Home > The Ripley County Bank > Income and Expense
The Ripley County Bank, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,448,000 | 3,718 |
| Total interest expense | $3,859,000 | 3,697 |
| Net interest income | $4,589,000 | 3,720 |
| Provision for loan and lease losses | $913,000 | 1,051 |
| Total noninterest income | $466,000 | 5,173 |
| Gross Fiduciary activities income | $1,000 | 1,355 |
| Service charges on deposit accounts | $317,000 | 3,818 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $148,000 | 5,639 |
| Total noninterest expense | $2,457,000 | 4,948 |
| Salaries and employee benefits | $1,208,000 | 5,140 |
| Premises and equipment expense | $324,000 | 5,234 |
| Additional noninterest expense | $925,000 | 4,283 |
| Pre-tax net operating income | $1,685,000 | 3,796 |
| Securities gains (losses) | $5,000 | 2,145 |
| Applicable income taxes | $573,000 | 3,321 |
| Income before extraordinary items | $1,117,000 | 4,085 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,117,000 | 4,087 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $585,000 | 1,072 |
| Cash dividends | $1,500,000 | 1,672 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,113,700 | 4,052 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,761,000 | 3,618 |
| Total interest expense | $4,387,000 | 3,388 |
| Net interest income | $4,374,000 | 3,830 |
| Provision for loan and lease losses | $247,000 | 3,019 |
| Total noninterest income | $507,000 | 4,885 |
| Gross Fiduciary activities income | $19,000 | 1,221 |
| Service charges on deposit accounts | $267,000 | 4,287 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $221,000 | 4,708 |
| Total noninterest expense | $2,902,000 | 4,248 |
| Salaries and employee benefits | $1,725,000 | 3,788 |
| Premises and equipment expense | $460,000 | 3,932 |
| Additional noninterest expense | $717,000 | 5,074 |
| Pre-tax net operating income | $1,732,000 | 3,750 |
| Securities gains (losses) | $19,000 | 2,467 |
| Applicable income taxes | $582,000 | 3,482 |
| Income before extraordinary items | $1,169,000 | 4,019 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,169,000 | 4,018 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $269,000 | 2,007 |
| Cash dividends | $2,140,000 | 1,260 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,156,270 | 3,955 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,463,000 | 3,771 |
| Total interest expense | $4,167,000 | 3,526 |
| Net interest income | $4,296,000 | 3,977 |
| Provision for loan and lease losses | $150,000 | 4,117 |
| Total noninterest income | $437,000 | 5,429 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $218,000 | 5,067 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $219,000 | 4,734 |
| Total noninterest expense | $2,605,000 | 4,624 |
| Salaries and employee benefits | $1,556,000 | 4,119 |
| Premises and equipment expense | $430,000 | 4,189 |
| Additional noninterest expense | $619,000 | 5,688 |
| Pre-tax net operating income | $1,978,000 | 3,567 |
| Securities gains (losses) | $11,000 | 2,294 |
| Applicable income taxes | $653,000 | 3,441 |
| Income before extraordinary items | $1,336,000 | 3,713 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,336,000 | 3,712 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $146,000 | 3,076 |
| Cash dividends | $465,000 | 3,642 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,328,630 | 3,655 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,868,000 | 4,104 |
| Total interest expense | $3,877,000 | 3,830 |
| Net interest income | $3,991,000 | 4,333 |
| Provision for loan and lease losses | $150,000 | 4,046 |
| Total noninterest income | $347,000 | 6,469 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $180,000 | 5,903 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $167,000 | 5,663 |
| Total noninterest expense | $2,408,000 | 5,165 |
| Salaries and employee benefits | $1,468,000 | 4,400 |
| Premises and equipment expense | $364,000 | 4,892 |
| Additional noninterest expense | $576,000 | 6,511 |
| Pre-tax net operating income | $1,780,000 | 3,768 |
| Securities gains (losses) | $1,000 | 3,760 |
| Applicable income taxes | $521,000 | 4,019 |
| Income before extraordinary items | $1,260,000 | 3,714 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,260,000 | 3,713 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 5,399 |
