Home > Roig Commercial Bank > Income and Expense
Roig Commercial Bank, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $67,219,000 | 586 |
| Total interest expense | $32,675,000 | 575 |
| Net interest income | $34,544,000 | 589 |
| Provision for loan and lease losses | $3,180,000 | 440 |
| Total noninterest income | $6,155,000 | 837 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $4,059,000 | 371 |
| Trading account gains and fees | $153,000 | 166 |
| Additional Noninterest Income | $1,943,000 | 1,177 |
| Total noninterest expense | $31,040,000 | 549 |
| Salaries and employee benefits | $15,437,000 | 468 |
| Premises and equipment expense | $5,855,000 | 416 |
| Additional noninterest expense | $9,748,000 | 694 |
| Pre-tax net operating income | $6,479,000 | 1,136 |
| Securities gains (losses) | $553,000 | 396 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $7,032,000 | 774 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $7,032,000 | 775 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,641,000 | 488 |
| Cash dividends | $2,100,000 | 1,230 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $6,479,000 | 808 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $62,563,000 | 647 |
| Total interest expense | $31,009,000 | 632 |
| Net interest income | $31,554,000 | 651 |
| Provision for loan and lease losses | $1,006,000 | 935 |
| Total noninterest income | $5,176,000 | 940 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $3,101,000 | 478 |
| Trading account gains and fees | $454,000 | 185 |
| Additional Noninterest Income | $1,621,000 | 1,314 |
| Total noninterest expense | $29,152,000 | 589 |
| Salaries and employee benefits | $13,703,000 | 527 |
| Premises and equipment expense | $5,828,000 | 434 |
| Additional noninterest expense | $9,621,000 | 708 |
| Pre-tax net operating income | $6,572,000 | 1,172 |
| Securities gains (losses) | $1,129,000 | 206 |
| Applicable income taxes | $426,000 | 4,727 |
| Income before extraordinary items | $7,275,000 | 789 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $7,275,000 | 789 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,697,000 | 633 |
| Cash dividends | $1,950,000 | 1,271 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $6,213,740 | 875 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $55,870,000 | 641 |
| Total interest expense | $24,149,000 | 615 |
| Net interest income | $31,721,000 | 640 |
| Provision for loan and lease losses | $1,437,000 | 729 |
| Total noninterest income | $3,563,000 | 1,184 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $2,245,000 | 612 |
| Trading account gains and fees | $-24,000 | 4,831 |
| Additional Noninterest Income | $1,342,000 | 1,499 |
| Total noninterest expense | $27,068,000 | 636 |
| Salaries and employee benefits | $12,498,000 | 582 |
| Premises and equipment expense | $5,352,000 | 457 |
| Additional noninterest expense | $9,218,000 | 743 |
| Pre-tax net operating income | $6,779,000 | 1,120 |
| Securities gains (losses) | $836,000 | 189 |
| Applicable income taxes | $359,000 | 5,167 |
| Income before extraordinary items | $7,256,000 | 740 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $7,256,000 | 743 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $906,000 | 925 |
| Cash dividends | $1,860,000 | 1,190 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $6,461,800 | 815 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $53,052,000 | 661 |
| Total interest expense | $22,458,000 | 652 |
| Net interest income | $30,594,000 | 658 |
| Provision for loan and lease losses | $3,769,000 | 525 |
| Total noninterest income | $3,497,000 | 1,291 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $2,118,000 | 651 |
| Trading account gains and fees | $423,000 | 183 |
| Additional Noninterest Income | $956,000 | 2,094 |
| Total noninterest expense | $24,351,000 | 722 |
| Salaries and employee benefits | $10,221,000 | 699 |
| Premises and equipment expense | $4,951,000 | 499 |
| Additional noninterest expense | $9,179,000 | 813 |
| Pre-tax net operating income | $5,971,000 | 1,161 |
| Securities gains (losses) | $2,383,000 | 282 |
| Applicable income taxes | $1,150,000 | 1,989 |
| Income before extraordinary items | $7,204,000 | 726 |
| Extraordinary gains, net | $818,000 | 273 |
| Net income | $8,022,000 | 673 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,614,000 | 620 |
| Cash dividends | $1,920,000 | 1,066 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $5,154,620 | 940 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $54,786,000 | 714 |
| Total interest expense | $25,910,000 | 730 |
| Net interest income | $28,876,000 | 691 |
| Provision for loan and lease losses | $6,026,000 | 529 |
| Total noninterest income | $3,820,000 | 1,177 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $2,540,000 | 541 |
| Trading account gains and fees | $268,000 | 206 |
| Additional Noninterest Income | $1,012,000 | 1,985 |
| Total noninterest expense | $23,340,000 | 746 |
| Salaries and employee benefits | $10,204,000 | 694 |
| Premises and equipment expense | $4,713,000 | 536 |
| Additional noninterest expense | $8,423,000 | 885 |
| Pre-tax net operating income | $3,330,000 | 1,858 |
| Securities gains (losses) | $2,835,000 | 323 |
| Applicable income taxes | $1,094,000 | 1,947 |
| Income before extraordinary items | $5,071,000 | 937 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $5,071,000 | 940 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,895,000 | 470 |
| Cash dividends | $1,440,000 | 1,140 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,746,300 | 1,550 |
* 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.