Home > North Country Bank > Income and Expense
North Country Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,484,000 | 4,789 |
| Total interest expense | $2,674,000 | 5,142 |
| Net interest income | $3,810,000 | 4,414 |
| Provision for loan and lease losses | $400,000 | 2,088 |
| Total noninterest income | $437,000 | 5,429 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $342,000 | 3,686 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $95,000 | 6,917 |
| Total noninterest expense | $3,015,000 | 4,082 |
| Salaries and employee benefits | $1,164,000 | 5,228 |
| Premises and equipment expense | $373,000 | 4,681 |
| Additional noninterest expense | $1,478,000 | 2,769 |
| Pre-tax net operating income | $832,000 | 6,404 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $298,000 | 5,740 |
| Income before extraordinary items | $534,000 | 6,775 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $534,000 | 6,777 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $298,000 | 1,966 |
| Cash dividends | $1,158,000 | 1,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $534,000 | 6,717 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,197,000 | 7,734 |
| Total interest expense | $1,229,000 | 8,295 |
| Net interest income | $1,968,000 | 7,212 |
| Provision for loan and lease losses | $244,000 | 2,987 |
| Total noninterest income | $207,000 | 8,128 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $149,000 | 6,483 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $58,000 | 8,550 |
| Total noninterest expense | $1,523,000 | 7,043 |
| Salaries and employee benefits | $716,000 | 7,418 |
| Premises and equipment expense | $242,000 | 6,359 |
| Additional noninterest expense | $565,000 | 6,579 |
| Pre-tax net operating income | $408,000 | 8,457 |
| Securities gains (losses) | $2,000 | 3,501 |
| Applicable income taxes | $128,000 | 8,253 |
| Income before extraordinary items | $282,000 | 8,572 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $282,000 | 8,569 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $103,000 | 3,872 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $280,620 | 8,517 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,890,000 | 8,376 |
| Total interest expense | $1,156,000 | 8,734 |
| Net interest income | $1,734,000 | 7,926 |
| Provision for loan and lease losses | $40,000 | 6,618 |
| Total noninterest income | $186,000 | 8,658 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $105,000 | 7,660 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $81,000 | 7,917 |
| Total noninterest expense | $1,535,000 | 7,160 |
| Salaries and employee benefits | $733,000 | 7,508 |
| Premises and equipment expense | $247,000 | 6,404 |
| Additional noninterest expense | $555,000 | 6,821 |
| Pre-tax net operating income | $345,000 | 9,428 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $84,000 | 9,508 |
| Income before extraordinary items | $261,000 | 9,316 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $261,000 | 9,321 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,638 |
| Cash dividends | $78,000 | 7,226 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $261,000 | 9,291 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,587,000 | 8,751 |
| Total interest expense | $955,000 | 8,885 |
| Net interest income | $1,632,000 | 8,507 |
| Provision for loan and lease losses | $77,000 | 5,110 |
| Total noninterest income | $213,000 | 8,516 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $98,000 | 8,150 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $115,000 | 7,070 |
| Total noninterest expense | $1,354,000 | 8,063 |
| Salaries and employee benefits | $662,000 | 8,177 |
| Premises and equipment expense | $171,000 | 8,060 |
| Additional noninterest expense | $521,000 | 7,661 |
| Pre-tax net operating income | $414,000 | 9,254 |
| Securities gains (losses) | $-4,000 | 9,291 |
| Applicable income taxes | $117,000 | 8,983 |
| Income before extraordinary items | $293,000 | 9,217 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $293,000 | 9,222 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 4,525 |
| Cash dividends | $78,000 | 7,375 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $295,840 | 9,259 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,573,000 | 9,053 |
| Total interest expense | $1,090,000 | 8,729 |
| Net interest income | $1,483,000 | 9,168 |
| Provision for loan and lease losses | $64,000 | 6,841 |
| Total noninterest income | $162,000 | 9,978 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $84,000 | 8,884 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $78,000 | 8,723 |
| Total noninterest expense | $1,231,000 | 8,773 |
| Salaries and employee benefits | $563,000 | 9,101 |
| Premises and equipment expense | $115,000 | 9,950 |
| Additional noninterest expense | $553,000 | 7,742 |
| Pre-tax net operating income | $350,000 | 9,805 |
| Securities gains (losses) | $30,000 | 4,104 |
| Applicable income taxes | $85,000 | 10,101 |
| Income before extraordinary items | $295,000 | 9,542 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $295,000 | 9,695 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 7,294 |
| Cash dividends | $63,000 | 7,651 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $271,600 | 9,546 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,613,000 | 9,700 |
| Total interest expense | $1,267,000 | 9,371 |
| Net interest income | $1,346,000 | 9,818 |
| Provision for loan and lease losses | $89,000 | 7,639 |
| Total noninterest income | $112,000 | 11,406 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $75,000 | 9,378 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $37,000 | 11,257 |
| Total noninterest expense | $1,088,000 | 9,575 |
| Salaries and employee benefits | $508,000 | 9,707 |
| Premises and equipment expense | $130,000 | 9,690 |
| Additional noninterest expense | $450,000 | 8,966 |
| Pre-tax net operating income | $281,000 | 10,325 |
| Securities gains (losses) | $13,000 | 6,142 |
| Applicable income taxes | $77,000 | 10,525 |
| Income before extraordinary items | $217,000 | 10,369 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $217,000 | 10,507 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 6,878 |
| Cash dividends | $59,000 | 7,502 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $207,380 | 10,157 |
* 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.