Home > Pawling Savings Bank > Income and Expense
Pawling Savings Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $68,367,000 | 542 |
| Total interest expense | $34,743,000 | 520 |
| Net interest income | $33,624,000 | 560 |
| Provision for loan and lease losses | $1,975,000 | 599 |
| Total noninterest income | $3,453,000 | 1,180 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $2,063,000 | 623 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,390,000 | 1,395 |
| Total noninterest expense | $20,414,000 | 728 |
| Salaries and employee benefits | $10,533,000 | 656 |
| Premises and equipment expense | $2,745,000 | 741 |
| Additional noninterest expense | $7,136,000 | 746 |
| Pre-tax net operating income | $14,688,000 | 581 |
| Securities gains (losses) | $15,000 | 2,081 |
| Applicable income taxes | $5,822,000 | 554 |
| Income before extraordinary items | $8,881,000 | 655 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $8,881,000 | 655 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,405,000 | 631 |
| Cash dividends | $2,601,000 | 1,056 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $8,871,400 | 634 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $65,155,000 | 599 |
| Total interest expense | $33,849,000 | 555 |
| Net interest income | $31,306,000 | 636 |
| Provision for loan and lease losses | $2,300,000 | 553 |
| Total noninterest income | $3,776,000 | 1,162 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $2,020,000 | 668 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,756,000 | 1,263 |
| Total noninterest expense | $21,735,000 | 739 |
| Salaries and employee benefits | $10,306,000 | 684 |
| Premises and equipment expense | $3,076,000 | 721 |
| Additional noninterest expense | $8,353,000 | 767 |
| Pre-tax net operating income | $11,047,000 | 727 |
| Securities gains (losses) | $-199,000 | 11,307 |
| Applicable income taxes | $2,195,000 | 1,129 |
| Income before extraordinary items | $8,653,000 | 658 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $8,653,000 | 658 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,102,000 | 847 |
| Cash dividends | $4,298,000 | 742 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $8,812,200 | 634 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $55,069,000 | 706 |
| Total interest expense | $27,692,000 | 684 |
| Net interest income | $27,377,000 | 724 |
| Provision for loan and lease losses | $600,000 | 1,345 |
| Total noninterest income | $2,871,000 | 1,393 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $1,719,000 | 773 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,152,000 | 1,639 |
| Total noninterest expense | $17,454,000 | 891 |
| Salaries and employee benefits | $8,716,000 | 805 |
| Premises and equipment expense | $2,397,000 | 910 |
| Additional noninterest expense | $6,341,000 | 930 |
| Pre-tax net operating income | $12,194,000 | 703 |
| Securities gains (losses) | $371,000 | 436 |
| Applicable income taxes | $4,999,000 | 610 |
| Income before extraordinary items | $7,566,000 | 762 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $7,566,000 | 762 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,969,000 | 574 |
| Cash dividends | $5,653,000 | 574 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $7,328,560 | 777 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $49,566,000 | 704 |
| Total interest expense | $21,177,000 | 682 |
| Net interest income | $28,389,000 | 699 |
| Provision for loan and lease losses | $1,500,000 | 711 |
| Total noninterest income | $2,597,000 | 1,524 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,494,000 | 870 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,103,000 | 1,728 |
| Total noninterest expense | $21,489,000 | 758 |
| Salaries and employee benefits | $8,508,000 | 810 |
| Premises and equipment expense | $2,326,000 | 922 |
| Additional noninterest expense | $10,655,000 | 669 |
| Pre-tax net operating income | $7,997,000 | 962 |
| Securities gains (losses) | $-1,044,000 | 12,409 |
| Applicable income taxes | $-665,000 | 12,501 |
| Income before extraordinary items | $7,618,000 | 718 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $7,618,000 | 720 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,018,000 | 263 |
| Cash dividends | $7,485,000 | 431 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $8,662,000 | 644 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $49,831,000 | 698 |
| Total interest expense | $21,237,000 | 683 |
| Net interest income | $28,594,000 | 688 |
| Provision for loan and lease losses | $2,000,000 | 807 |
| Total noninterest income | $2,827,000 | 1,535 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $1,582,000 | 823 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,245,000 | 1,770 |
| Total noninterest expense | $21,192,000 | 800 |
| Salaries and employee benefits | $8,324,000 | 836 |
| Premises and equipment expense | $2,508,000 | 892 |
| Additional noninterest expense | $10,360,000 | 741 |
| Pre-tax net operating income | $8,229,000 | 893 |
| Securities gains (losses) | $184,000 | 1,785 |
| Applicable income taxes | $944,000 | 2,404 |
| Income before extraordinary items | $7,469,000 | 699 |
| Extraordinary gains, net | $-363,000 | 13,130 |
| Net income | $7,106,000 | 762 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,241,000 | 538 |
| Cash dividends | $440,000 | 3,435 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $7,305,240 | 668 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $52,064,000 | 756 |
| Total interest expense | $27,218,000 | 703 |
| Net interest income | $24,846,000 | 794 |
| Provision for loan and lease losses | $3,500,000 | 761 |
| Total noninterest income | $3,224,000 | 1,346 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $2,023,000 | 671 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,201,000 | 1,766 |
| Total noninterest expense | $17,613,000 | 944 |
| Salaries and employee benefits | $7,462,000 | 907 |
| Premises and equipment expense | $2,349,000 | 974 |
| Additional noninterest expense | $7,802,000 | 935 |
| Pre-tax net operating income | $6,957,000 | 938 |
| Securities gains (losses) | $237,000 | 1,789 |
| Applicable income taxes | $2,535,000 | 912 |
| Income before extraordinary items | $4,659,000 | 1,019 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $4,659,000 | 1,022 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,153,000 | 597 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $4,504,950 | 956 |
* 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.