Home > The Whaples and Farmers State Bank > Income and Expense
The Whaples and Farmers State Bank, Income and Expense
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $213,000 | 8,921 |
| Total interest expense | $77,000 | 8,715 |
| Net interest income | $136,000 | 8,943 |
| Provision for loan and lease losses | $2,000 | 6,819 |
| Total noninterest income | $16,000 | 8,821 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $11,000 | 7,732 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $5,000 | 8,618 |
| Total noninterest expense | $153,000 | 8,971 |
| Salaries and employee benefits | $102,000 | 8,905 |
| Premises and equipment expense | $13,000 | 8,924 |
| Additional noninterest expense | $38,000 | 8,975 |
| Pre-tax net operating income | $-3,000 | 8,533 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $-3,000 | 8,581 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-3,000 | 8,582 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-3,000 | 8,533 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $108,000 | 8,970 |
| Total interest expense | $39,000 | 8,754 |
| Net interest income | $69,000 | 8,996 |
| Provision for loan and lease losses | $1,000 | 6,438 |
| Total noninterest income | $7,000 | 8,881 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $5,000 | 7,776 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $2,000 | 8,709 |
| Total noninterest expense | $84,000 | 8,982 |
| Salaries and employee benefits | $51,000 | 8,948 |
| Premises and equipment expense | $8,000 | 8,874 |
| Additional noninterest expense | $25,000 | 8,937 |
| Pre-tax net operating income | $-9,000 | 8,600 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $-9,000 | 8,648 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-9,000 | 8,648 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,804 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-9,000 | 8,591 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $474,000 | 8,966 |
| Total interest expense | $184,000 | 8,785 |
| Net interest income | $290,000 | 8,997 |
| Provision for loan and lease losses | $3,000 | 7,580 |
| Total noninterest income | $34,000 | 8,904 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $26,000 | 7,765 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $8,000 | 8,827 |
| Total noninterest expense | $293,000 | 9,076 |
| Salaries and employee benefits | $193,000 | 9,012 |
| Premises and equipment expense | $19,000 | 9,075 |
| Additional noninterest expense | $81,000 | 9,057 |
| Pre-tax net operating income | $28,000 | 8,449 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $9,000 | 7,067 |
| Income before extraordinary items | $19,000 | 8,570 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $19,000 | 8,573 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 6,342 |
| Cash dividends | $24,000 | 6,130 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $19,000 | 8,479 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $365,000 | 9,040 |
| Total interest expense | $141,000 | 8,876 |
| Net interest income | $224,000 | 9,071 |
| Provision for loan and lease losses | $3,000 | 7,400 |
| Total noninterest income | $25,000 | 8,985 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $20,000 | 7,825 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $5,000 | 8,924 |
| Total noninterest expense | $219,000 | 9,137 |
| Salaries and employee benefits | $146,000 | 9,060 |
| Premises and equipment expense | $13,000 | 9,141 |
| Additional noninterest expense | $60,000 | 9,107 |
| Pre-tax net operating income | $27,000 | 8,539 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $9,000 | 7,107 |
| Income before extraordinary items | $18,000 | 8,665 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $18,000 | 8,666 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 6,378 |
| Cash dividends | $21,000 | 5,350 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $18,000 | 8,566 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $249,000 | 9,078 |
| Total interest expense | $96,000 | 8,926 |
| Net interest income | $153,000 | 9,106 |
| Provision for loan and lease losses | $2,000 | 7,249 |
| Total noninterest income | $17,000 | 9,018 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $14,000 | 7,828 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $3,000 | 8,960 |
| Total noninterest expense | $146,000 | 9,168 |
| Salaries and employee benefits | $97,000 | 9,095 |
| Premises and equipment expense | $9,000 | 9,155 |
| Additional noninterest expense | $40,000 | 9,131 |
| Pre-tax net operating income | $22,000 | 8,550 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $7,000 | 7,084 |
| Income before extraordinary items | $15,000 | 8,677 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $15,000 | 8,678 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,737 |
| Cash dividends | $17,000 | 5,080 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $15,000 | 8,557 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $129,000 | 9,125 |
| Total interest expense | $49,000 | 8,981 |
| Net interest income | $80,000 | 9,148 |
| Provision for loan and lease losses | $1,000 | 6,877 |
| Total noninterest income | $8,000 | 9,052 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $7,000 | 7,830 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,000 | 9,034 |
| Total noninterest expense | $72,000 | 9,216 |
| Salaries and employee benefits | $48,000 | 9,146 |
| Premises and equipment expense | $5,000 | 9,168 |
| Additional noninterest expense | $19,000 | 9,199 |
| Pre-tax net operating income | $15,000 | 8,517 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $5,000 | 6,893 |
