Home > Baldwinville Co-operative Bank > Income and Expense
Baldwinville Co-operative Bank, Income and Expense
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $336,000 | 13,159 |
| Total interest expense | $103,000 | 13,168 |
| Net interest income | $233,000 | 13,100 |
| Provision for loan and lease losses | $47,000 | 7,653 |
| Total noninterest income | $6,000 | 13,192 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 11,351 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $6,000 | 12,981 |
| Total noninterest expense | $131,000 | 13,247 |
| Salaries and employee benefits | $72,000 | 13,229 |
| Premises and equipment expense | $9,000 | 13,215 |
| Additional noninterest expense | $50,000 | 13,214 |
| Pre-tax net operating income | $61,000 | 12,109 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $7,000 | 11,895 |
| Income before extraordinary items | $54,000 | 12,221 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $54,000 | 12,248 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 8,678 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $54,000 | 12,074 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $305,000 | 13,824 |
| Total interest expense | $138,000 | 13,787 |
| Net interest income | $167,000 | 13,802 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $5,000 | 13,838 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 11,764 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $5,000 | 13,675 |
| Total noninterest expense | $118,000 | 13,883 |
| Salaries and employee benefits | $69,000 | 13,856 |
| Premises and equipment expense | $9,000 | 13,848 |
| Additional noninterest expense | $40,000 | 13,874 |
| Pre-tax net operating income | $54,000 | 12,387 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $8,000 | 12,420 |
| Income before extraordinary items | $46,000 | 12,596 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $46,000 | 12,603 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 12,286 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $46,000 | 12,339 |
* 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.