Home > Richmond Savings Bank, SSB > Income and Expense
Richmond Savings Bank, SSB, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,742,000 | 3,615 |
| Total interest expense | $4,425,000 | 3,285 |
| Net interest income | $4,317,000 | 3,915 |
| Provision for loan and lease losses | $102,000 | 5,170 |
| Total noninterest income | $629,000 | 4,293 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $281,000 | 4,171 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $348,000 | 3,703 |
| Total noninterest expense | $3,256,000 | 3,929 |
| Salaries and employee benefits | $1,617,000 | 4,087 |
| Premises and equipment expense | $402,000 | 4,517 |
| Additional noninterest expense | $1,237,000 | 3,336 |
| Pre-tax net operating income | $1,588,000 | 3,944 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $557,000 | 3,392 |
| Income before extraordinary items | $1,031,000 | 4,336 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,031,000 | 4,338 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 5,020 |
| Cash dividends | $860,000 | 2,544 |
| Sale, conversion, retirement of capital stock, net | $183,000 | 731 |
| Net operating income | $1,031,000 | 4,302 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,408,000 | 3,756 |
| Total interest expense | $4,271,000 | 3,477 |
| Net interest income | $4,137,000 | 4,016 |
| Provision for loan and lease losses | $109,000 | 4,942 |
| Total noninterest income | $599,000 | 4,393 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $252,000 | 4,461 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $347,000 | 3,722 |
| Total noninterest expense | $3,479,000 | 3,634 |
| Salaries and employee benefits | $1,794,000 | 3,679 |
| Premises and equipment expense | $340,000 | 4,977 |
| Additional noninterest expense | $1,345,000 | 3,046 |
| Pre-tax net operating income | $1,148,000 | 5,021 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $402,000 | 4,401 |
| Income before extraordinary items | $746,000 | 5,410 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $746,000 | 5,409 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,719 |
| Cash dividends | $3,330,000 | 906 |
| Sale, conversion, retirement of capital stock, net | $631,000 | 531 |
| Net operating income | $746,000 | 5,305 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,815,000 | 4,053 |
| Total interest expense | $4,016,000 | 3,662 |
| Net interest income | $3,799,000 | 4,423 |
| Provision for loan and lease losses | $78,000 | 5,710 |
| Total noninterest income | $512,000 | 4,940 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $222,000 | 5,021 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $290,000 | 4,011 |
| Total noninterest expense | $2,662,000 | 4,537 |
| Salaries and employee benefits | $1,292,000 | 4,804 |
| Premises and equipment expense | $338,000 | 5,033 |
| Additional noninterest expense | $1,032,000 | 3,788 |
| Pre-tax net operating income | $1,571,000 | 4,310 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $552,000 | 3,927 |
| Income before extraordinary items | $1,019,000 | 4,640 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,019,000 | 4,639 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 4,544 |
| Cash dividends | $200,000 | 5,346 |
| Sale, conversion, retirement of capital stock, net | $36,000 | 872 |
| Net operating income | $1,019,000 | 4,574 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,181,000 | 4,470 |
| Total interest expense | $4,030,000 | 3,686 |
| Net interest income | $3,151,000 | 5,253 |
| Provision for loan and lease losses | $51,000 | 6,537 |
| Total noninterest income | $447,000 | 5,570 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $213,000 | 5,342 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $234,000 | 4,730 |
| Total noninterest expense | $3,034,000 | 4,273 |
| Salaries and employee benefits | $1,134,000 | 5,466 |
| Premises and equipment expense | $308,000 | 5,488 |
| Additional noninterest expense | $1,592,000 | 2,982 |
| Pre-tax net operating income | $513,000 | 7,865 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $186,000 | 7,351 |
| Income before extraordinary items | $327,000 | 8,193 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $327,000 | 8,192 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 6,197 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $7,750,000 | 79 |
| Net operating income | $327,000 | 8,130 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,787,000 | 4,689 |
| Total interest expense | $3,746,000 | 3,905 |
| Net interest income | $3,041,000 | 5,439 |
| Provision for loan and lease losses | $36,000 | 6,768 |
| Total noninterest income | $355,000 | 6,416 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $179,000 | 6,085 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $176,000 | 5,514 |
| Total noninterest expense | $2,475,000 | 5,041 |
| Salaries and employee benefits | $1,019,000 | 5,964 |
| Premises and equipment expense | $302,000 | 5,593 |
| Additional noninterest expense | $1,154,000 | 3,877 |
| Pre-tax net operating income | $885,000 | 6,490 |
| Securities gains (losses) | $-8,000 | 9,956 |
| Applicable income taxes | $269,000 | 6,377 |
| Income before extraordinary items | $608,000 | 6,567 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $608,000 | 6,565 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 10,558 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $613,520 | 6,528 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,189,000 | 4,727 |
| Total interest expense | $2,922,000 | 4,058 |
| Net interest income | $3,267,000 | 5,241 |
| Provision for loan and lease losses | $36,000 | 6,762 |
| Total noninterest income | $334,000 | 6,858 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $165,000 | 6,552 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $169,000 | 5,830 |
| Total noninterest expense | $2,327,000 | 5,496 |
| Salaries and employee benefits | $1,032,000 | 5,941 |
| Premises and equipment expense | $304,000 | 5,659 |
| Additional noninterest expense | $991,000 | 4,741 |
| Pre-tax net operating income | $1,238,000 | 5,121 |
| Securities gains (losses) | $-2,000 | 9,023 |
| Applicable income taxes | $430,000 | 4,520 |
| Income before extraordinary items | $806,000 | 5,334 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $806,000 | 5,347 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 6,205 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $807,300 | 5,382 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,512,000 | 4,610 |
| Total interest expense | $3,158,000 | 3,948 |
| Net interest income | $3,354,000 | 5,153 |
| Provision for loan and lease losses | $36,000 | 8,112 |
| Total noninterest income | $508,000 | 5,538 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $164,000 | 6,750 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $344,000 | 4,149 |
| Total noninterest expense | $2,327,000 | 5,602 |
| Salaries and employee benefits | $1,000,000 | 6,136 |
| Premises and equipment expense | $263,000 | 6,446 |
| Additional noninterest expense | $1,064,000 | 4,670 |
| Pre-tax net operating income | $1,499,000 | 4,326 |
| Securities gains (losses) | $1,000 | 7,052 |
| Applicable income taxes | $544,000 | 3,887 |
| Income before extraordinary items | $956,000 | 4,853 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $956,000 | 4,998 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 9,554 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $955,360 | 4,628 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,119,000 | 4,768 |
| Total interest expense | $3,874,000 | 4,187 |
| Net interest income | $3,245,000 | 5,346 |
| Provision for loan and lease losses | $42,000 | 9,403 |
| Total noninterest income | $367,000 | 6,877 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $172,000 | 6,565 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $195,000 | 5,753 |
| Total noninterest expense | $2,113,000 | 6,119 |
| Salaries and employee benefits | $919,000 | 6,511 |
| Premises and equipment expense | $235,000 | 7,071 |
| Additional noninterest expense | $959,000 | 5,228 |
| Pre-tax net operating income | $1,457,000 | 4,150 |
| Securities gains (losses) | $3,000 | 7,429 |
| Applicable income taxes | $493,000 | 4,049 |
| Income before extraordinary items | $967,000 | 4,641 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $967,000 | 4,690 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 10,379 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $965,020 | 4,331 |
* 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.