Home > First National Bank of West Point > Income and Expense
First National Bank of West Point, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $10,560,000 | 3,251 |
| Total interest expense | $4,880,000 | 3,395 |
| Net interest income | $5,680,000 | 3,097 |
| Provision for loan and lease losses | $1,600,000 | 723 |
| Total noninterest income | $896,000 | 3,401 |
| Gross Fiduciary activities income | $65,000 | 1,007 |
| Service charges on deposit accounts | $579,000 | 2,368 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $252,000 | 4,283 |
| Total noninterest expense | $4,238,000 | 3,176 |
| Salaries and employee benefits | $2,355,000 | 2,992 |
| Premises and equipment expense | $767,000 | 2,673 |
| Additional noninterest expense | $1,116,000 | 3,656 |
| Pre-tax net operating income | $738,000 | 6,082 |
| Securities gains (losses) | $-12,000 | 8,439 |
| Applicable income taxes | $254,000 | 4,946 |
| Income before extraordinary items | $472,000 | 6,472 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $472,000 | 6,471 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,481,000 | 569 |
| Cash dividends | $260,000 | 4,713 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $479,800 | 6,448 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $9,499,000 | 3,380 |
| Total interest expense | $4,173,000 | 3,458 |
| Net interest income | $5,326,000 | 3,261 |
| Provision for loan and lease losses | $100,000 | 5,206 |
| Total noninterest income | $838,000 | 3,507 |
| Gross Fiduciary activities income | $62,000 | 1,068 |
| Service charges on deposit accounts | $500,000 | 2,634 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $276,000 | 4,208 |
| Total noninterest expense | $4,173,000 | 3,188 |
| Salaries and employee benefits | $2,306,000 | 3,025 |
| Premises and equipment expense | $757,000 | 2,686 |
| Additional noninterest expense | $1,110,000 | 3,686 |
| Pre-tax net operating income | $1,891,000 | 3,476 |
| Securities gains (losses) | $1,000 | 2,805 |
| Applicable income taxes | $663,000 | 3,007 |
| Income before extraordinary items | $1,229,000 | 3,803 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,229,000 | 3,804 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 4,603 |
| Cash dividends | $630,000 | 3,056 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,228,350 | 3,775 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $9,776,000 | 3,307 |
| Total interest expense | $4,771,000 | 3,135 |
| Net interest income | $5,005,000 | 3,385 |
| Provision for loan and lease losses | $10,000 | 8,212 |
| Total noninterest income | $903,000 | 3,313 |
| Gross Fiduciary activities income | $53,000 | 1,104 |
| Service charges on deposit accounts | $470,000 | 2,696 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $380,000 | 3,539 |
| Total noninterest expense | $4,550,000 | 2,847 |
| Salaries and employee benefits | $2,652,000 | 2,544 |
| Premises and equipment expense | $753,000 | 2,587 |
| Additional noninterest expense | $1,145,000 | 3,501 |
| Pre-tax net operating income | $1,348,000 | 4,502 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $461,000 | 4,064 |
| Income before extraordinary items | $887,000 | 4,882 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $887,000 | 4,882 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,956 |
| Cash dividends | $630,000 | 3,034 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $887,000 | 4,781 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $10,008,000 | 3,232 |
| Total interest expense | $4,787,000 | 3,104 |
| Net interest income | $5,221,000 | 3,343 |
| Provision for loan and lease losses | $120,000 | 4,629 |
| Total noninterest income | $717,000 | 3,911 |
| Gross Fiduciary activities income | $37,000 | 1,215 |
| Service charges on deposit accounts | $432,000 | 3,020 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $248,000 | 4,384 |
| Total noninterest expense | $4,081,000 | 3,113 |
| Salaries and employee benefits | $2,390,000 | 2,771 |
| Premises and equipment expense | $619,000 | 3,056 |
| Additional noninterest expense | $1,072,000 | 3,668 |
| Pre-tax net operating income | $1,737,000 | 3,972 |
| Securities gains (losses) | $-1,510,000 | 10,907 |
| Applicable income taxes | $49,000 | 9,272 |
| Income before extraordinary items | $178,000 | 9,348 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $178,000 | 9,350 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,655 |
| Cash dividends | $2,232,000 | 1,186 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,355,800 | 3,595 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $9,934,000 | 3,298 |
| Total interest expense | $4,960,000 | 3,025 |
| Net interest income | $4,974,000 | 3,548 |
| Provision for loan and lease losses | $120,000 | 4,568 |
| Total noninterest income | $651,000 | 4,316 |
| Gross Fiduciary activities income | $29,000 | 1,310 |
| Service charges on deposit accounts | $454,000 | 2,975 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $168,000 | 5,634 |
| Total noninterest expense | $3,749,000 | 3,542 |
