Home > Bank of Western Indiana > Income and Expense
Bank of Western Indiana, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $10,156,000 | 3,186 |
| Total interest expense | $4,300,000 | 3,446 |
| Net interest income | $5,856,000 | 2,948 |
| Provision for loan and lease losses | $60,000 | 6,123 |
| Total noninterest income | $650,000 | 4,167 |
| Gross Fiduciary activities income | $22,000 | 1,211 |
| Service charges on deposit accounts | $344,000 | 3,551 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $284,000 | 4,146 |
| Total noninterest expense | $3,366,000 | 3,731 |
| Salaries and employee benefits | $1,594,000 | 4,054 |
| Premises and equipment expense | $247,000 | 6,000 |
| Additional noninterest expense | $1,525,000 | 2,729 |
| Pre-tax net operating income | $3,080,000 | 2,315 |
| Securities gains (losses) | $1,000 | 4,151 |
| Applicable income taxes | $1,058,000 | 2,205 |
| Income before extraordinary items | $2,023,000 | 2,521 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,023,000 | 2,520 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $235,000 | 2,198 |
| Cash dividends | $2,185,000 | 1,247 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,022,340 | 2,444 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,569,000 | 3,377 |
| Total interest expense | $3,876,000 | 3,795 |
| Net interest income | $5,693,000 | 3,065 |
| Provision for loan and lease losses | $60,000 | 6,153 |
| Total noninterest income | $572,000 | 4,559 |
| Gross Fiduciary activities income | $12,000 | 1,327 |
| Service charges on deposit accounts | $340,000 | 3,711 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $220,000 | 4,727 |
| Total noninterest expense | $3,355,000 | 3,740 |
| Salaries and employee benefits | $1,631,000 | 3,960 |
| Premises and equipment expense | $307,000 | 5,388 |
| Additional noninterest expense | $1,417,000 | 2,887 |
| Pre-tax net operating income | $2,850,000 | 2,597 |
| Securities gains (losses) | $3,000 | 3,097 |
| Applicable income taxes | $1,048,000 | 2,341 |
| Income before extraordinary items | $1,805,000 | 2,821 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,805,000 | 2,820 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 4,933 |
| Cash dividends | $2,236,000 | 1,185 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,803,080 | 2,779 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $9,069,000 | 3,586 |
| Total interest expense | $3,652,000 | 4,022 |
| Net interest income | $5,417,000 | 3,267 |
| Provision for loan and lease losses | $30,000 | 7,397 |
| Total noninterest income | $555,000 | 4,814 |
| Gross Fiduciary activities income | $7,000 | 1,430 |
| Service charges on deposit accounts | $298,000 | 4,251 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $250,000 | 4,535 |
| Total noninterest expense | $3,404,000 | 3,878 |
| Salaries and employee benefits | $1,681,000 | 3,885 |
| Premises and equipment expense | $299,000 | 5,615 |
| Additional noninterest expense | $1,424,000 | 3,262 |
| Pre-tax net operating income | $2,538,000 | 2,745 |
| Securities gains (losses) | $-10,000 | 10,276 |
| Applicable income taxes | $918,000 | 2,531 |
| Income before extraordinary items | $1,610,000 | 2,991 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,610,000 | 2,993 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 3,913 |
| Cash dividends | $220,000 | 5,231 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,616,400 | 2,936 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $9,014,000 | 3,616 |
| Total interest expense | $3,612,000 | 4,037 |
| Net interest income | $5,402,000 | 3,286 |
| Provision for loan and lease losses | $15,000 | 7,935 |
| Total noninterest income | $532,000 | 4,958 |
| Gross Fiduciary activities income | $8,000 | 1,484 |
| Service charges on deposit accounts | $273,000 | 4,634 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $251,000 | 4,465 |
| Total noninterest expense | $3,564,000 | 3,674 |
| Salaries and employee benefits | $1,629,000 | 3,980 |
| Premises and equipment expense | $395,000 | 4,595 |
| Additional noninterest expense | $1,540,000 | 3,019 |
| Pre-tax net operating income | $2,355,000 | 3,016 |
| Securities gains (losses) | $18,000 | 1,987 |
| Applicable income taxes | $899,000 | 2,602 |
| Income before extraordinary items | $1,474,000 | 3,294 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,474,000 | 3,293 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $230,000 | 2,289 |
| Cash dividends | $5,440,000 | 597 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,462,480 | 3,294 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,323,000 | 3,605 |
| Total interest expense | $3,223,000 | 3,711 |
| Net interest income | $5,100,000 | 3,494 |
| Provision for loan and lease losses | $231,000 | 2,778 |
| Total noninterest income | $479,000 | 5,456 |
| Gross Fiduciary activities income | $28,000 | 1,390 |
| Service charges on deposit accounts | $248,000 | 5,083 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $203,000 | 5,218 |
| Total noninterest expense | $3,212,000 | 4,162 |
| Salaries and employee benefits | $1,511,000 | 4,253 |
| Premises and equipment expense | $290,000 | 5,863 |
| Additional noninterest expense | $1,411,000 | 3,506 |
| Pre-tax net operating income | $2,136,000 | 3,243 |
| Securities gains (losses) | $18,000 | 1,859 |
| Applicable income taxes | $793,000 | 2,786 |
| Income before extraordinary items | $1,361,000 | 3,447 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,361,000 | 3,454 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $353,000 | 1,707 |
| Cash dividends | $373,000 | 3,931 |
| Sale, conversion, retirement of capital stock, net | $9,162,000 | 110 |
| Net operating income | $1,349,480 | 3,514 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,590,000 | 9,021 |
| Total interest expense | $1,068,000 | 8,809 |
| Net interest income | $1,522,000 | 9,037 |
| Provision for loan and lease losses | $163,000 | 4,438 |
| Total noninterest income | $147,000 | 10,263 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $102,000 | 8,306 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $45,000 | 10,391 |
| Total noninterest expense | $1,335,000 | 8,389 |
| Salaries and employee benefits | $551,000 | 9,206 |
| Premises and equipment expense | $170,000 | 8,376 |
| Additional noninterest expense | $614,000 | 7,214 |
| Pre-tax net operating income | $171,000 | 11,309 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $81,000 | 10,189 |
| Income before extraordinary items | $90,000 | 11,901 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $90,000 | 11,944 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $239,000 | 2,816 |
| Cash dividends | $120,000 | 6,522 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $90,000 | 11,713 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,176,000 | 8,678 |
| Total interest expense | $1,375,000 | 8,941 |
| Net interest income | $1,801,000 | 8,346 |
| Provision for loan and lease losses | $108,000 | 7,079 |
| Total noninterest income | $151,000 | 10,475 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $119,000 | 7,968 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $32,000 | 11,632 |
| Total noninterest expense | $1,249,000 | 8,847 |
| Salaries and employee benefits | $500,000 | 9,787 |
| Premises and equipment expense | $161,000 | 8,809 |
| Additional noninterest expense | $588,000 | 7,619 |
| Pre-tax net operating income | $595,000 | 7,750 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $283,000 | 6,176 |
| Income before extraordinary items | $312,000 | 9,142 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $312,000 | 9,286 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $116,000 | 5,532 |
| Cash dividends | $1,289,000 | 1,249 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $312,000 | 8,772 |
* 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.