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Cayuga Bank, Income and Expense

2001-12-31 (YTD Data)Rank
Total interest income$40,658,000842
Total interest expense$21,814,000749
Net interest income$18,844,000947
Provision for loan and lease losses$1,650,000828
Total noninterest income$3,838,0001,222
Gross Fiduciary activities income$363,000676
Service charges on deposit accounts$1,674,000881
Trading account gains and fees$0177
Additional Noninterest Income$1,801,0001,333
Total noninterest expense$16,019,000927
Salaries and employee benefits$5,639,0001,316
Premises and equipment expense$1,869,0001,137
Additional noninterest expense$8,511,000639
Pre-tax net operating income$5,013,0001,433
Securities gains (losses)$19,0003,188
Applicable income taxes$2,240,0001,073
Income before extraordinary items$2,792,0001,885
Extraordinary gains, net$0105
Net income$2,792,0001,888
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,189,000829
Cash dividends$6,000,000528
Sale, conversion, retirement of capital stock, net$0922
Net operating income$2,779,8401,813
2000-12-31 (YTD Data)Rank
Total interest income$6,875,0004,656
Total interest expense$3,853,0004,096
Net interest income$3,022,0005,133
Provision for loan and lease losses$221,0003,521
Total noninterest income$489,0004,972
Gross Fiduciary activities income$61,0001,019
Service charges on deposit accounts$205,0005,029
Trading account gains and fees$0180
Additional Noninterest Income$223,0004,540
Total noninterest expense$2,317,0005,127
Salaries and employee benefits$1,058,0005,704
Premises and equipment expense$255,0005,977
Additional noninterest expense$1,004,0003,985
Pre-tax net operating income$973,0005,326
Securities gains (losses)$01,956
Applicable income taxes$438,0003,792
Income before extraordinary items$535,0006,145
Extraordinary gains, net$038
Net income$535,0006,143
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$130,0003,120
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$0969
Net operating income$535,0006,155
1999-12-31 (YTD Data)Rank
Total interest income$32,881,0001,004
Total interest expense$15,942,000969
Net interest income$16,939,0001,035
Provision for loan and lease losses$1,360,000762
Total noninterest income$2,733,0001,464
Gross Fiduciary activities income$307,000765
Service charges on deposit accounts$1,165,0001,136
Trading account gains and fees$0173
Additional Noninterest Income$1,261,0001,580
Total noninterest expense$11,925,0001,160
Salaries and employee benefits$6,107,0001,129
Premises and equipment expense$1,227,0001,664
Additional noninterest expense$4,591,0001,023
Pre-tax net operating income$6,387,0001,198
Securities gains (losses)$31,0001,173
Applicable income taxes$2,047,0001,208
Income before extraordinary items$4,371,0001,244
Extraordinary gains, net$035
Net income$4,371,0001,242
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,915,000467
Cash dividends$3,000,000958
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$4,349,9201,233
1998-12-31 (YTD Data)Rank
Total interest income$31,928,0001,024
Total interest expense$14,906,0001,058
Net interest income$17,022,000986
Provision for loan and lease losses$1,380,000745
Total noninterest income$2,199,0001,698
Gross Fiduciary activities income$228,000842
Service charges on deposit accounts$1,100,0001,149
Trading account gains and fees$0224
Additional Noninterest Income$871,0002,049
Total noninterest expense$11,631,0001,132
Salaries and employee benefits$5,823,0001,120
Premises and equipment expense$1,174,0001,681
Additional noninterest expense$4,634,000999
Pre-tax net operating income$6,210,0001,201
Securities gains (losses)$163,0001,011
Applicable income taxes$2,223,0001,128
Income before extraordinary items$4,150,0001,286
Extraordinary gains, net$032
Net income$4,150,0001,286
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$836,000864
Cash dividends$4,744,000666
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$4,044,0501,261
1997-12-31 (YTD Data)Rank
Total interest income$29,802,0001,132
Total interest expense$13,159,0001,215
Net interest income$16,643,0001,056
Provision for loan and lease losses$1,440,000751
Total noninterest income$2,387,0001,532
Gross Fiduciary activities income$178,000925
Service charges on deposit accounts$1,102,0001,144
Trading account gains and fees$0239
Additional Noninterest Income$1,107,0001,641
Total noninterest expense$11,174,0001,185
Salaries and employee benefits$5,631,0001,163
Premises and equipment expense$1,303,0001,497
Additional noninterest expense$4,240,0001,091
Pre-tax net operating income$6,416,0001,225
Securities gains (losses)$58,0001,255
Applicable income taxes$2,404,0001,131
Income before extraordinary items$4,070,0001,341
Extraordinary gains, net$044
Net income$4,070,0001,342
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,552,000591
Cash dividends$940,0002,316
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$4,032,8801,313
