Home > Savings Bank of the Finger Lakes, FSB > Income and Expense
Savings Bank of the Finger Lakes, FSB, Income and Expense
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $22,547,000 | 1,354 |
| Total interest expense | $11,771,000 | 951 |
| Net interest income | $10,776,000 | 1,799 |
| Provision for loan and lease losses | $860,000 | 1,536 |
| Total noninterest income | $2,505,000 | 1,797 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,505,000 | 1,127 |
| Total noninterest expense | $11,704,000 | 1,321 |
| Salaries and employee benefits | $7,487,000 | 1,062 |
| Premises and equipment expense | $1,815,000 | 1,218 |
| Additional noninterest expense | $2,402,000 | 1,929 |
| Pre-tax net operating income | $717,000 | 6,017 |
| Securities gains (losses) | $990,000 | 427 |
| Applicable income taxes | $353,000 | 4,137 |
| Income before extraordinary items | $1,354,000 | 3,780 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,354,000 | 3,780 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $414,000 | 1,892 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $571,900 | 5,947 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $23,212,000 | 1,467 |
| Total interest expense | $14,110,000 | 1,136 |
| Net interest income | $9,102,000 | 1,958 |
| Provision for loan and lease losses | $375,000 | 2,752 |
| Total noninterest income | $2,061,000 | 1,967 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $2,061,000 | 1,221 |
| Total noninterest expense | $8,724,000 | 1,666 |
| Salaries and employee benefits | $4,574,000 | 1,639 |
| Premises and equipment expense | $1,821,000 | 1,170 |
| Additional noninterest expense | $2,329,000 | 1,938 |
| Pre-tax net operating income | $2,064,000 | 3,108 |
| Securities gains (losses) | $659,000 | 528 |
| Applicable income taxes | $821,000 | 2,377 |
| Income before extraordinary items | $1,902,000 | 2,653 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,902,000 | 2,658 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $309,000 | 2,196 |
| Cash dividends | $3,300,000 | 845 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,440,700 | 3,220 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $22,149,000 | 1,556 |
| Total interest expense | $13,780,000 | 1,267 |
| Net interest income | $8,369,000 | 2,117 |
| Provision for loan and lease losses | $260,000 | 3,149 |
| Total noninterest income | $1,049,000 | 3,033 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,049,000 | 1,798 |
| Total noninterest expense | $7,997,000 | 1,744 |
| Salaries and employee benefits | $4,171,000 | 1,722 |
| Premises and equipment expense | $1,760,000 | 1,139 |
| Additional noninterest expense | $2,066,000 | 2,098 |
| Pre-tax net operating income | $1,161,000 | 4,820 |
| Securities gains (losses) | $149,000 | 478 |
| Applicable income taxes | $498,000 | 3,494 |
| Income before extraordinary items | $812,000 | 5,000 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $812,000 | 4,999 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $142,000 | 2,962 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $716,640 | 5,361 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $20,093,000 | 1,614 |
| Total interest expense | $12,037,000 | 1,256 |
| Net interest income | $8,056,000 | 2,179 |
| Provision for loan and lease losses | $200,000 | 3,546 |
| Total noninterest income | $1,081,000 | 2,920 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,081,000 | 1,764 |
| Total noninterest expense | $7,064,000 | 1,942 |
| Salaries and employee benefits | $3,751,000 | 1,858 |
| Premises and equipment expense | $1,531,000 | 1,327 |
| Additional noninterest expense | $1,782,000 | 2,439 |
| Pre-tax net operating income | $1,873,000 | 3,503 |
| Securities gains (losses) | $300,000 | 455 |
| Applicable income taxes | $864,000 | 2,472 |
| Income before extraordinary items | $1,309,000 | 3,624 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,309,000 | 3,625 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 5,786 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,117,000 | 4,046 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $18,469,000 | 1,755 |
| Total interest expense | $11,206,000 | 1,377 |
| Net interest income | $7,263,000 | 2,349 |
| Provision for loan and lease losses | $240,000 | 3,065 |
| Total noninterest income | $341,000 | 6,089 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $341,000 | 3,746 |
| Total noninterest expense | $6,553,000 | 2,000 |
| Salaries and employee benefits | $3,532,000 | 1,884 |
| Premises and equipment expense | $1,368,000 | 1,433 |
| Additional noninterest expense | $1,653,000 | 2,528 |
| Pre-tax net operating income | $811,000 | 6,048 |
| Securities gains (losses) | $383,000 | 643 |
| Applicable income taxes | $469,000 | 4,011 |
| Income before extraordinary items | $725,000 | 5,504 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $725,000 | 5,504 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $213,000 | 2,338 |
| Cash dividends | $201,000 | 5,319 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $479,880 | 6,627 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $15,731,000 | 2,073 |
| Total interest expense | $9,198,000 | 1,694 |
| Net interest income | $6,533,000 | 2,666 |
| Provision for loan and lease losses | $120,000 | 4,629 |
| Total noninterest income | $449,000 | 5,337 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $449,000 | 3,045 |
| Total noninterest expense | $5,622,000 | 2,294 |
| Salaries and employee benefits | $3,043,000 | 2,177 |
| Premises and equipment expense | $1,107,000 | 1,782 |
