Home > Bank One, West Virginia > Income and Expense

Bank One, West Virginia, Income and Expense

2003-06-30 (YTD Data)		Rank
Total interest income	$19,559,000	748
Total interest expense	$15,658,000	335
Net interest income	$3,901,000	2,490
Provision for loan and lease losses	$-113,000	9,199
Total noninterest income	$10,420,000	404
Gross Fiduciary activities income	$4,061,000	126
Service charges on deposit accounts	$4,150,000	226
Trading account gains and fees	$8,000	142
Additional Noninterest Income	$2,201,000	853
Total noninterest expense	$19,296,000	478
Salaries and employee benefits	$7,386,000	602
Premises and equipment expense	$3,224,000	388
Additional noninterest expense	$8,686,000	379
Pre-tax net operating income	$-4,862,000	9,248
Securities gains (losses)	$0	3,782
Applicable income taxes	$-1,876,000	9,253
Income before extraordinary items	$-2,986,000	9,253
Extraordinary gains, net	$0	30
Net income	$-2,986,000	9,253
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,129,000	483
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$-2,986,000	9,229
2003-03-31 (YTD Data)		Rank
Total interest income	$11,913,000	615
Total interest expense	$8,083,000	343
Net interest income	$3,830,000	1,279
Provision for loan and lease losses	$0	6,934
Total noninterest income	$5,051,000	420
Gross Fiduciary activities income	$2,111,000	124
Service charges on deposit accounts	$1,991,000	235
Trading account gains and fees	$8,000	121
Additional Noninterest Income	$941,000	929
Total noninterest expense	$9,828,000	467
Salaries and employee benefits	$3,672,000	600
Premises and equipment expense	$1,797,000	356
Additional noninterest expense	$4,359,000	383
Pre-tax net operating income	$-947,000	9,259
Securities gains (losses)	$0	2,891
Applicable income taxes	$-437,000	9,283
Income before extraordinary items	$-510,000	9,244
Extraordinary gains, net	$0	21
Net income	$-510,000	9,240
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,242,000	287
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$-510,000	9,203
2002-12-31 (YTD Data)		Rank
Total interest income	$74,660,000	445
Total interest expense	$39,856,000	331
Net interest income	$34,804,000	556
Provision for loan and lease losses	$10,698,000	232
Total noninterest income	$20,922,000	393
Gross Fiduciary activities income	$9,522,000	122
Service charges on deposit accounts	$7,792,000	229
Trading account gains and fees	$8,000	137
Additional Noninterest Income	$3,600,000	890
Total noninterest expense	$42,669,000	426
Salaries and employee benefits	$13,768,000	597
Premises and equipment expense	$7,800,000	329
Additional noninterest expense	$21,101,000	336
Pre-tax net operating income	$2,359,000	3,016
Securities gains (losses)	$1,000	4,369
Applicable income taxes	$497,000	3,454
Income before extraordinary items	$1,863,000	2,954
Extraordinary gains, net	$0	70
Net income	$1,863,000	2,952
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,658,000	209
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,862,210	2,869
2001-12-31 (YTD Data)		Rank
Total interest income	$125,526,000	330
Total interest expense	$67,544,000	297
Net interest income	$57,982,000	364
Provision for loan and lease losses	$11,981,000	215
Total noninterest income	$21,530,000	372
Gross Fiduciary activities income	$10,776,000	113
Service charges on deposit accounts	$7,361,000	228
Trading account gains and fees	$0	177
Additional Noninterest Income	$3,393,000	866
Total noninterest expense	$57,959,000	323
Salaries and employee benefits	$15,215,000	521
Premises and equipment expense	$6,481,000	366
Additional noninterest expense	$36,263,000	247
Pre-tax net operating income	$9,572,000	795
Securities gains (losses)	$405,000	712
Applicable income taxes	$4,037,000	645
Income before extraordinary items	$5,940,000	921
Extraordinary gains, net	$0	105
Net income	$5,940,000	921
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,523,000	196
Cash dividends	$20,000,000	230
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$5,680,800	929
2000-12-31 (YTD Data)		Rank
Total interest income	$155,710,000	304
Total interest expense	$78,391,000	307
Net interest income	$77,319,000	295
Provision for loan and lease losses	$13,549,000	171
Total noninterest income	$18,828,000	388
Gross Fiduciary activities income	$11,049,000	112
Service charges on deposit accounts	$6,806,000	222
