Home > Pacesetter Bank of Montpelier > Income and Expense

Pacesetter Bank of Montpelier, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$2,233,000	9,048
Total interest expense	$1,041,000	8,877
Net interest income	$1,192,000	9,044
Provision for loan and lease losses	$98,000	5,180
Total noninterest income	$165,000	8,776
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$126,000	6,956
Trading account gains and fees	NA	NA
Additional Noninterest Income	$39,000	9,409
Total noninterest expense	$991,000	8,697
Salaries and employee benefits	$415,000	9,502
Premises and equipment expense	$144,000	8,199
Additional noninterest expense	$432,000	7,612
Pre-tax net operating income	$268,000	9,348
Securities gains (losses)	$0	4,148
Applicable income taxes	$87,000	8,980
Income before extraordinary items	$181,000	9,482
Extraordinary gains, net	$0	53
Net income	$181,000	9,484
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$101,000	3,913
Cash dividends	$72,000	7,190
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$181,000	9,424
1995-12-31 (YTD Data)		Rank
Total interest income	$2,079,000	9,595
Total interest expense	$970,000	9,359
Net interest income	$1,109,000	9,599
Provision for loan and lease losses	$2,000	8,854
Total noninterest income	$162,000	9,105
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$114,000	7,451
Trading account gains and fees	NA	NA
Additional Noninterest Income	$48,000	9,325
Total noninterest expense	$937,000	9,226
Salaries and employee benefits	$391,000	10,010
Premises and equipment expense	$138,000	8,574
Additional noninterest expense	$408,000	8,112
Pre-tax net operating income	$332,000	9,513
Securities gains (losses)	$0	3,831
Applicable income taxes	$111,000	8,958
Income before extraordinary items	$221,000	9,710
Extraordinary gains, net	$0	65
Net income	$221,000	9,715
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	9,816
Cash dividends	$56,000	7,654
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$221,000	9,673
1994-12-31 (YTD Data)		Rank
Total interest income	$1,875,000	10,031
Total interest expense	$814,000	9,531
Net interest income	$1,061,000	10,207
Provision for loan and lease losses	$0	9,146
Total noninterest income	$144,000	9,822
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	$46,000	9,840
Total noninterest expense	$962,000	9,505
Salaries and employee benefits	$388,000	10,388
Premises and equipment expense	$144,000	8,713
Additional noninterest expense	$430,000	8,534
Pre-tax net operating income	$243,000	10,555
Securities gains (losses)	$0	3,600
Applicable income taxes	$62,000	10,185
Income before extraordinary items	$181,000	10,486
Extraordinary gains, net	$0	249
Net income	$181,000	10,492
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-4,000	10,341
Cash dividends	$48,000	8,028
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$181,000	10,528
1993-12-31 (YTD Data)		Rank
Total interest income	$2,001,000	10,174
Total interest expense	$923,000	9,456
Net interest income	$1,078,000	10,490
Provision for loan and lease losses	$27,000	8,602
Total noninterest income	$139,000	10,431
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$100,000	8,366
Trading account gains and fees	NA	NA
Additional Noninterest Income	$39,000	10,733
Total noninterest expense	$938,000	10,022
Salaries and employee benefits	$371,000	10,927
Premises and equipment expense	$138,000	9,226
Additional noninterest expense	$429,000	8,939
Pre-tax net operating income	$252,000	10,608
Securities gains (losses)	$17,000	4,881
Applicable income taxes	$76,000	10,314
Income before extraordinary items	$193,000	10,734
Extraordinary gains, net	$0	3,149
Net income	$193,000	10,833
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	8,470
Cash dividends	$48,000	8,039
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$180,760	10,649
1992-12-31 (YTD Data)		Rank
Total interest income	$2,190,000	10,497
Total interest expense	$1,095,000	10,000
Net interest income	$1,095,000	10,718
Provision for loan and lease losses	$60,000	8,535
Total noninterest income	$127,000	11,002
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$99,000	8,548
Trading account gains and fees	NA	NA
Additional Noninterest Income	$28,000	11,929
Total noninterest expense	$899,000	10,486
Salaries and employee benefits	$371,000	11,211
Premises and equipment expense	$132,000	9,627
Additional noninterest expense	$396,000	9,601
Pre-tax net operating income	$263,000	10,489
Securities gains (losses)	$21,000	5,524
Applicable income taxes	$99,000	9,950
Income before extraordinary items	$185,000	10,806
Extraordinary gains, net	$0	1,422
Net income	$185,000	10,912
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$57,000	7,255
Cash dividends	$48,000	7,787
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$171,350	10,646

* 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.