Home > Saratoga National Bank > Income and Expense
Saratoga National Bank, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $10,163,000 | 3,181 |
| Total interest expense | $4,563,000 | 3,185 |
| Net interest income | $5,600,000 | 3,095 |
| Provision for loan and lease losses | $366,000 | 2,246 |
| Total noninterest income | $1,312,000 | 2,517 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $206,000 | 5,045 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,106,000 | 1,744 |
| Total noninterest expense | $4,058,000 | 3,271 |
| Salaries and employee benefits | $1,334,000 | 4,776 |
| Premises and equipment expense | $1,055,000 | 1,939 |
| Additional noninterest expense | $1,669,000 | 2,583 |
| Pre-tax net operating income | $2,488,000 | 2,810 |
| Securities gains (losses) | $-82,000 | 9,914 |
| Applicable income taxes | $987,000 | 2,238 |
| Income before extraordinary items | $1,419,000 | 3,386 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,419,000 | 3,386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-46,000 | 9,877 |
| Cash dividends | $1,002,000 | 2,240 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,471,480 | 3,254 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $9,682,000 | 3,330 |
| Total interest expense | $4,406,000 | 3,371 |
| Net interest income | $5,276,000 | 3,235 |
| Provision for loan and lease losses | $136,000 | 4,376 |
| Total noninterest income | $612,000 | 4,324 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $229,000 | 4,761 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $383,000 | 3,522 |
| Total noninterest expense | $2,860,000 | 4,301 |
| Salaries and employee benefits | $1,261,000 | 4,884 |
| Premises and equipment expense | $683,000 | 2,824 |
| Additional noninterest expense | $916,000 | 4,227 |
| Pre-tax net operating income | $2,892,000 | 2,464 |
| Securities gains (losses) | $154,000 | 1,039 |
| Applicable income taxes | $1,078,000 | 2,173 |
| Income before extraordinary items | $1,968,000 | 2,586 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,968,000 | 2,587 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 9,217 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,867,900 | 2,649 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,278,000 | 3,484 |
| Total interest expense | $4,277,000 | 3,436 |
| Net interest income | $5,001,000 | 3,487 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $449,000 | 5,337 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $217,000 | 5,083 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $232,000 | 4,581 |
| Total noninterest expense | $2,932,000 | 4,173 |
| Salaries and employee benefits | $1,338,000 | 4,671 |
| Premises and equipment expense | $593,000 | 3,188 |
| Additional noninterest expense | $1,001,000 | 3,905 |
| Pre-tax net operating income | $2,518,000 | 2,893 |
| Securities gains (losses) | $34,000 | 1,562 |
| Applicable income taxes | $969,000 | 2,504 |
| Income before extraordinary items | $1,583,000 | 3,199 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,583,000 | 3,199 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 5,126 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,561,240 | 3,174 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,565,000 | 4,247 |
| Total interest expense | $3,564,000 | 4,127 |
| Net interest income | $4,001,000 | 4,322 |
| Provision for loan and lease losses | $-150,000 | 11,304 |
| Total noninterest income | $353,000 | 6,405 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $158,000 | 6,330 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $195,000 | 5,239 |
| Total noninterest expense | $2,816,000 | 4,528 |
| Salaries and employee benefits | $1,342,000 | 4,749 |
| Premises and equipment expense | $551,000 | 3,479 |
| Additional noninterest expense | $923,000 | 4,668 |
| Pre-tax net operating income | $1,688,000 | 3,956 |
| Securities gains (losses) | $-4,000 | 9,823 |
| Applicable income taxes | $568,000 | 3,748 |
| Income before extraordinary items | $1,116,000 | 4,112 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,116,000 | 4,113 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 9,914 |
| Cash dividends | $861,000 | 2,375 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,118,640 | 4,051 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,570,000 | 4,812 |
| Total interest expense | $2,866,000 | 4,966 |
| Net interest income | $3,704,000 | 4,631 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $505,000 | 5,142 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $160,000 | 6,449 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $345,000 | 3,648 |
| Total noninterest expense | $2,817,000 | 4,516 |
| Salaries and employee benefits | $1,187,000 | 5,265 |
| Premises and equipment expense | $630,000 | 3,086 |
| Additional noninterest expense | $1,000,000 | 4,348 |
| Pre-tax net operating income | $1,392,000 | 4,710 |
| Securities gains (losses) | $71,000 | 1,109 |
| Applicable income taxes | $556,000 | 3,864 |
| Income before extraordinary items | $907,000 | 4,960 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $907,000 | 4,959 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-38,000 | 11,339 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $861,560 | 5,152 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,412,000 | 5,316 |
| Total interest expense | $1,938,000 | 5,747 |
| Net interest income | $3,474,000 | 4,973 |
| Provision for loan and lease losses | $-626,000 | 12,492 |
| Total noninterest income | $482,000 | 5,433 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $161,000 | 6,639 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $321,000 | 3,908 |
| Total noninterest expense | $3,348,000 | 4,002 |
| Salaries and employee benefits | $1,106,000 | 5,616 |
| Premises and equipment expense | $698,000 | 2,836 |
| Additional noninterest expense | $1,544,000 | 3,213 |
| Pre-tax net operating income | $1,234,000 | 5,133 |
| Securities gains (losses) | $-196,000 | 11,939 |
| Applicable income taxes | $378,000 | 4,964 |
| Income before extraordinary items | $660,000 | 6,148 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $660,000 | 6,168 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-34,000 | 11,664 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $785,440 | 5,505 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,900,000 | 5,883 |
| Total interest expense | $1,685,000 | 6,669 |
| Net interest income | $3,215,000 | 5,326 |
| Provision for loan and lease losses | $561,000 | 1,941 |
| Total noninterest income | $523,000 | 5,440 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $165,000 | 6,730 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $358,000 | 4,059 |
| Total noninterest expense | $2,836,000 | 4,737 |
| Salaries and employee benefits | $958,000 | 6,370 |
| Premises and equipment expense | $649,000 | 3,085 |
| Additional noninterest expense | $1,229,000 | 4,109 |
| Pre-tax net operating income | $341,000 | 9,888 |
| Securities gains (losses) | $43,000 | 3,630 |
| Applicable income taxes | $132,000 | 9,038 |
| Income before extraordinary items | $252,000 | 10,017 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $252,000 | 10,154 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $191,000 | 3,218 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $223,620 | 10,126 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,152,000 | 5,375 |
| Total interest expense | $2,037,000 | 7,036 |
| Net interest income | $4,115,000 | 4,332 |
| Provision for loan and lease losses | $720,000 | 2,319 |
| Total noninterest income | $561,000 | 5,217 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $170,000 | 6,609 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $391,000 | 3,763 |
| Total noninterest expense | $3,197,000 | 4,263 |
| Salaries and employee benefits | $1,116,000 | 5,518 |
| Premises and equipment expense | $923,000 | 2,253 |
| Additional noninterest expense | $1,158,000 | 4,485 |
| Pre-tax net operating income | $759,000 | 6,769 |
| Securities gains (losses) | $82,000 | 3,330 |
| Applicable income taxes | $319,000 | 5,701 |
| Income before extraordinary items | $522,000 | 7,155 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $522,000 | 7,242 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $856,000 | 1,738 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $469,520 | 7,228 |
* 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.