Home > The Keeseville National Bank > Income and Expense
The Keeseville National Bank, Income and Expense
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $10,292,000 | 3,006 |
| Total interest expense | $3,690,000 | 3,414 |
| Net interest income | $6,602,000 | 2,736 |
| Provision for loan and lease losses | $1,579,000 | 962 |
| Total noninterest income | $982,000 | 3,385 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $657,000 | 2,077 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $325,000 | 4,273 |
| Total noninterest expense | $4,083,000 | 3,426 |
| Salaries and employee benefits | $1,330,000 | 4,784 |
| Premises and equipment expense | $422,000 | 4,499 |
| Additional noninterest expense | $2,331,000 | 2,393 |
| Pre-tax net operating income | $1,922,000 | 3,436 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $754,000 | 2,891 |
| Income before extraordinary items | $1,168,000 | 4,117 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,168,000 | 4,229 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $936,000 | 1,197 |
| Cash dividends | $143,000 | 6,223 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,168,000 | 3,917 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $10,694,000 | 3,271 |
| Total interest expense | $4,651,000 | 3,530 |
| Net interest income | $6,043,000 | 3,031 |
| Provision for loan and lease losses | $1,264,000 | 1,583 |
| Total noninterest income | $799,000 | 3,976 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $573,000 | 2,409 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $226,000 | 5,284 |
| Total noninterest expense | $3,969,000 | 3,524 |
| Salaries and employee benefits | $1,350,000 | 4,658 |
| Premises and equipment expense | $453,000 | 4,319 |
| Additional noninterest expense | $2,166,000 | 2,622 |
| Pre-tax net operating income | $1,609,000 | 3,783 |
| Securities gains (losses) | $245,000 | 1,748 |
| Applicable income taxes | $697,000 | 2,999 |
| Income before extraordinary items | $1,157,000 | 3,932 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,157,000 | 3,976 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,056,000 | 1,506 |
| Cash dividends | $526,000 | 2,661 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,000,200 | 4,186 |
* 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.