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West Burlington Bank, Income and Expense

2001-12-31 (YTD Data)Rank
Total interest income$3,564,0006,719
Total interest expense$1,646,0006,697
Net interest income$1,918,0006,563
Provision for loan and lease losses$60,0006,353
Total noninterest income$500,0005,070
Gross Fiduciary activities income$11,0001,408
Service charges on deposit accounts$285,0004,290
Trading account gains and fees$0177
Additional Noninterest Income$204,0004,883
Total noninterest expense$1,788,0006,152
Salaries and employee benefits$947,0006,182
Premises and equipment expense$268,0005,874
Additional noninterest expense$573,0006,011
Pre-tax net operating income$570,0006,280
Securities gains (losses)$04,612
Applicable income taxes$29,0007,102
Income before extraordinary items$541,0005,884
Extraordinary gains, net$0105
Net income$541,0005,886
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$28,0005,919
Cash dividends$363,0004,063
Sale, conversion, retirement of capital stock, net$0922
Net operating income$541,0005,764
2000-12-31 (YTD Data)Rank
Total interest income$3,497,0006,937
Total interest expense$1,659,0006,840
Net interest income$1,838,0006,847
Provision for loan and lease losses$75,0005,850
Total noninterest income$493,0004,954
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$297,0004,090
Trading account gains and feesNANA
Additional Noninterest Income$196,0004,850
Total noninterest expense$1,714,0006,244
Salaries and employee benefits$934,0006,184
Premises and equipment expense$256,0005,964
Additional noninterest expense$524,0006,253
Pre-tax net operating income$542,0006,809
Securities gains (losses)$-7,0008,117
Applicable income taxes$27,0007,689
Income before extraordinary items$508,0006,267
Extraordinary gains, net$038
Net income$508,0006,265
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$107,0003,458
Cash dividends$357,0004,169
Sale, conversion, retirement of capital stock, net$0969
Net operating income$514,6506,263
1999-12-31 (YTD Data)Rank
Total interest income$3,385,0006,950
Total interest expense$1,581,0006,768
Net interest income$1,804,0007,005
Provision for loan and lease losses$14,0007,935
Total noninterest income$366,0005,864
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$254,0004,479
Trading account gains and feesNANA
Additional Noninterest Income$112,0006,354
Total noninterest expense$1,727,0006,237
Salaries and employee benefits$871,0006,447
Premises and equipment expense$300,0005,462
Additional noninterest expense$556,0006,110
Pre-tax net operating income$429,0007,454
Securities gains (losses)$03,155
Applicable income taxes$90,0007,066
Income before extraordinary items$339,0007,352
Extraordinary gains, net$035
Net income$339,0007,354
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$12,0006,647
Cash dividends$80,0006,280
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$339,0007,324
1998-12-31 (YTD Data)Rank
Total interest income$3,275,0007,200
Total interest expense$1,554,0007,081
Net interest income$1,721,0007,237
Provision for loan and lease losses$24,0007,567
Total noninterest income$318,0006,305
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$246,0004,540
Trading account gains and feesNANA
Additional Noninterest Income$72,0007,421
Total noninterest expense$1,602,0006,425
Salaries and employee benefits$813,0006,630
Premises and equipment expense$312,0005,267
Additional noninterest expense$477,0006,597
Pre-tax net operating income$413,0007,807
Securities gains (losses)$6,0003,324
Applicable income taxes$119,0007,259
Income before extraordinary items$300,0007,891
Extraordinary gains, net$032
Net income$300,0007,890
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-5,0009,413
Cash dividends$109,0006,182
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$295,6807,843
1997-12-31 (YTD Data)Rank
Total interest income$3,078,0007,659
Total interest expense$1,432,0007,510
Net interest income$1,646,0007,671
Provision for loan and lease losses$24,0007,686
Total noninterest income$331,0006,329
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$255,0004,591
Trading account gains and feesNANA
Additional Noninterest Income$76,0007,510
Total noninterest expense$1,471,0006,863
Salaries and employee benefits$742,0007,067
Premises and equipment expense$259,0005,930
Additional noninterest expense$470,0006,752
Pre-tax net operating income$482,0008,021
Securities gains (losses)$03,944
Applicable income taxes$144,0007,697
Income before extraordinary items$338,0008,089
Extraordinary gains, net$044
Net income$338,0008,092
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$8,0007,548
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$-312,00010,819
