Home > The Westwood Homestead Savings Bank > Income and Expense
The Westwood Homestead Savings Bank, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $12,909,000 | 2,694 |
| Total interest expense | $7,938,000 | 2,157 |
| Net interest income | $4,971,000 | 3,491 |
| Provision for loan and lease losses | $48,000 | 6,621 |
| Total noninterest income | $318,000 | 6,150 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $188,000 | 5,261 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $130,000 | 5,818 |
| Total noninterest expense | $2,613,000 | 4,709 |
| Salaries and employee benefits | $1,203,000 | 5,218 |
| Premises and equipment expense | $400,000 | 4,509 |
| Additional noninterest expense | $1,010,000 | 3,969 |
| Pre-tax net operating income | $2,628,000 | 2,655 |
| Securities gains (losses) | $-42,000 | 9,121 |
| Applicable income taxes | $882,000 | 2,349 |
| Income before extraordinary items | $1,704,000 | 2,929 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,704,000 | 2,927 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,101 |
| Cash dividends | $7,250,000 | 472 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,731,720 | 2,882 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $11,026,000 | 2,926 |
| Total interest expense | $6,107,000 | 2,411 |
| Net interest income | $4,919,000 | 3,491 |
| Provision for loan and lease losses | $42,000 | 6,798 |
| Total noninterest income | $214,000 | 7,330 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $130,000 | 6,171 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $84,000 | 7,038 |
| Total noninterest expense | $3,124,000 | 4,080 |
| Salaries and employee benefits | $1,659,000 | 4,007 |
| Premises and equipment expense | $380,000 | 4,696 |
| Additional noninterest expense | $1,085,000 | 3,748 |
| Pre-tax net operating income | $1,967,000 | 3,387 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $653,000 | 3,038 |
| Income before extraordinary items | $1,314,000 | 3,614 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,314,000 | 3,615 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 9,262 |
| Cash dividends | $7,200,000 | 511 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,314,000 | 3,578 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $10,205,000 | 3,171 |
| Total interest expense | $5,541,000 | 2,729 |
| Net interest income | $4,664,000 | 3,628 |
| Provision for loan and lease losses | $41,000 | 6,908 |
| Total noninterest income | $544,000 | 4,693 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $108,000 | 6,714 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $436,000 | 3,245 |
| Total noninterest expense | $3,064,000 | 4,041 |
| Salaries and employee benefits | $1,626,000 | 3,984 |
| Premises and equipment expense | $285,000 | 5,544 |
| Additional noninterest expense | $1,153,000 | 3,489 |
| Pre-tax net operating income | $2,103,000 | 3,216 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $715,000 | 2,977 |
| Income before extraordinary items | $1,388,000 | 3,463 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,388,000 | 3,464 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 6,737 |
| Cash dividends | $6,900,000 | 512 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,388,000 | 3,368 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,713,000 | 3,332 |
| Total interest expense | $5,556,000 | 2,684 |
| Net interest income | $4,157,000 | 4,100 |
| Provision for loan and lease losses | $101,000 | 5,125 |
| Total noninterest income | $129,000 | 8,910 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $97,000 | 7,274 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $32,000 | 9,236 |
| Total noninterest expense | $2,767,000 | 4,389 |
| Salaries and employee benefits | $1,415,000 | 4,464 |
| Premises and equipment expense | $202,000 | 6,803 |
| Additional noninterest expense | $1,150,000 | 3,467 |
| Pre-tax net operating income | $1,418,000 | 4,683 |
| Securities gains (losses) | $-532,000 | 10,880 |
| Applicable income taxes | $278,000 | 5,939 |
| Income before extraordinary items | $608,000 | 6,317 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $608,000 | 6,318 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $975,080 | 4,725 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,753,000 | 4,152 |
| Total interest expense | $4,825,000 | 3,099 |
| Net interest income | $2,928,000 | 5,538 |
| Provision for loan and lease losses | $64,000 | 6,010 |
| Total noninterest income | $102,000 | 9,859 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $46,000 | 8,952 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $56,000 | 8,626 |
