Home > Royal Oak Savings Bank, F.S.B. > Income and Expense
Royal Oak Savings Bank, F.S.B., Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,641,000 | 7,377 |
| Total interest expense | $2,222,000 | 6,043 |
| Net interest income | $1,419,000 | 8,742 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $195,000 | 8,512 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $195,000 | 5,205 |
| Total noninterest expense | $1,375,000 | 7,662 |
| Salaries and employee benefits | $619,000 | 8,248 |
| Premises and equipment expense | $245,000 | 6,430 |
| Additional noninterest expense | $511,000 | 7,168 |
| Pre-tax net operating income | $239,000 | 10,200 |
| Securities gains (losses) | $15,000 | 2,090 |
| Applicable income taxes | $103,000 | 9,125 |
| Income before extraordinary items | $151,000 | 10,455 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $151,000 | 10,459 |
| 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 | NA | NA |
| Net operating income | $141,400 | 10,512 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,470,000 | 7,371 |
| Total interest expense | $1,799,000 | 6,079 |
| Net interest income | $1,671,000 | 8,382 |
| Provision for loan and lease losses | $45,000 | 6,361 |
| Total noninterest income | $141,000 | 9,885 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $141,000 | 6,387 |
| Total noninterest expense | $1,296,000 | 8,261 |
| Salaries and employee benefits | $662,000 | 8,177 |
| Premises and equipment expense | $216,000 | 7,121 |
| Additional noninterest expense | $418,000 | 8,640 |
| Pre-tax net operating income | $471,000 | 8,852 |
| Securities gains (losses) | $104,000 | 759 |
| Applicable income taxes | $185,000 | 7,611 |
| Income before extraordinary items | $390,000 | 8,279 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $390,000 | 8,281 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 5,491 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $319,280 | 9,006 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,484,000 | 7,557 |
| Total interest expense | $1,845,000 | 6,225 |
| Net interest income | $1,639,000 | 8,680 |
| Provision for loan and lease losses | $68,000 | 6,717 |
| Total noninterest income | $212,000 | 8,992 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $212,000 | 5,484 |
| Total noninterest expense | $1,268,000 | 8,628 |
| Salaries and employee benefits | $644,000 | 8,441 |
| Premises and equipment expense | $222,000 | 7,249 |
| Additional noninterest expense | $402,000 | 9,251 |
| Pre-tax net operating income | $515,000 | 8,564 |
| Securities gains (losses) | $229,000 | 1,535 |
| Applicable income taxes | $244,000 | 6,893 |
| Income before extraordinary items | $500,000 | 7,562 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $500,000 | 7,749 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $250,000 | 4,831 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $346,570 | 8,714 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,246,000 | 7,186 |
| Total interest expense | $2,516,000 | 5,966 |
| Net interest income | $1,730,000 | 8,562 |
| Provision for loan and lease losses | $65,000 | 8,399 |
| Total noninterest income | $129,000 | 10,953 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $129,000 | 7,194 |
| Total noninterest expense | $1,292,000 | 8,688 |
| Salaries and employee benefits | $580,000 | 8,993 |
| Premises and equipment expense | $239,000 | 6,988 |
| Additional noninterest expense | $473,000 | 8,717 |
| Pre-tax net operating income | $502,000 | 8,399 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $162,000 | 8,337 |
| Income before extraordinary items | $340,000 | 8,821 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $340,000 | 8,962 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $340,000 | 8,456 |
* 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.