| Cash dividends | $400,000 | 3,860 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,259,290 | 3,664 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,289,000 | 4,399 |
| Total interest expense | $3,457,000 | 4,207 |
| Net interest income | $3,832,000 | 4,470 |
| Provision for loan and lease losses | $150,000 | 3,621 |
| Total noninterest income | $269,000 | 7,450 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $167,000 | 6,314 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $102,000 | 7,172 |
| Total noninterest expense | $2,391,000 | 5,193 |
| Salaries and employee benefits | $1,427,000 | 4,479 |
| Premises and equipment expense | $380,000 | 4,742 |
| Additional noninterest expense | $584,000 | 6,633 |
| Pre-tax net operating income | $1,560,000 | 4,311 |
| Securities gains (losses) | $10,000 | 2,384 |
| Applicable income taxes | $502,000 | 4,182 |
| Income before extraordinary items | $1,068,000 | 4,351 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,068,000 | 4,348 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 4,528 |
| Cash dividends | $515,000 | 3,246 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,061,200 | 4,368 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,623,000 | 4,447 |
| Total interest expense | $2,816,000 | 4,188 |
| Net interest income | $3,807,000 | 4,578 |
| Provision for loan and lease losses | $75,000 | 5,153 |
| Total noninterest income | $266,000 | 7,713 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $158,000 | 6,707 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $108,000 | 7,272 |
| Total noninterest expense | $2,674,000 | 4,863 |
| Salaries and employee benefits | $1,562,000 | 4,139 |
| Premises and equipment expense | $345,000 | 5,129 |
| Additional noninterest expense | $767,000 | 5,896 |
| Pre-tax net operating income | $1,324,000 | 4,876 |
| Securities gains (losses) | $2,000 | 3,070 |
| Applicable income taxes | $384,000 | 4,904 |
| Income before extraordinary items | $942,000 | 4,727 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $942,000 | 4,730 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 4,684 |
| Cash dividends | $251,000 | 4,885 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $940,580 | 4,782 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,389,000 | 4,682 |
| Total interest expense | $2,781,000 | 4,401 |
| Net interest income | $3,608,000 | 4,823 |
| Provision for loan and lease losses | $120,000 | 5,200 |
| Total noninterest income | $237,000 | 8,590 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $160,000 | 6,825 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $77,000 | 8,764 |
| Total noninterest expense | $2,491,000 | 5,296 |
| Salaries and employee benefits | $1,366,000 | 4,659 |
| Premises and equipment expense | $297,000 | 5,898 |
| Additional noninterest expense | $828,000 | 5,765 |
| Pre-tax net operating income | $1,234,000 | 5,079 |
| Securities gains (losses) | $48,000 | 3,456 |
| Applicable income taxes | $363,000 | 5,359 |
| Income before extraordinary items | $919,000 | 5,013 |
| Extraordinary gains, net | $24,000 | 2,616 |
| Net income | $943,000 | 5,056 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 7,896 |
| Cash dividends | $153,000 | 6,036 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $884,440 | 4,945 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,545,000 | 5,115 |
| Total interest expense | $3,443,000 | 4,600 |
| Net interest income | $3,102,000 | 5,573 |
| Provision for loan and lease losses | $160,000 | 5,897 |
| Total noninterest income | $204,000 | 9,339 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $136,000 | 7,502 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $68,000 | 9,388 |
| Total noninterest expense | $2,046,000 | 6,261 |
| Salaries and employee benefits | $1,164,000 | 5,313 |
| Premises and equipment expense | $219,000 | 7,420 |
| Additional noninterest expense | $663,000 | 7,008 |
| Pre-tax net operating income | $1,100,000 | 5,262 |
| Securities gains (losses) | $271,000 | 1,631 |
| Applicable income taxes | $358,000 | 5,245 |
| Income before extraordinary items | $1,013,000 | 4,442 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,013,000 | 4,485 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 8,662 |
| Cash dividends | $102,000 | 6,514 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $812,460 | 4,997 |
* 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.