Home > Nazareth National Bank and Trust Company > Income and Expense
Nazareth National Bank and Trust Company, Income and Expense
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $22,086,000 | 975 |
| Total interest expense | $8,400,000 | 830 |
| Net interest income | $13,686,000 | 1,068 |
| Provision for loan and lease losses | $925,000 | 956 |
| Total noninterest income | $3,823,000 | 1,132 |
| Gross Fiduciary activities income | $947,000 | 345 |
| Service charges on deposit accounts | $1,344,000 | 971 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,532,000 | 1,518 |
| Total noninterest expense | $13,960,000 | 869 |
| Salaries and employee benefits | $6,815,000 | 955 |
| Premises and equipment expense | $1,892,000 | 906 |
| Additional noninterest expense | $5,253,000 | 745 |
| Pre-tax net operating income | $2,624,000 | 2,284 |
| Securities gains (losses) | $1,464,000 | 344 |
| Applicable income taxes | $762,000 | 2,268 |
| Income before extraordinary items | $3,326,000 | 1,478 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $3,326,000 | 1,478 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $620,000 | 999 |
| Cash dividends | $1,805,000 | 1,098 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,140,160 | 2,080 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $14,888,000 | 974 |
| Total interest expense | $5,682,000 | 844 |
| Net interest income | $9,206,000 | 1,058 |
| Provision for loan and lease losses | $575,000 | 1,029 |
| Total noninterest income | $2,743,000 | 1,072 |
| Gross Fiduciary activities income | $610,000 | 358 |
| Service charges on deposit accounts | $896,000 | 959 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,237,000 | 1,304 |
| Total noninterest expense | $10,131,000 | 803 |
| Salaries and employee benefits | $4,980,000 | 862 |
| Premises and equipment expense | $1,306,000 | 874 |
| Additional noninterest expense | $3,845,000 | 696 |
| Pre-tax net operating income | $1,243,000 | 3,000 |
| Securities gains (losses) | $1,300,000 | 302 |
| Applicable income taxes | $450,000 | 2,479 |
| Income before extraordinary items | $2,093,000 | 1,554 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,093,000 | 1,553 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $431,000 | 937 |
| Cash dividends | $1,206,000 | 1,114 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,027,000 | 2,762 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $7,557,000 | 970 |
| Total interest expense | $2,925,000 | 846 |
| Net interest income | $4,632,000 | 1,046 |
| Provision for loan and lease losses | $200,000 | 1,357 |
| Total noninterest income | $1,329,000 | 1,073 |
| Gross Fiduciary activities income | $285,000 | 377 |
| Service charges on deposit accounts | $459,000 | 901 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $585,000 | 1,327 |
| Total noninterest expense | $5,270,000 | 772 |
| Salaries and employee benefits | $2,575,000 | 834 |
| Premises and equipment expense | $642,000 | 895 |
| Additional noninterest expense | $2,053,000 | 647 |
| Pre-tax net operating income | $491,000 | 3,547 |
| Securities gains (losses) | $765,000 | 267 |
| Applicable income taxes | $205,000 | 2,653 |
| Income before extraordinary items | $1,051,000 | 1,533 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,051,000 | 1,531 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $172,000 | 1,034 |
| Cash dividends | $600,000 | 1,046 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $408,400 | 3,245 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $29,454,000 | 1,048 |
| Total interest expense | $12,089,000 | 923 |
| Net interest income | $17,365,000 | 1,106 |
| Provision for loan and lease losses | $1,541,000 | 924 |
| Total noninterest income | $5,162,000 | 1,027 |
| Gross Fiduciary activities income | $1,197,000 | 372 |
| Service charges on deposit accounts | $1,931,000 | 827 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,034,000 | 1,292 |
| Total noninterest expense | $16,920,000 | 931 |
| Salaries and employee benefits | $9,054,000 | 892 |
