Home > Interbank of New York > Income and Expense
Interbank of New York, Income and Expense
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $14,222,000 | 1,994 |
| Total interest expense | $3,077,000 | 2,801 |
| Net interest income | $11,145,000 | 1,742 |
| Provision for loan and lease losses | $398,000 | 2,610 |
| Total noninterest income | $1,721,000 | 2,573 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,260,000 | 1,377 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $461,000 | 3,722 |
| Total noninterest expense | $8,691,000 | 1,820 |
| Salaries and employee benefits | $3,730,000 | 2,278 |
| Premises and equipment expense | $1,420,000 | 1,604 |
| Additional noninterest expense | $3,541,000 | 1,385 |
| Pre-tax net operating income | $3,777,000 | 2,063 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $1,772,000 | 1,401 |
| Income before extraordinary items | $2,005,000 | 2,858 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,005,000 | 2,859 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $212,000 | 2,789 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,005,000 | 2,732 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $10,865,000 | 1,988 |
| Total interest expense | $2,408,000 | 2,782 |
| Net interest income | $8,457,000 | 1,738 |
| Provision for loan and lease losses | $90,000 | 4,812 |
| Total noninterest income | $1,283,000 | 2,643 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $932,000 | 1,405 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $351,000 | 3,770 |
| Total noninterest expense | $6,690,000 | 1,785 |
| Salaries and employee benefits | $2,715,000 | 2,334 |
| Premises and equipment expense | $1,078,000 | 1,589 |
| Additional noninterest expense | $2,897,000 | 1,286 |
| Pre-tax net operating income | $2,960,000 | 2,071 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $1,389,000 | 1,429 |
| Income before extraordinary items | $1,571,000 | 2,866 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,571,000 | 2,866 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-28,000 | 8,801 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,571,000 | 2,725 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $7,239,000 | 2,009 |
| Total interest expense | $1,690,000 | 2,726 |
| Net interest income | $5,549,000 | 1,755 |
| Provision for loan and lease losses | $45,000 | 5,281 |
| Total noninterest income | $849,000 | 2,636 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $618,000 | 1,384 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $231,000 | 3,762 |
| Total noninterest expense | $4,667,000 | 1,719 |
| Salaries and employee benefits | $1,849,000 | 2,285 |
| Premises and equipment expense | $703,000 | 1,632 |
| Additional noninterest expense | $2,115,000 | 1,190 |
| Pre-tax net operating income | $1,686,000 | 2,364 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $792,000 | 1,632 |
| Income before extraordinary items | $894,000 | 3,224 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $894,000 | 3,224 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-26,000 | 8,828 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $894,000 | 3,059 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,628,000 | 2,021 |
| Total interest expense | $898,000 | 2,653 |
| Net interest income | $2,730,000 | 1,782 |
| Provision for loan and lease losses | $30,000 | 4,429 |
| Total noninterest income | $430,000 | 2,552 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $304,000 | 1,368 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $126,000 | 3,520 |
| Total noninterest expense | $1,997,000 | 1,963 |
| Salaries and employee benefits | $950,000 | 2,214 |
| Premises and equipment expense | $344,000 | 1,668 |
| Additional noninterest expense | $703,000 | 1,676 |
| Pre-tax net operating income | $1,133,000 | 1,835 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $533,000 | 1,293 |
| Income before extraordinary items | $600,000 | 2,543 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $600,000 | 2,540 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-42,000 | 9,076 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $600,000 | 2,409 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $14,171,000 | 2,170 |
| Total interest expense | $3,770,000 | 2,887 |
| Net interest income | $10,401,000 | 1,876 |
| Provision for loan and lease losses | $240,000 | 3,935 |
| Total noninterest income | $1,790,000 | 2,331 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,283,000 | 1,263 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $507,000 | 3,267 |
| Total noninterest expense | $7,286,000 | 2,063 |
| Salaries and employee benefits | $3,374,000 | 2,369 |
| Premises and equipment expense | $1,212,000 | 1,833 |
| Additional noninterest expense | $2,700,000 | 1,738 |
| Pre-tax net operating income | $4,665,000 | 1,740 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $2,195,000 | 1,194 |
| Income before extraordinary items | $2,470,000 | 2,378 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,470,000 | 2,377 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $121,000 | 3,865 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,470,000 | 2,299 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $15,192,000 | 2,243 |
