Home > Western Bank & Trust > Income and Expense
Western Bank & Trust, Income and Expense
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,084,000 | 3,451 |
| Total interest expense | $415,000 | 6,880 |
| Net interest income | $3,669,000 | 2,656 |
| Provision for loan and lease losses | $150,000 | 3,000 |
| Total noninterest income | $1,013,000 | 2,341 |
| Gross Fiduciary activities income | $11,000 | 1,214 |
| Service charges on deposit accounts | $760,000 | 1,119 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $242,000 | 3,682 |
| Total noninterest expense | $3,021,000 | 2,578 |
| Salaries and employee benefits | $1,630,000 | 2,570 |
| Premises and equipment expense | $474,000 | 2,365 |
| Additional noninterest expense | $917,000 | 2,572 |
| Pre-tax net operating income | $1,511,000 | 2,576 |
| Securities gains (losses) | $1,000 | 3,586 |
| Applicable income taxes | $436,000 | 2,520 |
| Income before extraordinary items | $1,076,000 | 2,823 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,076,000 | 2,822 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 3,864 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,075,290 | 2,657 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,076,000 | 3,418 |
| Total interest expense | $216,000 | 6,859 |
| Net interest income | $1,860,000 | 2,602 |
| Provision for loan and lease losses | $75,000 | 2,805 |
| Total noninterest income | $483,000 | 2,346 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $372,000 | 1,113 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $111,000 | 3,746 |
| Total noninterest expense | $1,515,000 | 2,555 |
| Salaries and employee benefits | $821,000 | 2,554 |
| Premises and equipment expense | $238,000 | 2,339 |
| Additional noninterest expense | $456,000 | 2,538 |
| Pre-tax net operating income | $753,000 | 2,589 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $256,000 | 2,291 |
| Income before extraordinary items | $497,000 | 2,958 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $497,000 | 2,956 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 3,410 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $497,000 | 2,816 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $9,038,000 | 3,289 |
| Total interest expense | $1,210,000 | 6,397 |
| Net interest income | $7,828,000 | 2,458 |
| Provision for loan and lease losses | $255,000 | 3,810 |
| Total noninterest income | $2,015,000 | 2,116 |
| Gross Fiduciary activities income | $4,000 | 1,538 |
| Service charges on deposit accounts | $1,502,000 | 1,070 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $509,000 | 3,254 |
| Total noninterest expense | $6,436,000 | 2,323 |
| Salaries and employee benefits | $3,422,000 | 2,333 |
| Premises and equipment expense | $979,000 | 2,224 |
| Additional noninterest expense | $2,035,000 | 2,274 |
| Pre-tax net operating income | $3,152,000 | 2,388 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,071,000 | 2,106 |
| Income before extraordinary items | $2,081,000 | 2,717 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,081,000 | 2,716 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $315,000 | 2,289 |
| Cash dividends | $615,000 | 3,107 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,081,000 | 2,625 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $10,732,000 | 3,122 |
| Total interest expense | $2,644,000 | 5,201 |
| Net interest income | $8,088,000 | 2,221 |
| Provision for loan and lease losses | $204,000 | 4,083 |
| Total noninterest income | $1,946,000 | 2,056 |
| Gross Fiduciary activities income | $2,000 | 1,637 |
| Service charges on deposit accounts | $1,486,000 | 997 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $458,000 | 3,277 |
| Total noninterest expense | $6,176,000 | 2,311 |
| Salaries and employee benefits | $3,346,000 | 2,238 |
| Premises and equipment expense | $931,000 | 2,294 |
| Additional noninterest expense | $1,899,000 | 2,353 |
| Pre-tax net operating income | $3,654,000 | 1,912 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $1,203,000 | 1,803 |
| Income before extraordinary items | $2,451,000 | 2,129 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,451,000 | 2,133 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 4,430 |
| Cash dividends | $703,000 | 2,844 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,451,000 | 2,059 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $10,762,000 | 3,193 |
| Total interest expense | $3,078,000 | 4,827 |
| Net interest income | $7,684,000 | 2,313 |
| Provision for loan and lease losses | $218,000 | 3,553 |
| Total noninterest income | $1,624,000 | 2,211 |
| Gross Fiduciary activities income | $4,000 | 1,270 |