| Income before extraordinary items | $10,000 | 8,634 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $10,000 | 8,631 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,508 |
| Cash dividends | $10,000 | 3,831 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $10,000 | 8,528 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $582,000 | 9,122 |
| Total interest expense | $238,000 | 9,006 |
| Net interest income | $344,000 | 9,145 |
| Provision for loan and lease losses | $4,000 | 8,000 |
| Total noninterest income | $40,000 | 9,038 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $32,000 | 7,826 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $8,000 | 8,967 |
| Total noninterest expense | $283,000 | 9,251 |
| Salaries and employee benefits | $185,000 | 9,188 |
| Premises and equipment expense | $17,000 | 9,257 |
| Additional noninterest expense | $81,000 | 9,229 |
| Pre-tax net operating income | $97,000 | 8,324 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $30,000 | 6,839 |
| Income before extraordinary items | $67,000 | 8,479 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $67,000 | 8,479 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 8,528 |
| Cash dividends | $53,000 | 5,934 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $67,000 | 8,389 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $664,000 | 9,343 |
| Total interest expense | $308,000 | 9,282 |
| Net interest income | $356,000 | 9,358 |
| Provision for loan and lease losses | $4,000 | 8,142 |
| Total noninterest income | $40,000 | 9,271 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $33,000 | 7,927 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $7,000 | 9,251 |
| Total noninterest expense | $288,000 | 9,495 |
| Salaries and employee benefits | $189,000 | 9,428 |
| Premises and equipment expense | $16,000 | 9,525 |
| Additional noninterest expense | $83,000 | 9,462 |
| Pre-tax net operating income | $104,000 | 8,312 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $35,000 | 6,977 |
| Income before extraordinary items | $69,000 | 8,506 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $69,000 | 8,505 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,531 |
| Cash dividends | $61,000 | 6,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $69,000 | 8,405 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $676,000 | 9,604 |
| Total interest expense | $287,000 | 9,550 |
| Net interest income | $389,000 | 9,597 |
| Provision for loan and lease losses | $4,000 | 8,198 |
| Total noninterest income | $44,000 | 9,411 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $37,000 | 7,929 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $7,000 | 9,569 |
| Total noninterest expense | $279,000 | 9,780 |
| Salaries and employee benefits | $182,000 | 9,671 |
| Premises and equipment expense | $11,000 | 9,829 |
| Additional noninterest expense | $86,000 | 9,712 |
| Pre-tax net operating income | $150,000 | 8,592 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $50,000 | 7,236 |
| Income before extraordinary items | $100,000 | 8,711 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $100,000 | 8,711 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,122 |
| Cash dividends | $74,000 | 6,212 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $100,000 | 8,698 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $652,000 | 9,878 |
| Total interest expense | $298,000 | 9,802 |
| Net interest income | $354,000 | 9,889 |
| Provision for loan and lease losses | $4,000 | 8,376 |
| Total noninterest income | $37,000 | 9,769 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $30,000 | 8,296 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $7,000 | 9,868 |
| Total noninterest expense | $262,000 | 10,102 |
| Salaries and employee benefits | $173,000 | 9,994 |
| Premises and equipment expense | $9,000 | 10,159 |
| Additional noninterest expense | $80,000 | 10,047 |
| Pre-tax net operating income | $125,000 | 8,953 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $41,000 | 7,793 |
| Income before extraordinary items | $84,000 | 9,072 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $84,000 | 9,070 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,765 |
| Cash dividends | $61,000 | 6,481 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $84,000 | 9,041 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $655,000 | 10,125 |
| Total interest expense | $306,000 | 10,041 |
| Net interest income | $349,000 | 10,145 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $34,000 | 10,048 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $27,000 | 8,571 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $7,000 | 10,104 |
| Total noninterest expense | $253,000 | 10,330 |
| Salaries and employee benefits | $166,000 | 10,227 |
| Premises and equipment expense | $11,000 | 10,387 |
| Additional noninterest expense | $76,000 | 10,283 |
| Pre-tax net operating income | $130,000 | 9,281 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $43,000 | 8,450 |
| Income before extraordinary items | $87,000 | 9,424 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $87,000 | 9,425 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,204 |
| Cash dividends | $67,000 | 6,672 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $87,000 | 9,360 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $662,000 | 10,604 |
| Total interest expense | $301,000 | 10,510 |
| Net interest income | $361,000 | 10,610 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $38,000 | 10,463 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $32,000 | 8,879 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $6,000 | 10,622 |
| Total noninterest expense | $254,000 | 10,769 |