Trading account gains and fees	$-55,000	4,507
Additional Noninterest Income	$1,028,000	1,822
Total noninterest expense	$47,449,000	358
Salaries and employee benefits	$15,952,000	468
Premises and equipment expense	$5,235,000	436
Additional noninterest expense	$26,262,000	293
Pre-tax net operating income	$35,149,000	297
Securities gains (losses)	$-6,020,000	9,844
Applicable income taxes	$11,265,000	315
Income before extraordinary items	$17,864,000	354
Extraordinary gains, net	$0	38
Net income	$17,864,000	355
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,549,000	160
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$21,716,800	310
1999-12-31 (YTD Data)		Rank
Total interest income	$140,165,000	309
Total interest expense	$59,957,000	335
Net interest income	$80,208,000	286
Provision for loan and lease losses	$8,378,000	233
Total noninterest income	$25,330,000	339
Gross Fiduciary activities income	$12,698,000	122
Service charges on deposit accounts	$7,735,000	214
Trading account gains and fees	$0	173
Additional Noninterest Income	$4,897,000	659
Total noninterest expense	$64,611,000	298
Salaries and employee benefits	$16,719,000	460
Premises and equipment expense	$4,267,000	533
Additional noninterest expense	$43,625,000	214
Pre-tax net operating income	$32,549,000	339
Securities gains (losses)	$693,000	281
Applicable income taxes	$12,406,000	324
Income before extraordinary items	$20,836,000	359
Extraordinary gains, net	$0	35
Net income	$20,836,000	359
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,886,000	161
Cash dividends	$16,000,000	289
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$20,392,480	354
1998-12-31 (YTD Data)		Rank
Total interest income	$162,540,000	262
Total interest expense	$69,120,000	304
Net interest income	$93,420,000	233
Provision for loan and lease losses	$17,848,000	148
Total noninterest income	$72,729,000	188
Gross Fiduciary activities income	$11,922,000	121
Service charges on deposit accounts	$8,214,000	191
Trading account gains and fees	$0	224
Additional Noninterest Income	$52,593,000	181
Total noninterest expense	$83,046,000	253
Salaries and employee benefits	$19,059,000	394
Premises and equipment expense	$7,382,000	315
Additional noninterest expense	$56,605,000	202
Pre-tax net operating income	$65,255,000	200
Securities gains (losses)	$511,000	547
Applicable income taxes	$17,054,000	234
Income before extraordinary items	$48,712,000	196
Extraordinary gains, net	$0	32
Net income	$48,712,000	196
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,538,000	176
Cash dividends	$64,000,000	122
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$48,333,860	191
1997-12-31 (YTD Data)		Rank
Total interest income	$188,735,000	245
Total interest expense	$77,973,000	278
Net interest income	$110,762,000	217
Provision for loan and lease losses	$13,683,000	166
Total noninterest income	$27,662,000	288
Gross Fiduciary activities income	$12,448,000	119
Service charges on deposit accounts	$8,493,000	191
Trading account gains and fees	$235,000	134
Additional Noninterest Income	$6,486,000	528
Total noninterest expense	$95,987,000	223
Salaries and employee benefits	$18,218,000	387
Premises and equipment expense	$8,968,000	264
Additional noninterest expense	$68,801,000	170
Pre-tax net operating income	$28,754,000	343
Securities gains (losses)	$2,373,000	158
Applicable income taxes	$9,738,000	367
Income before extraordinary items	$21,389,000	314
Extraordinary gains, net	$0	44
Net income	$21,389,000	314
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,951,000	168
Cash dividends	$150,010,000	56
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$19,751,630	322
1996-12-31 (YTD Data)		Rank
Total interest income	$186,504,000	275
Total interest expense	$78,889,000	304
Net interest income	$107,615,000	256
Provision for loan and lease losses	$4,619,000	346
Total noninterest income	$23,031,000	355
Gross Fiduciary activities income	$8,357,000	166
Service charges on deposit accounts	$8,722,000	222
Trading account gains and fees	$0	262
Additional Noninterest Income	$5,952,000	577
Total noninterest expense	$81,775,000	284
Salaries and employee benefits	$23,978,000	334
Premises and equipment expense	$5,941,000	409
Additional noninterest expense	$51,856,000	233
Pre-tax net operating income	$44,252,000	263
Securities gains (losses)	$486,000	427
Applicable income taxes	$16,528,000	263
