Home > Community Bank of Pittsfield > Income and Expense
Community Bank of Pittsfield, Income and Expense
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $303,000 | 8,246 |
| Total interest expense | $132,000 | 7,831 |
| Net interest income | $171,000 | 8,387 |
| Provision for loan and lease losses | $3,000 | 5,795 |
| Total noninterest income | $11,000 | 8,408 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $7,000 | 7,331 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $4,000 | 8,174 |
| Total noninterest expense | $163,000 | 8,301 |
| Salaries and employee benefits | $67,000 | 8,541 |
| Premises and equipment expense | $33,000 | 7,508 |
| Additional noninterest expense | $63,000 | 7,866 |
| Pre-tax net operating income | $16,000 | 8,067 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $21,000 | 5,307 |
| Income before extraordinary items | $-5,000 | 8,233 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-5,000 | 8,234 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 3,757 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $-5,000 | 8,224 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,280,000 | 8,102 |
| Total interest expense | $521,000 | 7,558 |
| Net interest income | $759,000 | 8,268 |
| Provision for loan and lease losses | $45,000 | 5,862 |
| Total noninterest income | $53,000 | 8,402 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $42,000 | 7,197 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $11,000 | 8,394 |
| Total noninterest expense | $679,000 | 8,275 |
| Salaries and employee benefits | $283,000 | 8,525 |
| Premises and equipment expense | $122,000 | 7,626 |
| Additional noninterest expense | $274,000 | 7,785 |
| Pre-tax net operating income | $88,000 | 8,029 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $53,000 | 5,834 |
| Income before extraordinary items | $35,000 | 8,192 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $35,000 | 8,193 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 3,813 |
| Cash dividends | $600,000 | 3,308 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $35,000 | 8,160 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $968,000 | 8,118 |
| Total interest expense | $382,000 | 7,551 |
| Net interest income | $586,000 | 8,290 |
| Provision for loan and lease losses | $42,000 | 5,513 |
| Total noninterest income | $41,000 | 8,435 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $31,000 | 7,250 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $10,000 | 8,374 |
| Total noninterest expense | $505,000 | 8,277 |
| Salaries and employee benefits | $209,000 | 8,538 |
| Premises and equipment expense | $92,000 | 7,600 |
| Additional noninterest expense | $204,000 | 7,799 |
| Pre-tax net operating income | $80,000 | 8,090 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $52,000 | 5,767 |
| Income before extraordinary items | $28,000 | 8,273 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $28,000 | 8,274 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 3,359 |
| Cash dividends | $600,000 | 2,503 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $28,000 | 8,239 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $648,000 | 8,124 |
| Total interest expense | $251,000 | 7,516 |
| Net interest income | $397,000 | 8,293 |
| Provision for loan and lease losses | $9,000 | 6,195 |
| Total noninterest income | $26,000 | 8,459 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $19,000 | 7,307 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $7,000 | 8,349 |
| Total noninterest expense | $338,000 | 8,271 |
| Salaries and employee benefits | $132,000 | 8,585 |
| Premises and equipment expense | $62,000 | 7,574 |
| Additional noninterest expense | $144,000 | 7,710 |
| Pre-tax net operating income | $76,000 | 7,990 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $39,000 | 5,711 |
| Income before extraordinary items | $37,000 | 8,191 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $37,000 | 8,191 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 2,666 |
| Cash dividends | $600,000 | 1,914 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $37,000 | 8,156 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $326,000 | 8,165 |
| Total interest expense | $126,000 | 7,478 |
| Net interest income | $200,000 | 8,349 |
| Provision for loan and lease losses | $3,000 | 5,957 |
| Total noninterest income | $13,000 | 8,505 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $9,000 | 7,376 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $4,000 | 8,331 |
| Total noninterest expense | $180,000 | 8,274 |
| Salaries and employee benefits | $60,000 | 8,696 |
| Premises and equipment expense | $32,000 | 7,605 |
| Additional noninterest expense | $88,000 | 7,402 |
| Pre-tax net operating income | $30,000 | 8,144 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $24,000 | 5,498 |
| Income before extraordinary items | $6,000 | 8,401 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $6,000 | 8,400 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,610 |
| Cash dividends | $600,000 | 1,028 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $6,000 | 8,372 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,473,000 | 7,931 |
| Total interest expense | $592,000 | 6,968 |
| Net interest income | $881,000 | 8,198 |
| Provision for loan and lease losses | $249,000 | 3,269 |
| Total noninterest income | $31,000 | 8,718 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $37,000 | 7,473 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $-6,000 | 8,922 |
| Total noninterest expense | $686,000 | 8,339 |
| Salaries and employee benefits | $229,000 | 8,765 |
| Premises and equipment expense | $116,000 | 7,765 |
| Additional noninterest expense | $341,000 | 7,463 |
