Home > Normandy Bank > Income and Expense
Normandy Bank, Income and Expense
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $776,000 | 6,571 |
| Total interest expense | $222,000 | 6,798 |
| Net interest income | $554,000 | 6,316 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $209,000 | 4,050 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $208,000 | 1,956 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,000 | 9,034 |
| Total noninterest expense | $741,000 | 4,614 |
| Salaries and employee benefits | $402,000 | 4,596 |
| Premises and equipment expense | $70,000 | 5,840 |
| Additional noninterest expense | $269,000 | 3,983 |
| Pre-tax net operating income | $22,000 | 8,426 |
| Securities gains (losses) | $38,000 | 1,549 |
| Applicable income taxes | $3,000 | 7,063 |
| Income before extraordinary items | $57,000 | 7,745 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $57,000 | 7,745 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 8,840 |
| Cash dividends | $4,000 | 3,899 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $20,900 | 8,365 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,855,000 | 6,027 |
| Total interest expense | $1,172,000 | 6,496 |
| Net interest income | $2,683,000 | 5,674 |
| Provision for loan and lease losses | $257,000 | 3,796 |
| Total noninterest income | $946,000 | 3,599 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $900,000 | 1,790 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $46,000 | 7,707 |
| Total noninterest expense | $2,984,000 | 4,479 |
| Salaries and employee benefits | $1,560,000 | 4,545 |
| Premises and equipment expense | $265,000 | 5,945 |
| Additional noninterest expense | $1,159,000 | 3,717 |
| Pre-tax net operating income | $388,000 | 7,211 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $30,000 | 6,839 |
| Income before extraordinary items | $358,000 | 7,034 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $358,000 | 7,035 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $258,000 | 2,612 |
| Cash dividends | $16,000 | 6,257 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $358,000 | 6,907 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,732,000 | 5,809 |
| Total interest expense | $2,008,000 | 6,079 |
| Net interest income | $2,724,000 | 5,413 |
| Provision for loan and lease losses | $88,000 | 5,851 |
| Total noninterest income | $815,000 | 3,806 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $704,000 | 2,130 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $111,000 | 6,181 |
| Total noninterest expense | $2,774,000 | 4,608 |
| Salaries and employee benefits | $1,547,000 | 4,407 |
| Premises and equipment expense | $265,000 | 5,907 |
| Additional noninterest expense | $962,000 | 4,195 |
| Pre-tax net operating income | $677,000 | 5,903 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $177,000 | 5,216 |
| Income before extraordinary items | $500,000 | 6,079 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $500,000 | 6,081 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $150,000 | 3,371 |
| Cash dividends | $17,000 | 6,464 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $500,000 | 5,959 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,190,000 | 5,607 |
| Total interest expense | $2,404,000 | 5,703 |
| Net interest income | $2,786,000 | 5,418 |
| Provision for loan and lease losses | $207,000 | 3,670 |
| Total noninterest income | $683,000 | 4,071 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $568,000 | 2,406 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $115,000 | 6,102 |
| Total noninterest expense | $2,781,000 | 4,491 |
| Salaries and employee benefits | $1,552,000 | 4,242 |
| Premises and equipment expense | $234,000 | 6,266 |
| Additional noninterest expense | $995,000 | 4,013 |
| Pre-tax net operating income | $481,000 | 7,086 |
| Securities gains (losses) | $-2,000 | 7,578 |
| Applicable income taxes | $78,000 | 6,812 |
| Income before extraordinary items | $401,000 | 6,850 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $401,000 | 6,848 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $197,000 | 2,418 |
| Cash dividends | $16,000 | 6,718 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $402,680 | 6,853 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,467,000 | 5,965 |
| Total interest expense | $1,782,000 | 6,388 |
| Net interest income | $2,685,000 | 5,555 |
| Provision for loan and lease losses | $229,000 | 3,276 |
| Total noninterest income | $642,000 | 4,233 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $550,000 | 2,420 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $92,000 | 6,819 |
| Total noninterest expense | $2,623,000 | 4,696 |
| Salaries and employee benefits | $1,538,000 | 4,246 |
| Premises and equipment expense | $204,000 | 6,750 |
| Additional noninterest expense | $881,000 | 4,452 |
| Pre-tax net operating income | $475,000 | 7,252 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $78,000 | 7,215 |
| Income before extraordinary items | $397,000 | 7,009 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $397,000 | 7,008 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $174,000 | 2,604 |
| Cash dividends | $16,000 | 6,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $397,000 | 6,982 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,676,000 | 6,774 |
| Total interest expense | $1,521,000 | 7,145 |
| Net interest income | $2,155,000 | 6,375 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $668,000 | 4,106 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $572,000 | 2,248 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $96,000 | 6,726 |
| Total noninterest expense | $2,444,000 | 4,840 |
| Salaries and employee benefits | $1,346,000 | 4,632 |
| Premises and equipment expense | $185,000 | 6,955 |
| Additional noninterest expense | $913,000 | 4,250 |
| Pre-tax net operating income | $379,000 | 7,987 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $81,000 | 7,809 |
| Income before extraordinary items | $298,000 | 7,908 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $298,000 | 7,907 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 3,452 |
| Cash dividends | $16,000 | 7,304 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $298,000 | 7,824 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,716,000 | 6,939 |
