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The Corning Bank, Income and Expense

2001-12-31 (YTD Data)Rank
Total interest income$6,293,0004,799
Total interest expense$2,665,0005,168
Net interest income$3,628,0004,451
Provision for loan and lease losses$120,0005,188
Total noninterest income$344,0006,060
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$263,0004,507
Trading account gains and fees$0177
Additional Noninterest Income$81,0006,856
Total noninterest expense$1,759,0006,219
Salaries and employee benefits$985,0006,038
Premises and equipment expense$199,0006,806
Additional noninterest expense$575,0006,000
Pre-tax net operating income$2,093,0003,071
Securities gains (losses)$67,0002,086
Applicable income taxes$758,0002,527
Income before extraordinary items$1,402,0003,395
Extraordinary gains, net$0105
Net income$1,402,0003,399
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$22,0006,192
Cash dividends$347,0004,148
Sale, conversion, retirement of capital stock, net$0922
Net operating income$1,358,4503,379
2000-12-31 (YTD Data)Rank
Total interest income$6,158,0004,985
Total interest expense$2,752,0005,238
Net interest income$3,406,0004,705
Provision for loan and lease losses$48,0006,621
Total noninterest income$275,0006,521
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$189,0005,243
Trading account gains and feesNANA
Additional Noninterest Income$86,0006,759
Total noninterest expense$1,658,0006,348
Salaries and employee benefits$953,0006,117
Premises and equipment expense$166,0007,315
Additional noninterest expense$539,0006,136
Pre-tax net operating income$1,975,0003,357
Securities gains (losses)$01,956
Applicable income taxes$687,0002,828
Income before extraordinary items$1,288,0003,666
Extraordinary gains, net$038
Net income$1,288,0003,666
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$119,0003,278
Cash dividends$341,0004,254
Sale, conversion, retirement of capital stock, net$0969
Net operating income$1,288,0003,659
1999-12-31 (YTD Data)Rank
Total interest income$5,759,0005,087
Total interest expense$2,380,0005,363
Net interest income$3,379,0004,753
Provision for loan and lease losses$48,0006,602
Total noninterest income$267,0006,758
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$163,0005,633
Trading account gains and feesNANA
Additional Noninterest Income$104,0006,534
Total noninterest expense$1,573,0006,587
Salaries and employee benefits$888,0006,366
Premises and equipment expense$151,0007,646
Additional noninterest expense$534,0006,262
Pre-tax net operating income$2,025,0003,313
Securities gains (losses)$03,155
Applicable income taxes$715,0002,871
Income before extraordinary items$1,310,0003,622
Extraordinary gains, net$035
Net income$1,310,0003,623
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$35,0005,387
Cash dividends$323,0004,378
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$1,310,0003,586
1998-12-31 (YTD Data)Rank
Total interest income$5,880,0005,082
Total interest expense$2,491,0005,381
Net interest income$3,389,0004,705
Provision for loan and lease losses$48,0006,686
Total noninterest income$267,0006,808
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$157,0005,798
Trading account gains and feesNANA
Additional Noninterest Income$110,0006,403
Total noninterest expense$1,584,0006,462
Salaries and employee benefits$912,0006,154
Premises and equipment expense$138,0007,911
Additional noninterest expense$534,0006,209
Pre-tax net operating income$2,024,0003,311
Securities gains (losses)$04,449
Applicable income taxes$684,0003,084
Income before extraordinary items$1,340,0003,582
Extraordinary gains, net$032
Net income$1,340,0003,582
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$29,0005,812
Cash dividends$313,0004,468
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$1,340,0003,481
1997-12-31 (YTD Data)Rank
Total interest income$5,625,0005,315
Total interest expense$2,272,0005,760
Net interest income$3,353,0004,883
Provision for loan and lease losses$122,0004,599
Total noninterest income$258,0007,121
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$175,0005,740
Trading account gains and feesNANA
Additional Noninterest Income$83,0007,280
Total noninterest expense$1,463,0006,886
Salaries and employee benefits$840,0006,584
Premises and equipment expense$140,0008,021
Additional noninterest expense$483,0006,647
Pre-tax net operating income$2,026,0003,493
Securities gains (losses)$03,944
Applicable income taxes$692,0003,269
Income before extraordinary items$1,334,0003,714
Extraordinary gains, net$044
Net income$1,334,0003,713
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$20,0006,572
Cash dividends$299,0004,634
