Home > The Bank of Troy > Income and Expense
The Bank of Troy, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,400,000 | 7,063 |
| Total interest expense | $1,947,000 | 6,274 |
| Net interest income | $1,453,000 | 7,795 |
| Provision for loan and lease losses | $401,000 | 2,048 |
| Total noninterest income | $303,000 | 6,451 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $160,000 | 5,747 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $143,000 | 5,810 |
| Total noninterest expense | $1,410,000 | 6,937 |
| Salaries and employee benefits | $632,000 | 7,579 |
| Premises and equipment expense | $101,000 | 8,682 |
| Additional noninterest expense | $677,000 | 5,294 |
| Pre-tax net operating income | $-55,000 | 9,872 |
| Securities gains (losses) | $-35,000 | 10,345 |
| Applicable income taxes | $-78,000 | 10,186 |
| Income before extraordinary items | $-12,000 | 9,858 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-12,000 | 9,856 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $429,000 | 1,423 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $10,400 | 9,743 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,239,000 | 6,436 |
| Total interest expense | $2,381,000 | 5,602 |
| Net interest income | $1,858,000 | 7,199 |
| Provision for loan and lease losses | $60,000 | 6,153 |
| Total noninterest income | $398,000 | 5,747 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $186,000 | 5,559 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $212,000 | 4,828 |
| Total noninterest expense | $1,382,000 | 7,081 |
| Salaries and employee benefits | $635,000 | 7,696 |
| Premises and equipment expense | $187,000 | 7,075 |
| Additional noninterest expense | $560,000 | 6,049 |
| Pre-tax net operating income | $814,000 | 6,484 |
| Securities gains (losses) | $6,000 | 2,665 |
| Applicable income taxes | $358,000 | 5,227 |
| Income before extraordinary items | $462,000 | 7,219 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $462,000 | 7,221 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,448 |
| Cash dividends | $218,000 | 5,211 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $458,160 | 7,190 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,183,000 | 6,699 |
| Total interest expense | $2,283,000 | 5,878 |
| Net interest income | $1,900,000 | 7,352 |
| Provision for loan and lease losses | $109,000 | 4,905 |
| Total noninterest income | $385,000 | 6,077 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $197,000 | 5,613 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $188,000 | 5,346 |
| Total noninterest expense | $1,488,000 | 7,138 |
| Salaries and employee benefits | $657,000 | 7,801 |
| Premises and equipment expense | $204,000 | 6,963 |
| Additional noninterest expense | $627,000 | 6,189 |
| Pre-tax net operating income | $688,000 | 6,989 |
| Securities gains (losses) | $25,000 | 1,832 |
| Applicable income taxes | $167,000 | 7,631 |
| Income before extraordinary items | $546,000 | 6,582 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $546,000 | 6,585 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 4,017 |
| Cash dividends | $155,000 | 5,923 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $526,750 | 6,670 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,808,000 | 7,203 |
| Total interest expense | $1,992,000 | 6,479 |
| Net interest income | $1,816,000 | 7,729 |
| Provision for loan and lease losses | $55,000 | 6,005 |
| Total noninterest income | $375,000 | 6,217 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $177,000 | 6,130 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $198,000 | 5,162 |
| Total noninterest expense | $1,652,000 | 6,840 |
| Salaries and employee benefits | $667,000 | 7,947 |
| Premises and equipment expense | $262,000 | 6,168 |
| Additional noninterest expense | $723,000 | 5,703 |
| Pre-tax net operating income | $484,000 | 8,523 |
| Securities gains (losses) | $24,000 | 1,774 |
| Applicable income taxes | $0 | 11,151 |
| Income before extraordinary items | $508,000 | 7,192 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $508,000 | 7,192 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 4,361 |
| Cash dividends | $155,000 | 5,997 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $484,000 | 7,336 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,245,000 | 7,705 |
| Total interest expense | $1,428,000 | 7,107 |
| Net interest income | $1,817,000 | 7,997 |
| Provision for loan and lease losses | $60,000 | 5,594 |
| Total noninterest income | $292,000 | 7,351 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $190,000 | 6,067 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $102,000 | 7,454 |
| Total noninterest expense | $1,345,000 | 8,099 |
| Salaries and employee benefits | $627,000 | 8,426 |
| Premises and equipment expense | $203,000 | 7,369 |
| Additional noninterest expense | $515,000 | 7,709 |
| Pre-tax net operating income | $704,000 | 7,366 |
| Securities gains (losses) | $-30,000 | 10,653 |
| Applicable income taxes | $0 | 11,630 |
| Income before extraordinary items | $674,000 | 6,067 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $674,000 | 6,082 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 3,905 |
| Cash dividends | $181,000 | 5,700 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $704,000 | 5,942 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,828,000 | 8,615 |
| Total interest expense | $1,278,000 | 7,964 |
| Net interest income | $1,550,000 | 8,949 |
| Provision for loan and lease losses | $182,000 | 4,116 |
| Total noninterest income | $286,000 | 7,855 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $164,000 | 6,750 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $122,000 | 7,244 |
| Total noninterest expense | $1,207,000 | 8,867 |
| Salaries and employee benefits | $561,000 | 9,115 |
| Premises and equipment expense | $152,000 | 8,840 |
| Additional noninterest expense | $494,000 | 8,274 |
| Pre-tax net operating income | $447,000 | 9,051 |
| Securities gains (losses) | $108,000 | 2,386 |
| Applicable income taxes | $189,000 | 7,831 |
| Income before extraordinary items | $366,000 | 8,783 |
| Extraordinary gains, net | $189,000 | 1,057 |
| Net income | $555,000 | 7,283 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $149,000 | 3,680 |
| Cash dividends | $212,000 | 5,264 |
| Sale, conversion, retirement of capital stock, net | $21,000 | 1,079 |
| Net operating income | $294,720 | 9,280 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,876,000 | 9,198 |
| Total interest expense | $1,494,000 | 8,527 |
| Net interest income | $1,382,000 | 9,690 |
| Provision for loan and lease losses | $91,000 | 7,521 |
| Total noninterest income | $259,000 | 8,355 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $138,000 | 7,445 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $121,000 | 7,418 |
| Total noninterest expense | $1,080,000 | 9,611 |
| Salaries and employee benefits | $539,000 | 9,376 |
| Premises and equipment expense | $166,000 | 8,671 |
| Additional noninterest expense | $375,000 | 9,880 |
| Pre-tax net operating income | $470,000 | 8,637 |
| Securities gains (losses) | $-68,000 | 13,721 |
| Applicable income taxes | $122,000 | 9,301 |
| Income before extraordinary items | $280,000 | 9,540 |
| Extraordinary gains, net | $122,000 | 646 |
| Net income | $402,000 | 8,319 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $154,000 | 4,817 |
| Cash dividends | $190,000 | 5,228 |
| Sale, conversion, retirement of capital stock, net | $202,000 | 724 |
| Net operating income | $327,600 | 8,612 |
* 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.