Home > Bernville Bank > Income and Expense
Bernville Bank, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,750,000 | 4,239 |
| Total interest expense | $4,274,000 | 3,772 |
| Net interest income | $3,476,000 | 4,630 |
| Provision for loan and lease losses | $1,725,000 | 681 |
| Total noninterest income | $517,000 | 4,833 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $325,000 | 3,813 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $192,000 | 4,897 |
| Total noninterest expense | $4,499,000 | 3,000 |
| Salaries and employee benefits | $1,721,000 | 3,911 |
| Premises and equipment expense | $1,110,000 | 1,875 |
| Additional noninterest expense | $1,668,000 | 2,553 |
| Pre-tax net operating income | $-2,231,000 | 9,831 |
| Securities gains (losses) | $-22,000 | 8,788 |
| Applicable income taxes | $-810,000 | 9,832 |
| Income before extraordinary items | $-1,443,000 | 9,787 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-1,443,000 | 9,786 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,002,000 | 749 |
| Cash dividends | $50,000 | 6,383 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-1,428,920 | 9,789 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,953,000 | 3,923 |
| Total interest expense | $4,013,000 | 3,580 |
| Net interest income | $3,940,000 | 4,237 |
| Provision for loan and lease losses | $610,000 | 1,476 |
| Total noninterest income | $699,000 | 4,005 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $309,000 | 3,905 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $390,000 | 3,487 |
| Total noninterest expense | $3,677,000 | 3,562 |
| Salaries and employee benefits | $1,949,000 | 3,525 |
| Premises and equipment expense | $736,000 | 2,749 |
| Additional noninterest expense | $992,000 | 4,045 |
| Pre-tax net operating income | $352,000 | 7,827 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $73,000 | 7,293 |
| Income before extraordinary items | $279,000 | 7,728 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $279,000 | 7,726 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $118,000 | 3,281 |
| Cash dividends | $174,000 | 5,457 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $279,000 | 7,705 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,191,000 | 4,307 |
| Total interest expense | $3,596,000 | 4,021 |
| Net interest income | $3,595,000 | 4,485 |
| Provision for loan and lease losses | $240,000 | 3,065 |
| Total noninterest income | $685,000 | 4,044 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $250,000 | 4,489 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $435,000 | 3,248 |
| Total noninterest expense | $3,191,000 | 3,898 |
| Salaries and employee benefits | $1,694,000 | 3,847 |
| Premises and equipment expense | $633,000 | 3,023 |
| Additional noninterest expense | $864,000 | 4,424 |
| Pre-tax net operating income | $849,000 | 5,904 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $249,000 | 5,656 |
| Income before extraordinary items | $600,000 | 6,057 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $600,000 | 6,056 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 4,589 |
| Cash dividends | $167,000 | 5,649 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $600,000 | 5,950 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,594,000 | 5,337 |
| Total interest expense | $2,663,000 | 5,164 |
| Net interest income | $2,931,000 | 5,403 |
| Provision for loan and lease losses | $78,000 | 5,710 |
| Total noninterest income | $440,000 | 5,405 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $208,000 | 5,235 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $232,000 | 4,581 |
| Total noninterest expense | $2,497,000 | 4,785 |
| Salaries and employee benefits | $1,262,000 | 4,888 |
| Premises and equipment expense | $431,000 | 4,185 |
| Additional noninterest expense | $804,000 | 4,708 |
| Pre-tax net operating income | $796,000 | 6,559 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $209,000 | 6,766 |
| Income before extraordinary items | $587,000 | 6,442 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $587,000 | 6,444 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,448 |
| Cash dividends | $157,000 | 5,818 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $587,000 | 6,388 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,934,000 | 5,996 |
| Total interest expense | $2,394,000 | 5,684 |
| Net interest income | $2,540,000 | 6,126 |
| Provision for loan and lease losses | $72,000 | 5,782 |
| Total noninterest income | $440,000 | 5,625 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $158,000 | 6,330 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $282,000 | 4,230 |
| Total noninterest expense | $2,054,000 | 5,838 |
| Salaries and employee benefits | $972,000 | 6,118 |
| Premises and equipment expense | $339,000 | 5,126 |
