Home > The First State Bank of West Manchester > Income and Expense
The First State Bank of West Manchester, Income and Expense
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $839,000 | 8,730 |
| Total interest expense | $360,000 | 8,245 |
| Net interest income | $479,000 | 8,828 |
| Provision for loan and lease losses | $125,000 | 4,861 |
| Total noninterest income | $83,000 | 8,474 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $77,000 | 6,951 |
| Trading account gains and fees | $3,000 | 156 |
| Additional Noninterest Income | $3,000 | 8,956 |
| Total noninterest expense | $754,000 | 8,350 |
| Salaries and employee benefits | $285,000 | 8,803 |
| Premises and equipment expense | $43,000 | 8,865 |
| Additional noninterest expense | $426,000 | 6,999 |
| Pre-tax net operating income | $-317,000 | 8,749 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $-8,000 | 8,754 |
| Income before extraordinary items | $-309,000 | 8,824 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-309,000 | 8,826 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $107,000 | 3,940 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-309,000 | 8,761 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $638,000 | 8,796 |
| Total interest expense | $287,000 | 8,296 |
| Net interest income | $351,000 | 8,912 |
| Provision for loan and lease losses | $110,000 | 4,499 |
| Total noninterest income | $65,000 | 8,507 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $60,000 | 6,953 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $5,000 | 8,924 |
| Total noninterest expense | $545,000 | 8,408 |
| Salaries and employee benefits | $226,000 | 8,781 |
| Premises and equipment expense | $31,000 | 8,911 |
| Additional noninterest expense | $288,000 | 7,249 |
| Pre-tax net operating income | $-239,000 | 8,842 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $-8,000 | 8,904 |
| Income before extraordinary items | $-231,000 | 8,917 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-231,000 | 8,918 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 3,548 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-231,000 | 8,852 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $442,000 | 8,813 |
| Total interest expense | $206,000 | 8,293 |
| Net interest income | $236,000 | 8,944 |
| Provision for loan and lease losses | $77,000 | 4,362 |
| Total noninterest income | $44,000 | 8,498 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $41,000 | 6,904 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $3,000 | 8,960 |
| Total noninterest expense | $342,000 | 8,525 |
| Salaries and employee benefits | $151,000 | 8,802 |
| Premises and equipment expense | $19,000 | 8,962 |
| Additional noninterest expense | $172,000 | 7,493 |
| Pre-tax net operating income | $-139,000 | 8,869 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $-139,000 | 8,952 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-139,000 | 8,952 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 3,999 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-139,000 | 8,873 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $217,000 | 8,883 |
| Total interest expense | $111,000 | 8,292 |
| Net interest income | $106,000 | 9,046 |
| Provision for loan and lease losses | $35,000 | 4,303 |
| Total noninterest income | $23,000 | 8,464 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $21,000 | 6,829 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,000 | 8,884 |
| Total noninterest expense | $142,000 | 8,800 |
| Salaries and employee benefits | $74,000 | 8,864 |
| Premises and equipment expense | $10,000 | 8,968 |
| Additional noninterest expense | $58,000 | 8,275 |
| Pre-tax net operating income | $-48,000 | 8,886 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $-8,000 | 9,057 |
| Income before extraordinary items | $-40,000 | 8,931 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-40,000 | 8,928 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 3,284 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-40,000 | 8,842 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,001,000 | 8,856 |
| Total interest expense | $496,000 | 8,388 |
| Net interest income | $505,000 | 8,994 |
| Provision for loan and lease losses | $112,000 | 5,527 |
| Total noninterest income | $56,000 | 8,914 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $51,000 | 7,508 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $5,000 | 9,073 |
| Total noninterest expense | $579,000 | 8,817 |
| Salaries and employee benefits | $289,000 | 8,932 |
| Premises and equipment expense | $40,000 | 9,054 |
| Additional noninterest expense | $250,000 | 8,173 |
| Pre-tax net operating income | $-130,000 | 8,787 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $-28,000 | 8,938 |
| Income before extraordinary items | $-102,000 | 8,839 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-102,000 | 8,838 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 4,712 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-102,000 | 8,778 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,088,000 | 9,087 |
| Total interest expense | $525,000 | 8,973 |
