Home > The Greenwich Bank & Trust Company > Income and Expense
The Greenwich Bank & Trust Company, Income and Expense
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,908,000 | 4,810 |
| Total interest expense | $741,000 | 6,300 |
| Net interest income | $3,167,000 | 4,217 |
| Provision for loan and lease losses | $130,000 | 4,216 |
| Total noninterest income | $220,000 | 6,680 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $168,000 | 5,037 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $52,000 | 7,154 |
| Total noninterest expense | $2,187,000 | 4,677 |
| Salaries and employee benefits | $1,149,000 | 4,774 |
| Premises and equipment expense | $522,000 | 3,106 |
| Additional noninterest expense | $516,000 | 5,533 |
| Pre-tax net operating income | $1,070,000 | 4,385 |
| Securities gains (losses) | $38,000 | 2,527 |
| Applicable income taxes | $458,000 | 3,180 |
| Income before extraordinary items | $650,000 | 5,179 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $650,000 | 5,179 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 5,062 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $625,680 | 5,110 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,508,000 | 4,981 |
| Total interest expense | $487,000 | 6,470 |
| Net interest income | $2,021,000 | 4,366 |
| Provision for loan and lease losses | $120,000 | 3,448 |
| Total noninterest income | $156,000 | 6,551 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $122,000 | 4,816 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $34,000 | 7,176 |
| Total noninterest expense | $1,460,000 | 4,677 |
| Salaries and employee benefits | $762,000 | 4,799 |
| Premises and equipment expense | $347,000 | 3,096 |
| Additional noninterest expense | $351,000 | 5,464 |
| Pre-tax net operating income | $597,000 | 4,841 |
| Securities gains (losses) | $38,000 | 2,204 |
| Applicable income taxes | $267,000 | 3,437 |
| Income before extraordinary items | $368,000 | 5,609 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $368,000 | 5,608 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 4,226 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $343,680 | 5,571 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,221,000 | 5,085 |
| Total interest expense | $234,000 | 6,664 |
| Net interest income | $987,000 | 4,442 |
| Provision for loan and lease losses | $111,000 | 2,191 |
| Total noninterest income | $79,000 | 6,467 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $65,000 | 4,539 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $14,000 | 7,447 |
| Total noninterest expense | $741,000 | 4,614 |
| Salaries and employee benefits | $386,000 | 4,735 |
| Premises and equipment expense | $181,000 | 3,001 |
| Additional noninterest expense | $174,000 | 5,473 |
| Pre-tax net operating income | $214,000 | 5,682 |
| Securities gains (losses) | $28,000 | 1,723 |
| Applicable income taxes | $97,000 | 3,988 |
| Income before extraordinary items | $145,000 | 6,086 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $145,000 | 6,085 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $127,080 | 6,245 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,114,000 | 5,813 |
| Total interest expense | $1,032,000 | 6,852 |
| Net interest income | $3,082,000 | 5,202 |
| Provision for loan and lease losses | $274,000 | 3,659 |
| Total noninterest income | $253,000 | 6,826 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $214,000 | 5,052 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $39,000 | 7,905 |
| Total noninterest expense | $2,922,000 | 4,547 |
| Salaries and employee benefits | $1,480,000 | 4,744 |
| Premises and equipment expense | $732,000 | 2,883 |
| Additional noninterest expense | $710,000 | 5,367 |
| Pre-tax net operating income | $139,000 | 8,158 |
| Securities gains (losses) | $60,000 | 2,237 |
| Applicable income taxes | $-1,315,000 | 9,306 |
| Income before extraordinary items | $1,514,000 | 3,475 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,514,000 | 3,473 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 5,179 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,454,000 | 3,477 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,764,000 | 6,531 |
| Total interest expense | $1,414,000 | 7,161 |
| Net interest income | $2,350,000 | 5,926 |
| Provision for loan and lease losses | $212,000 | 3,998 |
| Total noninterest income | $157,000 | 7,779 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $113,000 | 6,354 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $44,000 | 7,857 |
| Total noninterest expense | $2,581,000 | 4,852 |
| Salaries and employee benefits | $1,156,000 | 5,460 |
| Premises and equipment expense | $709,000 | 2,919 |
| Additional noninterest expense | $716,000 | 5,202 |
| Pre-tax net operating income | $-286,000 | 9,014 |
| Securities gains (losses) | $50,000 | 2,347 |
| Applicable income taxes | $-91,000 | 9,246 |
| Income before extraordinary items | $-145,000 | 8,997 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-145,000 | 8,998 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-177,000 | 8,972 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,077,000 | 7,341 |
| Total interest expense | $1,249,000 | 7,702 |
| Net interest income | $1,828,000 | 6,870 |
| Provision for loan and lease losses | $103,000 | 5,231 |
| Total noninterest income | $112,000 | 8,428 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $84,000 | 6,909 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $28,000 | 8,628 |
| Total noninterest expense | $2,447,000 | 4,939 |
| Salaries and employee benefits | $1,031,000 | 5,796 |
| Premises and equipment expense | $700,000 | 2,882 |
| Additional noninterest expense | $716,000 | 5,095 |
| Pre-tax net operating income | $-610,000 | 9,593 |
| Securities gains (losses) | $-4,000 | 7,844 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-614,000 | 9,623 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-614,000 | 9,621 |
| 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 | $-610,000 | 9,622 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,773,000 | 8,740 |
| Total interest expense | $650,000 | 9,071 |
| Net interest income | $1,123,000 | 8,355 |
| Provision for loan and lease losses | $135,000 | 4,497 |
| Total noninterest income | $73,000 | 9,239 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $52,000 | 7,784 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,000 | 9,216 |
| Total noninterest expense | $2,621,000 | 4,699 |
| Salaries and employee benefits | $1,277,000 | 4,937 |
| Premises and equipment expense | $885,000 | 2,297 |
| Additional noninterest expense | $459,000 | 6,829 |
| Pre-tax net operating income | $-1,560,000 | 10,138 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-1,560,000 | 10,137 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-1,560,000 | 10,137 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-1,560,000 | 10,130 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $832,000 | 9,996 |
| Total interest expense | $167,000 | 10,222 |
| Net interest income | $665,000 | 9,578 |
| Provision for loan and lease losses | $90,000 | 5,311 |
| Total noninterest income | $14,000 | 10,263 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $9,000 | 8,887 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $5,000 | 10,199 |
| Total noninterest expense | $2,023,000 | 5,553 |
| Salaries and employee benefits | $839,000 | 6,516 |
| Premises and equipment expense | $568,000 | 3,333 |
| Additional noninterest expense | $616,000 | 5,648 |
| Pre-tax net operating income | $-1,434,000 | 10,390 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-1,434,000 | 10,398 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-1,434,000 | 10,398 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-1,434,000 | 10,384 |
* 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.