Home > Ruidoso State Bank > Income and Expense
Ruidoso State Bank, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,890,000 | 4,178 |
| Total interest expense | $3,103,000 | 4,794 |
| Net interest income | $4,787,000 | 3,610 |
| Provision for loan and lease losses | $83,000 | 5,704 |
| Total noninterest income | $940,000 | 3,273 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $440,000 | 3,007 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $500,000 | 2,949 |
| Total noninterest expense | $3,380,000 | 3,834 |
| Salaries and employee benefits | $1,577,000 | 4,187 |
| Premises and equipment expense | $559,000 | 3,466 |
| Additional noninterest expense | $1,244,000 | 3,314 |
| Pre-tax net operating income | $2,264,000 | 3,021 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $699,000 | 2,788 |
| Income before extraordinary items | $1,565,000 | 3,147 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,565,000 | 3,145 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 4,757 |
| Cash dividends | $641,000 | 3,083 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,565,000 | 3,146 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,722,000 | 4,557 |
| Total interest expense | $2,428,000 | 5,289 |
| Net interest income | $4,294,000 | 3,933 |
| Provision for loan and lease losses | $42,000 | 6,798 |
| Total noninterest income | $957,000 | 3,194 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $404,000 | 3,193 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $553,000 | 2,765 |
| Total noninterest expense | $3,355,000 | 3,842 |
| Salaries and employee benefits | $1,621,000 | 4,078 |
| Premises and equipment expense | $587,000 | 3,326 |
| Additional noninterest expense | $1,147,000 | 3,584 |
| Pre-tax net operating income | $1,854,000 | 3,533 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $534,000 | 3,490 |
| Income before extraordinary items | $1,320,000 | 3,597 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,320,000 | 3,597 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 5,628 |
| Cash dividends | $548,000 | 3,345 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,320,000 | 3,558 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,719,000 | 5,172 |
| Total interest expense | $1,942,000 | 6,291 |
| Net interest income | $3,777,000 | 4,320 |
| Provision for loan and lease losses | $60,000 | 6,123 |
| Total noninterest income | $927,000 | 3,254 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $400,000 | 3,134 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $527,000 | 2,884 |
| Total noninterest expense | $3,306,000 | 3,788 |
| Salaries and employee benefits | $1,406,000 | 4,486 |
| Premises and equipment expense | $534,000 | 3,514 |
| Additional noninterest expense | $1,366,000 | 3,015 |
| Pre-tax net operating income | $1,338,000 | 4,533 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $170,000 | 6,583 |
| Income before extraordinary items | $1,168,000 | 4,022 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,168,000 | 4,021 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-44,000 | 10,074 |
| Cash dividends | $674,000 | 2,922 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,168,000 | 3,925 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,865,000 | 5,909 |
| Total interest expense | $1,726,000 | 6,832 |
| Net interest income | $3,139,000 | 5,115 |
| Provision for loan and lease losses | $65,000 | 6,037 |
| Total noninterest income | $973,000 | 3,099 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $408,000 | 3,167 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $565,000 | 2,601 |
| Total noninterest expense | $3,171,000 | 3,921 |
| Salaries and employee benefits | $1,250,000 | 4,930 |
| Premises and equipment expense | $577,000 | 3,263 |
| Additional noninterest expense | $1,344,000 | 3,014 |
| Pre-tax net operating income | $876,000 | 6,227 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $876,000 | 5,140 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $876,000 | 5,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,408 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $876,000 | 5,091 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,266,000 | 6,615 |
| Total interest expense | $1,523,000 | 7,519 |
| Net interest income | $2,743,000 | 5,814 |
| Provision for loan and lease losses | $11,000 | 8,496 |
| Total noninterest income | $839,000 | 3,573 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $409,000 | 3,280 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $430,000 | 3,239 |
| Total noninterest expense | $3,132,000 | 4,165 |
