Home > Twin Rivers Community Bank > Income and Expense
Twin Rivers Community Bank, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $12,739,000 | 2,569 |
| Total interest expense | $6,020,000 | 2,449 |
| Net interest income | $6,719,000 | 2,608 |
| Provision for loan and lease losses | $270,000 | 2,899 |
| Total noninterest income | $1,101,000 | 2,887 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $495,000 | 2,659 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $606,000 | 2,609 |
| Total noninterest expense | $5,682,000 | 2,385 |
| Salaries and employee benefits | $2,287,000 | 3,041 |
| Premises and equipment expense | $1,153,000 | 1,773 |
| Additional noninterest expense | $2,242,000 | 1,946 |
| Pre-tax net operating income | $1,868,000 | 3,513 |
| Securities gains (losses) | $16,000 | 1,502 |
| Applicable income taxes | $454,000 | 3,839 |
| Income before extraordinary items | $1,430,000 | 3,366 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,430,000 | 3,366 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 4,729 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,417,840 | 3,351 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $11,277,000 | 2,863 |
| Total interest expense | $5,802,000 | 2,608 |
| Net interest income | $5,475,000 | 3,135 |
| Provision for loan and lease losses | $240,000 | 3,065 |
| Total noninterest income | $949,000 | 3,203 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $401,000 | 3,127 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $548,000 | 2,816 |
| Total noninterest expense | $4,935,000 | 2,657 |
| Salaries and employee benefits | $2,069,000 | 3,227 |
| Premises and equipment expense | $742,000 | 2,622 |
| Additional noninterest expense | $2,124,000 | 2,003 |
| Pre-tax net operating income | $1,249,000 | 4,755 |
| Securities gains (losses) | $101,000 | 1,266 |
| Applicable income taxes | $287,000 | 5,291 |
| Income before extraordinary items | $1,063,000 | 4,296 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,063,000 | 4,295 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 5,860 |
| Cash dividends | $483,000 | 3,619 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $983,210 | 4,484 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,936,000 | 3,260 |
| Total interest expense | $5,256,000 | 2,848 |
| Net interest income | $4,680,000 | 3,702 |
| Provision for loan and lease losses | $290,000 | 2,696 |
| Total noninterest income | $561,000 | 4,631 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $327,000 | 3,807 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $234,000 | 4,557 |
| Total noninterest expense | $4,012,000 | 3,175 |
| Salaries and employee benefits | $1,880,000 | 3,487 |
| Premises and equipment expense | $677,000 | 2,831 |
| Additional noninterest expense | $1,455,000 | 2,808 |
| Pre-tax net operating income | $939,000 | 6,022 |
| Securities gains (losses) | $109,000 | 949 |
| Applicable income taxes | $227,000 | 6,538 |
| Income before extraordinary items | $821,000 | 5,374 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $821,000 | 5,378 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 5,227 |
| Cash dividends | $409,000 | 3,899 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $735,980 | 5,699 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,751,000 | 4,154 |
| Total interest expense | $4,092,000 | 3,632 |
| Net interest income | $3,659,000 | 4,654 |
| Provision for loan and lease losses | $120,000 | 4,568 |
| Total noninterest income | $407,000 | 5,885 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $237,000 | 5,012 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $170,000 | 5,600 |
| Total noninterest expense | $2,855,000 | 4,470 |
| Salaries and employee benefits | $1,366,000 | 4,674 |
| Premises and equipment expense | $425,000 | 4,323 |
| Additional noninterest expense | $1,064,000 | 4,188 |
| Pre-tax net operating income | $1,091,000 | 5,441 |
| Securities gains (losses) | $9,000 | 2,573 |
| Applicable income taxes | $357,000 | 5,258 |
| Income before extraordinary items | $743,000 | 5,561 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $743,000 | 5,561 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 4,930 |
| Cash dividends | $278,000 | 4,731 |
| Sale, conversion, retirement of capital stock, net | $2,000,000 | 295 |
| Net operating income | $736,880 | 5,544 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,992,000 | 4,561 |
| Total interest expense | $3,777,000 | 3,877 |
| Net interest income | $3,215,000 | 5,206 |
| Provision for loan and lease losses | $130,000 | 3,931 |
| Total noninterest income | $317,000 | 6,895 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $232,000 | 5,168 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $85,000 | 7,757 |
| Total noninterest expense | $2,460,000 | 5,067 |
| Salaries and employee benefits | $1,120,000 | 5,530 |
| Premises and equipment expense | $385,000 | 4,687 |
| Additional noninterest expense | $955,000 | 4,527 |
| Pre-tax net operating income | $942,000 | 6,228 |
| Securities gains (losses) | $-26,000 | 10,740 |
| Applicable income taxes | $310,000 | 5,878 |
| Income before extraordinary items | $606,000 | 6,582 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $606,000 | 6,580 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,680 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $623,160 | 6,463 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,309,000 | 5,388 |
| Total interest expense | $2,705,000 | 4,333 |
| Net interest income | $2,604,000 | 6,258 |
| Provision for loan and lease losses | $180,000 | 3,202 |
| Total noninterest income | $166,000 | 9,388 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $150,000 | 6,885 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $16,000 | 11,718 |
| Total noninterest expense | $2,115,000 | 5,928 |
| Salaries and employee benefits | $924,000 | 6,492 |
| Premises and equipment expense | $320,000 | 5,433 |
| Additional noninterest expense | $871,000 | 5,323 |
| Pre-tax net operating income | $475,000 | 8,825 |
| Securities gains (losses) | $-2,000 | 9,023 |
| Applicable income taxes | $160,000 | 8,112 |
| Income before extraordinary items | $313,000 | 9,003 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $313,000 | 9,006 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,455 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $314,320 | 9,052 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,684,000 | 7,290 |
| Total interest expense | $1,751,000 | 6,482 |
| Net interest income | $1,933,000 | 7,885 |
| Provision for loan and lease losses | $142,000 | 4,798 |
| Total noninterest income | $120,000 | 10,833 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $106,000 | 8,210 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $14,000 | 12,477 |
| Total noninterest expense | $1,727,000 | 7,111 |
| Salaries and employee benefits | $719,000 | 7,878 |
| Premises and equipment expense | $231,000 | 7,075 |
| Additional noninterest expense | $777,000 | 6,061 |
| Pre-tax net operating income | $184,000 | 11,183 |
| Securities gains (losses) | $3,000 | 6,505 |
| Applicable income taxes | $62,000 | 10,653 |
| Income before extraordinary items | $125,000 | 11,519 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $125,000 | 11,574 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 9,724 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $780,000 | 520 |
| Net operating income | $122,990 | 11,333 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,778,000 | 9,373 |
| Total interest expense | $1,602,000 | 8,198 |
| Net interest income | $1,176,000 | 10,410 |
| Provision for loan and lease losses | $168,000 | 5,780 |
| Total noninterest income | $84,000 | 12,175 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $72,000 | 9,486 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $12,000 | 13,214 |
| Total noninterest expense | $1,275,000 | 8,740 |
| Salaries and employee benefits | $590,000 | 8,900 |
| Premises and equipment expense | $180,000 | 8,311 |
| Additional noninterest expense | $505,000 | 8,407 |
| Pre-tax net operating income | $-183,000 | 13,067 |
| Securities gains (losses) | $51,000 | 4,091 |
| Applicable income taxes | $-45,000 | 13,494 |
| Income before extraordinary items | $-87,000 | 13,054 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-87,000 | 13,047 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 11,020 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-120,660 | 12,950 |
* 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.