Home > Bank of Belfast > Income and Expense

Bank of Belfast, Income and Expense

2001-12-31 (YTD Data)		Rank
Total interest income	$1,790,000	8,431
Total interest expense	$810,000	8,411
Net interest income	$980,000	8,328
Provision for loan and lease losses	$140,000	4,923
Total noninterest income	$190,000	7,402
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$129,000	6,100
Trading account gains and fees	$0	177
Additional Noninterest Income	$61,000	7,372
Total noninterest expense	$834,000	8,380
Salaries and employee benefits	$453,000	8,384
Premises and equipment expense	$112,000	8,121
Additional noninterest expense	$269,000	8,080
Pre-tax net operating income	$196,000	7,908
Securities gains (losses)	$0	4,612
Applicable income taxes	$37,000	6,929
Income before extraordinary items	$159,000	7,972
Extraordinary gains, net	$0	105
Net income	$159,000	7,975
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$149,000	3,389
Cash dividends	$48,000	6,208
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$159,000	7,858
2000-12-31 (YTD Data)		Rank
Total interest income	$1,934,000	8,471
Total interest expense	$875,000	8,480
Net interest income	$1,059,000	8,372
Provision for loan and lease losses	$121,000	4,816
Total noninterest income	$189,000	7,387
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$140,000	5,913
Trading account gains and fees	NA	NA
Additional Noninterest Income	$49,000	7,858
Total noninterest expense	$838,000	8,457
Salaries and employee benefits	$452,000	8,488
Premises and equipment expense	$115,000	8,191
Additional noninterest expense	$271,000	8,185
Pre-tax net operating income	$289,000	7,950
Securities gains (losses)	$0	1,956
Applicable income taxes	$105,000	6,454
Income before extraordinary items	$184,000	8,169
Extraordinary gains, net	$0	38
Net income	$184,000	8,167
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$180,000	2,565
Cash dividends	$30,000	6,576
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$184,000	8,173
1999-12-31 (YTD Data)		Rank
Total interest income	$1,964,000	8,550
Total interest expense	$823,000	8,630
Net interest income	$1,141,000	8,316
Provision for loan and lease losses	$70,000	5,912
Total noninterest income	$164,000	7,923
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$124,000	6,281
Trading account gains and fees	NA	NA
Additional Noninterest Income	$40,000	8,414
Total noninterest expense	$862,000	8,559
Salaries and employee benefits	$458,000	8,582
Premises and equipment expense	$119,000	8,257
Additional noninterest expense	$285,000	8,244
Pre-tax net operating income	$373,000	7,724
Securities gains (losses)	$0	3,155
Applicable income taxes	$160,000	6,155
Income before extraordinary items	$213,000	8,197
Extraordinary gains, net	$0	35
Net income	$213,000	8,195
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$21,000	6,038
Cash dividends	$24,000	6,901
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$213,000	8,170
1998-12-31 (YTD Data)		Rank
Total interest income	$1,885,000	8,823
Total interest expense	$769,000	9,014
Net interest income	$1,116,000	8,535
Provision for loan and lease losses	$69,000	5,910
Total noninterest income	$166,000	8,007
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$137,000	6,148
Trading account gains and fees	NA	NA
Additional Noninterest Income	$29,000	9,064
Total noninterest expense	$857,000	8,578
Salaries and employee benefits	$456,000	8,625
Premises and equipment expense	$107,000	8,565
Additional noninterest expense	$294,000	8,168
Pre-tax net operating income	$356,000	8,115
Securities gains (losses)	$0	4,449
Applicable income taxes	$147,000	6,882
Income before extraordinary items	$209,000	8,555
Extraordinary gains, net	$0	32
Net income	$209,000	8,554
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$72,000	4,245
Cash dividends	$36,000	7,066
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$209,000	8,476
1997-12-31 (YTD Data)		Rank
Total interest income	$1,625,000	9,525
Total interest expense	$718,000	9,498
Net interest income	$907,000	9,405
Provision for loan and lease losses	$54,000	6,513
Total noninterest income	$160,000	8,428
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$117,000	6,834
Trading account gains and fees	NA	NA
Additional Noninterest Income	$43,000	8,733
Total noninterest expense	$766,000	9,160
Salaries and employee benefits	$418,000	9,145
Premises and equipment expense	$125,000	8,362
Additional noninterest expense	$223,000	9,142
Pre-tax net operating income	$247,000	9,307
Securities gains (losses)	$0	3,944
Applicable income taxes	$97,000	8,449
Income before extraordinary items	$150,000	9,588
Extraordinary gains, net	$0	44
Net income	$150,000	9,591
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$50,000	5,126
Cash dividends	$30,000	7,454
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$150,000	9,546
