Home > Rocky Mountain State Bank > Income and Expense

Rocky Mountain State Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$1,010,000	10,800
Total interest expense	$368,000	10,944
Net interest income	$642,000	10,539
Provision for loan and lease losses	$13,000	8,331
Total noninterest income	$94,000	9,994
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$66,000	8,366
Trading account gains and fees	NA	NA
Additional Noninterest Income	$28,000	9,949
Total noninterest expense	$629,000	10,072
Salaries and employee benefits	$300,000	10,345
Premises and equipment expense	$122,000	8,752
Additional noninterest expense	$207,000	9,861
Pre-tax net operating income	$94,000	10,397
Securities gains (losses)	$0	4,148
Applicable income taxes	$18,000	10,236
Income before extraordinary items	$76,000	10,413
Extraordinary gains, net	$0	53
Net income	$76,000	10,412
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	8,019
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$76,000	10,367
1995-12-31 (YTD Data)		Rank
Total interest income	$968,000	11,336
Total interest expense	$453,000	11,183
Net interest income	$515,000	11,370
Provision for loan and lease losses	$33,000	6,978
Total noninterest income	$84,000	10,651
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$51,000	9,212
Trading account gains and fees	NA	NA
Additional Noninterest Income	$33,000	10,076
Total noninterest expense	$590,000	10,611
Salaries and employee benefits	$263,000	11,062
Premises and equipment expense	$123,000	8,962
Additional noninterest expense	$204,000	10,364
Pre-tax net operating income	$-24,000	11,534
Securities gains (losses)	$0	3,831
Applicable income taxes	$-19,000	11,553
Income before extraordinary items	$-5,000	11,510
Extraordinary gains, net	$0	65
Net income	$-5,000	11,507
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	8,482
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$-5,000	11,479
1994-12-31 (YTD Data)		Rank
Total interest income	$732,000	12,159
Total interest expense	$305,000	12,020
Net interest income	$427,000	12,185
Provision for loan and lease losses	$0	9,146
Total noninterest income	$70,000	11,488
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$51,000	9,666
Trading account gains and fees	NA	NA
Additional Noninterest Income	$19,000	11,499
Total noninterest expense	$627,000	10,996
Salaries and employee benefits	$260,000	11,577
Premises and equipment expense	$125,000	9,244
Additional noninterest expense	$242,000	10,626
Pre-tax net operating income	$-130,000	12,217
Securities gains (losses)	$20,000	1,779
Applicable income taxes	$-40,000	12,183
Income before extraordinary items	$-70,000	12,130
Extraordinary gains, net	$0	249
Net income	$-70,000	12,131
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,921
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$-82,800	12,154
1993-12-31 (YTD Data)		Rank
Total interest income	$714,000	12,787
Total interest expense	$327,000	12,548
Net interest income	$387,000	12,843
Provision for loan and lease losses	$-19,000	12,575
Total noninterest income	$75,000	11,939
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$49,000	10,111
Trading account gains and fees	NA	NA
Additional Noninterest Income	$26,000	11,580
Total noninterest expense	$458,000	12,375
Salaries and employee benefits	$202,000	12,618
Premises and equipment expense	$99,000	10,473
Additional noninterest expense	$157,000	12,324
Pre-tax net operating income	$23,000	12,300
Securities gains (losses)	$0	7,477
Applicable income taxes	$8,000	11,870
Income before extraordinary items	$15,000	12,448
Extraordinary gains, net	$0	3,149
Net income	$15,000	12,471
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	9,922
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$15,000	12,313
1992-12-31 (YTD Data)		Rank
Total interest income	$875,000	13,236
Total interest expense	$363,000	13,319
Net interest income	$512,000	13,038
Provision for loan and lease losses	$0	11,756
Total noninterest income	$100,000	11,727
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$69,000	9,583
Trading account gains and fees	NA	NA
Additional Noninterest Income	$31,000	11,703
Total noninterest expense	$441,000	12,961
Salaries and employee benefits	$190,000	13,250
Premises and equipment expense	$72,000	11,802
Additional noninterest expense	$179,000	12,533
Pre-tax net operating income	$171,000	11,328
Securities gains (losses)	$64,000	3,722
Applicable income taxes	$69,000	10,752
Income before extraordinary items	$166,000	11,048
Extraordinary gains, net	$0	1,422
Net income	$166,000	11,142
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-7,000	12,654
Cash dividends	$361,000	3,568
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$120,560	11,353

* 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.