Home > River City Bank > Income and Expense

River City Bank, Income and Expense

2008-09-30 (YTD Data)		Rank
Total interest income	$6,733,000	3,868
Total interest expense	$3,789,000	3,044
Net interest income	$2,944,000	4,672
Provision for loan and lease losses	$1,425,000	1,473
Total noninterest income	$254,000	5,700
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$54,000	6,347
Trading account gains and fees	$0	148
Additional Noninterest Income	$200,000	4,415
Total noninterest expense	$2,874,000	4,360
Salaries and employee benefits	$1,351,000	4,801
Premises and equipment expense	$415,000	4,188
Additional noninterest expense	$1,108,000	3,589
Pre-tax net operating income	$-1,101,000	7,582
Securities gains (losses)	$45,000	1,495
Applicable income taxes	$0	5,372
Income before extraordinary items	$-1,056,000	7,535
Extraordinary gains, net	$0	31
Net income	$-1,056,000	7,533
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	7,512
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$-1,101,000	7,668
2008-06-30 (YTD Data)		Rank
Total interest income	$4,444,000	3,945
Total interest expense	$2,492,000	3,197
Net interest income	$1,952,000	4,696
Provision for loan and lease losses	$135,000	3,809
Total noninterest income	$189,000	5,546
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$35,000	6,396
Trading account gains and fees	$0	149
Additional Noninterest Income	$154,000	4,270
Total noninterest expense	$1,902,000	4,403
Salaries and employee benefits	$907,000	4,817
Premises and equipment expense	$278,000	4,195
Additional noninterest expense	$717,000	3,655
Pre-tax net operating income	$104,000	6,371
Securities gains (losses)	$17,000	2,146
Applicable income taxes	$0	5,627
Income before extraordinary items	$121,000	6,200
Extraordinary gains, net	$0	21
Net income	$121,000	6,200
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	7,297
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$104,000	6,248
2008-03-31 (YTD Data)		Rank
Total interest income	$2,241,000	4,017
Total interest expense	$1,280,000	3,293
Net interest income	$961,000	4,753
Provision for loan and lease losses	$75,000	3,123
Total noninterest income	$88,000	5,689
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$13,000	6,679
Trading account gains and fees	$0	158
Additional Noninterest Income	$75,000	4,329
Total noninterest expense	$927,000	4,476
Salaries and employee benefits	$456,000	4,846
Premises and equipment expense	$140,000	4,199
Additional noninterest expense	$331,000	3,824
Pre-tax net operating income	$47,000	6,652
Securities gains (losses)	$0	2,688
Applicable income taxes	$0	5,622
Income before extraordinary items	$47,000	6,627
Extraordinary gains, net	$0	15
Net income	$47,000	6,628
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,009
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$47,000	6,530
2007-12-31 (YTD Data)		Rank
Total interest income	$7,828,000	4,426
Total interest expense	$4,178,000	3,911
Net interest income	$3,650,000	4,890
Provision for loan and lease losses	$565,000	2,148
Total noninterest income	$358,000	5,716
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$39,000	6,915
Trading account gains and fees	$0	178
Additional Noninterest Income	$319,000	4,126
Total noninterest expense	$3,885,000	4,213
Salaries and employee benefits	$1,795,000	4,758
Premises and equipment expense	$581,000	3,936
Additional noninterest expense	$1,509,000	3,401
Pre-tax net operating income	$-442,000	7,780
Securities gains (losses)	$4,000	1,644
Applicable income taxes	$0	6,070
Income before extraordinary items	$-438,000	7,849
Extraordinary gains, net	$0	39
Net income	$-438,000	7,848
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$193,000	2,912
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$11,000	1,223
Net operating income	$-442,000	7,840
2007-09-30 (YTD Data)		Rank
Total interest income	$5,664,000	4,544
Total interest expense	$2,991,000	4,036
Net interest income	$2,673,000	5,005
Provision for loan and lease losses	$435,000	1,757
Total noninterest income	$272,000	5,729
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$27,000	6,980
Trading account gains and fees	$0	184
Additional Noninterest Income	$245,000	4,127
Total noninterest expense	$2,799,000	4,304
Salaries and employee benefits	$1,332,000	4,759
Premises and equipment expense	$435,000	3,922
Additional noninterest expense	$1,032,000	3,607
Pre-tax net operating income	$-289,000	7,956
Securities gains (losses)	$2,000	1,394
Applicable income taxes	$0	6,220
Income before extraordinary items	$-287,000	7,996
Extraordinary gains, net	$0	33
Net income	$-287,000	7,992
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$193,000	2,017
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$11,000	1,061
Net operating income	$-289,000	7,980
2007-06-30 (YTD Data)		Rank
Total interest income	$3,592,000	4,688
Total interest expense	$1,891,000	4,163
Net interest income	$1,701,000	5,164
Provision for loan and lease losses	$290,000	1,607
Total noninterest income	$181,000	5,775
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$18,000	7,024
Trading account gains and fees	$0	168
Additional Noninterest Income	$163,000	4,172
Total noninterest expense	$1,818,000	4,413
Salaries and employee benefits	$872,000	4,860
Premises and equipment expense	$304,000	3,821