| Service charges on deposit accounts | $1,229,000 | 1,106 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $391,000 | 3,406 |
| Total noninterest expense | $5,669,000 | 2,419 |
| Salaries and employee benefits | $2,994,000 | 2,394 |
| Premises and equipment expense | $920,000 | 2,239 |
| Additional noninterest expense | $1,755,000 | 2,447 |
| Pre-tax net operating income | $3,421,000 | 2,122 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,163,000 | 1,867 |
| Income before extraordinary items | $2,258,000 | 2,283 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,258,000 | 2,283 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 4,534 |
| Cash dividends | $596,000 | 3,252 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,258,000 | 2,293 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $9,556,000 | 3,359 |
| Total interest expense | $2,698,000 | 4,972 |
| Net interest income | $6,858,000 | 2,558 |
| Provision for loan and lease losses | $255,000 | 3,010 |
| Total noninterest income | $1,387,000 | 2,420 |
| Gross Fiduciary activities income | $4,000 | 1,311 |
| Service charges on deposit accounts | $1,040,000 | 1,266 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $343,000 | 3,726 |
| Total noninterest expense | $5,228,000 | 2,588 |
| Salaries and employee benefits | $2,670,000 | 2,652 |
| Premises and equipment expense | $846,000 | 2,380 |
| Additional noninterest expense | $1,712,000 | 2,526 |
| Pre-tax net operating income | $2,762,000 | 2,577 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $938,000 | 2,319 |
| Income before extraordinary items | $1,824,000 | 2,774 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,824,000 | 2,775 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $222,000 | 2,240 |
| Cash dividends | $574,000 | 3,255 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,824,000 | 2,742 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,809,000 | 3,602 |
| Total interest expense | $2,800,000 | 4,961 |
| Net interest income | $6,009,000 | 2,866 |
| Provision for loan and lease losses | $120,000 | 4,610 |
| Total noninterest income | $1,260,000 | 2,587 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $982,000 | 1,268 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $278,000 | 4,184 |
| Total noninterest expense | $4,911,000 | 2,663 |
| Salaries and employee benefits | $2,475,000 | 2,745 |
| Premises and equipment expense | $825,000 | 2,372 |
| Additional noninterest expense | $1,611,000 | 2,606 |
| Pre-tax net operating income | $2,238,000 | 3,050 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $741,000 | 2,904 |
| Income before extraordinary items | $1,497,000 | 3,270 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,497,000 | 3,271 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 4,916 |
| Cash dividends | $525,000 | 3,400 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,497,000 | 3,180 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,973,000 | 3,980 |
| Total interest expense | $2,309,000 | 5,706 |
| Net interest income | $5,664,000 | 3,079 |
| Provision for loan and lease losses | $120,000 | 4,629 |
| Total noninterest income | $1,264,000 | 2,512 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $954,000 | 1,339 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $310,000 | 3,847 |
| Total noninterest expense | $4,520,000 | 2,806 |
| Salaries and employee benefits | $2,247,000 | 2,949 |
| Premises and equipment expense | $805,000 | 2,408 |
| Additional noninterest expense | $1,468,000 | 2,785 |
| Pre-tax net operating income | $2,288,000 | 3,139 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $764,000 | 3,030 |
| Income before extraordinary items | $1,524,000 | 3,316 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,524,000 | 3,316 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 4,572 |
| Cash dividends | $520,000 | 3,387 |
| Sale, conversion, retirement of capital stock, net | $166,000 | 701 |
| Net operating income | $1,524,000 | 3,239 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,609,000 | 4,223 |
| Total interest expense | $2,192,000 | 6,066 |
| Net interest income | $5,417,000 | 3,267 |
| Provision for loan and lease losses | $355,000 | 2,296 |
| Total noninterest income | $1,590,000 | 2,198 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,027,000 | 1,303 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $563,000 | 2,694 |
| Total noninterest expense | $4,410,000 | 3,072 |
| Salaries and employee benefits | $2,190,000 | 3,050 |
| Premises and equipment expense | $790,000 | 2,484 |
| Additional noninterest expense | $1,430,000 | 3,247 |
