Home > The New Waterford Bank > Income and Expense
The New Waterford Bank, Income and Expense
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,776,000 | 6,010 |
| Total interest expense | $2,274,000 | 5,226 |
| Net interest income | $2,502,000 | 6,541 |
| Provision for loan and lease losses | $297,000 | 3,058 |
| Total noninterest income | $389,000 | 6,606 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $99,000 | 8,412 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $290,000 | 4,566 |
| Total noninterest expense | $2,395,000 | 5,462 |
| Salaries and employee benefits | $1,099,000 | 5,649 |
| Premises and equipment expense | $297,000 | 5,898 |
| Additional noninterest expense | $999,000 | 4,929 |
| Pre-tax net operating income | $199,000 | 11,048 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $16,000 | 11,688 |
| Income before extraordinary items | $183,000 | 10,830 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $183,000 | 10,933 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 4,984 |
| Cash dividends | $78,000 | 7,356 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $183,000 | 10,617 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,655,000 | 5,768 |
| Total interest expense | $3,087,000 | 5,036 |
| Net interest income | $2,568,000 | 6,465 |
| Provision for loan and lease losses | $1,130,000 | 1,701 |
| Total noninterest income | $349,000 | 7,131 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $87,000 | 8,930 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $262,000 | 4,818 |
| Total noninterest expense | $2,632,000 | 5,072 |
| Salaries and employee benefits | $1,339,000 | 4,695 |
| Premises and equipment expense | $333,000 | 5,565 |
| Additional noninterest expense | $960,000 | 5,224 |
| Pre-tax net operating income | $-845,000 | 13,441 |
| Securities gains (losses) | $241,000 | 1,770 |
| Applicable income taxes | $-155,000 | 13,620 |
| Income before extraordinary items | $-449,000 | 13,356 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-449,000 | 13,354 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $767,000 | 1,860 |
| Cash dividends | $49,000 | 7,776 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-627,340 | 13,337 |
* 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.