Additional noninterest expense	$642,000	3,806
Pre-tax net operating income	$-226,000	8,103
Securities gains (losses)	$0	1,444
Applicable income taxes	$0	6,265
Income before extraordinary items	$-226,000	8,143
Extraordinary gains, net	$0	29
Net income	$-226,000	8,142
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,517
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$11,000	960
Net operating income	$-226,000	8,132
2007-03-31 (YTD Data)		Rank
Total interest income	$1,628,000	4,977
Total interest expense	$825,000	4,491
Net interest income	$803,000	5,375
Provision for loan and lease losses	$120,000	1,752
Total noninterest income	$87,000	5,815
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$9,000	7,042
Trading account gains and fees	$0	195
Additional Noninterest Income	$78,000	4,266
Total noninterest expense	$861,000	4,576
Salaries and employee benefits	$406,000	5,115
Premises and equipment expense	$156,000	3,772
Additional noninterest expense	$299,000	3,982
Pre-tax net operating income	$-91,000	8,135
Securities gains (losses)	$0	1,187
Applicable income taxes	$0	6,196
Income before extraordinary items	$-91,000	8,165
Extraordinary gains, net	$0	22
Net income	$-91,000	8,164
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,509
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$11,000	756
Net operating income	$-91,000	8,154
2006-12-31 (YTD Data)		Rank
Total interest income	$5,193,000	5,448
Total interest expense	$2,214,000	5,138
Net interest income	$2,979,000	5,552
Provision for loan and lease losses	$210,000	3,430
Total noninterest income	$273,000	6,359
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$27,000	7,192
Trading account gains and fees	$0	130
Additional Noninterest Income	$246,000	4,687
Total noninterest expense	$3,326,000	4,550
Salaries and employee benefits	$1,453,000	5,312
Premises and equipment expense	$530,000	4,111
Additional noninterest expense	$1,343,000	3,605
Pre-tax net operating income	$-284,000	8,161
Securities gains (losses)	$-4,000	7,017
Applicable income taxes	$0	6,600
Income before extraordinary items	$-288,000	8,190
Extraordinary gains, net	$0	51
Net income	$-288,000	8,191
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,377
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$-284,000	8,188
2006-09-30 (YTD Data)		Rank
Total interest income	$3,605,000	5,667
Total interest expense	$1,487,000	5,363
Net interest income	$2,118,000	5,746
Provision for loan and lease losses	$140,000	3,511
Total noninterest income	$190,000	6,561
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$20,000	7,271
Trading account gains and fees	$0	126
Additional Noninterest Income	$170,000	4,884
Total noninterest expense	$2,343,000	4,737
Salaries and employee benefits	$1,072,000	5,335
Premises and equipment expense	$200,000	6,078
Additional noninterest expense	$1,071,000	3,424
Pre-tax net operating income	$-175,000	8,287
Securities gains (losses)	$0	1,388
Applicable income taxes	$0	6,687
Income before extraordinary items	$-175,000	8,304
Extraordinary gains, net	$0	45
Net income	$-175,000	8,305
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,858
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$-175,000	8,300
2006-06-30 (YTD Data)		Rank
Total interest income	$2,190,000	5,899
Total interest expense	$863,000	5,615
Net interest income	$1,327,000	5,952
Provision for loan and lease losses	$75,000	3,786
Total noninterest income	$120,000	6,678
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$12,000	7,358
Trading account gains and fees	$0	126
Additional Noninterest Income	$108,000	4,971
Total noninterest expense	$1,416,000	5,080
Salaries and employee benefits	$617,000	5,814
Premises and equipment expense	$120,000	6,349
Additional noninterest expense	$679,000	3,574
Pre-tax net operating income	$-44,000	8,268
Securities gains (losses)	$0	1,185
Applicable income taxes	$0	6,706
Income before extraordinary items	$-44,000	8,273
Extraordinary gains, net	$0	39
Net income	$-44,000	8,274
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,361
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$-44,000	8,269
2006-03-31 (YTD Data)		Rank
Total interest income	$1,011,000	6,073
Total interest expense	$394,000	5,745
Net interest income	$617,000	6,159
Provision for loan and lease losses	$55,000	2,999
Total noninterest income	$48,000	7,014
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$5,000	7,423
Trading account gains and fees	$0	115
Additional Noninterest Income	$43,000	5,402
Total noninterest expense	$670,000	5,266
Salaries and employee benefits	$297,000	5,962
Premises and equipment expense	$55,000	6,562
Additional noninterest expense	$318,000	3,725
Pre-tax net operating income	$-60,000	8,391
Securities gains (losses)	$0	955
Applicable income taxes	$0	6,588
Income before extraordinary items	$-60,000	8,408
Extraordinary gains, net	$0	21
Net income	$-60,000	8,407
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,399
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$-60,000	8,392
2005-12-31 (YTD Data)		Rank
Total interest income	$2,381,000	7,106
Total interest expense	$729,000	6,961
Net interest income	$1,652,000	7,093
Provision for loan and lease losses	$215,000	3,469
Total noninterest income	$126,000	7,698
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$14,000	7,544
