Home > Bank of Livingston County > Income and Expense
Bank of Livingston County, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,610,000 | 7,786 |
| Total interest expense | $1,177,000 | 7,705 |
| Net interest income | $1,433,000 | 7,720 |
| Provision for loan and lease losses | $100,000 | 5,206 |
| Total noninterest income | $325,000 | 6,213 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $170,000 | 5,531 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $155,000 | 5,532 |
| Total noninterest expense | $1,219,000 | 7,523 |
| Salaries and employee benefits | $592,000 | 7,801 |
| Premises and equipment expense | $176,000 | 7,199 |
| Additional noninterest expense | $451,000 | 6,893 |
| Pre-tax net operating income | $439,000 | 7,414 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $439,000 | 6,770 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $439,000 | 6,767 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 4,912 |
| Cash dividends | $208,000 | 5,160 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $439,000 | 6,746 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,580,000 | 8,009 |
| Total interest expense | $1,135,000 | 8,061 |
| Net interest income | $1,445,000 | 7,811 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $301,000 | 6,476 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $153,000 | 5,885 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $148,000 | 5,717 |
| Total noninterest expense | $1,054,000 | 7,956 |
| Salaries and employee benefits | $536,000 | 8,140 |
| Premises and equipment expense | $171,000 | 7,213 |
| Additional noninterest expense | $347,000 | 7,696 |
| Pre-tax net operating income | $692,000 | 6,518 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $692,000 | 5,657 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $692,000 | 5,656 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,323 |
| Cash dividends | $255,000 | 4,899 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $692,000 | 5,545 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,507,000 | 8,365 |
| Total interest expense | $1,143,000 | 8,275 |
| Net interest income | $1,364,000 | 8,312 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $296,000 | 6,691 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $159,000 | 6,020 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $137,000 | 5,936 |
| Total noninterest expense | $979,000 | 8,421 |
| Salaries and employee benefits | $508,000 | 8,544 |
| Premises and equipment expense | $168,000 | 7,420 |
| Additional noninterest expense | $303,000 | 8,290 |
| Pre-tax net operating income | $681,000 | 7,048 |
| Securities gains (losses) | $3,000 | 3,097 |
| Applicable income taxes | $108,000 | 8,273 |
| Income before extraordinary items | $576,000 | 6,499 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $576,000 | 6,501 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 7,179 |
| Cash dividends | $281,000 | 4,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $573,480 | 6,460 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,465,000 | 8,733 |
| Total interest expense | $1,042,000 | 8,875 |
| Net interest income | $1,423,000 | 8,460 |
| Provision for loan and lease losses | $95,000 | 5,238 |
| Total noninterest income | $297,000 | 6,989 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $150,000 | 6,460 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $147,000 | 6,025 |
| Total noninterest expense | $948,000 | 8,886 |
| Salaries and employee benefits | $511,000 | 8,787 |
| Premises and equipment expense | $77,000 | 9,895 |
| Additional noninterest expense | $360,000 | 8,263 |
| Pre-tax net operating income | $677,000 | 7,039 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $226,000 | 6,757 |
| Income before extraordinary items | $451,000 | 7,227 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $451,000 | 7,230 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,797 |
| Cash dividends | $5,000 | 8,271 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $451,000 | 7,178 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,260,000 | 9,319 |
| Total interest expense | $996,000 | 9,269 |
| Net interest income | $1,264,000 | 9,174 |
| Provision for loan and lease losses | $50,000 | 6,165 |
| Total noninterest income | $258,000 | 7,607 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $116,000 | 7,402 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $142,000 | 6,145 |
| Total noninterest expense | $962,000 | 9,108 |
| Salaries and employee benefits | $471,000 | 9,352 |
| Premises and equipment expense | $81,000 | 10,165 |
| Additional noninterest expense | $410,000 | 8,093 |
| Pre-tax net operating income | $510,000 | 8,377 |
| Securities gains (losses) | $-1,000 | 9,017 |
| Applicable income taxes | $156,000 | 8,168 |
| Income before extraordinary items | $353,000 | 8,453 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $353,000 | 8,454 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 7,181 |
| Cash dividends | $5,000 | 8,648 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $353,690 | 8,430 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,883,000 | 10,022 |
| Total interest expense | $780,000 | 9,705 |
| Net interest income | $1,103,000 | 10,054 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $222,000 | 8,355 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $106,000 | 7,946 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $116,000 | 7,032 |
| Total noninterest expense | $887,000 | 9,837 |
| Salaries and employee benefits | $428,000 | 10,020 |
| Premises and equipment expense | $133,000 | 9,004 |
| Additional noninterest expense | $326,000 | 9,645 |
| Pre-tax net operating income | $438,000 | 9,073 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $131,000 | 8,694 |
| Income before extraordinary items | $307,000 | 9,072 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $307,000 | 9,076 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 10,077 |
| Cash dividends | $5,000 | 8,858 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $307,000 | 9,140 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,866,000 | 10,460 |
| Total interest expense | $758,000 | 10,264 |
| Net interest income | $1,108,000 | 10,373 |
| Provision for loan and lease losses | $92,000 | 5,973 |
| Total noninterest income | $236,000 | 8,608 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $110,000 | 8,108 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $126,000 | 7,138 |
| Total noninterest expense | $853,000 | 10,421 |
| Salaries and employee benefits | $423,000 | 10,412 |
| Premises and equipment expense | $125,000 | 9,643 |
| Additional noninterest expense | $305,000 | 10,379 |
| Pre-tax net operating income | $399,000 | 9,425 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $151,000 | 8,625 |
| Income before extraordinary items | $248,000 | 10,067 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $248,000 | 10,211 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 8,052 |
| Cash dividends | $5,000 | 8,993 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $248,000 | 9,820 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,140,000 | 10,610 |
| Total interest expense | $1,026,000 | 10,282 |
| Net interest income | $1,114,000 | 10,651 |
| Provision for loan and lease losses | $49,000 | 9,137 |
| Total noninterest income | $205,000 | 9,315 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $108,000 | 8,278 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $97,000 | 8,166 |
| Total noninterest expense | $875,000 | 10,640 |
| Salaries and employee benefits | $445,000 | 10,355 |
| Premises and equipment expense | $113,000 | 10,290 |
| Additional noninterest expense | $317,000 | 10,589 |
| Pre-tax net operating income | $395,000 | 9,290 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $150,000 | 8,614 |
| Income before extraordinary items | $245,000 | 9,987 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $245,000 | 10,136 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 10,870 |
| Cash dividends | $5,000 | 8,820 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $245,000 | 9,612 |
* 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.