Net operating income$338,0008,045
1996-12-31 (YTD Data)Rank
Total interest income$2,809,0008,261
Total interest expense$1,317,0008,056
Net interest income$1,492,0008,286
Provision for loan and lease losses$32,0007,338
Total noninterest income$340,0006,513
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$266,0004,606
Trading account gains and feesNANA
Additional Noninterest Income$74,0007,943
Total noninterest expense$1,368,0007,468
Salaries and employee benefits$698,0007,548
Premises and equipment expense$228,0006,562
Additional noninterest expense$442,0007,533
Pre-tax net operating income$432,0008,318
Securities gains (losses)$-12,00010,370
Applicable income taxes$95,0008,825
Income before extraordinary items$325,0008,213
Extraordinary gains, net$053
Net income$325,0008,212
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,0008,441
Cash dividends$80,0007,029
Sale, conversion, retirement of capital stock, net$0953
Net operating income$334,2408,062
1995-12-31 (YTD Data)Rank
Total interest income$2,485,0008,996
Total interest expense$1,171,0008,684
Net interest income$1,314,0009,035
Provision for loan and lease losses$14,0008,034
Total noninterest income$361,0006,359
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$251,0004,941
Trading account gains and feesNANA
Additional Noninterest Income$110,0006,935
Total noninterest expense$1,319,0007,815
Salaries and employee benefits$609,0008,303
Premises and equipment expense$221,0006,820
Additional noninterest expense$489,0007,351
Pre-tax net operating income$342,0009,448
Securities gains (losses)$-26,00010,740
Applicable income taxes$19,00010,770
Income before extraordinary items$297,0008,977
Extraordinary gains, net$065
Net income$297,0008,981
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$54,0004,995
Cash dividends$75,0007,260
Sale, conversion, retirement of capital stock, net$0809
Net operating income$321,4408,697
1994-12-31 (YTD Data)Rank
Total interest income$2,328,0009,208
Total interest expense$1,067,0008,407
Net interest income$1,261,0009,588
Provision for loan and lease losses$24,0007,499
Total noninterest income$285,0007,457
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$219,0005,521
Trading account gains and feesNANA
Additional Noninterest Income$66,0008,828
Total noninterest expense$1,192,0008,633
Salaries and employee benefits$544,0009,010
Premises and equipment expense$190,0007,649
Additional noninterest expense$458,0008,249
Pre-tax net operating income$330,0009,909
Securities gains (losses)$-8,0009,681
Applicable income taxes$63,00010,161
Income before extraordinary items$259,0009,596
Extraordinary gains, net$0249
Net income$259,0009,607
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,921
Cash dividends$65,0007,607
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$265,4009,596
1993-12-31 (YTD Data)Rank
Total interest income$2,473,0009,244
Total interest expense$1,171,0008,398
Net interest income$1,302,0009,722
Provision for loan and lease losses$36,0008,112
Total noninterest income$285,0007,870
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$213,0005,731
Trading account gains and feesNANA
Additional Noninterest Income$72,0008,988
Total noninterest expense$1,103,0009,318
Salaries and employee benefits$500,0009,671
Premises and equipment expense$164,0008,533
Additional noninterest expense$439,0008,831
Pre-tax net operating income$448,0009,047
Securities gains (losses)$24,0004,420
Applicable income taxes$124,0009,218
Income before extraordinary items$348,0008,954
Extraordinary gains, net$03,149
Net income$348,0009,126
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-3,00011,177
Cash dividends$65,0007,609
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$330,2408,871
1992-12-31 (YTD Data)Rank
Total interest income$2,595,0009,735
Total interest expense$1,369,0008,965
Net interest income$1,226,00010,230
Provision for loan and lease losses$50,0009,026
Total noninterest income$267,0008,225
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$193,0006,127
Trading account gains and feesNANA
Additional Noninterest Income$74,0009,109
Total noninterest expense$1,009,0009,928
Salaries and employee benefits$465,00010,142
Premises and equipment expense$161,0008,809
Additional noninterest expense$383,0009,787
Pre-tax net operating income$434,0008,930
Securities gains (losses)$1,0007,986
Applicable income taxes$91,00010,135
Income before extraordinary items$344,0008,783
Extraordinary gains, net$01,422
Net income$344,0008,922
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$44,0007,838
Cash dividends$45,0007,841
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$343,2108,426

* 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.