Home > River Valley Bank, FSB > Income and Expense
River Valley Bank, FSB, Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $20,373,000 | 1,663 |
| Total interest expense | $9,503,000 | 1,679 |
| Net interest income | $10,870,000 | 1,643 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $1,654,000 | 2,134 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,654,000 | 1,297 |
| Total noninterest expense | $5,560,000 | 2,445 |
| Salaries and employee benefits | $2,294,000 | 2,901 |
| Premises and equipment expense | $1,114,000 | 1,811 |
| Additional noninterest expense | $2,152,000 | 2,265 |
| Pre-tax net operating income | $6,964,000 | 1,116 |
| Securities gains (losses) | $-2,995,000 | 11,921 |
| Applicable income taxes | $1,371,000 | 1,779 |
| Income before extraordinary items | $2,598,000 | 1,931 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,598,000 | 1,928 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-60,000 | 11,542 |
| Cash dividends | $6,500,000 | 519 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $4,544,750 | 1,140 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $21,460,000 | 1,441 |
| Total interest expense | $9,082,000 | 1,431 |
| Net interest income | $12,378,000 | 1,460 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $2,794,000 | 1,441 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $2,794,000 | 919 |
| Total noninterest expense | $5,612,000 | 2,494 |
| Salaries and employee benefits | $2,290,000 | 2,886 |
| Premises and equipment expense | $1,036,000 | 1,959 |
| Additional noninterest expense | $2,286,000 | 2,302 |
| Pre-tax net operating income | $9,560,000 | 826 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $2,597,000 | 985 |
| Income before extraordinary items | $6,963,000 | 766 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $6,963,000 | 766 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 4,022 |
| Cash dividends | $3,750,000 | 688 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $6,963,000 | 774 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $21,923,000 | 1,443 |
| Total interest expense | $6,836,000 | 1,899 |
| Net interest income | $15,087,000 | 1,206 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $1,576,000 | 2,351 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,576,000 | 1,493 |
| Total noninterest expense | $6,126,000 | 2,345 |
| Salaries and employee benefits | $2,096,000 | 3,129 |
| Premises and equipment expense | $1,048,000 | 1,968 |
| Additional noninterest expense | $2,982,000 | 1,921 |
| Pre-tax net operating income | $10,537,000 | 691 |
| Securities gains (losses) | $475,000 | 929 |
| Applicable income taxes | $3,679,000 | 703 |
| Income before extraordinary items | $7,333,000 | 710 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $7,333,000 | 734 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-361,000 | 13,199 |
| Cash dividends | $5,000,000 | 473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $7,014,750 | 690 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,831,000 | 4,361 |
| Total interest expense | $2,507,000 | 5,981 |
| Net interest income | $5,324,000 | 3,428 |
| Provision for loan and lease losses | $79,000 | 7,959 |
| Total noninterest income | $503,000 | 5,615 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $503,000 | 3,168 |
| Total noninterest expense | $2,162,000 | 6,007 |
| Salaries and employee benefits | $1,017,000 | 5,938 |
| Premises and equipment expense | $371,000 | 5,106 |
| Additional noninterest expense | $774,000 | 6,252 |
| Pre-tax net operating income | $3,586,000 | 1,720 |
| Securities gains (losses) | $9,000 | 6,537 |
| Applicable income taxes | $1,411,000 | 1,523 |
| Income before extraordinary items | $2,184,000 | 2,106 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,184,000 | 2,133 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,060,000 | 721 |
| Cash dividends | $1,500,000 | 1,080 |
| Sale, conversion, retirement of capital stock, net | $-40,382,000 | 13,927 |
| Net operating income | $2,178,240 | 1,932 |
* 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.