| Premises and equipment expense | $2,454,000 | 886 |
| Additional noninterest expense | $5,412,000 | 919 |
| Pre-tax net operating income | $4,066,000 | 1,966 |
| Securities gains (losses) | $1,226,000 | 373 |
| Applicable income taxes | $1,037,000 | 2,156 |
| Income before extraordinary items | $4,255,000 | 1,464 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $4,255,000 | 1,461 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $721,000 | 1,243 |
| Cash dividends | $1,801,000 | 1,429 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,274,200 | 1,764 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $29,966,000 | 1,132 |
| Total interest expense | $14,065,000 | 1,140 |
| Net interest income | $15,901,000 | 1,118 |
| Provision for loan and lease losses | $580,000 | 1,959 |
| Total noninterest income | $4,410,000 | 1,101 |
| Gross Fiduciary activities income | $1,286,000 | 370 |
| Service charges on deposit accounts | $1,726,000 | 853 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,398,000 | 1,620 |
| Total noninterest expense | $16,366,000 | 912 |
| Salaries and employee benefits | $8,223,000 | 911 |
| Premises and equipment expense | $2,520,000 | 833 |
| Additional noninterest expense | $5,623,000 | 868 |
| Pre-tax net operating income | $3,365,000 | 2,043 |
| Securities gains (losses) | $783,000 | 466 |
| Applicable income taxes | $750,000 | 2,548 |
| Income before extraordinary items | $3,398,000 | 1,565 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $3,398,000 | 1,567 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $727,000 | 1,183 |
| Cash dividends | $1,489,000 | 1,687 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,755,940 | 1,829 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $29,214,000 | 1,202 |
| Total interest expense | $14,061,000 | 1,238 |
| Net interest income | $15,153,000 | 1,162 |
| Provision for loan and lease losses | $375,000 | 2,395 |
| Total noninterest income | $4,030,000 | 1,064 |
| Gross Fiduciary activities income | $1,250,000 | 380 |
| Service charges on deposit accounts | $1,462,000 | 918 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,318,000 | 1,537 |
| Total noninterest expense | $16,781,000 | 847 |
| Salaries and employee benefits | $7,437,000 | 943 |
| Premises and equipment expense | $2,384,000 | 835 |
| Additional noninterest expense | $6,960,000 | 747 |
| Pre-tax net operating income | $2,027,000 | 3,293 |
| Securities gains (losses) | $17,000 | 991 |
| Applicable income taxes | $184,000 | 5,557 |
| Income before extraordinary items | $1,860,000 | 2,731 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,860,000 | 2,730 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $401,000 | 1,475 |
| Cash dividends | $1,407,000 | 1,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,844,530 | 2,755 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $26,291,000 | 1,237 |
| Total interest expense | $11,541,000 | 1,311 |
| Net interest income | $14,750,000 | 1,192 |
| Provision for loan and lease losses | $375,000 | 2,203 |
| Total noninterest income | $3,786,000 | 1,139 |
| Gross Fiduciary activities income | $1,251,000 | 411 |
| Service charges on deposit accounts | $1,250,000 | 1,064 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,285,000 | 1,550 |
| Total noninterest expense | $14,581,000 | 959 |
| Salaries and employee benefits | $6,780,000 | 1,018 |
| Premises and equipment expense | $2,157,000 | 932 |
| Additional noninterest expense | $5,644,000 | 878 |
| Pre-tax net operating income | $3,580,000 | 2,039 |
| Securities gains (losses) | $162,000 | 599 |
| Applicable income taxes | $783,000 | 2,692 |
| Income before extraordinary items | $2,959,000 | 1,798 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,959,000 | 1,799 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $629,000 | 1,013 |
| Cash dividends | $1,321,000 | 1,848 |
| Sale, conversion, retirement of capital stock, net | $-18,000 | 10,064 |
| Net operating income | $2,831,020 | 1,844 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $25,274,000 | 1,279 |
