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River Valley Bank, Income and Expense

2003-03-31 (YTD Data)Rank
Total interest income$865,0006,220
Total interest expense$321,0005,729
Net interest income$544,0006,393
Provision for loan and lease losses$40,0004,103
Total noninterest income$167,0004,611
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$106,0003,394
Trading account gains and fees$0134
Additional Noninterest Income$61,0004,883
Total noninterest expense$444,0006,381
Salaries and employee benefits$246,0006,309
Premises and equipment expense$41,0007,269
Additional noninterest expense$157,0005,775
Pre-tax net operating income$227,0005,529
Securities gains (losses)$02,891
Applicable income taxes$86,0004,218
Income before extraordinary items$141,0006,158
Extraordinary gains, net$021
Net income$141,0006,157
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$13,0003,694
Cash dividends$60,0003,294
Sale, conversion, retirement of capital stock, net$0419
Net operating income$141,0005,977
2002-12-31 (YTD Data)Rank
Total interest income$3,619,0006,225
Total interest expense$1,427,0005,877
Net interest income$2,192,0006,337
Provision for loan and lease losses$257,0003,796
Total noninterest income$534,0005,034
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$322,0004,073
Trading account gains and fees$0153
Additional Noninterest Income$212,0004,900
Total noninterest expense$1,684,0006,487
Salaries and employee benefits$974,0006,242
Premises and equipment expense$172,0007,138
Additional noninterest expense$538,0006,294
Pre-tax net operating income$785,0005,820
Securities gains (losses)$04,537
Applicable income taxes$299,0004,454
Income before extraordinary items$486,0006,472
Extraordinary gains, net$070
Net income$486,0006,471
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$138,0003,648
Cash dividends$06,377
Sale, conversion, retirement of capital stock, net$0862
Net operating income$486,0006,316
2001-12-31 (YTD Data)Rank
Total interest income$3,640,0006,646
Total interest expense$1,919,0006,226
Net interest income$1,721,0006,949
Provision for loan and lease losses$195,0004,194
Total noninterest income$459,0005,300
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$342,0003,827
Trading account gains and fees$0177
Additional Noninterest Income$117,0006,058
Total noninterest expense$1,508,0006,777
Salaries and employee benefits$852,0006,567
Premises and equipment expense$163,0007,315
Additional noninterest expense$493,0006,486
Pre-tax net operating income$477,0006,646
Securities gains (losses)$04,612
Applicable income taxes$174,0005,245
Income before extraordinary items$303,0007,119
Extraordinary gains, net$0105
Net income$303,0007,120
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$114,0003,838
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$0922
Net operating income$303,0007,003
2000-12-31 (YTD Data)Rank
Total interest income$3,127,0007,287
Total interest expense$1,742,0006,714
Net interest income$1,385,0007,670
Provision for loan and lease losses$535,0001,778
Total noninterest income$389,0005,599
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$310,0003,964
Trading account gains and feesNANA
Additional Noninterest Income$79,0006,938
Total noninterest expense$1,340,0007,134
Salaries and employee benefits$776,0006,845
Premises and equipment expense$144,0007,690
Additional noninterest expense$420,0006,998
Pre-tax net operating income$-101,0009,248
Securities gains (losses)$01,956
Applicable income taxes$-22,0009,384
Income before extraordinary items$-79,0009,242
Extraordinary gains, net$038
Net income$-79,0009,241
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$632,0001,046
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$0969
Net operating income$-79,0009,236
1999-12-31 (YTD Data)Rank
Total interest income$2,415,0008,004
Total interest expense$1,128,0007,835
Net interest income$1,287,0008,014
Provision for loan and lease losses$140,0004,418
Total noninterest income$300,0006,434
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$198,0005,141
Trading account gains and feesNANA
Additional Noninterest Income$102,0006,585
Total noninterest expense$1,197,0007,577
Salaries and employee benefits$684,0007,328
Premises and equipment expense$139,0007,861
Additional noninterest expense$374,0007,500
Pre-tax net operating income$250,0008,339
Securities gains (losses)$03,155
Applicable income taxes$16,0008,309
Income before extraordinary items$234,0008,046
Extraordinary gains, net$035
Net income$234,0008,045
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$13,0006,573
Cash dividends$6,0007,071
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$234,0008,022
1998-12-31 (YTD Data)Rank
Total interest income$1,618,0009,140
Total interest expense$752,0009,066
Net interest income$866,0009,097
Provision for loan and lease losses$287,0002,727
Total noninterest income$252,0006,984
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$156,0005,821
Trading account gains and feesNANA
Additional Noninterest Income$96,0006,726
Total noninterest expense$965,0008,230
Salaries and employee benefits$546,0008,075
Premises and equipment expense$118,0008,318
Additional noninterest expense$301,0008,115
Pre-tax net operating income$-134,0009,942
Securities gains (losses)$04,449
Applicable income taxes$-64,00010,163
Income before extraordinary items$-70,0009,929
Extraordinary gains, net$032
Net income$-70,0009,927
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,0007,842
Cash dividends$10,0007,368
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$-70,0009,890
1997-12-31 (YTD Data)Rank
Total interest income$357,00010,770
Total interest expense$151,00010,728
Net interest income$206,00010,775
Provision for loan and lease losses$54,0006,513
Total noninterest income$30,00010,575
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$25,0009,014
Trading account gains and feesNANA
Additional Noninterest Income$5,00010,669
Total noninterest expense$608,0009,718
Salaries and employee benefits$317,0009,830
Premises and equipment expense$54,00010,109
Additional noninterest expense$237,0008,997
Pre-tax net operating income$-426,00010,712
Securities gains (losses)$03,944
Applicable income taxes$-85,00010,689
Income before extraordinary items$-341,00010,696
Extraordinary gains, net$044
Net income$-341,00010,696
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,513
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$3,317,000289
Net operating income$-341,00010,676

* 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.