Home > The Waldoboro Bank F.S.B. > Income and Expense
The Waldoboro Bank F.S.B., Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,416,000 | 5,298 |
| Total interest expense | $2,810,000 | 4,841 |
| Net interest income | $2,606,000 | 5,658 |
| Provision for loan and lease losses | $74,000 | 5,823 |
| Total noninterest income | $408,000 | 5,541 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $408,000 | 3,374 |
| Total noninterest expense | $2,293,000 | 5,174 |
| Salaries and employee benefits | $1,120,000 | 5,425 |
| Premises and equipment expense | $508,000 | 3,718 |
| Additional noninterest expense | $665,000 | 5,440 |
| Pre-tax net operating income | $647,000 | 6,536 |
| Securities gains (losses) | $103,000 | 731 |
| Applicable income taxes | $253,000 | 5,170 |
| Income before extraordinary items | $497,000 | 6,459 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $497,000 | 6,458 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 9,010 |
| Cash dividends | $145,000 | 5,709 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $429,020 | 6,801 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,137,000 | 5,585 |
| Total interest expense | $2,791,000 | 4,974 |
| Net interest income | $2,346,000 | 6,070 |
| Provision for loan and lease losses | $72,000 | 5,801 |
| Total noninterest income | $335,000 | 6,149 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $335,000 | 3,782 |
| Total noninterest expense | $2,194,000 | 5,228 |
| Salaries and employee benefits | $1,007,000 | 5,770 |
| Premises and equipment expense | $463,000 | 3,916 |
| Additional noninterest expense | $724,000 | 5,034 |
| Pre-tax net operating income | $415,000 | 7,793 |
| Securities gains (losses) | $93,000 | 1,322 |
| Applicable income taxes | $171,000 | 6,570 |
| Income before extraordinary items | $337,000 | 7,609 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $337,000 | 7,608 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,204 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $275,620 | 7,998 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,779,000 | 5,969 |
| Total interest expense | $2,579,000 | 5,298 |
| Net interest income | $2,200,000 | 6,532 |
| Provision for loan and lease losses | $65,000 | 6,037 |
| Total noninterest income | $302,000 | 6,623 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $302,000 | 3,914 |
| Total noninterest expense | $1,725,000 | 6,228 |
| Salaries and employee benefits | $846,000 | 6,556 |
| Premises and equipment expense | $341,000 | 4,999 |
| Additional noninterest expense | $538,000 | 6,205 |
| Pre-tax net operating income | $712,000 | 6,928 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $241,000 | 6,346 |
| Income before extraordinary items | $471,000 | 7,162 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $471,000 | 7,163 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,907 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $471,000 | 7,113 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,482,000 | 6,422 |
| Total interest expense | $2,420,000 | 5,643 |
| Net interest income | $2,062,000 | 7,019 |
| Provision for loan and lease losses | $101,000 | 5,052 |
| Total noninterest income | $241,000 | 7,701 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $241,000 | 4,634 |
| Total noninterest expense | $1,843,000 | 6,288 |
| Salaries and employee benefits | $812,000 | 6,920 |
| Premises and equipment expense | $268,000 | 5,987 |
| Additional noninterest expense | $763,000 | 5,389 |
| Pre-tax net operating income | $359,000 | 8,755 |
| Securities gains (losses) | $7,000 | 2,762 |
| Applicable income taxes | $138,000 | 8,066 |
| Income before extraordinary items | $228,000 | 9,022 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $228,000 | 9,026 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 5,716 |
| Cash dividends | $150,000 | 5,964 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $223,520 | 9,017 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,267,000 | 6,731 |
| Total interest expense | $2,391,000 | 5,752 |
| Net interest income | $1,876,000 | 7,584 |
| Provision for loan and lease losses | $83,000 | 5,026 |
| Total noninterest income | $221,000 | 8,116 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $221,000 | 4,838 |
| Total noninterest expense | $1,447,000 | 7,441 |
| Salaries and employee benefits | $709,000 | 7,669 |
| Premises and equipment expense | $117,000 | 9,135 |
| Additional noninterest expense | $621,000 | 6,398 |
| Pre-tax net operating income | $567,000 | 8,065 |
| Securities gains (losses) | $10,000 | 2,384 |
| Applicable income taxes | $192,000 | 7,562 |
| Income before extraordinary items | $385,000 | 8,196 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $385,000 | 8,196 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 6,236 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $378,300 | 8,240 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,770,000 | 6,973 |
| Total interest expense | $1,921,000 | 5,789 |
| Net interest income | $1,849,000 | 7,918 |
| Provision for loan and lease losses | $158,000 | 3,509 |
| Total noninterest income | $204,000 | 8,663 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $204,000 | 5,199 |
| Total noninterest expense | $1,248,000 | 8,431 |
| Salaries and employee benefits | $585,000 | 8,721 |
| Premises and equipment expense | $91,000 | 10,316 |
| Additional noninterest expense | $572,000 | 7,239 |
| Pre-tax net operating income | $647,000 | 7,736 |
| Securities gains (losses) | $-16,000 | 10,174 |
| Applicable income taxes | $203,000 | 7,293 |
| Income before extraordinary items | $428,000 | 7,918 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $428,000 | 7,927 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $196,000 | 2,531 |
| Cash dividends | $43,000 | 8,128 |
| Sale, conversion, retirement of capital stock, net | $-82,000 | 12,502 |
| Net operating income | $438,880 | 7,873 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,718,000 | 7,236 |
| Total interest expense | $1,919,000 | 6,043 |
| Net interest income | $1,799,000 | 8,249 |
| Provision for loan and lease losses | $95,000 | 5,900 |
| Total noninterest income | $213,000 | 8,971 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $213,000 | 5,471 |
| Total noninterest expense | $1,120,000 | 9,249 |
| Salaries and employee benefits | $517,000 | 9,500 |
| Premises and equipment expense | $108,000 | 10,198 |
| Additional noninterest expense | $495,000 | 8,262 |
| Pre-tax net operating income | $797,000 | 6,827 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $286,000 | 6,253 |
| Income before extraordinary items | $511,000 | 7,452 |
| Extraordinary gains, net | $47,000 | 2,224 |
| Net income | $558,000 | 7,261 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 7,896 |
| Cash dividends | $61,000 | 7,683 |
| Sale, conversion, retirement of capital stock, net | $77,000 | 931 |
| Net operating income | $511,000 | 7,211 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,773,000 | 7,810 |
| Total interest expense | $2,232,000 | 6,554 |
| Net interest income | $1,541,000 | 9,148 |
| Provision for loan and lease losses | $163,000 | 5,860 |
| Total noninterest income | $129,000 | 10,953 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $129,000 | 7,194 |
| Total noninterest expense | $1,042,000 | 9,790 |
| Salaries and employee benefits | $426,000 | 10,562 |
| Premises and equipment expense | $116,000 | 10,180 |
| Additional noninterest expense | $500,000 | 8,462 |
| Pre-tax net operating income | $465,000 | 8,677 |
| Securities gains (losses) | $73,000 | 3,512 |
| Applicable income taxes | $219,000 | 7,205 |
| Income before extraordinary items | $319,000 | 9,058 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $319,000 | 9,200 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $130,000 | 5,229 |
| Cash dividends | $55,000 | 7,563 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 1,101 |
| Net operating income | $272,280 | 9,277 |
* 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.