| Total interest expense | $10,961,000 | 1,408 |
| Net interest income | $14,313,000 | 1,188 |
| Provision for loan and lease losses | $450,000 | 1,869 |
| Total noninterest income | $3,403,000 | 1,221 |
| Gross Fiduciary activities income | $1,231,000 | 411 |
| Service charges on deposit accounts | $1,231,000 | 1,003 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $941,000 | 1,948 |
| Total noninterest expense | $14,008,000 | 970 |
| Salaries and employee benefits | $6,384,000 | 1,025 |
| Premises and equipment expense | $2,062,000 | 937 |
| Additional noninterest expense | $5,562,000 | 890 |
| Pre-tax net operating income | $3,258,000 | 2,202 |
| Securities gains (losses) | $28,000 | 2,162 |
| Applicable income taxes | $791,000 | 2,766 |
| Income before extraordinary items | $2,495,000 | 2,089 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,495,000 | 2,088 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $423,000 | 1,441 |
| Cash dividends | $638,000 | 3,017 |
| Sale, conversion, retirement of capital stock, net | $100,000 | 774 |
| Net operating income | $2,473,720 | 2,031 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $25,333,000 | 1,314 |
| Total interest expense | $10,904,000 | 1,434 |
| Net interest income | $14,429,000 | 1,216 |
| Provision for loan and lease losses | $605,000 | 1,499 |
| Total noninterest income | $2,977,000 | 1,300 |
| Gross Fiduciary activities income | $1,056,000 | 452 |
| Service charges on deposit accounts | $1,133,000 | 1,104 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $788,000 | 2,051 |
| Total noninterest expense | $12,902,000 | 1,055 |
| Salaries and employee benefits | $6,032,000 | 1,089 |
| Premises and equipment expense | $2,119,000 | 942 |
| Additional noninterest expense | $4,751,000 | 1,009 |
| Pre-tax net operating income | $3,899,000 | 1,925 |
| Securities gains (losses) | $41,000 | 1,451 |
| Applicable income taxes | $1,111,000 | 2,226 |
| Income before extraordinary items | $2,829,000 | 1,862 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,829,000 | 1,861 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $473,000 | 1,400 |
| Cash dividends | $1,138,000 | 1,968 |
| Sale, conversion, retirement of capital stock, net | $50,000 | 842 |
| Net operating income | $2,799,480 | 1,830 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $23,028,000 | 1,467 |
| Total interest expense | $9,656,000 | 1,644 |
| Net interest income | $13,372,000 | 1,338 |
| Provision for loan and lease losses | $670,000 | 1,371 |
| Total noninterest income | $2,304,000 | 1,645 |
| Gross Fiduciary activities income | $701,000 | 615 |
| Service charges on deposit accounts | $978,000 | 1,379 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $625,000 | 2,502 |
| Total noninterest expense | $11,431,000 | 1,260 |
| Salaries and employee benefits | $5,614,000 | 1,186 |
| Premises and equipment expense | $2,118,000 | 999 |
| Additional noninterest expense | $3,699,000 | 1,440 |
| Pre-tax net operating income | $3,575,000 | 2,018 |
| Securities gains (losses) | $15,000 | 2,201 |
| Applicable income taxes | $1,043,000 | 2,266 |
| Income before extraordinary items | $2,547,000 | 1,941 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,547,000 | 1,942 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $581,000 | 1,267 |
| Cash dividends | $1,010,000 | 2,108 |
| Sale, conversion, retirement of capital stock, net | $18,000 | 830 |
| Net operating income | $2,536,350 | 1,909 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $21,794,000 | 1,553 |
| Total interest expense | $9,343,000 | 1,705 |
| Net interest income | $12,451,000 | 1,441 |
| Provision for loan and lease losses | $1,798,000 | 624 |
| Total noninterest income | $2,178,000 | 1,716 |
| Gross Fiduciary activities income | $641,000 | 667 |
| Service charges on deposit accounts | $949,000 | 1,441 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $588,000 | 2,571 |
| Total noninterest expense | $11,048,000 | 1,294 |