Income before extraordinary items	$28,210,000	272
Extraordinary gains, net	$0	53
Net income	$28,210,000	272
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,671,000	249
Cash dividends	$12,300,000	373
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$27,898,960	267
1995-12-31 (YTD Data)		Rank
Total interest income	$189,392,000	287
Total interest expense	$80,333,000	312
Net interest income	$109,059,000	262
Provision for loan and lease losses	$6,791,000	260
Total noninterest income	$20,655,000	388
Gross Fiduciary activities income	$7,331,000	191
Service charges on deposit accounts	$7,964,000	252
Trading account gains and fees	$0	522
Additional Noninterest Income	$5,360,000	640
Total noninterest expense	$78,708,000	298
Salaries and employee benefits	$25,750,000	330
Premises and equipment expense	$6,579,000	408
Additional noninterest expense	$46,379,000	248
Pre-tax net operating income	$44,215,000	284
Securities gains (losses)	$-904,000	11,861
Applicable income taxes	$14,591,000	287
Income before extraordinary items	$28,720,000	283
Extraordinary gains, net	$0	65
Net income	$28,720,000	282
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,923,000	246
Cash dividends	$46,987,000	136
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$29,316,640	276
1994-12-31 (YTD Data)		Rank
Total interest income	$183,442,000	269
Total interest expense	$63,844,000	311
Net interest income	$119,598,000	241
Provision for loan and lease losses	$2,660,000	471
Total noninterest income	$20,440,000	374
Gross Fiduciary activities income	$6,882,000	189
Service charges on deposit accounts	$7,253,000	258
Trading account gains and fees	$0	475
Additional Noninterest Income	$6,305,000	555
Total noninterest expense	$78,110,000	297
Salaries and employee benefits	$31,532,000	290
Premises and equipment expense	$7,280,000	371
Additional noninterest expense	$39,298,000	277
Pre-tax net operating income	$59,268,000	216
Securities gains (losses)	$-2,403,000	12,503
Applicable income taxes	$19,452,000	211
Income before extraordinary items	$37,413,000	218
Extraordinary gains, net	$0	249
Net income	$37,413,000	216
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,510,000	383
Cash dividends	$34,535,000	151
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$38,998,980	220
1993-12-31 (YTD Data)		Rank
Total interest income	$38,216,000	866
Total interest expense	$13,269,000	1,018
Net interest income	$24,947,000	769
Provision for loan and lease losses	$1,027,000	1,268
Total noninterest income	$5,684,000	899
Gross Fiduciary activities income	$1,970,000	383
Service charges on deposit accounts	$2,007,000	685
Trading account gains and fees	$0	532
Additional Noninterest Income	$1,707,000	1,395
Total noninterest expense	$18,604,000	896
Salaries and employee benefits	$9,264,000	747
Premises and equipment expense	$1,978,000	1,084
Additional noninterest expense	$7,362,000	953
Pre-tax net operating income	$11,000,000	657
Securities gains (losses)	$0	7,477
Applicable income taxes	$3,625,000	712
Income before extraordinary items	$7,375,000	709
Extraordinary gains, net	$0	3,149
Net income	$7,375,000	730
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,056,000	1,109
Cash dividends	$4,651,000	520
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$7,375,000	665
1992-12-31 (YTD Data)		Rank
Total interest income	$39,183,000	964
Total interest expense	$15,617,000	1,148
Net interest income	$23,566,000	822
Provision for loan and lease losses	$1,776,000	1,253
Total noninterest income	$5,683,000	896
Gross Fiduciary activities income	$1,707,000	422
Service charges on deposit accounts	$1,989,000	681
Trading account gains and fees	$0	504
Additional Noninterest Income	$1,987,000	1,247
Total noninterest expense	$19,280,000	877
Salaries and employee benefits	$9,970,000	702
Premises and equipment expense	$2,058,000	1,088
Additional noninterest expense	$7,252,000	987
Pre-tax net operating income	$8,193,000	784
Securities gains (losses)	$264,000	1,651
Applicable income taxes	$2,487,000	929
Income before extraordinary items	$5,970,000	804
Extraordinary gains, net	$0	1,422
Net income	$5,970,000	803
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,261,000	1,358
Cash dividends	$5,051,000	377
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$5,782,560	748

* 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.