Home > Ellenville National Bank > Income and Expense
Ellenville National Bank, Income and Expense
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $20,021,000 | 1,435 |
| Total interest expense | $3,889,000 | 2,270 |
| Net interest income | $16,132,000 | 1,201 |
| Provision for loan and lease losses | $620,000 | 1,792 |
| Total noninterest income | $2,412,000 | 2,006 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,966,000 | 870 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $446,000 | 3,773 |
| Total noninterest expense | $11,446,000 | 1,402 |
| Salaries and employee benefits | $7,056,000 | 1,210 |
| Premises and equipment expense | $1,748,000 | 1,311 |
| Additional noninterest expense | $2,642,000 | 1,827 |
| Pre-tax net operating income | $6,478,000 | 1,276 |
| Securities gains (losses) | $22,000 | 3,160 |
| Applicable income taxes | $2,240,000 | 1,175 |
| Income before extraordinary items | $4,260,000 | 1,470 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $4,260,000 | 1,472 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $177,000 | 3,087 |
| Cash dividends | $3,022,000 | 981 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $4,245,480 | 1,409 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $14,949,000 | 1,466 |
| Total interest expense | $2,918,000 | 2,359 |
| Net interest income | $12,031,000 | 1,212 |
| Provision for loan and lease losses | $347,000 | 2,273 |
| Total noninterest income | $1,823,000 | 2,038 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,481,000 | 868 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $342,000 | 3,821 |
| Total noninterest expense | $8,687,000 | 1,398 |
| Salaries and employee benefits | $5,311,000 | 1,218 |
| Premises and equipment expense | $1,351,000 | 1,257 |
| Additional noninterest expense | $2,025,000 | 1,785 |
| Pre-tax net operating income | $4,820,000 | 1,339 |
| Securities gains (losses) | $22,000 | 2,902 |
| Applicable income taxes | $1,744,000 | 1,180 |
| Income before extraordinary items | $3,098,000 | 1,561 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $3,098,000 | 1,560 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 3,333 |
| Cash dividends | $1,134,000 | 1,587 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $3,083,920 | 1,504 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $9,817,000 | 1,506 |
| Total interest expense | $1,933,000 | 2,451 |
| Net interest income | $7,884,000 | 1,235 |
| Provision for loan and lease losses | $268,000 | 2,035 |
| Total noninterest income | $1,234,000 | 2,013 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $1,006,000 | 838 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $228,000 | 3,791 |
| Total noninterest expense | $5,827,000 | 1,388 |
| Salaries and employee benefits | $3,512,000 | 1,223 |
| Premises and equipment expense | $912,000 | 1,249 |
| Additional noninterest expense | $1,403,000 | 1,714 |
| Pre-tax net operating income | $3,023,000 | 1,415 |
| Securities gains (losses) | $22,000 | 2,556 |
| Applicable income taxes | $1,100,000 | 1,266 |
| Income before extraordinary items | $1,945,000 | 1,666 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,945,000 | 1,666 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 3,597 |
| Cash dividends | $199,000 | 3,536 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,930,920 | 1,574 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $4,798,000 | 1,549 |
| Total interest expense | $951,000 | 2,544 |
| Net interest income | $3,847,000 | 1,267 |
| Provision for loan and lease losses | $116,000 | 2,144 |
| Total noninterest income | $623,000 | 1,943 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $510,000 | 810 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $113,000 | 3,713 |
| Total noninterest expense | $2,975,000 | 1,356 |
| Salaries and employee benefits | $1,752,000 | 1,217 |
| Premises and equipment expense | $478,000 | 1,200 |
| Additional noninterest expense | $745,000 | 1,585 |
| Pre-tax net operating income | $1,379,000 | 1,526 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $494,000 | 1,386 |
| Income before extraordinary items | $885,000 | 1,790 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $885,000 | 1,789 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 2,460 |
| Cash dividends | $70,000 | 3,223 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $885,000 | 1,674 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $19,110,000 | 1,610 |
| Total interest expense | $4,407,000 | 2,528 |
| Net interest income | $14,703,000 | 1,317 |
| Provision for loan and lease losses | $580,000 | 2,129 |
| Total noninterest income | $2,588,000 | 1,752 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $2,122,000 | 762 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $466,000 | 3,418 |
| Total noninterest expense | $10,883,000 | 1,413 |
| Salaries and employee benefits | $6,406,000 | 1,266 |
| Premises and equipment expense | $1,706,000 | 1,285 |
| Additional noninterest expense | $2,771,000 | 1,703 |
| Pre-tax net operating income | $5,828,000 | 1,431 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,999,000 | 1,297 |
| Income before extraordinary items | $3,829,000 | 1,586 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,829,000 | 1,586 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $194,000 | 3,062 |
| Cash dividends | $847,000 | 2,562 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,829,000 | 1,529 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $18,813,000 | 1,822 |
