Home > Trustco Bank > Income and Expense
Trustco Bank, Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $165,989,000 | 270 |
| Total interest expense | $72,103,000 | 285 |
| Net interest income | $93,886,000 | 257 |
| Provision for loan and lease losses | $4,240,000 | 399 |
| Total noninterest income | $22,517,000 | 358 |
| Gross Fiduciary activities income | $7,758,000 | 131 |
| Service charges on deposit accounts | $6,551,000 | 254 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $8,208,000 | 468 |
| Total noninterest expense | $51,628,000 | 353 |
| Salaries and employee benefits | $25,737,000 | 314 |
| Premises and equipment expense | $10,341,000 | 254 |
| Additional noninterest expense | $15,550,000 | 418 |
| Pre-tax net operating income | $60,535,000 | 199 |
| Securities gains (losses) | $2,068,000 | 241 |
| Applicable income taxes | $18,941,000 | 217 |
| Income before extraordinary items | $43,662,000 | 199 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $43,662,000 | 200 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,881,000 | 369 |
| Cash dividends | $38,063,000 | 158 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $42,214,400 | 196 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $171,980,000 | 284 |
| Total interest expense | $75,419,000 | 318 |
| Net interest income | $96,561,000 | 236 |
| Provision for loan and lease losses | $3,790,000 | 392 |
| Total noninterest income | $22,253,000 | 351 |
| Gross Fiduciary activities income | $8,662,000 | 128 |
| Service charges on deposit accounts | $6,213,000 | 243 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $7,378,000 | 499 |
| Total noninterest expense | $45,469,000 | 378 |
| Salaries and employee benefits | $23,091,000 | 324 |
| Premises and equipment expense | $8,768,000 | 284 |
| Additional noninterest expense | $13,610,000 | 467 |
| Pre-tax net operating income | $69,555,000 | 185 |
| Securities gains (losses) | $-6,807,000 | 9,851 |
| Applicable income taxes | $20,827,000 | 196 |
| Income before extraordinary items | $41,921,000 | 194 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $41,921,000 | 193 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,633,000 | 334 |
| Cash dividends | $44,113,000 | 150 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $46,481,690 | 183 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $166,516,000 | 266 |
| Total interest expense | $74,227,000 | 283 |
| Net interest income | $92,289,000 | 248 |
| Provision for loan and lease losses | $5,063,000 | 301 |
| Total noninterest income | $19,619,000 | 397 |
| Gross Fiduciary activities income | $8,065,000 | 151 |
| Service charges on deposit accounts | $5,925,000 | 260 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $5,629,000 | 609 |
| Total noninterest expense | $45,231,000 | 393 |
| Salaries and employee benefits | $24,994,000 | 322 |
| Premises and equipment expense | $9,359,000 | 269 |
| Additional noninterest expense | $10,878,000 | 566 |
| Pre-tax net operating income | $61,614,000 | 216 |
| Securities gains (losses) | $-6,618,000 | 10,202 |
| Applicable income taxes | $18,692,000 | 241 |
| Income before extraordinary items | $36,304,000 | 236 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $36,304,000 | 237 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,618,000 | 322 |
| Cash dividends | $36,863,000 | 172 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $40,671,880 | 212 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $173,596,000 | 250 |
| Total interest expense | $88,500,000 | 242 |
| Net interest income | $85,096,000 | 258 |
| Provision for loan and lease losses | $4,610,000 | 339 |
| Total noninterest income | $20,807,000 | 370 |
| Gross Fiduciary activities income | $6,973,000 | 165 |
| Service charges on deposit accounts | $5,255,000 | 267 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $8,579,000 | 472 |
| Total noninterest expense | $48,564,000 | 358 |
| Salaries and employee benefits | $23,367,000 | 323 |
| Premises and equipment expense | $11,186,000 | 225 |
| Additional noninterest expense | $14,011,000 | 455 |
| Pre-tax net operating income | $52,729,000 | 229 |
| Securities gains (losses) | $136,000 | 1,104 |
| Applicable income taxes | $18,885,000 | 226 |
| Income before extraordinary items | $33,980,000 | 240 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $33,980,000 | 241 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,690,000 | 335 |
| Cash dividends | $29,838,000 | 204 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $33,892,960 | 236 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $171,625,000 | 261 |
| Total interest expense | $86,697,000 | 257 |
| Net interest income | $84,928,000 | 263 |
| Provision for loan and lease losses | $5,414,000 | 308 |
| Total noninterest income | $17,569,000 | 388 |
| Gross Fiduciary activities income | $6,554,000 | 172 |
| Service charges on deposit accounts | $4,992,000 | 281 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $6,023,000 | 544 |
| Total noninterest expense | $45,985,000 | 356 |
| Salaries and employee benefits | $23,162,000 | 308 |
| Premises and equipment expense | $9,435,000 | 252 |
| Additional noninterest expense | $13,388,000 | 465 |
| Pre-tax net operating income | $51,098,000 | 230 |
| Securities gains (losses) | $-167,000 | 10,818 |
| Applicable income taxes | $18,918,000 | 233 |
| Income before extraordinary items | $32,013,000 | 242 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $32,013,000 | 242 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,520,000 | 353 |
| Cash dividends | $27,063,000 | 182 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $32,119,880 | 234 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $166,345,000 | 295 |