| Salaries and employee benefits | $1,173,000 | 5,308 |
| Premises and equipment expense | $513,000 | 3,701 |
| Additional noninterest expense | $1,446,000 | 3,221 |
| Pre-tax net operating income | $439,000 | 8,285 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $439,000 | 7,320 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $439,000 | 7,322 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 4,754 |
| Cash dividends | $192,000 | 5,580 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $439,000 | 7,269 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,059,000 | 6,915 |
| Total interest expense | $1,317,000 | 8,223 |
| Net interest income | $2,742,000 | 5,903 |
| Provision for loan and lease losses | $90,000 | 4,814 |
| Total noninterest income | $1,009,000 | 3,078 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $420,000 | 3,204 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $589,000 | 2,567 |
| Total noninterest expense | $3,276,000 | 3,977 |
| Salaries and employee benefits | $1,165,000 | 5,351 |
| Premises and equipment expense | $469,000 | 3,959 |
| Additional noninterest expense | $1,642,000 | 2,826 |
| Pre-tax net operating income | $385,000 | 9,162 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $0 | 11,151 |
| Income before extraordinary items | $385,000 | 8,196 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $385,000 | 8,196 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $238,000 | 2,244 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $385,000 | 8,165 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,770,000 | 6,973 |
| Total interest expense | $1,233,000 | 7,775 |
| Net interest income | $2,537,000 | 6,400 |
| Provision for loan and lease losses | $15,000 | 8,073 |
| Total noninterest income | $855,000 | 3,502 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $401,000 | 3,366 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $454,000 | 3,149 |
| Total noninterest expense | $2,918,000 | 4,520 |
| Salaries and employee benefits | $1,099,000 | 5,652 |
| Premises and equipment expense | $379,000 | 4,801 |
| Additional noninterest expense | $1,440,000 | 3,440 |
| Pre-tax net operating income | $459,000 | 8,925 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $178,000 | 7,747 |
| Income before extraordinary items | $281,000 | 9,360 |
| Extraordinary gains, net | $178,000 | 72 |
| Net income | $459,000 | 7,631 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 4,022 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $281,000 | 9,418 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,146,000 | 6,701 |
| Total interest expense | $1,477,000 | 7,286 |
| Net interest income | $2,669,000 | 6,221 |
| Provision for loan and lease losses | $165,000 | 4,400 |
| Total noninterest income | $503,000 | 5,570 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $380,000 | 3,617 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $123,000 | 7,223 |
| Total noninterest expense | $3,026,000 | 4,473 |
| Salaries and employee benefits | $1,134,000 | 5,493 |
| Premises and equipment expense | $626,000 | 3,193 |
| Additional noninterest expense | $1,266,000 | 4,002 |
| Pre-tax net operating income | $-19,000 | 12,491 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $-19,000 | 12,573 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-19,000 | 12,600 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $252,000 | 2,727 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-19,000 | 12,451 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,648,000 | 6,728 |
| Total interest expense | $1,997,000 | 7,114 |
| Net interest income | $2,651,000 | 6,313 |
| Provision for loan and lease losses | $160,000 | 5,897 |
| Total noninterest income | $1,271,000 | 2,732 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $402,000 | 3,469 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $869,000 | 2,190 |
| Total noninterest expense | $3,463,000 | 3,968 |
| Salaries and employee benefits | $1,202,000 | 5,151 |
| Premises and equipment expense | $550,000 | 3,650 |
| Additional noninterest expense | $1,711,000 | 3,195 |
| Pre-tax net operating income | $299,000 | 10,149 |
| Securities gains (losses) | $126,000 | 2,643 |
| Applicable income taxes | $127,000 | 9,192 |
| Income before extraordinary items | $298,000 | 9,359 |
| Extraordinary gains, net | $127,000 | 625 |
| Net income | $425,000 | 8,095 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $210,000 | 4,083 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $209,800 | 10,121 |
* 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.