Home > The Ravenna Savings Bank > Income and Expense
The Ravenna Savings Bank, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $13,778,000 | 2,374 |
| Total interest expense | $8,603,000 | 1,729 |
| Net interest income | $5,175,000 | 3,352 |
| Provision for loan and lease losses | $175,000 | 3,893 |
| Total noninterest income | $1,842,000 | 1,972 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $141,000 | 6,001 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,701,000 | 1,291 |
| Total noninterest expense | $4,669,000 | 2,892 |
| Salaries and employee benefits | $2,349,000 | 2,983 |
| Premises and equipment expense | $794,000 | 2,556 |
| Additional noninterest expense | $1,526,000 | 2,818 |
| Pre-tax net operating income | $2,173,000 | 3,128 |
| Securities gains (losses) | $-21,000 | 9,563 |
| Applicable income taxes | $516,000 | 3,567 |
| Income before extraordinary items | $1,636,000 | 3,036 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,636,000 | 3,037 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $118,000 | 3,281 |
| Cash dividends | $300,000 | 4,494 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,651,960 | 2,970 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $12,902,000 | 2,532 |
| Total interest expense | $7,959,000 | 1,918 |
| Net interest income | $4,943,000 | 3,433 |
| Provision for loan and lease losses | $180,000 | 3,728 |
| Total noninterest income | $2,193,000 | 1,700 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $120,000 | 6,463 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $2,073,000 | 1,134 |
| Total noninterest expense | $4,160,000 | 3,117 |
| Salaries and employee benefits | $2,109,000 | 3,173 |
| Premises and equipment expense | $684,000 | 2,821 |
| Additional noninterest expense | $1,367,000 | 3,009 |
| Pre-tax net operating income | $2,796,000 | 2,534 |
| Securities gains (losses) | $51,000 | 1,715 |
| Applicable income taxes | $957,000 | 2,383 |
| Income before extraordinary items | $1,890,000 | 2,689 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,890,000 | 2,690 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $133,000 | 3,139 |
| Cash dividends | $250,000 | 4,929 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,856,340 | 2,661 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $11,966,000 | 2,739 |
| Total interest expense | $7,542,000 | 2,038 |
| Net interest income | $4,424,000 | 3,859 |
| Provision for loan and lease losses | $79,000 | 5,693 |
| Total noninterest income | $2,094,000 | 1,698 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $107,000 | 7,049 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,987,000 | 1,110 |
| Total noninterest expense | $3,313,000 | 3,785 |
| Salaries and employee benefits | $1,688,000 | 3,854 |
| Premises and equipment expense | $472,000 | 3,899 |
| Additional noninterest expense | $1,153,000 | 3,460 |
| Pre-tax net operating income | $3,126,000 | 2,398 |
| Securities gains (losses) | $-50,000 | 10,646 |
| Applicable income taxes | $1,063,000 | 2,315 |
| Income before extraordinary items | $2,013,000 | 2,568 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,013,000 | 2,567 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,735 |
| Cash dividends | $200,000 | 5,346 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,045,500 | 2,480 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $10,314,000 | 3,186 |
| Total interest expense | $6,046,000 | 2,532 |
| Net interest income | $4,268,000 | 4,065 |
| Provision for loan and lease losses | $67,000 | 5,924 |
| Total noninterest income | $1,885,000 | 1,936 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $97,000 | 7,562 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,788,000 | 1,248 |
| Total noninterest expense | $3,769,000 | 3,527 |
| Salaries and employee benefits | $1,591,000 | 4,088 |
| Premises and equipment expense | $481,000 | 3,893 |
| Additional noninterest expense | $1,697,000 | 2,820 |
| Pre-tax net operating income | $2,317,000 | 3,018 |
| Securities gains (losses) | $-34,000 | 10,892 |
| Applicable income taxes | $775,000 | 2,932 |
| Income before extraordinary items | $1,508,000 | 3,172 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,508,000 | 3,172 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $107,000 | 3,799 |
