Home > The First National Bank of Unadilla > Income and Expense
The First National Bank of Unadilla, Income and Expense
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,015,000 | 7,409 |
| Total interest expense | $242,000 | 7,447 |
| Net interest income | $773,000 | 7,305 |
| Provision for loan and lease losses | $10,000 | 6,364 |
| Total noninterest income | $186,000 | 5,987 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $106,000 | 5,146 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $80,000 | 5,602 |
| Total noninterest expense | $566,000 | 7,585 |
| Salaries and employee benefits | $350,000 | 7,300 |
| Premises and equipment expense | $98,000 | 6,821 |
| Additional noninterest expense | $118,000 | 8,119 |
| Pre-tax net operating income | $383,000 | 5,957 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $76,000 | 5,175 |
| Income before extraordinary items | $307,000 | 5,989 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $307,000 | 5,989 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 8,234 |
| Cash dividends | $100,000 | 4,170 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $307,000 | 5,905 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $507,000 | 7,460 |
| Total interest expense | $126,000 | 7,424 |
| Net interest income | $381,000 | 7,378 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $94,000 | 5,919 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $54,000 | 5,021 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $40,000 | 5,560 |
| Total noninterest expense | $333,000 | 7,253 |
| Salaries and employee benefits | $208,000 | 6,881 |
| Premises and equipment expense | $56,000 | 6,504 |
| Additional noninterest expense | $69,000 | 7,915 |
| Pre-tax net operating income | $142,000 | 6,549 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $40,000 | 5,105 |
| Income before extraordinary items | $102,000 | 6,847 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $102,000 | 6,849 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 8,177 |
| Cash dividends | $100,000 | 2,844 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $102,000 | 6,742 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,140,000 | 7,415 |
| Total interest expense | $627,000 | 7,311 |
| Net interest income | $1,513,000 | 7,345 |
| Provision for loan and lease losses | $20,000 | 7,057 |
| Total noninterest income | $415,000 | 5,896 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $128,000 | 6,168 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $287,000 | 4,594 |
| Total noninterest expense | $1,300,000 | 7,265 |
| Salaries and employee benefits | $814,000 | 6,866 |
| Premises and equipment expense | $196,000 | 6,824 |
| Additional noninterest expense | $290,000 | 7,835 |
| Pre-tax net operating income | $608,000 | 6,311 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $181,000 | 5,061 |
| Income before extraordinary items | $427,000 | 6,678 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $427,000 | 6,681 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 4,437 |
| Cash dividends | $50,000 | 5,907 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $427,000 | 6,520 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,613,000 | 7,490 |
| Total interest expense | $492,000 | 7,357 |
| Net interest income | $1,121,000 | 7,427 |
| Provision for loan and lease losses | $20,000 | 6,734 |
| Total noninterest income | $224,000 | 6,650 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $114,000 | 5,877 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $110,000 | 5,911 |
| Total noninterest expense | $810,000 | 7,705 |
| Salaries and employee benefits | $465,000 | 7,578 |
| Premises and equipment expense | $137,000 | 7,013 |
| Additional noninterest expense | $208,000 | 7,921 |
| Pre-tax net operating income | $515,000 | 6,216 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $146,000 | 5,136 |
| Income before extraordinary items | $369,000 | 6,542 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $369,000 | 6,543 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 3,747 |
| Cash dividends | $50,000 | 5,093 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $369,000 | 6,371 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,069,000 | 7,544 |
| Total interest expense | $345,000 | 7,364 |
| Net interest income | $724,000 | 7,512 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $151,000 | 6,634 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $60,000 | 6,305 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $91,000 | 5,491 |
| Total noninterest expense | $561,000 | 7,640 |
| Salaries and employee benefits | $338,000 | 7,384 |
| Premises and equipment expense | $96,000 | 6,867 |
| Additional noninterest expense | $127,000 | 8,083 |
| Pre-tax net operating income | $314,000 | 6,414 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $97,000 | 5,183 |
| Income before extraordinary items | $217,000 | 6,813 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $217,000 | 6,816 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 4,485 |
| Cash dividends | $50,000 | 4,732 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $217,000 | 6,611 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $539,000 | 7,567 |
| Total interest expense | $176,000 | 7,410 |
| Net interest income | $363,000 | 7,520 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $71,000 | 6,688 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $29,000 | 6,311 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $42,000 | 5,598 |
| Total noninterest expense | $330,000 | 7,285 |
| Salaries and employee benefits | $203,000 | 6,940 |
| Premises and equipment expense | $56,000 | 6,474 |
| Additional noninterest expense | $71,000 | 7,907 |
| Pre-tax net operating income | $104,000 | 7,126 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $49,000 | 5,135 |
