Home > The Saratoga State Bank > Income and Expense
The Saratoga State Bank, Income and Expense
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,649,000 | 10,439 |
| Total interest expense | $612,000 | 10,552 |
| Net interest income | $1,037,000 | 10,268 |
| Provision for loan and lease losses | $9,000 | 8,587 |
| Total noninterest income | $55,000 | 11,823 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $36,000 | 10,160 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,000 | 11,499 |
| Total noninterest expense | $500,000 | 11,618 |
| Salaries and employee benefits | $242,000 | 11,736 |
| Premises and equipment expense | $42,000 | 11,924 |
| Additional noninterest expense | $216,000 | 10,940 |
| Pre-tax net operating income | $583,000 | 8,102 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $173,000 | 7,862 |
| Income before extraordinary items | $410,000 | 8,109 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $410,000 | 8,113 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 7,184 |
| Cash dividends | $654,000 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $410,000 | 8,148 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,738,000 | 10,731 |
| Total interest expense | $636,000 | 10,945 |
| Net interest income | $1,102,000 | 10,400 |
| Provision for loan and lease losses | $9,000 | 9,850 |
| Total noninterest income | $62,000 | 12,252 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $32,000 | 10,686 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $30,000 | 11,310 |
| Total noninterest expense | $527,000 | 12,024 |
| Salaries and employee benefits | $264,000 | 12,037 |
| Premises and equipment expense | $36,000 | 12,671 |
| Additional noninterest expense | $227,000 | 11,372 |
| Pre-tax net operating income | $628,000 | 7,751 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $204,000 | 7,541 |
| Income before extraordinary items | $424,000 | 8,195 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $424,000 | 8,361 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 11,543 |
| Cash dividends | $134,000 | 6,342 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $424,000 | 7,923 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,052,000 | 10,799 |
| Total interest expense | $928,000 | 10,727 |
| Net interest income | $1,124,000 | 10,616 |
| Provision for loan and lease losses | $85,000 | 7,723 |
| Total noninterest income | $58,000 | 12,909 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $31,000 | 11,039 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $27,000 | 12,017 |
| Total noninterest expense | $527,000 | 12,469 |
| Salaries and employee benefits | $234,000 | 12,776 |
| Premises and equipment expense | $54,000 | 12,540 |
| Additional noninterest expense | $239,000 | 11,688 |
| Pre-tax net operating income | $570,000 | 7,925 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $191,000 | 7,734 |
| Income before extraordinary items | $379,000 | 8,423 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $379,000 | 8,550 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 9,274 |
| Cash dividends | $97,000 | 6,724 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $379,000 | 8,068 |
* 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.