Home > Franklin Lamoille Bank > Income and Expense
Franklin Lamoille Bank, Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $23,506,000 | 1,455 |
| Total interest expense | $9,799,000 | 1,653 |
| Net interest income | $13,707,000 | 1,295 |
| Provision for loan and lease losses | $-245,000 | 9,559 |
| Total noninterest income | $2,088,000 | 1,953 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,231,000 | 1,216 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $857,000 | 2,280 |
| Total noninterest expense | $7,984,000 | 1,812 |
| Salaries and employee benefits | $2,432,000 | 3,017 |
| Premises and equipment expense | $885,000 | 2,408 |
| Additional noninterest expense | $4,667,000 | 1,030 |
| Pre-tax net operating income | $8,056,000 | 934 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $2,634,000 | 933 |
| Income before extraordinary items | $5,422,000 | 1,013 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $5,422,000 | 1,014 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $530,000 | 1,496 |
| Cash dividends | $4,822,000 | 639 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $5,422,000 | 972 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $26,204,000 | 1,344 |
| Total interest expense | $13,143,000 | 1,322 |
| Net interest income | $13,061,000 | 1,342 |
| Provision for loan and lease losses | $-98,000 | 9,802 |
| Total noninterest income | $2,342,000 | 1,667 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,082,000 | 1,250 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,260,000 | 1,598 |
| Total noninterest expense | $8,087,000 | 1,724 |
| Salaries and employee benefits | $2,432,000 | 2,905 |
| Premises and equipment expense | $903,000 | 2,286 |
| Additional noninterest expense | $4,752,000 | 988 |
| Pre-tax net operating income | $7,414,000 | 1,025 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $2,292,000 | 1,032 |
| Income before extraordinary items | $5,122,000 | 1,046 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $5,122,000 | 1,046 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $304,000 | 1,802 |
| Cash dividends | $6,570,000 | 513 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $5,122,000 | 1,042 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $24,104,000 | 1,345 |
| Total interest expense | $10,606,000 | 1,408 |
| Net interest income | $13,498,000 | 1,287 |
| Provision for loan and lease losses | $700,000 | 1,317 |
| Total noninterest income | $2,239,000 | 1,714 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,212,000 | 1,103 |
| Trading account gains and fees | $10,000 | 150 |
| Additional Noninterest Income | $1,017,000 | 1,842 |
| Total noninterest expense | $7,801,000 | 1,765 |
| Salaries and employee benefits | $2,476,000 | 2,831 |
| Premises and equipment expense | $786,000 | 2,577 |
| Additional noninterest expense | $4,539,000 | 1,041 |
| Pre-tax net operating income | $7,236,000 | 1,075 |
| Securities gains (losses) | $39,000 | 1,079 |
| Applicable income taxes | $2,298,000 | 1,091 |
| Income before extraordinary items | $4,977,000 | 1,105 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,977,000 | 1,104 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 9,311 |
| Cash dividends | $1,412,000 | 1,766 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $4,950,480 | 1,092 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $24,340,000 | 1,323 |
| Total interest expense | $11,299,000 | 1,365 |
| Net interest income | $13,041,000 | 1,303 |
| Provision for loan and lease losses | $400,000 | 2,051 |
| Total noninterest income | $2,132,000 | 1,735 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,202,000 | 1,036 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $930,000 | 1,965 |
| Total noninterest expense | $8,314,000 | 1,599 |
| Salaries and employee benefits | $2,483,000 | 2,733 |
| Premises and equipment expense | $801,000 | 2,447 |
| Additional noninterest expense | $5,030,000 | 949 |
| Pre-tax net operating income | $6,459,000 | 1,157 |
| Securities gains (losses) | $-145,000 | 10,408 |
| Applicable income taxes | $1,987,000 | 1,277 |
| Income before extraordinary items | $4,327,000 | 1,230 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $4,327,000 | 1,229 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $486,000 | 1,286 |
| Cash dividends | $5,612,000 | 587 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $4,427,050 | 1,168 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $23,911,000 | 1,376 |
| Total interest expense | $10,923,000 | 1,431 |
| Net interest income | $12,988,000 | 1,341 |
| Provision for loan and lease losses | $225,000 | 3,186 |
| Total noninterest income | $1,708,000 | 1,999 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,149,000 | 1,092 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $559,000 | 2,623 |
| Total noninterest expense | $8,454,000 | 1,561 |
| Salaries and employee benefits | $2,500,000 | 2,646 |
| Premises and equipment expense | $934,000 | 2,106 |
| Additional noninterest expense | $5,020,000 | 964 |
| Pre-tax net operating income | $6,017,000 | 1,297 |
| Securities gains (losses) | $-2,000 | 9,246 |
| Applicable income taxes | $1,898,000 | 1,388 |
| Income before extraordinary items | $4,117,000 | 1,325 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $4,117,000 | 1,326 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $275,000 | 2,079 |
| Cash dividends | $1,358,000 | 1,736 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $4,118,360 | 1,287 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $22,235,000 | 1,516 |
| Total interest expense | $9,834,000 | 1,612 |
