Home > The Bank of Whitesburg > Income and Expense
The Bank of Whitesburg, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $12,701,000 | 2,748 |
| Total interest expense | $6,402,000 | 2,605 |
| Net interest income | $6,299,000 | 2,812 |
| Provision for loan and lease losses | $626,000 | 1,549 |
| Total noninterest income | $695,000 | 4,013 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $521,000 | 2,595 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $174,000 | 5,123 |
| Total noninterest expense | $4,429,000 | 3,041 |
| Salaries and employee benefits | $2,189,000 | 3,205 |
| Premises and equipment expense | $503,000 | 3,768 |
| Additional noninterest expense | $1,737,000 | 2,470 |
| Pre-tax net operating income | $1,939,000 | 3,410 |
| Securities gains (losses) | $12,000 | 1,101 |
| Applicable income taxes | $512,000 | 3,443 |
| Income before extraordinary items | $1,439,000 | 3,358 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,439,000 | 3,357 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $690,000 | 978 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,430,120 | 3,370 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $12,526,000 | 2,597 |
| Total interest expense | $6,014,000 | 2,453 |
| Net interest income | $6,512,000 | 2,701 |
| Provision for loan and lease losses | $824,000 | 1,163 |
| Total noninterest income | $653,000 | 4,172 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $459,000 | 2,839 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $194,000 | 5,009 |
| Total noninterest expense | $4,186,000 | 3,184 |
| Salaries and employee benefits | $1,947,000 | 3,530 |
| Premises and equipment expense | $542,000 | 3,525 |
| Additional noninterest expense | $1,697,000 | 2,546 |
| Pre-tax net operating income | $2,155,000 | 3,148 |
| Securities gains (losses) | $77,000 | 834 |
| Applicable income taxes | $563,000 | 3,361 |
| Income before extraordinary items | $1,669,000 | 2,977 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,669,000 | 2,978 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $978,000 | 717 |
| Cash dividends | $1,850,000 | 1,456 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,611,250 | 3,035 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $13,327,000 | 2,441 |
| Total interest expense | $6,878,000 | 2,201 |
| Net interest income | $6,449,000 | 2,659 |
| Provision for loan and lease losses | $850,000 | 1,122 |
| Total noninterest income | $552,000 | 4,649 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $372,000 | 3,338 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $180,000 | 5,229 |
| Total noninterest expense | $4,295,000 | 3,024 |
| Salaries and employee benefits | $2,100,000 | 3,183 |
| Premises and equipment expense | $503,000 | 3,678 |
| Additional noninterest expense | $1,692,000 | 2,466 |
| Pre-tax net operating income | $1,856,000 | 3,546 |
| Securities gains (losses) | $4,000 | 3,561 |
| Applicable income taxes | $487,000 | 3,911 |
| Income before extraordinary items | $1,373,000 | 3,502 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,373,000 | 3,503 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $944,000 | 792 |
| Cash dividends | $1,800,000 | 1,452 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,370,040 | 3,416 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $13,329,000 | 2,458 |
| Total interest expense | $6,550,000 | 2,288 |
| Net interest income | $6,779,000 | 2,563 |
| Provision for loan and lease losses | $1,212,000 | 843 |
| Total noninterest income | $678,000 | 4,062 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $431,000 | 3,027 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $247,000 | 4,393 |
| Total noninterest expense | $4,131,000 | 3,096 |
| Salaries and employee benefits | $1,967,000 | 3,354 |
| Premises and equipment expense | $477,000 | 3,870 |
| Additional noninterest expense | $1,687,000 | 2,444 |
| Pre-tax net operating income | $2,114,000 | 3,359 |
| Securities gains (losses) | $1,000 | 3,559 |
| Applicable income taxes | $556,000 | 3,901 |
| Income before extraordinary items | $1,559,000 | 3,252 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,559,000 | 3,252 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $944,000 | 836 |
| Cash dividends | $750,000 | 2,657 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,558,260 | 3,177 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $13,126,000 | 2,546 |
| Total interest expense | $6,207,000 | 2,476 |
| Net interest income | $6,919,000 | 2,550 |
| Provision for loan and lease losses | $802,000 | 1,202 |
| Total noninterest income | $715,000 | 4,053 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $449,000 | 3,015 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $266,000 | 4,378 |
| Total noninterest expense | $4,149,000 | 3,241 |
| Salaries and employee benefits | $2,012,000 | 3,320 |
| Premises and equipment expense | $507,000 | 3,738 |