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$1,334,0003,636
1996-12-31 (YTD Data)Rank
Total interest income$5,210,0005,767
Total interest expense$2,084,0006,258
Net interest income$3,126,0005,290
Provision for loan and lease losses$72,0005,782
Total noninterest income$263,0007,422
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$186,0005,815
Trading account gains and feesNANA
Additional Noninterest Income$77,0007,844
Total noninterest expense$1,436,0007,293
Salaries and employee benefits$811,0006,926
Premises and equipment expense$151,0008,033
Additional noninterest expense$474,0007,256
Pre-tax net operating income$1,881,0003,584
Securities gains (losses)$04,148
Applicable income taxes$669,0003,282
Income before extraordinary items$1,212,0003,845
Extraordinary gains, net$053
Net income$1,212,0003,845
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$13,0007,243
Cash dividends$548,0003,226
Sale, conversion, retirement of capital stock, net$0953
Net operating income$1,212,0003,788
1995-12-31 (YTD Data)Rank
Total interest income$4,769,0006,188
Total interest expense$1,918,0006,652
Net interest income$2,851,0005,730
Provision for loan and lease losses$48,0006,309
Total noninterest income$290,0007,186
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$185,0005,967
Trading account gains and feesNANA
Additional Noninterest Income$105,0007,073
Total noninterest expense$1,462,0007,395
Salaries and employee benefits$771,0007,262
Premises and equipment expense$149,0008,299
Additional noninterest expense$542,0006,929
Pre-tax net operating income$1,631,0004,159
Securities gains (losses)$9,0002,462
Applicable income taxes$592,0003,695
Income before extraordinary items$1,048,0004,412
Extraordinary gains, net$065
Net income$1,048,0004,410
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$39,0005,578
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$1,042,2404,427
1994-12-31 (YTD Data)Rank
Total interest income$3,971,0006,735
Total interest expense$1,439,0007,076
Net interest income$2,532,0006,415
Provision for loan and lease losses$43,0006,473
Total noninterest income$278,0007,546
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$173,0006,386
Trading account gains and feesNANA
Additional Noninterest Income$105,0007,360
Total noninterest expense$1,545,0007,458
Salaries and employee benefits$763,0007,433
Premises and equipment expense$159,0008,320
Additional noninterest expense$623,0006,866
Pre-tax net operating income$1,222,0005,176
Securities gains (losses)$8,0002,362
Applicable income taxes$210,0007,181
Income before extraordinary items$1,020,0004,470
Extraordinary gains, net$0249
Net income$1,020,0004,471
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-9,00010,731
Cash dividends$381,0003,863
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,013,3604,539
1993-12-31 (YTD Data)Rank
Total interest income$3,863,0007,044
Total interest expense$1,406,0007,521
Net interest income$2,457,0006,629
Provision for loan and lease losses$72,0006,563
Total noninterest income$276,0007,987
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$181,0006,355
Trading account gains and feesNANA
Additional Noninterest Income$95,0008,045
Total noninterest expense$1,450,0008,002
Salaries and employee benefits$703,0007,982
Premises and equipment expense$165,0008,511
Additional noninterest expense$582,0007,499
Pre-tax net operating income$1,211,0005,146
Securities gains (losses)$18,0004,806
Applicable income taxes$444,0004,631
Income before extraordinary items$785,0005,643
Extraordinary gains, net$03,149
Net income$785,0005,788
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$41,0006,463
Cash dividends$136,0006,307
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$773,4805,472
1992-12-31 (YTD Data)Rank
Total interest income$4,249,0007,183
Total interest expense$1,714,0007,853
Net interest income$2,535,0006,523
Provision for loan and lease losses$82,0007,825
Total noninterest income$268,0008,212
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$171,0006,588
Trading account gains and feesNANA
Additional Noninterest Income$97,0008,166
Total noninterest expense$1,354,0008,467
Salaries and employee benefits$672,0008,207
Premises and equipment expense$154,0008,989
Additional noninterest expense$528,0008,214
Pre-tax net operating income$1,367,0004,411
Securities gains (losses)$08,369
Applicable income taxes$482,0004,109
Income before extraordinary items$885,0004,990
Extraordinary gains, net$01,422
Net income$885,0005,039
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$6,00010,379
Cash dividends$688,0002,177
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$885,0004,684

* 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.