Home > Vermont National Bank > Income and Expense
Vermont National Bank, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $121,932,000 | 348 |
| Total interest expense | $49,471,000 | 389 |
| Net interest income | $72,461,000 | 311 |
| Provision for loan and lease losses | $3,300,000 | 387 |
| Total noninterest income | $41,511,000 | 254 |
| Gross Fiduciary activities income | $6,492,000 | 164 |
| Service charges on deposit accounts | $10,373,000 | 176 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $24,646,000 | 266 |
| Total noninterest expense | $116,068,000 | 206 |
| Salaries and employee benefits | $29,875,000 | 262 |
| Premises and equipment expense | $12,738,000 | 212 |
| Additional noninterest expense | $73,455,000 | 159 |
| Pre-tax net operating income | $-5,396,000 | 10,208 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $13,362,000 | 311 |
| Income before extraordinary items | $-18,758,000 | 10,215 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-18,758,000 | 10,215 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,531,000 | 285 |
| Cash dividends | $10,100,000 | 386 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-18,758,000 | 10,214 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $128,713,000 | 319 |
| Total interest expense | $56,534,000 | 353 |
| Net interest income | $72,179,000 | 289 |
| Provision for loan and lease losses | $3,015,000 | 448 |
| Total noninterest income | $33,828,000 | 271 |
| Gross Fiduciary activities income | $4,931,000 | 194 |
| Service charges on deposit accounts | $13,163,000 | 145 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $15,734,000 | 339 |
| Total noninterest expense | $76,937,000 | 268 |
| Salaries and employee benefits | $34,322,000 | 232 |
| Premises and equipment expense | $15,120,000 | 182 |
| Additional noninterest expense | $27,495,000 | 297 |
| Pre-tax net operating income | $26,055,000 | 357 |
| Securities gains (losses) | $848,000 | 420 |
| Applicable income taxes | $10,201,000 | 338 |
| Income before extraordinary items | $16,702,000 | 382 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $16,702,000 | 382 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,643,000 | 292 |
| Cash dividends | $7,400,000 | 488 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $16,159,280 | 372 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $94,879,000 | 420 |
| Total interest expense | $40,899,000 | 466 |
| Net interest income | $53,980,000 | 383 |
| Provision for loan and lease losses | $2,710,000 | 462 |
| Total noninterest income | $24,612,000 | 310 |
| Gross Fiduciary activities income | $5,700,000 | 183 |
| Service charges on deposit accounts | $8,017,000 | 197 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $10,895,000 | 386 |
| Total noninterest expense | $57,296,000 | 301 |
| Salaries and employee benefits | $25,898,000 | 275 |
| Premises and equipment expense | $9,504,000 | 251 |
| Additional noninterest expense | $21,894,000 | 321 |
| Pre-tax net operating income | $18,586,000 | 487 |
| Securities gains (losses) | $280,000 | 586 |
| Applicable income taxes | $6,623,000 | 497 |
| Income before extraordinary items | $12,243,000 | 506 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $12,243,000 | 506 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,164,000 | 277 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $12,061,000 | 486 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $78,804,000 | 516 |
| Total interest expense | $32,915,000 | 571 |
| Net interest income | $45,889,000 | 464 |
| Provision for loan and lease losses | $3,350,000 | 431 |
| Total noninterest income | $18,161,000 | 410 |
| Gross Fiduciary activities income | $4,055,000 | 244 |
| Service charges on deposit accounts | $5,477,000 | 295 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $8,629,000 | 466 |
| Total noninterest expense | $40,680,000 | 456 |
| Salaries and employee benefits | $20,697,000 | 370 |
| Premises and equipment expense | $6,842,000 | 371 |
| Additional noninterest expense | $13,141,000 | 542 |
| Pre-tax net operating income | $20,020,000 | 460 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $6,376,000 | 491 |
| Income before extraordinary items | $13,644,000 | 454 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $13,644,000 | 455 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,940,000 | 391 |
| Cash dividends | $31,650,000 | 202 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $13,644,000 | 449 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $77,774,000 | 550 |