1996-12-31 (YTD Data)		Rank
Total interest income	$1,639,000	9,916
Total interest expense	$701,000	9,963
Net interest income	$938,000	9,731
Provision for loan and lease losses	$54,000	6,461
Total noninterest income	$130,000	9,364
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$102,000	7,439
Trading account gains and fees	NA	NA
Additional Noninterest Income	$28,000	9,949
Total noninterest expense	$719,000	9,741
Salaries and employee benefits	$395,000	9,636
Premises and equipment expense	$114,000	8,934
Additional noninterest expense	$210,000	9,825
Pre-tax net operating income	$295,000	9,165
Securities gains (losses)	$1,000	3,760
Applicable income taxes	$119,000	8,411
Income before extraordinary items	$177,000	9,516
Extraordinary gains, net	$0	53
Net income	$177,000	9,517
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$83,000	4,297
Cash dividends	$30,000	7,843
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$176,360	9,472
1995-12-31 (YTD Data)		Rank
Total interest income	$1,544,000	10,454
Total interest expense	$638,000	10,537
Net interest income	$906,000	10,222
Provision for loan and lease losses	$54,000	6,067
Total noninterest income	$146,000	9,381
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$100,000	7,786
Trading account gains and fees	NA	NA
Additional Noninterest Income	$46,000	9,426
Total noninterest expense	$683,000	10,254
Salaries and employee benefits	$372,000	10,154
Premises and equipment expense	$115,000	9,181
Additional noninterest expense	$196,000	10,460
Pre-tax net operating income	$315,000	9,631
Securities gains (losses)	$0	3,831
Applicable income taxes	$114,000	8,898
Income before extraordinary items	$201,000	9,910
Extraordinary gains, net	$0	65
Net income	$201,000	9,915
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$49,000	5,173
Cash dividends	$24,000	8,316
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$201,000	9,887
1994-12-31 (YTD Data)		Rank
Total interest income	$1,212,000	11,325
Total interest expense	$393,000	11,622
Net interest income	$819,000	10,992
Provision for loan and lease losses	$43,000	6,473
Total noninterest income	$127,000	10,164
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$93,000	8,278
Trading account gains and fees	NA	NA
Additional Noninterest Income	$34,000	10,550
Total noninterest expense	$626,000	11,002
Salaries and employee benefits	$320,000	11,015
Premises and equipment expense	$111,000	9,669
Additional noninterest expense	$195,000	11,210
Pre-tax net operating income	$277,000	10,300
Securities gains (losses)	$0	3,600
Applicable income taxes	$103,000	9,288
Income before extraordinary items	$174,000	10,575
Extraordinary gains, net	$0	249
Net income	$174,000	10,582
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	7,099
Cash dividends	$18,000	8,631
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$174,000	10,609
1993-12-31 (YTD Data)		Rank
Total interest income	$1,136,000	12,012
Total interest expense	$384,000	12,297
Net interest income	$752,000	11,690
Provision for loan and lease losses	$52,000	7,360
Total noninterest income	$127,000	10,684
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$95,000	8,525
Trading account gains and fees	NA	NA
Additional Noninterest Income	$32,000	11,170
Total noninterest expense	$561,000	11,848
Salaries and employee benefits	$275,000	11,927
Premises and equipment expense	$109,000	10,160
Additional noninterest expense	$177,000	12,062
Pre-tax net operating income	$266,000	10,495
Securities gains (losses)	$0	7,477
Applicable income taxes	$96,000	9,830
Income before extraordinary items	$170,000	10,976
Extraordinary gains, net	$0	3,149
Net income	$170,000	11,069
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$32,000	6,927
Cash dividends	$15,000	8,780
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$170,000	10,781
1992-12-31 (YTD Data)		Rank
Total interest income	$1,130,000	12,763
Total interest expense	$434,000	13,049
Net interest income	$696,000	12,331
Provision for loan and lease losses	$74,000	8,124
Total noninterest income	$95,000	11,854
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$74,000	9,405
Trading account gains and fees	NA	NA
Additional Noninterest Income	$21,000	12,470
Total noninterest expense	$577,000	12,194
Salaries and employee benefits	$263,000	12,461
Premises and equipment expense	$123,000	9,930
Additional noninterest expense	$191,000	12,354
Pre-tax net operating income	$140,000	11,619
Securities gains (losses)	$0	8,369
Applicable income taxes	$44,000	11,422
Income before extraordinary items	$96,000	11,992
Extraordinary gains, net	$0	1,422
Net income	$96,000	12,059
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,000	9,710
Cash dividends	$6,000	8,796
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$96,000	11,694

* 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.