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RockBridge Commercial Bank, Income and Expense

2009-09-30 (YTD Data)Rank
Total interest income$8,596,0002,909
Total interest expense$5,901,0001,567
Net interest income$2,695,0004,904
Provision for loan and lease losses$26,317,000330
Total noninterest income$212,0005,777
Gross Fiduciary activities income$01,353
Service charges on deposit accounts$103,0005,320
Trading account gains and fees$0212
Additional Noninterest Income$109,0005,257
Total noninterest expense$5,021,0002,906
Salaries and employee benefits$1,968,0003,592
Premises and equipment expense$412,0004,171
Additional noninterest expense$2,641,0002,003
Pre-tax net operating income$-28,431,0007,924
Securities gains (losses)$106,0001,790
Applicable income taxes$04,592
Income before extraordinary items$-28,325,0007,940
Extraordinary gains, net$027
Net income$-28,325,0007,940
Minority interest net income$0118
Net income of bank and minority interests.$-28,325,0007,940
Net charge-offs$27,039,000238
Cash dividends$04,191
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$-28,431,0007,943
2009-06-30 (YTD Data)Rank
Total interest income$6,138,0002,760
Total interest expense$3,938,0001,652
Net interest income$2,200,0004,295
Provision for loan and lease losses$16,238,000345
Total noninterest income$118,0006,136
Gross Fiduciary activities income$01,340
Service charges on deposit accounts$64,0005,441
Trading account gains and fees$0193
Additional Noninterest Income$54,0005,737
Total noninterest expense$2,826,0003,371
Salaries and employee benefits$1,335,0003,588
Premises and equipment expense$272,0004,225
Additional noninterest expense$1,219,0002,779
Pre-tax net operating income$-16,746,0008,003
Securities gains (losses)$175,0001,094
Applicable income taxes$04,657
Income before extraordinary items$-16,571,0008,018
Extraordinary gains, net$021
Net income$-16,571,0008,018
Minority interest net income$0112
Net income of bank and minority interests.$-16,571,0008,018
Net charge-offs$4,424,000633
Cash dividends$03,983
Sale, conversion, retirement of capital stock, net$01,195
Net operating income$-16,746,0008,016
2009-03-31 (YTD Data)Rank
Total interest income$3,414,0002,547
Total interest expense$2,010,0001,685
Net interest income$1,404,0003,632
Provision for loan and lease losses$111,0003,726
Total noninterest income$34,0006,884
Gross Fiduciary activities income$01,285
Service charges on deposit accounts$30,0005,504
Trading account gains and fees$0171
Additional Noninterest Income$4,0007,406
Total noninterest expense$1,227,0003,703
Salaries and employee benefits$671,0003,597
Premises and equipment expense$129,0004,416
Additional noninterest expense$427,0003,406
Pre-tax net operating income$100,0005,035
Securities gains (losses)$268,000549
Applicable income taxes$04,835
Income before extraordinary items$368,0002,732
Extraordinary gains, net$015
Net income$368,0002,730
Minority interest net income$0102
Net income of bank and minority interests.$368,0002,733
Net charge-offs$05,728
Cash dividends$03,051
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$100,0004,800
2008-12-31 (YTD Data)Rank
Total interest income$13,406,0002,752
Total interest expense$8,741,0001,825
Net interest income$4,665,0004,132
Provision for loan and lease losses$5,319,000965
Total noninterest income$139,0006,964
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$89,0006,055
Trading account gains and fees$0154
Additional Noninterest Income$50,0006,755
Total noninterest expense$5,036,0003,547
Salaries and employee benefits$2,875,0003,375
Premises and equipment expense$495,0004,488
Additional noninterest expense$1,666,0003,349
Pre-tax net operating income$-5,551,0007,835
Securities gains (losses)$03,220
Applicable income taxes$04,979
Income before extraordinary items$-5,551,0007,847
Extraordinary gains, net$039
Net income$-5,551,0007,847
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,307,0001,689
Cash dividends$05,455
Sale, conversion, retirement of capital stock, net$01,389
Net operating income$-5,551,0007,895
2008-09-30 (YTD Data)Rank
Total interest income$10,152,0002,783
Total interest expense$6,505,0001,894
Net interest income$3,647,0004,046
Provision for loan and lease losses$2,713,000966
Total noninterest income$96,0007,155
Gross Fiduciary activities income$01,405
Service charges on deposit accounts$65,0006,126
Trading account gains and fees$0148
Additional Noninterest Income$31,0007,091
Total noninterest expense$3,711,0003,586
Salaries and employee benefits$2,346,0003,162
Premises and equipment expense$353,0004,635
Additional noninterest expense$1,012,0003,829
Pre-tax net operating income$-2,681,0007,976
Securities gains (losses)$03,106
Applicable income taxes$05,372
Income before extraordinary items$-2,681,0007,975
Extraordinary gains, net$031
Net income$-2,681,0007,974
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,306,0001,098
Cash dividends$04,937
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$-2,681,0008,035
2008-06-30 (YTD Data)Rank
Total interest income$6,569,0002,894
Total interest expense$4,199,0002,051
Net interest income$2,370,0004,110
Provision for loan and lease losses$1,449,000979
Total noninterest income$43,0007,632
Gross Fiduciary activities income$01,395
Service charges on deposit accounts$20,0006,861
Trading account gains and fees$0149
Additional Noninterest Income$23,0007,064
Total noninterest expense$2,532,0003,535
Salaries and employee benefits$1,556,0003,229
Premises and equipment expense$229,0004,749
Additional noninterest expense$747,0003,530
Pre-tax net operating income$-1,568,0008,098
Securities gains (losses)$03,233
Applicable income taxes$05,627
Income before extraordinary items$-1,568,0008,163
Extraordinary gains, net$021
Net income$-1,568,0008,163
