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Green Mountain Bank, Income and Expense

1996-12-31 (YTD Data)Rank
Total interest income$9,689,0003,371
Total interest expense$3,071,0004,679
Net interest income$6,618,0002,675
Provision for loan and lease losses$09,041
Total noninterest income$18,079,000412
Gross Fiduciary activities income$1,260,000455
Service charges on deposit accounts$340,0003,849
Trading account gains and fees$0262
Additional Noninterest Income$16,479,000326
Total noninterest expense$7,262,0001,940
Salaries and employee benefits$2,234,0002,984
Premises and equipment expense$784,0002,500
Additional noninterest expense$4,244,0001,297
Pre-tax net operating income$17,435,000505
Securities gains (losses)$31,0001,673
Applicable income taxes$5,660,000536
Income before extraordinary items$11,806,000502
Extraordinary gains, net$053
Net income$11,806,000502
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-27,00010,802
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$-8,707,00011,448
Net operating income$11,784,920499
1995-12-31 (YTD Data)Rank
Total interest income$18,422,0001,840
Total interest expense$7,187,0002,155
Net interest income$11,235,0001,597
Provision for loan and lease losses$08,958
Total noninterest income$8,372,000675
Gross Fiduciary activities income$1,850,000390
Service charges on deposit accounts$874,0001,551
Trading account gains and fees$0522
Additional Noninterest Income$5,648,000611
Total noninterest expense$11,482,0001,252
Salaries and employee benefits$4,380,0001,520
Premises and equipment expense$1,406,0001,462
Additional noninterest expense$5,696,0001,012
Pre-tax net operating income$8,125,000965
Securities gains (losses)$-28,00010,792
Applicable income taxes$2,739,000977
Income before extraordinary items$5,358,000993
Extraordinary gains, net$065
Net income$5,358,000991
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$445,0001,486
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$-3,129,00010,532
Net operating income$5,376,480982
1994-12-31 (YTD Data)Rank
Total interest income$15,888,0001,940
Total interest expense$5,139,0002,400
Net interest income$10,749,0001,682
Provision for loan and lease losses$-1,500,00012,545
Total noninterest income$3,517,0001,200
Gross Fiduciary activities income$1,865,000380
Service charges on deposit accounts$770,0001,756
Trading account gains and fees$0475
Additional Noninterest Income$882,0002,003
Total noninterest expense$13,732,0001,093
Salaries and employee benefits$4,657,0001,448
Premises and equipment expense$1,535,0001,362
Additional noninterest expense$7,540,000857
Pre-tax net operating income$2,034,0003,374
Securities gains (losses)$-13,00010,028
Applicable income taxes$-2,593,00012,563
Income before extraordinary items$4,614,0001,098
Extraordinary gains, net$0249
Net income$4,614,0001,096
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,407,000493
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$-2,000,00012,584
Net operating income$4,627,0001,104
1993-12-31 (YTD Data)Rank
Total interest income$16,015,0001,958
Total interest expense$5,926,0002,190
Net interest income$10,089,0001,783
Provision for loan and lease losses$010,371
Total noninterest income$3,753,0001,220
Gross Fiduciary activities income$1,925,000391
Service charges on deposit accounts$885,0001,540
Trading account gains and fees$2,000494
Additional Noninterest Income$941,0002,120
Total noninterest expense$15,210,0001,042
Salaries and employee benefits$5,038,0001,328
Premises and equipment expense$1,967,0001,090
Additional noninterest expense$8,205,000879
Pre-tax net operating income$-1,368,00013,028
Securities gains (losses)$07,477
Applicable income taxes$-2,942,00013,235
Income before extraordinary items$1,574,0003,097
Extraordinary gains, net$1,457,000164
Net income$3,031,0001,728
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,630,000822
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$1,574,0002,924
1992-12-31 (YTD Data)Rank
Total interest income$19,694,0001,800
Total interest expense$10,619,0001,630
Net interest income$9,075,0002,015
Provision for loan and lease losses$-305,00013,865
Total noninterest income$3,686,0001,216
Gross Fiduciary activities income$1,799,000410
Service charges on deposit accounts$1,008,0001,321
Trading account gains and fees$0504
Additional Noninterest Income$879,0002,177
Total noninterest expense$17,604,000945
Salaries and employee benefits$5,338,0001,258
Premises and equipment expense$2,407,000957
Additional noninterest expense$9,859,000774
Pre-tax net operating income$-4,538,00013,773
Securities gains (losses)$2,0007,695
Applicable income taxes$-2,617,00013,884
Income before extraordinary items$-1,919,00013,664
Extraordinary gains, net$01,422
Net income$-1,919,00013,662
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,248,000698
Cash dividends$30,0008,198
Sale, conversion, retirement of capital stock, net$2,000,000305
Net operating income$-1,920,28013,614

* 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.