Home > The Buffalo National Bank > Income and Expense
The Buffalo National Bank, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,264,000 | 8,165 |
| Total interest expense | $1,027,000 | 8,167 |
| Net interest income | $1,237,000 | 7,996 |
| Provision for loan and lease losses | $15,000 | 7,764 |
| Total noninterest income | $231,000 | 6,969 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $155,000 | 5,688 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $76,000 | 7,011 |
| Total noninterest expense | $1,150,000 | 7,630 |
| Salaries and employee benefits | $583,000 | 7,788 |
| Premises and equipment expense | $87,000 | 8,667 |
| Additional noninterest expense | $480,000 | 6,578 |
| Pre-tax net operating income | $303,000 | 7,879 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $25,000 | 7,722 |
| Income before extraordinary items | $278,000 | 7,603 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $278,000 | 7,603 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $278,000 | 7,612 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,477,000 | 4,161 |
| Total interest expense | $3,186,000 | 4,375 |
| Net interest income | $4,291,000 | 3,936 |
| Provision for loan and lease losses | $120,000 | 4,720 |
| Total noninterest income | $1,120,000 | 2,841 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $621,000 | 2,135 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $499,000 | 2,957 |
| Total noninterest expense | $3,720,000 | 3,532 |
| Salaries and employee benefits | $1,946,000 | 3,531 |
| Premises and equipment expense | $502,000 | 3,756 |
| Additional noninterest expense | $1,272,000 | 3,271 |
| Pre-tax net operating income | $1,571,000 | 3,968 |
| Securities gains (losses) | $6,000 | 2,044 |
| Applicable income taxes | $351,000 | 4,459 |
| Income before extraordinary items | $1,226,000 | 3,812 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,226,000 | 3,813 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,803 |
| Cash dividends | $1,310,000 | 1,856 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,221,320 | 3,793 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,212,000 | 4,293 |
| Total interest expense | $2,985,000 | 4,752 |
| Net interest income | $4,227,000 | 3,946 |
| Provision for loan and lease losses | $120,000 | 4,610 |
| Total noninterest income | $1,004,000 | 3,072 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $615,000 | 2,081 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $389,000 | 3,487 |
| Total noninterest expense | $3,345,000 | 3,749 |
| Salaries and employee benefits | $1,727,000 | 3,784 |
| Premises and equipment expense | $412,000 | 4,325 |
| Additional noninterest expense | $1,206,000 | 3,360 |
| Pre-tax net operating income | $1,766,000 | 3,694 |
| Securities gains (losses) | $9,000 | 3,034 |
| Applicable income taxes | $167,000 | 6,621 |
| Income before extraordinary items | $1,608,000 | 3,074 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,608,000 | 3,075 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 9,586 |
| Cash dividends | $1,460,000 | 1,708 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,599,810 | 2,998 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,968,000 | 4,513 |
| Total interest expense | $2,886,000 | 4,879 |
| Net interest income | $4,082,000 | 4,173 |
| Provision for loan and lease losses | $160,000 | 3,978 |
| Total noninterest income | $869,000 | 3,377 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $638,000 | 2,059 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $231,000 | 4,592 |
| Total noninterest expense | $2,911,000 | 4,195 |
| Salaries and employee benefits | $1,517,000 | 4,213 |
| Premises and equipment expense | $370,000 | 4,710 |
| Additional noninterest expense | $1,024,000 | 3,819 |
| Pre-tax net operating income | $1,880,000 | 3,731 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $268,000 | 6,058 |
| Income before extraordinary items | $1,612,000 | 3,140 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,612,000 | 3,140 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $209,000 | 2,481 |
| Cash dividends | $988,000 | 2,230 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,612,000 | 3,077 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,290,000 | 5,007 |
| Total interest expense | $2,525,000 | 5,472 |
| Net interest income | $3,765,000 | 4,547 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $1,273,000 | 2,581 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $606,000 | 2,230 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $667,000 | 2,388 |
| Total noninterest expense | $2,623,000 | 4,820 |
| Salaries and employee benefits | $1,358,000 | 4,697 |
| Premises and equipment expense | $327,000 | 5,258 |
