Home > The Bank of Winter Park > Income and Expense
The Bank of Winter Park, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,097,000 | 4,526 |
| Total interest expense | $2,896,000 | 4,940 |
| Net interest income | $4,201,000 | 4,141 |
| Provision for loan and lease losses | $280,000 | 2,725 |
| Total noninterest income | $2,203,000 | 1,699 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $440,000 | 3,071 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,763,000 | 1,260 |
| Total noninterest expense | $4,918,000 | 2,777 |
| Salaries and employee benefits | $2,616,000 | 2,552 |
| Premises and equipment expense | $799,000 | 2,456 |
| Additional noninterest expense | $1,503,000 | 3,111 |
| Pre-tax net operating income | $1,206,000 | 5,106 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $421,000 | 4,725 |
| Income before extraordinary items | $785,000 | 5,377 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $785,000 | 5,380 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 6,379 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $16,000 | 837 |
| Net operating income | $785,000 | 5,316 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,753,000 | 5,393 |
| Total interest expense | $2,193,000 | 6,094 |
| Net interest income | $3,560,000 | 4,792 |
| Provision for loan and lease losses | $252,000 | 2,539 |
| Total noninterest income | $493,000 | 5,242 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $376,000 | 3,553 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $117,000 | 6,722 |
| Total noninterest expense | $3,269,000 | 3,982 |
| Salaries and employee benefits | $1,669,000 | 3,888 |
| Premises and equipment expense | $562,000 | 3,397 |
| Additional noninterest expense | $1,038,000 | 4,220 |
| Pre-tax net operating income | $532,000 | 8,266 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $221,000 | 7,081 |
| Income before extraordinary items | $311,000 | 8,824 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $311,000 | 8,828 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 7,103 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $11,000 | 760 |
| Net operating income | $311,000 | 8,782 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,960,000 | 6,751 |
| Total interest expense | $1,251,000 | 7,714 |
| Net interest income | $2,709,000 | 6,085 |
| Provision for loan and lease losses | $204,000 | 2,977 |
| Total noninterest income | $338,000 | 6,803 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $297,000 | 4,388 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $41,000 | 10,081 |
| Total noninterest expense | $2,186,000 | 5,780 |
| Salaries and employee benefits | $920,000 | 6,512 |
| Premises and equipment expense | $480,000 | 3,931 |
| Additional noninterest expense | $786,000 | 5,775 |
| Pre-tax net operating income | $657,000 | 7,663 |
| Securities gains (losses) | $37,000 | 1,338 |
| Applicable income taxes | $240,000 | 6,686 |
| Income before extraordinary items | $454,000 | 7,665 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $454,000 | 7,676 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 5,032 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $429,950 | 7,950 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,685,000 | 7,286 |
| Total interest expense | $1,355,000 | 7,692 |
| Net interest income | $2,330,000 | 6,871 |
| Provision for loan and lease losses | $310,000 | 2,913 |
| Total noninterest income | $260,000 | 8,218 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $229,000 | 5,437 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $31,000 | 11,240 |
| Total noninterest expense | $2,133,000 | 6,022 |
| Salaries and employee benefits | $850,000 | 7,012 |
| Premises and equipment expense | $418,000 | 4,549 |
| Additional noninterest expense | $865,000 | 5,553 |
| Pre-tax net operating income | $147,000 | 11,497 |
| Securities gains (losses) | $4,000 | 6,316 |
| Applicable income taxes | $73,000 | 10,384 |
| Income before extraordinary items | $78,000 | 12,030 |
| Extraordinary gains, net | $166,000 | 1,157 |
| Net income | $244,000 | 10,261 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $345,000 | 2,262 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $75,440 | 11,880 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,957,000 | 9,069 |
| Total interest expense | $1,266,000 | 9,380 |
| Net interest income | $1,691,000 | 8,679 |
| Provision for loan and lease losses | $399,000 | 3,485 |
| Total noninterest income | $167,000 | 10,114 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $143,000 | 7,298 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $24,000 | 12,236 |
| Total noninterest expense | $1,548,000 | 7,743 |
| Salaries and employee benefits | $664,000 | 8,268 |
| Premises and equipment expense | $259,000 | 6,615 |
| Additional noninterest expense | $625,000 | 7,301 |
| Pre-tax net operating income | $-89,000 | 12,923 |
| Securities gains (losses) | $17,000 | 5,804 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-72,000 | 13,024 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-72,000 | 13,016 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $249,000 | 3,729 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-89,000 | 12,892 |
* 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.