Home > First National Bank of Cortland > Income and Expense
First National Bank of Cortland, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $15,782,000 | 2,075 |
| Total interest expense | $6,390,000 | 2,353 |
| Net interest income | $9,392,000 | 1,822 |
| Provision for loan and lease losses | $225,000 | 3,261 |
| Total noninterest income | $1,809,000 | 1,975 |
| Gross Fiduciary activities income | $435,000 | 681 |
| Service charges on deposit accounts | $823,000 | 1,540 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $551,000 | 2,805 |
| Total noninterest expense | $7,809,000 | 1,686 |
| Salaries and employee benefits | $4,249,000 | 1,555 |
| Premises and equipment expense | $1,327,000 | 1,480 |
| Additional noninterest expense | $2,233,000 | 1,893 |
| Pre-tax net operating income | $3,167,000 | 2,259 |
| Securities gains (losses) | $35,000 | 2,006 |
| Applicable income taxes | $437,000 | 4,201 |
| Income before extraordinary items | $2,765,000 | 1,893 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,765,000 | 1,893 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $130,000 | 3,185 |
| Cash dividends | $4,538,000 | 690 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,734,900 | 1,831 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $15,985,000 | 2,037 |
| Total interest expense | $6,531,000 | 2,298 |
| Net interest income | $9,454,000 | 1,845 |
| Provision for loan and lease losses | $390,000 | 2,143 |
| Total noninterest income | $1,662,000 | 2,038 |
| Gross Fiduciary activities income | $422,000 | 715 |
| Service charges on deposit accounts | $689,000 | 1,894 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $551,000 | 2,651 |
| Total noninterest expense | $7,223,000 | 1,796 |
| Salaries and employee benefits | $3,909,000 | 1,682 |
| Premises and equipment expense | $1,299,000 | 1,500 |
| Additional noninterest expense | $2,015,000 | 2,075 |
| Pre-tax net operating income | $3,503,000 | 2,149 |
| Securities gains (losses) | $115,000 | 928 |
| Applicable income taxes | $943,000 | 2,559 |
| Income before extraordinary items | $2,675,000 | 1,975 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,675,000 | 1,975 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $421,000 | 1,532 |
| Cash dividends | $3,276,000 | 867 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,589,900 | 1,991 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $15,632,000 | 2,158 |
| Total interest expense | $6,220,000 | 2,470 |
| Net interest income | $9,412,000 | 1,897 |
| Provision for loan and lease losses | $283,000 | 2,703 |
| Total noninterest income | $1,547,000 | 2,243 |
| Gross Fiduciary activities income | $440,000 | 739 |
| Service charges on deposit accounts | $642,000 | 2,102 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $465,000 | 3,076 |
| Total noninterest expense | $6,589,000 | 2,099 |
| Salaries and employee benefits | $3,625,000 | 1,825 |
| Premises and equipment expense | $1,101,000 | 1,822 |
| Additional noninterest expense | $1,863,000 | 2,616 |
| Pre-tax net operating income | $4,087,000 | 1,757 |
| Securities gains (losses) | $-24,000 | 10,728 |
| Applicable income taxes | $1,148,000 | 2,075 |
| Income before extraordinary items | $2,915,000 | 1,708 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,915,000 | 1,709 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $188,000 | 2,776 |
| Cash dividends | $1,071,000 | 2,033 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,932,280 | 1,658 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $15,223,000 | 2,214 |
| Total interest expense | $5,848,000 | 2,623 |
| Net interest income | $9,375,000 | 1,911 |
| Provision for loan and lease losses | $300,000 | 2,267 |
| Total noninterest income | $1,446,000 | 2,344 |
| Gross Fiduciary activities income | $369,000 | 825 |
| Service charges on deposit accounts | $612,000 | 2,219 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $465,000 | 3,009 |
| Total noninterest expense | $6,644,000 | 2,074 |
| Salaries and employee benefits | $3,695,000 | 1,795 |
| Premises and equipment expense | $1,070,000 | 1,900 |
| Additional noninterest expense | $1,879,000 | 2,538 |
| Pre-tax net operating income | $3,877,000 | 1,919 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $1,112,000 | 2,167 |
| Income before extraordinary items | $2,765,000 | 1,823 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,765,000 | 1,822 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $350,000 | 1,753 |
| Cash dividends | $904,000 | 2,212 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,765,000 | 1,801 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $14,314,000 | 2,140 |
| Total interest expense | $4,725,000 | 2,593 |
| Net interest income | $9,589,000 | 1,884 |
| Provision for loan and lease losses | $300,000 | 2,237 |
| Total noninterest income | $1,369,000 | 2,471 |
| Gross Fiduciary activities income | $326,000 | 874 |
| Service charges on deposit accounts | $587,000 | 2,318 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $456,000 | 3,142 |
| Total noninterest expense | $6,736,000 | 2,107 |
| Salaries and employee benefits | $3,596,000 | 1,863 |
| Premises and equipment expense | $1,099,000 | 1,860 |
| Additional noninterest expense | $2,041,000 | 2,531 |
| Pre-tax net operating income | $3,922,000 | 1,816 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $1,207,000 | 1,871 |
| Income before extraordinary items | $2,715,000 | 1,795 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,715,000 | 1,794 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $153,000 | 2,937 |
| Cash dividends | $865,000 | 2,148 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,715,000 | 1,804 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $14,292,000 | 2,174 |
| Total interest expense | $5,013,000 | 2,559 |
| Net interest income | $9,279,000 | 1,953 |
| Provision for loan and lease losses | $300,000 | 2,975 |
| Total noninterest income | $1,277,000 | 2,774 |
| Gross Fiduciary activities income | $341,000 | 899 |
| Service charges on deposit accounts | $553,000 | 2,505 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $383,000 | 3,860 |
| Total noninterest expense | $6,317,000 | 2,287 |
| Salaries and employee benefits | $3,343,000 | 1,994 |
| Premises and equipment expense | $1,005,000 | 2,040 |
| Additional noninterest expense | $1,969,000 | 2,770 |
| Pre-tax net operating income | $3,939,000 | 1,750 |
| Securities gains (losses) | $26,000 | 4,293 |
| Applicable income taxes | $1,214,000 | 1,899 |
| Income before extraordinary items | $2,751,000 | 1,810 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,751,000 | 1,879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $246,000 | 2,771 |
| Cash dividends | $821,000 | 2,096 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,733,060 | 1,715 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $14,706,000 | 2,390 |
| Total interest expense | $6,058,000 | 2,749 |
| Net interest income | $8,648,000 | 2,111 |
| Provision for loan and lease losses | $305,000 | 4,063 |
| Total noninterest income | $1,241,000 | 2,791 |
| Gross Fiduciary activities income | $339,000 | 901 |
| Service charges on deposit accounts | $545,000 | 2,537 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $357,000 | 3,985 |
| Total noninterest expense | $5,924,000 | 2,451 |
| Salaries and employee benefits | $3,230,000 | 2,033 |
| Premises and equipment expense | $891,000 | 2,326 |
| Additional noninterest expense | $1,803,000 | 3,056 |
| Pre-tax net operating income | $3,660,000 | 1,690 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $1,118,000 | 1,901 |
| Income before extraordinary items | $2,542,000 | 1,790 |
| Extraordinary gains, net | $-320,000 | 13,789 |
| Net income | $2,222,000 | 2,094 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $215,000 | 4,039 |
| Cash dividends | $699,000 | 2,154 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,542,000 | 1,653 |
* 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.