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Warren Five Cents Savings Bank, Income and Expense

2001-12-31 (YTD Data)Rank
Total interest income$33,210,0001,029
Total interest expense$13,525,0001,190
Net interest income$19,685,000899
Provision for loan and lease losses$-131,0009,545
Total noninterest income$2,554,0001,668
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$750,0002,018
Trading account gains and fees$0177
Additional Noninterest Income$1,804,0001,332
Total noninterest expense$12,019,0001,214
Salaries and employee benefits$7,430,0001,005
Premises and equipment expense$1,277,0001,691
Additional noninterest expense$3,312,0001,415
Pre-tax net operating income$10,351,000741
Securities gains (losses)$04,612
Applicable income taxes$3,287,000777
Income before extraordinary items$7,064,000786
Extraordinary gains, net$0105
Net income$7,064,000787
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-323,0009,575
Cash dividends$3,308,000842
Sale, conversion, retirement of capital stock, net$21,000811
Net operating income$7,064,000755
2000-12-31 (YTD Data)Rank
Total interest income$33,064,0001,069
Total interest expense$13,160,0001,319
Net interest income$19,904,000870
Provision for loan and lease losses$456,0002,029
Total noninterest income$1,767,0002,051
Gross Fiduciary activities income$01,332
Service charges on deposit accounts$623,0002,208
Trading account gains and fees$0180
Additional Noninterest Income$1,144,0001,698
Total noninterest expense$11,414,0001,218
Salaries and employee benefits$7,127,000984
Premises and equipment expense$1,168,0001,796
Additional noninterest expense$3,119,0001,440
Pre-tax net operating income$9,801,000800
Securities gains (losses)$208,000407
Applicable income taxes$3,326,000760
Income before extraordinary items$6,683,000806
Extraordinary gains, net$038
Net income$6,683,000806
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-54,0009,629
Cash dividends$4,570,000672
Sale, conversion, retirement of capital stock, net$2,000946
Net operating income$6,543,640819
1999-12-31 (YTD Data)Rank
Total interest income$28,986,0001,130
Total interest expense$11,865,0001,276
Net interest income$17,121,0001,025
Provision for loan and lease losses$120,0004,720
Total noninterest income$1,752,0002,044
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$586,0002,287
Trading account gains and fees$0173
Additional Noninterest Income$1,166,0001,683
Total noninterest expense$10,584,0001,306
Salaries and employee benefits$6,580,0001,046
Premises and equipment expense$1,054,0001,943
Additional noninterest expense$2,950,0001,533
Pre-tax net operating income$8,169,000980
Securities gains (losses)$17,0001,477
Applicable income taxes$2,776,000943
Income before extraordinary items$5,410,0001,021
Extraordinary gains, net$035
Net income$5,410,0001,021
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-128,00010,078
Cash dividends$7,066,000517
Sale, conversion, retirement of capital stock, net$247,000699
Net operating income$5,398,7801,008
1998-12-31 (YTD Data)Rank
Total interest income$29,253,0001,107
Total interest expense$12,232,0001,276
Net interest income$17,021,000988
Provision for loan and lease losses$-91,00010,308
Total noninterest income$1,238,0002,625
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$427,0002,950
Trading account gains and fees$0224
Additional Noninterest Income$811,0002,151
Total noninterest expense$10,120,0001,308
Salaries and employee benefits$5,999,0001,085
Premises and equipment expense$1,178,0001,667
Additional noninterest expense$2,943,0001,474
Pre-tax net operating income$8,230,000948
Securities gains (losses)$188,000953
Applicable income taxes$2,643,000973
Income before extraordinary items$5,775,000936
Extraordinary gains, net$032
Net income$5,775,000935
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-48,00010,096
Cash dividends$3,900,000802
Sale, conversion, retirement of capital stock, net$105,000766
Net operating income$5,645,280925
1997-12-31 (YTD Data)Rank
Total interest income$28,540,0001,175
Total interest expense$11,383,0001,385
Net interest income$17,157,0001,029
Provision for loan and lease losses$-316,00010,856
Total noninterest income$3,168,0001,247
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$638,0002,059
Trading account gains and fees$0239
Additional Noninterest Income$2,530,000939
Total noninterest expense$9,861,0001,336
Salaries and employee benefits$5,753,0001,138
Premises and equipment expense$1,147,0001,709
Additional noninterest expense$2,961,0001,457
Pre-tax net operating income$10,780,000766
Securities gains (losses)$140,000843
Applicable income taxes$3,627,000791
Income before extraordinary items$7,293,000774
Extraordinary gains, net$044
Net income$7,293,000776
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$151,0003,018
Cash dividends$6,296,000525