| Cash dividends | $175,000 | 5,723 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,530,440 | 3,098 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $9,620,000 | 3,401 |
| Total interest expense | $5,696,000 | 2,703 |
| Net interest income | $3,924,000 | 4,390 |
| Provision for loan and lease losses | $41,000 | 6,593 |
| Total noninterest income | $1,485,000 | 2,301 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $85,000 | 8,173 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,400,000 | 1,424 |
| Total noninterest expense | $2,912,000 | 4,404 |
| Salaries and employee benefits | $1,425,000 | 4,489 |
| Premises and equipment expense | $395,000 | 4,595 |
| Additional noninterest expense | $1,092,000 | 4,054 |
| Pre-tax net operating income | $2,456,000 | 2,903 |
| Securities gains (losses) | $12,000 | 2,250 |
| Applicable income taxes | $806,000 | 2,856 |
| Income before extraordinary items | $1,662,000 | 2,958 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,662,000 | 2,955 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $204,000 | 2,468 |
| Cash dividends | $150,000 | 6,032 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,653,960 | 2,937 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,718,000 | 3,861 |
| Total interest expense | $3,853,000 | 3,172 |
| Net interest income | $3,865,000 | 4,522 |
| Provision for loan and lease losses | $95,000 | 4,682 |
| Total noninterest income | $702,000 | 4,115 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $73,000 | 8,896 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $629,000 | 2,500 |
| Total noninterest expense | $2,908,000 | 4,532 |
| Salaries and employee benefits | $1,289,000 | 4,917 |
| Premises and equipment expense | $343,000 | 5,146 |
| Additional noninterest expense | $1,276,000 | 3,840 |
| Pre-tax net operating income | $1,564,000 | 4,257 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $422,000 | 4,574 |
| Income before extraordinary items | $1,142,000 | 4,045 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,142,000 | 4,048 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 5,198 |
| Cash dividends | $75,000 | 7,404 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,142,000 | 4,082 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,257,000 | 4,775 |
| Total interest expense | $3,046,000 | 4,070 |
| Net interest income | $3,211,000 | 5,332 |
| Provision for loan and lease losses | $438,000 | 2,313 |
| Total noninterest income | $2,306,000 | 1,784 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $95,000 | 8,525 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,211,000 | 1,174 |
| Total noninterest expense | $2,276,000 | 5,711 |
| Salaries and employee benefits | $1,108,000 | 5,609 |
| Premises and equipment expense | $304,000 | 5,786 |
| Additional noninterest expense | $864,000 | 5,560 |
| Pre-tax net operating income | $2,803,000 | 2,449 |
| Securities gains (losses) | $31,000 | 4,064 |
| Applicable income taxes | $1,011,000 | 2,237 |
| Income before extraordinary items | $1,823,000 | 2,740 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,823,000 | 2,822 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 9,155 |
| Cash dividends | $110,000 | 6,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,803,160 | 2,604 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,918,000 | 5,558 |
| Total interest expense | $3,540,000 | 4,506 |
| Net interest income | $2,378,000 | 6,830 |
| Provision for loan and lease losses | $152,000 | 6,039 |
| Total noninterest income | $507,000 | 5,586 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $507,000 | 3,155 |
| Total noninterest expense | $2,123,000 | 6,101 |
| Salaries and employee benefits | $1,126,000 | 5,481 |
| Premises and equipment expense | $340,000 | 5,484 |
| Additional noninterest expense | $656,000 | 7,064 |
| Pre-tax net operating income | $611,000 | 7,628 |
| Securities gains (losses) | $1,078,000 | 611 |
| Applicable income taxes | $580,000 | 3,529 |
| Income before extraordinary items | $1,109,000 | 4,097 |
| Extraordinary gains, net | $-116,000 | 13,668 |
| Net income | $993,000 | 4,579 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 10,474 |
| Cash dividends | $50,000 | 7,650 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $397,520 | 7,890 |
* 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.