Home > Cortland Savings Bank > Income and Expense
Cortland Savings Bank, Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $17,499,000 | 1,954 |
| Total interest expense | $8,760,000 | 1,846 |
| Net interest income | $8,739,000 | 2,041 |
| Provision for loan and lease losses | $220,000 | 3,917 |
| Total noninterest income | $1,220,000 | 2,902 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $751,000 | 2,016 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $469,000 | 3,239 |
| Total noninterest expense | $6,672,000 | 2,153 |
| Salaries and employee benefits | $2,471,000 | 2,971 |
| Premises and equipment expense | $772,000 | 2,724 |
| Additional noninterest expense | $3,429,000 | 1,366 |
| Pre-tax net operating income | $3,067,000 | 2,215 |
| Securities gains (losses) | $14,000 | 3,398 |
| Applicable income taxes | $1,357,000 | 1,645 |
| Income before extraordinary items | $1,724,000 | 2,897 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,724,000 | 2,900 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $181,000 | 3,040 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,715,040 | 2,821 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,740,000 | 3,826 |
| Total interest expense | $4,323,000 | 3,744 |
| Net interest income | $4,417,000 | 3,864 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $570,000 | 4,545 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $392,000 | 3,299 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $178,000 | 5,064 |
| Total noninterest expense | $3,009,000 | 4,219 |
| Salaries and employee benefits | $1,346,000 | 4,766 |
| Premises and equipment expense | $418,000 | 4,362 |
| Additional noninterest expense | $1,245,000 | 3,312 |
| Pre-tax net operating income | $1,978,000 | 3,350 |
| Securities gains (losses) | $156,000 | 465 |
| Applicable income taxes | $934,000 | 2,255 |
| Income before extraordinary items | $1,200,000 | 3,865 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,200,000 | 3,865 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 4,566 |
| Cash dividends | $48,500,000 | 141 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,100,160 | 4,106 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $19,315,000 | 1,680 |
| Total interest expense | $7,607,000 | 1,962 |
| Net interest income | $11,708,000 | 1,501 |
| Provision for loan and lease losses | $100,000 | 5,206 |
| Total noninterest income | $942,000 | 3,227 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $478,000 | 2,733 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $464,000 | 3,098 |
| Total noninterest expense | $6,301,000 | 2,158 |
| Salaries and employee benefits | $2,865,000 | 2,451 |
| Premises and equipment expense | $990,000 | 2,068 |
| Additional noninterest expense | $2,446,000 | 1,805 |
| Pre-tax net operating income | $6,249,000 | 1,226 |
| Securities gains (losses) | $22,000 | 1,340 |
| Applicable income taxes | $2,535,000 | 1,003 |
| Income before extraordinary items | $3,736,000 | 1,434 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,736,000 | 1,435 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $164,000 | 2,700 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $3,721,920 | 1,420 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $18,029,000 | 1,796 |
| Total interest expense | $7,986,000 | 1,909 |
| Net interest income | $10,043,000 | 1,704 |
| Provision for loan and lease losses | $325,000 | 2,434 |
| Total noninterest income | $1,418,000 | 2,366 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $445,000 | 2,850 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $973,000 | 1,890 |
| Total noninterest expense | $7,036,000 | 1,844 |
| Salaries and employee benefits | $3,796,000 | 1,744 |
| Premises and equipment expense | $979,000 | 1,996 |
| Additional noninterest expense | $2,261,000 | 1,864 |
| Pre-tax net operating income | $4,100,000 | 1,777 |
| Securities gains (losses) | $6,000 | 3,324 |
| Applicable income taxes | $1,697,000 | 1,454 |
| Income before extraordinary items | $2,409,000 | 2,166 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,409,000 | 2,165 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-26,000 | 9,938 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,405,160 | 2,105 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $17,775,000 | 1,859 |
| Total interest expense | $8,330,000 | 1,856 |
| Net interest income | $9,445,000 | 1,847 |
| Provision for loan and lease losses | $3,300,000 | 411 |
| Total noninterest income | $715,000 | 3,916 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $436,000 | 2,987 |
| Trading account gains and fees | $1,000 | 233 |
| Additional Noninterest Income | $278,000 | 4,098 |
| Total noninterest expense | $6,894,000 | 1,877 |
| Salaries and employee benefits | $2,928,000 | 2,259 |
| Premises and equipment expense | $1,060,000 | 1,871 |
| Additional noninterest expense | $2,906,000 | 1,482 |
| Pre-tax net operating income | $-34,000 | 10,429 |
| Securities gains (losses) | $45,000 | 1,407 |
| Applicable income taxes | $-61,000 | 10,652 |
| Income before extraordinary items | $72,000 | 10,127 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $72,000 | 10,129 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,108,000 | 377 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $27,000 | 10,296 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $17,874,000 | 1,898 |
