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Great Barrington Savings Bank, Income and Expense

1996-12-31 (YTD Data)Rank
Total interest income$20,413,0001,642
Total interest expense$10,176,0001,566
Net interest income$10,237,0001,726
Provision for loan and lease losses$240,0003,003
Total noninterest income$973,0003,195
Gross Fiduciary activities income$346,000820
Service charges on deposit accounts$331,0003,934
Trading account gains and fees$0262
Additional Noninterest Income$296,0004,103
Total noninterest expense$7,149,0001,960
Salaries and employee benefits$4,268,0001,557
Premises and equipment expense$851,0002,315
Additional noninterest expense$2,030,0002,416
Pre-tax net operating income$3,821,0001,901
Securities gains (losses)$1,360,000207
Applicable income taxes$1,781,0001,365
Income before extraordinary items$3,400,0001,446
Extraordinary gains, net$053
Net income$3,400,0001,448
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$221,0002,518
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$2,502,4001,938
1995-12-31 (YTD Data)Rank
Total interest income$19,338,0001,761
Total interest expense$8,942,0001,778
Net interest income$10,396,0001,720
Provision for loan and lease losses$206,0002,940
Total noninterest income$940,0003,257
Gross Fiduciary activities income$333,000856
Service charges on deposit accounts$318,0004,084
Trading account gains and fees$0522
Additional Noninterest Income$289,0004,091
Total noninterest expense$6,768,0002,042
Salaries and employee benefits$3,891,0001,710
Premises and equipment expense$745,0002,654
Additional noninterest expense$2,132,0002,284
Pre-tax net operating income$4,362,0001,686
Securities gains (losses)$252,000580
Applicable income taxes$1,900,0001,330
Income before extraordinary items$2,714,0001,859
Extraordinary gains, net$065
Net income$2,714,0001,858
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-55,00011,512
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$2,552,7201,954
1994-12-31 (YTD Data)Rank
Total interest income$16,583,0001,857
Total interest expense$7,505,0001,669
Net interest income$9,078,0002,000
Provision for loan and lease losses$154,0003,551
Total noninterest income$976,0003,164
Gross Fiduciary activities income$331,000866
Service charges on deposit accounts$296,0004,402
Trading account gains and fees$0475
Additional Noninterest Income$349,0003,726
Total noninterest expense$6,917,0002,063
Salaries and employee benefits$3,626,0001,847
Premises and equipment expense$721,0002,760
Additional noninterest expense$2,570,0002,092
Pre-tax net operating income$2,983,0002,390
Securities gains (losses)$199,000501
Applicable income taxes$899,0002,486
Income before extraordinary items$2,283,0002,135
Extraordinary gains, net$0249
Net income$2,283,0002,133
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$328,0001,807
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$2,139,7202,298
1993-12-31 (YTD Data)Rank
Total interest income$16,183,0001,933
Total interest expense$8,171,0001,617
Net interest income$8,012,0002,241
Provision for loan and lease losses$340,0002,760
Total noninterest income$977,0003,404
Gross Fiduciary activities income$297,000941
Service charges on deposit accounts$302,0004,398
Trading account gains and fees$0532
Additional Noninterest Income$378,0003,902
Total noninterest expense$6,367,0002,277
Salaries and employee benefits$3,404,0001,946
Premises and equipment expense$699,0002,881
Additional noninterest expense$2,264,0002,453
Pre-tax net operating income$2,282,0002,943
Securities gains (losses)$337,0001,196
Applicable income taxes$921,0002,466
Income before extraordinary items$1,698,0002,896
Extraordinary gains, net$773,000294
Net income$2,471,0002,104
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-12,00011,843
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$1,478,9503,111
1992-12-31 (YTD Data)Rank
Total interest income$18,630,0001,902
Total interest expense$10,159,0001,696
Net interest income$8,471,0002,151
Provision for loan and lease losses$570,0002,721
Total noninterest income$936,0003,507
Gross Fiduciary activities income$300,000953
Service charges on deposit accounts$337,0004,055
Trading account gains and fees$0504
Additional Noninterest Income$299,0004,435
Total noninterest expense$6,523,0002,245
Salaries and employee benefits$3,367,0001,946
Premises and equipment expense$694,0002,940
Additional noninterest expense$2,462,0002,352
Pre-tax net operating income$2,314,0002,698
Securities gains (losses)$387,0001,315
Applicable income taxes$819,0002,546
Income before extraordinary items$1,882,0002,435
Extraordinary gains, net$01,422
Net income$1,882,0002,479
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$887,0001,684
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$1,611,1002,639

* 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.