| Total noninterest expense | $2,537,000 | 4,941 |
| Salaries and employee benefits | $847,000 | 6,733 |
| Premises and equipment expense | $171,000 | 7,604 |
| Additional noninterest expense | $1,519,000 | 3,080 |
| Pre-tax net operating income | $429,000 | 8,346 |
| Securities gains (losses) | $4,000 | 3,123 |
| Applicable income taxes | $145,000 | 7,956 |
| Income before extraordinary items | $288,000 | 8,530 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $288,000 | 8,527 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $13,994,000 | 47 |
| Net operating income | $285,320 | 8,482 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,779,000 | 4,117 |
| Total interest expense | $5,225,000 | 2,917 |
| Net interest income | $2,554,000 | 6,216 |
| Provision for loan and lease losses | $38,000 | 6,705 |
| Total noninterest income | $28,000 | 11,682 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $23,000 | 9,934 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $5,000 | 11,753 |
| Total noninterest expense | $2,067,000 | 5,835 |
| Salaries and employee benefits | $661,000 | 7,981 |
| Premises and equipment expense | $120,000 | 9,038 |
| Additional noninterest expense | $1,286,000 | 3,531 |
| Pre-tax net operating income | $477,000 | 8,567 |
| Securities gains (losses) | $-814,000 | 11,854 |
| Applicable income taxes | $-114,000 | 11,726 |
| Income before extraordinary items | $-223,000 | 11,695 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-223,000 | 11,693 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $314,240 | 8,751 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,670,000 | 3,884 |
| Total interest expense | $5,008,000 | 2,457 |
| Net interest income | $2,662,000 | 6,154 |
| Provision for loan and lease losses | $31,000 | 7,056 |
| Total noninterest income | $23,000 | 12,347 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $17,000 | 10,605 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $6,000 | 12,297 |
| Total noninterest expense | $1,493,000 | 7,624 |
| Salaries and employee benefits | $522,000 | 9,192 |
| Premises and equipment expense | $110,000 | 9,702 |
| Additional noninterest expense | $861,000 | 5,376 |
| Pre-tax net operating income | $1,161,000 | 5,363 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $400,000 | 4,767 |
| Income before extraordinary items | $761,000 | 5,550 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $761,000 | 5,565 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $761,000 | 5,621 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,761,000 | 3,925 |
| Total interest expense | $5,004,000 | 2,566 |
| Net interest income | $2,757,000 | 6,052 |
| Provision for loan and lease losses | $12,000 | 9,545 |
| Total noninterest income | $41,000 | 12,744 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $34,000 | 10,611 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $7,000 | 12,927 |
| Total noninterest expense | $1,327,000 | 8,420 |
| Salaries and employee benefits | $558,000 | 9,143 |
| Premises and equipment expense | $92,000 | 10,712 |
| Additional noninterest expense | $677,000 | 6,728 |
| Pre-tax net operating income | $1,459,000 | 4,434 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $500,000 | 4,189 |
| Income before extraordinary items | $959,000 | 4,838 |
| Extraordinary gains, net | $14,000 | 2,843 |
| Net income | $973,000 | 4,935 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 11,050 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $959,000 | 4,608 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,969,000 | 4,301 |
| Total interest expense | $5,209,000 | 3,190 |
| Net interest income | $2,760,000 | 6,105 |
| Provision for loan and lease losses | $12,000 | 11,000 |
| Total noninterest income | $69,000 | 12,585 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $69,000 | 9,328 |
| Total noninterest expense | $1,045,000 | 9,770 |
| Salaries and employee benefits | $489,000 | 9,880 |
| Premises and equipment expense | $98,000 | 10,802 |
| Additional noninterest expense | $458,000 | 8,891 |
| Pre-tax net operating income | $1,772,000 | 3,485 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $741,000 | 2,804 |
| Income before extraordinary items | $1,031,000 | 4,365 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,031,000 | 4,408 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 11,020 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,031,000 | 4,062 |
* 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.