Home > Roseville State Bank > Income and Expense
Roseville State Bank, Income and Expense
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $195,000 | 12,558 |
| Total interest expense | $83,000 | 12,530 |
| Net interest income | $112,000 | 12,556 |
| Provision for loan and lease losses | $3,000 | 8,961 |
| Total noninterest income | $14,000 | 12,437 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $10,000 | 10,723 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,000 | 12,414 |
| Total noninterest expense | $97,000 | 12,583 |
| Salaries and employee benefits | $38,000 | 12,585 |
| Premises and equipment expense | $16,000 | 12,478 |
| Additional noninterest expense | $43,000 | 12,561 |
| Pre-tax net operating income | $26,000 | 12,003 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $10,000 | 11,373 |
| Income before extraordinary items | $16,000 | 11,982 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $16,000 | 11,982 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,875 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $16,000 | 12,016 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,167,000 | 11,952 |
| Total interest expense | $537,000 | 11,492 |
| Net interest income | $630,000 | 12,109 |
| Provision for loan and lease losses | $35,000 | 8,215 |
| Total noninterest income | $94,000 | 11,460 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $62,000 | 9,620 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $32,000 | 11,170 |
| Total noninterest expense | $475,000 | 12,291 |
| Salaries and employee benefits | $202,000 | 12,618 |
| Premises and equipment expense | $61,000 | 11,811 |
| Additional noninterest expense | $212,000 | 11,570 |
| Pre-tax net operating income | $214,000 | 10,920 |
| Securities gains (losses) | $24,000 | 4,420 |
| Applicable income taxes | $80,000 | 10,214 |
| Income before extraordinary items | $158,000 | 11,101 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $158,000 | 11,186 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 7,224 |
| Cash dividends | $143,000 | 6,223 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $142,160 | 11,095 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,332,000 | 12,328 |
| Total interest expense | $682,000 | 11,913 |
| Net interest income | $650,000 | 12,514 |
| Provision for loan and lease losses | $23,000 | 10,448 |
| Total noninterest income | $71,000 | 12,535 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $54,000 | 10,159 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 12,822 |
| Total noninterest expense | $449,000 | 12,902 |
| Salaries and employee benefits | $208,000 | 13,070 |
| Premises and equipment expense | $65,000 | 12,061 |
| Additional noninterest expense | $176,000 | 12,586 |
| Pre-tax net operating income | $249,000 | 10,613 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $70,000 | 10,722 |
| Income before extraordinary items | $179,000 | 10,881 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $179,000 | 10,978 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 13,003 |
| Cash dividends | $164,000 | 5,562 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $179,000 | 10,548 |
* 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.