Home > Warren Five Cents Savings Bank > Income and Expense
Warren Five Cents Savings Bank, Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $33,210,000 | 1,029 |
| Total interest expense | $13,525,000 | 1,190 |
| Net interest income | $19,685,000 | 899 |
| Provision for loan and lease losses | $-131,000 | 9,545 |
| Total noninterest income | $2,554,000 | 1,668 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $750,000 | 2,018 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,804,000 | 1,332 |
| Total noninterest expense | $12,019,000 | 1,214 |
| Salaries and employee benefits | $7,430,000 | 1,005 |
| Premises and equipment expense | $1,277,000 | 1,691 |
| Additional noninterest expense | $3,312,000 | 1,415 |
| Pre-tax net operating income | $10,351,000 | 741 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $3,287,000 | 777 |
| Income before extraordinary items | $7,064,000 | 786 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $7,064,000 | 787 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-323,000 | 9,575 |
| Cash dividends | $3,308,000 | 842 |
| Sale, conversion, retirement of capital stock, net | $21,000 | 811 |
| Net operating income | $7,064,000 | 755 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $33,064,000 | 1,069 |
| Total interest expense | $13,160,000 | 1,319 |
| Net interest income | $19,904,000 | 870 |
| Provision for loan and lease losses | $456,000 | 2,029 |
| Total noninterest income | $1,767,000 | 2,051 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $623,000 | 2,208 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,144,000 | 1,698 |
| Total noninterest expense | $11,414,000 | 1,218 |
| Salaries and employee benefits | $7,127,000 | 984 |
| Premises and equipment expense | $1,168,000 | 1,796 |
| Additional noninterest expense | $3,119,000 | 1,440 |
| Pre-tax net operating income | $9,801,000 | 800 |
| Securities gains (losses) | $208,000 | 407 |
| Applicable income taxes | $3,326,000 | 760 |
| Income before extraordinary items | $6,683,000 | 806 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $6,683,000 | 806 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-54,000 | 9,629 |
| Cash dividends | $4,570,000 | 672 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 946 |
| Net operating income | $6,543,640 | 819 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $28,986,000 | 1,130 |
| Total interest expense | $11,865,000 | 1,276 |
| Net interest income | $17,121,000 | 1,025 |
| Provision for loan and lease losses | $120,000 | 4,720 |
| Total noninterest income | $1,752,000 | 2,044 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $586,000 | 2,287 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,166,000 | 1,683 |
| Total noninterest expense | $10,584,000 | 1,306 |
| Salaries and employee benefits | $6,580,000 | 1,046 |
| Premises and equipment expense | $1,054,000 | 1,943 |
| Additional noninterest expense | $2,950,000 | 1,533 |
| Pre-tax net operating income | $8,169,000 | 980 |
| Securities gains (losses) | $17,000 | 1,477 |
| Applicable income taxes | $2,776,000 | 943 |
| Income before extraordinary items | $5,410,000 | 1,021 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $5,410,000 | 1,021 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-128,000 | 10,078 |
| Cash dividends | $7,066,000 | 517 |
| Sale, conversion, retirement of capital stock, net | $247,000 | 699 |
| Net operating income | $5,398,780 | 1,008 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $29,253,000 | 1,107 |
| Total interest expense | $12,232,000 | 1,276 |
| Net interest income | $17,021,000 | 988 |
| Provision for loan and lease losses | $-91,000 | 10,308 |
| Total noninterest income | $1,238,000 | 2,625 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $427,000 | 2,950 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $811,000 | 2,151 |
| Total noninterest expense | $10,120,000 | 1,308 |
| Salaries and employee benefits | $5,999,000 | 1,085 |
| Premises and equipment expense | $1,178,000 | 1,667 |
| Additional noninterest expense | $2,943,000 | 1,474 |
| Pre-tax net operating income | $8,230,000 | 948 |
| Securities gains (losses) | $188,000 | 953 |
| Applicable income taxes | $2,643,000 | 973 |
| Income before extraordinary items | $5,775,000 | 936 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $5,775,000 | 935 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-48,000 | 10,096 |
| Cash dividends | $3,900,000 | 802 |
| Sale, conversion, retirement of capital stock, net | $105,000 | 766 |
| Net operating income | $5,645,280 | 925 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $28,540,000 | 1,175 |
| Total interest expense | $11,383,000 | 1,385 |
| Net interest income | $17,157,000 | 1,029 |
| Provision for loan and lease losses | $-316,000 | 10,856 |
| Total noninterest income | $3,168,000 | 1,247 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $638,000 | 2,059 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $2,530,000 | 939 |
| Total noninterest expense | $9,861,000 | 1,336 |
| Salaries and employee benefits | $5,753,000 | 1,138 |
| Premises and equipment expense | $1,147,000 | 1,709 |
| Additional noninterest expense | $2,961,000 | 1,457 |
| Pre-tax net operating income | $10,780,000 | 766 |
| Securities gains (losses) | $140,000 | 843 |
| Applicable income taxes | $3,627,000 | 791 |
| Income before extraordinary items | $7,293,000 | 774 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $7,293,000 | 776 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $151,000 | 3,018 |
