Home > Rivoli Bank & Trust > Income and Expense

Rivoli Bank & Trust, Income and Expense

2005-12-31 (YTD Data)Rank
Total interest income$08,833
Total interest expense$08,817
Net interest income$08,830
Provision for loan and lease losses$07,120
Total noninterest income$08,769
Gross Fiduciary activities income$01,557
Service charges on deposit accounts$07,759
Trading account gains and fees$0138
Additional Noninterest Income$08,688
Total noninterest expense$08,833
Salaries and employee benefits$08,809
Premises and equipment expense$08,806
Additional noninterest expense$08,832
Pre-tax net operating income$08,246
Securities gains (losses)$02,296
Applicable income taxes$06,964
Income before extraordinary items$08,280
Extraordinary gains, net$046
Net income$08,281
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,618
Cash dividends$06,054
Sale, conversion, retirement of capital stock, net$0934
Net operating income$08,254
2005-09-30 (YTD Data)Rank
Total interest income$9,420,0002,556
Total interest expense$2,966,0002,561
Net interest income$6,454,0002,515
Provision for loan and lease losses$480,0001,448
Total noninterest income$2,654,0001,423
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$747,0001,723
Trading account gains and fees$0126
Additional Noninterest Income$1,907,0001,162
Total noninterest expense$6,815,0001,843
Salaries and employee benefits$3,753,0001,846
Premises and equipment expense$755,0002,338
Additional noninterest expense$2,307,0001,620
Pre-tax net operating income$1,813,0003,284
Securities gains (losses)$11,0001,448
Applicable income taxes$668,0002,457
Income before extraordinary items$1,156,0003,765
Extraordinary gains, net$035
Net income$1,156,0003,766
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-36,0008,371
Cash dividends$05,317
Sale, conversion, retirement of capital stock, net$0769
Net operating income$1,148,9603,745
2005-06-30 (YTD Data)Rank
Total interest income$5,979,0002,607
Total interest expense$1,772,0002,661
Net interest income$4,207,0002,541
Provision for loan and lease losses$360,0001,295
Total noninterest income$1,989,0001,271
Gross Fiduciary activities income$01,480
Service charges on deposit accounts$496,0001,697
Trading account gains and fees$0116
Additional Noninterest Income$1,493,0001,012
Total noninterest expense$4,426,0001,871
Salaries and employee benefits$2,424,0001,883
Premises and equipment expense$492,0002,361
Additional noninterest expense$1,510,0001,637
Pre-tax net operating income$1,410,0002,889
Securities gains (losses)$11,0001,322
Applicable income taxes$522,0002,214
Income before extraordinary items$899,0003,364
Extraordinary gains, net$030
Net income$899,0003,366
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,0005,290
Cash dividends$05,072
Sale, conversion, retirement of capital stock, net$0643
Net operating income$891,9603,330
2005-03-31 (YTD Data)Rank
Total interest income$3,066,0002,522
Total interest expense$852,0002,646
Net interest income$2,214,0002,418
Provision for loan and lease losses$240,000955
Total noninterest income$721,0001,607
Gross Fiduciary activities income$01,418
Service charges on deposit accounts$249,0001,634
Trading account gains and fees$0115
Additional Noninterest Income$472,0001,379
Total noninterest expense$2,103,0001,967
Salaries and employee benefits$1,176,0001,943
Premises and equipment expense$218,0002,657
Additional noninterest expense$709,0001,740
Pre-tax net operating income$592,0003,254
Securities gains (losses)$11,000981
Applicable income taxes$221,0002,442
Income before extraordinary items$382,0003,729
Extraordinary gains, net$024
Net income$382,0003,731
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-5,0007,610
Cash dividends$03,863
Sale, conversion, retirement of capital stock, net$0491
Net operating income$374,9603,747
2004-12-31 (YTD Data)Rank
Total interest income$10,316,0002,753
Total interest expense$2,399,0003,141
Net interest income$7,917,0002,567
Provision for loan and lease losses$630,0001,578
Total noninterest income$1,433,0002,765
Gross Fiduciary activities income$01,582
Service charges on deposit accounts$989,0001,776
Trading account gains and fees$0138
Additional Noninterest Income$444,0003,530
