Home > Community Bank of Utica > Income and Expense

Community Bank of Utica, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$773,000	11,047
Total interest expense	$301,000	11,073
Net interest income	$472,000	10,946
Provision for loan and lease losses	$-5,000	11,061
Total noninterest income	$63,000	10,621
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$42,000	9,055
Trading account gains and fees	NA	NA
Additional Noninterest Income	$21,000	10,346
Total noninterest expense	$411,000	10,936
Salaries and employee benefits	$178,000	11,131
Premises and equipment expense	$53,000	10,553
Additional noninterest expense	$180,000	10,170
Pre-tax net operating income	$129,000	10,215
Securities gains (losses)	$0	4,148
Applicable income taxes	$35,000	9,947
Income before extraordinary items	$94,000	10,275
Extraordinary gains, net	$0	53
Net income	$94,000	10,274
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	8,146
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$94,000	10,222
1995-12-31 (YTD Data)		Rank
Total interest income	$750,000	11,579
Total interest expense	$273,000	11,633
Net interest income	$477,000	11,451
Provision for loan and lease losses	$31,000	7,042
Total noninterest income	$52,000	11,315
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$35,000	9,675
Trading account gains and fees	NA	NA
Additional Noninterest Income	$17,000	11,076
Total noninterest expense	$396,000	11,440
Salaries and employee benefits	$182,000	11,586
Premises and equipment expense	$43,000	11,294
Additional noninterest expense	$171,000	10,802
Pre-tax net operating income	$102,000	11,078
Securities gains (losses)	$2,000	3,270
Applicable income taxes	$29,000	10,603
Income before extraordinary items	$75,000	11,140
Extraordinary gains, net	$0	65
Net income	$75,000	11,137
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	7,680
Cash dividends	$77,000	7,241
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$73,560	11,126
1994-12-31 (YTD Data)		Rank
Total interest income	$379,000	12,486
Total interest expense	$134,000	12,467
Net interest income	$245,000	12,467
Provision for loan and lease losses	$-6,000	11,728
Total noninterest income	$45,000	12,039
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$31,000	10,297
Trading account gains and fees	NA	NA
Additional Noninterest Income	$14,000	11,845
Total noninterest expense	$209,000	12,506
Salaries and employee benefits	$91,000	12,529
Premises and equipment expense	$24,000	12,357
Additional noninterest expense	$94,000	12,342
Pre-tax net operating income	$87,000	11,705
Securities gains (losses)	$0	3,600
Applicable income taxes	$26,000	11,018
Income before extraordinary items	$61,000	11,725
Extraordinary gains, net	$0	249
Net income	$61,000	11,733
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-4,000	10,341
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$61,000	11,769
1993-12-31 (YTD Data)		Rank
Total interest income	$682,000	12,833
Total interest expense	$263,000	12,803
Net interest income	$419,000	12,764
Provision for loan and lease losses	$-49,000	12,732
Total noninterest income	$99,000	11,344
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$68,000	9,406
Trading account gains and fees	NA	NA
Additional Noninterest Income	$31,000	11,240
Total noninterest expense	$400,000	12,647
Salaries and employee benefits	$144,000	13,011
Premises and equipment expense	$31,000	12,825
Additional noninterest expense	$225,000	11,401
Pre-tax net operating income	$167,000	11,340
Securities gains (losses)	$0	7,477
Applicable income taxes	$75,000	10,332
Income before extraordinary items	$92,000	11,876
Extraordinary gains, net	$0	3,149
Net income	$92,000	11,922
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,000	8,052
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$92,000	11,686
1992-12-31 (YTD Data)		Rank
Total interest income	$797,000	13,356
Total interest expense	$350,000	13,356
Net interest income	$447,000	13,246
Provision for loan and lease losses	$149,000	6,143
Total noninterest income	$69,000	12,585
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$48,000	10,402
Trading account gains and fees	NA	NA
Additional Noninterest Income	$21,000	12,470
Total noninterest expense	$339,000	13,444
Salaries and employee benefits	$132,000	13,665
Premises and equipment expense	$28,000	13,471
Additional noninterest expense	$179,000	12,533
Pre-tax net operating income	$28,000	12,552
Securities gains (losses)	$0	8,369
Applicable income taxes	$-66,000	13,533
Income before extraordinary items	$94,000	12,010
Extraordinary gains, net	$0	1,422
Net income	$94,000	12,076
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$159,000	4,745
Cash dividends	$7,000	8,781
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$94,000	11,712

* 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.