| Salaries and employee benefits | $160,000 | 10,690 |
| Premises and equipment expense | $13,000 | 10,829 |
| Additional noninterest expense | $81,000 | 10,687 |
| Pre-tax net operating income | $145,000 | 9,874 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $47,000 | 9,297 |
| Income before extraordinary items | $98,000 | 9,977 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $98,000 | 9,978 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 9,540 |
| Cash dividends | $77,000 | 6,808 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $98,000 | 9,933 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $650,000 | 11,155 |
| Total interest expense | $292,000 | 11,091 |
| Net interest income | $358,000 | 11,161 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $39,000 | 11,025 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $33,000 | 9,306 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $6,000 | 11,162 |
| Total noninterest expense | $247,000 | 11,319 |
| Salaries and employee benefits | $152,000 | 11,227 |
| Premises and equipment expense | $12,000 | 11,368 |
| Additional noninterest expense | $83,000 | 11,224 |
| Pre-tax net operating income | $150,000 | 10,080 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $49,000 | 9,705 |
| Income before extraordinary items | $101,000 | 10,209 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $101,000 | 10,208 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,912 |
| Cash dividends | $100,000 | 6,641 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $101,000 | 10,160 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $592,000 | 11,724 |
| Total interest expense | $259,000 | 11,657 |
| Net interest income | $333,000 | 11,717 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $39,000 | 11,528 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $33,000 | 9,718 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $6,000 | 11,713 |
| Total noninterest expense | $249,000 | 11,815 |
| Salaries and employee benefits | $146,000 | 11,754 |
| Premises and equipment expense | $13,000 | 11,869 |
| Additional noninterest expense | $90,000 | 11,698 |
| Pre-tax net operating income | $123,000 | 10,955 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $42,000 | 10,333 |
| Income before extraordinary items | $81,000 | 11,098 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $81,000 | 11,096 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,816 |
| Cash dividends | $53,000 | 7,697 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $81,000 | 11,074 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $534,000 | 12,387 |
| Total interest expense | $242,000 | 12,231 |
| Net interest income | $292,000 | 12,410 |
| Provision for loan and lease losses | $2,000 | 9,032 |
| Total noninterest income | $42,000 | 12,095 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $32,000 | 10,262 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $10,000 | 12,083 |
| Total noninterest expense | $252,000 | 12,447 |
| Salaries and employee benefits | $141,000 | 12,392 |
| Premises and equipment expense | $12,000 | 12,519 |
| Additional noninterest expense | $99,000 | 12,293 |
| Pre-tax net operating income | $80,000 | 11,753 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $32,000 | 10,876 |
| Income before extraordinary items | $48,000 | 11,819 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $48,000 | 11,821 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 8,198 |
| Cash dividends | $30,000 | 8,349 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $48,000 | 11,853 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $567,000 | 12,980 |
| Total interest expense | $251,000 | 12,837 |
| Net interest income | $316,000 | 12,977 |
| Provision for loan and lease losses | $9,000 | 9,850 |
| Total noninterest income | $41,000 | 12,744 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $34,000 | 10,611 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $7,000 | 12,927 |
| Total noninterest expense | $268,000 | 13,058 |
| Salaries and employee benefits | $131,000 | 13,081 |
| Premises and equipment expense | $14,000 | 13,170 |
| Additional noninterest expense | $123,000 | 12,729 |
| Pre-tax net operating income | $80,000 | 11,996 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $34,000 | 11,288 |
| Income before extraordinary items | $46,000 | 12,279 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $46,000 | 12,302 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 7,032 |
| Cash dividends | $35,000 | 8,340 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $46,000 | 12,135 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $426,000 | 13,759 |
| Total interest expense | $227,000 | 13,663 |
| Net interest income | $199,000 | 13,773 |
| Provision for loan and lease losses | $2,000 | 11,664 |
| Total noninterest income | $36,000 | 13,429 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $31,000 | 11,039 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $5,000 | 13,675 |
| Total noninterest expense | $203,000 | 13,797 |
| Salaries and employee benefits | $109,000 | 13,760 |
| Premises and equipment expense | $9,000 | 13,848 |
| Additional noninterest expense | $85,000 | 13,652 |
| Pre-tax net operating income | $30,000 | 12,535 |
| Securities gains (losses) | $18,000 | 5,726 |
| Applicable income taxes | $24,000 | 11,995 |
| Income before extraordinary items | $24,000 | 12,750 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $24,000 | 12,747 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 10,379 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $12,480 | 12,588 |
* 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.