| Salaries and employee benefits | $5,131,000 | 1,297 |
| Premises and equipment expense | $1,910,000 | 1,111 |
| Additional noninterest expense | $4,007,000 | 1,335 |
| Pre-tax net operating income | $1,783,000 | 3,871 |
| Securities gains (losses) | $-25,000 | 10,717 |
| Applicable income taxes | $493,000 | 4,238 |
| Income before extraordinary items | $1,265,000 | 3,777 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,265,000 | 3,774 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,543,000 | 670 |
| Cash dividends | $729,000 | 2,589 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,283,000 | 3,702 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $18,901,000 | 1,629 |
| Total interest expense | $7,202,000 | 1,750 |
| Net interest income | $11,699,000 | 1,539 |
| Provision for loan and lease losses | $420,000 | 1,753 |
| Total noninterest income | $1,936,000 | 1,873 |
| Gross Fiduciary activities income | $617,000 | 673 |
| Service charges on deposit accounts | $798,000 | 1,690 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $521,000 | 2,882 |
| Total noninterest expense | $9,996,000 | 1,469 |
| Salaries and employee benefits | $4,639,000 | 1,455 |
| Premises and equipment expense | $1,697,000 | 1,233 |
| Additional noninterest expense | $3,660,000 | 1,520 |
| Pre-tax net operating income | $3,219,000 | 2,203 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $996,000 | 2,248 |
| Income before extraordinary items | $2,223,000 | 2,202 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,223,000 | 2,200 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $186,000 | 2,612 |
| Cash dividends | $960,000 | 1,994 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,223,000 | 2,221 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $18,432,000 | 1,696 |
| Total interest expense | $7,621,000 | 1,733 |
| Net interest income | $10,811,000 | 1,678 |
| Provision for loan and lease losses | $765,000 | 1,566 |
| Total noninterest income | $2,126,000 | 1,884 |
| Gross Fiduciary activities income | $606,000 | 697 |
| Service charges on deposit accounts | $644,000 | 2,127 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $876,000 | 2,243 |
| Total noninterest expense | $9,735,000 | 1,559 |
| Salaries and employee benefits | $4,294,000 | 1,570 |
| Premises and equipment expense | $1,546,000 | 1,381 |
| Additional noninterest expense | $3,895,000 | 1,556 |
| Pre-tax net operating income | $2,437,000 | 2,773 |
| Securities gains (losses) | $271,000 | 1,393 |
| Applicable income taxes | $809,000 | 2,738 |
| Income before extraordinary items | $1,899,000 | 2,653 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,899,000 | 2,734 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $652,000 | 1,503 |
| Cash dividends | $776,000 | 2,210 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,709,300 | 2,730 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $19,518,000 | 1,819 |
| Total interest expense | $9,395,000 | 1,805 |
| Net interest income | $10,123,000 | 1,808 |
| Provision for loan and lease losses | $1,119,000 | 1,708 |
| Total noninterest income | $1,557,000 | 2,322 |
| Gross Fiduciary activities income | $586,000 | 711 |
| Service charges on deposit accounts | $573,000 | 2,409 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $398,000 | 3,720 |
| Total noninterest expense | $10,263,000 | 1,496 |
| Salaries and employee benefits | $3,909,000 | 1,701 |
| Premises and equipment expense | $1,512,000 | 1,432 |
| Additional noninterest expense | $4,842,000 | 1,361 |
| Pre-tax net operating income | $298,000 | 10,160 |
| Securities gains (losses) | $216,000 | 1,906 |
| Applicable income taxes | $18,000 | 12,166 |
| Income before extraordinary items | $496,000 | 7,369 |
| Extraordinary gains, net | $117,000 | 668 |
| Net income | $613,000 | 6,563 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $981,000 | 1,584 |
| Cash dividends | $720,000 | 2,080 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $288,640 | 9,074 |
* 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.