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The Owego National Bank, Changes in Bank Equity Capital
| 1994-12-31 | Rank | |
| Amended balance at previous year-end | $3,574,000 | 8,468 |
| Restatements from amended reports of income, net | $0 | 244 |
| Net income | $-202,000 | 12,224 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net treasury stock transactions | NA | NA |
| Changes incidental to business combinations, net | $0 | 449 |
| Cash dividends declared on preferred stock | $0 | 211 |
| Cash dividends declared on common stock | $75,000 | 7,346 |
| Other comprehensive income | $-76,000 | 4,440 |
| Other transactions with parent holding company | $31,000 | 497 |
| Bank equity capital | $3,252,000 | 9,142 |
| 1993-12-31 | Rank | |
| Amended balance at previous year-end | $3,315,000 | 8,803 |
| Restatements from amended reports of income, net | $0 | 249 |
| Net income | $319,000 | 9,418 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net treasury stock transactions | NA | NA |
| Changes incidental to business combinations, net | $0 | 420 |
| Cash dividends declared on preferred stock | $0 | 217 |
| Cash dividends declared on common stock | $60,000 | 7,635 |
| Other comprehensive income | $0 | 1,984 |
| Other transactions with parent holding company | $0 | 566 |
| Bank equity capital | $3,574,000 | 8,945 |
| 1992-12-31 | Rank | |
| Amended balance at previous year-end | $3,056,000 | 9,145 |
| Restatements from amended reports of income, net | $0 | 350 |
| Net income | $319,000 | 9,200 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net treasury stock transactions | NA | NA |
| Changes incidental to business combinations, net | $0 | 366 |
| Cash dividends declared on preferred stock | $0 | 200 |
| Cash dividends declared on common stock | $60,000 | 7,352 |
| Other comprehensive income | $0 | 551 |
| Other transactions with parent holding company | $0 | 777 |
| Bank equity capital | $3,315,000 | 9,233 |