Home > Cargill Bank of Connecticut > Income and Expense

Cargill Bank of Connecticut, Income and Expense

2000-12-31 (YTD Data)		Rank
Total interest income	$11,542,000	2,990
Total interest expense	$5,975,000	2,796
Net interest income	$5,567,000	3,158
Provision for loan and lease losses	$-193,000	9,842
Total noninterest income	$334,000	6,025
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	180
Additional Noninterest Income	$334,000	3,708
Total noninterest expense	$4,582,000	2,946
Salaries and employee benefits	$1,487,000	4,384
Premises and equipment expense	$1,019,000	2,030
Additional noninterest expense	$2,076,000	2,093
Pre-tax net operating income	$1,512,000	4,053
Securities gains (losses)	$0	1,956
Applicable income taxes	$573,000	3,211
Income before extraordinary items	$939,000	4,559
Extraordinary gains, net	$0	38
Net income	$939,000	4,560
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$178,000	2,591
Cash dividends	$543,000	3,412
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$939,000	4,558
1999-12-31 (YTD Data)		Rank
Total interest income	$4,680,000	5,810
Total interest expense	$2,283,000	5,506
Net interest income	$2,397,000	5,959
Provision for loan and lease losses	$2,000	8,441
Total noninterest income	$261,000	6,825
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	173
Additional Noninterest Income	$261,000	4,344
Total noninterest expense	$2,011,000	5,662
Salaries and employee benefits	$947,000	6,110
Premises and equipment expense	$520,000	3,639
Additional noninterest expense	$544,000	6,193
Pre-tax net operating income	$645,000	6,544
Securities gains (losses)	$4,000	2,267
Applicable income taxes	$262,000	5,101
Income before extraordinary items	$387,000	7,058
Extraordinary gains, net	$0	35
Net income	$387,000	7,058
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$405,000	1,450
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$384,440	7,043
1998-12-31 (YTD Data)		Rank
Total interest income	$3,475,000	6,988
Total interest expense	$1,639,000	6,898
Net interest income	$1,836,000	6,976
Provision for loan and lease losses	$62,000	6,072
Total noninterest income	$219,000	7,344
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	224
Additional Noninterest Income	$219,000	4,731
Total noninterest expense	$1,716,000	6,192
Salaries and employee benefits	$908,000	6,176
Premises and equipment expense	$252,000	5,932
Additional noninterest expense	$556,000	6,056
Pre-tax net operating income	$277,000	8,530
Securities gains (losses)	$1,000	4,151
Applicable income taxes	$147,000	6,882
Income before extraordinary items	$131,000	9,107
Extraordinary gains, net	$0	32
Net income	$131,000	9,104
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	7,985
Cash dividends	$100,000	6,234
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$130,360	9,039
1997-12-31 (YTD Data)		Rank
Total interest income	$3,503,000	7,163
Total interest expense	$1,709,000	6,869
Net interest income	$1,794,000	7,338
Provision for loan and lease losses	$75,000	5,767
Total noninterest income	$164,000	8,379
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	239
Additional Noninterest Income	$164,000	5,461
Total noninterest expense	$1,630,000	6,472
Salaries and employee benefits	$800,000	6,781
Premises and equipment expense	$354,000	4,848
Additional noninterest expense	$476,000	6,711
Pre-tax net operating income	$253,000	9,276
Securities gains (losses)	$6,000	2,665
Applicable income taxes	$103,000	8,351
Income before extraordinary items	$156,000	9,528
Extraordinary gains, net	$0	44
Net income	$156,000	9,531
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$81,000	4,217
Cash dividends	$30,000	7,454
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$152,160	9,522
1996-12-31 (YTD Data)		Rank
Total interest income	$3,489,000	7,409
Total interest expense	$1,762,000	6,928
Net interest income	$1,727,000	7,708
Provision for loan and lease losses	$142,000	4,211
Total noninterest income	$207,000	8,128
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	262
Additional Noninterest Income	$207,000	5,068
Total noninterest expense	$1,954,000	6,031
Salaries and employee benefits	$776,000	7,112
