Home > Western Bank & Trust > Income and Expense

Western Bank & Trust, Income and Expense

2003-09-30 (YTD Data)		Rank
Total interest income	$1,684,000	7,400
Total interest expense	$783,000	6,132
Net interest income	$901,000	7,877
Provision for loan and lease losses	$38,000	6,187
Total noninterest income	$265,000	6,276
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$122,000	5,757
Trading account gains and fees	$0	153
Additional Noninterest Income	$143,000	5,434
Total noninterest expense	$777,000	7,796
Salaries and employee benefits	$435,000	7,742
Premises and equipment expense	$105,000	7,546
Additional noninterest expense	$237,000	7,679
Pre-tax net operating income	$351,000	6,948
Securities gains (losses)	$0	4,204
Applicable income taxes	$127,000	5,310
Income before extraordinary items	$224,000	7,428
Extraordinary gains, net	$0	40
Net income	$224,000	7,431
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	8,128
Cash dividends	$47,000	5,159
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$224,000	7,272
2003-06-30 (YTD Data)		Rank
Total interest income	$1,088,000	7,515
Total interest expense	$524,000	6,239
Net interest income	$564,000	8,019
Provision for loan and lease losses	$27,000	6,031
Total noninterest income	$180,000	6,230
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$79,000	5,792
Trading account gains and fees	$0	150
Additional Noninterest Income	$101,000	5,311
Total noninterest expense	$525,000	7,793
Salaries and employee benefits	$291,000	7,764
Premises and equipment expense	$69,000	7,580
Additional noninterest expense	$165,000	7,569
Pre-tax net operating income	$192,000	7,272
Securities gains (losses)	$0	3,782
Applicable income taxes	$68,000	5,588
Income before extraordinary items	$124,000	7,707
Extraordinary gains, net	$0	30
Net income	$124,000	7,709
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	6,334
Cash dividends	$25,000	4,993
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$124,000	7,530
2003-03-31 (YTD Data)		Rank
Total interest income	$541,000	7,558
Total interest expense	$265,000	6,314
Net interest income	$276,000	8,097
Provision for loan and lease losses	$16,000	5,479
Total noninterest income	$81,000	6,405
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$38,000	5,790
Trading account gains and fees	$0	134
Additional Noninterest Income	$43,000	5,547
Total noninterest expense	$262,000	7,823
Salaries and employee benefits	$147,000	7,762
Premises and equipment expense	$35,000	7,597
Additional noninterest expense	$80,000	7,665
Pre-tax net operating income	$79,000	7,540
Securities gains (losses)	$0	2,891
Applicable income taxes	$28,000	5,789
Income before extraordinary items	$51,000	7,870
Extraordinary gains, net	$0	21
Net income	$51,000	7,869
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	5,250
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$51,000	7,718
2002-12-31 (YTD Data)		Rank
Total interest income	$2,581,000	7,278
Total interest expense	$1,236,000	6,338
Net interest income	$1,345,000	7,688
Provision for loan and lease losses	$51,000	6,669
Total noninterest income	$365,000	6,001
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$169,000	5,609
Trading account gains and fees	$0	153
Additional Noninterest Income	$196,000	5,074
Total noninterest expense	$1,094,000	7,726
Salaries and employee benefits	$606,000	7,684
Premises and equipment expense	$135,000	7,649
Additional noninterest expense	$353,000	7,456
Pre-tax net operating income	$565,000	6,533
Securities gains (losses)	$0	4,537
Applicable income taxes	$217,000	4,999
Income before extraordinary items	$348,000	7,078
Extraordinary gains, net	$0	70
Net income	$348,000	7,079
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-4,000	8,649
Cash dividends	$66,000	5,829
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$348,000	6,960
2001-12-31 (YTD Data)		Rank
Total interest income	$2,794,000	7,459
Total interest expense	$1,593,000	6,796
Net interest income	$1,201,000	7,883
Provision for loan and lease losses	$57,000	6,529
Total noninterest income	$307,000	6,362
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$140,000	5,943
Trading account gains and fees	$0	177
Additional Noninterest Income	$167,000	5,302
Total noninterest expense	$963,000	8,059
Salaries and employee benefits	$507,000	8,141
Premises and equipment expense	$136,000	7,751
Additional noninterest expense	$320,000	7,702
