Home > The National Bank of West Virginia > Income and Expense
The National Bank of West Virginia, Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,871,000 | 6,107 |
| Total interest expense | $2,394,000 | 5,749 |
| Net interest income | $2,477,000 | 6,361 |
| Provision for loan and lease losses | $123,000 | 4,053 |
| Total noninterest income | $328,000 | 6,747 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $199,000 | 5,705 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $129,000 | 6,436 |
| Total noninterest expense | $2,106,000 | 5,762 |
| Salaries and employee benefits | $1,072,000 | 5,718 |
| Premises and equipment expense | $408,000 | 4,468 |
| Additional noninterest expense | $626,000 | 6,356 |
| Pre-tax net operating income | $576,000 | 8,018 |
| Securities gains (losses) | $-28,000 | 10,792 |
| Applicable income taxes | $145,000 | 8,346 |
| Income before extraordinary items | $403,000 | 8,042 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $403,000 | 8,039 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 3,821 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $423,720 | 7,821 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,926,000 | 6,800 |
| Total interest expense | $1,828,000 | 5,992 |
| Net interest income | $2,098,000 | 7,330 |
| Provision for loan and lease losses | $62,000 | 5,552 |
| Total noninterest income | $223,000 | 8,336 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $153,000 | 6,817 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $70,000 | 8,653 |
| Total noninterest expense | $1,967,000 | 6,286 |
| Salaries and employee benefits | $940,000 | 6,416 |
| Premises and equipment expense | $358,000 | 5,012 |
| Additional noninterest expense | $669,000 | 6,546 |
| Pre-tax net operating income | $292,000 | 10,194 |
| Securities gains (losses) | $-6,000 | 9,509 |
| Applicable income taxes | $50,000 | 10,470 |
| Income before extraordinary items | $236,000 | 9,849 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $236,000 | 9,861 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $294,000 | 1,928 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $240,980 | 9,878 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,531,000 | 7,494 |
| Total interest expense | $1,786,000 | 6,365 |
| Net interest income | $1,745,000 | 8,385 |
| Provision for loan and lease losses | $556,000 | 1,950 |
| Total noninterest income | $182,000 | 9,559 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $159,000 | 6,850 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $23,000 | 11,812 |
| Total noninterest expense | $1,446,000 | 8,020 |
| Salaries and employee benefits | $640,000 | 8,474 |
| Premises and equipment expense | $294,000 | 5,963 |
| Additional noninterest expense | $512,000 | 8,095 |
| Pre-tax net operating income | $-75,000 | 12,564 |
| Securities gains (losses) | $66,000 | 3,051 |
| Applicable income taxes | $-36,000 | 12,862 |
| Income before extraordinary items | $27,000 | 12,390 |
| Extraordinary gains, net | $150,000 | 1,230 |
| Net income | $177,000 | 11,005 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $197,000 | 3,170 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-15,240 | 12,440 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,619,000 | 9,684 |
| Total interest expense | $1,393,000 | 8,880 |
| Net interest income | $1,226,000 | 10,230 |
| Provision for loan and lease losses | $214,000 | 5,055 |
| Total noninterest income | $119,000 | 11,221 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $90,000 | 8,836 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $29,000 | 11,840 |
| Total noninterest expense | $1,139,000 | 9,329 |
| Salaries and employee benefits | $511,000 | 9,674 |
| Premises and equipment expense | $247,000 | 6,841 |
| Additional noninterest expense | $381,000 | 9,802 |
| Pre-tax net operating income | $-8,000 | 12,760 |
| Securities gains (losses) | $33,000 | 4,829 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $25,000 | 12,742 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $25,000 | 12,739 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 7,638 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-8,000 | 12,705 |
* 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.