Home > Six Rivers Bank > Income and Expense
Six Rivers Bank, Income and Expense
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $10,518,000 | 2,688 |
| Total interest expense | $2,457,000 | 3,379 |
| Net interest income | $8,061,000 | 2,416 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $2,997,000 | 1,687 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,492,000 | 1,155 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,505,000 | 1,816 |
| Total noninterest expense | $8,883,000 | 1,786 |
| Salaries and employee benefits | $2,142,000 | 3,706 |
| Premises and equipment expense | $1,246,000 | 1,834 |
| Additional noninterest expense | $5,495,000 | 925 |
| Pre-tax net operating income | $2,175,000 | 3,202 |
| Securities gains (losses) | $88,000 | 2,003 |
| Applicable income taxes | $660,000 | 2,893 |
| Income before extraordinary items | $1,603,000 | 3,401 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,603,000 | 3,401 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-85,000 | 9,018 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,540,520 | 3,326 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $8,094,000 | 2,662 |
| Total interest expense | $1,948,000 | 3,353 |
| Net interest income | $6,146,000 | 2,386 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $2,226,000 | 1,745 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,118,000 | 1,164 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,108,000 | 1,906 |
| Total noninterest expense | $6,732,000 | 1,775 |
| Salaries and employee benefits | $1,623,000 | 3,661 |
| Premises and equipment expense | $954,000 | 1,799 |
| Additional noninterest expense | $4,155,000 | 930 |
| Pre-tax net operating income | $1,640,000 | 3,319 |
| Securities gains (losses) | $88,000 | 1,858 |
| Applicable income taxes | $503,000 | 3,016 |
| Income before extraordinary items | $1,225,000 | 3,440 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,225,000 | 3,439 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-81,000 | 9,048 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,162,520 | 3,405 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,561,000 | 2,625 |
| Total interest expense | $1,376,000 | 3,297 |
| Net interest income | $4,185,000 | 2,320 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $1,563,000 | 1,668 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $766,000 | 1,111 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $797,000 | 1,781 |
| Total noninterest expense | $4,552,000 | 1,752 |
| Salaries and employee benefits | $1,082,000 | 3,662 |
| Premises and equipment expense | $656,000 | 1,734 |
| Additional noninterest expense | $2,814,000 | 915 |
| Pre-tax net operating income | $1,196,000 | 3,091 |
| Securities gains (losses) | $94,000 | 1,557 |
| Applicable income taxes | $400,000 | 2,691 |
| Income before extraordinary items | $890,000 | 3,237 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $890,000 | 3,237 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-92,000 | 9,114 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $825,140 | 3,243 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,843,000 | 2,582 |
| Total interest expense | $734,000 | 3,184 |
| Net interest income | $2,109,000 | 2,310 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $724,000 | 1,728 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $402,000 | 1,038 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $322,000 | 2,010 |
| Total noninterest expense | $2,301,000 | 1,717 |
| Salaries and employee benefits | $535,000 | 3,695 |
| Premises and equipment expense | $348,000 | 1,649 |
| Additional noninterest expense | $1,418,000 | 875 |
| Pre-tax net operating income | $532,000 | 3,354 |
| Securities gains (losses) | $92,000 | 1,047 |
| Applicable income taxes | $200,000 | 2,698 |
| Income before extraordinary items | $424,000 | 3,330 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $424,000 | 3,327 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-145,000 | 9,253 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $361,440 | 3,551 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $12,003,000 | 2,561 |
| Total interest expense | $3,319,000 | 3,249 |
| Net interest income | $8,684,000 | 2,231 |
| Provision for loan and lease losses | $220,000 | 4,159 |
| Total noninterest income | $2,225,000 | 1,950 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,702,000 | 943 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $523,000 | 3,204 |
| Total noninterest expense | $8,541,000 | 1,777 |
| Salaries and employee benefits | $2,189,000 | 3,475 |
| Premises and equipment expense | $1,179,000 | 1,883 |
| Additional noninterest expense | $5,173,000 | 967 |
| Pre-tax net operating income | $2,148,000 | 3,269 |
| Securities gains (losses) | $103,000 | 1,722 |
| Applicable income taxes | $755,000 | 2,697 |
| Income before extraordinary items | $1,496,000 | 3,515 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,496,000 | 3,513 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $244,000 | 2,703 |
| Cash dividends | $1,400,000 | 1,720 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,428,020 | 3,524 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $13,403,000 | 2,554 |
| Total interest expense | $5,352,000 | 2,971 |
