Home > The Ramsey State Bank > Income and Expense
The Ramsey State Bank, Income and Expense
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,073,000 | 12,131 |
| Total interest expense | $470,000 | 11,831 |
| Net interest income | $603,000 | 12,207 |
| Provision for loan and lease losses | $3,000 | 10,228 |
| Total noninterest income | $51,000 | 12,516 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $21,000 | 10,981 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $30,000 | 11,310 |
| Total noninterest expense | $521,000 | 12,054 |
| Salaries and employee benefits | $216,000 | 12,493 |
| Premises and equipment expense | $53,000 | 12,113 |
| Additional noninterest expense | $252,000 | 11,052 |
| Pre-tax net operating income | $130,000 | 11,630 |
| Securities gains (losses) | $19,000 | 4,737 |
| Applicable income taxes | $19,000 | 11,624 |
| Income before extraordinary items | $130,000 | 11,455 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $130,000 | 11,520 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 7,087 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $113,470 | 11,465 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,234,000 | 12,521 |
| Total interest expense | $646,000 | 12,080 |
| Net interest income | $588,000 | 12,753 |
| Provision for loan and lease losses | $203,000 | 5,164 |
| Total noninterest income | $90,000 | 11,997 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $49,000 | 10,360 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $41,000 | 10,988 |
| Total noninterest expense | $516,000 | 12,549 |
| Salaries and employee benefits | $211,000 | 13,035 |
| Premises and equipment expense | $34,000 | 13,280 |
| Additional noninterest expense | $271,000 | 11,258 |
| Pre-tax net operating income | $-41,000 | 12,846 |
| Securities gains (losses) | $91,000 | 3,163 |
| Applicable income taxes | $46,000 | 11,363 |
| Income before extraordinary items | $4,000 | 12,872 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $4,000 | 12,868 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 5,287 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-54,240 | 12,826 |
* 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.