| Pre-tax net operating income | $2,242,000 | 3,104 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $717,000 | 3,127 |
| Income before extraordinary items | $1,525,000 | 3,147 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,525,000 | 3,148 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $93,000 | 4,082 |
| Cash dividends | $500,000 | 3,368 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,525,000 | 3,107 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,809,000 | 4,679 |
| Total interest expense | $2,116,000 | 6,237 |
| Net interest income | $4,693,000 | 3,745 |
| Provision for loan and lease losses | $164,000 | 3,466 |
| Total noninterest income | $1,345,000 | 2,479 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $996,000 | 1,369 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $349,000 | 3,620 |
| Total noninterest expense | $4,167,000 | 3,205 |
| Salaries and employee benefits | $2,050,000 | 3,239 |
| Premises and equipment expense | $683,000 | 2,878 |
| Additional noninterest expense | $1,434,000 | 3,207 |
| Pre-tax net operating income | $1,707,000 | 4,017 |
| Securities gains (losses) | $1,000 | 3,512 |
| Applicable income taxes | $579,000 | 3,750 |
| Income before extraordinary items | $1,129,000 | 4,158 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,129,000 | 4,156 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 4,184 |
| Cash dividends | $350,000 | 4,167 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,128,340 | 4,142 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,464,000 | 5,273 |
| Total interest expense | $1,449,000 | 7,055 |
| Net interest income | $4,015,000 | 4,366 |
| Provision for loan and lease losses | $72,000 | 5,248 |
| Total noninterest income | $1,380,000 | 2,456 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,003,000 | 1,334 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $377,000 | 3,538 |
| Total noninterest expense | $4,138,000 | 3,319 |
| Salaries and employee benefits | $1,932,000 | 3,392 |
| Premises and equipment expense | $662,000 | 2,978 |
| Additional noninterest expense | $1,544,000 | 3,213 |
| Pre-tax net operating income | $1,185,000 | 5,281 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $402,000 | 4,746 |
| Income before extraordinary items | $783,000 | 5,444 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $783,000 | 5,460 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,658 |
| Cash dividends | $200,000 | 5,405 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $783,000 | 5,518 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,642,000 | 6,158 |
| Total interest expense | $1,278,000 | 7,964 |
| Net interest income | $3,364,000 | 5,135 |
| Provision for loan and lease losses | $145,000 | 4,744 |
| Total noninterest income | $1,566,000 | 2,366 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,021,000 | 1,327 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $545,000 | 3,079 |
| Total noninterest expense | $3,757,000 | 3,687 |
| Salaries and employee benefits | $1,781,000 | 3,644 |
| Premises and equipment expense | $603,000 | 3,313 |
| Additional noninterest expense | $1,373,000 | 3,774 |
| Pre-tax net operating income | $1,028,000 | 5,790 |
| Securities gains (losses) | $196,000 | 1,719 |
| Applicable income taxes | $453,000 | 4,565 |
| Income before extraordinary items | $771,000 | 5,721 |
| Extraordinary gains, net | $57,000 | 2,070 |
| Net income | $828,000 | 5,561 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 5,845 |
| Cash dividends | $150,000 | 6,064 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $645,560 | 6,215 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,489,000 | 6,915 |
| Total interest expense | $1,633,000 | 8,097 |
| Net interest income | $2,856,000 | 5,957 |
| Provision for loan and lease losses | $60,000 | 8,535 |
| Total noninterest income | $1,671,000 | 2,202 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $985,000 | 1,354 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $686,000 | 2,578 |
| Total noninterest expense | $3,289,000 | 4,165 |
| Salaries and employee benefits | $1,599,000 | 3,995 |
| Premises and equipment expense | $425,000 | 4,572 |
| Additional noninterest expense | $1,265,000 | 4,136 |
| Pre-tax net operating income | $1,178,000 | 4,989 |
| Securities gains (losses) | $195,000 | 2,044 |
| Applicable income taxes | $487,000 | 4,080 |
| Income before extraordinary items | $886,000 | 4,987 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $886,000 | 5,037 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 7,942 |
| Cash dividends | $271,000 | 4,288 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $759,250 | 5,243 |
* 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.