Sale, conversion, retirement of capital stock, net$144,000717
Net operating income$7,199,200764
1996-12-31 (YTD Data)Rank
Total interest income$27,756,0001,239
Total interest expense$11,435,0001,417
Net interest income$16,321,0001,116
Provision for loan and lease losses$116,0004,790
Total noninterest income$1,934,0001,894
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$691,0001,969
Trading account gains and fees$0262
Additional Noninterest Income$1,243,0001,566
Total noninterest expense$9,812,0001,455
Salaries and employee benefits$5,992,0001,122
Premises and equipment expense$1,080,0001,860
Additional noninterest expense$2,740,0001,868
Pre-tax net operating income$8,327,000923
Securities gains (losses)$250,000616
Applicable income taxes$1,968,0001,246
Income before extraordinary items$6,609,000813
Extraordinary gains, net$053
Net income$6,609,000814
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$116,0003,652
Cash dividends$3,850,000795
Sale, conversion, retirement of capital stock, net$0953
Net operating income$6,416,500818
1995-12-31 (YTD Data)Rank
Total interest income$27,721,0001,235
Total interest expense$11,563,0001,406
Net interest income$16,158,0001,139
Provision for loan and lease losses$-154,00011,784
Total noninterest income$2,603,0001,495
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$737,0001,840
Trading account gains and fees$0522
Additional Noninterest Income$1,866,0001,179
Total noninterest expense$11,189,0001,283
Salaries and employee benefits$5,577,0001,203
Premises and equipment expense$1,079,0001,872
Additional noninterest expense$4,533,0001,209
Pre-tax net operating income$7,726,0001,009
Securities gains (losses)$-384,00011,778
Applicable income taxes$1,960,0001,298
Income before extraordinary items$5,382,000990
Extraordinary gains, net$065
Net income$5,382,000989
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$102,0003,716
Cash dividends$1,082,0001,906
Sale, conversion, retirement of capital stock, net$0809
Net operating income$5,662,320938
1994-12-31 (YTD Data)Rank
Total interest income$25,613,0001,223
Total interest expense$9,942,0001,324
Net interest income$15,671,0001,163
Provision for loan and lease losses$-287,00012,386
Total noninterest income$2,498,0001,563
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$718,0001,876
Trading account gains and fees$0475
Additional Noninterest Income$1,780,0001,229
Total noninterest expense$11,539,0001,284
Salaries and employee benefits$5,263,0001,276
Premises and equipment expense$1,046,0001,945
Additional noninterest expense$5,230,0001,132
Pre-tax net operating income$6,917,0001,095
Securities gains (losses)$-3,880,00012,537
Applicable income taxes$1,436,0001,615
Income before extraordinary items$1,601,0003,010
Extraordinary gains, net$0249
Net income$1,601,0003,019
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$866,000955
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$4,084,2001,249
1993-12-31 (YTD Data)Rank
Total interest income$27,211,0001,174
Total interest expense$12,696,0001,060
Net interest income$14,515,0001,247
Provision for loan and lease losses$1,023,0001,274
Total noninterest income$3,931,0001,180
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$652,0002,098
Trading account gains and fees$0532
Additional Noninterest Income$3,279,000903
Total noninterest expense$12,913,0001,200
Salaries and employee benefits$5,823,0001,163
Premises and equipment expense$1,678,0001,275
Additional noninterest expense$5,412,0001,191
Pre-tax net operating income$4,510,0001,549
Securities gains (losses)$1,332,000428
Applicable income taxes$-1,468,00013,205
Income before extraordinary items$7,310,000712
Extraordinary gains, net$03,149
Net income$7,310,000736
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,217,000996
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$5,978,000830
1992-12-31 (YTD Data)Rank
Total interest income$33,096,0001,094
Total interest expense$18,893,000954
Net interest income$14,203,0001,309
Provision for loan and lease losses$2,097,0001,121
Total noninterest income$2,954,0001,459
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$707,0001,913
Trading account gains and fees$0504
Additional Noninterest Income$2,247,0001,154
Total noninterest expense$13,191,0001,204
Salaries and employee benefits$5,387,0001,245
Premises and equipment expense$2,032,0001,106
Additional noninterest expense$5,772,0001,169
Pre-tax net operating income$1,869,0003,313
Securities gains (losses)$761,000789
Applicable income taxes$-453,00013,745
Income before extraordinary items$3,083,0001,507
Extraordinary gains, net$357,000266
Net income$3,440,0001,361
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,693,000641
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$2,322,0001,823

* 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.