Home > Rio Blanco State Bank > Income and Expense

Rio Blanco State Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$1,040,000	10,760
Total interest expense	$434,000	10,790
Net interest income	$606,000	10,642
Provision for loan and lease losses	$12,000	8,364
Total noninterest income	$158,000	8,897
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$123,000	7,008
Trading account gains and fees	NA	NA
Additional Noninterest Income	$35,000	9,600
Total noninterest expense	$578,000	10,263
Salaries and employee benefits	$268,000	10,596
Premises and equipment expense	$100,000	9,292
Additional noninterest expense	$210,000	9,825
Pre-tax net operating income	$174,000	9,937
Securities gains (losses)	$0	4,148
Applicable income taxes	$55,000	9,603
Income before extraordinary items	$119,000	10,054
Extraordinary gains, net	$0	53
Net income	$119,000	10,052
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$17,000	6,952
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$119,000	9,999
1995-12-31 (YTD Data)		Rank
Total interest income	$948,000	11,365
Total interest expense	$360,000	11,449
Net interest income	$588,000	11,159
Provision for loan and lease losses	$0	8,958
Total noninterest income	$171,000	8,944
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$128,000	7,139
Trading account gains and fees	NA	NA
Additional Noninterest Income	$43,000	9,575
Total noninterest expense	$590,000	10,611
Salaries and employee benefits	$274,000	10,966
Premises and equipment expense	$96,000	9,727
Additional noninterest expense	$220,000	10,189
Pre-tax net operating income	$169,000	10,657
Securities gains (losses)	$0	3,831
Applicable income taxes	$0	11,151
Income before extraordinary items	$169,000	10,279
Extraordinary gains, net	$0	65
Net income	$169,000	10,281
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$26,000	6,236
Cash dividends	$20,000	8,373
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$169,000	10,249
1994-12-31 (YTD Data)		Rank
Total interest income	$740,000	12,145
Total interest expense	$264,000	12,162
Net interest income	$476,000	12,076
Provision for loan and lease losses	$15,000	8,073
Total noninterest income	$166,000	9,388
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$126,000	7,458
Trading account gains and fees	NA	NA
Additional Noninterest Income	$40,000	10,157
Total noninterest expense	$545,000	11,375
Salaries and employee benefits	$261,000	11,565
Premises and equipment expense	$101,000	9,993
Additional noninterest expense	$183,000	11,359
Pre-tax net operating income	$82,000	11,743
Securities gains (losses)	$0	3,600
Applicable income taxes	$0	11,630
Income before extraordinary items	$82,000	11,547
Extraordinary gains, net	$0	249
Net income	$82,000	11,555
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	7,569
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$82,000	11,596
1993-12-31 (YTD Data)		Rank
Total interest income	$733,000	12,760
Total interest expense	$264,000	12,799
Net interest income	$469,000	12,639
Provision for loan and lease losses	$70,000	6,634
Total noninterest income	$137,000	10,480
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$111,000	8,082
Trading account gains and fees	NA	NA
Additional Noninterest Income	$26,000	11,580
Total noninterest expense	$573,000	11,784
Salaries and employee benefits	$258,000	12,095
Premises and equipment expense	$106,000	10,264
Additional noninterest expense	$209,000	11,604
Pre-tax net operating income	$-37,000	12,516
Securities gains (losses)	$0	7,477
Applicable income taxes	$0	12,141
Income before extraordinary items	$-37,000	12,598
Extraordinary gains, net	$0	3,149
Net income	$-37,000	12,626
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$58,000	5,762
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$-37,000	12,485
1992-12-31 (YTD Data)		Rank
Total interest income	$836,000	13,295
Total interest expense	$350,000	13,356
Net interest income	$486,000	13,122
Provision for loan and lease losses	$90,000	7,540
Total noninterest income	$165,000	10,157
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$114,000	8,107
Trading account gains and fees	NA	NA
Additional Noninterest Income	$51,000	10,352
Total noninterest expense	$620,000	11,938
Salaries and employee benefits	$268,000	12,386
Premises and equipment expense	$119,000	10,050
Additional noninterest expense	$233,000	11,783
Pre-tax net operating income	$-59,000	12,874
Securities gains (losses)	$0	8,369
Applicable income taxes	$0	12,680
Income before extraordinary items	$-59,000	13,008
Extraordinary gains, net	$0	1,422
Net income	$-59,000	13,000
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$103,000	5,843
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$-59,000	12,834

* 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.