Home > The First National Bank of Northern New York > Income and Expense
The First National Bank of Northern New York, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,635,000 | 4,276 |
| Total interest expense | $4,217,000 | 3,816 |
| Net interest income | $3,418,000 | 4,689 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $753,000 | 3,800 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $359,000 | 3,521 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $394,000 | 3,381 |
| Total noninterest expense | $3,080,000 | 4,141 |
| Salaries and employee benefits | $1,802,000 | 3,773 |
| Premises and equipment expense | $413,000 | 4,405 |
| Additional noninterest expense | $865,000 | 4,476 |
| Pre-tax net operating income | $1,091,000 | 5,023 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $169,000 | 5,723 |
| Income before extraordinary items | $922,000 | 4,618 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $922,000 | 4,617 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 6,747 |
| Cash dividends | $87,000 | 6,083 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $922,000 | 4,614 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,732,000 | 4,549 |
| Total interest expense | $3,450,000 | 4,099 |
| Net interest income | $3,282,000 | 4,849 |
| Provision for loan and lease losses | $20,000 | 7,660 |
| Total noninterest income | $528,000 | 4,799 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $298,000 | 4,017 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $230,000 | 4,617 |
| Total noninterest expense | $2,985,000 | 4,227 |
| Salaries and employee benefits | $1,635,000 | 4,048 |
| Premises and equipment expense | $435,000 | 4,236 |
| Additional noninterest expense | $915,000 | 4,324 |
| Pre-tax net operating income | $805,000 | 5,907 |
| Securities gains (losses) | $12,000 | 1,656 |
| Applicable income taxes | $175,000 | 5,972 |
| Income before extraordinary items | $642,000 | 5,710 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $642,000 | 5,708 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $125,000 | 5,846 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $632,520 | 5,715 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,730,000 | 4,533 |
| Total interest expense | $3,378,000 | 4,281 |
| Net interest income | $3,352,000 | 4,749 |
| Provision for loan and lease losses | $30,000 | 7,298 |
| Total noninterest income | $415,000 | 5,496 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $265,000 | 4,308 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $150,000 | 5,678 |
| Total noninterest expense | $2,678,000 | 4,535 |
| Salaries and employee benefits | $1,431,000 | 4,414 |
| Premises and equipment expense | $376,000 | 4,640 |
| Additional noninterest expense | $871,000 | 4,398 |
| Pre-tax net operating income | $1,059,000 | 5,245 |
| Securities gains (losses) | $65,000 | 1,554 |
| Applicable income taxes | $310,000 | 5,088 |
| Income before extraordinary items | $814,000 | 5,137 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $814,000 | 5,137 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 5,174 |
| Cash dividends | $433,000 | 3,847 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $767,200 | 5,217 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,505,000 | 4,777 |
| Total interest expense | $3,260,000 | 4,385 |
| Net interest income | $3,245,000 | 5,005 |
| Provision for loan and lease losses | $10,000 | 8,395 |
| Total noninterest income | $373,000 | 5,957 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $223,000 | 5,005 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $150,000 | 5,684 |
| Total noninterest expense | $2,569,000 | 4,681 |
| Salaries and employee benefits | $1,406,000 | 4,486 |
| Premises and equipment expense | $367,000 | 4,734 |
| Additional noninterest expense | $796,000 | 4,743 |
| Pre-tax net operating income | $1,039,000 | 5,719 |
| Securities gains (losses) | $43,000 | 1,423 |
| Applicable income taxes | $339,000 | 5,399 |
| Income before extraordinary items | $743,000 | 5,708 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $743,000 | 5,710 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 7,272 |
| Cash dividends | $273,000 | 4,778 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $713,330 | 5,797 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,309,000 | 5,001 |
| Total interest expense | $3,159,000 | 4,563 |
| Net interest income | $3,150,000 | 5,254 |
| Provision for loan and lease losses | $40,000 | 6,972 |
| Total noninterest income | $343,000 | 6,493 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $194,000 | 5,664 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $149,000 | 5,991 |
| Total noninterest expense | $2,619,000 | 4,824 |
