Home > Skaneateles Savings Bank > Income and Expense
Skaneateles Savings Bank, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $20,054,000 | 1,624 |
| Total interest expense | $9,518,000 | 1,618 |
| Net interest income | $10,536,000 | 1,617 |
| Provision for loan and lease losses | $675,000 | 1,359 |
| Total noninterest income | $2,338,000 | 1,633 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,726,000 | 721 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $612,000 | 2,615 |
| Total noninterest expense | $9,675,000 | 1,359 |
| Salaries and employee benefits | $4,062,000 | 1,640 |
| Premises and equipment expense | $1,488,000 | 1,304 |
| Additional noninterest expense | $4,125,000 | 1,098 |
| Pre-tax net operating income | $2,524,000 | 2,755 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $875,000 | 2,548 |
| Income before extraordinary items | $1,649,000 | 3,013 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,649,000 | 3,014 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $373,000 | 1,590 |
| Cash dividends | $302,000 | 4,521 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,649,000 | 2,928 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $18,967,000 | 1,742 |
| Total interest expense | $9,435,000 | 1,637 |
| Net interest income | $9,532,000 | 1,828 |
| Provision for loan and lease losses | $500,000 | 1,761 |
| Total noninterest income | $1,847,000 | 1,898 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,391,000 | 913 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $456,000 | 3,018 |
| Total noninterest expense | $8,309,000 | 1,583 |
| Salaries and employee benefits | $3,655,000 | 1,784 |
| Premises and equipment expense | $1,278,000 | 1,515 |
| Additional noninterest expense | $3,376,000 | 1,297 |
| Pre-tax net operating income | $2,570,000 | 2,845 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $908,000 | 2,640 |
| Income before extraordinary items | $1,662,000 | 3,060 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,662,000 | 3,059 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 5,007 |
| Cash dividends | $190,000 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,662,000 | 2,998 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $17,161,000 | 1,970 |
| Total interest expense | $9,111,000 | 1,739 |
| Net interest income | $8,050,000 | 2,241 |
| Provision for loan and lease losses | $175,000 | 3,759 |
| Total noninterest income | $1,065,000 | 2,974 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $765,000 | 1,758 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $300,000 | 4,071 |
| Total noninterest expense | $7,443,000 | 1,900 |
| Salaries and employee benefits | $3,247,000 | 2,042 |
| Premises and equipment expense | $1,205,000 | 1,685 |
| Additional noninterest expense | $2,991,000 | 1,740 |
| Pre-tax net operating income | $1,497,000 | 4,346 |
| Securities gains (losses) | $77,000 | 1,085 |
| Applicable income taxes | $93,000 | 8,863 |
| Income before extraordinary items | $1,481,000 | 3,222 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,481,000 | 3,221 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,175,000 | 815 |
| Cash dividends | $151,000 | 5,957 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,408,620 | 3,350 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $15,871,000 | 2,117 |
| Total interest expense | $8,608,000 | 1,839 |
| Net interest income | $7,263,000 | 2,475 |
| Provision for loan and lease losses | $235,000 | 2,726 |
| Total noninterest income | $686,000 | 4,153 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $378,000 | 3,537 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $308,000 | 3,935 |
| Total noninterest expense | $6,310,000 | 2,170 |
| Salaries and employee benefits | $2,702,000 | 2,472 |
| Premises and equipment expense | $1,091,000 | 1,855 |
| Additional noninterest expense | $2,517,000 | 1,984 |
| Pre-tax net operating income | $1,404,000 | 4,681 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $352,000 | 5,417 |
| Income before extraordinary items | $1,052,000 | 4,396 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,052,000 | 4,394 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $608,000 | 1,222 |
| Cash dividends | $175,000 | 5,792 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,052,000 | 4,392 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $12,940,000 | 2,351 |
| Total interest expense | $6,330,000 | 1,970 |
| Net interest income | $6,610,000 | 2,740 |
| Provision for loan and lease losses | $360,000 | 1,966 |
| Total noninterest income | $514,000 | 5,185 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $227,000 | 5,388 |
| Trading account gains and fees | $7,000 | 393 |
| Additional Noninterest Income | $280,000 | 4,293 |
| Total noninterest expense | $5,611,000 | 2,495 |
| Salaries and employee benefits | $2,286,000 | 2,896 |
| Premises and equipment expense | $715,000 | 2,783 |
| Additional noninterest expense | $2,610,000 | 2,064 |
| Pre-tax net operating income | $1,153,000 | 5,382 |
| Securities gains (losses) | $7,000 | 2,440 |
| Applicable income taxes | $177,000 | 7,765 |
| Income before extraordinary items | $983,000 | 4,599 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $983,000 | 4,598 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $258,000 | 2,114 |
| Cash dividends | $112,000 | 6,670 |
| Sale, conversion, retirement of capital stock, net | $29,000 | 978 |
| Net operating income | $977,050 | 4,650 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $11,844,000 | 2,606 |
| Total interest expense | $5,980,000 | 2,175 |
| Net interest income | $5,864,000 | 3,090 |
| Provision for loan and lease losses | $600,000 | 1,833 |
| Total noninterest income | $631,000 | 4,792 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $257,000 | 5,004 |
| Trading account gains and fees | $2,000 | 494 |
| Additional Noninterest Income | $372,000 | 3,940 |
| Total noninterest expense | $5,311,000 | 2,696 |
| Salaries and employee benefits | $2,092,000 | 3,139 |
| Premises and equipment expense | $835,000 | 2,449 |
| Additional noninterest expense | $2,384,000 | 2,345 |
| Pre-tax net operating income | $584,000 | 8,056 |
| Securities gains (losses) | $287,000 | 1,343 |
| Applicable income taxes | $-13,000 | 12,796 |
| Income before extraordinary items | $884,000 | 5,169 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $884,000 | 5,313 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $509,000 | 1,740 |
| Cash dividends | $76,000 | 7,382 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $597,000 | 6,554 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $13,121,000 | 2,688 |
| Total interest expense | $7,737,000 | 2,199 |
| Net interest income | $5,384,000 | 3,387 |
| Provision for loan and lease losses | $455,000 | 3,200 |
| Total noninterest income | $453,000 | 6,051 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $218,000 | 5,664 |
| Trading account gains and fees | $1,000 | 486 |
| Additional Noninterest Income | $234,000 | 5,186 |
| Total noninterest expense | $5,245,000 | 2,744 |
| Salaries and employee benefits | $2,002,000 | 3,205 |
| Premises and equipment expense | $969,000 | 2,157 |
| Additional noninterest expense | $2,274,000 | 2,521 |
| Pre-tax net operating income | $137,000 | 11,652 |
| Securities gains (losses) | $166,000 | 2,275 |
| Applicable income taxes | $-45,000 | 13,494 |
| Income before extraordinary items | $348,000 | 8,750 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $348,000 | 8,886 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,627,000 | 1,131 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $182,000 | 10,505 |
* 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.