| Net interest income | $12,401,000 | 1,449 |
| Provision for loan and lease losses | $-206,000 | 11,343 |
| Total noninterest income | $1,735,000 | 2,062 |
| Gross Fiduciary activities income | $82,000 | 1,150 |
| Service charges on deposit accounts | $948,000 | 1,423 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $705,000 | 2,287 |
| Total noninterest expense | $8,409,000 | 1,688 |
| Salaries and employee benefits | $2,699,000 | 2,468 |
| Premises and equipment expense | $899,000 | 2,217 |
| Additional noninterest expense | $4,811,000 | 1,169 |
| Pre-tax net operating income | $5,933,000 | 1,222 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $1,825,000 | 1,337 |
| Income before extraordinary items | $4,108,000 | 1,225 |
| Extraordinary gains, net | $193,000 | 16 |
| Net income | $4,301,000 | 1,186 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 5,188 |
| Cash dividends | $11,155,000 | 397 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $4,108,000 | 1,199 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $23,080,000 | 1,487 |
| Total interest expense | $9,942,000 | 1,603 |
| Net interest income | $13,138,000 | 1,368 |
| Provision for loan and lease losses | $860,000 | 1,072 |
| Total noninterest income | $2,909,000 | 1,382 |
| Gross Fiduciary activities income | $904,000 | 554 |
| Service charges on deposit accounts | $978,000 | 1,399 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,027,000 | 1,775 |
| Total noninterest expense | $10,155,000 | 1,392 |
| Salaries and employee benefits | $2,721,000 | 2,454 |
| Premises and equipment expense | $914,000 | 2,193 |
| Additional noninterest expense | $6,520,000 | 911 |
| Pre-tax net operating income | $5,032,000 | 1,493 |
| Securities gains (losses) | $2,000 | 3,270 |
| Applicable income taxes | $1,369,000 | 1,785 |
| Income before extraordinary items | $3,665,000 | 1,418 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $3,665,000 | 1,416 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $161,000 | 2,878 |
| Cash dividends | $2,715,000 | 994 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $3,663,540 | 1,399 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $20,041,000 | 1,543 |
| Total interest expense | $7,841,000 | 1,610 |
| Net interest income | $12,200,000 | 1,475 |
| Provision for loan and lease losses | $-97,000 | 12,135 |
| Total noninterest income | $2,594,000 | 1,526 |
| Gross Fiduciary activities income | $844,000 | 563 |
| Service charges on deposit accounts | $988,000 | 1,354 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $762,000 | 2,202 |
| Total noninterest expense | $10,158,000 | 1,444 |
| Salaries and employee benefits | $2,954,000 | 2,259 |
| Premises and equipment expense | $983,000 | 2,069 |
| Additional noninterest expense | $6,221,000 | 988 |
| Pre-tax net operating income | $4,733,000 | 1,537 |
| Securities gains (losses) | $-198,000 | 11,948 |
| Applicable income taxes | $1,425,000 | 1,625 |
| Income before extraordinary items | $3,110,000 | 1,574 |
| Extraordinary gains, net | $137,000 | 91 |
| Net income | $3,247,000 | 1,516 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $173,000 | 2,747 |
| Cash dividends | $1,285,000 | 1,583 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $3,246,620 | 1,528 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $18,109,000 | 1,726 |
| Total interest expense | $7,443,000 | 1,764 |
| Net interest income | $10,666,000 | 1,704 |
| Provision for loan and lease losses | $-480,000 | 13,169 |
| Total noninterest income | $2,483,000 | 1,684 |
| Gross Fiduciary activities income | $950,000 | 557 |
| Service charges on deposit accounts | $957,000 | 1,405 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $576,000 | 2,962 |
| Total noninterest expense | $10,272,000 | 1,492 |
| Salaries and employee benefits | $3,166,000 | 2,093 |
| Premises and equipment expense | $937,000 | 2,188 |
| Additional noninterest expense | $6,169,000 | 1,071 |
| Pre-tax net operating income | $3,357,000 | 2,028 |
| Securities gains (losses) | $111,000 | 2,352 |
| Applicable income taxes | $1,060,000 | 2,124 |
| Income before extraordinary items | $2,408,000 | 2,078 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,408,000 | 2,158 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $150,000 | 3,669 |
| Cash dividends | $1,011,000 | 1,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,331,410 | 2,022 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $20,282,000 | 1,749 |
| Total interest expense | $9,913,000 | 1,734 |
| Net interest income | $10,369,000 | 1,767 |
| Provision for loan and lease losses | $1,015,000 | 1,812 |
| Total noninterest income | $3,265,000 | 1,331 |
| Gross Fiduciary activities income | $1,017,000 | 550 |
| Service charges on deposit accounts | $857,000 | 1,583 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,391,000 | 1,589 |
| Total noninterest expense | $9,948,000 | 1,545 |
| Salaries and employee benefits | $4,092,000 | 1,615 |
| Premises and equipment expense | $1,113,000 | 1,899 |
| Additional noninterest expense | $4,743,000 | 1,385 |
| Pre-tax net operating income | $2,671,000 | 2,310 |
| Securities gains (losses) | $22,000 | 5,460 |
| Applicable income taxes | $798,000 | 2,628 |
| Income before extraordinary items | $1,895,000 | 2,411 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,895,000 | 2,455 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,002,000 | 1,555 |
| Cash dividends | $400,000 | 3,284 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,879,600 | 2,261 |
* 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.