Premises and equipment expense	$399,000	4,546
Additional noninterest expense	$779,000	5,303
Pre-tax net operating income	$-162,000	11,028
Securities gains (losses)	$47,000	1,369
Applicable income taxes	$-69,000	11,124
Income before extraordinary items	$-46,000	10,919
Extraordinary gains, net	$0	53
Net income	$-46,000	10,914
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$46,000	5,473
Cash dividends	$30,000	7,843
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$-76,080	10,919
1995-12-31 (YTD Data)		Rank
Total interest income	$3,341,000	7,751
Total interest expense	$1,687,000	7,165
Net interest income	$1,654,000	8,136
Provision for loan and lease losses	$108,000	4,448
Total noninterest income	$231,000	7,982
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	522
Additional Noninterest Income	$231,000	4,713
Total noninterest expense	$1,502,000	7,269
Salaries and employee benefits	$723,000	7,571
Premises and equipment expense	$339,000	5,146
Additional noninterest expense	$440,000	7,808
Pre-tax net operating income	$275,000	9,940
Securities gains (losses)	$-1,000	9,017
Applicable income taxes	$107,000	9,035
Income before extraordinary items	$167,000	10,294
Extraordinary gains, net	$0	65
Net income	$167,000	10,296
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$44,000	5,371
Cash dividends	$25,000	8,267
Sale, conversion, retirement of capital stock, net	NA	NA
Net operating income	$167,640	10,266
1994-12-31 (YTD Data)		Rank
Total interest income	$2,663,000	8,629
Total interest expense	$1,336,000	7,437
Net interest income	$1,327,000	9,376
Provision for loan and lease losses	$187,000	3,148
Total noninterest income	$186,000	8,994
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	475
Additional Noninterest Income	$186,000	5,508
Total noninterest expense	$1,144,000	8,829
Salaries and employee benefits	$530,000	9,127
Premises and equipment expense	$254,000	6,450
Additional noninterest expense	$360,000	9,241
Pre-tax net operating income	$182,000	11,037
Securities gains (losses)	$2,000	3,070
Applicable income taxes	$70,000	10,019
Income before extraordinary items	$114,000	11,226
Extraordinary gains, net	$0	249
Net income	$114,000	11,233
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,000	6,413
Cash dividends	$30,000	8,349
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$112,720	11,295
1993-12-31 (YTD Data)		Rank
Total interest income	$2,642,000	8,923
Total interest expense	$1,315,000	7,820
Net interest income	$1,327,000	9,654
Provision for loan and lease losses	$31,000	8,369
Total noninterest income	$176,000	9,684
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$176,000	6,056
Total noninterest expense	$1,086,000	9,374
Salaries and employee benefits	$517,000	9,500
Premises and equipment expense	$229,000	7,114
Additional noninterest expense	$340,000	9,955
Pre-tax net operating income	$386,000	9,518
Securities gains (losses)	$25,000	4,353
Applicable income taxes	$181,000	7,990
Income before extraordinary items	$230,000	10,269
Extraordinary gains, net	$-22,000	12,478
Net income	$208,000	10,657
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	9,031
Cash dividends	$307,000	4,315
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$214,000	10,241
1992-12-31 (YTD Data)		Rank
Total interest income	$3,010,000	8,949
Total interest expense	$1,646,000	8,065
Net interest income	$1,364,000	9,757
Provision for loan and lease losses	$13,000	10,972
Total noninterest income	$156,000	10,377
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$156,000	6,504
Total noninterest expense	$1,052,000	9,739
Salaries and employee benefits	$519,000	9,591
Premises and equipment expense	$221,000	7,368
Additional noninterest expense	$312,000	10,666
Pre-tax net operating income	$455,000	8,758
Securities gains (losses)	$4,000	7,235
Applicable income taxes	$200,000	7,567
Income before extraordinary items	$259,000	9,796
Extraordinary gains, net	$0	1,422
Net income	$259,000	9,939
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	10,870
Cash dividends	$75,000	7,103
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$256,440	9,470

* 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.