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The Woodford Bank and Trust Company, Income and Expense

1996-12-31 (YTD Data)Rank
Total interest income$7,967,0004,052
Total interest expense$3,577,0004,106
Net interest income$4,390,0003,968
Provision for loan and lease losses$120,0004,568
Total noninterest income$633,0004,397
Gross Fiduciary activities income$86,0001,142
Service charges on deposit accounts$351,0003,743
Trading account gains and fees$0262
Additional Noninterest Income$196,0005,222
Total noninterest expense$2,674,0004,747
Salaries and employee benefits$1,385,0004,619
Premises and equipment expense$409,0004,456
Additional noninterest expense$880,0004,839
Pre-tax net operating income$2,229,0003,119
Securities gains (losses)$7,0002,762
Applicable income taxes$662,0003,314
Income before extraordinary items$1,574,0003,045
Extraordinary gains, net$053
Net income$1,574,0003,047
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$224,0002,499
Cash dividends$1,442,0001,634
Sale, conversion, retirement of capital stock, net$0953
Net operating income$1,569,1003,022
1995-12-31 (YTD Data)Rank
Total interest income$7,829,0004,094
Total interest expense$3,592,0004,057
Net interest income$4,237,0004,113
Provision for loan and lease losses$25,0007,325
Total noninterest income$540,0004,910
Gross Fiduciary activities income$86,0001,193
Service charges on deposit accounts$294,0004,367
Trading account gains and fees$0522
Additional Noninterest Income$160,0005,798
Total noninterest expense$2,741,0004,612
Salaries and employee benefits$1,561,0004,142
Premises and equipment expense$411,0004,429
Additional noninterest expense$769,0005,422
Pre-tax net operating income$2,011,0003,480
Securities gains (losses)$3,0003,092
Applicable income taxes$587,0003,719
Income before extraordinary items$1,427,0003,397
Extraordinary gains, net$065
Net income$1,427,0003,397
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$795,0001,036
Cash dividends$4,786,000664
Sale, conversion, retirement of capital stock, net$0809
Net operating income$1,424,8703,377
1994-12-31 (YTD Data)Rank
Total interest income$7,610,0003,914
Total interest expense$2,821,0004,186
Net interest income$4,789,0003,705
Provision for loan and lease losses$1,150,000846
Total noninterest income$569,0004,844
Gross Fiduciary activities income$89,0001,203
Service charges on deposit accounts$320,0004,135
Trading account gains and fees$0475
Additional Noninterest Income$160,0006,008
Total noninterest expense$3,205,0004,167
Salaries and employee benefits$1,746,0003,736
Premises and equipment expense$390,0004,688
Additional noninterest expense$1,069,0004,450
Pre-tax net operating income$1,003,0005,942
Securities gains (losses)$-54,00011,090
Applicable income taxes$212,0007,149
Income before extraordinary items$737,0005,681
Extraordinary gains, net$0249
Net income$737,0005,698
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$573,0001,249
Cash dividends$215,0005,286
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$779,1205,537
1993-12-31 (YTD Data)Rank
Total interest income$7,791,0003,905
Total interest expense$2,924,0004,207
Net interest income$4,867,0003,663
Provision for loan and lease losses$800,0001,514
Total noninterest income$542,0005,305
Gross Fiduciary activities income$92,0001,232
Service charges on deposit accounts$328,0004,101
Trading account gains and fees$0532
Additional Noninterest Income$122,0007,244
Total noninterest expense$2,976,0004,547
Salaries and employee benefits$1,594,0004,042
Premises and equipment expense$539,0003,642
Additional noninterest expense$843,0005,668
Pre-tax net operating income$1,633,0004,014
Securities gains (losses)$16,0004,943
Applicable income taxes$444,0004,631
Income before extraordinary items$1,205,0004,009
Extraordinary gains, net$03,149
Net income$1,205,0004,108
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$507,0001,745
Cash dividends$118,0006,606
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$1,193,3203,835
1992-12-31 (YTD Data)Rank
Total interest income$8,415,0004,111
Total interest expense$3,959,0004,115
Net interest income$4,456,0004,037
Provision for loan and lease losses$700,0002,369
Total noninterest income$560,0005,224
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$371,0003,726
Trading account gains and feesNANA
Additional Noninterest Income$189,0005,859
Total noninterest expense$2,889,0004,687
Salaries and employee benefits$1,509,0004,213
Premises and equipment expense$414,0004,679
Additional noninterest expense$966,0005,197
Pre-tax net operating income$1,427,0004,237
Securities gains (losses)$1,0007,986
Applicable income taxes$362,0005,194
Income before extraordinary items$1,066,0004,264
Extraordinary gains, net$01,422
Net income$1,066,0004,306
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$852,0001,744
Cash dividends$190,0005,228
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$1,065,2503,947

* 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.