Home > The Owego National Bank > Income and Expense
The Owego National Bank, Income and Expense
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,438,000 | 9,018 |
| Total interest expense | $881,000 | 9,215 |
| Net interest income | $1,557,000 | 8,710 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $238,000 | 8,112 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $81,000 | 8,649 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $157,000 | 6,078 |
| Total noninterest expense | $1,488,000 | 7,637 |
| Salaries and employee benefits | $841,000 | 6,972 |
| Premises and equipment expense | $269,000 | 6,192 |
| Additional noninterest expense | $378,000 | 9,057 |
| Pre-tax net operating income | $307,000 | 10,088 |
| Securities gains (losses) | $-705,000 | 12,326 |
| Applicable income taxes | $-196,000 | 12,386 |
| Income before extraordinary items | $-202,000 | 12,224 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-202,000 | 12,224 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $75,000 | 7,404 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $249,200 | 9,776 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,601,000 | 9,000 |
| Total interest expense | $877,000 | 9,649 |
| Net interest income | $1,724,000 | 8,433 |
| Provision for loan and lease losses | $16,000 | 9,322 |
| Total noninterest income | $258,000 | 8,241 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $67,000 | 9,435 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $191,000 | 5,807 |
| Total noninterest expense | $1,489,000 | 7,873 |
| Salaries and employee benefits | $722,000 | 7,851 |
| Premises and equipment expense | $219,000 | 7,307 |
| Additional noninterest expense | $548,000 | 7,792 |
| Pre-tax net operating income | $477,000 | 8,805 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $158,000 | 8,455 |
| Income before extraordinary items | $319,000 | 9,250 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $319,000 | 9,418 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 7,819 |
| Cash dividends | $60,000 | 7,697 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $319,000 | 8,995 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,896,000 | 9,153 |
| Total interest expense | $1,214,000 | 9,551 |
| Net interest income | $1,682,000 | 8,714 |
| Provision for loan and lease losses | $10,000 | 11,168 |
| Total noninterest income | $249,000 | 8,508 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $64,000 | 9,773 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $185,000 | 5,932 |
| Total noninterest expense | $1,465,000 | 8,045 |
| Salaries and employee benefits | $717,000 | 7,858 |
| Premises and equipment expense | $215,000 | 7,514 |
| Additional noninterest expense | $533,000 | 8,167 |
| Pre-tax net operating income | $456,000 | 8,746 |
| Securities gains (losses) | $5,000 | 7,049 |
| Applicable income taxes | $142,000 | 8,837 |
| Income before extraordinary items | $319,000 | 9,058 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $319,000 | 9,200 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 9,962 |
| Cash dividends | $60,000 | 7,413 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $315,550 | 8,729 |
* 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.