Home > Cohoes Savings Bank > Income and Expense
Cohoes Savings Bank, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $52,829,000 | 693 |
| Total interest expense | $26,573,000 | 690 |
| Net interest income | $26,256,000 | 682 |
| Provision for loan and lease losses | $1,250,000 | 884 |
| Total noninterest income | $3,740,000 | 1,127 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $958,000 | 1,424 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $2,782,000 | 901 |
| Total noninterest expense | $19,154,000 | 780 |
| Salaries and employee benefits | $11,253,000 | 636 |
| Premises and equipment expense | $3,325,000 | 645 |
| Additional noninterest expense | $4,576,000 | 1,027 |
| Pre-tax net operating income | $9,592,000 | 808 |
| Securities gains (losses) | $-279,000 | 9,628 |
| Applicable income taxes | $3,395,000 | 747 |
| Income before extraordinary items | $5,918,000 | 895 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $5,918,000 | 895 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $169,000 | 2,671 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $713,000 | 498 |
| Net operating income | $6,096,560 | 865 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $46,725,000 | 735 |
| Total interest expense | $22,618,000 | 719 |
| Net interest income | $24,107,000 | 742 |
| Provision for loan and lease losses | $1,825,000 | 608 |
| Total noninterest income | $2,880,000 | 1,402 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $810,000 | 1,638 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $2,070,000 | 1,125 |
| Total noninterest expense | $17,541,000 | 837 |
| Salaries and employee benefits | $9,164,000 | 761 |
| Premises and equipment expense | $3,034,000 | 691 |
| Additional noninterest expense | $5,343,000 | 913 |
| Pre-tax net operating income | $7,621,000 | 1,021 |
| Securities gains (losses) | $-1,000 | 8,592 |
| Applicable income taxes | $2,770,000 | 947 |
| Income before extraordinary items | $4,850,000 | 1,128 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,850,000 | 1,128 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,047,000 | 690 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $606,000 | 581 |
| Net operating income | $4,850,640 | 1,110 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $40,435,000 | 824 |
| Total interest expense | $20,393,000 | 798 |
| Net interest income | $20,042,000 | 857 |
| Provision for loan and lease losses | $1,360,000 | 753 |
| Total noninterest income | $2,518,000 | 1,537 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $769,000 | 1,651 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,749,000 | 1,267 |
| Total noninterest expense | $17,152,000 | 838 |
| Salaries and employee benefits | $7,491,000 | 880 |
| Premises and equipment expense | $2,828,000 | 718 |
| Additional noninterest expense | $6,833,000 | 779 |
| Pre-tax net operating income | $4,048,000 | 1,796 |
| Securities gains (losses) | $2,000 | 3,909 |
| Applicable income taxes | $1,492,000 | 1,642 |
| Income before extraordinary items | $2,558,000 | 2,042 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,558,000 | 2,041 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $777,000 | 908 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $36,258,000 | 26 |
| Net operating income | $2,556,720 | 1,968 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $37,588,000 | 910 |
| Total interest expense | $18,503,000 | 887 |
| Net interest income | $19,085,000 | 938 |
| Provision for loan and lease losses | $1,085,000 | 926 |
| Total noninterest income | $2,522,000 | 1,473 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $746,000 | 1,738 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,776,000 | 1,182 |
| Total noninterest expense | $12,993,000 | 1,051 |
| Salaries and employee benefits | $6,252,000 | 1,057 |
| Premises and equipment expense | $2,616,000 | 780 |
| Additional noninterest expense | $4,125,000 | 1,105 |
| Pre-tax net operating income | $7,529,000 | 1,070 |
| Securities gains (losses) | $39,000 | 1,491 |
| Applicable income taxes | $2,930,000 | 958 |
| Income before extraordinary items | $4,638,000 | 1,186 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $4,638,000 | 1,187 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,185,000 | 716 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $4,613,040 | 1,165 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $36,047,000 | 977 |
| Total interest expense | $17,725,000 | 950 |
| Net interest income | $18,322,000 | 1,002 |
| Provision for loan and lease losses | $880,000 | 1,122 |
| Total noninterest income | $2,562,000 | 1,522 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $750,000 | 1,804 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,812,000 | 1,236 |
| Total noninterest expense | $12,635,000 | 1,156 |
