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Skaneateles Savings Bank, Changes in Bank Equity Capital
| 1998-12-31 | Rank | |
| Amended balance at previous year-end | $17,615,000 | 2,304 |
| Restatements from amended reports of income, net | $0 | 175 |
| Net income | $1,649,000 | 3,014 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net treasury stock transactions | NA | NA |
| Changes incidental to business combinations, net | $0 | 426 |
| Cash dividends declared on preferred stock | $0 | 140 |
| Cash dividends declared on common stock | $302,000 | 4,495 |
| Other comprehensive income | $6,000 | 5,384 |
| Other transactions with parent holding company | $0 | 715 |
| Bank equity capital | $18,968,000 | 2,376 |
| 1997-12-31 | Rank | |
| Amended balance at previous year-end | $16,121,000 | 2,461 |
| Restatements from amended reports of income, net | $0 | 377 |
| Net income | $1,662,000 | 3,059 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net treasury stock transactions | NA | NA |
| Changes incidental to business combinations, net | $0 | 439 |
| Cash dividends declared on preferred stock | $0 | 167 |
| Cash dividends declared on common stock | $190,000 | 5,480 |
| Other comprehensive income | $22,000 | 5,249 |
| Other transactions with parent holding company | $0 | 654 |
| Bank equity capital | $17,615,000 | 2,535 |
| 1996-12-31 | Rank | |
| Amended balance at previous year-end | $14,881,000 | 2,737 |
| Restatements from amended reports of income, net | $0 | 197 |
| Net income | $1,481,000 | 3,221 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net treasury stock transactions | NA | NA |
| Changes incidental to business combinations, net | $0 | 441 |
| Cash dividends declared on preferred stock | $0 | 191 |
| Cash dividends declared on common stock | $151,000 | 5,906 |
| Other comprehensive income | $-90,000 | 7,371 |
| Other transactions with parent holding company | $0 | 528 |
| Bank equity capital | $16,121,000 | 2,779 |
| 1995-12-31 | Rank | |
| Amended balance at previous year-end | $13,784,000 | 2,766 |
| Restatements from amended reports of income, net | $0 | 212 |
| Net income | $1,052,000 | 4,394 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net treasury stock transactions | NA | NA |
| Changes incidental to business combinations, net | $0 | 459 |
| Cash dividends declared on preferred stock | $0 | 191 |
| Cash dividends declared on common stock | $175,000 | 5,750 |
| Other comprehensive income | $220,000 | 4,876 |
| Other transactions with parent holding company | $0 | 524 |
| Bank equity capital | $14,881,000 | 2,996 |
| 1994-12-31 | Rank | |
| Amended balance at previous year-end | $13,286,000 | 2,854 |
| Restatements from amended reports of income, net | $0 | 244 |
| Net income | $983,000 | 4,598 |
| Sale, conversion, retirement of capital stock, net | $29,000 | 978 |
| Net treasury stock transactions | NA | NA |
| Changes incidental to business combinations, net | $0 | 449 |
| Cash dividends declared on preferred stock | $0 | 211 |
| Cash dividends declared on common stock | $112,000 | 6,622 |
| Other comprehensive income | $-402,000 | 8,115 |
| Other transactions with parent holding company | $0 | 545 |
| Bank equity capital | $13,784,000 | 2,952 |
| 1993-12-31 | Rank | |
| Amended balance at previous year-end | $12,232,000 | 2,937 |
| Restatements from amended reports of income, net | $0 | 249 |
| Net income | $884,000 | 5,313 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net treasury stock transactions | NA | NA |
| Changes incidental to business combinations, net | $0 | 420 |
| Cash dividends declared on preferred stock | $0 | 217 |
| Cash dividends declared on common stock | $76,000 | 7,326 |
| Other comprehensive income | $215,000 | 736 |
| Other transactions with parent holding company | $31,000 | 509 |
| Bank equity capital | $13,286,000 | 3,045 |
| 1992-12-31 | Rank | |
| Amended balance at previous year-end | $11,854,000 | 2,930 |
| Restatements from amended reports of income, net | $0 | 350 |
| Net income | $348,000 | 8,886 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net treasury stock transactions | NA | NA |
| Changes incidental to business combinations, net | $0 | 366 |
| Cash dividends declared on preferred stock | $0 | 200 |
| Cash dividends declared on common stock | $0 | 8,837 |
| Other comprehensive income | $0 | 551 |
| Other transactions with parent holding company | $30,000 | 698 |
| Bank equity capital | $12,232,000 | 3,132 |