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Rocky Ford Federal Savings and Loan Association of Colorado, Income and Expense

2001-12-31 (YTD Data)Rank
Total interest income$1,439,0008,790
Total interest expense$702,0008,617
Net interest income$737,0008,789
Provision for loan and lease losses$08,228
Total noninterest income$45,0009,216
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0177
Additional Noninterest Income$45,0007,826
Total noninterest expense$499,0009,183
Salaries and employee benefits$326,0008,956
Premises and equipment expense$96,0008,365
Additional noninterest expense$77,0009,478
Pre-tax net operating income$283,0007,495
Securities gains (losses)$04,612
Applicable income taxes$87,0006,165
Income before extraordinary items$196,0007,770
Extraordinary gains, net$0105
Net income$196,0007,773
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,777
Cash dividends$49,0006,203
Sale, conversion, retirement of capital stock, net$0922
Net operating income$196,0007,655
2000-12-31 (YTD Data)Rank
Total interest income$1,533,0008,914
Total interest expense$729,0008,794
Net interest income$804,0008,889
Provision for loan and lease losses$08,337
Total noninterest income$38,0009,488
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0180
Additional Noninterest Income$38,0008,238
Total noninterest expense$511,0009,369
Salaries and employee benefits$323,0009,151
Premises and equipment expense$81,0008,764
Additional noninterest expense$107,0009,581
Pre-tax net operating income$331,0007,770
Securities gains (losses)$01,956
Applicable income taxes$98,0006,531
Income before extraordinary items$233,0007,880
Extraordinary gains, net$038
Net income$233,0007,880
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,622
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$0969
Net operating income$233,0007,883
1999-12-31 (YTD Data)Rank
Total interest income$1,542,0009,016
Total interest expense$768,0008,762
Net interest income$774,0009,120
Provision for loan and lease losses$08,503
Total noninterest income$36,0009,782
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0173
Additional Noninterest Income$36,0008,584
Total noninterest expense$527,0009,545
Salaries and employee benefits$324,0009,335
Premises and equipment expense$126,0008,112
Additional noninterest expense$77,00010,063
Pre-tax net operating income$283,0008,185
Securities gains (losses)$03,155
Applicable income taxes$107,0006,835
Income before extraordinary items$176,0008,460
Extraordinary gains, net$035
Net income$176,0008,459
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,897
Cash dividends$98,0006,149
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$176,0008,426
1998-12-31 (YTD Data)Rank
Total interest income$1,610,0009,149
Total interest expense$765,0009,026
Net interest income$845,0009,145
Provision for loan and lease losses$08,652
Total noninterest income$56,0009,756
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0224
Additional Noninterest Income$56,0007,951
Total noninterest expense$509,0009,750
Salaries and employee benefits$333,0009,400
Premises and equipment expense$109,0008,510
Additional noninterest expense$67,00010,322
Pre-tax net operating income$392,0007,924
Securities gains (losses)$04,449
Applicable income taxes$148,0006,865
Income before extraordinary items$244,0008,287
Extraordinary gains, net$032
Net income$244,0008,286
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,132
Cash dividends$126,0005,999
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$244,0008,213
1997-12-31 (YTD Data)Rank
Total interest income$1,619,0009,535
Total interest expense$821,0009,194
Net interest income$798,0009,674
Provision for loan and lease losses$08,829
Total noninterest income$86,0009,650
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0239
Additional Noninterest Income$86,0007,197
Total noninterest expense$768,0009,152
Salaries and employee benefits$528,0008,404
Premises and equipment expense$102,0008,911
Additional noninterest expense$138,00010,142
Pre-tax net operating income$116,00010,001
Securities gains (losses)$03,944
Applicable income taxes$29,0009,573
Income before extraordinary items$87,00010,037
Extraordinary gains, net$044
Net income$87,00010,040
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$1,916,000383
Net operating income$87,00010,001
1996-12-31 (YTD Data)Rank
Total interest income$1,534,00010,054
Total interest expense$820,0009,585
Net interest income$714,00010,346
Provision for loan and lease losses$09,041
Total noninterest income$93,00010,021
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0262
Additional Noninterest Income$93,0007,355
Total noninterest expense$609,00010,140
Salaries and employee benefits$245,00010,744
Premises and equipment expense$103,0009,206
Additional noninterest expense$261,0009,275
Pre-tax net operating income$198,0009,799
Securities gains (losses)$04,148
Applicable income taxes$77,0009,213
Income before extraordinary items$121,00010,032
Extraordinary gains, net$053
Net income$121,00010,030
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,805
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$121,0009,979
1995-12-31 (YTD Data)Rank
Total interest income$1,545,00010,452
Total interest expense$833,0009,842
Net interest income$712,00010,802
Provision for loan and lease losses$08,958
Total noninterest income$79,00010,763
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0522
Additional Noninterest Income$79,0007,981
Total noninterest expense$456,00011,207
Salaries and employee benefits$227,00011,324
Premises and equipment expense$115,0009,181
Additional noninterest expense$114,00011,478
Pre-tax net operating income$335,0009,500
Securities gains (losses)$03,831
Applicable income taxes$115,0008,883
Income before extraordinary items$220,0009,719
Extraordinary gains, net$065
Net income$220,0009,724
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,856
Cash dividends$08,717
Sale, conversion, retirement of capital stock, netNANA
Net operating income$220,0009,683
1994-12-31 (YTD Data)Rank
Total interest income$1,471,00010,793
Total interest expense$677,00010,221
Net interest income$794,00011,076
Provision for loan and lease losses$12,0008,270
Total noninterest income$78,00011,302
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0475
Additional Noninterest Income$78,0008,327
Total noninterest expense$421,00011,950
Salaries and employee benefits$175,00012,222
Premises and equipment expense$68,00011,037
Additional noninterest expense$178,00011,428
Pre-tax net operating income$439,0009,065
Securities gains (losses)$03,600
Applicable income taxes$163,0008,057
Income before extraordinary items$276,0009,414
Extraordinary gains, net$0249
Net income$276,0009,420
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$19,0006,702
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$276,0009,466
1993-12-31 (YTD Data)Rank
Total interest income$1,546,00011,131
Total interest expense$731,00010,402
Net interest income$815,00011,453
Provision for loan and lease losses$010,371
Total noninterest income$89,00011,589
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0532
Additional Noninterest Income$89,0008,282
Total noninterest expense$432,00012,501
Salaries and employee benefits$153,00012,972
Premises and equipment expense$47,00012,313
Additional noninterest expense$232,00011,292
Pre-tax net operating income$472,0008,848
Securities gains (losses)$07,477
Applicable income taxes$155,0008,513
Income before extraordinary items$317,0009,273
Extraordinary gains, net$03,149
Net income$317,0009,442
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$09,922
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$317,0009,019
1992-12-31 (YTD Data)Rank
Total interest income$1,700,00011,520
Total interest expense$950,00010,618
Net interest income$750,00012,116
Provision for loan and lease losses$011,756
Total noninterest income$92,00011,937
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0504
Additional Noninterest Income$92,0008,366
Total noninterest expense$420,00013,067
Salaries and employee benefits$139,00013,625
Premises and equipment expense$43,00012,949
Additional noninterest expense$238,00011,701
Pre-tax net operating income$422,0009,047
Securities gains (losses)$08,369
Applicable income taxes$188,0007,803
Income before extraordinary items$234,00010,120
Extraordinary gains, net$01,422
Net income$234,00010,265
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$011,197
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$234,0009,769

* 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.