Home > Royal Thrift & Loan Company > Income and Expense
Royal Thrift & Loan Company, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $815,000 | 10,011 |
| Total interest expense | $26,000 | 10,375 |
| Net interest income | $789,000 | 9,281 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $509,000 | 4,881 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,085 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $509,000 | 2,953 |
| Total noninterest expense | $1,457,000 | 6,806 |
| Salaries and employee benefits | $669,000 | 7,375 |
| Premises and equipment expense | $175,000 | 7,150 |
| Additional noninterest expense | $613,000 | 5,665 |
| Pre-tax net operating income | $-159,000 | 9,968 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-159,000 | 10,016 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-159,000 | 10,012 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $352,000 | 1,656 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-159,000 | 9,981 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,670,000 | 8,169 |
| Total interest expense | $935,000 | 8,863 |
| Net interest income | $1,735,000 | 7,473 |
| Provision for loan and lease losses | $85,000 | 5,536 |
| Total noninterest income | $1,702,000 | 2,005 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,486 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,702,000 | 1,221 |
| Total noninterest expense | $3,805,000 | 3,323 |
| Salaries and employee benefits | $1,359,000 | 4,615 |
| Premises and equipment expense | $636,000 | 2,991 |
| Additional noninterest expense | $1,820,000 | 2,288 |
| Pre-tax net operating income | $-453,000 | 10,726 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $208,000 | 6,773 |
| Income before extraordinary items | $-661,000 | 10,799 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-661,000 | 10,798 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $457,000 | 1,441 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-661,000 | 10,785 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,756,000 | 6,150 |
| Total interest expense | $2,412,000 | 5,656 |
| Net interest income | $2,344,000 | 6,488 |
| Provision for loan and lease losses | $411,000 | 2,038 |
| Total noninterest income | $8,229,000 | 671 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,915 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $8,229,000 | 481 |
| Total noninterest expense | $11,691,000 | 1,231 |
| Salaries and employee benefits | $5,902,000 | 1,138 |
| Premises and equipment expense | $1,267,000 | 1,612 |
| Additional noninterest expense | $4,522,000 | 1,235 |
| Pre-tax net operating income | $-1,529,000 | 11,386 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $-326,000 | 11,318 |
| Income before extraordinary items | $-1,203,000 | 11,382 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-1,203,000 | 11,382 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $955,000 | 929 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-1,203,000 | 11,365 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,125,000 | 4,481 |
| Total interest expense | $3,309,000 | 4,359 |
| Net interest income | $3,816,000 | 4,487 |
| Provision for loan and lease losses | $2,648,000 | 486 |
| Total noninterest income | $15,557,000 | 470 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 10,339 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $15,557,000 | 336 |
| Total noninterest expense | $15,482,000 | 982 |
| Salaries and employee benefits | $9,183,000 | 767 |
| Premises and equipment expense | $1,282,000 | 1,582 |
| Additional noninterest expense | $5,017,000 | 1,121 |
| Pre-tax net operating income | $1,243,000 | 5,139 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $505,000 | 4,164 |
| Income before extraordinary items | $738,000 | 5,772 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $738,000 | 5,769 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,883,000 | 466 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $738,000 | 5,749 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,956,000 | 4,246 |
| Total interest expense | $2,673,000 | 4,372 |
| Net interest income | $4,283,000 | 4,104 |
| Provision for loan and lease losses | $1,967,000 | 595 |
| Total noninterest income | $7,679,000 | 699 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 10,872 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $7,679,000 | 485 |
| Total noninterest expense | $10,484,000 | 1,391 |
| Salaries and employee benefits | $6,036,000 | 1,117 |
| Premises and equipment expense | $578,000 | 3,382 |
| Additional noninterest expense | $3,870,000 | 1,446 |
| Pre-tax net operating income | $-489,000 | 12,380 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $-188,000 | 12,381 |
| Income before extraordinary items | $-301,000 | 12,280 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-301,000 | 12,278 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,263,000 | 757 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $-301,000 | 12,295 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,886,000 | 4,374 |
| Total interest expense | $2,643,000 | 4,586 |
| Net interest income | $4,243,000 | 4,170 |
| Provision for loan and lease losses | $2,180,000 | 764 |
| Total noninterest income | $3,742,000 | 1,224 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 11,351 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,742,000 | 833 |
| Total noninterest expense | $5,278,000 | 2,712 |
| Salaries and employee benefits | $2,749,000 | 2,421 |
| Premises and equipment expense | $299,000 | 5,874 |
| Additional noninterest expense | $2,230,000 | 2,483 |
| Pre-tax net operating income | $527,000 | 8,474 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $211,000 | 7,412 |
| Income before extraordinary items | $316,000 | 9,283 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $316,000 | 9,451 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,788,000 | 770 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $316,000 | 9,031 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,410,000 | 4,593 |
| Total interest expense | $2,969,000 | 5,209 |
| Net interest income | $4,441,000 | 4,048 |
| Provision for loan and lease losses | $957,000 | 1,896 |
| Total noninterest income | $1,002,000 | 3,315 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 11,764 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,002,000 | 1,998 |
| Total noninterest expense | $3,441,000 | 3,988 |
| Salaries and employee benefits | $1,797,000 | 3,561 |
| Premises and equipment expense | $318,000 | 5,731 |
| Additional noninterest expense | $1,326,000 | 3,975 |
| Pre-tax net operating income | $1,045,000 | 5,454 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $437,000 | 4,480 |
| Income before extraordinary items | $608,000 | 6,518 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $608,000 | 6,597 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $459,000 | 2,607 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $608,000 | 6,150 |
* 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.