Home > West Columbia National Bank > Income and Expense

West Columbia National Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$79,000	11,425
Total interest expense	$13,000	11,407
Net interest income	$66,000	11,414
Provision for loan and lease losses	$0	9,041
Total noninterest income	$9,000	11,320
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$8,000	9,783
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,000	11,358
Total noninterest expense	$8,000	11,449
Salaries and employee benefits	$1,000	11,437
Premises and equipment expense	$1,000	11,416
Additional noninterest expense	$6,000	11,448
Pre-tax net operating income	$67,000	10,523
Securities gains (losses)	$0	4,148
Applicable income taxes	$24,000	10,128
Income before extraordinary items	$43,000	10,621
Extraordinary gains, net	$0	53
Net income	$43,000	10,619
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	9,914
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$43,000	10,569
1995-12-31 (YTD Data)		Rank
Total interest income	$2,631,000	8,748
Total interest expense	$931,000	9,499
Net interest income	$1,700,000	8,015
Provision for loan and lease losses	$0	8,958
Total noninterest income	$890,000	3,393
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$367,000	3,615
Trading account gains and fees	NA	NA
Additional Noninterest Income	$523,000	2,788
Total noninterest expense	$1,609,000	6,953
Salaries and employee benefits	$864,000	6,737
Premises and equipment expense	$289,000	5,795
Additional noninterest expense	$456,000	7,647
Pre-tax net operating income	$981,000	6,077
Securities gains (losses)	$0	3,831
Applicable income taxes	$333,000	5,623
Income before extraordinary items	$648,000	6,327
Extraordinary gains, net	$0	65
Net income	$648,000	6,325
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$31,000	5,954
Cash dividends	$300,000	4,483
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$648,000	6,307
1994-12-31 (YTD Data)		Rank
Total interest income	$2,331,000	9,202
Total interest expense	$741,000	9,872
Net interest income	$1,590,000	8,608
Provision for loan and lease losses	$105,000	4,433
Total noninterest income	$643,000	4,410
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$355,000	3,787
Trading account gains and fees	NA	NA
Additional Noninterest Income	$288,000	4,207
Total noninterest expense	$1,624,000	7,218
Salaries and employee benefits	$729,000	7,680
Premises and equipment expense	$295,000	5,794
Additional noninterest expense	$600,000	7,042
Pre-tax net operating income	$504,000	8,624
Securities gains (losses)	$3,000	2,889
Applicable income taxes	$-9,000	12,080
Income before extraordinary items	$516,000	7,182
Extraordinary gains, net	$0	249
Net income	$516,000	7,190
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$189,000	2,585
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$513,000	7,247
1993-12-31 (YTD Data)		Rank
Total interest income	$2,145,000	9,904
Total interest expense	$721,000	10,462
Net interest income	$1,424,000	9,351
Provision for loan and lease losses	$-297,000	13,099
Total noninterest income	$449,000	6,005
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$370,000	3,699
Trading account gains and fees	NA	NA
Additional Noninterest Income	$79,000	8,670
Total noninterest expense	$1,630,000	7,407
Salaries and employee benefits	$710,000	7,938
Premises and equipment expense	$274,000	6,283
Additional noninterest expense	$646,000	6,962
Pre-tax net operating income	$540,000	8,374
Securities gains (losses)	$-2,000	12,373
Applicable income taxes	$0	12,141
Income before extraordinary items	$538,000	7,244
Extraordinary gains, net	$147,000	1,256
Net income	$685,000	6,365
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$229,000	2,880
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$540,000	6,974
1992-12-31 (YTD Data)		Rank
Total interest income	$2,502,000	9,915
Total interest expense	$997,000	10,400
Net interest income	$1,505,000	9,257
Provision for loan and lease losses	$-155,000	13,780
Total noninterest income	$538,000	5,347
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$456,000	3,061
Trading account gains and fees	NA	NA
Additional Noninterest Income	$82,000	8,755
Total noninterest expense	$1,754,000	7,090
Salaries and employee benefits	$683,000	8,122
Premises and equipment expense	$277,000	6,329
Additional noninterest expense	$794,000	6,105
Pre-tax net operating income	$444,000	8,853
Securities gains (losses)	$102,000	2,973
Applicable income taxes	$180,000	7,969
Income before extraordinary items	$366,000	8,542
Extraordinary gains, net	$180,000	481
Net income	$546,000	7,038
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$395,000	2,845
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$297,660	8,971

* 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.