| Additional noninterest expense | $938,000 | 4,629 |
| Pre-tax net operating income | $2,415,000 | 2,863 |
| Securities gains (losses) | $-8,000 | 10,177 |
| Applicable income taxes | $904,000 | 2,569 |
| Income before extraordinary items | $1,503,000 | 3,183 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,503,000 | 3,182 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 7,019 |
| Cash dividends | $213,000 | 5,291 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,508,120 | 3,137 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,750,000 | 5,399 |
| Total interest expense | $2,364,000 | 5,786 |
| Net interest income | $3,386,000 | 4,998 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $727,000 | 3,965 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $578,000 | 2,336 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $149,000 | 6,005 |
| Total noninterest expense | $2,590,000 | 4,843 |
| Salaries and employee benefits | $1,241,000 | 5,064 |
| Premises and equipment expense | $331,000 | 5,238 |
| Additional noninterest expense | $1,018,000 | 4,286 |
| Pre-tax net operating income | $1,523,000 | 4,402 |
| Securities gains (losses) | $-32,000 | 10,879 |
| Applicable income taxes | $574,000 | 3,776 |
| Income before extraordinary items | $917,000 | 4,924 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $917,000 | 4,922 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 5,173 |
| Cash dividends | $150,000 | 6,032 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $937,480 | 4,826 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,063,000 | 5,626 |
| Total interest expense | $1,803,000 | 6,067 |
| Net interest income | $3,260,000 | 5,248 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $739,000 | 3,953 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $550,000 | 2,476 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $189,000 | 5,455 |
| Total noninterest expense | $2,528,000 | 5,116 |
| Salaries and employee benefits | $1,190,000 | 5,272 |
| Premises and equipment expense | $322,000 | 5,409 |
| Additional noninterest expense | $1,016,000 | 4,656 |
| Pre-tax net operating income | $1,471,000 | 4,485 |
| Securities gains (losses) | $-39,000 | 10,852 |
| Applicable income taxes | $554,000 | 3,745 |
| Income before extraordinary items | $878,000 | 5,011 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $878,000 | 5,016 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 5,032 |
| Cash dividends | $150,000 | 6,052 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $902,960 | 4,961 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,233,000 | 5,551 |
| Total interest expense | $1,934,000 | 6,000 |
| Net interest income | $3,299,000 | 5,218 |
| Provision for loan and lease losses | $80,000 | 6,310 |
| Total noninterest income | $653,000 | 4,666 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $553,000 | 2,505 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $100,000 | 7,857 |
| Total noninterest expense | $2,459,000 | 5,354 |
| Salaries and employee benefits | $1,106,000 | 5,621 |
| Premises and equipment expense | $390,000 | 4,813 |
| Additional noninterest expense | $963,000 | 5,083 |
| Pre-tax net operating income | $1,413,000 | 4,562 |
| Securities gains (losses) | $-1,000 | 12,247 |
| Applicable income taxes | $530,000 | 3,973 |
| Income before extraordinary items | $882,000 | 5,177 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $882,000 | 5,320 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 6,663 |
| Cash dividends | $150,000 | 6,064 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $882,640 | 4,952 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,778,000 | 5,667 |
| Total interest expense | $2,396,000 | 6,191 |
| Net interest income | $3,382,000 | 5,164 |
| Provision for loan and lease losses | $120,000 | 6,707 |
| Total noninterest income | $646,000 | 4,694 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $549,000 | 2,510 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $97,000 | 8,166 |
| Total noninterest expense | $2,298,000 | 5,689 |
| Salaries and employee benefits | $1,055,000 | 5,762 |
| Premises and equipment expense | $387,000 | 4,922 |
| Additional noninterest expense | $856,000 | 5,755 |
| Pre-tax net operating income | $1,610,000 | 3,778 |
| Securities gains (losses) | $58,000 | 3,883 |
| Applicable income taxes | $608,000 | 3,400 |
| Income before extraordinary items | $1,060,000 | 4,283 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,060,000 | 4,324 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $122,000 | 5,395 |
| Cash dividends | $75,000 | 7,103 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,022,880 | 4,093 |
* 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.