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Roseville 1st National Bank, Income and Expense

1999-12-31 (YTD Data)Rank
Total interest income$4,541,0005,899
Total interest expense$1,858,0006,251
Net interest income$2,683,0005,557
Provision for loan and lease losses$130,0004,573
Total noninterest income$383,0005,755
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$90,0006,921
Trading account gains and feesNANA
Additional Noninterest Income$293,0004,069
Total noninterest expense$1,916,0005,841
Salaries and employee benefits$886,0006,374
Premises and equipment expense$256,0005,957
Additional noninterest expense$774,0004,913
Pre-tax net operating income$1,020,0005,250
Securities gains (losses)$-1,0008,592
Applicable income taxes$404,0004,134
Income before extraordinary items$615,0005,828
Extraordinary gains, net$035
Net income$615,0005,825
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,0007,495
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$615,6405,797
1998-12-31 (YTD Data)Rank
Total interest income$4,022,0006,461
Total interest expense$1,751,0006,657
Net interest income$2,271,0006,180
Provision for loan and lease losses$146,0004,231
Total noninterest income$503,0004,910
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$72,0007,483
Trading account gains and feesNANA
Additional Noninterest Income$431,0003,271
Total noninterest expense$2,176,0005,271
Salaries and employee benefits$991,0005,829
Premises and equipment expense$326,0005,117
Additional noninterest expense$859,0004,447
Pre-tax net operating income$452,0007,618
Securities gains (losses)$8,0003,124
Applicable income taxes$184,0006,363
Income before extraordinary items$276,0008,067
Extraordinary gains, net$032
Net income$276,0008,066
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$541,0001,187
Cash dividends$56,0006,802
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$270,8808,029
1997-12-31 (YTD Data)Rank
Total interest income$3,922,0006,727
Total interest expense$1,660,0006,981
Net interest income$2,262,0006,425
Provision for loan and lease losses$564,0001,624
Total noninterest income$283,0006,841
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$58,0008,201
Trading account gains and feesNANA
Additional Noninterest Income$225,0004,675
Total noninterest expense$1,666,0006,375
Salaries and employee benefits$858,0006,502
Premises and equipment expense$189,0007,042
Additional noninterest expense$619,0005,688
Pre-tax net operating income$315,0008,912
Securities gains (losses)$03,944
Applicable income taxes$133,0007,866
Income before extraordinary items$182,0009,319
Extraordinary gains, net$044
Net income$182,0009,321
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$94,0003,945
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$182,0009,276
1996-12-31 (YTD Data)Rank
Total interest income$3,028,0007,956
Total interest expense$1,330,0008,020
Net interest income$1,698,0007,780
Provision for loan and lease losses$89,0005,411
Total noninterest income$199,0008,236
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$33,0009,306
Trading account gains and feesNANA
Additional Noninterest Income$166,0005,678
Total noninterest expense$1,302,0007,659
Salaries and employee benefits$709,0007,469
Premises and equipment expense$153,0007,986
Additional noninterest expense$440,0007,546
Pre-tax net operating income$506,0007,902
Securities gains (losses)$04,148
Applicable income taxes$207,0007,036
Income before extraordinary items$299,0008,440
Extraordinary gains, net$053
Net income$299,0008,437
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$20,0006,733
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$3,000921
Net operating income$299,0008,380
1995-12-31 (YTD Data)Rank
Total interest income$2,664,0008,692
Total interest expense$1,283,0008,337
Net interest income$1,376,0008,856
Provision for loan and lease losses$55,0006,005
Total noninterest income$116,0009,937
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$20,00010,011
Trading account gains and feesNANA
Additional Noninterest Income$96,0007,354
Total noninterest expense$1,140,0008,427
Salaries and employee benefits$592,0008,410
Premises and equipment expense$151,0008,239
Additional noninterest expense$397,0008,224
Pre-tax net operating income$302,0009,725
Securities gains (losses)$03,831
Applicable income taxes$104,0009,095
Income before extraordinary items$198,0009,951
Extraordinary gains, net$065
Net income$198,0009,956
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$28,0006,109
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$198,0009,921
1994-12-31 (YTD Data)Rank
Total interest income$2,081,0009,648
Total interest expense$876,0009,233
Net interest income$1,205,0009,753
Provision for loan and lease losses$50,0006,087
Total noninterest income$199,0008,753
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$9,00010,745
Trading account gains and feesNANA
Additional Noninterest Income$190,0005,443
Total noninterest expense$971,0009,475
Salaries and employee benefits$447,0009,856
Premises and equipment expense$155,0008,421
Additional noninterest expense$369,0009,130
Pre-tax net operating income$383,0009,490
Securities gains (losses)$03,600
Applicable income taxes$80,0009,807
Income before extraordinary items$303,0009,108
Extraordinary gains, net$0249
Net income$303,0009,112
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$29,0006,043
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$303,0009,183
1993-12-31 (YTD Data)Rank
Total interest income$1,674,00010,857
Total interest expense$708,00010,536
Net interest income$966,00010,901
Provision for loan and lease losses$23,0008,904
Total noninterest income$8,00013,181
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$2,00011,313
Trading account gains and feesNANA
Additional Noninterest Income$6,00012,981
Total noninterest expense$818,00010,580
Salaries and employee benefits$343,00011,219
Premises and equipment expense$145,0009,044
Additional noninterest expense$330,00010,071
Pre-tax net operating income$133,00011,609
Securities gains (losses)$-3,00012,455
Applicable income taxes$54,00010,851
Income before extraordinary items$76,00012,045
Extraordinary gains, net$03,149
Net income$76,00012,073
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$13,0008,297
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$77,92011,853
1992-12-31 (YTD Data)Rank
Total interest income$1,630,00011,654
Total interest expense$795,00011,357
Net interest income$835,00011,767
Provision for loan and lease losses$53,0008,929
Total noninterest income$60,00012,846
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$011,764
Trading account gains and feesNANA
Additional Noninterest Income$60,0009,797
Total noninterest expense$721,00011,407
Salaries and employee benefits$300,00012,009
Premises and equipment expense$119,00010,050
Additional noninterest expense$302,00010,797
Pre-tax net operating income$121,00011,796
Securities gains (losses)$-10,00013,291
Applicable income taxes$31,00011,785
Income before extraordinary items$80,00012,214
Extraordinary gains, net$581,000188
Net income$661,0006,233
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$36,0008,210
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$87,20011,818

* 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.