Home > Roseville Community Bank > Income and Expense
Roseville Community Bank, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,036,000 | 7,495 |
| Total interest expense | $1,147,000 | 8,035 |
| Net interest income | $1,889,000 | 6,879 |
| Provision for loan and lease losses | $47,000 | 6,746 |
| Total noninterest income | $356,000 | 5,951 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $154,000 | 5,859 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $202,000 | 4,928 |
| Total noninterest expense | $1,593,000 | 6,444 |
| Salaries and employee benefits | $859,000 | 6,417 |
| Premises and equipment expense | $375,000 | 4,654 |
| Additional noninterest expense | $359,000 | 7,584 |
| Pre-tax net operating income | $605,000 | 6,885 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $238,000 | 5,762 |
| Income before extraordinary items | $367,000 | 7,436 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $367,000 | 7,435 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,392 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $367,000 | 7,354 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,587,000 | 8,262 |
| Total interest expense | $960,000 | 8,807 |
| Net interest income | $1,627,000 | 7,715 |
| Provision for loan and lease losses | $45,000 | 6,862 |
| Total noninterest income | $247,000 | 7,250 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $131,000 | 6,543 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $116,000 | 6,369 |
| Total noninterest expense | $1,463,000 | 6,886 |
| Salaries and employee benefits | $804,000 | 6,759 |
| Premises and equipment expense | $354,000 | 4,848 |
| Additional noninterest expense | $305,000 | 8,266 |
| Pre-tax net operating income | $366,000 | 8,636 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $63,000 | 9,033 |
| Income before extraordinary items | $303,000 | 8,350 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $303,000 | 8,352 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,572 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $303,000 | 8,306 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,284,000 | 8,994 |
| Total interest expense | $871,000 | 9,407 |
| Net interest income | $1,413,000 | 8,481 |
| Provision for loan and lease losses | $21,000 | 7,918 |
| Total noninterest income | $180,000 | 8,532 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $113,000 | 7,223 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $67,000 | 8,207 |
| Total noninterest expense | $1,353,000 | 7,507 |
| Salaries and employee benefits | $748,000 | 7,259 |
| Premises and equipment expense | $335,000 | 5,166 |
| Additional noninterest expense | $270,000 | 9,187 |
| Pre-tax net operating income | $219,000 | 9,672 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $82,000 | 9,093 |
| Income before extraordinary items | $137,000 | 9,916 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $137,000 | 9,915 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 6,503 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $137,000 | 9,862 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,968,000 | 9,765 |
| Total interest expense | $749,000 | 10,124 |
| Net interest income | $1,219,000 | 9,279 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $191,000 | 8,570 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $111,000 | 7,521 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $80,000 | 7,955 |
| Total noninterest expense | $1,205,000 | 8,189 |
| Salaries and employee benefits | $622,000 | 8,230 |
| Premises and equipment expense | $318,000 | 5,389 |
| Additional noninterest expense | $265,000 | 9,665 |
| Pre-tax net operating income | $205,000 | 10,432 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $-49,000 | 11,637 |
| Income before extraordinary items | $254,000 | 9,378 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $254,000 | 9,381 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $254,000 | 9,352 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,739,000 | 10,288 |
| Total interest expense | $536,000 | 10,931 |
| Net interest income | $1,203,000 | 9,758 |
| Provision for loan and lease losses | $50,000 | 6,087 |
| Total noninterest income | $220,000 | 8,385 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $121,000 | 7,558 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $99,000 | 7,543 |
| Total noninterest expense | $1,320,000 | 8,171 |
| Salaries and employee benefits | $680,000 | 8,027 |
| Premises and equipment expense | $323,000 | 5,394 |
| Additional noninterest expense | $317,000 | 9,750 |
| Pre-tax net operating income | $53,000 | 11,898 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $-42,000 | 12,188 |
| Income before extraordinary items | $95,000 | 11,429 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $95,000 | 11,434 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 7,270 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $95,000 | 11,472 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,715,000 | 10,773 |
| Total interest expense | $615,000 | 11,050 |
| Net interest income | $1,100,000 | 10,411 |
| Provision for loan and lease losses | $206,000 | 3,844 |
| Total noninterest income | $230,000 | 8,706 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $119,000 | 7,868 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $111,000 | 7,550 |
| Total noninterest expense | $1,286,000 | 8,561 |
| Salaries and employee benefits | $612,000 | 8,702 |
| Premises and equipment expense | $310,000 | 5,690 |
| Additional noninterest expense | $364,000 | 9,674 |
| Pre-tax net operating income | $-162,000 | 12,664 |
| Securities gains (losses) | $-2,000 | 12,373 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $-164,000 | 12,725 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-164,000 | 12,739 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $168,000 | 3,470 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-162,000 | 12,642 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,562,000 | 11,817 |
| Total interest expense | $684,000 | 11,900 |
| Net interest income | $878,000 | 11,601 |
| Provision for loan and lease losses | $33,000 | 9,854 |
| Total noninterest income | $150,000 | 10,494 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $93,000 | 8,723 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $57,000 | 9,979 |
| Total noninterest expense | $970,000 | 10,115 |
| Salaries and employee benefits | $513,000 | 9,651 |
| Premises and equipment expense | $216,000 | 7,482 |
| Additional noninterest expense | $241,000 | 11,657 |
| Pre-tax net operating income | $25,000 | 12,567 |
| Securities gains (losses) | $4,000 | 7,235 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $29,000 | 12,714 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $29,000 | 12,709 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 8,793 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $156,000 | 766 |
| Net operating income | $25,000 | 12,508 |
* 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.