| Total interest expense | $82,450,000 | 294 |
| Net interest income | $83,895,000 | 291 |
| Provision for loan and lease losses | $6,577,000 | 285 |
| Total noninterest income | $14,706,000 | 467 |
| Gross Fiduciary activities income | $5,556,000 | 211 |
| Service charges on deposit accounts | $4,906,000 | 317 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $4,244,000 | 713 |
| Total noninterest expense | $41,365,000 | 450 |
| Salaries and employee benefits | $21,532,000 | 357 |
| Premises and equipment expense | $7,467,000 | 341 |
| Additional noninterest expense | $12,366,000 | 573 |
| Pre-tax net operating income | $50,659,000 | 243 |
| Securities gains (losses) | $-4,536,000 | 11,443 |
| Applicable income taxes | $17,366,000 | 251 |
| Income before extraordinary items | $28,757,000 | 269 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $28,757,000 | 269 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,336,000 | 424 |
| Cash dividends | $20,309,000 | 273 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $31,660,040 | 249 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $161,486,000 | 319 |
| Total interest expense | $80,289,000 | 313 |
| Net interest income | $81,197,000 | 314 |
| Provision for loan and lease losses | $12,698,000 | 161 |
| Total noninterest income | $13,865,000 | 501 |
| Gross Fiduciary activities income | $4,890,000 | 234 |
| Service charges on deposit accounts | $4,717,000 | 358 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $4,258,000 | 735 |
| Total noninterest expense | $42,943,000 | 445 |
| Salaries and employee benefits | $19,895,000 | 404 |
| Premises and equipment expense | $6,862,000 | 394 |
| Additional noninterest expense | $16,186,000 | 479 |
| Pre-tax net operating income | $39,421,000 | 302 |
| Securities gains (losses) | $151,000 | 780 |
| Applicable income taxes | $13,287,000 | 307 |
| Income before extraordinary items | $26,285,000 | 298 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $26,285,000 | 297 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,229,000 | 429 |
| Cash dividends | $28,258,000 | 194 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $26,185,340 | 294 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $140,217,000 | 316 |
| Total interest expense | $60,621,000 | 322 |
| Net interest income | $79,596,000 | 309 |
| Provision for loan and lease losses | $8,056,000 | 216 |
| Total noninterest income | $13,787,000 | 477 |
| Gross Fiduciary activities income | $4,850,000 | 228 |
| Service charges on deposit accounts | $4,586,000 | 344 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $4,351,000 | 688 |
| Total noninterest expense | $40,488,000 | 463 |
| Salaries and employee benefits | $18,323,000 | 425 |
| Premises and equipment expense | $6,842,000 | 389 |
| Additional noninterest expense | $15,323,000 | 518 |
| Pre-tax net operating income | $44,839,000 | 265 |
| Securities gains (losses) | $-9,010,000 | 12,569 |
| Applicable income taxes | $12,765,000 | 285 |
| Income before extraordinary items | $23,064,000 | 298 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $23,064,000 | 297 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,292,000 | 401 |
| Cash dividends | $14,694,000 | 268 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $28,830,400 | 269 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $133,585,000 | 315 |
| Total interest expense | $61,572,000 | 303 |
| Net interest income | $72,013,000 | 326 |
| Provision for loan and lease losses | $11,576,000 | 253 |
| Total noninterest income | $12,955,000 | 504 |
| Gross Fiduciary activities income | $4,347,000 | 242 |
| Service charges on deposit accounts | $4,185,000 | 366 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $4,423,000 | 748 |
| Total noninterest expense | $43,213,000 | 447 |
| Salaries and employee benefits | $16,649,000 | 461 |
| Premises and equipment expense | $7,087,000 | 382 |
| Additional noninterest expense | $19,477,000 | 476 |
| Pre-tax net operating income | $30,179,000 | 292 |
| Securities gains (losses) | $5,865,000 | 133 |
| Applicable income taxes | $12,477,000 | 263 |
| Income before extraordinary items | $23,567,000 | 280 |
| Extraordinary gains, net | $-3,295,000 | 13,251 |
| Net income | $20,272,000 | 323 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,408,000 | 446 |
| Cash dividends | $10,752,000 | 267 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $19,754,750 | 302 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $143,217,000 | 340 |
| Total interest expense | $76,335,000 | 312 |
| Net interest income | $66,882,000 | 355 |
| Provision for loan and lease losses | $12,693,000 | 310 |
| Total noninterest income | $12,494,000 | 518 |
| Gross Fiduciary activities income | $3,869,000 | 259 |
| Service charges on deposit accounts | $4,089,000 | 368 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $4,536,000 | 722 |
| Total noninterest expense | $42,434,000 | 466 |
| Salaries and employee benefits | $15,853,000 | 466 |
| Premises and equipment expense | $7,391,000 | 378 |
| Additional noninterest expense | $19,190,000 | 465 |
| Pre-tax net operating income | $24,249,000 | 292 |
| Securities gains (losses) | $2,954,000 | 315 |
| Applicable income taxes | $9,478,000 | 284 |
| Income before extraordinary items | $17,725,000 | 302 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $17,725,000 | 304 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,823,000 | 538 |
| Cash dividends | $10,663,000 | 202 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $15,804,900 | 296 |
* 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.