Home > WEST UNIVERSITY BANK > Income and Expense
WEST UNIVERSITY BANK, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,551,000 | 6,174 |
| Total interest expense | $1,536,000 | 7,260 |
| Net interest income | $3,015,000 | 5,282 |
| Provision for loan and lease losses | $125,000 | 4,524 |
| Total noninterest income | $614,000 | 4,352 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $351,000 | 3,604 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $263,000 | 4,249 |
| Total noninterest expense | $3,702,000 | 3,414 |
| Salaries and employee benefits | $2,017,000 | 3,280 |
| Premises and equipment expense | $537,000 | 3,480 |
| Additional noninterest expense | $1,148,000 | 3,473 |
| Pre-tax net operating income | $-198,000 | 10,562 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $-198,000 | 10,607 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-198,000 | 10,607 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 6,932 |
| Cash dividends | $40,000 | 7,339 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-198,000 | 10,580 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,309,000 | 6,570 |
| Total interest expense | $1,464,000 | 7,663 |
| Net interest income | $2,845,000 | 5,667 |
| Provision for loan and lease losses | $-107,000 | 11,283 |
| Total noninterest income | $390,000 | 6,024 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $323,000 | 3,996 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $67,000 | 8,207 |
| Total noninterest expense | $3,180,000 | 4,108 |
| Salaries and employee benefits | $1,662,000 | 3,929 |
| Premises and equipment expense | $543,000 | 3,520 |
| Additional noninterest expense | $975,000 | 4,498 |
| Pre-tax net operating income | $162,000 | 10,011 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $7,000 | 10,417 |
| Income before extraordinary items | $155,000 | 9,735 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $155,000 | 9,734 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,767 |
| Cash dividends | $25,000 | 7,964 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $155,000 | 9,672 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,424,000 | 6,538 |
| Total interest expense | $1,384,000 | 8,025 |
| Net interest income | $3,040,000 | 5,443 |
| Provision for loan and lease losses | $20,000 | 7,637 |
| Total noninterest income | $745,000 | 3,895 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $249,000 | 4,970 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $496,000 | 2,892 |
| Total noninterest expense | $2,872,000 | 4,444 |
| Salaries and employee benefits | $1,484,000 | 4,328 |
| Premises and equipment expense | $408,000 | 4,468 |
| Additional noninterest expense | $980,000 | 4,426 |
| Pre-tax net operating income | $893,000 | 6,455 |
| Securities gains (losses) | $-8,000 | 9,956 |
| Applicable income taxes | $269,000 | 6,377 |
| Income before extraordinary items | $616,000 | 6,521 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $616,000 | 6,519 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-41,000 | 11,384 |
| Cash dividends | $105,000 | 6,676 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $621,600 | 6,471 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,989,000 | 6,707 |
| Total interest expense | $1,094,000 | 8,311 |
| Net interest income | $2,895,000 | 5,750 |
| Provision for loan and lease losses | $106,000 | 4,419 |
| Total noninterest income | $147,000 | 9,754 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $300,000 | 4,359 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $-153,000 | 12,620 |
| Total noninterest expense | $2,434,000 | 5,277 |
| Salaries and employee benefits | $1,295,000 | 4,902 |
| Premises and equipment expense | $315,000 | 5,499 |
| Additional noninterest expense | $824,000 | 5,566 |
| Pre-tax net operating income | $502,000 | 8,640 |
| Securities gains (losses) | $-7,000 | 9,611 |
| Applicable income taxes | $134,000 | 8,630 |
| Income before extraordinary items | $361,000 | 8,541 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $361,000 | 8,546 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,780 |
| Cash dividends | $350,000 | 4,074 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $366,110 | 8,535 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,727,000 | 7,222 |
| Total interest expense | $1,124,000 | 8,587 |
| Net interest income | $2,603,000 | 6,347 |
| Provision for loan and lease losses | $34,000 | 8,267 |
| Total noninterest income | $482,000 | 5,741 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $335,000 | 4,029 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $147,000 | 6,629 |
| Total noninterest expense | $2,398,000 | 5,451 |
| Salaries and employee benefits | $1,267,000 | 4,990 |
| Premises and equipment expense | $285,000 | 6,106 |
| Additional noninterest expense | $846,000 | 5,650 |
| Pre-tax net operating income | $653,000 | 7,616 |
| Securities gains (losses) | $23,000 | 4,484 |
| Applicable income taxes | $107,000 | 9,575 |
| Income before extraordinary items | $569,000 | 7,023 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $569,000 | 7,188 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 7,224 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $549,680 | 6,895 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,065,000 | 7,424 |
| Total interest expense | $1,436,000 | 8,721 |
| Net interest income | $2,629,000 | 6,363 |
| Provision for loan and lease losses | $83,000 | 7,797 |
| Total noninterest income | $491,000 | 5,710 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $301,000 | 4,427 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $190,000 | 5,835 |
| Total noninterest expense | $2,376,000 | 5,534 |
| Salaries and employee benefits | $1,257,000 | 4,953 |
| Premises and equipment expense | $240,000 | 6,971 |
| Additional noninterest expense | $879,000 | 5,634 |
| Pre-tax net operating income | $661,000 | 7,312 |
| Securities gains (losses) | $45,000 | 4,303 |
| Applicable income taxes | $200,000 | 7,567 |
| Income before extraordinary items | $506,000 | 7,274 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $506,000 | 7,365 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $138,000 | 5,100 |
| Cash dividends | $140,000 | 5,918 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $473,600 | 7,191 |
* 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.