Home > The First National Bank of Westville > Income and Expense
The First National Bank of Westville, Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,389,000 | 10,700 |
| Total interest expense | $664,000 | 10,432 |
| Net interest income | $725,000 | 10,768 |
| Provision for loan and lease losses | $-53,000 | 11,608 |
| Total noninterest income | $84,000 | 10,651 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $61,000 | 8,893 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $23,000 | 10,706 |
| Total noninterest expense | $674,000 | 10,283 |
| Salaries and employee benefits | $265,000 | 11,045 |
| Premises and equipment expense | $91,000 | 9,885 |
| Additional noninterest expense | $318,000 | 9,059 |
| Pre-tax net operating income | $188,000 | 10,534 |
| Securities gains (losses) | $29,000 | 1,653 |
| Applicable income taxes | $14,000 | 10,859 |
| Income before extraordinary items | $203,000 | 9,892 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $203,000 | 9,897 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 8,036 |
| Cash dividends | $313,000 | 4,419 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $175,740 | 10,180 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,521,000 | 10,703 |
| Total interest expense | $574,000 | 10,724 |
| Net interest income | $947,000 | 10,567 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $87,000 | 11,062 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $61,000 | 9,316 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $26,000 | 11,043 |
| Total noninterest expense | $736,000 | 10,536 |
| Salaries and employee benefits | $313,000 | 11,084 |
| Premises and equipment expense | $118,000 | 9,449 |
| Additional noninterest expense | $305,000 | 9,905 |
| Pre-tax net operating income | $298,000 | 10,152 |
| Securities gains (losses) | $-57,000 | 11,138 |
| Applicable income taxes | $9,000 | 11,400 |
| Income before extraordinary items | $232,000 | 9,896 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $232,000 | 9,909 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 7,184 |
| Cash dividends | $130,000 | 6,382 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $286,720 | 9,350 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,767,000 | 10,666 |
| Total interest expense | $649,000 | 10,877 |
| Net interest income | $1,118,000 | 10,339 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $116,000 | 10,933 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $75,000 | 9,178 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $41,000 | 10,614 |
| Total noninterest expense | $798,000 | 10,679 |
| Salaries and employee benefits | $339,000 | 11,265 |
| Premises and equipment expense | $110,000 | 10,124 |
| Additional noninterest expense | $349,000 | 9,849 |
| Pre-tax net operating income | $436,000 | 9,127 |
| Securities gains (losses) | $42,000 | 3,661 |
| Applicable income taxes | $97,000 | 9,810 |
| Income before extraordinary items | $381,000 | 8,628 |
| Extraordinary gains, net | $57,000 | 2,070 |
| Net income | $438,000 | 8,239 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 9,554 |
| Cash dividends | $424,000 | 3,510 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $347,400 | 8,706 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,977,000 | 10,938 |
| Total interest expense | $843,000 | 11,128 |
| Net interest income | $1,134,000 | 10,579 |
| Provision for loan and lease losses | $76,000 | 8,040 |
| Total noninterest income | $142,000 | 10,654 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $82,000 | 9,107 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $60,000 | 9,797 |
| Total noninterest expense | $836,000 | 10,824 |
| Salaries and employee benefits | $394,000 | 10,934 |
| Premises and equipment expense | $104,000 | 10,590 |
| Additional noninterest expense | $338,000 | 10,340 |
| Pre-tax net operating income | $364,000 | 9,545 |
| Securities gains (losses) | $71,000 | 3,566 |
| Applicable income taxes | $74,000 | 10,606 |
| Income before extraordinary items | $361,000 | 8,606 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $361,000 | 8,731 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 8,508 |
| Cash dividends | $348,000 | 3,680 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $302,070 | 8,916 |
* 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.