Home > First National Bank of the Berkshires > Income and Expense
First National Bank of the Berkshires, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,676,000 | 6,225 |
| Total interest expense | $2,079,000 | 6,270 |
| Net interest income | $2,597,000 | 6,044 |
| Provision for loan and lease losses | $61,000 | 6,063 |
| Total noninterest income | $433,000 | 5,677 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $130,000 | 6,857 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $303,000 | 4,045 |
| Total noninterest expense | $2,162,000 | 5,611 |
| Salaries and employee benefits | $1,227,000 | 5,095 |
| Premises and equipment expense | $182,000 | 7,382 |
| Additional noninterest expense | $753,000 | 5,439 |
| Pre-tax net operating income | $807,000 | 6,479 |
| Securities gains (losses) | $-79,000 | 11,151 |
| Applicable income taxes | $239,000 | 6,592 |
| Income before extraordinary items | $489,000 | 6,973 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $489,000 | 6,977 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 7,102 |
| Cash dividends | $148,000 | 6,096 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $541,930 | 6,554 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,545,000 | 6,416 |
| Total interest expense | $2,031,000 | 6,395 |
| Net interest income | $2,514,000 | 6,290 |
| Provision for loan and lease losses | $14,000 | 8,034 |
| Total noninterest income | $244,000 | 7,777 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $123,000 | 7,249 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $121,000 | 6,633 |
| Total noninterest expense | $2,080,000 | 5,806 |
| Salaries and employee benefits | $1,172,000 | 5,316 |
| Premises and equipment expense | $191,000 | 7,369 |
| Additional noninterest expense | $717,000 | 5,732 |
| Pre-tax net operating income | $664,000 | 7,522 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $175,000 | 7,838 |
| Income before extraordinary items | $489,000 | 7,336 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $489,000 | 7,336 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 6,236 |
| Cash dividends | $140,000 | 6,201 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $489,000 | 7,301 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,861,000 | 6,874 |
| Total interest expense | $1,381,000 | 7,265 |
| Net interest income | $2,480,000 | 6,519 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $297,000 | 7,285 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $131,000 | 7,336 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $166,000 | 5,884 |
| Total noninterest expense | $2,140,000 | 5,878 |
| Salaries and employee benefits | $1,144,000 | 5,477 |
| Premises and equipment expense | $203,000 | 7,369 |
| Additional noninterest expense | $793,000 | 5,734 |
| Pre-tax net operating income | $637,000 | 7,794 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $172,000 | 7,876 |
| Income before extraordinary items | $465,000 | 7,573 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $465,000 | 7,579 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 10,929 |
| Cash dividends | $136,000 | 6,318 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $465,000 | 7,621 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,812,000 | 7,102 |
| Total interest expense | $1,585,000 | 6,923 |
| Net interest income | $2,227,000 | 7,100 |
| Provision for loan and lease losses | $30,000 | 8,397 |
| Total noninterest income | $306,000 | 7,585 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $154,000 | 6,986 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $152,000 | 6,523 |
| Total noninterest expense | $2,045,000 | 6,212 |
| Salaries and employee benefits | $1,071,000 | 5,788 |
| Premises and equipment expense | $186,000 | 7,988 |
| Additional noninterest expense | $788,000 | 5,992 |
| Pre-tax net operating income | $458,000 | 8,954 |
| Securities gains (losses) | $82,000 | 2,771 |
| Applicable income taxes | $154,000 | 8,535 |
| Income before extraordinary items | $386,000 | 8,571 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $386,000 | 8,740 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-28,000 | 12,335 |
| Cash dividends | $102,000 | 6,819 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $327,780 | 8,895 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,938,000 | 7,597 |
| Total interest expense | $1,967,000 | 7,180 |
| Net interest income | $1,971,000 | 7,834 |
| Provision for loan and lease losses | $70,000 | 8,246 |
| Total noninterest income | $291,000 | 7,847 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $137,000 | 7,474 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $154,000 | 6,548 |
| Total noninterest expense | $1,788,000 | 6,983 |
| Salaries and employee benefits | $997,000 | 6,048 |
| Premises and equipment expense | $228,000 | 7,203 |
| Additional noninterest expense | $563,000 | 7,837 |
| Pre-tax net operating income | $404,000 | 9,206 |
| Securities gains (losses) | $10,000 | 6,439 |
| Applicable income taxes | $113,000 | 9,575 |
| Income before extraordinary items | $301,000 | 9,312 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $301,000 | 9,447 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 6,676 |
| Cash dividends | $77,000 | 7,084 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $293,700 | 9,021 |
* 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.