| Additional noninterest expense | $1,630,000 | 2,919 |
| Pre-tax net operating income | $2,683,000 | 2,609 |
| Securities gains (losses) | $1,000 | 3,760 |
| Applicable income taxes | $748,000 | 3,020 |
| Income before extraordinary items | $1,936,000 | 2,526 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,936,000 | 2,528 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $719,000 | 1,092 |
| Cash dividends | $2,150,000 | 1,206 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,935,280 | 2,479 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $12,810,000 | 2,610 |
| Total interest expense | $6,341,000 | 2,430 |
| Net interest income | $6,469,000 | 2,757 |
| Provision for loan and lease losses | $522,000 | 1,516 |
| Total noninterest income | $730,000 | 3,954 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $393,000 | 3,419 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $337,000 | 3,715 |
| Total noninterest expense | $3,882,000 | 3,424 |
| Salaries and employee benefits | $2,043,000 | 3,252 |
| Premises and equipment expense | $795,000 | 2,492 |
| Additional noninterest expense | $1,044,000 | 4,200 |
| Pre-tax net operating income | $2,795,000 | 2,584 |
| Securities gains (losses) | $39,000 | 1,464 |
| Applicable income taxes | $760,000 | 3,005 |
| Income before extraordinary items | $2,074,000 | 2,421 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,074,000 | 2,420 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $418,000 | 1,552 |
| Cash dividends | $2,700,000 | 997 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,045,530 | 2,436 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $11,220,000 | 2,707 |
| Total interest expense | $4,335,000 | 2,828 |
| Net interest income | $6,885,000 | 2,619 |
| Provision for loan and lease losses | $642,000 | 1,277 |
| Total noninterest income | $705,000 | 4,106 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $399,000 | 3,383 |
| Trading account gains and fees | $5,000 | 409 |
| Additional Noninterest Income | $301,000 | 4,082 |
| Total noninterest expense | $3,872,000 | 3,528 |
| Salaries and employee benefits | $1,979,000 | 3,320 |
| Premises and equipment expense | $748,000 | 2,680 |
| Additional noninterest expense | $1,145,000 | 4,224 |
| Pre-tax net operating income | $3,076,000 | 2,306 |
| Securities gains (losses) | $-28,000 | 10,602 |
| Applicable income taxes | $786,000 | 2,820 |
| Income before extraordinary items | $2,262,000 | 2,165 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,262,000 | 2,163 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $285,000 | 1,974 |
| Cash dividends | $1,350,000 | 1,520 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,282,720 | 2,158 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $10,561,000 | 2,940 |
| Total interest expense | $3,932,000 | 3,215 |
| Net interest income | $6,629,000 | 2,721 |
| Provision for loan and lease losses | $410,000 | 2,419 |
| Total noninterest income | $626,000 | 4,818 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $345,000 | 3,933 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $281,000 | 4,644 |
| Total noninterest expense | $3,877,000 | 3,588 |
| Salaries and employee benefits | $1,961,000 | 3,351 |
| Premises and equipment expense | $750,000 | 2,706 |
| Additional noninterest expense | $1,166,000 | 4,299 |
| Pre-tax net operating income | $2,968,000 | 2,312 |
| Securities gains (losses) | $121,000 | 2,242 |
| Applicable income taxes | $793,000 | 2,778 |
| Income before extraordinary items | $2,296,000 | 2,180 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,296,000 | 2,265 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $208,000 | 3,065 |
| Cash dividends | $2,200,000 | 931 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,206,460 | 2,134 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $10,642,000 | 3,290 |
| Total interest expense | $4,798,000 | 3,435 |
| Net interest income | $5,844,000 | 3,140 |
| Provision for loan and lease losses | $571,000 | 2,720 |
| Total noninterest income | $1,009,000 | 3,294 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $347,000 | 3,946 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $662,000 | 2,641 |
| Total noninterest expense | $3,920,000 | 3,570 |
| Salaries and employee benefits | $2,038,000 | 3,167 |
| Premises and equipment expense | $712,000 | 2,876 |
| Additional noninterest expense | $1,170,000 | 4,441 |
| Pre-tax net operating income | $2,362,000 | 2,639 |
| Securities gains (losses) | $134,000 | 2,556 |
| Applicable income taxes | $575,000 | 3,545 |
| Income before extraordinary items | $1,921,000 | 2,380 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,921,000 | 2,424 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $491,000 | 2,494 |
| Cash dividends | $2,750,000 | 645 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,817,820 | 2,343 |
* 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.