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Washington County National Bank, Income and Expense

1996-12-31 (YTD Data)Rank
Total interest income$10,469,0003,144
Total interest expense$4,287,0003,481
Net interest income$6,182,0002,873
Provision for loan and lease losses$-180,00011,329
Total noninterest income$807,0003,684
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$357,0003,689
Trading account gains and fees$0262
Additional Noninterest Income$450,0003,144
Total noninterest expense$4,510,0003,006
Salaries and employee benefits$2,605,0002,565
Premises and equipment expense$459,0004,047
Additional noninterest expense$1,446,0003,221
Pre-tax net operating income$2,659,0002,632
Securities gains (losses)$-49,00011,031
Applicable income taxes$795,0002,865
Income before extraordinary items$1,815,0002,681
Extraordinary gains, net$053
Net income$1,815,0002,683
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$6,0007,912
Cash dividends$735,0002,666
Sale, conversion, retirement of capital stock, net$0953
Net operating income$1,849,3002,584
1995-12-31 (YTD Data)Rank
Total interest income$9,783,0003,351
Total interest expense$4,103,0003,599
Net interest income$5,680,0003,140
Provision for loan and lease losses$-216,00011,822
Total noninterest income$476,0005,361
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$294,0004,367
Trading account gains and fees$0522
Additional Noninterest Income$182,0005,396
Total noninterest expense$4,510,0002,980
Salaries and employee benefits$2,456,0002,718
Premises and equipment expense$455,0004,080
Additional noninterest expense$1,599,0002,926
Pre-tax net operating income$1,862,0003,721
Securities gains (losses)$03,831
Applicable income taxes$458,0004,475
Income before extraordinary items$1,404,0003,451
Extraordinary gains, net$065
Net income$1,404,0003,449
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$539,0001,312
Cash dividends$369,0004,080
Sale, conversion, retirement of capital stock, net$0809
Net operating income$1,404,0003,420
1994-12-31 (YTD Data)Rank
Total interest income$9,412,0003,209
Total interest expense$3,704,0003,297
Net interest income$5,708,0003,141
Provision for loan and lease losses$45,0006,361
Total noninterest income$393,0006,209
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$248,0005,083
Trading account gains and fees$0475
Additional Noninterest Income$145,0006,300
Total noninterest expense$4,743,0002,910
Salaries and employee benefits$2,299,0002,875
Premises and equipment expense$545,0003,545
Additional noninterest expense$1,899,0002,689
Pre-tax net operating income$1,313,0004,905
Securities gains (losses)$-51,00011,045
Applicable income taxes$381,0004,935
Income before extraordinary items$881,0004,994
Extraordinary gains, net$0249
Net income$881,0004,999
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$214,0002,377
Cash dividends$375,0003,898
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$916,7004,897
1993-12-31 (YTD Data)Rank
Total interest income$9,940,0003,106
Total interest expense$3,857,0003,271
Net interest income$6,083,0002,988
Provision for loan and lease losses$2,295,000736
Total noninterest income$435,0006,137
Gross Fiduciary activities income$32,0001,404
Service charges on deposit accounts$271,0004,811
Trading account gains and fees$0532
Additional Noninterest Income$132,0006,969
Total noninterest expense$4,279,0003,277
Salaries and employee benefits$2,137,0003,065
Premises and equipment expense$432,0004,408
Additional noninterest expense$1,710,0003,114
Pre-tax net operating income$-56,00012,547
Securities gains (losses)$16,0004,943
Applicable income taxes$413,0004,893
Income before extraordinary items$-453,00012,880
Extraordinary gains, net$-37,00012,619
Net income$-490,00012,896
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$206,0003,087
Cash dividends$375,0003,834
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$-469,00012,823
1992-12-31 (YTD Data)Rank
Total interest income$11,016,0003,187
Total interest expense$4,972,0003,326
Net interest income$6,044,0003,029
Provision for loan and lease losses$427,0003,314
Total noninterest income$398,0006,564
Gross Fiduciary activities income$3,0001,618
Service charges on deposit accounts$262,0004,957
Trading account gains and fees$0504
Additional Noninterest Income$133,0007,087
Total noninterest expense$3,665,0003,779
Salaries and employee benefits$1,871,0003,407
Premises and equipment expense$520,0003,832
Additional noninterest expense$1,274,0004,114
Pre-tax net operating income$2,350,0002,652
Securities gains (losses)$18,0005,726
Applicable income taxes$701,0002,972
Income before extraordinary items$1,667,0002,764
Extraordinary gains, net$01,422
Net income$1,667,0002,802
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$462,0002,597
Cash dividends$371,0003,510
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$1,654,4002,575

* 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.