Home > Bank of Wadley > Income and Expense

Bank of Wadley, Income and Expense

1998-12-31 (YTD Data)		Rank
Total interest income	$1,820,000	8,900
Total interest expense	$772,000	9,007
Net interest income	$1,048,000	8,694
Provision for loan and lease losses	$10,000	8,212
Total noninterest income	$147,000	8,273
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$119,000	6,481
Trading account gains and fees	NA	NA
Additional Noninterest Income	$28,000	9,114
Total noninterest expense	$584,000	9,491
Salaries and employee benefits	$313,000	9,553
Premises and equipment expense	$68,000	9,397
Additional noninterest expense	$203,000	9,083
Pre-tax net operating income	$601,000	6,909
Securities gains (losses)	$0	4,449
Applicable income taxes	$184,000	6,363
Income before extraordinary items	$417,000	7,109
Extraordinary gains, net	$0	32
Net income	$417,000	7,107
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$34,000	5,584
Cash dividends	$200,000	5,324
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$417,000	7,016
1997-12-31 (YTD Data)		Rank
Total interest income	$1,923,000	9,105
Total interest expense	$741,000	9,435
Net interest income	$1,182,000	8,725
Provision for loan and lease losses	$50,000	6,616
Total noninterest income	$151,000	8,555
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$129,000	6,577
Trading account gains and fees	NA	NA
Additional Noninterest Income	$22,000	9,735
Total noninterest expense	$644,000	9,576
Salaries and employee benefits	$358,000	9,543
Premises and equipment expense	$83,000	9,364
Additional noninterest expense	$203,000	9,373
Pre-tax net operating income	$639,000	7,251
Securities gains (losses)	$0	3,944
Applicable income taxes	$198,000	6,902
Income before extraordinary items	$441,000	7,369
Extraordinary gains, net	$0	44
Net income	$441,000	7,372
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$68,000	4,572
Cash dividends	$400,000	3,931
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$441,000	7,320
1996-12-31 (YTD Data)		Rank
Total interest income	$2,021,000	9,346
Total interest expense	$784,000	9,697
Net interest income	$1,237,000	8,942
Provision for loan and lease losses	$100,000	5,070
Total noninterest income	$132,000	9,328
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$107,000	7,351
Trading account gains and fees	NA	NA
Additional Noninterest Income	$25,000	10,117
Total noninterest expense	$611,000	10,138
Salaries and employee benefits	$318,000	10,201
Premises and equipment expense	$87,000	9,625
Additional noninterest expense	$206,000	9,869
Pre-tax net operating income	$658,000	7,122
Securities gains (losses)	$1,000	3,760
Applicable income taxes	$222,000	6,811
Income before extraordinary items	$437,000	7,334
Extraordinary gains, net	$0	53
Net income	$437,000	7,335
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$44,000	5,548
Cash dividends	$625,000	2,959
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$436,340	7,281
1995-12-31 (YTD Data)		Rank
Total interest income	$1,885,000	9,906
Total interest expense	$754,000	10,109
Net interest income	$1,131,000	9,537
Provision for loan and lease losses	$110,000	4,388
Total noninterest income	$129,000	9,681
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$101,000	7,760
Trading account gains and fees	NA	NA
Additional Noninterest Income	$28,000	10,398
Total noninterest expense	$626,000	10,466
Salaries and employee benefits	$332,000	10,482
Premises and equipment expense	$84,000	10,095
Additional noninterest expense	$210,000	10,303
Pre-tax net operating income	$524,000	8,301
Securities gains (losses)	$0	3,831
Applicable income taxes	$164,000	8,034
Income before extraordinary items	$360,000	8,390
Extraordinary gains, net	$0	65
Net income	$360,000	8,392
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$96,000	3,855
Cash dividends	$200,000	5,441
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$360,000	8,372
1994-12-31 (YTD Data)		Rank
Total interest income	$1,617,000	10,496
Total interest expense	$580,000	10,695
Net interest income	$1,037,000	10,268
Provision for loan and lease losses	$65,000	5,465
Total noninterest income	$155,000	9,612
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$111,000	7,816
Trading account gains and fees	NA	NA
Additional Noninterest Income	$44,000	9,933
Total noninterest expense	$709,000	10,655
Salaries and employee benefits	$381,000	10,458
Premises and equipment expense	$93,000	10,249
Additional noninterest expense	$235,000	10,711
Pre-tax net operating income	$418,000	9,223
Securities gains (losses)	$0	3,600
Applicable income taxes	$133,000	8,646
Income before extraordinary items	$285,000	9,309
Extraordinary gains, net	$0	249
Net income	$285,000	9,318
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$52,000	5,032
Cash dividends	$170,000	5,823
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$285,000	9,370
1993-12-31 (YTD Data)		Rank
Total interest income	$1,644,000	10,917
Total interest expense	$645,000	10,900
Net interest income	$999,000	10,781
Provision for loan and lease losses	$95,000	5,900
Total noninterest income	$126,000	10,712
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$96,000	8,486
Trading account gains and fees	NA	NA
Additional Noninterest Income	$30,000	11,310
Total noninterest expense	$681,000	11,260
Salaries and employee benefits	$363,000	11,014
Premises and equipment expense	$91,000	10,750
Additional noninterest expense	$227,000	11,372
Pre-tax net operating income	$349,000	9,822
Securities gains (losses)	$0	7,477
Applicable income taxes	$105,000	9,629
Income before extraordinary items	$244,000	10,115
Extraordinary gains, net	$0	3,149
Net income	$244,000	10,261
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$102,000	4,512
Cash dividends	$175,000	5,761
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$244,000	9,869
1992-12-31 (YTD Data)		Rank
Total interest income	$1,871,000	11,154
Total interest expense	$855,000	11,068
Net interest income	$1,016,000	11,045
Provision for loan and lease losses	$140,000	6,292
Total noninterest income	$120,000	11,191
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$92,000	8,756
Trading account gains and fees	NA	NA
Additional Noninterest Income	$28,000	11,929
Total noninterest expense	$648,000	11,786
Salaries and employee benefits	$325,000	11,730
Premises and equipment expense	$87,000	11,223
Additional noninterest expense	$236,000	11,725
Pre-tax net operating income	$348,000	9,708
Securities gains (losses)	$0	8,369
Applicable income taxes	$104,000	9,806
Income before extraordinary items	$244,000	9,998
Extraordinary gains, net	$0	1,422
Net income	$244,000	10,150
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$161,000	4,723
Cash dividends	$100,000	6,542
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$244,000	9,631

* 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.