| Salaries and employee benefits | $2,173,000 | 3,077 |
| Premises and equipment expense | $598,000 | 3,226 |
| Additional noninterest expense | $978,000 | 4,490 |
| Pre-tax net operating income | $1,756,000 | 3,805 |
| Securities gains (losses) | $60,000 | 1,226 |
| Applicable income taxes | $604,000 | 3,559 |
| Income before extraordinary items | $1,212,000 | 3,845 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,212,000 | 3,845 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 6,017 |
| Cash dividends | $995,000 | 2,182 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,171,800 | 3,901 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $9,938,000 | 3,297 |
| Total interest expense | $4,792,000 | 3,137 |
| Net interest income | $5,146,000 | 3,443 |
| Provision for loan and lease losses | $120,000 | 4,090 |
| Total noninterest income | $821,000 | 3,619 |
| Gross Fiduciary activities income | $22,000 | 1,403 |
| Service charges on deposit accounts | $421,000 | 3,195 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $378,000 | 3,440 |
| Total noninterest expense | $3,649,000 | 3,593 |
| Salaries and employee benefits | $2,006,000 | 3,300 |
| Premises and equipment expense | $616,000 | 3,144 |
| Additional noninterest expense | $1,027,000 | 4,255 |
| Pre-tax net operating income | $2,198,000 | 3,217 |
| Securities gains (losses) | $519,000 | 344 |
| Applicable income taxes | $885,000 | 2,644 |
| Income before extraordinary items | $1,832,000 | 2,696 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,832,000 | 2,697 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 5,621 |
| Cash dividends | $1,155,000 | 1,812 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,484,270 | 3,253 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,998,000 | 3,732 |
| Total interest expense | $2,892,000 | 4,097 |
| Net interest income | $5,106,000 | 3,488 |
| Provision for loan and lease losses | $120,000 | 4,039 |
| Total noninterest income | $574,000 | 4,805 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $398,000 | 3,390 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $176,000 | 5,699 |
| Total noninterest expense | $3,285,000 | 4,078 |
| Salaries and employee benefits | $1,780,000 | 3,655 |
| Premises and equipment expense | $547,000 | 3,537 |
| Additional noninterest expense | $958,000 | 4,890 |
| Pre-tax net operating income | $2,275,000 | 3,080 |
| Securities gains (losses) | $96,000 | 791 |
| Applicable income taxes | $771,000 | 2,861 |
| Income before extraordinary items | $1,600,000 | 3,015 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,600,000 | 3,024 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $267,000 | 2,069 |
| Cash dividends | $1,584,000 | 1,342 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,535,680 | 3,134 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,431,000 | 4,659 |
| Total interest expense | $2,137,000 | 5,526 |
| Net interest income | $4,294,000 | 4,131 |
| Provision for loan and lease losses | $160,000 | 4,468 |
| Total noninterest income | $522,000 | 5,448 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $378,000 | 3,631 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $144,000 | 6,692 |
| Total noninterest expense | $3,265,000 | 4,179 |
| Salaries and employee benefits | $1,685,000 | 3,848 |
| Premises and equipment expense | $574,000 | 3,459 |
| Additional noninterest expense | $1,006,000 | 4,895 |
| Pre-tax net operating income | $1,391,000 | 4,619 |
| Securities gains (losses) | $734,000 | 684 |
| Applicable income taxes | $666,000 | 3,268 |
| Income before extraordinary items | $1,459,000 | 3,322 |
| Extraordinary gains, net | $237,000 | 881 |
| Net income | $1,696,000 | 2,996 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $145,000 | 3,754 |
| Cash dividends | $811,000 | 2,122 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $952,540 | 4,647 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,028,000 | 4,807 |
| Total interest expense | $2,695,000 | 5,649 |
| Net interest income | $4,333,000 | 4,150 |
| Provision for loan and lease losses | $120,000 | 6,707 |
| Total noninterest income | $521,000 | 5,488 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $395,000 | 3,530 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $126,000 | 7,283 |
| Total noninterest expense | $2,949,000 | 4,609 |
| Salaries and employee benefits | $1,514,000 | 4,203 |
| Premises and equipment expense | $530,000 | 3,778 |
| Additional noninterest expense | $905,000 | 5,500 |
| Pre-tax net operating income | $1,785,000 | 3,465 |
| Securities gains (losses) | $33,000 | 4,829 |
| Applicable income taxes | $532,000 | 3,789 |
| Income before extraordinary items | $1,286,000 | 3,576 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,286,000 | 3,619 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 8,990 |
| Cash dividends | $570,000 | 2,513 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,262,570 | 3,372 |
* 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.