Pre-tax net operating income	$488,000	6,598
Securities gains (losses)	$0	4,612
Applicable income taxes	$192,000	5,105
Income before extraordinary items	$296,000	7,175
Extraordinary gains, net	$0	105
Net income	$296,000	7,176
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$32,000	5,750
Cash dividends	$59,000	6,091
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$296,000	7,045
2000-12-31 (YTD Data)		Rank
Total interest income	$2,682,000	7,727
Total interest expense	$1,562,000	7,037
Net interest income	$1,120,000	8,246
Provision for loan and lease losses	$37,000	6,967
Total noninterest income	$272,000	6,552
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$134,000	5,996
Trading account gains and fees	NA	NA
Additional Noninterest Income	$138,000	5,687
Total noninterest expense	$912,000	8,271
Salaries and employee benefits	$496,000	8,259
Premises and equipment expense	$111,000	8,251
Additional noninterest expense	$305,000	7,905
Pre-tax net operating income	$443,000	7,264
Securities gains (losses)	$0	1,956
Applicable income taxes	$176,000	5,654
Income before extraordinary items	$267,000	7,675
Extraordinary gains, net	$0	38
Net income	$267,000	7,676
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$50,000	4,757
Cash dividends	$50,000	6,383
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$267,000	7,674
1999-12-31 (YTD Data)		Rank
Total interest income	$2,278,000	8,164
Total interest expense	$1,276,000	7,457
Net interest income	$1,002,000	8,625
Provision for loan and lease losses	$78,000	5,718
Total noninterest income	$265,000	6,785
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$143,000	5,962
Trading account gains and fees	NA	NA
Additional Noninterest Income	$122,000	6,135
Total noninterest expense	$843,000	8,611
Salaries and employee benefits	$479,000	8,465
Premises and equipment expense	$106,000	8,515
Additional noninterest expense	$258,000	8,481
Pre-tax net operating income	$346,000	7,859
Securities gains (losses)	$0	3,155
Applicable income taxes	$137,000	6,439
Income before extraordinary items	$209,000	8,233
Extraordinary gains, net	$0	35
Net income	$209,000	8,231
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	8,900
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$209,000	8,201
1998-12-31 (YTD Data)		Rank
Total interest income	$2,111,000	8,539
Total interest expense	$1,322,000	7,610
Net interest income	$789,000	9,281
Provision for loan and lease losses	$77,000	5,674
Total noninterest income	$219,000	7,344
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$83,000	7,212
Trading account gains and fees	NA	NA
Additional Noninterest Income	$136,000	5,926
Total noninterest expense	$795,000	8,788
Salaries and employee benefits	$451,000	8,649
Premises and equipment expense	$84,000	9,069
Additional noninterest expense	$260,000	8,505
Pre-tax net operating income	$136,000	9,247
Securities gains (losses)	$0	4,449
Applicable income taxes	$67,000	8,035
Income before extraordinary items	$69,000	9,519
Extraordinary gains, net	$0	32
Net income	$69,000	9,519
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	7,124
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$69,000	9,455
1997-12-31 (YTD Data)		Rank
Total interest income	$1,626,000	9,523
Total interest expense	$1,021,000	8,628
Net interest income	$605,000	10,175
Provision for loan and lease losses	$90,000	5,371
Total noninterest income	$121,000	9,049
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$39,000	8,702
Trading account gains and fees	NA	NA
Additional Noninterest Income	$82,000	7,323
Total noninterest expense	$774,000	9,130
Salaries and employee benefits	$421,000	9,132
Premises and equipment expense	$83,000	9,364
Additional noninterest expense	$270,000	8,624
Pre-tax net operating income	$-138,000	10,521
Securities gains (losses)	$3,000	3,097
Applicable income taxes	$-32,000	10,587
Income before extraordinary items	$-103,000	10,525
Extraordinary gains, net	$0	44
Net income	$-103,000	10,528
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	7,835
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$-105,280	10,498
1996-12-31 (YTD Data)		Rank
Total interest income	$44,000	11,438
Total interest expense	$32,000	11,382
Net interest income	$12,000	11,443
Provision for loan and lease losses	$10,000	8,531
Total noninterest income	$1,000	11,397
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$1,000	9,883
