Home > The Berthoud National Bank > Income and Expense
The Berthoud National Bank, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,375,000 | 4,394 |
| Total interest expense | $3,385,000 | 4,491 |
| Net interest income | $3,990,000 | 4,188 |
| Provision for loan and lease losses | $60,000 | 6,179 |
| Total noninterest income | $460,000 | 5,125 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $353,000 | 3,567 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $107,000 | 6,272 |
| Total noninterest expense | $2,675,000 | 4,621 |
| Salaries and employee benefits | $1,555,000 | 4,234 |
| Premises and equipment expense | $437,000 | 4,222 |
| Additional noninterest expense | $683,000 | 5,272 |
| Pre-tax net operating income | $1,715,000 | 3,683 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $663,000 | 2,909 |
| Income before extraordinary items | $1,052,000 | 4,237 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,052,000 | 4,238 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 8,939 |
| Cash dividends | $92,000 | 6,044 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,052,000 | 4,242 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,612,000 | 5,167 |
| Total interest expense | $2,378,000 | 5,370 |
| Net interest income | $3,234,000 | 4,898 |
| Provision for loan and lease losses | $286,000 | 2,783 |
| Total noninterest income | $394,000 | 5,670 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $324,000 | 3,767 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $70,000 | 7,430 |
| Total noninterest expense | $2,282,000 | 5,191 |
| Salaries and employee benefits | $1,380,000 | 4,636 |
| Premises and equipment expense | $286,000 | 5,610 |
| Additional noninterest expense | $616,000 | 5,727 |
| Pre-tax net operating income | $1,060,000 | 5,132 |
| Securities gains (losses) | $1,000 | 2,805 |
| Applicable income taxes | $304,000 | 4,792 |
| Income before extraordinary items | $757,000 | 5,248 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $757,000 | 5,246 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 3,343 |
| Cash dividends | $166,000 | 5,496 |
| Sale, conversion, retirement of capital stock, net | $-388,000 | 10,139 |
| Net operating income | $756,290 | 5,218 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,026,000 | 5,660 |
| Total interest expense | $2,032,000 | 6,136 |
| Net interest income | $2,994,000 | 5,137 |
| Provision for loan and lease losses | $65,000 | 5,993 |
| Total noninterest income | $393,000 | 5,675 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $282,000 | 4,120 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $111,000 | 6,381 |
| Total noninterest expense | $2,068,000 | 5,471 |
| Salaries and employee benefits | $1,288,000 | 4,798 |
| Premises and equipment expense | $292,000 | 5,468 |
| Additional noninterest expense | $488,000 | 6,526 |
| Pre-tax net operating income | $1,254,000 | 4,745 |
| Securities gains (losses) | $6,000 | 3,324 |
| Applicable income taxes | $434,000 | 4,215 |
| Income before extraordinary items | $826,000 | 5,091 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $826,000 | 5,091 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 9,354 |
| Cash dividends | $84,000 | 6,457 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $822,040 | 5,020 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,533,000 | 6,194 |
| Total interest expense | $1,684,000 | 6,916 |
| Net interest income | $2,849,000 | 5,515 |
| Provision for loan and lease losses | $18,000 | 7,986 |
| Total noninterest income | $333,000 | 6,311 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $253,000 | 4,626 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $80,000 | 7,372 |
| Total noninterest expense | $1,862,000 | 5,942 |
| Salaries and employee benefits | $1,116,000 | 5,404 |
| Premises and equipment expense | $260,000 | 5,919 |
| Additional noninterest expense | $486,000 | 6,622 |
| Pre-tax net operating income | $1,302,000 | 4,955 |
| Securities gains (losses) | $-1,000 | 9,009 |
| Applicable income taxes | $412,000 | 4,796 |
| Income before extraordinary items | $889,000 | 5,093 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $889,000 | 5,095 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-59,000 | 10,586 |
| Cash dividends | $553,000 | 3,245 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $889,680 | 5,040 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,970,000 | 6,896 |
| Total interest expense | $1,416,000 | 7,800 |
| Net interest income | $2,554,000 | 6,104 |
| Provision for loan and lease losses | $109,000 | 4,905 |
| Total noninterest income | $409,000 | 5,868 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $251,000 | 4,810 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $158,000 | 5,829 |
| Total noninterest expense | $1,817,000 | 6,346 |