Trading account gains and fees	$0	138
Additional Noninterest Income	$112,000	6,225
Total noninterest expense	$2,156,000	5,854
Salaries and employee benefits	$978,000	6,407
Premises and equipment expense	$388,000	4,947
Additional noninterest expense	$790,000	5,211
Pre-tax net operating income	$-593,000	8,527
Securities gains (losses)	$0	2,296
Applicable income taxes	$0	6,964
Income before extraordinary items	$-593,000	8,576
Extraordinary gains, net	$0	46
Net income	$-593,000	8,576
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,618
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$8,518,000	218
Net operating income	$-593,000	8,559
2005-09-30 (YTD Data)		Rank
Total interest income	$1,542,000	7,415
Total interest expense	$455,000	7,257
Net interest income	$1,087,000	7,404
Provision for loan and lease losses	$150,000	3,463
Total noninterest income	$80,000	7,908
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$10,000	7,610
Trading account gains and fees	$0	126
Additional Noninterest Income	$70,000	6,519
Total noninterest expense	$1,581,000	5,892
Salaries and employee benefits	$757,000	6,324
Premises and equipment expense	$239,000	5,570
Additional noninterest expense	$585,000	5,204
Pre-tax net operating income	$-564,000	8,618
Securities gains (losses)	$0	2,317
Applicable income taxes	$0	6,976
Income before extraordinary items	$-564,000	8,662
Extraordinary gains, net	$0	35
Net income	$-564,000	8,662
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,144
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$8,518,000	154
Net operating income	$-564,000	8,638
2005-06-30 (YTD Data)		Rank
Total interest income	$859,000	7,723
Total interest expense	$265,000	7,407
Net interest income	$594,000	7,761
Provision for loan and lease losses	$70,000	3,946
Total noninterest income	$34,000	8,314
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$5,000	7,657
Trading account gains and fees	$0	116
Additional Noninterest Income	$29,000	7,234
Total noninterest expense	$991,000	6,099
Salaries and employee benefits	$475,000	6,487
Premises and equipment expense	$78,000	7,200
Additional noninterest expense	$438,000	4,815
Pre-tax net operating income	$-433,000	8,653
Securities gains (losses)	$0	2,146
Applicable income taxes	$0	6,961
Income before extraordinary items	$-433,000	8,698
Extraordinary gains, net	$0	30
Net income	$-433,000	8,699
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,660
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$-433,000	8,670
2005-03-31 (YTD Data)		Rank
Total interest income	$378,000	7,949
Total interest expense	$113,000	7,670
Net interest income	$265,000	7,989
Provision for loan and lease losses	$30,000	3,913
Total noninterest income	$4,000	8,750
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$2,000	7,752
Trading account gains and fees	$0	115
Additional Noninterest Income	$2,000	8,574
Total noninterest expense	$474,000	6,291
Salaries and employee benefits	$219,000	6,759
Premises and equipment expense	$72,000	5,866
Additional noninterest expense	$183,000	5,373
Pre-tax net operating income	$-235,000	8,750
Securities gains (losses)	$0	1,685
Applicable income taxes	$0	6,892
Income before extraordinary items	$-235,000	8,774
Extraordinary gains, net	$0	24
Net income	$-235,000	8,774
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,728
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$-235,000	8,755
2004-12-31 (YTD Data)		Rank
Total interest income	$446,000	8,791
Total interest expense	$84,000	8,767
Net interest income	$362,000	8,764
Provision for loan and lease losses	$180,000	3,881
Total noninterest income	$5,000	8,872
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$2,000	7,861
Trading account gains and fees	$0	138
Additional Noninterest Income	$3,000	8,748
Total noninterest expense	$1,128,000	7,581
Salaries and employee benefits	$611,000	7,624
Premises and equipment expense	$171,000	7,088
Additional noninterest expense	$346,000	7,432
Pre-tax net operating income	$-941,000	8,794
Securities gains (losses)	$21,000	2,362
Applicable income taxes	$0	7,185
Income before extraordinary items	$-920,000	8,821
Extraordinary gains, net	$0	34
Net income	$-920,000	8,822
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,973
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$9,037,000	126
Net operating income	$-941,000	8,804
2004-09-30 (YTD Data)		Rank
Total interest income	$240,000	8,905
Total interest expense	$22,000	8,921
Net interest income	$218,000	8,876
Provision for loan and lease losses	$46,000	5,461
Total noninterest income	$1,000	8,971
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$0	7,933
Trading account gains and fees	$0	134
Additional Noninterest Income	$1,000	8,861
Total noninterest expense	$611,000	8,124
Salaries and employee benefits	$343,000	8,097
Premises and equipment expense	$85,000	7,791
Additional noninterest expense	$183,000	8,020
Pre-tax net operating income	$-438,000	8,753
Securities gains (losses)	$0	3,710
Applicable income taxes	$0	7,220
Income before extraordinary items	$-438,000	8,788
Extraordinary gains, net	$0	26
Net income	$-438,000	8,790
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,496
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$9,037,000	96
Net operating income	$-438,000	8,765

* 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.