Total noninterest expense$6,477,0002,470
Salaries and employee benefits$3,578,0002,440
Premises and equipment expense$617,0003,459
Additional noninterest expense$2,282,0002,130
Pre-tax net operating income$2,243,0003,248
Securities gains (losses)$33,0002,039
Applicable income taxes$662,0002,856
Income before extraordinary items$1,614,0003,443
Extraordinary gains, net$034
Net income$1,614,0003,442
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$565,0001,215
Cash dividends$06,149
Sale, conversion, retirement of capital stock, net$0872
Net operating income$1,590,5703,414
2004-09-30 (YTD Data)Rank
Total interest income$7,063,0002,955
Total interest expense$1,649,0003,326
Net interest income$5,414,0002,774
Provision for loan and lease losses$390,0001,816
Total noninterest income$1,115,0002,710
Gross Fiduciary activities income$01,547
Service charges on deposit accounts$744,0001,779
Trading account gains and fees$0134
Additional Noninterest Income$371,0003,329
Total noninterest expense$4,406,0002,672
Salaries and employee benefits$2,415,0002,645
Premises and equipment expense$379,0004,035
Additional noninterest expense$1,612,0002,243
Pre-tax net operating income$1,733,0003,238
Securities gains (losses)$33,0001,968
Applicable income taxes$518,0002,838
Income before extraordinary items$1,248,0003,447
Extraordinary gains, net$026
Net income$1,248,0003,447
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$439,0001,083
Cash dividends$05,363
Sale, conversion, retirement of capital stock, net$0738
Net operating income$1,224,5703,405
2004-06-30 (YTD Data)Rank
Total interest income$4,364,0003,141
Total interest expense$1,065,0003,412
Net interest income$3,299,0003,026
Provision for loan and lease losses$150,0002,691
Total noninterest income$820,0002,547
Gross Fiduciary activities income$01,518
Service charges on deposit accounts$502,0001,744
Trading account gains and fees$0130
Additional Noninterest Income$318,0002,892
Total noninterest expense$2,775,0002,817
Salaries and employee benefits$1,528,0002,784
Premises and equipment expense$220,0004,467
Additional noninterest expense$1,027,0002,336
Pre-tax net operating income$1,194,0003,124
Securities gains (losses)$22,0001,980
Applicable income taxes$356,0002,772
Income before extraordinary items$860,0003,334
Extraordinary gains, net$021
Net income$860,0003,334
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$203,0001,363
Cash dividends$05,087
Sale, conversion, retirement of capital stock, net$0638
Net operating income$844,3803,281
2004-03-31 (YTD Data)Rank
Total interest income$2,016,0003,380
Total interest expense$522,0003,507
Net interest income$1,494,0003,269
Provision for loan and lease losses$75,0002,550
Total noninterest income$279,0003,270
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$240,0001,780
Trading account gains and fees$0121
Additional Noninterest Income$39,0005,616
Total noninterest expense$1,225,0003,161
Salaries and employee benefits$669,0003,156
Premises and equipment expense$95,0004,969
Additional noninterest expense$461,0002,552
Pre-tax net operating income$473,0003,673
Securities gains (losses)$22,0001,655
Applicable income taxes$161,0002,965
Income before extraordinary items$334,0003,973
Extraordinary gains, net$016
Net income$334,0003,972
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$46,0002,025
Cash dividends$03,841
Sale, conversion, retirement of capital stock, net$0464
Net operating income$319,2603,962
2003-12-31 (YTD Data)Rank
Total interest income$7,640,0003,568
Total interest expense$2,073,0003,920
Net interest income$5,567,0003,395
Provision for loan and lease losses$261,0003,461
Total noninterest income$1,099,0003,509
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$855,0002,007
Trading account gains and fees$0160
Additional Noninterest Income$244,0004,895
Total noninterest expense$4,153,0003,610
Salaries and employee benefits$2,161,0003,676
Premises and equipment expense$318,0005,483
Additional noninterest expense$1,674,0002,788
Pre-tax net operating income$2,252,0003,114
Securities gains (losses)$144,0001,583
Applicable income taxes$883,0002,354
Income before extraordinary items$1,513,0003,539
Extraordinary gains, net$054
Net income$1,513,0003,538
