Home > The Woodstock National Bank > Income and Expense
The Woodstock National Bank, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,779,000 | 5,142 |
| Total interest expense | $2,586,000 | 5,240 |
| Net interest income | $3,193,000 | 4,917 |
| Provision for loan and lease losses | $98,000 | 5,179 |
| Total noninterest income | $587,000 | 4,450 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $368,000 | 3,372 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $219,000 | 4,731 |
| Total noninterest expense | $2,325,000 | 5,021 |
| Salaries and employee benefits | $564,000 | 7,961 |
| Premises and equipment expense | $220,000 | 6,425 |
| Additional noninterest expense | $1,541,000 | 2,701 |
| Pre-tax net operating income | $1,357,000 | 4,483 |
| Securities gains (losses) | $-21,000 | 10,295 |
| Applicable income taxes | $415,000 | 4,324 |
| Income before extraordinary items | $921,000 | 4,758 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $921,000 | 4,757 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,759 |
| Cash dividends | $1,840,000 | 1,423 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $935,490 | 4,618 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,892,000 | 5,141 |
| Total interest expense | $2,618,000 | 5,232 |
| Net interest income | $3,274,000 | 4,969 |
| Provision for loan and lease losses | $46,000 | 6,840 |
| Total noninterest income | $478,000 | 5,143 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $359,000 | 3,533 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $119,000 | 6,301 |
| Total noninterest expense | $2,314,000 | 5,079 |
| Salaries and employee benefits | $620,000 | 7,785 |
| Premises and equipment expense | $255,000 | 5,987 |
| Additional noninterest expense | $1,439,000 | 2,837 |
| Pre-tax net operating income | $1,392,000 | 4,741 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $429,000 | 4,670 |
| Income before extraordinary items | $963,000 | 4,829 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $963,000 | 4,829 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 4,288 |
| Cash dividends | $415,000 | 3,870 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $963,000 | 4,774 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,590,000 | 5,452 |
| Total interest expense | $2,449,000 | 5,597 |
| Net interest income | $3,141,000 | 5,266 |
| Provision for loan and lease losses | $113,000 | 4,832 |
| Total noninterest income | $389,000 | 6,035 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $298,000 | 4,251 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $91,000 | 7,410 |
| Total noninterest expense | $2,138,000 | 5,656 |
| Salaries and employee benefits | $641,000 | 7,891 |
| Premises and equipment expense | $214,000 | 6,788 |
| Additional noninterest expense | $1,283,000 | 3,573 |
| Pre-tax net operating income | $1,279,000 | 4,883 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $396,000 | 4,923 |
| Income before extraordinary items | $883,000 | 4,947 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $883,000 | 4,948 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 4,261 |
| Cash dividends | $2,020,000 | 1,258 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $883,000 | 4,890 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,629,000 | 5,492 |
| Total interest expense | $2,528,000 | 5,513 |
| Net interest income | $3,101,000 | 5,362 |
| Provision for loan and lease losses | $184,000 | 3,189 |
| Total noninterest income | $393,000 | 6,051 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $289,000 | 4,434 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $104,000 | 7,102 |
| Total noninterest expense | $2,177,000 | 5,609 |
| Salaries and employee benefits | $586,000 | 8,448 |
| Premises and equipment expense | $190,000 | 7,389 |
| Additional noninterest expense | $1,401,000 | 3,260 |
| Pre-tax net operating income | $1,133,000 | 5,478 |
| Securities gains (losses) | $-14,000 | 10,322 |
| Applicable income taxes | $251,000 | 6,635 |
| Income before extraordinary items | $868,000 | 5,130 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $868,000 | 5,128 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $209,000 | 2,420 |
| Cash dividends | $240,000 | 5,079 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $878,920 | 5,070 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,849,000 | 5,796 |
| Total interest expense | $2,052,000 | 5,490 |
| Net interest income | $2,797,000 | 5,916 |
| Provision for loan and lease losses | $281,000 | 2,393 |
| Total noninterest income | $295,000 | 7,310 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $224,000 | 5,444 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $71,000 | 8,612 |
| Total noninterest expense | $2,332,000 | 5,484 |
| Salaries and employee benefits | $777,000 | 7,334 |
| Premises and equipment expense | $187,000 | 7,705 |
| Additional noninterest expense | $1,368,000 | 3,606 |
| Pre-tax net operating income | $479,000 | 8,798 |
| Securities gains (losses) | $-141,000 | 11,754 |
| Applicable income taxes | $112,000 | 9,094 |
| Income before extraordinary items | $226,000 | 9,965 |
| Extraordinary gains, net | $36,000 | 177 |
| Net income | $262,000 | 9,575 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $197,000 | 2,524 |
| Cash dividends | $57,000 | 7,804 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $320,470 | 8,986 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,848,000 | 5,932 |
| Total interest expense | $2,044,000 | 5,727 |
| Net interest income | $2,804,000 | 5,969 |
| Provision for loan and lease losses | $112,000 | 5,474 |
| Total noninterest income | $296,000 | 7,736 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $204,000 | 5,900 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $92,000 | 8,143 |
| Total noninterest expense | $2,264,000 | 5,736 |
| Salaries and employee benefits | $786,000 | 7,401 |
| Premises and equipment expense | $162,000 | 8,585 |
| Additional noninterest expense | $1,316,000 | 3,897 |
| Pre-tax net operating income | $724,000 | 7,233 |
| Securities gains (losses) | $34,000 | 3,940 |
| Applicable income taxes | $253,000 | 6,745 |
| Income before extraordinary items | $505,000 | 7,504 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $505,000 | 7,688 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 4,605 |
| Cash dividends | $261,000 | 4,735 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $482,220 | 7,443 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,154,000 | 6,238 |
| Total interest expense | $2,409,000 | 6,163 |
| Net interest income | $2,745,000 | 6,132 |
| Provision for loan and lease losses | $115,000 | 6,913 |
| Total noninterest income | $262,000 | 8,303 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $190,000 | 6,193 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $72,000 | 9,195 |
| Total noninterest expense | $2,224,000 | 5,859 |
| Salaries and employee benefits | $830,000 | 7,062 |
| Premises and equipment expense | $181,000 | 8,279 |
| Additional noninterest expense | $1,213,000 | 4,302 |
| Pre-tax net operating income | $668,000 | 7,286 |
| Securities gains (losses) | $27,000 | 5,154 |
| Applicable income taxes | $229,000 | 7,010 |
| Income before extraordinary items | $466,000 | 7,611 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $466,000 | 7,719 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 10,608 |
| Cash dividends | $96,000 | 6,732 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $447,910 | 7,403 |
* 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.