Home > Rock Community Bank > Income and Expense
Rock Community Bank, Income and Expense
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,120,000 | 7,338 |
| Total interest expense | $813,000 | 6,749 |
| Net interest income | $1,307,000 | 7,550 |
| Provision for loan and lease losses | $15,000 | 6,626 |
| Total noninterest income | $71,000 | 8,244 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $47,000 | 7,127 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $24,000 | 8,023 |
| Total noninterest expense | $824,000 | 8,040 |
| Salaries and employee benefits | $400,000 | 8,210 |
| Premises and equipment expense | $153,000 | 7,235 |
| Additional noninterest expense | $271,000 | 7,803 |
| Pre-tax net operating income | $539,000 | 6,617 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $187,000 | 4,750 |
| Income before extraordinary items | $352,000 | 6,966 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $352,000 | 6,966 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,631 |
| Cash dividends | $500,000 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $352,000 | 6,950 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,463,000 | 7,518 |
| Total interest expense | $474,000 | 7,184 |
| Net interest income | $989,000 | 7,581 |
| Provision for loan and lease losses | $15,000 | 6,317 |
| Total noninterest income | $51,000 | 8,302 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $33,000 | 7,220 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $18,000 | 8,051 |
| Total noninterest expense | $633,000 | 8,003 |
| Salaries and employee benefits | $306,000 | 8,167 |
| Premises and equipment expense | $123,000 | 7,119 |
| Additional noninterest expense | $204,000 | 7,799 |
| Pre-tax net operating income | $392,000 | 6,827 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $156,000 | 4,768 |
| Income before extraordinary items | $236,000 | 7,266 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $236,000 | 7,267 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,295 |
| Cash dividends | $500,000 | 2,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $236,000 | 7,228 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $919,000 | 7,615 |
| Total interest expense | $254,000 | 7,491 |
| Net interest income | $665,000 | 7,577 |
| Provision for loan and lease losses | $15,000 | 5,851 |
| Total noninterest income | $31,000 | 8,369 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $20,000 | 7,275 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $11,000 | 8,096 |
| Total noninterest expense | $428,000 | 7,979 |
| Salaries and employee benefits | $202,000 | 8,181 |
| Premises and equipment expense | $83,000 | 7,078 |
| Additional noninterest expense | $143,000 | 7,720 |
| Pre-tax net operating income | $253,000 | 6,895 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $101,000 | 4,803 |
| Income before extraordinary items | $152,000 | 7,329 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $152,000 | 7,330 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,029 |
| Cash dividends | $500,000 | 2,165 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $152,000 | 7,285 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $420,000 | 7,804 |
| Total interest expense | $82,000 | 8,086 |
| Net interest income | $338,000 | 7,599 |
| Provision for loan and lease losses | $15,000 | 4,875 |
| Total noninterest income | $13,000 | 8,505 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $8,000 | 7,454 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $5,000 | 8,232 |
| Total noninterest expense | $196,000 | 8,166 |
| Salaries and employee benefits | $96,000 | 8,315 |
| Premises and equipment expense | $42,000 | 7,127 |
| Additional noninterest expense | $58,000 | 8,095 |
| Pre-tax net operating income | $140,000 | 6,689 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $56,000 | 4,620 |
| Income before extraordinary items | $84,000 | 7,161 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $84,000 | 7,161 |
| 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 | $84,000 | 7,128 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,731,000 | 7,658 |
| Total interest expense | $293,000 | 8,132 |
| Net interest income | $1,438,000 | 7,405 |
| Provision for loan and lease losses | $60,000 | 5,645 |
| Total noninterest income | $67,000 | 8,428 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $44,000 | 7,380 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $23,000 | 8,128 |
| Total noninterest expense | $985,000 | 7,845 |
| Salaries and employee benefits | $424,000 | 8,227 |
| Premises and equipment expense | $193,000 | 6,844 |
| Additional noninterest expense | $368,000 | 7,301 |
| Pre-tax net operating income | $460,000 | 6,836 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $142,000 | 5,164 |
| Income before extraordinary items | $318,000 | 7,150 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $318,000 | 7,149 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,978 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $318,000 | 7,099 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,309,000 | 7,678 |
| Total interest expense | $218,000 | 8,164 |
| Net interest income | $1,091,000 | 7,393 |
| Provision for loan and lease losses | $45,000 | 5,471 |
