Home > Rural American Bank-Montgomery/Lonsdale > Income and Expense

Rural American Bank-Montgomery/Lonsdale, Income and Expense

2004-09-30 (YTD Data)Rank
Total interest income$2,702,0005,879
Total interest expense$505,0006,678
Net interest income$2,197,0005,482
Provision for loan and lease losses$54,0005,285
Total noninterest income$434,0004,928
Gross Fiduciary activities income$01,547
Service charges on deposit accounts$257,0004,034
Trading account gains and fees$0134
Additional Noninterest Income$177,0004,755
Total noninterest expense$1,260,0006,528
Salaries and employee benefits$743,0006,276
Premises and equipment expense$168,0006,459
Additional noninterest expense$349,0006,731
Pre-tax net operating income$1,317,0003,914
Securities gains (losses)$11,0002,659
Applicable income taxes$496,0002,915
Income before extraordinary items$832,0004,509
Extraordinary gains, net$026
Net income$832,0004,510
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,0006,103
Cash dividends$883,0001,889
Sale, conversion, retirement of capital stock, net$0738
Net operating income$824,9604,459
2004-06-30 (YTD Data)Rank
Total interest income$1,783,0005,911
Total interest expense$344,0006,657
Net interest income$1,439,0005,528
Provision for loan and lease losses$35,0005,187
Total noninterest income$312,0004,730
Gross Fiduciary activities income$01,518
Service charges on deposit accounts$174,0003,999
Trading account gains and fees$0130
Additional Noninterest Income$138,0004,473
Total noninterest expense$846,0006,562
Salaries and employee benefits$506,0006,250
Premises and equipment expense$108,0006,605
Additional noninterest expense$232,0006,763
Pre-tax net operating income$870,0003,891
Securities gains (losses)$11,0002,367
Applicable income taxes$328,0002,918
Income before extraordinary items$553,0004,467
Extraordinary gains, net$021
Net income$553,0004,468
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,0005,680
Cash dividends$883,0001,423
Sale, conversion, retirement of capital stock, net$0638
Net operating income$545,9604,417
2004-03-31 (YTD Data)Rank
Total interest income$891,0005,948
Total interest expense$178,0006,648
Net interest income$713,0005,564
Provision for loan and lease losses$15,0005,048
Total noninterest income$140,0004,952
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$81,0004,084
Trading account gains and fees$0121
Additional Noninterest Income$59,0004,776
Total noninterest expense$414,0006,664
Salaries and employee benefits$244,0006,417
Premises and equipment expense$52,0006,694
Additional noninterest expense$118,0006,717
Pre-tax net operating income$424,0003,944
Securities gains (losses)$11,0002,005
Applicable income taxes$161,0002,965
Income before extraordinary items$274,0004,522
Extraordinary gains, net$016
Net income$274,0004,521
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-1,0006,968
Cash dividends$883,000754
Sale, conversion, retirement of capital stock, net$0464
Net operating income$266,9604,459
2003-12-31 (YTD Data)Rank
Total interest income$3,821,0005,795
Total interest expense$883,0006,456
Net interest income$2,938,0005,377
Provision for loan and lease losses$36,0006,612
Total noninterest income$456,0005,666
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$348,0003,965
Trading account gains and fees$0160
Additional Noninterest Income$108,0006,400
Total noninterest expense$1,622,0006,662
Salaries and employee benefits$984,0006,318
Premises and equipment expense$202,0006,750
Additional noninterest expense$436,0006,928
Pre-tax net operating income$1,736,0003,735
Securities gains (losses)$55,0002,425
Applicable income taxes$684,0002,841
Income before extraordinary items$1,107,0004,356
Extraordinary gains, net$054
Net income$1,107,0004,358
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$32,0005,630
Cash dividends$1,063,0002,223
Sale, conversion, retirement of capital stock, net$0868
Net operating income$1,071,8004,276
2003-09-30 (YTD Data)Rank
Total interest income$2,897,0005,833
Total interest expense$692,0006,490
Net interest income$2,205,0005,381
Provision for loan and lease losses$27,0006,482
Total noninterest income$337,0005,762
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$262,0003,968
