Home > Rutherford Bank and Trust > Income and Expense
Rutherford Bank and Trust, Income and Expense
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,083,000 | 6,844 |
| Total interest expense | $758,000 | 6,233 |
| Net interest income | $1,325,000 | 7,004 |
| Provision for loan and lease losses | $153,000 | 3,877 |
| Total noninterest income | $347,000 | 5,689 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $278,000 | 3,838 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $69,000 | 6,726 |
| Total noninterest expense | $1,394,000 | 6,191 |
| Salaries and employee benefits | $577,000 | 7,015 |
| Premises and equipment expense | $240,000 | 5,461 |
| Additional noninterest expense | $577,000 | 5,157 |
| Pre-tax net operating income | $125,000 | 8,101 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $50,000 | 6,201 |
| Income before extraordinary items | $75,000 | 8,392 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $75,000 | 8,394 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $267,000 | 1,848 |
| Cash dividends | $89,000 | 4,844 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $75,000 | 8,267 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,417,000 | 6,840 |
| Total interest expense | $516,000 | 6,301 |
| Net interest income | $901,000 | 6,948 |
| Provision for loan and lease losses | $132,000 | 3,313 |
| Total noninterest income | $230,000 | 5,672 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $187,000 | 3,774 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $43,000 | 6,830 |
| Total noninterest expense | $885,000 | 6,388 |
| Salaries and employee benefits | $356,000 | 7,240 |
| Premises and equipment expense | $155,000 | 5,554 |
| Additional noninterest expense | $374,000 | 5,242 |
| Pre-tax net operating income | $114,000 | 7,888 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $45,000 | 6,001 |
| Income before extraordinary items | $69,000 | 8,234 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $69,000 | 8,235 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $150,000 | 1,974 |
| Cash dividends | $34,000 | 4,920 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $69,000 | 8,086 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $714,000 | 6,858 |
| Total interest expense | $275,000 | 6,200 |
| Net interest income | $439,000 | 7,033 |
| Provision for loan and lease losses | $89,000 | 2,624 |
| Total noninterest income | $117,000 | 5,510 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $93,000 | 3,718 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $24,000 | 6,621 |
| Total noninterest expense | $433,000 | 6,470 |
| Salaries and employee benefits | $165,000 | 7,481 |
| Premises and equipment expense | $77,000 | 5,564 |
| Additional noninterest expense | $191,000 | 5,135 |
| Pre-tax net operating income | $34,000 | 8,247 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $14,000 | 6,371 |
| Income before extraordinary items | $20,000 | 8,485 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $20,000 | 8,484 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 3,949 |
| Cash dividends | $9,000 | 3,860 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $20,000 | 8,369 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,189,000 | 6,656 |
| Total interest expense | $1,272,000 | 6,251 |
| Net interest income | $1,917,000 | 6,759 |
| Provision for loan and lease losses | $138,000 | 5,097 |
| Total noninterest income | $445,000 | 5,513 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $335,000 | 3,987 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $110,000 | 6,258 |
| Total noninterest expense | $1,745,000 | 6,364 |
| Salaries and employee benefits | $804,000 | 6,868 |
| Premises and equipment expense | $313,000 | 5,433 |
| Additional noninterest expense | $628,000 | 5,771 |
| Pre-tax net operating income | $479,000 | 6,847 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $187,000 | 5,207 |
| Income before extraordinary items | $292,000 | 7,360 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $292,000 | 7,360 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $126,000 | 3,805 |
| Cash dividends | $9,000 | 6,320 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $292,000 | 7,260 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,797,000 | 6,505 |
| Total interest expense | $2,100,000 | 5,946 |
| Net interest income | $1,697,000 | 6,984 |
| Provision for loan and lease losses | $65,000 | 6,279 |
| Total noninterest income | $316,000 | 6,275 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $215,000 | 4,997 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $101,000 | 6,420 |
| Total noninterest expense | $1,650,000 | 6,451 |
| Salaries and employee benefits | $725,000 | 7,101 |
| Premises and equipment expense | $294,000 | 5,581 |
| Additional noninterest expense | $631,000 | 5,655 |
| Pre-tax net operating income | $298,000 | 7,426 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $117,000 | 5,804 |
| Income before extraordinary items | $181,000 | 7,856 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $181,000 | 7,858 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,344 |