| Net interest income | $8,051,000 | 2,228 |
| Provision for loan and lease losses | $360,000 | 2,816 |
| Total noninterest income | $2,429,000 | 1,719 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,494,000 | 994 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $935,000 | 2,148 |
| Total noninterest expense | $7,793,000 | 1,858 |
| Salaries and employee benefits | $2,762,000 | 2,703 |
| Premises and equipment expense | $1,145,000 | 1,870 |
| Additional noninterest expense | $3,886,000 | 1,220 |
| Pre-tax net operating income | $2,327,000 | 2,818 |
| Securities gains (losses) | $5,000 | 3,927 |
| Applicable income taxes | $905,000 | 2,233 |
| Income before extraordinary items | $1,427,000 | 3,343 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,427,000 | 3,347 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-153,000 | 9,541 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,423,800 | 3,250 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $15,392,000 | 2,282 |
| Total interest expense | $6,778,000 | 2,483 |
| Net interest income | $8,614,000 | 2,062 |
| Provision for loan and lease losses | $770,000 | 1,307 |
| Total noninterest income | $1,579,000 | 2,264 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,064,000 | 1,279 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $515,000 | 2,907 |
| Total noninterest expense | $10,831,000 | 1,275 |
| Salaries and employee benefits | $3,549,000 | 2,003 |
| Premises and equipment expense | $1,634,000 | 1,246 |
| Additional noninterest expense | $5,648,000 | 869 |
| Pre-tax net operating income | $-1,408,000 | 9,779 |
| Securities gains (losses) | $-935,000 | 9,755 |
| Applicable income taxes | $-713,000 | 9,819 |
| Income before extraordinary items | $-1,630,000 | 9,807 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-1,630,000 | 9,806 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,070,000 | 712 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $101,000 | 696 |
| Net operating income | $-975,500 | 9,726 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $14,635,000 | 2,224 |
| Total interest expense | $5,796,000 | 2,535 |
| Net interest income | $8,839,000 | 1,991 |
| Provision for loan and lease losses | $220,000 | 3,352 |
| Total noninterest income | $1,620,000 | 2,181 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,172,000 | 1,134 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $448,000 | 3,167 |
| Total noninterest expense | $8,176,000 | 1,684 |
| Salaries and employee benefits | $3,999,000 | 1,725 |
| Premises and equipment expense | $1,226,000 | 1,666 |
| Additional noninterest expense | $2,951,000 | 1,532 |
| Pre-tax net operating income | $2,063,000 | 3,260 |
| Securities gains (losses) | $11,000 | 1,705 |
| Applicable income taxes | $858,000 | 2,485 |
| Income before extraordinary items | $1,216,000 | 3,839 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,216,000 | 3,840 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $676,000 | 960 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $148,000 | 751 |
| Net operating income | $1,208,960 | 3,823 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $14,917,000 | 2,191 |
| Total interest expense | $6,068,000 | 2,500 |
| Net interest income | $8,849,000 | 1,938 |
| Provision for loan and lease losses | $3,904,000 | 384 |
| Total noninterest income | $1,594,000 | 2,163 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,185,000 | 1,056 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $409,000 | 3,387 |
| Total noninterest expense | $8,415,000 | 1,576 |
| Salaries and employee benefits | $3,512,000 | 1,889 |
| Premises and equipment expense | $1,197,000 | 1,645 |
| Additional noninterest expense | $3,706,000 | 1,209 |
| Pre-tax net operating income | $-1,876,000 | 10,413 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $-751,000 | 10,411 |
| Income before extraordinary items | $-1,125,000 | 10,378 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-1,125,000 | 10,375 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,261,000 | 436 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $414,000 | 587 |
| Net operating income | $-1,125,000 | 10,360 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,968,000 | 3,243 |
| Total interest expense | $3,989,000 | 3,685 |
| Net interest income | $5,979,000 | 2,916 |
| Provision for loan and lease losses | $2,241,000 | 536 |
| Total noninterest income | $1,403,000 | 2,324 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $646,000 | 2,026 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $757,000 | 2,102 |
| Total noninterest expense | $4,997,000 | 2,567 |
| Salaries and employee benefits | $2,388,000 | 2,772 |
| Premises and equipment expense | $890,000 | 2,208 |
| Additional noninterest expense | $1,719,000 | 2,409 |
| Pre-tax net operating income | $144,000 | 9,881 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $26,000 | 9,624 |
| Income before extraordinary items | $118,000 | 9,848 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $118,000 | 9,848 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,889,000 | 519 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $13,253,000 | 64 |
| Net operating income | $118,000 | 9,805 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,197,000 | 3,942 |
