Home > The Wilmore State Bank > Income and Expense

The Wilmore State Bank, Income and Expense

2000-12-31 (YTD Data)		Rank
Total interest income	$281,000	9,790
Total interest expense	$131,000	9,721
Net interest income	$150,000	9,813
Provision for loan and lease losses	$-10,000	9,704
Total noninterest income	$8,000	9,760
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$8,000	8,450
Trading account gains and fees	NA	NA
Additional Noninterest Income	$0	9,820
Total noninterest expense	$135,000	9,872
Salaries and employee benefits	$89,000	9,844
Premises and equipment expense	$9,000	9,836
Additional noninterest expense	$37,000	9,856
Pre-tax net operating income	$33,000	9,016
Securities gains (losses)	$0	1,956
Applicable income taxes	$7,000	8,144
Income before extraordinary items	$26,000	9,047
Extraordinary gains, net	$0	38
Net income	$26,000	9,045
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	8,819
Cash dividends	$7,000	6,793
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$26,000	9,032
1999-12-31 (YTD Data)		Rank
Total interest income	$250,000	10,105
Total interest expense	$111,000	10,047
Net interest income	$139,000	10,117
Provision for loan and lease losses	$0	8,503
Total noninterest income	$8,000	10,070
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$8,000	8,712
Trading account gains and fees	NA	NA
Additional Noninterest Income	$0	10,153
Total noninterest expense	$133,000	10,186
Salaries and employee benefits	$85,000	10,157
Premises and equipment expense	$8,000	10,162
Additional noninterest expense	$40,000	10,179
Pre-tax net operating income	$14,000	9,356
Securities gains (losses)	$0	3,155
Applicable income taxes	$1,000	8,717
Income before extraordinary items	$13,000	9,396
Extraordinary gains, net	$0	35
Net income	$13,000	9,392
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-25,000	9,684
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$13,000	9,365
1998-12-31 (YTD Data)		Rank
Total interest income	$264,000	10,325
Total interest expense	$134,000	10,266
Net interest income	$130,000	10,356
Provision for loan and lease losses	$0	8,652
Total noninterest income	$8,000	10,312
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$8,000	8,901
Trading account gains and fees	NA	NA
Additional Noninterest Income	$0	10,383
Total noninterest expense	$133,000	10,421
Salaries and employee benefits	$86,000	10,386
Premises and equipment expense	$7,000	10,403
Additional noninterest expense	$40,000	10,410
Pre-tax net operating income	$5,000	9,766
Securities gains (losses)	$0	4,449
Applicable income taxes	$1,000	9,299
Income before extraordinary items	$4,000	9,822
Extraordinary gains, net	$0	32
Net income	$4,000	9,819
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	7,985
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$4,000	9,773
1997-12-31 (YTD Data)		Rank
Total interest income	$292,000	10,799
Total interest expense	$150,000	10,733
Net interest income	$142,000	10,826
Provision for loan and lease losses	$0	8,829
Total noninterest income	$8,000	10,802
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$8,000	9,325
Trading account gains and fees	NA	NA
Additional Noninterest Income	$0	10,861
Total noninterest expense	$139,000	10,871
Salaries and employee benefits	$89,000	10,838
Premises and equipment expense	$8,000	10,859
Additional noninterest expense	$42,000	10,856
Pre-tax net operating income	$11,000	10,340
Securities gains (losses)	$0	3,944
Applicable income taxes	$3,000	9,998
Income before extraordinary items	$8,000	10,383
Extraordinary gains, net	$0	44
Net income	$8,000	10,385
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	9,540
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$8,000	10,345
1996-12-31 (YTD Data)		Rank
Total interest income	$298,000	11,348
Total interest expense	$156,000	11,276
Net interest income	$142,000	11,368
Provision for loan and lease losses	$-5,000	11,061
Total noninterest income	$11,000	11,305
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$8,000	9,783
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,000	11,282
Total noninterest expense	$151,000	11,405
Salaries and employee benefits	$91,000	11,377