Trading account gains and fees$0153
Additional Noninterest Income$75,0006,587
Total noninterest expense$1,228,0006,633
Salaries and employee benefits$753,0006,223
Premises and equipment expense$154,0006,717
Additional noninterest expense$321,0006,964
Pre-tax net operating income$1,287,0003,882
Securities gains (losses)$55,0002,240
Applicable income taxes$516,0002,971
Income before extraordinary items$826,0004,510
Extraordinary gains, net$040
Net income$826,0004,510
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$12,0005,833
Cash dividends$1,063,0001,666
Sale, conversion, retirement of capital stock, net$0722
Net operating income$790,8004,455
2003-06-30 (YTD Data)Rank
Total interest income$1,960,0005,816
Total interest expense$483,0006,492
Net interest income$1,477,0005,377
Provision for loan and lease losses$26,0006,061
Total noninterest income$228,0005,693
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$180,0003,860
Trading account gains and fees$0150
Additional Noninterest Income$48,0006,645
Total noninterest expense$826,0006,608
Salaries and employee benefits$511,0006,180
Premises and equipment expense$105,0006,641
Additional noninterest expense$210,0007,008
Pre-tax net operating income$853,0003,888
Securities gains (losses)$55,0001,944
Applicable income taxes$348,0002,960
Income before extraordinary items$560,0004,486
Extraordinary gains, net$030
Net income$560,0004,485
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$5,0005,737
Cash dividends$1,063,0001,233
Sale, conversion, retirement of capital stock, net$0589
Net operating income$524,8004,466
2003-03-31 (YTD Data)Rank
Total interest income$990,0005,811
Total interest expense$248,0006,516
Net interest income$742,0005,353
Provision for loan and lease losses$23,0005,064
Total noninterest income$113,0005,598
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$87,0003,880
Trading account gains and fees$0134
Additional Noninterest Income$26,0006,499
Total noninterest expense$410,0006,633
Salaries and employee benefits$260,0006,116
Premises and equipment expense$48,0006,893
Additional noninterest expense$102,0007,099
Pre-tax net operating income$422,0003,913
Securities gains (losses)$55,0001,335
Applicable income taxes$181,0002,875
Income before extraordinary items$296,0004,285
Extraordinary gains, net$021
Net income$296,0004,283
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,539
Cash dividends$1,063,000661
Sale, conversion, retirement of capital stock, net$0419
Net operating income$260,8004,401
2002-12-31 (YTD Data)Rank
Total interest income$4,199,0005,756
Total interest expense$1,201,0006,418
Net interest income$2,998,0005,284
Provision for loan and lease losses$30,0007,191
Total noninterest income$395,0005,814
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$301,0004,231
Trading account gains and fees$0153
Additional Noninterest Income$94,0006,565
Total noninterest expense$1,552,0006,743
Salaries and employee benefits$922,0006,432
Premises and equipment expense$210,0006,659
Additional noninterest expense$420,0007,011
Pre-tax net operating income$1,811,0003,646
Securities gains (losses)$52,0002,371
Applicable income taxes$716,0002,800
Income before extraordinary items$1,147,0004,203
Extraordinary gains, net$070
Net income$1,147,0004,204
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$11,0006,791
Cash dividends$549,0003,305
Sale, conversion, retirement of capital stock, net$0862
Net operating income$1,113,7204,183
2001-12-31 (YTD Data)Rank
Total interest income$4,641,0005,862
Total interest expense$1,946,0006,178
Net interest income$2,695,0005,461
Provision for loan and lease losses$72,0006,148
Total noninterest income$372,0005,874
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$250,0004,642
Trading account gains and fees$0177
Additional Noninterest Income$122,0005,970
Total noninterest expense$1,661,0006,427
Salaries and employee benefits$821,0006,692
Premises and equipment expense$239,0006,220
Additional noninterest expense$601,0005,832
Pre-tax net operating income$1,334,0004,157
Securities gains (losses)$2,0004,242
Applicable income taxes$565,0003,081
Income before extraordinary items$771,0004,963
Extraordinary gains, net$0105
Net income$771,0004,966