| Total interest expense | $3,347,000 | 4,354 |
| Net interest income | $4,850,000 | 3,628 |
| Provision for loan and lease losses | $276,000 | 2,757 |
| Total noninterest income | $1,065,000 | 2,974 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $604,000 | 2,240 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $461,000 | 3,094 |
| Total noninterest expense | $4,261,000 | 3,151 |
| Salaries and employee benefits | $2,136,000 | 3,132 |
| Premises and equipment expense | $880,000 | 2,255 |
| Additional noninterest expense | $1,245,000 | 3,668 |
| Pre-tax net operating income | $1,378,000 | 4,633 |
| Securities gains (losses) | $3,000 | 3,304 |
| Applicable income taxes | $580,000 | 3,692 |
| Income before extraordinary items | $801,000 | 5,310 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $801,000 | 5,311 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $165,000 | 2,999 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $799,080 | 5,252 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,727,000 | 4,717 |
| Total interest expense | $2,811,000 | 5,048 |
| Net interest income | $3,916,000 | 4,395 |
| Provision for loan and lease losses | $175,000 | 3,337 |
| Total noninterest income | $910,000 | 3,333 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $523,000 | 2,586 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $387,000 | 3,372 |
| Total noninterest expense | $3,682,000 | 3,576 |
| Salaries and employee benefits | $1,814,000 | 3,617 |
| Premises and equipment expense | $774,000 | 2,568 |
| Additional noninterest expense | $1,094,000 | 4,045 |
| Pre-tax net operating income | $969,000 | 6,121 |
| Securities gains (losses) | $13,000 | 2,193 |
| Applicable income taxes | $412,000 | 4,841 |
| Income before extraordinary items | $570,000 | 6,782 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $570,000 | 6,781 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 7,576 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $101,000 | 559 |
| Net operating income | $561,680 | 6,815 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,170,000 | 5,514 |
| Total interest expense | $1,901,000 | 5,831 |
| Net interest income | $3,269,000 | 5,240 |
| Provision for loan and lease losses | $229,000 | 2,801 |
| Total noninterest income | $709,000 | 4,080 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $392,000 | 3,438 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $317,000 | 3,939 |
| Total noninterest expense | $3,562,000 | 3,788 |
| Salaries and employee benefits | $1,704,000 | 3,819 |
| Premises and equipment expense | $713,000 | 2,787 |
| Additional noninterest expense | $1,145,000 | 4,224 |
| Pre-tax net operating income | $187,000 | 10,991 |
| Securities gains (losses) | $13,000 | 2,050 |
| Applicable income taxes | $0 | 11,630 |
| Income before extraordinary items | $200,000 | 10,275 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $200,000 | 10,278 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $93,000 | 3,872 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 1,148 |
| Net operating income | $187,000 | 10,468 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,522,000 | 6,285 |
| Total interest expense | $1,629,000 | 6,799 |
| Net interest income | $2,893,000 | 5,814 |
| Provision for loan and lease losses | $172,000 | 4,316 |
| Total noninterest income | $830,000 | 3,873 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $297,000 | 4,471 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $533,000 | 3,128 |
| Total noninterest expense | $3,561,000 | 3,855 |
| Salaries and employee benefits | $1,765,000 | 3,676 |
| Premises and equipment expense | $560,000 | 3,528 |
| Additional noninterest expense | $1,236,000 | 4,094 |
| Pre-tax net operating income | $-10,000 | 12,467 |
| Securities gains (losses) | $56,000 | 3,232 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $46,000 | 12,279 |
| Extraordinary gains, net | $161,000 | 1,176 |
| Net income | $207,000 | 10,668 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $200,000 | 3,141 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $563,000 | 574 |
| Net operating income | $-10,000 | 12,425 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,158,000 | 7,305 |
| Total interest expense | $1,869,000 | 7,427 |
| Net interest income | $2,289,000 | 7,034 |
| Provision for loan and lease losses | $213,000 | 5,062 |
| Total noninterest income | $552,000 | 5,273 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $241,000 | 5,260 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $311,000 | 4,331 |
| Total noninterest expense | $2,265,000 | 5,771 |
| Salaries and employee benefits | $1,004,000 | 6,006 |
| Premises and equipment expense | $334,000 | 5,547 |
| Additional noninterest expense | $927,000 | 5,386 |
| Pre-tax net operating income | $363,000 | 9,551 |
| Securities gains (losses) | $81,000 | 3,352 |
| Applicable income taxes | $145,000 | 8,747 |
| Income before extraordinary items | $299,000 | 9,344 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $299,000 | 9,485 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 9,274 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $996,000 | 429 |
| Net operating income | $244,730 | 9,622 |
* 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.