Premises and equipment expense	$16,000	11,335
Additional noninterest expense	$44,000	11,399
Pre-tax net operating income	$7,000	10,749
Securities gains (losses)	$0	4,148
Applicable income taxes	$2,000	10,509
Income before extraordinary items	$5,000	10,790
Extraordinary gains, net	$0	53
Net income	$5,000	10,785
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	9,767
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$5,000	10,744
1995-12-31 (YTD Data)		Rank
Total interest income	$295,000	11,885
Total interest expense	$148,000	11,814
Net interest income	$147,000	11,903
Provision for loan and lease losses	$-10,000	11,420
Total noninterest income	$14,000	11,838
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$9,000	10,209
Trading account gains and fees	NA	NA
Additional Noninterest Income	$5,000	11,753
Total noninterest expense	$152,000	11,916
Salaries and employee benefits	$89,000	11,890
Premises and equipment expense	$13,000	11,869
Additional noninterest expense	$50,000	11,895
Pre-tax net operating income	$19,000	11,421
Securities gains (losses)	$0	3,831
Applicable income taxes	$5,000	11,015
Income before extraordinary items	$14,000	11,450
Extraordinary gains, net	$0	65
Net income	$14,000	11,447
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-7,000	10,497
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$14,000	11,421
1994-12-31 (YTD Data)		Rank
Total interest income	$263,000	12,539
Total interest expense	$107,000	12,503
Net interest income	$156,000	12,540
Provision for loan and lease losses	$-10,000	11,755
Total noninterest income	$11,000	12,464
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$7,000	10,773
Trading account gains and fees	NA	NA
Additional Noninterest Income	$4,000	12,414
Total noninterest expense	$166,000	12,549
Salaries and employee benefits	$106,000	12,500
Premises and equipment expense	$10,000	12,540
Additional noninterest expense	$50,000	12,547
Pre-tax net operating income	$11,000	12,042
Securities gains (losses)	$0	3,600
Applicable income taxes	$1,000	11,577
Income before extraordinary items	$10,000	12,001
Extraordinary gains, net	$0	249
Net income	$10,000	12,002
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	10,214
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$10,000	12,038
1993-12-31 (YTD Data)		Rank
Total interest income	$262,000	13,196
Total interest expense	$101,000	13,169
Net interest income	$161,000	13,162
Provision for loan and lease losses	$-12,000	12,531
Total noninterest income	$12,000	13,158
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$9,000	11,224
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,000	13,123
Total noninterest expense	$171,000	13,211
Salaries and employee benefits	$108,000	13,155
Premises and equipment expense	$10,000	13,209
Additional noninterest expense	$53,000	13,200
Pre-tax net operating income	$14,000	12,330
Securities gains (losses)	$0	7,477
Applicable income taxes	$4,000	11,985
Income before extraordinary items	$10,000	12,480
Extraordinary gains, net	$0	3,149
Net income	$10,000	12,503
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-21,000	12,163
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$10,000	12,340
1992-12-31 (YTD Data)		Rank
Total interest income	$343,000	13,805
Total interest expense	$145,000	13,782
Net interest income	$198,000	13,774
Provision for loan and lease losses	$-8,000	13,465
Total noninterest income	$15,000	13,751
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$10,000	11,600
Trading account gains and fees	NA	NA
Additional Noninterest Income	$5,000	13,675
Total noninterest expense	$171,000	13,836
Salaries and employee benefits	$98,000	13,796
Premises and equipment expense	$17,000	13,728
Additional noninterest expense	$56,000	13,823
Pre-tax net operating income	$50,000	12,416
Securities gains (losses)	$0	8,369
Applicable income taxes	$15,000	12,232
Income before extraordinary items	$35,000	12,678
Extraordinary gains, net	$0	1,422
Net income	$35,000	12,674
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	12,396
Cash dividends	$30,000	8,198
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$35,000	12,431

* 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.