| Total interest expense | $6,506,000 | 2,465 |
| Net interest income | $12,307,000 | 1,446 |
| Provision for loan and lease losses | $1,100,000 | 1,160 |
| Total noninterest income | $2,759,000 | 1,576 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $2,244,000 | 662 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $515,000 | 3,076 |
| Total noninterest expense | $9,332,000 | 1,568 |
| Salaries and employee benefits | $5,529,000 | 1,358 |
| Premises and equipment expense | $1,523,000 | 1,401 |
| Additional noninterest expense | $2,280,000 | 1,971 |
| Pre-tax net operating income | $4,634,000 | 1,557 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $1,603,000 | 1,412 |
| Income before extraordinary items | $3,031,000 | 1,736 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $3,031,000 | 1,736 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $828,000 | 1,078 |
| Cash dividends | $671,000 | 2,948 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $3,031,000 | 1,661 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $17,556,000 | 2,007 |
| Total interest expense | $6,277,000 | 2,665 |
| Net interest income | $11,279,000 | 1,556 |
| Provision for loan and lease losses | $500,000 | 1,862 |
| Total noninterest income | $2,362,000 | 1,660 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $2,122,000 | 630 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $240,000 | 4,373 |
| Total noninterest expense | $8,913,000 | 1,574 |
| Salaries and employee benefits | $5,067,000 | 1,395 |
| Premises and equipment expense | $1,451,000 | 1,434 |
| Additional noninterest expense | $2,395,000 | 1,843 |
| Pre-tax net operating income | $4,228,000 | 1,735 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,470,000 | 1,537 |
| Income before extraordinary items | $2,758,000 | 1,887 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,758,000 | 1,887 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $215,000 | 2,295 |
| Cash dividends | $765,000 | 2,741 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,758,000 | 1,891 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $15,140,000 | 2,160 |
| Total interest expense | $5,043,000 | 2,895 |
| Net interest income | $10,097,000 | 1,727 |
| Provision for loan and lease losses | $350,000 | 2,350 |
| Total noninterest income | $2,103,000 | 1,794 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,865,000 | 712 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $238,000 | 4,546 |
| Total noninterest expense | $8,158,000 | 1,687 |
| Salaries and employee benefits | $4,629,000 | 1,501 |
| Premises and equipment expense | $1,441,000 | 1,413 |
| Additional noninterest expense | $2,088,000 | 2,085 |
| Pre-tax net operating income | $3,692,000 | 1,990 |
| Securities gains (losses) | $-23,000 | 9,594 |
| Applicable income taxes | $1,268,000 | 1,825 |
| Income before extraordinary items | $2,401,000 | 2,186 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,401,000 | 2,187 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $141,000 | 2,958 |
| Cash dividends | $533,000 | 3,386 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,415,950 | 2,136 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $14,119,000 | 2,306 |
| Total interest expense | $4,941,000 | 3,027 |
| Net interest income | $9,178,000 | 1,861 |
| Provision for loan and lease losses | $425,000 | 1,959 |
| Total noninterest income | $1,994,000 | 1,838 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,782,000 | 687 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $212,000 | 4,815 |
| Total noninterest expense | $7,916,000 | 1,662 |
| Salaries and employee benefits | $4,506,000 | 1,452 |
| Premises and equipment expense | $1,403,000 | 1,390 |
| Additional noninterest expense | $2,007,000 | 2,102 |
| Pre-tax net operating income | $2,831,000 | 2,505 |
| Securities gains (losses) | $-50,000 | 10,367 |
| Applicable income taxes | $930,000 | 2,439 |
| Income before extraordinary items | $1,851,000 | 2,736 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,851,000 | 2,737 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $275,000 | 1,983 |
| Cash dividends | $659,000 | 2,954 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,884,500 | 2,620 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $13,033,000 | 2,517 |
| Total interest expense | $4,417,000 | 3,347 |
| Net interest income | $8,616,000 | 2,021 |
| Provision for loan and lease losses | $725,000 | 1,290 |
| Total noninterest income | $1,692,000 | 2,012 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,501,000 | 853 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $191,000 | 5,066 |
| Total noninterest expense | $7,555,000 | 1,723 |
| Salaries and employee benefits | $4,358,000 | 1,493 |
| Premises and equipment expense | $1,387,000 | 1,410 |
| Additional noninterest expense | $1,810,000 | 2,301 |
| Pre-tax net operating income | $2,028,000 | 3,490 |
| Securities gains (losses) | $-48,000 | 10,635 |
| Applicable income taxes | $574,000 | 3,810 |
| Income before extraordinary items | $1,406,000 | 3,556 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,406,000 | 3,556 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $478,000 | 1,383 |
| Cash dividends | $575,000 | 3,187 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,440,080 | 3,392 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $11,820,000 | 2,786 |