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,998
Cash dividends$04,733
Sale, conversion, retirement of capital stock, net$01,136
Net operating income$-1,568,0008,152
2008-03-31 (YTD Data)Rank
Total interest income$3,361,0002,912
Total interest expense$2,065,0002,186
Net interest income$1,296,0003,879
Provision for loan and lease losses$680,000819
Total noninterest income$13,0007,947
Gross Fiduciary activities income$01,326
Service charges on deposit accounts$5,0007,144
Trading account gains and fees$0158
Additional Noninterest Income$8,0007,392
Total noninterest expense$1,235,0003,615
Salaries and employee benefits$735,0003,418
Premises and equipment expense$113,0004,801
Additional noninterest expense$387,0003,408
Pre-tax net operating income$-606,0008,152
Securities gains (losses)$02,688
Applicable income taxes$05,622
Income before extraordinary items$-606,0008,198
Extraordinary gains, net$015
Net income$-606,0008,197
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,009
Cash dividends$03,705
Sale, conversion, retirement of capital stock, net$01,000
Net operating income$-606,0008,184
2007-12-31 (YTD Data)Rank
Total interest income$6,316,0005,045
Total interest expense$2,251,0005,557
Net interest income$4,065,0004,574
Provision for loan and lease losses$1,848,000899
Total noninterest income$18,0008,251
Gross Fiduciary activities income$01,498
Service charges on deposit accounts$11,0007,290
Trading account gains and fees$0178
Additional Noninterest Income$7,0008,138
Total noninterest expense$3,353,0004,666
Salaries and employee benefits$1,863,0004,631
Premises and equipment expense$444,0004,716
Additional noninterest expense$1,046,0004,511
Pre-tax net operating income$-1,118,0008,079
Securities gains (losses)$02,146
Applicable income taxes$06,070
Income before extraordinary items$-1,118,0008,139
Extraordinary gains, net$039
Net income$-1,118,0008,136
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,600
Cash dividends$05,817
Sale, conversion, retirement of capital stock, net$01,304
Net operating income$-1,118,0008,129
2007-09-30 (YTD Data)Rank
Total interest income$3,518,0005,913
Total interest expense$922,0006,837
Net interest income$2,596,0005,083
Provision for loan and lease losses$812,0001,074
Total noninterest income$9,0008,345
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$7,0007,342
Trading account gains and fees$0184
Additional Noninterest Income$2,0008,302
Total noninterest expense$2,396,0004,785
Salaries and employee benefits$1,384,0004,619
Premises and equipment expense$323,0004,796
Additional noninterest expense$689,0004,844
Pre-tax net operating income$-603,0008,135
Securities gains (losses)$01,655
Applicable income taxes$06,220
Income before extraordinary items$-603,0008,183
Extraordinary gains, net$033
Net income$-603,0008,179
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,076
Cash dividends$05,179
Sale, conversion, retirement of capital stock, net$01,144
Net operating income$-603,0008,174
2007-06-30 (YTD Data)Rank
Total interest income$1,737,0006,625
Total interest expense$250,0008,050
Net interest income$1,487,0005,578
Provision for loan and lease losses$465,0001,088
Total noninterest income$5,0008,427
Gross Fiduciary activities income$01,429
Service charges on deposit accounts$5,0007,379
Trading account gains and fees$0168
Additional Noninterest Income$08,426
Total noninterest expense$1,447,0005,127
Salaries and employee benefits$811,0005,096
Premises and equipment expense$206,0004,941
Additional noninterest expense$430,0005,048
Pre-tax net operating income$-420,0008,246
Securities gains (losses)$01,444
Applicable income taxes$06,265
Income before extraordinary items$-420,0008,283
Extraordinary gains, net$029
Net income$-420,0008,282
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,517
Cash dividends$04,977
Sale, conversion, retirement of capital stock, net$01,051
Net operating income$-420,0008,274
2007-03-31 (YTD Data)Rank
Total interest income$644,0007,259
Total interest expense$29,0008,522
Net interest income$615,0006,110
Provision for loan and lease losses$184,0001,248
Total noninterest income$08,538
Gross Fiduciary activities income$01,355
Service charges on deposit accounts$07,573
Trading account gains and fees$0195
Additional Noninterest Income$08,433
Total noninterest expense$690,0005,303
Salaries and employee benefits$369,0005,424
Premises and equipment expense$100,0005,048
Additional noninterest expense$221,0004,921
Pre-tax net operating income$-259,0008,369
Securities gains (losses)$01,187
Applicable income taxes$06,196
Income before extraordinary items$-259,0008,394
Extraordinary gains, net$022
Net income$-259,0008,392
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$04,509
Cash dividends$03,942
Sale, conversion, retirement of capital stock, net$0885
Net operating income$-259,0008,384
2006-12-31 (YTD Data)Rank
Total interest income$342,0008,595
Total interest expense$6,0008,650
Net interest income$336,0008,538
Provision for loan and lease losses$74,0005,113
Total noninterest income$08,609
Gross Fiduciary activities income$01,523
Service charges on deposit accounts$07,634
Trading account gains and fees$0130
Additional Noninterest Income$08,532
Total noninterest expense$727,0008,127
Salaries and employee benefits$259,0008,460
Premises and equipment expense$69,0008,156
Additional noninterest expense$399,0007,065
Pre-tax net operating income$-465,0008,240
Securities gains (losses)$01,687
Applicable income taxes$06,600
Income before extraordinary items$-465,0008,274
Extraordinary gains, net$051
Net income$-465,0008,273
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,377
Cash dividends$05,941
Sale, conversion, retirement of capital stock, net$01,251
Net operating income$-465,0008,271

* 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.