Home > The First National Bank of West Point > Income and Expense
The First National Bank of West Point, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,986,000 | 4,958 |
| Total interest expense | $3,065,000 | 4,521 |
| Net interest income | $2,921,000 | 5,263 |
| Provision for loan and lease losses | $157,000 | 4,154 |
| Total noninterest income | $450,000 | 5,277 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $155,000 | 5,763 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $295,000 | 4,055 |
| Total noninterest expense | $1,722,000 | 6,246 |
| Salaries and employee benefits | $967,000 | 6,012 |
| Premises and equipment expense | $159,000 | 7,518 |
| Additional noninterest expense | $596,000 | 5,845 |
| Pre-tax net operating income | $1,483,000 | 4,126 |
| Securities gains (losses) | $9,000 | 1,806 |
| Applicable income taxes | $530,000 | 3,503 |
| Income before extraordinary items | $962,000 | 4,540 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $962,000 | 4,541 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $160,000 | 2,747 |
| Cash dividends | $300,000 | 4,494 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $956,240 | 4,522 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,616,000 | 5,226 |
| Total interest expense | $3,071,000 | 4,634 |
| Net interest income | $2,545,000 | 5,780 |
| Provision for loan and lease losses | $182,000 | 3,709 |
| Total noninterest income | $409,000 | 5,541 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $132,000 | 6,235 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $277,000 | 4,193 |
| Total noninterest expense | $1,548,000 | 6,554 |
| Salaries and employee benefits | $920,000 | 6,114 |
| Premises and equipment expense | $146,000 | 7,743 |
| Additional noninterest expense | $482,000 | 6,561 |
| Pre-tax net operating income | $1,224,000 | 4,821 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $432,000 | 4,223 |
| Income before extraordinary items | $792,000 | 5,219 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $792,000 | 5,219 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 4,589 |
| Cash dividends | $700,000 | 2,837 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $792,000 | 5,127 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,359,000 | 5,515 |
| Total interest expense | $2,860,000 | 4,916 |
| Net interest income | $2,499,000 | 6,057 |
| Provision for loan and lease losses | $169,000 | 3,884 |
| Total noninterest income | $368,000 | 6,009 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $129,000 | 6,577 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $239,000 | 4,496 |
| Total noninterest expense | $1,508,000 | 6,766 |
| Salaries and employee benefits | $901,000 | 6,282 |
| Premises and equipment expense | $138,000 | 8,064 |
| Additional noninterest expense | $469,000 | 6,765 |
| Pre-tax net operating income | $1,190,000 | 5,273 |
| Securities gains (losses) | $-5,000 | 9,661 |
| Applicable income taxes | $404,000 | 4,858 |
| Income before extraordinary items | $781,000 | 5,535 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $781,000 | 5,537 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,643 |
| Cash dividends | $800,000 | 2,545 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $784,300 | 5,475 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,718,000 | 6,185 |
| Total interest expense | $2,488,000 | 5,538 |
| Net interest income | $2,230,000 | 6,706 |
| Provision for loan and lease losses | $28,000 | 7,549 |
| Total noninterest income | $326,000 | 6,651 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $129,000 | 6,881 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $197,000 | 5,206 |
| Total noninterest expense | $1,310,000 | 7,631 |
| Salaries and employee benefits | $750,000 | 7,249 |
| Premises and equipment expense | $133,000 | 8,447 |
| Additional noninterest expense | $427,000 | 7,658 |
| Pre-tax net operating income | $1,218,000 | 5,074 |
| Securities gains (losses) | $2,000 | 3,501 |
| Applicable income taxes | $418,000 | 4,754 |
| Income before extraordinary items | $802,000 | 5,300 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $802,000 | 5,301 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 5,513 |
| Cash dividends | $675,000 | 2,818 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $800,680 | 5,244 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,437,000 | 6,527 |
| Total interest expense | $2,476,000 | 5,617 |
| Net interest income | $1,961,000 | 7,396 |
| Provision for loan and lease losses | $24,000 | 7,406 |
| Total noninterest income | $247,000 | 7,741 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $122,000 | 7,271 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $125,000 | 6,525 |
| Total noninterest expense | $1,247,000 | 8,057 |
| Salaries and employee benefits | $691,000 | 7,770 |
| Premises and equipment expense | $129,000 | 8,826 |
| Additional noninterest expense | $427,000 | 7,930 |
| Pre-tax net operating income | $937,000 | 6,255 |
| Securities gains (losses) | $-3,000 | 9,402 |
| Applicable income taxes | $309,000 | 5,889 |
| Income before extraordinary items | $625,000 | 6,458 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $625,000 | 6,456 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 10,150 |
| Cash dividends | $600,000 | 2,907 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $627,010 | 6,435 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,908,000 | 6,819 |
| Total interest expense | $1,859,000 | 5,931 |
| Net interest income | $2,049,000 | 7,451 |
| Provision for loan and lease losses | $12,000 | 8,270 |
| Total noninterest income | $228,000 | 8,274 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $115,000 | 7,712 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $113,000 | 7,127 |
| Total noninterest expense | $1,203,000 | 8,590 |
| Salaries and employee benefits | $645,000 | 8,307 |
| Premises and equipment expense | $110,000 | 9,702 |
| Additional noninterest expense | $448,000 | 8,335 |
| Pre-tax net operating income | $1,062,000 | 5,713 |
| Securities gains (losses) | $12,000 | 2,095 |
| Applicable income taxes | $356,000 | 5,207 |
| Income before extraordinary items | $718,000 | 5,806 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $718,000 | 5,821 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 11,157 |
| Cash dividends | $700,000 | 2,518 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $709,960 | 5,917 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,007,000 | 6,869 |
| Total interest expense | $1,985,000 | 5,868 |
| Net interest income | $2,022,000 | 7,605 |
| Provision for loan and lease losses | $24,000 | 8,778 |
| Total noninterest income | $171,000 | 9,796 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $100,000 | 8,366 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $71,000 | 9,036 |
| Total noninterest expense | $1,120,000 | 9,249 |
| Salaries and employee benefits | $596,000 | 8,831 |
| Premises and equipment expense | $79,000 | 11,181 |
| Additional noninterest expense | $445,000 | 8,780 |
| Pre-tax net operating income | $1,049,000 | 5,697 |
| Securities gains (losses) | $5,000 | 6,132 |
| Applicable income taxes | $337,000 | 5,647 |
| Income before extraordinary items | $717,000 | 6,010 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $717,000 | 6,170 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 6,716 |
| Cash dividends | $700,000 | 2,369 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $713,600 | 5,761 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,526,000 | 6,870 |
| Total interest expense | $2,373,000 | 6,245 |
| Net interest income | $2,153,000 | 7,365 |
| Provision for loan and lease losses | $20,000 | 10,574 |
| Total noninterest income | $134,000 | 10,833 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $74,000 | 9,405 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $60,000 | 9,797 |
| Total noninterest expense | $1,072,000 | 9,654 |
| Salaries and employee benefits | $548,000 | 9,291 |
| Premises and equipment expense | $103,000 | 10,619 |
| Additional noninterest expense | $421,000 | 9,322 |
| Pre-tax net operating income | $1,195,000 | 4,927 |
| Securities gains (losses) | $457,000 | 1,158 |
| Applicable income taxes | $527,000 | 3,823 |
| Income before extraordinary items | $1,125,000 | 4,043 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,125,000 | 4,089 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 9,354 |
| Cash dividends | $1,100,000 | 1,422 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $814,240 | 4,986 |
* 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.