| Income before extraordinary items | $55,000 | 7,774 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $55,000 | 7,774 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 3,949 |
| Cash dividends | $50,000 | 3,404 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $55,000 | 7,630 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,469,000 | 7,391 |
| Total interest expense | $832,000 | 7,415 |
| Net interest income | $1,637,000 | 7,210 |
| Provision for loan and lease losses | $130,000 | 5,190 |
| Total noninterest income | $387,000 | 5,855 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $136,000 | 6,022 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $251,000 | 4,605 |
| Total noninterest expense | $1,257,000 | 7,349 |
| Salaries and employee benefits | $797,000 | 6,894 |
| Premises and equipment expense | $165,000 | 7,244 |
| Additional noninterest expense | $295,000 | 7,843 |
| Pre-tax net operating income | $637,000 | 6,301 |
| Securities gains (losses) | $2,000 | 4,234 |
| Applicable income taxes | $201,000 | 5,104 |
| Income before extraordinary items | $438,000 | 6,656 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $438,000 | 6,655 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 5,236 |
| Cash dividends | $50,000 | 5,952 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $436,620 | 6,539 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,824,000 | 7,423 |
| Total interest expense | $1,374,000 | 7,241 |
| Net interest income | $1,450,000 | 7,419 |
| Provision for loan and lease losses | $150,000 | 4,756 |
| Total noninterest income | $289,000 | 6,517 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $161,000 | 5,656 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $128,000 | 5,853 |
| Total noninterest expense | $1,017,000 | 7,913 |
| Salaries and employee benefits | $555,000 | 7,891 |
| Premises and equipment expense | $168,000 | 7,241 |
| Additional noninterest expense | $294,000 | 7,907 |
| Pre-tax net operating income | $572,000 | 6,274 |
| Securities gains (losses) | $8,000 | 3,714 |
| Applicable income taxes | $191,000 | 5,108 |
| Income before extraordinary items | $389,000 | 6,641 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $389,000 | 6,644 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $105,000 | 3,980 |
| Cash dividends | $50,000 | 6,151 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $383,640 | 6,534 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,827,000 | 7,584 |
| Total interest expense | $1,447,000 | 7,261 |
| Net interest income | $1,380,000 | 7,688 |
| Provision for loan and lease losses | $120,000 | 4,828 |
| Total noninterest income | $256,000 | 6,710 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $171,000 | 5,477 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $85,000 | 6,788 |
| Total noninterest expense | $1,034,000 | 7,918 |
| Salaries and employee benefits | $583,000 | 7,788 |
| Premises and equipment expense | $178,000 | 7,111 |
| Additional noninterest expense | $273,000 | 8,166 |
| Pre-tax net operating income | $482,000 | 7,082 |
| Securities gains (losses) | $-2,000 | 7,578 |
| Applicable income taxes | $159,000 | 5,816 |
| Income before extraordinary items | $321,000 | 7,342 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $321,000 | 7,340 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 3,357 |
| Cash dividends | $50,000 | 6,383 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $322,340 | 7,336 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,662,000 | 7,730 |
| Total interest expense | $1,346,000 | 7,309 |
| Net interest income | $1,316,000 | 7,948 |
| Provision for loan and lease losses | $40,000 | 6,849 |
| Total noninterest income | $248,000 | 6,968 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $164,000 | 5,620 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $84,000 | 7,038 |
| Total noninterest expense | $1,050,000 | 7,973 |
| Salaries and employee benefits | $595,000 | 7,788 |
| Premises and equipment expense | $176,000 | 7,199 |
| Additional noninterest expense | $279,000 | 8,306 |
| Pre-tax net operating income | $474,000 | 7,258 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $159,000 | 6,165 |
| Income before extraordinary items | $315,000 | 7,503 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $315,000 | 7,502 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $50,000 | 6,588 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $315,000 | 7,473 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,479,000 | 8,117 |
| Total interest expense | $1,274,000 | 7,743 |
| Net interest income | $1,205,000 | 8,321 |
| Provision for loan and lease losses | $30,000 | 7,298 |
| Total noninterest income | $229,000 | 7,223 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $156,000 | 5,821 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $73,000 | 7,394 |
| Total noninterest expense | $925,000 | 8,356 |
| Salaries and employee benefits | $501,000 | 8,354 |
| Premises and equipment expense | $162,000 | 7,398 |
| Additional noninterest expense | $262,000 | 8,479 |
| Pre-tax net operating income | $479,000 | 7,484 |
| Securities gains (losses) | $16,000 | 2,616 |
| Applicable income taxes | $163,000 | 6,671 |
| Income before extraordinary items | $332,000 | 7,638 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $332,000 | 7,637 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 6,737 |
| Cash dividends | $50,000 | 6,861 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $321,280 | 7,622 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,135,000 | 8,853 |
| Total interest expense | $1,101,000 | 8,403 |
| Net interest income | $1,034,000 | 9,104 |
| Provision for loan and lease losses | $10,000 | 8,395 |
| Total noninterest income | $174,000 | 8,220 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $105,000 | 7,090 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $69,000 | 7,730 |