| Cash dividends | $9,000 | 6,543 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $181,000 | 7,742 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,881,000 | 6,580 |
| Total interest expense | $2,150,000 | 6,054 |
| Net interest income | $1,731,000 | 7,048 |
| Provision for loan and lease losses | $218,000 | 3,553 |
| Total noninterest income | $239,000 | 6,888 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $152,000 | 5,729 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $87,000 | 6,735 |
| Total noninterest expense | $1,491,000 | 6,774 |
| Salaries and employee benefits | $716,000 | 7,121 |
| Premises and equipment expense | $283,000 | 5,614 |
| Additional noninterest expense | $492,000 | 6,484 |
| Pre-tax net operating income | $261,000 | 8,076 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $101,000 | 6,491 |
| Income before extraordinary items | $160,000 | 8,350 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $160,000 | 8,348 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $163,000 | 2,734 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $160,000 | 8,351 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,092,000 | 7,268 |
| Total interest expense | $1,607,000 | 6,713 |
| Net interest income | $1,485,000 | 7,617 |
| Provision for loan and lease losses | $135,000 | 4,497 |
| Total noninterest income | $191,000 | 7,603 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $90,000 | 6,921 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $101,000 | 6,614 |
| Total noninterest expense | $1,245,000 | 7,450 |
| Salaries and employee benefits | $606,000 | 7,731 |
| Premises and equipment expense | $202,000 | 6,783 |
| Additional noninterest expense | $437,000 | 6,994 |
| Pre-tax net operating income | $296,000 | 8,114 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $114,000 | 6,736 |
| Income before extraordinary items | $182,000 | 8,418 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $182,000 | 8,417 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 4,729 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $182,000 | 8,387 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,492,000 | 8,104 |
| Total interest expense | $1,341,000 | 7,563 |
| Net interest income | $1,151,000 | 8,450 |
| Provision for loan and lease losses | $246,000 | 3,028 |
| Total noninterest income | $82,000 | 9,319 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $51,000 | 8,015 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $31,000 | 8,965 |
| Total noninterest expense | $793,000 | 8,793 |
| Salaries and employee benefits | $331,000 | 9,415 |
| Premises and equipment expense | $139,000 | 7,901 |
| Additional noninterest expense | $323,000 | 7,907 |
| Pre-tax net operating income | $194,000 | 8,935 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $75,000 | 7,905 |
| Income before extraordinary items | $119,000 | 9,193 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $119,000 | 9,192 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $117,000 | 3,365 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $119,000 | 9,121 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,672,000 | 9,464 |
| Total interest expense | $832,000 | 9,157 |
| Net interest income | $840,000 | 9,575 |
| Provision for loan and lease losses | $121,000 | 4,616 |
| Total noninterest income | $44,000 | 10,388 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $38,000 | 8,734 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $6,000 | 10,622 |
| Total noninterest expense | $686,000 | 9,432 |
| Salaries and employee benefits | $303,000 | 9,936 |
| Premises and equipment expense | $115,000 | 8,614 |
| Additional noninterest expense | $268,000 | 8,654 |
| Pre-tax net operating income | $77,000 | 10,150 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $31,000 | 9,549 |
| Income before extraordinary items | $46,000 | 10,258 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $46,000 | 10,259 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $46,000 | 10,222 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $190,000 | 11,376 |
| Total interest expense | $71,000 | 11,348 |
| Net interest income | $119,000 | 11,381 |
| Provision for loan and lease losses | $89,000 | 5,411 |
| Total noninterest income | $2,000 | 11,386 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,000 | 9,883 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,000 | 11,358 |
| Total noninterest expense | $110,000 | 11,423 |
| Salaries and employee benefits | $47,000 | 11,418 |
| Premises and equipment expense | $13,000 | 11,357 |
| Additional noninterest expense | $50,000 | 11,385 |
| Pre-tax net operating income | $-78,000 | 10,930 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $-30,000 | 11,023 |
| Income before extraordinary items | $-48,000 | 10,923 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-48,000 | 10,919 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $4,000,000 | 186 |
| Net operating income | $-48,000 | 10,881 |
* 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.