| Salaries and employee benefits | $1,095,000 | 5,600 |
| Premises and equipment expense | $240,000 | 6,386 |
| Additional noninterest expense | $482,000 | 7,200 |
| Pre-tax net operating income | $1,037,000 | 5,606 |
| Securities gains (losses) | $7,000 | 2,762 |
| Applicable income taxes | $282,000 | 6,045 |
| Income before extraordinary items | $762,000 | 5,464 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $762,000 | 5,465 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $143,000 | 3,258 |
| Cash dividends | $200,000 | 5,388 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $756,890 | 5,439 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,645,000 | 7,372 |
| Total interest expense | $1,192,000 | 8,606 |
| Net interest income | $2,453,000 | 6,393 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $321,000 | 6,843 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $252,000 | 4,918 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $69,000 | 8,396 |
| Total noninterest expense | $1,718,000 | 6,689 |
| Salaries and employee benefits | $1,023,000 | 5,943 |
| Premises and equipment expense | $180,000 | 7,598 |
| Additional noninterest expense | $515,000 | 7,133 |
| Pre-tax net operating income | $1,056,000 | 5,766 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $350,000 | 5,442 |
| Income before extraordinary items | $706,000 | 5,955 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $706,000 | 5,954 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,482 |
| Cash dividends | $175,000 | 5,792 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $706,000 | 5,936 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,088,000 | 7,904 |
| Total interest expense | $826,000 | 9,467 |
| Net interest income | $2,262,000 | 6,942 |
| Provision for loan and lease losses | $-100,000 | 12,140 |
| Total noninterest income | $297,000 | 7,285 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $212,000 | 5,636 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $85,000 | 8,027 |
| Total noninterest expense | $1,744,000 | 6,853 |
| Salaries and employee benefits | $967,000 | 6,256 |
| Premises and equipment expense | $205,000 | 7,319 |
| Additional noninterest expense | $572,000 | 7,239 |
| Pre-tax net operating income | $915,000 | 6,323 |
| Securities gains (losses) | $-14,000 | 10,078 |
| Applicable income taxes | $245,000 | 6,623 |
| Income before extraordinary items | $656,000 | 6,177 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $656,000 | 6,197 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 11,157 |
| Cash dividends | $150,000 | 6,052 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $666,220 | 6,186 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,824,000 | 8,624 |
| Total interest expense | $808,000 | 10,015 |
| Net interest income | $2,016,000 | 7,626 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $265,000 | 8,137 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $220,000 | 5,600 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $45,000 | 10,391 |
| Total noninterest expense | $1,968,000 | 6,427 |
| Salaries and employee benefits | $914,000 | 6,632 |
| Premises and equipment expense | $172,000 | 8,328 |
| Additional noninterest expense | $882,000 | 5,464 |
| Pre-tax net operating income | $313,000 | 10,133 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $100,000 | 9,745 |
| Income before extraordinary items | $213,000 | 10,496 |
| Extraordinary gains, net | $100,000 | 1,558 |
| Net income | $313,000 | 9,499 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 11,891 |
| Cash dividends | $100,000 | 6,847 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $213,000 | 10,255 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,708,000 | 9,522 |
| Total interest expense | $1,009,000 | 10,346 |
| Net interest income | $1,699,000 | 8,649 |
| Provision for loan and lease losses | $15,000 | 10,851 |
| Total noninterest income | $352,000 | 7,085 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $260,000 | 4,984 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $92,000 | 8,366 |
| Total noninterest expense | $1,682,000 | 7,308 |
| Salaries and employee benefits | $861,000 | 6,865 |
| Premises and equipment expense | $190,000 | 8,078 |
| Additional noninterest expense | $631,000 | 7,246 |
| Pre-tax net operating income | $354,000 | 9,649 |
| Securities gains (losses) | $-7,000 | 13,179 |
| Applicable income taxes | $109,000 | 9,667 |
| Income before extraordinary items | $238,000 | 10,066 |
| Extraordinary gains, net | $109,000 | 709 |
| Net income | $347,000 | 8,894 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 13,003 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $242,830 | 9,654 |
* 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.