| Cash dividends | $6,296,000 | 525 |
| Sale, conversion, retirement of capital stock, net | $144,000 | 717 |
| Net operating income | $7,199,200 | 764 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $27,756,000 | 1,239 |
| Total interest expense | $11,435,000 | 1,417 |
| Net interest income | $16,321,000 | 1,116 |
| Provision for loan and lease losses | $116,000 | 4,790 |
| Total noninterest income | $1,934,000 | 1,894 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $691,000 | 1,969 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,243,000 | 1,566 |
| Total noninterest expense | $9,812,000 | 1,455 |
| Salaries and employee benefits | $5,992,000 | 1,122 |
| Premises and equipment expense | $1,080,000 | 1,860 |
| Additional noninterest expense | $2,740,000 | 1,868 |
| Pre-tax net operating income | $8,327,000 | 923 |
| Securities gains (losses) | $250,000 | 616 |
| Applicable income taxes | $1,968,000 | 1,246 |
| Income before extraordinary items | $6,609,000 | 813 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $6,609,000 | 814 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $116,000 | 3,652 |
| Cash dividends | $3,850,000 | 795 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $6,416,500 | 818 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $27,721,000 | 1,235 |
| Total interest expense | $11,563,000 | 1,406 |
| Net interest income | $16,158,000 | 1,139 |
| Provision for loan and lease losses | $-154,000 | 11,784 |
| Total noninterest income | $2,603,000 | 1,495 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $737,000 | 1,840 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,866,000 | 1,179 |
| Total noninterest expense | $11,189,000 | 1,283 |
| Salaries and employee benefits | $5,577,000 | 1,203 |
| Premises and equipment expense | $1,079,000 | 1,872 |
| Additional noninterest expense | $4,533,000 | 1,209 |
| Pre-tax net operating income | $7,726,000 | 1,009 |
| Securities gains (losses) | $-384,000 | 11,778 |
| Applicable income taxes | $1,960,000 | 1,298 |
| Income before extraordinary items | $5,382,000 | 990 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $5,382,000 | 989 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 3,716 |
| Cash dividends | $1,082,000 | 1,906 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $5,662,320 | 938 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $25,613,000 | 1,223 |
| Total interest expense | $9,942,000 | 1,324 |
| Net interest income | $15,671,000 | 1,163 |
| Provision for loan and lease losses | $-287,000 | 12,386 |
| Total noninterest income | $2,498,000 | 1,563 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $718,000 | 1,876 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,780,000 | 1,229 |
| Total noninterest expense | $11,539,000 | 1,284 |
| Salaries and employee benefits | $5,263,000 | 1,276 |
| Premises and equipment expense | $1,046,000 | 1,945 |
| Additional noninterest expense | $5,230,000 | 1,132 |
| Pre-tax net operating income | $6,917,000 | 1,095 |
| Securities gains (losses) | $-3,880,000 | 12,537 |
| Applicable income taxes | $1,436,000 | 1,615 |
| Income before extraordinary items | $1,601,000 | 3,010 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,601,000 | 3,019 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $866,000 | 955 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $4,084,200 | 1,249 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $27,211,000 | 1,174 |
| Total interest expense | $12,696,000 | 1,060 |
| Net interest income | $14,515,000 | 1,247 |
| Provision for loan and lease losses | $1,023,000 | 1,274 |
| Total noninterest income | $3,931,000 | 1,180 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $652,000 | 2,098 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $3,279,000 | 903 |
| Total noninterest expense | $12,913,000 | 1,200 |
| Salaries and employee benefits | $5,823,000 | 1,163 |
| Premises and equipment expense | $1,678,000 | 1,275 |
| Additional noninterest expense | $5,412,000 | 1,191 |
| Pre-tax net operating income | $4,510,000 | 1,549 |
| Securities gains (losses) | $1,332,000 | 428 |
| Applicable income taxes | $-1,468,000 | 13,205 |
| Income before extraordinary items | $7,310,000 | 712 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $7,310,000 | 736 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,217,000 | 996 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $5,978,000 | 830 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $33,096,000 | 1,094 |
| Total interest expense | $18,893,000 | 954 |
| Net interest income | $14,203,000 | 1,309 |
| Provision for loan and lease losses | $2,097,000 | 1,121 |
| Total noninterest income | $2,954,000 | 1,459 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $707,000 | 1,913 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $2,247,000 | 1,154 |
| Total noninterest expense | $13,191,000 | 1,204 |
| Salaries and employee benefits | $5,387,000 | 1,245 |
| Premises and equipment expense | $2,032,000 | 1,106 |
| Additional noninterest expense | $5,772,000 | 1,169 |
| Pre-tax net operating income | $1,869,000 | 3,313 |
| Securities gains (losses) | $761,000 | 789 |
| Applicable income taxes | $-453,000 | 13,745 |
| Income before extraordinary items | $3,083,000 | 1,507 |
| Extraordinary gains, net | $357,000 | 266 |
| Net income | $3,440,000 | 1,361 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,693,000 | 641 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,322,000 | 1,823 |
* 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.