| Additional noninterest expense | $743,000 | 5,493 |
| Pre-tax net operating income | $854,000 | 6,276 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $236,000 | 6,628 |
| Income before extraordinary items | $618,000 | 6,165 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $618,000 | 6,168 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $107,000 | 3,799 |
| Cash dividends | $130,000 | 6,269 |
| Sale, conversion, retirement of capital stock, net | $1,000,000 | 374 |
| Net operating income | $618,000 | 6,102 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,328,000 | 6,644 |
| Total interest expense | $2,060,000 | 6,339 |
| Net interest income | $2,268,000 | 6,754 |
| Provision for loan and lease losses | $12,000 | 8,132 |
| Total noninterest income | $260,000 | 7,580 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $152,000 | 6,619 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $108,000 | 6,996 |
| Total noninterest expense | $1,781,000 | 6,514 |
| Salaries and employee benefits | $862,000 | 6,748 |
| Premises and equipment expense | $328,000 | 5,271 |
| Additional noninterest expense | $591,000 | 6,588 |
| Pre-tax net operating income | $735,000 | 7,134 |
| Securities gains (losses) | $-25,000 | 10,717 |
| Applicable income taxes | $197,000 | 7,466 |
| Income before extraordinary items | $513,000 | 7,146 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $513,000 | 7,145 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,925 |
| Cash dividends | $102,000 | 6,718 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $531,000 | 7,003 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,669,000 | 7,111 |
| Total interest expense | $1,500,000 | 6,889 |
| Net interest income | $2,169,000 | 7,150 |
| Provision for loan and lease losses | $8,000 | 8,632 |
| Total noninterest income | $207,000 | 8,614 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $136,000 | 7,213 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $71,000 | 8,612 |
| Total noninterest expense | $1,693,000 | 7,016 |
| Salaries and employee benefits | $810,000 | 7,153 |
| Premises and equipment expense | $311,000 | 5,548 |
| Additional noninterest expense | $572,000 | 7,239 |
| Pre-tax net operating income | $675,000 | 7,555 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $193,000 | 7,460 |
| Income before extraordinary items | $482,000 | 7,448 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $482,000 | 7,454 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 6,088 |
| Cash dividends | $92,000 | 7,085 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $482,000 | 7,490 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,696,000 | 7,271 |
| Total interest expense | $1,525,000 | 7,128 |
| Net interest income | $2,171,000 | 7,252 |
| Provision for loan and lease losses | $126,000 | 5,087 |
| Total noninterest income | $198,000 | 9,260 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $129,000 | 7,602 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $69,000 | 9,126 |
| Total noninterest expense | $1,665,000 | 7,306 |
| Salaries and employee benefits | $774,000 | 7,475 |
| Premises and equipment expense | $288,000 | 6,054 |
| Additional noninterest expense | $603,000 | 7,303 |
| Pre-tax net operating income | $578,000 | 8,099 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $126,000 | 9,172 |
| Income before extraordinary items | $452,000 | 7,957 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $452,000 | 8,134 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 8,917 |
| Cash dividends | $75,000 | 7,397 |
| Sale, conversion, retirement of capital stock, net | $495,000 | 605 |
| Net operating income | $452,000 | 7,694 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,617,000 | 8,020 |
| Total interest expense | $1,689,000 | 7,920 |
| Net interest income | $1,928,000 | 7,951 |
| Provision for loan and lease losses | $155,000 | 5,991 |
| Total noninterest income | $190,000 | 9,610 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $115,000 | 8,077 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $75,000 | 9,058 |
| Total noninterest expense | $1,462,000 | 8,065 |
| Salaries and employee benefits | $699,000 | 7,993 |
| Premises and equipment expense | $260,000 | 6,601 |
| Additional noninterest expense | $503,000 | 8,429 |
| Pre-tax net operating income | $501,000 | 8,407 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $149,000 | 8,642 |
| Income before extraordinary items | $352,000 | 8,701 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $352,000 | 8,833 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 9,962 |
| Cash dividends | $80,000 | 6,992 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $352,000 | 8,333 |
* 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.