Home > The Bank of Livingston > Income and Expense
The Bank of Livingston, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,405,000 | 7,284 |
| Total interest expense | $1,434,000 | 7,506 |
| Net interest income | $1,971,000 | 6,972 |
| Provision for loan and lease losses | $93,000 | 5,327 |
| Total noninterest income | $660,000 | 4,148 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $510,000 | 2,571 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $150,000 | 5,684 |
| Total noninterest expense | $1,582,000 | 6,571 |
| Salaries and employee benefits | $853,000 | 6,523 |
| Premises and equipment expense | $221,000 | 6,483 |
| Additional noninterest expense | $508,000 | 6,444 |
| Pre-tax net operating income | $956,000 | 5,969 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $325,000 | 5,506 |
| Income before extraordinary items | $631,000 | 6,208 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $631,000 | 6,209 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 3,914 |
| Cash dividends | $225,000 | 5,132 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $631,000 | 6,156 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,156,000 | 7,805 |
| Total interest expense | $1,336,000 | 7,996 |
| Net interest income | $1,820,000 | 7,525 |
| Provision for loan and lease losses | $65,000 | 5,977 |
| Total noninterest income | $545,000 | 4,873 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $450,000 | 3,009 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $95,000 | 7,288 |
| Total noninterest expense | $1,309,000 | 7,633 |
| Salaries and employee benefits | $672,000 | 7,705 |
| Premises and equipment expense | $208,000 | 6,889 |
| Additional noninterest expense | $429,000 | 7,636 |
| Pre-tax net operating income | $991,000 | 5,764 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $337,000 | 5,449 |
| Income before extraordinary items | $654,000 | 5,970 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $654,000 | 5,972 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 5,074 |
| Cash dividends | $200,000 | 5,388 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $654,000 | 5,914 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,886,000 | 8,390 |
| Total interest expense | $1,211,000 | 8,552 |
| Net interest income | $1,675,000 | 8,082 |
| Provision for loan and lease losses | $42,000 | 6,540 |
| Total noninterest income | $496,000 | 5,220 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $405,000 | 3,325 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $91,000 | 7,528 |
| Total noninterest expense | $1,276,000 | 7,931 |
| Salaries and employee benefits | $607,000 | 8,316 |
| Premises and equipment expense | $197,000 | 7,255 |
| Additional noninterest expense | $472,000 | 7,500 |
| Pre-tax net operating income | $853,000 | 6,635 |
| Securities gains (losses) | $-11,000 | 10,162 |
| Applicable income taxes | $286,000 | 6,185 |
| Income before extraordinary items | $556,000 | 6,872 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $556,000 | 6,870 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 5,530 |
| Cash dividends | $150,000 | 6,032 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $563,260 | 6,809 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,315,000 | 9,225 |
| Total interest expense | $913,000 | 9,070 |
| Net interest income | $1,402,000 | 9,140 |
| Provision for loan and lease losses | $30,000 | 7,083 |
| Total noninterest income | $427,000 | 5,891 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $343,000 | 3,908 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $84,000 | 8,071 |
| Total noninterest expense | $1,121,000 | 8,900 |
| Salaries and employee benefits | $518,000 | 9,224 |
| Premises and equipment expense | $171,000 | 8,060 |
| Additional noninterest expense | $432,000 | 8,508 |
| Pre-tax net operating income | $678,000 | 7,533 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $230,000 | 6,840 |
| Income before extraordinary items | $448,000 | 7,737 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $448,000 | 7,749 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 6,043 |
| Cash dividends | $125,000 | 6,452 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $448,000 | 7,781 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,210,000 | 9,768 |
| Total interest expense | $897,000 | 9,566 |
| Net interest income | $1,313,000 | 9,690 |
| Provision for loan and lease losses | $30,000 | 8,397 |
| Total noninterest income | $372,000 | 6,783 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $307,000 | 4,337 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $65,000 | 9,306 |
| Total noninterest expense | $1,078,000 | 9,413 |
| Salaries and employee benefits | $490,000 | 9,769 |
| Premises and equipment expense | $180,000 | 8,142 |
| Additional noninterest expense | $408,000 | 9,179 |
| Pre-tax net operating income | $577,000 | 8,107 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $196,000 | 7,696 |
| Income before extraordinary items | $381,000 | 8,628 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $381,000 | 8,790 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 8,052 |
| Cash dividends | $100,000 | 6,847 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $381,000 | 8,368 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,514,000 | 9,899 |
| Total interest expense | $1,178,000 | 9,681 |
| Net interest income | $1,336,000 | 9,862 |
| Provision for loan and lease losses | $30,000 | 9,956 |
| Total noninterest income | $335,000 | 7,288 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $280,000 | 4,692 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $55,000 | 10,088 |
| Total noninterest expense | $1,031,000 | 9,845 |
| Salaries and employee benefits | $473,000 | 10,061 |
| Premises and equipment expense | $178,000 | 8,364 |
| Additional noninterest expense | $380,000 | 9,816 |
| Pre-tax net operating income | $610,000 | 7,636 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $207,000 | 7,418 |
| Income before extraordinary items | $403,000 | 8,184 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $403,000 | 8,307 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 9,710 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $403,000 | 7,827 |
* 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.