Home > Vermont Federal National Bank > Income and Expense
Vermont Federal National Bank, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $60,907,000 | 628 |
| Total interest expense | $32,028,000 | 584 |
| Net interest income | $28,879,000 | 676 |
| Provision for loan and lease losses | $605,000 | 1,489 |
| Total noninterest income | $10,066,000 | 584 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $10,066,000 | 423 |
| Total noninterest expense | $33,333,000 | 515 |
| Salaries and employee benefits | $11,647,000 | 596 |
| Premises and equipment expense | $6,383,000 | 387 |
| Additional noninterest expense | $15,303,000 | 486 |
| Pre-tax net operating income | $5,007,000 | 1,436 |
| Securities gains (losses) | $2,033,000 | 151 |
| Applicable income taxes | $2,584,000 | 988 |
| Income before extraordinary items | $4,456,000 | 1,149 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $4,456,000 | 1,150 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,357,000 | 422 |
| Cash dividends | $2,730,000 | 1,033 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $3,154,880 | 1,541 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $60,470,000 | 657 |
| Total interest expense | $33,516,000 | 596 |
| Net interest income | $26,954,000 | 734 |
| Provision for loan and lease losses | $2,017,000 | 570 |
| Total noninterest income | $9,646,000 | 613 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $9,646,000 | 436 |
| Total noninterest expense | $27,817,000 | 610 |
| Salaries and employee benefits | $11,460,000 | 610 |
| Premises and equipment expense | $5,231,000 | 470 |
| Additional noninterest expense | $11,126,000 | 630 |
| Pre-tax net operating income | $6,766,000 | 1,149 |
| Securities gains (losses) | $2,018,000 | 132 |
| Applicable income taxes | $2,966,000 | 929 |
| Income before extraordinary items | $5,818,000 | 928 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $5,818,000 | 928 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-161,000 | 11,831 |
| Cash dividends | $1,511,000 | 1,491 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $4,486,120 | 1,160 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $35,919,000 | 891 |
| Total interest expense | $19,345,000 | 737 |
| Net interest income | $16,574,000 | 1,110 |
| Provision for loan and lease losses | $472,000 | 1,616 |
| Total noninterest income | $6,436,000 | 784 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $6,436,000 | 549 |
| Total noninterest expense | $18,158,000 | 872 |
| Salaries and employee benefits | $7,477,000 | 909 |
| Premises and equipment expense | $3,409,000 | 681 |
| Additional noninterest expense | $7,272,000 | 884 |
| Pre-tax net operating income | $4,380,000 | 1,635 |
| Securities gains (losses) | $363,000 | 343 |
| Applicable income taxes | $1,670,000 | 1,405 |
| Income before extraordinary items | $3,073,000 | 1,594 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $3,073,000 | 1,594 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,864,000 | 584 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,837,050 | 1,730 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $31,568,000 | 1,017 |
| Total interest expense | $17,589,000 | 799 |
| Net interest income | $13,979,000 | 1,289 |
| Provision for loan and lease losses | $1,042,000 | 1,262 |
| Total noninterest income | $6,571,000 | 805 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $6,571,000 | 558 |
| Total noninterest expense | $18,254,000 | 908 |
| Salaries and employee benefits | $6,890,000 | 984 |
| Premises and equipment expense | $3,290,000 | 717 |
| Additional noninterest expense | $8,074,000 | 890 |
| Pre-tax net operating income | $1,254,000 | 5,018 |
| Securities gains (losses) | $1,755,000 | 358 |
| Applicable income taxes | $574,000 | 3,733 |
| Income before extraordinary items | $2,435,000 | 2,053 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,435,000 | 2,139 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,325,000 | 527 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,013,450 | 4,415 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $32,675,000 | 1,112 |
| Total interest expense | $20,788,000 | 886 |
| Net interest income | $11,887,000 | 1,552 |
| Provision for loan and lease losses | $1,958,000 | 1,171 |
| Total noninterest income | $6,347,000 | 821 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $6,347,000 | 571 |
| Total noninterest expense | $17,343,000 | 951 |
| Salaries and employee benefits | $6,800,000 | 1,003 |
| Premises and equipment expense | $3,291,000 | 735 |
| Additional noninterest expense | $7,252,000 | 987 |
| Pre-tax net operating income | $-1,067,000 | 13,489 |
| Securities gains (losses) | $2,223,000 | 378 |
| Applicable income taxes | $326,000 | 5,617 |
| Income before extraordinary items | $830,000 | 5,216 |
| Extraordinary gains, net | $313,000 | 300 |
| Net income | $1,143,000 | 4,025 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,799,000 | 540 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-770,560 | 13,401 |
* 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.