Trading account gains and fees	NA	NA
Additional Noninterest Income	$0	11,390
Total noninterest expense	$132,000	11,421
Salaries and employee benefits	$46,000	11,419
Premises and equipment expense	$12,000	11,368
Additional noninterest expense	$74,000	11,283
Pre-tax net operating income	$-129,000	10,999
Securities gains (losses)	$0	4,148
Applicable income taxes	$-43,000	11,058
Income before extraordinary items	$-86,000	10,977
Extraordinary gains, net	$0	53
Net income	$-86,000	10,976
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,805
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$-86,000	10,930
1995-12-31 (YTD Data)		Rank
Total interest income	$447,000	11,813
Total interest expense	$182,000	11,774
Net interest income	$265,000	11,801
Provision for loan and lease losses	$0	8,958
Total noninterest income	$19,000	11,786
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$14,000	10,123
Trading account gains and fees	NA	NA
Additional Noninterest Income	$5,000	11,753
Total noninterest expense	$242,000	11,822
Salaries and employee benefits	$50,000	11,944
Premises and equipment expense	$26,000	11,697
Additional noninterest expense	$166,000	10,864
Pre-tax net operating income	$42,000	11,342
Securities gains (losses)	$0	3,831
Applicable income taxes	$4,000	11,033
Income before extraordinary items	$38,000	11,352
Extraordinary gains, net	$0	65
Net income	$38,000	11,350
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	8,178
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$38,000	11,317
1994-12-31 (YTD Data)		Rank
Total interest income	$426,000	12,457
Total interest expense	$158,000	12,433
Net interest income	$268,000	12,446
Provision for loan and lease losses	$33,000	6,965
Total noninterest income	$48,000	11,979
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$17,000	10,605
Trading account gains and fees	NA	NA
Additional Noninterest Income	$31,000	10,719
Total noninterest expense	$229,000	12,482
Salaries and employee benefits	$90,000	12,532
Premises and equipment expense	$32,000	12,185
Additional noninterest expense	$107,000	12,238
Pre-tax net operating income	$54,000	11,894
Securities gains (losses)	$0	3,600
Applicable income taxes	$0	11,630
Income before extraordinary items	$54,000	11,776
Extraordinary gains, net	$3,000	237
Net income	$57,000	11,764
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$28,000	6,088
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$54,000	11,819
1993-12-31 (YTD Data)		Rank
Total interest income	$509,000	13,053
Total interest expense	$200,000	12,991
Net interest income	$309,000	12,995
Provision for loan and lease losses	$12,000	9,545
Total noninterest income	$39,000	12,795
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$13,000	11,144
Trading account gains and fees	NA	NA
Additional Noninterest Income	$26,000	11,580
Total noninterest expense	$279,000	13,034
Salaries and employee benefits	$135,000	13,066
Premises and equipment expense	$34,000	12,727
Additional noninterest expense	$110,000	12,852
Pre-tax net operating income	$57,000	12,139
Securities gains (losses)	$6,000	5,977
Applicable income taxes	$0	12,141
Income before extraordinary items	$63,000	12,152
Extraordinary gains, net	$0	3,149
Net income	$63,000	12,183
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,000	7,819
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$57,000	12,050
1992-12-31 (YTD Data)		Rank
Total interest income	$579,000	13,635
Total interest expense	$267,000	13,566
Net interest income	$312,000	13,605
Provision for loan and lease losses	$0	11,756
Total noninterest income	$10,000	13,798
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$4,000	11,701
Trading account gains and fees	NA	NA
Additional Noninterest Income	$6,000	13,603
Total noninterest expense	$296,000	13,575
Salaries and employee benefits	$131,000	13,674
Premises and equipment expense	$47,000	12,796
Additional noninterest expense	$118,000	13,350
Pre-tax net operating income	$26,000	12,564
Securities gains (losses)	$-1,000	12,730
Applicable income taxes	$0	12,680
Income before extraordinary items	$25,000	12,742
Extraordinary gains, net	$0	1,422
Net income	$25,000	12,739
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,000	9,104
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$26,000	12,501

* 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.