| Net interest income | $563,000 | 9,101 |
| Provision for loan and lease losses | $104,000 | 5,529 |
| Total noninterest income | $47,000 | 9,191 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $25,000 | 8,061 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $22,000 | 8,652 |
| Total noninterest expense | $499,000 | 9,183 |
| Salaries and employee benefits | $283,000 | 9,127 |
| Premises and equipment expense | $42,000 | 9,264 |
| Additional noninterest expense | $174,000 | 8,870 |
| Pre-tax net operating income | $7,000 | 8,689 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-5,000 | 8,966 |
| Income before extraordinary items | $12,000 | 8,768 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $12,000 | 8,767 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 4,304 |
| Cash dividends | $20,000 | 6,427 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $12,000 | 8,681 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,097,000 | 9,325 |
| Total interest expense | $494,000 | 9,258 |
| Net interest income | $603,000 | 9,291 |
| Provision for loan and lease losses | $43,000 | 6,774 |
| Total noninterest income | $30,000 | 9,583 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $26,000 | 8,160 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,000 | 9,680 |
| Total noninterest expense | $482,000 | 9,433 |
| Salaries and employee benefits | $273,000 | 9,375 |
| Premises and equipment expense | $46,000 | 9,436 |
| Additional noninterest expense | $163,000 | 9,133 |
| Pre-tax net operating income | $108,000 | 8,773 |
| Securities gains (losses) | $-13,000 | 8,489 |
| Applicable income taxes | $8,000 | 8,119 |
| Income before extraordinary items | $87,000 | 8,787 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $87,000 | 8,787 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,272 |
| Cash dividends | $20,000 | 6,667 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $98,960 | 8,707 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,003,000 | 9,613 |
| Total interest expense | $458,000 | 9,531 |
| Net interest income | $545,000 | 9,613 |
| Provision for loan and lease losses | $15,000 | 7,855 |
| Total noninterest income | $32,000 | 9,833 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $27,000 | 8,351 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $5,000 | 9,956 |
| Total noninterest expense | $464,000 | 9,729 |
| Salaries and employee benefits | $259,000 | 9,682 |
| Premises and equipment expense | $46,000 | 9,708 |
| Additional noninterest expense | $159,000 | 9,438 |
| Pre-tax net operating income | $98,000 | 9,082 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $12,000 | 8,432 |
| Income before extraordinary items | $86,000 | 9,059 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $86,000 | 9,057 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 6,647 |
| Cash dividends | $20,000 | 6,929 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $86,000 | 9,028 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $981,000 | 9,871 |
| Total interest expense | $462,000 | 9,778 |
| Net interest income | $519,000 | 9,883 |
| Provision for loan and lease losses | $9,000 | 8,310 |
| Total noninterest income | $27,000 | 10,129 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $23,000 | 8,653 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,000 | 10,240 |
| Total noninterest expense | $445,000 | 9,936 |
| Salaries and employee benefits | $252,000 | 9,869 |
| Premises and equipment expense | $43,000 | 9,960 |
| Additional noninterest expense | $150,000 | 9,656 |
| Pre-tax net operating income | $92,000 | 9,446 |
| Securities gains (losses) | $12,000 | 2,822 |
| Applicable income taxes | $9,000 | 9,103 |
| Income before extraordinary items | $95,000 | 9,373 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $95,000 | 9,374 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,100 |
| Cash dividends | $17,000 | 7,297 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $84,080 | 9,378 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $980,000 | 10,317 |
| Total interest expense | $462,000 | 10,192 |
| Net interest income | $518,000 | 10,343 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $24,000 | 10,654 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $20,000 | 9,132 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,000 | 10,710 |
| Total noninterest expense | $439,000 | 10,367 |
| Salaries and employee benefits | $242,000 | 10,319 |
| Premises and equipment expense | $43,000 | 10,363 |
| Additional noninterest expense | $154,000 | 9,946 |
| Pre-tax net operating income | $103,000 | 10,054 |
| Securities gains (losses) | $1,000 | 3,559 |
| Applicable income taxes | $9,000 | 9,906 |
| Income before extraordinary items | $95,000 | 9,992 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $95,000 | 9,993 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 9,725 |
| Cash dividends | $15,000 | 7,671 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $94,090 | 9,956 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $960,000 | 10,875 |
| Total interest expense | $507,000 | 10,579 |
