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Riverside National Bank, Income and Expense

1996-12-31 (YTD Data)Rank
Total interest income$17,402,0001,942
Total interest expense$5,292,0002,862
Net interest income$12,110,0001,476
Provision for loan and lease losses$75,0005,702
Total noninterest income$2,240,0001,675
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$1,513,000877
Trading account gains and fees$0262
Additional Noninterest Income$727,0002,234
Total noninterest expense$9,706,0001,473
Salaries and employee benefits$5,225,0001,285
Premises and equipment expense$1,556,0001,315
Additional noninterest expense$2,925,0001,778
Pre-tax net operating income$4,569,0001,591
Securities gains (losses)$04,148
Applicable income taxes$1,690,0001,432
Income before extraordinary items$2,879,0001,725
Extraordinary gains, net$053
Net income$2,879,0001,726
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$285,0002,155
Cash dividends$1,232,0001,829
Sale, conversion, retirement of capital stock, net$752,000416
Net operating income$2,879,0001,693
1995-12-31 (YTD Data)Rank
Total interest income$16,420,0002,046
Total interest expense$4,988,0003,031
Net interest income$11,432,0001,564
Provision for loan and lease losses$180,0003,223
Total noninterest income$2,885,0001,391
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$1,616,000811
Trading account gains and fees$0522
Additional Noninterest Income$1,269,0001,538
Total noninterest expense$10,074,0001,403
Salaries and employee benefits$5,024,0001,317
Premises and equipment expense$1,671,0001,243
Additional noninterest expense$3,379,0001,531
Pre-tax net operating income$4,063,0001,823
Securities gains (losses)$-15,00010,368
Applicable income taxes$1,420,0001,726
Income before extraordinary items$2,628,0001,905
Extraordinary gains, net$065
Net income$2,628,0001,902
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$246,0002,202
Cash dividends$771,0002,495
Sale, conversion, retirement of capital stock, net$107,000554
Net operating income$2,637,7501,883
1994-12-31 (YTD Data)Rank
Total interest income$13,866,0002,211
Total interest expense$3,763,0003,249
Net interest income$10,103,0001,785
Provision for loan and lease losses$270,0002,445
Total noninterest income$3,186,0001,308
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$1,562,000833
Trading account gains and fees$0475
Additional Noninterest Income$1,624,0001,303
Total noninterest expense$10,951,0001,341
Salaries and employee benefits$5,512,0001,219
Premises and equipment expense$1,842,0001,146
Additional noninterest expense$3,597,0001,545
Pre-tax net operating income$2,068,0003,329
Securities gains (losses)$03,600
Applicable income taxes$715,0003,043
Income before extraordinary items$1,353,0003,467
Extraordinary gains, net$0249
Net income$1,353,0003,474
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$544,0001,304
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,353,0003,498
1993-12-31 (YTD Data)Rank
Total interest income$13,249,0002,335
Total interest expense$3,723,0003,382
Net interest income$9,526,0001,894
Provision for loan and lease losses$1,257,0001,123
Total noninterest income$3,260,0001,366
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$1,596,000816
Trading account gains and fees$0532
Additional Noninterest Income$1,664,0001,431
Total noninterest expense$15,948,000997
Salaries and employee benefits$5,995,0001,127
Premises and equipment expense$2,067,0001,053
Additional noninterest expense$7,886,000906
Pre-tax net operating income$-4,419,00013,166
Securities gains (losses)$19,0004,737
Applicable income taxes$-1,701,00013,211
Income before extraordinary items$-2,699,00013,118
Extraordinary gains, net$03,149
Net income$-2,699,00013,120
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,684,000802
Cash dividends$527,0002,944
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$-2,711,16013,100
1992-12-31 (YTD Data)Rank
Total interest income$16,893,0002,097
Total interest expense$5,669,0002,940
Net interest income$11,224,0001,642
Provision for loan and lease losses$2,030,0001,136
Total noninterest income$3,337,0001,310
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$1,082,0001,229
Trading account gains and fees$0504
Additional Noninterest Income$2,255,0001,149
Total noninterest expense$11,902,0001,333
Salaries and employee benefits$5,847,0001,145
Premises and equipment expense$1,847,0001,188
Additional noninterest expense$4,208,0001,541
Pre-tax net operating income$629,0007,522
Securities gains (losses)$1,688,000455
Applicable income taxes$872,0002,388
Income before extraordinary items$1,445,0003,192
Extraordinary gains, net$01,422
Net income$1,445,0003,224
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$803,0001,816
Cash dividends$536,0002,635
Sale, conversion, retirement of capital stock, net$-311,00013,853
Net operating income$364,6808,205

* 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.