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$173,0003,126
Cash dividends$06,283
Sale, conversion, retirement of capital stock, net$0868
Net operating income$1,420,8403,531
2003-09-30 (YTD Data)Rank
Total interest income$5,634,0003,651
Total interest expense$1,574,0003,995
Net interest income$4,060,0003,486
Provision for loan and lease losses$261,0002,785
Total noninterest income$790,0003,672
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$613,0002,098
Trading account gains and fees$0153
Additional Noninterest Income$177,0005,017
Total noninterest expense$3,101,0003,600
Salaries and employee benefits$1,611,0003,679
Premises and equipment expense$233,0005,546
Additional noninterest expense$1,257,0002,766
Pre-tax net operating income$1,488,0003,535
Securities gains (losses)$124,0001,559
Applicable income taxes$594,0002,688
Income before extraordinary items$1,018,0003,940
Extraordinary gains, net$040
Net income$1,018,0003,939
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$137,0002,746
Cash dividends$05,519
Sale, conversion, retirement of capital stock, net$0722
Net operating income$938,6403,977
2003-06-30 (YTD Data)Rank
Total interest income$3,716,0003,707
Total interest expense$1,060,0004,065
Net interest income$2,656,0003,531
Provision for loan and lease losses$236,0002,260
Total noninterest income$500,0003,739
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$383,0002,169
Trading account gains and fees$0150
Additional Noninterest Income$117,0005,041
Total noninterest expense$1,981,0003,720
Salaries and employee benefits$1,067,0003,708
Premises and equipment expense$149,0005,669
Additional noninterest expense$765,0002,985
Pre-tax net operating income$939,0003,660
Securities gains (losses)$51,0002,000
Applicable income taxes$365,0002,879
Income before extraordinary items$625,0004,171
Extraordinary gains, net$030
Net income$625,0004,170
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$144,0002,018
Cash dividends$05,215
Sale, conversion, retirement of capital stock, net$0589
Net operating income$592,3604,129
2003-03-31 (YTD Data)Rank
Total interest income$1,819,0003,789
Total interest expense$512,0004,269
Net interest income$1,307,0003,565
Provision for loan and lease losses$140,0001,874
Total noninterest income$241,0003,723
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$181,0002,214
Trading account gains and fees$0134
Additional Noninterest Income$60,0004,921
Total noninterest expense$966,0003,770
Salaries and employee benefits$535,0003,695
Premises and equipment expense$72,0005,758
Additional noninterest expense$359,0003,128
Pre-tax net operating income$442,0003,800
Securities gains (losses)$02,891
Applicable income taxes$163,0003,077
Income before extraordinary items$279,0004,434
Extraordinary gains, net$021
Net income$279,0004,432
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$116,0001,354
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$0419
Net operating income$279,0004,237
2002-12-31 (YTD Data)Rank
Total interest income$7,624,0003,792
Total interest expense$2,544,0004,048
Net interest income$5,080,0003,626
Provision for loan and lease losses$364,0003,036
Total noninterest income$965,0003,559
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$792,0002,015
Trading account gains and fees$0153
Additional Noninterest Income$173,0005,301
Total noninterest expense$3,912,0003,619
Salaries and employee benefits$1,980,0003,766
Premises and equipment expense$304,0005,540
Additional noninterest expense$1,628,0002,764
Pre-tax net operating income$1,769,0003,703
Securities gains (losses)$137,0001,459
Applicable income taxes$702,0002,839
Income before extraordinary items$1,204,0004,081
Extraordinary gains, net$070
Net income$1,204,0004,082
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$162,0003,367
Cash dividends$06,377
Sale, conversion, retirement of capital stock, net$0862
Net operating income$1,116,3204,176
2001-12-31 (YTD Data)Rank
Total interest income$8,578,0003,787
Total interest expense$4,232,0003,632
Net interest income$4,346,0003,872
Provision for loan and lease losses$385,0002,702
Total noninterest income$575,0004,701
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$470,0002,981