| Salaries and employee benefits | $6,210,000 | 1,078 |
| Premises and equipment expense | $2,320,000 | 932 |
| Additional noninterest expense | $4,105,000 | 1,330 |
| Pre-tax net operating income | $7,369,000 | 1,025 |
| Securities gains (losses) | $11,000 | 2,431 |
| Applicable income taxes | $2,770,000 | 933 |
| Income before extraordinary items | $4,610,000 | 1,117 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $4,610,000 | 1,118 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $801,000 | 1,022 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $4,602,960 | 1,103 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $34,509,000 | 1,029 |
| Total interest expense | $17,652,000 | 977 |
| Net interest income | $16,857,000 | 1,087 |
| Provision for loan and lease losses | $340,000 | 2,093 |
| Total noninterest income | $2,280,000 | 1,647 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $728,000 | 1,860 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,552,000 | 1,354 |
| Total noninterest expense | $12,291,000 | 1,194 |
| Salaries and employee benefits | $6,019,000 | 1,122 |
| Premises and equipment expense | $2,154,000 | 995 |
| Additional noninterest expense | $4,118,000 | 1,306 |
| Pre-tax net operating income | $6,506,000 | 1,180 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $2,503,000 | 1,045 |
| Income before extraordinary items | $4,003,000 | 1,322 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $4,003,000 | 1,320 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $399,000 | 1,609 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $4,003,000 | 1,298 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $29,212,000 | 1,087 |
| Total interest expense | $12,856,000 | 1,026 |
| Net interest income | $16,356,000 | 1,127 |
| Provision for loan and lease losses | $480,000 | 1,589 |
| Total noninterest income | $2,536,000 | 1,546 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $661,000 | 2,055 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,875,000 | 1,179 |
| Total noninterest expense | $12,155,000 | 1,222 |
| Salaries and employee benefits | $5,987,000 | 1,127 |
| Premises and equipment expense | $1,813,000 | 1,165 |
| Additional noninterest expense | $4,355,000 | 1,325 |
| Pre-tax net operating income | $6,257,000 | 1,200 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $2,318,000 | 1,058 |
| Income before extraordinary items | $3,939,000 | 1,281 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $3,939,000 | 1,281 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $108,000 | 3,588 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $3,939,000 | 1,291 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $27,784,000 | 1,140 |
| Total interest expense | $12,577,000 | 1,072 |
| Net interest income | $15,207,000 | 1,195 |
| Provision for loan and lease losses | $715,000 | 1,636 |
| Total noninterest income | $2,863,000 | 1,522 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $781,000 | 1,750 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $2,082,000 | 1,228 |
| Total noninterest expense | $11,726,000 | 1,309 |
| Salaries and employee benefits | $5,562,000 | 1,205 |
| Premises and equipment expense | $1,253,000 | 1,670 |
| Additional noninterest expense | $4,911,000 | 1,290 |
| Pre-tax net operating income | $5,629,000 | 1,233 |
| Securities gains (losses) | $4,000 | 6,316 |
| Applicable income taxes | $2,153,000 | 1,130 |
| Income before extraordinary items | $3,480,000 | 1,457 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $3,480,000 | 1,501 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-27,000 | 12,315 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $3,477,440 | 1,370 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $30,285,000 | 1,209 |
| Total interest expense | $16,690,000 | 1,080 |
| Net interest income | $13,595,000 | 1,362 |
| Provision for loan and lease losses | $710,000 | 2,346 |
| Total noninterest income | $1,761,000 | 2,120 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $456,000 | 3,061 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,305,000 | 1,665 |
| Total noninterest expense | $10,451,000 | 1,471 |
| Salaries and employee benefits | $4,888,000 | 1,371 |
| Premises and equipment expense | $1,151,000 | 1,835 |
| Additional noninterest expense | $4,412,000 | 1,491 |
| Pre-tax net operating income | $4,195,000 | 1,505 |
| Securities gains (losses) | $201,000 | 2,003 |
| Applicable income taxes | $1,762,000 | 1,257 |
| Income before extraordinary items | $2,634,000 | 1,734 |
| Extraordinary gains, net | $-573,000 | 13,834 |
| Net income | $2,061,000 | 2,251 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 7,050 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,505,360 | 1,672 |
* 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.