1996-12-31 (YTD Data)Rank
Total interest income$27,857,0001,231
Total interest expense$12,216,0001,323
Net interest income$15,641,0001,153
Provision for loan and lease losses$1,245,000864
Total noninterest income$2,261,0001,661
Gross Fiduciary activities income$168,0001,010
Service charges on deposit accounts$1,171,0001,125
Trading account gains and fees$0262
Additional Noninterest Income$922,0001,915
Total noninterest expense$11,190,0001,284
Salaries and employee benefits$5,105,0001,315
Premises and equipment expense$1,277,0001,598
Additional noninterest expense$4,808,0001,170
Pre-tax net operating income$5,467,0001,305
Securities gains (losses)$7,0002,762
Applicable income taxes$2,156,0001,151
Income before extraordinary items$3,318,0001,488
Extraordinary gains, net$053
Net income$3,318,0001,490
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,207,000798
Cash dividends$900,0002,306
Sale, conversion, retirement of capital stock, net$0953
Net operating income$3,313,5201,457
1995-12-31 (YTD Data)Rank
Total interest income$26,291,0001,300
Total interest expense$12,012,0001,368
Net interest income$14,279,0001,262
Provision for loan and lease losses$900,0001,018
Total noninterest income$2,006,0001,826
Gross Fiduciary activities income$134,0001,096
Service charges on deposit accounts$1,103,0001,208
Trading account gains and fees$0522
Additional Noninterest Income$769,0002,168
Total noninterest expense$9,648,0001,473
Salaries and employee benefits$4,688,0001,410
Premises and equipment expense$1,289,0001,577
Additional noninterest expense$3,671,0001,431
Pre-tax net operating income$5,737,0001,335
Securities gains (losses)$-47,00011,138
Applicable income taxes$2,259,0001,136
Income before extraordinary items$3,431,0001,498
Extraordinary gains, net$065
Net income$3,431,0001,495
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$671,0001,147
Cash dividends$950,0002,150
Sale, conversion, retirement of capital stock, net$0809
Net operating income$3,461,0801,467
1994-12-31 (YTD Data)Rank
Total interest income$23,912,0001,309
Total interest expense$9,657,0001,351
Net interest income$14,255,0001,273
Provision for loan and lease losses$780,0001,121
Total noninterest income$1,920,0001,887
Gross Fiduciary activities income$65,0001,262
Service charges on deposit accounts$1,077,0001,236
Trading account gains and fees$0475
Additional Noninterest Income$778,0002,172
Total noninterest expense$11,126,0001,320
Salaries and employee benefits$4,953,0001,368
Premises and equipment expense$1,217,0001,698
Additional noninterest expense$4,956,0001,191
Pre-tax net operating income$4,269,0001,682
Securities gains (losses)$153,000597
Applicable income taxes$1,772,0001,333
Income before extraordinary items$2,650,0001,835
Extraordinary gains, net$0249
Net income$2,650,0001,834
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$387,0001,625
Cash dividends$1,010,0001,869
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$2,552,0801,901
1993-12-31 (YTD Data)Rank
Total interest income$24,000,0001,313
Total interest expense$9,976,0001,346
Net interest income$14,024,0001,284
Provision for loan and lease losses$1,355,0001,070
Total noninterest income$1,962,0002,009
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$968,0001,382
Trading account gains and fees$0532
Additional Noninterest Income$994,0002,040
Total noninterest expense$10,289,0001,488
Salaries and employee benefits$4,819,0001,397
Premises and equipment expense$1,263,0001,655
Additional noninterest expense$4,207,0001,455
Pre-tax net operating income$4,342,0001,606
Securities gains (losses)$07,477
Applicable income taxes$1,630,0001,462
Income before extraordinary items$2,712,0001,837
Extraordinary gains, net$03,149
Net income$2,712,0001,900
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,197,0001,015
Cash dividends$1,000,0001,731
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$2,712,0001,732
1992-12-31 (YTD Data)Rank
Total interest income$24,988,0001,463
Total interest expense$11,855,0001,492
Net interest income$13,133,0001,408
Provision for loan and lease losses$1,740,0001,273
Total noninterest income$1,756,0002,125
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$956,0001,401
Trading account gains and fees$0504
Additional Noninterest Income$800,0002,309
Total noninterest expense$10,007,0001,536
Salaries and employee benefits$4,328,0001,537
Premises and equipment expense$1,471,0001,457
Additional noninterest expense$4,208,0001,541
Pre-tax net operating income$3,142,0001,979
Securities gains (losses)$2,0007,695
Applicable income taxes$1,151,0001,832
Income before extraordinary items$1,993,0002,304
Extraordinary gains, net$01,422
Net income$1,993,0002,341
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,233,0001,378
Cash dividends$875,0001,749
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$1,991,7202,131

* 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.