Home > The First National Bank of West Point > Income and Expense
The First National Bank of West Point, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,278,000 | 4,876 |
| Total interest expense | $2,622,000 | 5,223 |
| Net interest income | $3,656,000 | 4,569 |
| Provision for loan and lease losses | $142,000 | 4,274 |
| Total noninterest income | $639,000 | 4,251 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $439,000 | 2,963 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $200,000 | 4,953 |
| Total noninterest expense | $2,591,000 | 4,649 |
| Salaries and employee benefits | $1,391,000 | 4,527 |
| Premises and equipment expense | $427,000 | 4,224 |
| Additional noninterest expense | $773,000 | 4,851 |
| Pre-tax net operating income | $1,562,000 | 4,336 |
| Securities gains (losses) | $6,000 | 2,665 |
| Applicable income taxes | $424,000 | 4,705 |
| Income before extraordinary items | $1,144,000 | 4,218 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,144,000 | 4,219 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,353 |
| Cash dividends | $950,000 | 2,289 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,139,620 | 4,184 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,502,000 | 5,521 |
| Total interest expense | $2,159,000 | 6,106 |
| Net interest income | $3,343,000 | 5,020 |
| Provision for loan and lease losses | $147,000 | 4,139 |
| Total noninterest income | $623,000 | 4,460 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $428,000 | 3,139 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $195,000 | 5,239 |
| Total noninterest expense | $2,306,000 | 5,328 |
| Salaries and employee benefits | $1,323,000 | 4,789 |
| Premises and equipment expense | $357,000 | 4,955 |
| Additional noninterest expense | $626,000 | 6,192 |
| Pre-tax net operating income | $1,513,000 | 4,307 |
| Securities gains (losses) | $8,000 | 2,673 |
| Applicable income taxes | $368,000 | 5,153 |
| Income before extraordinary items | $1,153,000 | 4,003 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,153,000 | 4,004 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $203,000 | 2,647 |
| Cash dividends | $1,183,000 | 1,915 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,146,920 | 3,964 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,062,000 | 5,937 |
| Total interest expense | $1,922,000 | 6,642 |
| Net interest income | $3,140,000 | 5,301 |
| Provision for loan and lease losses | $36,000 | 6,768 |
| Total noninterest income | $501,000 | 5,176 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $361,000 | 3,671 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $140,000 | 6,186 |
| Total noninterest expense | $2,262,000 | 5,430 |
| Salaries and employee benefits | $1,223,000 | 5,126 |
| Premises and equipment expense | $355,000 | 4,974 |
| Additional noninterest expense | $684,000 | 5,969 |
| Pre-tax net operating income | $1,343,000 | 4,839 |
| Securities gains (losses) | $46,000 | 1,362 |
| Applicable income taxes | $308,000 | 5,904 |
| Income before extraordinary items | $1,081,000 | 4,310 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,081,000 | 4,307 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 4,707 |
| Cash dividends | $1,193,000 | 1,795 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,045,120 | 4,413 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,670,000 | 5,981 |
| Total interest expense | $1,520,000 | 6,836 |
| Net interest income | $3,150,000 | 5,394 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $480,000 | 5,449 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $406,000 | 3,337 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $74,000 | 8,491 |
| Total noninterest expense | $2,152,000 | 5,857 |
| Salaries and employee benefits | $1,170,000 | 5,365 |
| Premises and equipment expense | $322,000 | 5,409 |
| Additional noninterest expense | $660,000 | 6,610 |
| Pre-tax net operating income | $1,478,000 | 4,467 |
| Securities gains (losses) | $21,000 | 1,738 |
| Applicable income taxes | $334,000 | 5,466 |
| Income before extraordinary items | $1,165,000 | 3,966 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,165,000 | 3,970 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 5,399 |
| Cash dividends | $1,054,000 | 1,806 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,148,620 | 4,063 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,663,000 | 6,127 |
| Total interest expense | $1,505,000 | 7,187 |
| Net interest income | $3,158,000 | 5,431 |
| Provision for loan and lease losses | $80,000 | 6,310 |
| Total noninterest income | $479,000 | 5,764 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $407,000 | 3,383 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $72,000 | 8,988 |
| Total noninterest expense | $1,945,000 | 6,484 |
| Salaries and employee benefits | $1,087,000 | 5,708 |
| Premises and equipment expense | $259,000 | 6,527 |
| Additional noninterest expense | $599,000 | 7,344 |
| Pre-tax net operating income | $1,612,000 | 4,062 |
| Securities gains (losses) | $72,000 | 2,926 |
| Applicable income taxes | $414,000 | 4,887 |
| Income before extraordinary items | $1,270,000 | 3,802 |
| Extraordinary gains, net | $-17,000 | 12,417 |
| Net income | $1,253,000 | 3,954 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 11,729 |
| Cash dividends | $1,176,000 | 1,550 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,216,000 | 3,761 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,680,000 | 6,698 |
| Total interest expense | $1,711,000 | 7,861 |
| Net interest income | $2,969,000 | 5,773 |
| Provision for loan and lease losses | $400,000 | 3,453 |
| Total noninterest income | $419,000 | 6,363 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $337,000 | 4,055 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $82,000 | 8,755 |
| Total noninterest expense | $1,727,000 | 7,192 |
| Salaries and employee benefits | $993,000 | 6,069 |
| Premises and equipment expense | $197,000 | 7,902 |
| Additional noninterest expense | $537,000 | 8,122 |
| Pre-tax net operating income | $1,261,000 | 4,723 |
| Securities gains (losses) | $64,000 | 3,722 |
| Applicable income taxes | $302,000 | 5,895 |
| Income before extraordinary items | $1,023,000 | 4,398 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,023,000 | 4,443 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $243,000 | 3,779 |
| Cash dividends | $648,000 | 2,276 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $973,720 | 4,287 |
* 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.