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Waverly Bank, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$1,504,0009,289
Total interest expense$610,0009,448
Net interest income$894,0009,034
Provision for loan and lease losses$6,0008,399
Total noninterest income$353,0005,985
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$117,0006,528
Trading account gains and feesNANA
Additional Noninterest Income$236,0004,536
Total noninterest expense$1,011,0008,084
Salaries and employee benefits$542,0008,102
Premises and equipment expense$180,0007,052
Additional noninterest expense$289,0008,231
Pre-tax net operating income$230,0008,769
Securities gains (losses)$04,449
Applicable income taxes$86,0007,734
Income before extraordinary items$144,0009,020
Extraordinary gains, net$032
Net income$144,0009,018
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$7,0007,302
Cash dividends$24,0007,221
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$144,0008,958
1997-12-31 (YTD Data)Rank
Total interest income$1,472,0009,704
Total interest expense$632,0009,737
Net interest income$840,0009,575
Provision for loan and lease losses$114,0004,905
Total noninterest income$571,0004,562
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$122,0006,714
Trading account gains and feesNANA
Additional Noninterest Income$449,0003,045
Total noninterest expense$1,033,0008,234
Salaries and employee benefits$624,0007,762
Premises and equipment expense$160,0007,589
Additional noninterest expense$249,0008,860
Pre-tax net operating income$264,0009,217
Securities gains (losses)$03,944
Applicable income taxes$95,0008,486
Income before extraordinary items$169,0009,411
Extraordinary gains, net$044
Net income$169,0009,413
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$53,0005,034
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$169,0009,367
1996-12-31 (YTD Data)Rank
Total interest income$1,152,00010,589
Total interest expense$429,00010,801
Net interest income$723,00010,318
Provision for loan and lease losses$09,041
Total noninterest income$134,0009,288
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$97,0007,562
Trading account gains and feesNANA
Additional Noninterest Income$37,0009,496
Total noninterest expense$761,0009,581
Salaries and employee benefits$380,0009,743
Premises and equipment expense$168,0007,663
Additional noninterest expense$213,0009,784
Pre-tax net operating income$96,00010,382
Securities gains (losses)$04,148
Applicable income taxes$30,00010,034
Income before extraordinary items$66,00010,485
Extraordinary gains, net$053
Net income$66,00010,484
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,805
Cash dividends$24,0008,001
Sale, conversion, retirement of capital stock, net$0953
Net operating income$66,00010,438
1995-12-31 (YTD Data)Rank
Total interest income$895,00011,433
Total interest expense$296,00011,585
Net interest income$599,00011,131
Provision for loan and lease losses$22,0007,572
Total noninterest income$100,00010,271
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$75,0008,443
Trading account gains and feesNANA
Additional Noninterest Income$25,00010,586
Total noninterest expense$616,00010,509
Salaries and employee benefits$291,00010,826
Premises and equipment expense$120,0009,038
Additional noninterest expense$205,00010,353
Pre-tax net operating income$61,00011,266
Securities gains (losses)$03,831
Applicable income taxes$35,00010,480
Income before extraordinary items$26,00011,408
Extraordinary gains, net$065
Net income$26,00011,405
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$14,0007,103
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$329,000425
Net operating income$26,00011,373
1994-12-31 (YTD Data)Rank
Total interest income$681,00012,228
Total interest expense$198,00012,338
Net interest income$483,00012,056
Provision for loan and lease losses$09,146
Total noninterest income$67,00011,559
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$47,0009,795
Trading account gains and feesNANA
Additional Noninterest Income$20,00011,420
Total noninterest expense$423,00011,944
Salaries and employee benefits$217,00011,938
Premises and equipment expense$65,00011,133
Additional noninterest expense$141,00011,905
Pre-tax net operating income$127,00011,437
Securities gains (losses)$03,600
Applicable income taxes$42,00010,655
Income before extraordinary items$85,00011,522
Extraordinary gains, net$0249
Net income$85,00011,529
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,0008,704
Cash dividends$35,0008,283
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$85,00011,573
1993-12-31 (YTD Data)Rank
Total interest income$613,00012,928
Total interest expense$208,00012,969
Net interest income$405,00012,804
Provision for loan and lease losses$-10,00012,495
Total noninterest income$72,00012,009
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$51,00010,018
Trading account gains and feesNANA
Additional Noninterest Income$21,00011,957
Total noninterest expense$414,00012,578
Salaries and employee benefits$202,00012,618
Premises and equipment expense$63,00011,742
Additional noninterest expense$149,00012,442
Pre-tax net operating income$73,00012,034
Securities gains (losses)$07,477
Applicable income taxes$-4,00012,750
Income before extraordinary items$77,00012,038
Extraordinary gains, net$03,149
Net income$77,00012,065
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$09,922
Cash dividends$10,0008,880
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$77,00011,861
1992-12-31 (YTD Data)Rank
Total interest income$730,00013,450
Total interest expense$290,00013,504
Net interest income$440,00013,266
Provision for loan and lease losses$011,756
Total noninterest income$72,00012,504
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$53,00010,193
Trading account gains and feesNANA
Additional Noninterest Income$19,00012,651
Total noninterest expense$394,00013,196
Salaries and employee benefits$183,00013,308
Premises and equipment expense$63,00012,143
Additional noninterest expense$148,00012,985
Pre-tax net operating income$118,00011,835
Securities gains (losses)$08,369
Applicable income taxes$35,00011,656
Income before extraordinary items$83,00012,177
Extraordinary gains, net$01,422
Net income$83,00012,218
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,00010,714
Cash dividends$65,0007,330
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$83,00011,878

* 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.