| Total noninterest income | $48,000 | 8,511 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $31,000 | 7,464 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $17,000 | 8,169 |
| Total noninterest expense | $822,000 | 7,604 |
| Salaries and employee benefits | $370,000 | 7,979 |
| Premises and equipment expense | $157,000 | 6,634 |
| Additional noninterest expense | $295,000 | 7,132 |
| Pre-tax net operating income | $272,000 | 7,364 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $109,000 | 5,250 |
| Income before extraordinary items | $163,000 | 7,704 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $163,000 | 7,704 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,579 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $163,000 | 7,651 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $870,000 | 7,728 |
| Total interest expense | $142,000 | 8,258 |
| Net interest income | $728,000 | 7,431 |
| Provision for loan and lease losses | $30,000 | 5,293 |
| Total noninterest income | $30,000 | 8,604 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $19,000 | 7,545 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $11,000 | 8,227 |
| Total noninterest expense | $567,000 | 7,581 |
| Salaries and employee benefits | $260,000 | 7,948 |
| Premises and equipment expense | $108,000 | 6,605 |
| Additional noninterest expense | $199,000 | 7,136 |
| Pre-tax net operating income | $161,000 | 7,477 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $64,000 | 5,369 |
| Income before extraordinary items | $97,000 | 7,801 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $97,000 | 7,802 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,314 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $97,000 | 7,740 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $442,000 | 7,741 |
| Total interest expense | $74,000 | 8,293 |
| Net interest income | $368,000 | 7,442 |
| Provision for loan and lease losses | $15,000 | 5,048 |
| Total noninterest income | $13,000 | 8,701 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $8,000 | 7,614 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $5,000 | 8,313 |
| Total noninterest expense | $274,000 | 7,683 |
| Salaries and employee benefits | $119,000 | 8,132 |
| Premises and equipment expense | $57,000 | 6,454 |
| Additional noninterest expense | $98,000 | 7,196 |
| Pre-tax net operating income | $92,000 | 7,278 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $37,000 | 5,183 |
| Income before extraordinary items | $55,000 | 7,679 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $55,000 | 7,680 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,968 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $55,000 | 7,605 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,909,000 | 7,645 |
| Total interest expense | $463,000 | 7,881 |
| Net interest income | $1,446,000 | 7,445 |
| Provision for loan and lease losses | $75,000 | 5,722 |
| Total noninterest income | $81,000 | 8,492 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $40,000 | 7,585 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $41,000 | 7,788 |
| Total noninterest expense | $1,158,000 | 7,559 |
| Salaries and employee benefits | $563,000 | 7,854 |
| Premises and equipment expense | $217,000 | 6,578 |
| Additional noninterest expense | $378,000 | 7,284 |
| Pre-tax net operating income | $294,000 | 7,455 |
| Securities gains (losses) | $2,000 | 4,163 |
| Applicable income taxes | $118,000 | 5,544 |
| Income before extraordinary items | $178,000 | 7,873 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $178,000 | 7,874 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 8,737 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $176,720 | 7,749 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,448,000 | 7,718 |
| Total interest expense | $377,000 | 7,870 |
| Net interest income | $1,071,000 | 7,519 |
| Provision for loan and lease losses | $60,000 | 5,499 |
| Total noninterest income | $67,000 | 8,473 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $31,000 | 7,618 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $36,000 | 7,634 |
| Total noninterest expense | $895,000 | 7,475 |
| Salaries and employee benefits | $432,000 | 7,761 |
| Premises and equipment expense | $160,000 | 6,620 |
| Additional noninterest expense | $303,000 | 7,113 |
| Pre-tax net operating income | $183,000 | 7,807 |
| Securities gains (losses) | $2,000 | 3,872 |
| Applicable income taxes | $74,000 | 5,879 |
| Income before extraordinary items | $111,000 | 8,151 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $111,000 | 8,154 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-33,000 | 8,842 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $109,720 | 8,029 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $979,000 | 7,740 |
| Total interest expense | $270,000 | 7,856 |
| Net interest income | $709,000 | 7,554 |
| Provision for loan and lease losses | $40,000 | 5,444 |
| Total noninterest income | $40,000 | 8,577 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $21,000 | 7,634 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $19,000 | 7,898 |
| Total noninterest expense | $580,000 | 7,559 |
| Salaries and employee benefits | $283,000 | 7,832 |
| Premises and equipment expense | $105,000 | 6,641 |
| Additional noninterest expense | $192,000 | 7,250 |