| Total interest expense | $1,507,000 | 7,327 |
| Net interest income | $2,209,000 | 6,513 |
| Provision for loan and lease losses | $8,000 | 8,510 |
| Total noninterest income | $625,000 | 4,298 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $546,000 | 2,415 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $79,000 | 7,409 |
| Total noninterest expense | $2,416,000 | 4,922 |
| Salaries and employee benefits | $1,292,000 | 4,804 |
| Premises and equipment expense | $190,000 | 7,020 |
| Additional noninterest expense | $934,000 | 4,165 |
| Pre-tax net operating income | $410,000 | 8,392 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $108,000 | 8,273 |
| Income before extraordinary items | $302,000 | 8,359 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $302,000 | 8,361 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 4,868 |
| Cash dividends | $156,000 | 5,824 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $302,000 | 8,315 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,631,000 | 7,238 |
| Total interest expense | $1,442,000 | 7,720 |
| Net interest income | $2,189,000 | 6,792 |
| Provision for loan and lease losses | $106,000 | 4,950 |
| Total noninterest income | $651,000 | 4,316 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $548,000 | 2,485 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $103,000 | 7,023 |
| Total noninterest expense | $2,452,000 | 5,080 |
| Salaries and employee benefits | $1,280,000 | 4,907 |
| Premises and equipment expense | $156,000 | 7,919 |
| Additional noninterest expense | $1,016,000 | 4,354 |
| Pre-tax net operating income | $282,000 | 9,252 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $84,000 | 9,042 |
| Income before extraordinary items | $198,000 | 9,322 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $198,000 | 9,325 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $286,000 | 2,150 |
| Cash dividends | $320,000 | 4,362 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $198,000 | 9,261 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,852,000 | 7,155 |
| Total interest expense | $1,390,000 | 8,004 |
| Net interest income | $2,462,000 | 6,374 |
| Provision for loan and lease losses | $322,000 | 2,179 |
| Total noninterest income | $652,000 | 4,315 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $570,000 | 2,377 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $82,000 | 7,878 |
| Total noninterest expense | $2,476,000 | 5,040 |
| Salaries and employee benefits | $1,334,000 | 4,769 |
| Premises and equipment expense | $148,000 | 8,330 |
| Additional noninterest expense | $994,000 | 4,369 |
| Pre-tax net operating income | $316,000 | 9,627 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $58,000 | 10,021 |
| Income before extraordinary items | $258,000 | 9,344 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $258,000 | 9,348 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 6,236 |
| Cash dividends | $320,000 | 4,365 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $258,000 | 9,319 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,480,000 | 7,350 |
| Total interest expense | $1,106,000 | 8,272 |
| Net interest income | $2,374,000 | 6,709 |
| Provision for loan and lease losses | $278,000 | 2,410 |
| Total noninterest income | $753,000 | 3,907 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $647,000 | 2,094 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $106,000 | 7,329 |
| Total noninterest expense | $2,429,000 | 5,289 |
| Salaries and employee benefits | $1,331,000 | 4,780 |
| Premises and equipment expense | $129,000 | 9,118 |
| Additional noninterest expense | $969,000 | 4,840 |
| Pre-tax net operating income | $420,000 | 9,201 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $203,000 | 7,293 |
| Income before extraordinary items | $217,000 | 10,070 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $217,000 | 10,081 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 3,982 |
| Cash dividends | $321,000 | 4,288 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $217,000 | 10,134 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,358,000 | 7,744 |
| Total interest expense | $1,174,000 | 8,378 |
| Net interest income | $2,183,000 | 7,226 |
| Provision for loan and lease losses | $714,000 | 1,639 |
| Total noninterest income | $736,000 | 4,283 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $619,000 | 2,212 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $117,000 | 7,385 |
| Total noninterest expense | $2,415,000 | 5,424 |
| Salaries and employee benefits | $1,297,000 | 4,897 |
| Premises and equipment expense | $150,000 | 8,908 |
| Additional noninterest expense | $968,000 | 5,058 |
| Pre-tax net operating income | $-210,000 | 12,703 |
| Securities gains (losses) | $18,000 | 4,806 |
| Applicable income taxes | $-94,000 | 12,949 |
| Income before extraordinary items | $-98,000 | 12,663 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-98,000 | 12,684 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $655,000 | 1,497 |
| Cash dividends | $320,000 | 4,213 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-109,520 | 12,572 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,009,000 | 7,497 |
| Total interest expense | $1,617,000 | 8,147 |
| Net interest income | $2,392,000 | 6,806 |
| Provision for loan and lease losses | $576,000 | 2,703 |
| Total noninterest income | $717,000 | 4,330 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $628,000 | 2,163 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $89,000 | 8,478 |
| Total noninterest expense | $2,467,000 | 5,378 |
| Salaries and employee benefits | $1,422,000 | 4,435 |
| Premises and equipment expense | $147,000 | 9,210 |
| Additional noninterest expense | $898,000 | 5,533 |
| Pre-tax net operating income | $66,000 | 12,301 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $3,000 | 12,573 |
| Income before extraordinary items | $63,000 | 12,432 |
| Extraordinary gains, net | $-17,000 | 13,500 |
| Net income | $46,000 | 12,603 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $528,000 | 2,383 |
| Cash dividends | $280,000 | 4,201 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $63,000 | 12,147 |
* 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.