Home > Richmond County Savings Bank > Income and Expense
Richmond County Savings Bank, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $210,039,000 | 239 |
| Total interest expense | $112,326,000 | 238 |
| Net interest income | $97,713,000 | 234 |
| Provision for loan and lease losses | $1,200,000 | 908 |
| Total noninterest income | $13,351,000 | 483 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $4,041,000 | 350 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $9,310,000 | 440 |
| Total noninterest expense | $51,321,000 | 341 |
| Salaries and employee benefits | $25,819,000 | 296 |
| Premises and equipment expense | $6,574,000 | 351 |
| Additional noninterest expense | $18,928,000 | 359 |
| Pre-tax net operating income | $58,543,000 | 204 |
| Securities gains (losses) | $-6,834,000 | 9,852 |
| Applicable income taxes | $18,284,000 | 227 |
| Income before extraordinary items | $33,425,000 | 232 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $33,425,000 | 232 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $386,000 | 1,517 |
| Cash dividends | $76,165,000 | 108 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $37,867,100 | 212 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $170,323,000 | 262 |
| Total interest expense | $86,199,000 | 254 |
| Net interest income | $84,124,000 | 267 |
| Provision for loan and lease losses | $1,800,000 | 614 |
| Total noninterest income | $12,222,000 | 552 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $3,184,000 | 434 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $9,038,000 | 474 |
| Total noninterest expense | $42,285,000 | 412 |
| Salaries and employee benefits | $22,933,000 | 341 |
| Premises and equipment expense | $5,383,000 | 433 |
| Additional noninterest expense | $13,969,000 | 469 |
| Pre-tax net operating income | $52,261,000 | 240 |
| Securities gains (losses) | $1,461,000 | 167 |
| Applicable income taxes | $19,636,000 | 233 |
| Income before extraordinary items | $34,086,000 | 249 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $34,086,000 | 251 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $246,000 | 2,102 |
| Cash dividends | $44,650,000 | 154 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $33,150,960 | 246 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $103,405,000 | 388 |
| Total interest expense | $50,442,000 | 389 |
| Net interest income | $52,963,000 | 387 |
| Provision for loan and lease losses | $2,650,000 | 479 |
| Total noninterest income | $4,186,000 | 1,057 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,866,000 | 658 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $2,320,000 | 1,060 |
| Total noninterest expense | $28,356,000 | 550 |
| Salaries and employee benefits | $16,064,000 | 451 |
| Premises and equipment expense | $3,314,000 | 646 |
| Additional noninterest expense | $8,978,000 | 632 |
| Pre-tax net operating income | $26,143,000 | 356 |
| Securities gains (losses) | $1,549,000 | 278 |
| Applicable income taxes | $11,445,000 | 319 |
| Income before extraordinary items | $16,247,000 | 387 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $16,247,000 | 387 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $302,000 | 1,843 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $84,664,000 | 8 |
| Net operating income | $15,255,640 | 390 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $70,722,000 | 531 |
| Total interest expense | $30,129,000 | 579 |
| Net interest income | $40,593,000 | 478 |
| Provision for loan and lease losses | $1,980,000 | 597 |
| Total noninterest income | $3,175,000 | 1,242 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,548,000 | 825 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,627,000 | 1,267 |
| Total noninterest expense | $20,438,000 | 725 |
| Salaries and employee benefits | $10,221,000 | 674 |
| Premises and equipment expense | $2,943,000 | 706 |
| Additional noninterest expense | $7,274,000 | 737 |
| Pre-tax net operating income | $21,350,000 | 433 |
| Securities gains (losses) | $10,000 | 2,359 |
| Applicable income taxes | $10,049,000 | 355 |
| Income before extraordinary items | $11,311,000 | 532 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $11,311,000 | 532 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $494,000 | 1,351 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $11,304,600 | 512 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $62,088,000 | 622 |
| Total interest expense | $26,740,000 | 669 |
| Net interest income | $35,348,000 | 576 |
| Provision for loan and lease losses | $1,300,000 | 827 |
| Total noninterest income | $2,645,000 | 1,486 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $1,343,000 | 989 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,302,000 | 1,509 |
| Total noninterest expense | $18,666,000 | 838 |