| Total interest expense | $5,458,000 | 2,909 |
| Net interest income | $9,734,000 | 1,831 |
| Provision for loan and lease losses | $430,000 | 2,467 |
| Total noninterest income | $1,483,000 | 2,526 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,002,000 | 1,469 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $481,000 | 3,197 |
| Total noninterest expense | $7,223,000 | 1,987 |
| Salaries and employee benefits | $2,723,000 | 2,743 |
| Premises and equipment expense | $1,174,000 | 1,834 |
| Additional noninterest expense | $3,326,000 | 1,407 |
| Pre-tax net operating income | $3,564,000 | 1,952 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $1,657,000 | 1,372 |
| Income before extraordinary items | $1,907,000 | 2,647 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,907,000 | 2,652 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 4,356 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,907,000 | 2,566 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $14,744,000 | 2,370 |
| Total interest expense | $6,251,000 | 2,675 |
| Net interest income | $8,493,000 | 2,088 |
| Provision for loan and lease losses | $465,000 | 2,005 |
| Total noninterest income | $1,318,000 | 2,576 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $787,000 | 1,763 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $531,000 | 2,850 |
| Total noninterest expense | $5,831,000 | 2,345 |
| Salaries and employee benefits | $2,538,000 | 2,795 |
| Premises and equipment expense | $1,142,000 | 1,836 |
| Additional noninterest expense | $2,151,000 | 2,016 |
| Pre-tax net operating income | $3,515,000 | 2,073 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,667,000 | 1,378 |
| Income before extraordinary items | $1,848,000 | 2,751 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,848,000 | 2,750 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $519,000 | 1,213 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,848,000 | 2,749 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $12,882,000 | 2,542 |
| Total interest expense | $5,050,000 | 2,890 |
| Net interest income | $7,832,000 | 2,242 |
| Provision for loan and lease losses | $70,000 | 5,912 |
| Total noninterest income | $1,388,000 | 2,417 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $689,000 | 1,936 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $699,000 | 2,383 |
| Total noninterest expense | $7,144,000 | 1,918 |
| Salaries and employee benefits | $3,151,000 | 2,227 |
| Premises and equipment expense | $1,079,000 | 1,899 |
| Additional noninterest expense | $2,914,000 | 1,548 |
| Pre-tax net operating income | $2,006,000 | 3,334 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $942,000 | 2,310 |
| Income before extraordinary items | $1,064,000 | 4,229 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,064,000 | 4,232 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $123,000 | 3,187 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,064,000 | 4,195 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $12,201,000 | 2,672 |
| Total interest expense | $5,312,000 | 2,836 |
| Net interest income | $6,889,000 | 2,459 |
| Provision for loan and lease losses | $130,000 | 4,466 |
| Total noninterest income | $1,083,000 | 2,905 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $466,000 | 2,718 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $617,000 | 2,597 |
| Total noninterest expense | $4,819,000 | 2,713 |
| Salaries and employee benefits | $2,130,000 | 3,149 |
| Premises and equipment expense | $891,000 | 2,184 |
| Additional noninterest expense | $1,798,000 | 2,325 |
| Pre-tax net operating income | $3,023,000 | 2,356 |
| Securities gains (losses) | $3,000 | 3,720 |
| Applicable income taxes | $1,392,000 | 1,744 |
| Income before extraordinary items | $1,634,000 | 3,037 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,634,000 | 3,038 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 9,653 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,632,080 | 2,953 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $10,038,000 | 3,224 |
| Total interest expense | $4,396,000 | 3,360 |
| Net interest income | $5,642,000 | 3,095 |
| Provision for loan and lease losses | $210,000 | 3,330 |
| Total noninterest income | $721,000 | 3,893 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $445,000 | 2,926 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $276,000 | 4,114 |
| Total noninterest expense | $4,177,000 | 3,053 |
| Salaries and employee benefits | $1,792,000 | 3,652 |
| Premises and equipment expense | $697,000 | 2,749 |
| Additional noninterest expense | $1,688,000 | 2,441 |
| Pre-tax net operating income | $1,976,000 | 3,573 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $711,000 | 3,202 |
| Income before extraordinary items | $1,265,000 | 3,883 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,265,000 | 3,882 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-35,000 | 10,406 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,265,000 | 3,814 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,521,000 | 3,805 |