| Total interest expense | $33,971,000 | 589 |
| Net interest income | $43,803,000 | 499 |
| Provision for loan and lease losses | $3,900,000 | 377 |
| Total noninterest income | $16,683,000 | 449 |
| Gross Fiduciary activities income | $3,204,000 | 293 |
| Service charges on deposit accounts | $5,142,000 | 328 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $8,337,000 | 474 |
| Total noninterest expense | $39,614,000 | 471 |
| Salaries and employee benefits | $18,910,000 | 416 |
| Premises and equipment expense | $6,971,000 | 386 |
| Additional noninterest expense | $13,733,000 | 542 |
| Pre-tax net operating income | $16,972,000 | 534 |
| Securities gains (losses) | $-45,000 | 11,108 |
| Applicable income taxes | $5,149,000 | 601 |
| Income before extraordinary items | $11,778,000 | 525 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $11,778,000 | 525 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,141,000 | 307 |
| Cash dividends | $2,800,000 | 971 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $11,809,500 | 522 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $68,029,000 | 540 |
| Total interest expense | $27,013,000 | 568 |
| Net interest income | $41,016,000 | 514 |
| Provision for loan and lease losses | $4,000,000 | 337 |
| Total noninterest income | $15,744,000 | 434 |
| Gross Fiduciary activities income | $2,965,000 | 304 |
| Service charges on deposit accounts | $4,855,000 | 331 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $7,924,000 | 476 |
| Total noninterest expense | $39,845,000 | 466 |
| Salaries and employee benefits | $19,597,000 | 404 |
| Premises and equipment expense | $6,570,000 | 402 |
| Additional noninterest expense | $13,678,000 | 559 |
| Pre-tax net operating income | $12,915,000 | 642 |
| Securities gains (losses) | $60,000 | 1,045 |
| Applicable income taxes | $3,312,000 | 799 |
| Income before extraordinary items | $9,663,000 | 581 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $9,663,000 | 581 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,475,000 | 280 |
| Cash dividends | $250,000 | 4,888 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $9,618,600 | 585 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $66,427,000 | 546 |
| Total interest expense | $25,076,000 | 596 |
| Net interest income | $41,351,000 | 505 |
| Provision for loan and lease losses | $4,900,000 | 439 |
| Total noninterest income | $14,837,000 | 465 |
| Gross Fiduciary activities income | $2,775,000 | 317 |
| Service charges on deposit accounts | $3,974,000 | 383 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $8,088,000 | 486 |
| Total noninterest expense | $46,614,000 | 429 |
| Salaries and employee benefits | $20,755,000 | 378 |
| Premises and equipment expense | $6,461,000 | 414 |
| Additional noninterest expense | $19,398,000 | 478 |
| Pre-tax net operating income | $4,674,000 | 1,503 |
| Securities gains (losses) | $1,998,000 | 320 |
| Applicable income taxes | $1,810,000 | 1,320 |
| Income before extraordinary items | $4,862,000 | 1,072 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $4,862,000 | 1,098 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,234,000 | 291 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $3,403,460 | 1,405 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $71,307,000 | 577 |
| Total interest expense | $33,115,000 | 615 |
| Net interest income | $38,192,000 | 547 |
| Provision for loan and lease losses | $7,500,000 | 456 |
| Total noninterest income | $13,566,000 | 490 |
| Gross Fiduciary activities income | $2,508,000 | 337 |
| Service charges on deposit accounts | $3,577,000 | 415 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $7,481,000 | 506 |
| Total noninterest expense | $40,135,000 | 482 |
| Salaries and employee benefits | $19,249,000 | 395 |
| Premises and equipment expense | $6,268,000 | 426 |
| Additional noninterest expense | $14,618,000 | 583 |
| Pre-tax net operating income | $4,123,000 | 1,527 |
| Securities gains (losses) | $870,000 | 727 |
| Applicable income taxes | $1,330,000 | 1,600 |
| Income before extraordinary items | $3,663,000 | 1,277 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $3,663,000 | 1,278 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,017,000 | 420 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $3,027,900 | 1,419 |
* 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.