| Salaries and employee benefits | $9,885,000 | 711 |
| Premises and equipment expense | $2,800,000 | 778 |
| Additional noninterest expense | $5,981,000 | 990 |
| Pre-tax net operating income | $18,027,000 | 491 |
| Securities gains (losses) | $-104,000 | 11,218 |
| Applicable income taxes | $7,942,000 | 419 |
| Income before extraordinary items | $9,981,000 | 582 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $9,981,000 | 583 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $345,000 | 1,876 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $10,047,560 | 562 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $56,868,000 | 687 |
| Total interest expense | $24,878,000 | 736 |
| Net interest income | $31,990,000 | 643 |
| Provision for loan and lease losses | $600,000 | 1,345 |
| Total noninterest income | $2,512,000 | 1,540 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $1,140,000 | 1,169 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,372,000 | 1,436 |
| Total noninterest expense | $18,932,000 | 818 |
| Salaries and employee benefits | $8,941,000 | 787 |
| Premises and equipment expense | $2,559,000 | 863 |
| Additional noninterest expense | $7,432,000 | 834 |
| Pre-tax net operating income | $14,970,000 | 596 |
| Securities gains (losses) | $1,000 | 3,512 |
| Applicable income taxes | $7,502,000 | 450 |
| Income before extraordinary items | $7,469,000 | 773 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $7,469,000 | 773 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $339,000 | 1,782 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $7,468,360 | 763 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $52,683,000 | 672 |
| Total interest expense | $20,739,000 | 696 |
| Net interest income | $31,944,000 | 637 |
| Provision for loan and lease losses | $600,000 | 1,325 |
| Total noninterest income | $2,370,000 | 1,623 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $945,000 | 1,425 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,425,000 | 1,437 |
| Total noninterest expense | $17,075,000 | 910 |
| Salaries and employee benefits | $8,420,000 | 816 |
| Premises and equipment expense | $2,381,000 | 901 |
| Additional noninterest expense | $6,274,000 | 982 |
| Pre-tax net operating income | $16,639,000 | 527 |
| Securities gains (losses) | $28,000 | 1,509 |
| Applicable income taxes | $7,342,000 | 426 |
| Income before extraordinary items | $9,325,000 | 603 |
| Extraordinary gains, net | $-39,000 | 12,517 |
| Net income | $9,286,000 | 605 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $348,000 | 1,730 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $9,307,080 | 605 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $52,188,000 | 667 |
| Total interest expense | $20,521,000 | 699 |
| Net interest income | $31,667,000 | 635 |
| Provision for loan and lease losses | $1,438,000 | 1,033 |
| Total noninterest income | $2,583,000 | 1,634 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $1,197,000 | 1,117 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,386,000 | 1,644 |
| Total noninterest expense | $16,904,000 | 956 |
| Salaries and employee benefits | $8,185,000 | 846 |
| Premises and equipment expense | $2,441,000 | 910 |
| Additional noninterest expense | $6,278,000 | 1,054 |
| Pre-tax net operating income | $15,908,000 | 496 |
| Securities gains (losses) | $599,000 | 794 |
| Applicable income taxes | $7,495,000 | 392 |
| Income before extraordinary items | $9,012,000 | 589 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $9,012,000 | 607 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,409,000 | 902 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $8,628,640 | 564 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $51,958,000 | 757 |
| Total interest expense | $24,674,000 | 761 |
| Net interest income | $27,284,000 | 731 |
| Provision for loan and lease losses | $2,191,000 | 1,082 |
| Total noninterest income | $2,238,000 | 1,800 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $1,253,000 | 1,038 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $985,000 | 2,028 |
| Total noninterest expense | $15,788,000 | 1,028 |
| Salaries and employee benefits | $7,226,000 | 947 |
| Premises and equipment expense | $2,467,000 | 942 |
| Additional noninterest expense | $6,095,000 | 1,124 |
| Pre-tax net operating income | $11,543,000 | 557 |
| Securities gains (losses) | $169,000 | 2,257 |
| Applicable income taxes | $5,678,000 | 435 |
| Income before extraordinary items | $6,034,000 | 795 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $6,034,000 | 794 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,339,000 | 1,292 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $5,925,840 | 728 |
* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.