| Total interest expense | $8,758,000 | 1,795 |
| Net interest income | $9,116,000 | 1,973 |
| Provision for loan and lease losses | $1,380,000 | 804 |
| Total noninterest income | $638,000 | 4,375 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $469,000 | 2,884 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $169,000 | 5,615 |
| Total noninterest expense | $6,272,000 | 2,190 |
| Salaries and employee benefits | $2,857,000 | 2,330 |
| Premises and equipment expense | $1,005,000 | 1,989 |
| Additional noninterest expense | $2,410,000 | 2,075 |
| Pre-tax net operating income | $2,102,000 | 3,279 |
| Securities gains (losses) | $15,000 | 2,201 |
| Applicable income taxes | $845,000 | 2,711 |
| Income before extraordinary items | $1,272,000 | 3,685 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,272,000 | 3,684 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,432,000 | 710 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,262,400 | 3,656 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $17,885,000 | 1,901 |
| Total interest expense | $8,613,000 | 1,838 |
| Net interest income | $9,272,000 | 1,934 |
| Provision for loan and lease losses | $600,000 | 1,345 |
| Total noninterest income | $635,000 | 4,394 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $444,000 | 3,044 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $191,000 | 5,266 |
| Total noninterest expense | $5,955,000 | 2,286 |
| Salaries and employee benefits | $2,782,000 | 2,386 |
| Premises and equipment expense | $988,000 | 2,036 |
| Additional noninterest expense | $2,185,000 | 2,232 |
| Pre-tax net operating income | $3,352,000 | 2,193 |
| Securities gains (losses) | $47,000 | 1,345 |
| Applicable income taxes | $1,400,000 | 1,750 |
| Income before extraordinary items | $1,999,000 | 2,523 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,999,000 | 2,522 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $206,000 | 2,447 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,968,920 | 2,520 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $16,934,000 | 1,821 |
| Total interest expense | $7,894,000 | 1,603 |
| Net interest income | $9,040,000 | 2,007 |
| Provision for loan and lease losses | $300,000 | 2,237 |
| Total noninterest income | $426,000 | 5,896 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $204,000 | 5,789 |
| Trading account gains and fees | $1,000 | 450 |
| Additional Noninterest Income | $221,000 | 4,955 |
| Total noninterest expense | $5,628,000 | 2,487 |
| Salaries and employee benefits | $2,599,000 | 2,563 |
| Premises and equipment expense | $891,000 | 2,265 |
| Additional noninterest expense | $2,138,000 | 2,446 |
| Pre-tax net operating income | $3,538,000 | 2,020 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $1,360,000 | 1,694 |
| Income before extraordinary items | $2,178,000 | 2,245 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,178,000 | 2,243 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $160,000 | 2,864 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,178,000 | 2,259 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $17,618,000 | 1,784 |
| Total interest expense | $8,556,000 | 1,562 |
| Net interest income | $9,062,000 | 1,994 |
| Provision for loan and lease losses | $550,000 | 1,962 |
| Total noninterest income | $317,000 | 7,419 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $201,000 | 5,955 |
| Trading account gains and fees | $5,000 | 460 |
| Additional Noninterest Income | $111,000 | 7,550 |
| Total noninterest expense | $5,496,000 | 2,610 |
| Salaries and employee benefits | $2,429,000 | 2,726 |
| Premises and equipment expense | $767,000 | 2,660 |
| Additional noninterest expense | $2,300,000 | 2,414 |
| Pre-tax net operating income | $3,333,000 | 2,042 |
| Securities gains (losses) | $3,000 | 6,505 |
| Applicable income taxes | $1,264,000 | 1,847 |
| Income before extraordinary items | $2,072,000 | 2,419 |
| Extraordinary gains, net | $-68,000 | 12,813 |
| Net income | $2,004,000 | 2,610 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $304,000 | 2,456 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,070,080 | 2,269 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $18,999,000 | 1,858 |
| Total interest expense | $10,312,000 | 1,677 |
| Net interest income | $8,687,000 | 2,101 |
| Provision for loan and lease losses | $892,000 | 1,991 |
| Total noninterest income | $474,000 | 5,854 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $270,000 | 4,830 |
| Trading account gains and fees | $1,000 | 486 |
| Additional Noninterest Income | $203,000 | 5,628 |
| Total noninterest expense | $4,831,000 | 2,963 |
| Salaries and employee benefits | $2,146,000 | 3,006 |
| Premises and equipment expense | $474,000 | 4,158 |
| Additional noninterest expense | $2,211,000 | 2,575 |
| Pre-tax net operating income | $3,438,000 | 1,798 |
| Securities gains (losses) | $-9,000 | 13,256 |
| Applicable income taxes | $1,220,000 | 1,729 |
| Income before extraordinary items | $2,209,000 | 2,082 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,209,000 | 2,107 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $537,000 | 2,352 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,214,760 | 1,903 |
* 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.