| Additional noninterest expense | $1,472,000 | 2,777 |
| Pre-tax net operating income | $1,240,000 | 5,130 |
| Securities gains (losses) | $168,000 | 788 |
| Applicable income taxes | $561,000 | 3,869 |
| Income before extraordinary items | $847,000 | 5,265 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $847,000 | 5,267 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-35,000 | 10,406 |
| Cash dividends | $236,000 | 5,062 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $739,480 | 5,684 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $13,472,000 | 2,476 |
| Total interest expense | $7,359,000 | 2,130 |
| Net interest income | $6,113,000 | 2,903 |
| Provision for loan and lease losses | $404,000 | 2,066 |
| Total noninterest income | $477,000 | 5,325 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $477,000 | 3,025 |
| Total noninterest expense | $6,141,000 | 2,233 |
| Salaries and employee benefits | $2,745,000 | 2,428 |
| Premises and equipment expense | $1,020,000 | 1,966 |
| Additional noninterest expense | $2,376,000 | 2,099 |
| Pre-tax net operating income | $45,000 | 10,623 |
| Securities gains (losses) | $14,000 | 2,256 |
| Applicable income taxes | $24,000 | 10,128 |
| Income before extraordinary items | $35,000 | 10,657 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $35,000 | 10,654 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $205,000 | 2,630 |
| Cash dividends | $236,000 | 5,109 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $26,040 | 10,649 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $12,158,000 | 2,752 |
| Total interest expense | $6,437,000 | 2,407 |
| Net interest income | $5,721,000 | 3,104 |
| Provision for loan and lease losses | $371,000 | 1,965 |
| Total noninterest income | $245,000 | 7,763 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $245,000 | 4,540 |
| Total noninterest expense | $6,667,000 | 2,070 |
| Salaries and employee benefits | $2,439,000 | 2,742 |
| Premises and equipment expense | $1,060,000 | 1,918 |
| Additional noninterest expense | $3,168,000 | 1,625 |
| Pre-tax net operating income | $-1,072,000 | 11,881 |
| Securities gains (losses) | $-119,000 | 11,556 |
| Applicable income taxes | $-456,000 | 11,865 |
| Income before extraordinary items | $-735,000 | 11,839 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-735,000 | 11,837 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $262,000 | 2,121 |
| Cash dividends | $238,000 | 5,126 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $-658,840 | 11,814 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $11,550,000 | 2,618 |
| Total interest expense | $5,829,000 | 2,147 |
| Net interest income | $5,721,000 | 3,135 |
| Provision for loan and lease losses | $344,000 | 2,059 |
| Total noninterest income | $256,000 | 7,861 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $256,000 | 4,515 |
| Total noninterest expense | $4,428,000 | 3,106 |
| Salaries and employee benefits | $2,070,000 | 3,178 |
| Premises and equipment expense | $891,000 | 2,265 |
| Additional noninterest expense | $1,467,000 | 3,378 |
| Pre-tax net operating income | $1,205,000 | 5,222 |
| Securities gains (losses) | $81,000 | 873 |
| Applicable income taxes | $517,000 | 3,952 |
| Income before extraordinary items | $769,000 | 5,507 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $769,000 | 5,523 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $333,000 | 1,787 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $4,663,000 | 186 |
| Net operating income | $717,160 | 5,886 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $11,850,000 | 2,604 |
| Total interest expense | $6,029,000 | 2,160 |
| Net interest income | $5,821,000 | 3,112 |
| Provision for loan and lease losses | $491,000 | 2,131 |
| Total noninterest income | $361,000 | 6,893 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $361,000 | 4,032 |
| Total noninterest expense | $4,236,000 | 3,308 |
| Salaries and employee benefits | $1,921,000 | 3,397 |
| Premises and equipment expense | $839,000 | 2,438 |
| Additional noninterest expense | $1,476,000 | 3,555 |
| Pre-tax net operating income | $1,455,000 | 4,443 |
| Securities gains (losses) | $209,000 | 1,643 |
| Applicable income taxes | $606,000 | 3,567 |
| Income before extraordinary items | $1,058,000 | 4,468 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,058,000 | 4,597 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $316,000 | 2,391 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $924,240 | 4,759 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $13,293,000 | 2,651 |
| Total interest expense | $7,949,000 | 2,142 |
| Net interest income | $5,344,000 | 3,417 |
| Provision for loan and lease losses | $500,000 | 2,991 |
| Total noninterest income | $671,000 | 4,555 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $671,000 | 2,613 |
| Total noninterest expense | $4,680,000 | 3,047 |
| Salaries and employee benefits | $1,883,000 | 3,388 |
| Premises and equipment expense | $938,000 | 2,220 |
| Additional noninterest expense | $1,859,000 | 2,984 |
| Pre-tax net operating income | $835,000 | 6,403 |
| Securities gains (losses) | $113,000 | 2,816 |
| Applicable income taxes | $368,000 | 5,114 |
| Income before extraordinary items | $580,000 | 6,701 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $580,000 | 6,785 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $299,000 | 3,339 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $507,680 | 6,890 |
* 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.