Home > The Rio Grande County Bank > Income and Expense
The Rio Grande County Bank, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,217,000 | 6,317 |
| Total interest expense | $1,507,000 | 7,151 |
| Net interest income | $2,710,000 | 5,529 |
| Provision for loan and lease losses | $22,000 | 7,551 |
| Total noninterest income | $417,000 | 5,424 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $299,000 | 4,068 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $118,000 | 6,040 |
| Total noninterest expense | $2,060,000 | 5,567 |
| Salaries and employee benefits | $943,000 | 6,152 |
| Premises and equipment expense | $288,000 | 5,554 |
| Additional noninterest expense | $829,000 | 4,616 |
| Pre-tax net operating income | $1,045,000 | 5,151 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $401,000 | 3,978 |
| Income before extraordinary items | $644,000 | 5,650 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $644,000 | 5,649 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 5,816 |
| Cash dividends | $675,000 | 2,991 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $644,000 | 5,660 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,394,000 | 6,937 |
| Total interest expense | $1,233,000 | 7,559 |
| Net interest income | $2,161,000 | 6,356 |
| Provision for loan and lease losses | $30,000 | 7,215 |
| Total noninterest income | $491,000 | 5,012 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $236,000 | 4,671 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $255,000 | 4,389 |
| Total noninterest expense | $1,912,000 | 5,848 |
| Salaries and employee benefits | $874,000 | 6,428 |
| Premises and equipment expense | $355,000 | 4,929 |
| Additional noninterest expense | $683,000 | 5,333 |
| Pre-tax net operating income | $710,000 | 6,282 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $265,000 | 5,080 |
| Income before extraordinary items | $445,000 | 6,730 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $445,000 | 6,728 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 4,770 |
| Cash dividends | $100,000 | 6,057 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $445,000 | 6,704 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,399,000 | 7,064 |
| Total interest expense | $1,234,000 | 7,830 |
| Net interest income | $2,165,000 | 6,353 |
| Provision for loan and lease losses | $61,000 | 6,101 |
| Total noninterest income | $381,000 | 5,772 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $214,000 | 4,963 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $167,000 | 5,411 |
| Total noninterest expense | $1,771,000 | 6,060 |
| Salaries and employee benefits | $807,000 | 6,660 |
| Premises and equipment expense | $369,000 | 4,715 |
| Additional noninterest expense | $595,000 | 5,783 |
| Pre-tax net operating income | $714,000 | 6,430 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $276,000 | 5,402 |
| Income before extraordinary items | $438,000 | 6,990 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $438,000 | 6,988 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 4,126 |
| Cash dividends | $385,000 | 4,099 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $438,000 | 6,894 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,224,000 | 10,038 |
| Total interest expense | $385,000 | 10,362 |
| Net interest income | $839,000 | 9,579 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $101,000 | 9,396 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $73,000 | 7,812 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $28,000 | 9,432 |
| Total noninterest expense | $683,000 | 9,443 |
| Salaries and employee benefits | $304,000 | 9,930 |
| Premises and equipment expense | $135,000 | 8,126 |
| Additional noninterest expense | $244,000 | 8,915 |
| Pre-tax net operating income | $257,000 | 9,253 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $125,000 | 7,996 |
| Income before extraordinary items | $132,000 | 9,752 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $132,000 | 9,751 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 6,261 |
| Cash dividends | $208,000 | 5,288 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $132,000 | 9,706 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,784,000 | 8,301 |
| Total interest expense | $874,000 | 9,399 |
| Net interest income | $1,910,000 | 7,332 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $198,000 | 8,258 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $161,000 | 6,268 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $37,000 | 9,496 |
| Total noninterest expense | $1,360,000 | 7,485 |
| Salaries and employee benefits | $666,000 | 7,741 |
| Premises and equipment expense | $331,000 | 5,217 |
| Additional noninterest expense | $363,000 | 8,230 |
| Pre-tax net operating income | $748,000 | 6,715 |
| Securities gains (losses) | $27,000 | 1,767 |
| Applicable income taxes | $269,000 | 6,193 |
| Income before extraordinary items | $506,000 | 6,862 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $506,000 | 6,865 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,286 |
| Cash dividends | $236,000 | 5,109 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $488,450 | 6,918 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,351,000 | 9,187 |
| Total interest expense | $651,000 | 10,481 |
| Net interest income | $1,700,000 | 8,015 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $180,000 | 8,775 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $151,000 | 6,643 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $29,000 | 10,336 |
| Total noninterest expense | $1,141,000 | 8,423 |
| Salaries and employee benefits | $539,000 | 8,788 |
| Premises and equipment expense | $272,000 | 6,038 |
| Additional noninterest expense | $330,000 | 8,915 |
| Pre-tax net operating income | $739,000 | 7,120 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $267,000 | 6,412 |
| Income before extraordinary items | $472,000 | 7,469 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $472,000 | 7,469 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-56,000 | 11,520 |
| Cash dividends | $150,000 | 6,032 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $472,000 | 7,437 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,800,000 | 10,172 |
| Total interest expense | $405,000 | 11,561 |
| Net interest income | $1,395,000 | 9,170 |
| Provision for loan and lease losses | $25,000 | 7,401 |
| Total noninterest income | $193,000 | 8,852 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $146,000 | 6,989 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $47,000 | 9,769 |
| Total noninterest expense | $1,118,000 | 8,912 |
| Salaries and employee benefits | $513,000 | 9,269 |
| Premises and equipment expense | $246,000 | 6,584 |
| Additional noninterest expense | $359,000 | 9,251 |
| Pre-tax net operating income | $445,000 | 9,031 |
| Securities gains (losses) | $-1,000 | 8,790 |
| Applicable income taxes | $143,000 | 8,451 |
| Income before extraordinary items | $301,000 | 9,139 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $301,000 | 9,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 10,867 |
| Cash dividends | $151,000 | 6,040 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $301,680 | 9,206 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,418,000 | 11,408 |
| Total interest expense | $327,000 | 12,548 |
| Net interest income | $1,091,000 | 10,439 |
| Provision for loan and lease losses | $2,000 | 10,273 |
| Total noninterest income | $174,000 | 9,724 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $144,000 | 7,244 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $30,000 | 11,310 |
| Total noninterest expense | $881,000 | 10,285 |
| Salaries and employee benefits | $398,000 | 10,651 |
| Premises and equipment expense | $134,000 | 9,351 |
| Additional noninterest expense | $349,000 | 9,849 |
| Pre-tax net operating income | $382,000 | 9,561 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $124,000 | 9,218 |
| Income before extraordinary items | $258,000 | 9,954 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $258,000 | 10,091 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-139,000 | 13,032 |
| Cash dividends | $151,000 | 6,052 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $258,000 | 9,692 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,451,000 | 12,073 |
| Total interest expense | $401,000 | 13,174 |
| Net interest income | $1,050,000 | 10,894 |
| Provision for loan and lease losses | $133,000 | 6,435 |
| Total noninterest income | $177,000 | 9,884 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $140,000 | 7,385 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $37,000 | 11,257 |
| Total noninterest expense | $779,000 | 11,108 |
| Salaries and employee benefits | $370,000 | 11,219 |
| Premises and equipment expense | $122,000 | 9,963 |
| Additional noninterest expense | $287,000 | 11,020 |
| Pre-tax net operating income | $315,000 | 9,987 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $60,000 | 10,985 |
| Income before extraordinary items | $255,000 | 9,851 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $255,000 | 9,998 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $182,000 | 4,417 |
| Cash dividends | $90,000 | 6,821 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $255,000 | 9,488 |
* 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.