Home > Royal Bank > Income and Expense
Royal Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,090,000 | 10,211 |
| Total interest expense | $411,000 | 10,317 |
| Net interest income | $679,000 | 9,995 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $86,000 | 9,650 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $64,000 | 8,050 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $22,000 | 9,735 |
| Total noninterest expense | $441,000 | 10,360 |
| Salaries and employee benefits | $222,000 | 10,432 |
| Premises and equipment expense | $47,000 | 10,270 |
| Additional noninterest expense | $172,000 | 9,757 |
| Pre-tax net operating income | $324,000 | 8,856 |
| Securities gains (losses) | $1,000 | 3,559 |
| Applicable income taxes | $118,000 | 8,120 |
| Income before extraordinary items | $207,000 | 9,094 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $207,000 | 9,097 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 9,915 |
| Cash dividends | $160,000 | 5,769 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $206,360 | 9,063 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,020,000 | 10,785 |
| Total interest expense | $390,000 | 10,898 |
| Net interest income | $630,000 | 10,573 |
| Provision for loan and lease losses | $11,000 | 8,496 |
| Total noninterest income | $88,000 | 10,121 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $63,000 | 8,465 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $25,000 | 10,117 |
| Total noninterest expense | $452,000 | 10,787 |
| Salaries and employee benefits | $227,000 | 10,863 |
| Premises and equipment expense | $56,000 | 10,464 |
| Additional noninterest expense | $169,000 | 10,316 |
| Pre-tax net operating income | $255,000 | 9,448 |
| Securities gains (losses) | $-2,000 | 9,485 |
| Applicable income taxes | $91,000 | 8,903 |
| Income before extraordinary items | $162,000 | 9,673 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $162,000 | 9,672 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,694 |
| Cash dividends | $145,000 | 6,112 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $163,280 | 9,609 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $960,000 | 11,351 |
| Total interest expense | $375,000 | 11,397 |
| Net interest income | $585,000 | 11,167 |
| Provision for loan and lease losses | $3,000 | 8,797 |
| Total noninterest income | $87,000 | 10,576 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $63,000 | 8,821 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $24,000 | 10,650 |
| Total noninterest expense | $440,000 | 11,288 |
| Salaries and employee benefits | $211,000 | 11,430 |
| Premises and equipment expense | $50,000 | 11,093 |
| Additional noninterest expense | $179,000 | 10,702 |
| Pre-tax net operating income | $229,000 | 10,271 |
| Securities gains (losses) | $-1,000 | 9,017 |
| Applicable income taxes | $81,000 | 9,559 |
| Income before extraordinary items | $147,000 | 10,491 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $147,000 | 10,495 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,657 |
| Cash dividends | $145,000 | 6,157 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $147,640 | 10,457 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $903,000 | 11,889 |
| Total interest expense | $318,000 | 11,966 |
| Net interest income | $585,000 | 11,759 |
| Provision for loan and lease losses | $5,000 | 8,812 |
| Total noninterest income | $94,000 | 10,886 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $61,000 | 9,316 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $33,000 | 10,596 |
| Total noninterest expense | $447,000 | 11,845 |
| Salaries and employee benefits | $204,000 | 12,048 |
| Premises and equipment expense | $58,000 | 11,368 |
| Additional noninterest expense | $185,000 | 11,337 |
| Pre-tax net operating income | $227,000 | 10,687 |
| Securities gains (losses) | $-3,000 | 9,178 |
| Applicable income taxes | $79,000 | 9,837 |
| Income before extraordinary items | $145,000 | 10,881 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $145,000 | 10,886 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 10,077 |
| Cash dividends | $145,000 | 6,196 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $146,950 | 10,914 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $924,000 | 12,455 |
| Total interest expense | $332,000 | 12,522 |
| Net interest income | $592,000 | 12,239 |
| Provision for loan and lease losses | $6,000 | 10,012 |
| Total noninterest income | $92,000 | 11,522 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $64,000 | 9,544 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $28,000 | 11,437 |
| Total noninterest expense | $409,000 | 12,611 |
| Salaries and employee benefits | $200,000 | 12,641 |
| Premises and equipment expense | $55,000 | 12,039 |
| Additional noninterest expense | $154,000 | 12,372 |
| Pre-tax net operating income | $269,000 | 10,474 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $96,000 | 9,830 |
| Income before extraordinary items | $173,000 | 10,948 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $173,000 | 11,047 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 9,293 |
| Cash dividends | $160,000 | 5,928 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $173,000 | 10,744 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,027,000 | 12,974 |
| Total interest expense | $420,000 | 13,110 |
| Net interest income | $607,000 | 12,687 |
| Provision for loan and lease losses | $6,000 | 11,435 |
| Total noninterest income | $82,000 | 12,225 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $59,000 | 9,957 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $23,000 | 12,330 |
| Total noninterest expense | $412,000 | 13,100 |
| Salaries and employee benefits | $187,000 | 13,277 |
| Premises and equipment expense | $57,000 | 12,412 |
| Additional noninterest expense | $168,000 | 12,683 |
| Pre-tax net operating income | $271,000 | 10,416 |
| Securities gains (losses) | $1,000 | 7,986 |
| Applicable income taxes | $99,000 | 9,950 |
| Income before extraordinary items | $173,000 | 10,950 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $173,000 | 11,040 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 10,059 |
| Cash dividends | $150,000 | 5,711 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $172,360 | 10,627 |
* 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.