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$31,0005,793
Cash dividends$1,530,0001,628
Sale, conversion, retirement of capital stock, net$0922
Net operating income$769,7204,856
2000-12-31 (YTD Data)Rank
Total interest income$4,647,0005,983
Total interest expense$2,051,0006,193
Net interest income$2,596,0005,669
Provision for loan and lease losses$25,0007,386
Total noninterest income$377,0005,705
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$257,0004,446
Trading account gains and feesNANA
Additional Noninterest Income$120,0005,988
Total noninterest expense$1,686,0006,298
Salaries and employee benefits$812,0006,673
Premises and equipment expense$253,0006,005
Additional noninterest expense$621,0005,646
Pre-tax net operating income$1,262,0004,595
Securities gains (losses)$-4,0007,844
Applicable income taxes$527,0003,367
Income before extraordinary items$731,0005,302
Extraordinary gains, net$038
Net income$731,0005,301
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$164,0002,724
Cash dividends$812,0002,633
Sale, conversion, retirement of capital stock, net$0969
Net operating income$733,5605,298
1999-12-31 (YTD Data)Rank
Total interest income$4,706,0005,783
Total interest expense$1,940,0006,101
Net interest income$2,766,0005,471
Provision for loan and lease losses$08,503
Total noninterest income$449,0005,282
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$243,0004,602
Trading account gains and feesNANA
Additional Noninterest Income$206,0004,869
Total noninterest expense$1,900,0005,863
Salaries and employee benefits$908,0006,262
Premises and equipment expense$254,0005,977
Additional noninterest expense$738,0005,064
Pre-tax net operating income$1,315,0004,482
Securities gains (losses)$03,155
Applicable income taxes$503,0003,624
Income before extraordinary items$812,0005,049
Extraordinary gains, net$035
Net income$812,0005,048
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$152,0002,829
Cash dividends$1,800,0001,477
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$812,0005,013
1998-12-31 (YTD Data)Rank
Total interest income$2,251,0008,379
Total interest expense$919,0008,638
Net interest income$1,332,0008,045
Provision for loan and lease losses$08,652
Total noninterest income$117,0008,744
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$78,0007,338
Trading account gains and feesNANA
Additional Noninterest Income$39,0008,570
Total noninterest expense$754,0008,924
Salaries and employee benefits$412,0008,897
Premises and equipment expense$90,0008,926
Additional noninterest expense$252,0008,587
Pre-tax net operating income$695,0006,501
Securities gains (losses)$1,0004,151
Applicable income taxes$278,0005,387
Income before extraordinary items$418,0007,102
Extraordinary gains, net$032
Net income$418,0007,100
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,0007,985
Cash dividends$420,0003,886
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$417,3607,015
1997-12-31 (YTD Data)Rank
Total interest income$2,172,0008,820
Total interest expense$952,0008,824
Net interest income$1,220,0008,641
Provision for loan and lease losses$08,829
Total noninterest income$202,0007,815
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$79,0007,677
Trading account gains and feesNANA
Additional Noninterest Income$123,0006,211
Total noninterest expense$732,0009,290
Salaries and employee benefits$458,0008,899
Premises and equipment expense$85,0009,322
Additional noninterest expense$189,0009,552
Pre-tax net operating income$690,0007,013
Securities gains (losses)$3,0003,097
Applicable income taxes$273,0005,995
Income before extraordinary items$420,0007,512
Extraordinary gains, net$044
Net income$420,0007,515
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$56,0004,933
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$418,0807,465
1996-12-31 (YTD Data)Rank
Total interest income$2,295,0008,988
Total interest expense$1,124,0008,619
Net interest income$1,171,0009,094
Provision for loan and lease losses$440,0001,926
Total noninterest income$156,0008,920
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$74,0008,175
Trading account gains and feesNANA
Additional Noninterest Income$82,0007,682
Total noninterest expense$857,0009,208