| Total interest expense | $3,979,000 | 3,726 |
| Net interest income | $7,841,000 | 2,297 |
| Provision for loan and lease losses | $800,000 | 1,203 |
| Total noninterest income | $1,460,000 | 2,343 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $1,277,000 | 1,030 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $183,000 | 5,422 |
| Total noninterest expense | $7,185,000 | 1,952 |
| Salaries and employee benefits | $4,237,000 | 1,573 |
| Premises and equipment expense | $1,389,000 | 1,458 |
| Additional noninterest expense | $1,559,000 | 3,017 |
| Pre-tax net operating income | $1,316,000 | 4,797 |
| Securities gains (losses) | $56,000 | 1,263 |
| Applicable income taxes | $362,000 | 5,219 |
| Income before extraordinary items | $1,010,000 | 4,465 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,010,000 | 4,466 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $669,000 | 1,158 |
| Cash dividends | $269,000 | 4,808 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $968,560 | 4,560 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $11,925,000 | 2,804 |
| Total interest expense | $4,289,000 | 3,472 |
| Net interest income | $7,636,000 | 2,349 |
| Provision for loan and lease losses | $156,000 | 3,557 |
| Total noninterest income | $1,204,000 | 2,717 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $1,037,000 | 1,302 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $167,000 | 5,659 |
| Total noninterest expense | $7,124,000 | 1,943 |
| Salaries and employee benefits | $4,011,000 | 1,651 |
| Premises and equipment expense | $1,384,000 | 1,484 |
| Additional noninterest expense | $1,729,000 | 2,710 |
| Pre-tax net operating income | $1,560,000 | 4,311 |
| Securities gains (losses) | $263,000 | 564 |
| Applicable income taxes | $459,000 | 4,468 |
| Income before extraordinary items | $1,364,000 | 3,534 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,364,000 | 3,532 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $172,000 | 2,758 |
| Cash dividends | $368,000 | 4,084 |
| Sale, conversion, retirement of capital stock, net | $100,000 | 561 |
| Net operating income | $1,166,750 | 4,036 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $11,435,000 | 2,650 |
| Total interest expense | $3,446,000 | 3,493 |
| Net interest income | $7,989,000 | 2,261 |
| Provision for loan and lease losses | $7,000 | 8,694 |
| Total noninterest income | $1,130,000 | 2,841 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $961,000 | 1,402 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $169,000 | 5,830 |
| Total noninterest expense | $7,023,000 | 2,032 |
| Salaries and employee benefits | $3,807,000 | 1,766 |
| Premises and equipment expense | $782,000 | 2,580 |
| Additional noninterest expense | $2,434,000 | 2,181 |
| Pre-tax net operating income | $2,096,000 | 3,294 |
| Securities gains (losses) | $66,000 | 993 |
| Applicable income taxes | $547,000 | 3,785 |
| Income before extraordinary items | $1,615,000 | 2,977 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,615,000 | 2,983 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 3,857 |
| Cash dividends | $1,222,000 | 1,619 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,565,500 | 3,086 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $11,739,000 | 2,631 |
| Total interest expense | $3,814,000 | 3,303 |
| Net interest income | $7,925,000 | 2,271 |
| Provision for loan and lease losses | $66,000 | 6,760 |
| Total noninterest income | $1,427,000 | 2,540 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $959,000 | 1,400 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $468,000 | 3,399 |
| Total noninterest expense | $6,601,000 | 2,203 |
| Salaries and employee benefits | $3,605,000 | 1,859 |
| Premises and equipment expense | $714,000 | 2,829 |
| Additional noninterest expense | $2,282,000 | 2,433 |
| Pre-tax net operating income | $2,685,000 | 2,543 |
| Securities gains (losses) | $379,000 | 1,099 |
| Applicable income taxes | $992,000 | 2,276 |
| Income before extraordinary items | $2,072,000 | 2,419 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,072,000 | 2,501 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 8,297 |
| Cash dividends | $1,023,000 | 1,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,814,280 | 2,591 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $12,510,000 | 2,803 |
| Total interest expense | $4,868,000 | 3,390 |
| Net interest income | $7,642,000 | 2,356 |
| Provision for loan and lease losses | $283,000 | 4,285 |
| Total noninterest income | $1,062,000 | 3,154 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $905,000 | 1,492 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $157,000 | 6,481 |
| Total noninterest expense | $6,053,000 | 2,400 |
| Salaries and employee benefits | $3,186,000 | 2,065 |
| Premises and equipment expense | $661,000 | 3,079 |
| Additional noninterest expense | $2,206,000 | 2,587 |
| Pre-tax net operating income | $2,368,000 | 2,633 |
| Securities gains (losses) | $171,000 | 2,245 |
| Applicable income taxes | $660,000 | 3,149 |
| Income before extraordinary items | $1,879,000 | 2,436 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,879,000 | 2,480 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $116,000 | 5,532 |
| Cash dividends | $134,000 | 6,001 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,752,460 | 2,430 |
* 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.