Home > Royal Bank > Income and Expense
Royal Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,186,000 | 10,085 |
| Total interest expense | $544,000 | 9,988 |
| Net interest income | $642,000 | 10,088 |
| Provision for loan and lease losses | $7,000 | 8,548 |
| Total noninterest income | $84,000 | 9,686 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $54,000 | 8,315 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $30,000 | 9,328 |
| Total noninterest expense | $474,000 | 10,220 |
| Salaries and employee benefits | $202,000 | 10,529 |
| Premises and equipment expense | $69,000 | 9,733 |
| Additional noninterest expense | $203,000 | 9,373 |
| Pre-tax net operating income | $245,000 | 9,318 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $92,000 | 8,530 |
| Income before extraordinary items | $153,000 | 9,551 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $153,000 | 9,554 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,835 |
| Cash dividends | $150,000 | 5,875 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $153,000 | 9,516 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,188,000 | 10,536 |
| Total interest expense | $546,000 | 10,457 |
| Net interest income | $642,000 | 10,539 |
| Provision for loan and lease losses | $6,000 | 8,753 |
| Total noninterest income | $88,000 | 10,121 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $52,000 | 8,785 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $36,000 | 9,538 |
| Total noninterest expense | $462,000 | 10,741 |
| Salaries and employee benefits | $196,000 | 11,031 |
| Premises and equipment expense | $58,000 | 10,410 |
| Additional noninterest expense | $208,000 | 9,854 |
| Pre-tax net operating income | $262,000 | 9,388 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $96,000 | 8,811 |
| Income before extraordinary items | $166,000 | 9,639 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $166,000 | 9,639 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,441 |
| Cash dividends | $150,000 | 5,964 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $166,000 | 9,578 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,131,000 | 11,071 |
| Total interest expense | $509,000 | 10,981 |
| Net interest income | $622,000 | 11,065 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $81,000 | 10,708 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $47,000 | 9,337 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $34,000 | 10,029 |
| Total noninterest expense | $462,000 | 11,185 |
| Salaries and employee benefits | $181,000 | 11,592 |
| Premises and equipment expense | $56,000 | 10,906 |
| Additional noninterest expense | $225,000 | 10,129 |
| Pre-tax net operating income | $241,000 | 10,186 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $77,000 | 9,650 |
| Income before extraordinary items | $164,000 | 10,321 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $164,000 | 10,324 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 4,995 |
| Cash dividends | $115,000 | 6,563 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $164,000 | 10,303 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $965,000 | 11,774 |
| Total interest expense | $412,000 | 11,521 |
| Net interest income | $553,000 | 11,849 |
| Provision for loan and lease losses | $40,000 | 6,585 |
| Total noninterest income | $114,000 | 10,428 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $47,000 | 9,795 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $67,000 | 8,779 |
| Total noninterest expense | $378,000 | 12,125 |
| Salaries and employee benefits | $184,000 | 12,177 |
| Premises and equipment expense | $67,000 | 11,063 |
| Additional noninterest expense | $127,000 | 12,062 |
| Pre-tax net operating income | $249,000 | 10,497 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $91,000 | 9,562 |
| Income before extraordinary items | $158,000 | 10,719 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $158,000 | 10,723 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,693 |
| Cash dividends | $140,000 | 6,251 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $158,000 | 10,767 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,014,000 | 12,258 |
| Total interest expense | $427,000 | 12,093 |
| Net interest income | $587,000 | 12,264 |
| Provision for loan and lease losses | $13,000 | 9,510 |
| Total noninterest income | $103,000 | 11,256 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $49,000 | 10,111 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $54,000 | 9,868 |
| Total noninterest expense | $389,000 | 12,693 |
| Salaries and employee benefits | $199,000 | 12,651 |
| Premises and equipment expense | $63,000 | 11,742 |
| Additional noninterest expense | $127,000 | 12,689 |
| Pre-tax net operating income | $288,000 | 10,330 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $139,000 | 8,881 |
| Income before extraordinary items | $149,000 | 11,219 |
| Extraordinary gains, net | $-29,000 | 12,546 |
| Net income | $120,000 | 11,622 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 11,387 |
| Cash dividends | $65,000 | 7,609 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $149,000 | 11,008 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,094,000 | 12,854 |
| Total interest expense | $514,000 | 12,703 |
| Net interest income | $580,000 | 12,797 |
| Provision for loan and lease losses | $46,000 | 9,271 |
| Total noninterest income | $67,000 | 12,655 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $52,000 | 10,228 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $15,000 | 12,987 |
| Total noninterest expense | $404,000 | 13,149 |
| Salaries and employee benefits | $196,000 | 13,200 |
| Premises and equipment expense | $59,000 | 12,326 |
| Additional noninterest expense | $149,000 | 12,968 |
| Pre-tax net operating income | $197,000 | 11,096 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $18,000 | 12,166 |
| 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 | $21,000 | 9,043 |
| Cash dividends | $25,000 | 8,340 |
| 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.