Salaries and employee benefits$554,0008,453
Premises and equipment expense$79,0009,841
Additional noninterest expense$224,0009,660
Pre-tax net operating income$30,00010,680
Securities gains (losses)$04,148
Applicable income taxes$57,0009,572
Income before extraordinary items$-27,00010,887
Extraordinary gains, net$053
Net income$-27,00010,883
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$295,0002,106
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$-27,00010,843
1995-12-31 (YTD Data)Rank
Total interest income$2,164,0009,471
Total interest expense$1,040,0009,118
Net interest income$1,124,0009,563
Provision for loan and lease losses$12,0008,132
Total noninterest income$148,0009,351
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$63,0008,821
Trading account gains and feesNANA
Additional Noninterest Income$85,0007,757
Total noninterest expense$827,0009,651
Salaries and employee benefits$534,0008,821
Premises and equipment expense$94,0009,797
Additional noninterest expense$199,00010,425
Pre-tax net operating income$433,0008,853
Securities gains (losses)$03,831
Applicable income taxes$118,0008,830
Income before extraordinary items$315,0008,785
Extraordinary gains, net$065
Net income$315,0008,789
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,856
Cash dividends$75,0007,260
Sale, conversion, retirement of capital stock, net$0809
Net operating income$315,0008,743
1994-12-31 (YTD Data)Rank
Total interest income$2,175,0009,474
Total interest expense$968,0008,836
Net interest income$1,207,0009,747
Provision for loan and lease losses$11,0008,408
Total noninterest income$159,0009,536
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$69,0009,035
Trading account gains and feesNANA
Additional Noninterest Income$90,0007,838
Total noninterest expense$893,0009,800
Salaries and employee benefits$562,0008,871
Premises and equipment expense$109,0009,741
Additional noninterest expense$222,00010,867
Pre-tax net operating income$462,0008,905
Securities gains (losses)$03,600
Applicable income taxes$123,0008,863
Income before extraordinary items$339,0008,740
Extraordinary gains, net$0249
Net income$339,0008,742
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$8,0007,696
Cash dividends$100,0006,840
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$339,0008,802
1993-12-31 (YTD Data)Rank
Total interest income$2,309,0009,556
Total interest expense$1,165,0008,422
Net interest income$1,144,00010,246
Provision for loan and lease losses$11,0009,693
Total noninterest income$152,00010,163
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$66,0009,471
Trading account gains and feesNANA
Additional Noninterest Income$86,0008,379
Total noninterest expense$856,00010,410
Salaries and employee benefits$530,0009,382
Premises and equipment expense$108,00010,198
Additional noninterest expense$218,00011,491
Pre-tax net operating income$429,0009,187
Securities gains (losses)$3,0006,505
Applicable income taxes$111,0009,488
Income before extraordinary items$321,0009,222
Extraordinary gains, net$03,149
Net income$321,0009,393
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$6,0009,031
Cash dividends$13,0008,832
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$318,7809,004
1992-12-31 (YTD Data)Rank
Total interest income$2,498,0009,927
Total interest expense$1,337,0009,096
Net interest income$1,161,00010,472
Provision for loan and lease losses$18,00010,694
Total noninterest income$197,0009,474
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$57,00010,031
Trading account gains and feesNANA
Additional Noninterest Income$140,0006,888
Total noninterest expense$909,00010,431
Salaries and employee benefits$574,0009,040
Premises and equipment expense$95,00010,910
Additional noninterest expense$240,00011,675
Pre-tax net operating income$431,0008,948
Securities gains (losses)$6,0006,913
Applicable income taxes$113,0009,575
Income before extraordinary items$324,0009,003
Extraordinary gains, net$01,422
Net income$324,0009,149
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,00011,020
Cash dividends$13,0008,641
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$319,5608,687

* 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.