| Net interest income | $453,000 | 10,983 |
| Provision for loan and lease losses | $3,000 | 8,923 |
| Total noninterest income | $18,000 | 11,252 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $15,000 | 9,673 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,000 | 11,282 |
| Total noninterest expense | $417,000 | 10,913 |
| Salaries and employee benefits | $238,000 | 10,789 |
| Premises and equipment expense | $40,000 | 10,910 |
| Additional noninterest expense | $139,000 | 10,687 |
| Pre-tax net operating income | $51,000 | 10,591 |
| Securities gains (losses) | $3,000 | 3,304 |
| Applicable income taxes | $3,000 | 10,490 |
| Income before extraordinary items | $51,000 | 10,575 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $51,000 | 10,573 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,797 |
| Cash dividends | $15,000 | 8,125 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $48,180 | 10,540 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $960,000 | 11,351 |
| Total interest expense | $475,000 | 11,110 |
| Net interest income | $485,000 | 11,434 |
| Provision for loan and lease losses | $9,000 | 8,431 |
| Total noninterest income | $21,000 | 11,769 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $19,000 | 10,031 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,000 | 11,869 |
| Total noninterest expense | $406,000 | 11,412 |
| Salaries and employee benefits | $217,000 | 11,387 |
| Premises and equipment expense | $21,000 | 11,788 |
| Additional noninterest expense | $168,000 | 10,834 |
| Pre-tax net operating income | $91,000 | 11,136 |
| Securities gains (losses) | $-32,000 | 10,879 |
| Applicable income taxes | $4,000 | 11,033 |
| Income before extraordinary items | $55,000 | 11,262 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $55,000 | 11,261 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,801 |
| Cash dividends | $23,000 | 8,339 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $84,760 | 11,037 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,225,000 | 11,298 |
| Total interest expense | $662,000 | 10,296 |
| Net interest income | $563,000 | 11,826 |
| Provision for loan and lease losses | $38,000 | 6,695 |
| Total noninterest income | $18,000 | 12,402 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $15,000 | 10,642 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,000 | 12,453 |
| Total noninterest expense | $460,000 | 11,798 |
| Salaries and employee benefits | $234,000 | 11,802 |
| Premises and equipment expense | $14,000 | 12,500 |
| Additional noninterest expense | $212,000 | 10,993 |
| Pre-tax net operating income | $83,000 | 11,733 |
| Securities gains (losses) | $20,000 | 1,779 |
| Applicable income taxes | $8,000 | 11,420 |
| Income before extraordinary items | $95,000 | 11,429 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $95,000 | 11,434 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 5,828 |
| Cash dividends | $12,000 | 8,724 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $76,600 | 11,653 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,281,000 | 11,728 |
| Total interest expense | $860,000 | 9,742 |
| Net interest income | $421,000 | 12,758 |
| Provision for loan and lease losses | $63,000 | 6,860 |
| Total noninterest income | $10,000 | 13,170 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $6,000 | 11,259 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,000 | 13,083 |
| Total noninterest expense | $379,000 | 12,727 |
| Salaries and employee benefits | $229,000 | 12,384 |
| Premises and equipment expense | $19,000 | 13,098 |
| Additional noninterest expense | $131,000 | 12,644 |
| Pre-tax net operating income | $-11,000 | 12,471 |
| Securities gains (losses) | $29,000 | 4,143 |
| Applicable income taxes | $-5,000 | 12,754 |
| Income before extraordinary items | $23,000 | 12,410 |
| Extraordinary gains, net | $-6,000 | 12,248 |
| Net income | $17,000 | 12,460 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 5,762 |
| Cash dividends | $25,000 | 8,549 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-6,000 | 12,417 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $943,000 | 13,120 |
| Total interest expense | $547,000 | 12,542 |
| Net interest income | $396,000 | 13,398 |
| Provision for loan and lease losses | $26,000 | 10,195 |
| Total noninterest income | $22,000 | 13,657 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $13,000 | 11,537 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $9,000 | 13,414 |
| Total noninterest expense | $345,000 | 13,415 |
| Salaries and employee benefits | $221,000 | 12,920 |
| Premises and equipment expense | $15,000 | 13,772 |
| Additional noninterest expense | $109,000 | 13,443 |
| Pre-tax net operating income | $47,000 | 12,432 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $47,000 | 12,582 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $47,000 | 12,591 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 8,726 |
| Cash dividends | $25,000 | 8,340 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $47,000 | 12,322 |
* 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.