| Total interest expense | $3,741,000 | 3,945 |
| Net interest income | $4,780,000 | 3,693 |
| Provision for loan and lease losses | $300,000 | 2,555 |
| Total noninterest income | $588,000 | 4,631 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $380,000 | 3,486 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $208,000 | 5,053 |
| Total noninterest expense | $3,546,000 | 3,732 |
| Salaries and employee benefits | $1,543,000 | 4,207 |
| Premises and equipment expense | $561,000 | 3,421 |
| Additional noninterest expense | $1,442,000 | 3,230 |
| Pre-tax net operating income | $1,522,000 | 4,288 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $16,000 | 10,270 |
| Income before extraordinary items | $1,506,000 | 3,174 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,506,000 | 3,174 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 4,511 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,506,000 | 3,141 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,958,000 | 4,580 |
| Total interest expense | $3,404,000 | 4,263 |
| Net interest income | $3,554,000 | 4,800 |
| Provision for loan and lease losses | $290,000 | 2,346 |
| Total noninterest income | $582,000 | 4,675 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $263,000 | 4,768 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $319,000 | 3,861 |
| Total noninterest expense | $3,168,000 | 4,089 |
| Salaries and employee benefits | $1,300,000 | 4,861 |
| Premises and equipment expense | $570,000 | 3,354 |
| Additional noninterest expense | $1,298,000 | 3,500 |
| Pre-tax net operating income | $678,000 | 7,426 |
| Securities gains (losses) | $6,000 | 2,714 |
| Applicable income taxes | $67,000 | 9,845 |
| Income before extraordinary items | $617,000 | 6,514 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $617,000 | 6,512 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 3,821 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $3,920,000 | 132 |
| Net operating income | $611,600 | 6,533 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,981,000 | 5,682 |
| Total interest expense | $1,949,000 | 5,726 |
| Net interest income | $3,032,000 | 5,576 |
| Provision for loan and lease losses | $254,000 | 2,564 |
| Total noninterest income | $696,000 | 4,137 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $134,000 | 7,250 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $562,000 | 2,722 |
| Total noninterest expense | $2,794,000 | 4,692 |
| Salaries and employee benefits | $1,094,000 | 5,669 |
| Premises and equipment expense | $381,000 | 4,781 |
| Additional noninterest expense | $1,319,000 | 3,734 |
| Pre-tax net operating income | $680,000 | 7,518 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $-79,000 | 12,268 |
| Income before extraordinary items | $759,000 | 5,564 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $759,000 | 5,579 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $207,000 | 2,446 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $759,000 | 5,636 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,972,000 | 6,907 |
| Total interest expense | $1,713,000 | 6,584 |
| Net interest income | $2,259,000 | 7,015 |
| Provision for loan and lease losses | $499,000 | 2,110 |
| Total noninterest income | $1,033,000 | 3,257 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $141,000 | 7,319 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $892,000 | 2,214 |
| Total noninterest expense | $3,782,000 | 3,662 |
| Salaries and employee benefits | $1,586,000 | 4,055 |
| Premises and equipment expense | $492,000 | 3,916 |
| Additional noninterest expense | $1,704,000 | 3,125 |
| Pre-tax net operating income | $-989,000 | 12,976 |
| Securities gains (losses) | $49,000 | 3,427 |
| Applicable income taxes | $8,000 | 11,870 |
| Income before extraordinary items | $-948,000 | 12,992 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-948,000 | 12,991 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $370,000 | 2,169 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-997,000 | 12,959 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,389,000 | 8,345 |
| Total interest expense | $1,531,000 | 8,422 |
| Net interest income | $1,858,000 | 8,176 |
| Provision for loan and lease losses | $589,000 | 2,676 |
| Total noninterest income | $764,000 | 4,101 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $129,000 | 7,713 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $635,000 | 2,720 |
| Total noninterest expense | $3,212,000 | 4,253 |
| Salaries and employee benefits | $1,305,000 | 4,805 |
| Premises and equipment expense | $406,000 | 4,737 |
| Additional noninterest expense | $1,501,000 | 3,596 |
| Pre-tax net operating income | $-1,179,000 | 13,511 |
| Securities gains (losses) | $194,000 | 2,051 |
| Applicable income taxes | $6,000 | 12,482 |
| Income before extraordinary items | $-991,000 | 13,547 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-991,000 | 13,546 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $365,000 | 2,983 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-1,185,000 | 13,521 |
* 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.