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Russell Federal Savings Bank, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$2,300,0008,310
Total interest expense$1,494,0007,202
Net interest income$806,0009,237
Provision for loan and lease losses$39,0007,011
Total noninterest income$56,0009,756
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0224
Additional Noninterest Income$56,0007,951
Total noninterest expense$689,0009,130
Salaries and employee benefits$187,00010,159
Premises and equipment expense$52,0009,775
Additional noninterest expense$450,0006,802
Pre-tax net operating income$134,0009,260
Securities gains (losses)$04,449
Applicable income taxes$16,0008,961
Income before extraordinary items$118,0009,206
Extraordinary gains, net$032
Net income$118,0009,205
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$10,0007,038
Cash dividends$1,913,0001,388
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$118,0009,133
1997-12-31 (YTD Data)Rank
Total interest income$2,051,0008,944
Total interest expense$1,119,0008,352
Net interest income$932,0009,354
Provision for loan and lease losses$24,0007,686
Total noninterest income$54,00010,218
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0239
Additional Noninterest Income$54,0008,261
Total noninterest expense$658,0009,528
Salaries and employee benefits$226,00010,410
Premises and equipment expense$77,0009,513
Additional noninterest expense$355,0007,755
Pre-tax net operating income$304,0008,979
Securities gains (losses)$03,944
Applicable income taxes$94,0008,505
Income before extraordinary items$210,0009,072
Extraordinary gains, net$044
Net income$210,0009,076
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,513
Cash dividends$3,615,000812
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$210,0009,032
1996-12-31 (YTD Data)Rank
Total interest income$1,936,0009,462
Total interest expense$1,000,0009,004
Net interest income$936,0009,736
Provision for loan and lease losses$20,0007,945
Total noninterest income$86,00010,166
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0262
Additional Noninterest Income$86,0007,551
Total noninterest expense$1,529,0007,027
Salaries and employee benefits$854,0006,684
Premises and equipment expense$51,00010,608
Additional noninterest expense$624,0006,204
Pre-tax net operating income$-527,00011,246
Securities gains (losses)$04,148
Applicable income taxes$-186,00011,256
Income before extraordinary items$-341,00011,202
Extraordinary gains, net$053
Net income$-341,00011,201
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,805
Cash dividends$231,0005,141
Sale, conversion, retirement of capital stock, net$0953
Net operating income$-341,00011,175
1995-12-31 (YTD Data)Rank
Total interest income$1,961,0009,776
Total interest expense$989,0009,295
Net interest income$972,00010,019
Provision for loan and lease losses$6,0008,588
Total noninterest income$76,00010,814
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0522
Additional Noninterest Income$76,0008,106
Total noninterest expense$695,00010,205
Salaries and employee benefits$438,0009,631
Premises and equipment expense$54,00010,964
Additional noninterest expense$203,00010,374
Pre-tax net operating income$347,0009,404
Securities gains (losses)$309,000500
Applicable income taxes$200,0007,408
Income before extraordinary items$456,0007,591
Extraordinary gains, net$065
Net income$456,0007,590
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,856
Cash dividends$553,0003,100
Sale, conversion, retirement of capital stock, netNANA
Net operating income$239,7009,493
1994-12-31 (YTD Data)Rank
Total interest income$1,642,00010,452
Total interest expense$833,0009,433
Net interest income$809,00011,020
Provision for loan and lease losses$11,0008,408
Total noninterest income$64,00011,626
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0475
Additional Noninterest Income$64,0008,924
Total noninterest expense$530,00011,454
Salaries and employee benefits$315,00011,060
Premises and equipment expense$50,00011,639
Additional noninterest expense$165,00011,585
Pre-tax net operating income$332,0009,887
Securities gains (losses)$11,0002,158
Applicable income taxes$110,0009,133
Income before extraordinary items$233,0009,885
Extraordinary gains, net$0249
Net income$233,0009,898
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,921
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$4,059,000202
Net operating income$225,52010,040
1993-12-31 (YTD Data)Rank
Total interest income$1,644,00010,917
Total interest expense$924,0009,449
Net interest income$720,00011,792
Provision for loan and lease losses$27,0008,602
Total noninterest income$63,00012,223
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0532
Additional Noninterest Income$63,0009,389
Total noninterest expense$484,00012,247
Salaries and employee benefits$301,00011,638
Premises and equipment expense$51,00012,175
Additional noninterest expense$132,00012,630
Pre-tax net operating income$272,00010,456
Securities gains (losses)$07,477
Applicable income taxes$85,00010,101
Income before extraordinary items$187,00010,793
Extraordinary gains, net$03,149
Net income$187,00010,897
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$09,922
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$187,00010,574
1992-12-31 (YTD Data)Rank
Total interest income$1,919,00011,055
Total interest expense$1,177,0009,691
Net interest income$742,00012,146
Provision for loan and lease losses$19,00010,662
Total noninterest income$79,00012,309
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0504
Additional Noninterest Income$79,0008,899
Total noninterest expense$455,00012,881
Salaries and employee benefits$265,00012,430
Premises and equipment expense$51,00012,648
Additional noninterest expense$139,00013,103
Pre-tax net operating income$347,0009,719
Securities gains (losses)$08,369
Applicable income taxes$116,0009,484
Income before extraordinary items$231,00010,166
Extraordinary gains, net$01,422
Net income$231,00010,308
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$011,197
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$231,0009,808

* 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.