| Total noninterest expense | $843,000 | 8,881 |
| Salaries and employee benefits | $446,000 | 8,965 |
| Premises and equipment expense | $157,000 | 7,652 |
| Additional noninterest expense | $240,000 | 8,965 |
| Pre-tax net operating income | $355,000 | 8,700 |
| Securities gains (losses) | $13,000 | 2,177 |
| Applicable income taxes | $118,000 | 8,120 |
| Income before extraordinary items | $250,000 | 8,754 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $250,000 | 8,757 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 10,017 |
| Cash dividends | $50,000 | 7,161 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $241,160 | 8,783 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,760,000 | 9,724 |
| Total interest expense | $846,000 | 9,494 |
| Net interest income | $914,000 | 9,799 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $148,000 | 9,035 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $91,000 | 7,697 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $57,000 | 8,577 |
| Total noninterest expense | $752,000 | 9,622 |
| Salaries and employee benefits | $381,000 | 9,739 |
| Premises and equipment expense | $105,000 | 9,153 |
| Additional noninterest expense | $266,000 | 9,226 |
| Pre-tax net operating income | $310,000 | 9,063 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $80,000 | 9,145 |
| Income before extraordinary items | $230,000 | 8,999 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $230,000 | 9,003 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,733 |
| Cash dividends | $50,000 | 7,494 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $230,000 | 8,939 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,506,000 | 10,514 |
| Total interest expense | $747,000 | 10,130 |
| Net interest income | $759,000 | 10,663 |
| Provision for loan and lease losses | $40,000 | 6,618 |
| Total noninterest income | $127,000 | 9,711 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $86,000 | 8,152 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $41,000 | 9,663 |
| Total noninterest expense | $633,000 | 10,439 |
| Salaries and employee benefits | $332,000 | 10,482 |
| Premises and equipment expense | $80,000 | 10,197 |
| Additional noninterest expense | $221,000 | 10,177 |
| Pre-tax net operating income | $213,000 | 10,386 |
| Securities gains (losses) | $16,000 | 2,046 |
| Applicable income taxes | $53,000 | 10,132 |
| Income before extraordinary items | $176,000 | 10,204 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $176,000 | 10,206 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 7,576 |
| Cash dividends | $100,000 | 6,741 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $163,680 | 10,312 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,298,000 | 11,137 |
| Total interest expense | $571,000 | 10,736 |
| Net interest income | $727,000 | 11,289 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $112,000 | 10,477 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $80,000 | 8,680 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $32,000 | 10,653 |
| Total noninterest expense | $606,000 | 11,096 |
| Salaries and employee benefits | $320,000 | 11,015 |
| Premises and equipment expense | $77,000 | 10,744 |
| Additional noninterest expense | $209,000 | 11,024 |
| Pre-tax net operating income | $233,000 | 10,635 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $49,000 | 10,496 |
| Income before extraordinary items | $184,000 | 10,450 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $184,000 | 10,456 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,704 |
| Cash dividends | $24,000 | 8,512 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $184,000 | 10,495 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,334,000 | 11,602 |
| Total interest expense | $608,000 | 11,093 |
| Net interest income | $726,000 | 11,767 |
| Provision for loan and lease losses | $10,000 | 9,731 |
| Total noninterest income | $117,000 | 10,904 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $85,000 | 8,849 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $32,000 | 11,170 |
| Total noninterest expense | $602,000 | 11,646 |
| Salaries and employee benefits | $288,000 | 11,779 |
| Premises and equipment expense | $93,000 | 10,682 |
| Additional noninterest expense | $221,000 | 11,452 |
| Pre-tax net operating income | $231,000 | 10,779 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $50,000 | 10,946 |
| Income before extraordinary items | $181,000 | 10,857 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $181,000 | 10,962 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 8,222 |
| Cash dividends | $3,000 | 9,038 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $181,000 | 10,643 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,564,000 | 11,813 |
| Total interest expense | $801,000 | 11,325 |
| Net interest income | $763,000 | 12,059 |
| Provision for loan and lease losses | $50,000 | 9,026 |
| Total noninterest income | $122,000 | 11,132 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $87,000 | 8,930 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $35,000 | 11,401 |
| Total noninterest expense | $574,000 | 12,228 |
| Salaries and employee benefits | $281,000 | 12,237 |
| Premises and equipment expense | $60,000 | 12,283 |
| Additional noninterest expense | $233,000 | 11,783 |
| Pre-tax net operating income | $261,000 | 10,507 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $68,000 | 10,772 |
| Income before extraordinary items | $193,000 | 10,690 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $193,000 | 10,802 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 9,186 |
| Cash dividends | $22,000 | 8,436 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $193,000 | 10,356 |
* 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.