| Pre-tax net operating income | $-23,000 | 8,422 |
| Securities gains (losses) | $-366,000 | 8,857 |
| Applicable income taxes | $-205,000 | 8,813 |
| Income before extraordinary items | $-184,000 | 8,572 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-184,000 | 8,573 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $200,000 | 2,579 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $50,240 | 8,240 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,141,000 | 7,889 |
| Total interest expense | $456,000 | 6,930 |
| Net interest income | $685,000 | 8,188 |
| Provision for loan and lease losses | $139,000 | 3,683 |
| Total noninterest income | $20,000 | 8,805 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $27,000 | 7,536 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $-7,000 | 8,983 |
| Total noninterest expense | $500,000 | 8,391 |
| Salaries and employee benefits | $162,000 | 8,819 |
| Premises and equipment expense | $82,000 | 7,847 |
| Additional noninterest expense | $256,000 | 7,446 |
| Pre-tax net operating income | $66,000 | 8,254 |
| Securities gains (losses) | $-141,000 | 8,921 |
| Applicable income taxes | $-16,000 | 8,751 |
| Income before extraordinary items | $-59,000 | 8,587 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-59,000 | 8,590 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $130,000 | 2,462 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $52,390 | 8,271 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $778,000 | 7,904 |
| Total interest expense | $312,000 | 6,891 |
| Net interest income | $466,000 | 8,218 |
| Provision for loan and lease losses | $6,000 | 6,548 |
| Total noninterest income | $18,000 | 8,782 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $20,000 | 7,519 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $-2,000 | 9,030 |
| Total noninterest expense | $257,000 | 8,725 |
| Salaries and employee benefits | $126,000 | 8,803 |
| Premises and equipment expense | $51,000 | 7,970 |
| Additional noninterest expense | $80,000 | 8,582 |
| Pre-tax net operating income | $221,000 | 7,034 |
| Securities gains (losses) | $-13,000 | 8,727 |
| Applicable income taxes | $48,000 | 5,678 |
| Income before extraordinary items | $160,000 | 7,262 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $160,000 | 7,262 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $170,010 | 7,084 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $407,000 | 7,871 |
| Total interest expense | $164,000 | 6,840 |
| Net interest income | $243,000 | 8,175 |
| Provision for loan and lease losses | $3,000 | 6,219 |
| Total noninterest income | $12,000 | 8,738 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $9,000 | 7,564 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $3,000 | 8,561 |
| Total noninterest expense | $139,000 | 8,689 |
| Salaries and employee benefits | $73,000 | 8,742 |
| Premises and equipment expense | $26,000 | 7,959 |
| Additional noninterest expense | $40,000 | 8,633 |
| Pre-tax net operating income | $113,000 | 6,952 |
| Securities gains (losses) | $-13,000 | 8,936 |
| Applicable income taxes | $34,000 | 5,263 |
| Income before extraordinary items | $66,000 | 7,471 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $66,000 | 7,473 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $74,580 | 7,254 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,818,000 | 7,746 |
| Total interest expense | $980,000 | 6,174 |
| Net interest income | $838,000 | 8,353 |
| Provision for loan and lease losses | $333,000 | 2,945 |
| Total noninterest income | $27,000 | 8,967 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $26,000 | 7,765 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,000 | 9,013 |
| Total noninterest expense | $566,000 | 8,730 |
| Salaries and employee benefits | $286,000 | 8,801 |
| Premises and equipment expense | $104,000 | 8,019 |
| Additional noninterest expense | $176,000 | 8,596 |
| Pre-tax net operating income | $-34,000 | 8,585 |
| Securities gains (losses) | $43,000 | 2,653 |
| Applicable income taxes | $6,000 | 7,166 |
| Income before extraordinary items | $3,000 | 8,614 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,000 | 8,617 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $302,000 | 2,240 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-24,520 | 8,578 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,386,000 | 7,805 |
| Total interest expense | $791,000 | 6,105 |
| Net interest income | $595,000 | 8,497 |
| Provision for loan and lease losses | $294,000 | 2,556 |
| Total noninterest income | $25,000 | 8,985 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $17,000 | 7,874 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $8,000 | 8,801 |
| Total noninterest expense | $430,000 | 8,730 |
| Salaries and employee benefits | $220,000 | 8,804 |
| Premises and equipment expense | $80,000 | 7,996 |
| Additional noninterest expense | $130,000 | 8,631 |
| Pre-tax net operating income | $-104,000 | 8,759 |
| Securities gains (losses) | $42,000 | 2,463 |
| Applicable income taxes | $-8,000 | 8,904 |
| Income before extraordinary items | $-54,000 | 8,801 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-54,000 | 8,802 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $266,000 | 1,852 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-90,540 | 8,760 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $930,000 | 7,846 |
| Total interest expense | $562,000 | 6,030 |
| Net interest income | $368,000 | 8,611 |
| Provision for loan and lease losses | $94,000 | 3,984 |
| Total noninterest income | $34,000 | 8,713 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $27,000 | 7,445 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $7,000 | 8,670 |