| Pre-tax net operating income | $129,000 | 7,777 |
| Securities gains (losses) | $2,000 | 3,460 |
| Applicable income taxes | $52,000 | 5,878 |
| Income before extraordinary items | $79,000 | 8,144 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $79,000 | 8,147 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-33,000 | 8,893 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $77,720 | 8,004 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $506,000 | 7,713 |
| Total interest expense | $146,000 | 7,812 |
| Net interest income | $360,000 | 7,540 |
| Provision for loan and lease losses | $25,000 | 4,925 |
| Total noninterest income | $17,000 | 8,734 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $7,000 | 7,830 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $10,000 | 7,893 |
| Total noninterest expense | $284,000 | 7,642 |
| Salaries and employee benefits | $138,000 | 7,922 |
| Premises and equipment expense | $51,000 | 6,736 |
| Additional noninterest expense | $95,000 | 7,280 |
| Pre-tax net operating income | $68,000 | 7,700 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $27,000 | 5,815 |
| Income before extraordinary items | $41,000 | 8,078 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $41,000 | 8,077 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-33,000 | 9,018 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $41,000 | 7,929 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,080,000 | 7,761 |
| Total interest expense | $605,000 | 8,076 |
| Net interest income | $1,475,000 | 7,474 |
| Provision for loan and lease losses | $110,000 | 5,550 |
| Total noninterest income | $69,000 | 8,761 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $32,000 | 7,826 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $37,000 | 7,965 |
| Total noninterest expense | $1,076,000 | 7,765 |
| Salaries and employee benefits | $525,000 | 8,037 |
| Premises and equipment expense | $220,000 | 6,524 |
| Additional noninterest expense | $331,000 | 7,577 |
| Pre-tax net operating income | $358,000 | 7,336 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $130,000 | 5,699 |
| Income before extraordinary items | $228,000 | 7,686 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $228,000 | 7,685 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $228,000 | 7,591 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,903,000 | 8,312 |
| Total interest expense | $766,000 | 8,498 |
| Net interest income | $1,137,000 | 8,017 |
| Provision for loan and lease losses | $143,000 | 4,894 |
| Total noninterest income | $53,000 | 9,133 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $19,000 | 8,144 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $34,000 | 8,222 |
| Total noninterest expense | $863,000 | 8,296 |
| Salaries and employee benefits | $391,000 | 8,665 |
| Premises and equipment expense | $200,000 | 6,791 |
| Additional noninterest expense | $272,000 | 8,063 |
| Pre-tax net operating income | $184,000 | 7,959 |
| Securities gains (losses) | $21,000 | 3,115 |
| Applicable income taxes | $69,000 | 6,424 |
| Income before extraordinary items | $136,000 | 8,118 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $136,000 | 8,119 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 5,370 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $122,140 | 8,095 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,599,000 | 8,845 |
| Total interest expense | $812,000 | 8,613 |
| Net interest income | $787,000 | 8,928 |
| Provision for loan and lease losses | $100,000 | 5,274 |
| Total noninterest income | $26,000 | 9,625 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $13,000 | 8,373 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $13,000 | 9,267 |
| Total noninterest expense | $707,000 | 8,804 |
| Salaries and employee benefits | $348,000 | 9,005 |
| Premises and equipment expense | $185,000 | 7,000 |
| Additional noninterest expense | $174,000 | 9,028 |
| Pre-tax net operating income | $6,000 | 9,095 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $2,000 | 8,274 |
| Income before extraordinary items | $4,000 | 9,136 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $4,000 | 9,134 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $4,000 | 9,121 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $484,000 | 9,982 |
| Total interest expense | $241,000 | 9,883 |
| Net interest income | $243,000 | 10,024 |
| Provision for loan and lease losses | $77,000 | 5,736 |
| Total noninterest income | $8,000 | 10,070 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $3,000 | 8,790 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $5,000 | 9,956 |
| Total noninterest expense | $603,000 | 9,309 |
| Salaries and employee benefits | $253,000 | 9,705 |
| Premises and equipment expense | $109,000 | 8,449 |
| Additional noninterest expense | $241,000 | 8,649 |
| Pre-tax net operating income | $-429,000 | 9,804 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-146,000 | 9,975 |
| Income before extraordinary items | $-283,000 | 9,749 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-283,000 | 9,747 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $5,000,000 | 244 |
| Net operating income | $-283,000 | 9,728 |
* 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.