Home > The Warwick Commercial Bank > Income and Expense

The Warwick Commercial Bank, Income and Expense

2004-09-30 (YTD Data)Rank
Total interest income$299,0008,872
Total interest expense$59,0008,832
Net interest income$240,0008,856
Provision for loan and lease losses$07,100
Total noninterest income$08,980
Gross Fiduciary activities income$01,547
Service charges on deposit accounts$07,933
Trading account gains and fees$0134
Additional Noninterest Income$08,890
Total noninterest expense$90,0009,005
Salaries and employee benefits$28,0008,991
Premises and equipment expense$1,0008,988
Additional noninterest expense$61,0008,911
Pre-tax net operating income$150,0007,908
Securities gains (losses)$03,710
Applicable income taxes$44,0006,050
Income before extraordinary items$106,0008,036
Extraordinary gains, net$026
Net income$106,0008,038
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,496
Cash dividends$05,363
Sale, conversion, retirement of capital stock, net$0738
Net operating income$106,0007,983
2004-06-30 (YTD Data)Rank
Total interest income$215,0008,918
Total interest expense$43,0008,885
Net interest income$172,0008,894
Provision for loan and lease losses$06,885
Total noninterest income$09,031
Gross Fiduciary activities income$01,518
Service charges on deposit accounts$07,979
Trading account gains and fees$0130
Additional Noninterest Income$08,943
Total noninterest expense$61,0009,060
Salaries and employee benefits$19,0009,052
Premises and equipment expense$1,0009,045
Additional noninterest expense$41,0008,951
Pre-tax net operating income$111,0007,838
Securities gains (losses)$03,413
Applicable income taxes$33,0005,966
Income before extraordinary items$78,0007,996
Extraordinary gains, net$021
Net income$78,0007,998
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,017
Cash dividends$05,087
Sale, conversion, retirement of capital stock, net$0638
Net operating income$78,0007,934
2004-03-31 (YTD Data)Rank
Total interest income$129,0008,918
Total interest expense$24,0008,910
Net interest income$105,0008,875
Provision for loan and lease losses$06,501
Total noninterest income$09,051
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$07,976
Trading account gains and fees$0121
Additional Noninterest Income$08,950
Total noninterest expense$30,0009,099
Salaries and employee benefits$9,0009,092
Premises and equipment expense$1,0009,071
Additional noninterest expense$20,0009,006
Pre-tax net operating income$75,0007,537
Securities gains (losses)$02,934
Applicable income taxes$24,0005,624
Income before extraordinary items$51,0007,763
Extraordinary gains, net$016
Net income$51,0007,763
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,097
Cash dividends$03,841
Sale, conversion, retirement of capital stock, net$0464
Net operating income$51,0007,699
2003-12-31 (YTD Data)Rank
Total interest income$604,0008,890
Total interest expense$215,0008,702
Net interest income$389,0008,910
Provision for loan and lease losses$07,651
Total noninterest income$09,134
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$08,063
Trading account gains and fees$0160
Additional Noninterest Income$09,041
Total noninterest expense$127,0009,156
Salaries and employee benefits$36,0009,153
Premises and equipment expense$2,0009,143
Additional noninterest expense$89,0009,038
Pre-tax net operating income$262,0007,591
Securities gains (losses)$04,500
Applicable income taxes$91,0005,815
Income before extraordinary items$171,0007,905
Extraordinary gains, net$054
Net income$171,0007,906
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,416
Cash dividends$06,283
Sale, conversion, retirement of capital stock, net$0868
Net operating income$171,0007,778
2003-09-30 (YTD Data)Rank
Total interest income$477,0008,961
Total interest expense$185,0008,732
Net interest income$292,0008,994
Provision for loan and lease losses$07,481
Total noninterest income$09,186
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$08,111
Trading account gains and fees$0153
Additional Noninterest Income$09,106
Total noninterest expense$90,0009,220
Salaries and employee benefits$27,0009,212
Premises and equipment expense$2,0009,195
Additional noninterest expense$61,0009,103
Pre-tax net operating income$202,0007,722
Securities gains (losses)$04,204
Applicable income taxes$74,0005,879
Income before extraordinary items$128,0008,052
Extraordinary gains, net$040
Net income$128,0008,056
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,967
Cash dividends$05,519
Sale, conversion, retirement of capital stock, net$0722
Net operating income$128,0007,919
2003-06-30 (YTD Data)Rank
Total interest income$358,0008,939
Total interest expense$155,0008,612
Net interest income$203,0009,009
Provision for loan and lease losses$07,324
Total noninterest income$09,217
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$08,133
Trading account gains and fees$0150
Additional Noninterest Income$09,111
Total noninterest expense$59,0009,249
Salaries and employee benefits$18,0009,241
Premises and equipment expense$1,0009,222
Additional noninterest expense$40,0009,131
Pre-tax net operating income$144,0007,643
Securities gains (losses)$03,782
Applicable income taxes$56,0005,804
Income before extraordinary items$88,0008,075
Extraordinary gains, net$030
Net income$88,0008,077
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,535
Cash dividends$05,215
Sale, conversion, retirement of capital stock, net$0589
Net operating income$88,0007,911
2003-03-31 (YTD Data)Rank
Total interest income$177,0009,011
Total interest expense$95,0008,490
Net interest income$82,0009,138
Provision for loan and lease losses$06,934
Total noninterest income$09,248
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$08,142
Trading account gains and fees$0134
Additional Noninterest Income$09,145
Total noninterest expense$30,0009,291
Salaries and employee benefits$9,0009,282
Premises and equipment expense$1,0009,257
Additional noninterest expense$20,0009,182
Pre-tax net operating income$52,0007,969
Securities gains (losses)$02,891
Applicable income taxes$18,0006,161
Income before extraordinary items$34,0008,200
Extraordinary gains, net$021
Net income$34,0008,200
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,539
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$0419
Net operating income$34,0008,064
2002-12-31 (YTD Data)Rank
Total interest income$431,0009,193
Total interest expense$160,0009,128
Net interest income$271,0009,201
Provision for loan and lease losses$08,089
Total noninterest income$1,0009,283
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$08,205
Trading account gains and fees$0153
Additional Noninterest Income$1,0009,177
Total noninterest expense$118,0009,330
Salaries and employee benefits$53,0009,317
Premises and equipment expense$3,0009,311
Additional noninterest expense$62,0009,269
Pre-tax net operating income$154,0008,095
Securities gains (losses)$04,537
Applicable income taxes$55,0006,468
Income before extraordinary items$99,0008,344
Extraordinary gains, net$070
Net income$99,0008,347
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,632
Cash dividends$06,377
Sale, conversion, retirement of capital stock, net$0862
Net operating income$99,0008,253
2001-12-31 (YTD Data)Rank
Total interest income$143,0009,556
Total interest expense$78,0009,482
Net interest income$65,0009,569
Provision for loan and lease losses$08,228
Total noninterest income$1,0009,549
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$08,399
Trading account gains and fees$0177
Additional Noninterest Income$1,0009,443
Total noninterest expense$42,0009,605
Salaries and employee benefits$09,594
Premises and equipment expense$09,580
Additional noninterest expense$42,0009,572
Pre-tax net operating income$24,0008,635
Securities gains (losses)$04,612
Applicable income taxes$10,0007,583
Income before extraordinary items$14,0008,757
Extraordinary gains, net$0105
Net income$14,0008,756
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,777
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$0922
Net operating income$14,0008,668

* 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.