| Total noninterest expense | $278,000 | 8,780 |
| Salaries and employee benefits | $146,000 | 8,837 |
| Premises and equipment expense | $53,000 | 8,017 |
| Additional noninterest expense | $79,000 | 8,741 |
| Pre-tax net operating income | $30,000 | 8,498 |
| Securities gains (losses) | $14,000 | 2,789 |
| Applicable income taxes | $13,000 | 6,844 |
| Income before extraordinary items | $31,000 | 8,572 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $31,000 | 8,573 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 2,876 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $21,200 | 8,514 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $490,000 | 7,785 |
| Total interest expense | $296,000 | 5,971 |
| Net interest income | $194,000 | 8,599 |
| Provision for loan and lease losses | $10,000 | 6,044 |
| Total noninterest income | $18,000 | 8,694 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $14,000 | 7,374 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $4,000 | 8,607 |
| Total noninterest expense | $145,000 | 8,773 |
| Salaries and employee benefits | $77,000 | 8,818 |
| Premises and equipment expense | $28,000 | 7,948 |
| Additional noninterest expense | $40,000 | 8,776 |
| Pre-tax net operating income | $57,000 | 7,887 |
| Securities gains (losses) | $13,000 | 2,079 |
| Applicable income taxes | $19,000 | 6,113 |
| Income before extraordinary items | $51,000 | 7,870 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $51,000 | 7,869 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,250 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $41,510 | 7,928 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,913,000 | 7,948 |
| Total interest expense | $1,009,000 | 6,905 |
| Net interest income | $904,000 | 8,416 |
| Provision for loan and lease losses | $59,000 | 6,566 |
| Total noninterest income | $84,000 | 8,598 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $82,000 | 6,901 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,000 | 9,151 |
| Total noninterest expense | $503,000 | 8,986 |
| Salaries and employee benefits | $246,000 | 9,066 |
| Premises and equipment expense | $104,000 | 8,116 |
| Additional noninterest expense | $153,000 | 8,859 |
| Pre-tax net operating income | $426,000 | 7,044 |
| Securities gains (losses) | $194,000 | 1,195 |
| Applicable income taxes | $223,000 | 4,961 |
| Income before extraordinary items | $397,000 | 6,862 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $397,000 | 6,861 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 5,060 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $272,840 | 7,363 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,623,000 | 8,609 |
| Total interest expense | $1,049,000 | 7,929 |
| Net interest income | $574,000 | 9,079 |
| Provision for loan and lease losses | $72,000 | 6,148 |
| Total noninterest income | $139,000 | 7,978 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $75,000 | 7,070 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $64,000 | 7,283 |
| Total noninterest expense | $423,000 | 9,322 |
| Salaries and employee benefits | $195,000 | 9,415 |
| Premises and equipment expense | $96,000 | 8,365 |
| Additional noninterest expense | $132,000 | 9,183 |
| Pre-tax net operating income | $218,000 | 7,800 |
| Securities gains (losses) | $16,000 | 3,318 |
| Applicable income taxes | $80,000 | 6,264 |
| Income before extraordinary items | $154,000 | 8,006 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $154,000 | 8,008 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 4,890 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $143,440 | 7,959 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,581,000 | 8,868 |
| Total interest expense | $1,058,000 | 8,112 |
| Net interest income | $523,000 | 9,422 |
| Provision for loan and lease losses | $230,000 | 3,449 |
| Total noninterest income | $139,000 | 8,053 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $55,000 | 7,510 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $84,000 | 6,813 |
| Total noninterest expense | $404,000 | 9,593 |
| Salaries and employee benefits | $188,000 | 9,656 |
| Premises and equipment expense | $94,000 | 8,550 |
| Additional noninterest expense | $122,000 | 9,473 |
| Pre-tax net operating income | $28,000 | 9,023 |
| Securities gains (losses) | $2,000 | 1,609 |
| Applicable income taxes | $10,000 | 8,067 |
| Income before extraordinary items | $20,000 | 9,075 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $20,000 | 9,073 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $224,000 | 2,232 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $18,660 | 9,063 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $215,000 | 10,117 |
| Total interest expense | $171,000 | 9,970 |
| Net interest income | $44,000 | 10,196 |
| Provision for loan and lease losses | $300,000 | 2,624 |
| Total noninterest income | $14,000 | 10,015 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $10,000 | 8,681 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,000 | 10,002 |
| Total noninterest expense | $77,000 | 10,204 |
| Salaries and employee benefits | $42,000 | 10,189 |
| Premises and equipment expense | $15,000 | 10,120 |
| Additional noninterest expense | $20,000 | 10,206 |
| Pre-tax net operating income | $-319,000 | 9,725 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-109,000 | 9,935 |
| Income before extraordinary items | $-210,000 | 9,690 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-210,000 | 9,689 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $200,000 | 2,395 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $2,500,000 | 396 |
| Net operating income | $-210,000 | 9,668 |
* 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.