Trading account gains and fees$0177
Additional Noninterest Income$105,0006,335
Total noninterest expense$3,314,0004,006
Salaries and employee benefits$1,695,0004,112
Premises and equipment expense$290,0005,630
Additional noninterest expense$1,329,0003,196
Pre-tax net operating income$1,222,0004,380
Securities gains (losses)$20,0003,157
Applicable income taxes$441,0003,536
Income before extraordinary items$801,0004,868
Extraordinary gains, net$0105
Net income$801,0004,871
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$51,0005,124
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$3,000895
Net operating income$788,2004,791
2000-12-31 (YTD Data)Rank
Total interest income$6,779,0004,705
Total interest expense$3,450,0004,432
Net interest income$3,329,0004,787
Provision for loan and lease losses$365,0002,455
Total noninterest income$384,0005,635
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$286,0004,197
Trading account gains and feesNANA
Additional Noninterest Income$98,0006,478
Total noninterest expense$2,980,0004,260
Salaries and employee benefits$1,354,0004,742
Premises and equipment expense$309,0005,341
Additional noninterest expense$1,317,0003,146
Pre-tax net operating income$368,0007,612
Securities gains (losses)$01,956
Applicable income taxes$35,0007,503
Income before extraordinary items$333,0007,271
Extraordinary gains, net$038
Net income$333,0007,269
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$86,0003,825
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$4,000923
Net operating income$333,0007,268
1999-12-31 (YTD Data)Rank
Total interest income$4,413,0006,007
Total interest expense$2,077,0005,869
Net interest income$2,336,0006,048
Provision for loan and lease losses$300,0002,624
Total noninterest income$359,0005,929
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$236,0004,671
Trading account gains and feesNANA
Additional Noninterest Income$123,0006,110
Total noninterest expense$2,070,0005,559
Salaries and employee benefits$978,0005,975
Premises and equipment expense$254,0005,977
Additional noninterest expense$838,0004,635
Pre-tax net operating income$325,0007,949
Securities gains (losses)$1,0002,805
Applicable income taxes$08,765
Income before extraordinary items$326,0007,427
Extraordinary gains, net$035
Net income$326,0007,428
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$60,0004,508
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$325,0007,409
1998-12-31 (YTD Data)Rank
Total interest income$2,765,0007,799
Total interest expense$1,273,0007,746
Net interest income$1,492,0007,703
Provision for loan and lease losses$309,0002,532
Total noninterest income$131,0008,529
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$88,0007,095
Trading account gains and feesNANA
Additional Noninterest Income$43,0008,420
Total noninterest expense$1,420,0006,906
Salaries and employee benefits$672,0007,357
Premises and equipment expense$227,0006,307
Additional noninterest expense$521,0006,289
Pre-tax net operating income$-106,0009,919
Securities gains (losses)$2,0003,909
Applicable income taxes$09,340
Income before extraordinary items$-104,0009,960
Extraordinary gains, net$032
Net income$-104,0009,958
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$28,0005,860
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$-106,0009,927
1997-12-31 (YTD Data)Rank
Total interest income$856,00010,429
Total interest expense$288,00010,537
Net interest income$568,00010,251
Provision for loan and lease losses$177,0003,785
Total noninterest income$22,00010,670
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$7,0009,339
Trading account gains and feesNANA
Additional Noninterest Income$15,00010,147
Total noninterest expense$887,0008,729
Salaries and employee benefits$365,0009,496
Premises and equipment expense$103,0008,887
Additional noninterest expense$419,0007,201
Pre-tax net operating income$-474,00010,733
Securities gains (losses)$03,944
Applicable income taxes$010,065
Income before extraordinary items$-474,00010,748
Extraordinary gains, net$044
Net income$-474,00010,748
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$7,359,000129
Net operating income$-474,00010,728

* 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.