| Salaries and employee benefits | $1,427,000 | 4,521 |
| Premises and equipment expense | $429,000 | 4,292 |
| Additional noninterest expense | $763,000 | 5,389 |
| Pre-tax net operating income | $834,000 | 6,352 |
| Securities gains (losses) | $55,000 | 1,274 |
| Applicable income taxes | $288,000 | 5,966 |
| Income before extraordinary items | $601,000 | 6,269 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $601,000 | 6,272 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 6,315 |
| Cash dividends | $316,000 | 4,395 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $563,600 | 6,416 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,564,000 | 4,815 |
| Total interest expense | $3,268,000 | 4,411 |
| Net interest income | $3,296,000 | 5,112 |
| Provision for loan and lease losses | $40,000 | 6,618 |
| Total noninterest income | $312,000 | 6,946 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $181,000 | 6,040 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $131,000 | 6,381 |
| Total noninterest expense | $2,543,000 | 4,928 |
| Salaries and employee benefits | $1,354,000 | 4,700 |
| Premises and equipment expense | $340,000 | 5,132 |
| Additional noninterest expense | $849,000 | 4,999 |
| Pre-tax net operating income | $1,025,000 | 5,892 |
| Securities gains (losses) | $40,000 | 1,447 |
| Applicable income taxes | $355,000 | 5,383 |
| Income before extraordinary items | $710,000 | 5,923 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $710,000 | 5,922 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 4,240 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $683,200 | 6,066 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,611,000 | 5,153 |
| Total interest expense | $2,268,000 | 5,043 |
| Net interest income | $3,343,000 | 5,145 |
| Provision for loan and lease losses | $40,000 | 6,585 |
| Total noninterest income | $327,000 | 6,932 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $182,000 | 6,224 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $145,000 | 6,300 |
| Total noninterest expense | $2,387,000 | 5,373 |
| Salaries and employee benefits | $1,241,000 | 5,090 |
| Premises and equipment expense | $360,000 | 4,994 |
| Additional noninterest expense | $786,000 | 5,775 |
| Pre-tax net operating income | $1,243,000 | 5,105 |
| Securities gains (losses) | $-54,000 | 11,090 |
| Applicable income taxes | $445,000 | 4,429 |
| Income before extraordinary items | $744,000 | 5,643 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $744,000 | 5,661 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,780 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $778,560 | 5,539 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,170,000 | 5,608 |
| Total interest expense | $2,139,000 | 5,518 |
| Net interest income | $3,031,000 | 5,614 |
| Provision for loan and lease losses | $130,000 | 5,002 |
| Total noninterest income | $817,000 | 3,926 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $72,000 | 9,272 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $745,000 | 2,490 |
| Total noninterest expense | $2,596,000 | 5,106 |
| Salaries and employee benefits | $1,292,000 | 4,915 |
| Premises and equipment expense | $363,000 | 5,088 |
| Additional noninterest expense | $941,000 | 5,184 |
| Pre-tax net operating income | $1,122,000 | 5,442 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $426,000 | 4,778 |
| Income before extraordinary items | $696,000 | 6,140 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $696,000 | 6,305 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 7,730 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $499,000 | 601 |
| Net operating income | $696,000 | 5,864 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,565,000 | 6,811 |
| Total interest expense | $2,061,000 | 6,977 |
| Net interest income | $2,504,000 | 6,590 |
| Provision for loan and lease losses | $115,000 | 6,913 |
| Total noninterest income | $125,000 | 11,046 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $62,000 | 9,841 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $63,000 | 9,641 |
| Total noninterest expense | $1,929,000 | 6,568 |
| Salaries and employee benefits | $1,009,000 | 5,975 |
| Premises and equipment expense | $278,000 | 6,313 |
| Additional noninterest expense | $642,000 | 7,158 |
| Pre-tax net operating income | $585,000 | 7,823 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $167,000 | 8,227 |
| Income before extraordinary items | $418,000 | 8,037 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $418,000 | 8,161 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 8,076 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $418,000 | 7,685 |
* 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.