Home > Western Security Bank > Income and Expense
Western Security Bank, Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $11,549,000 | 2,939 |
| Total interest expense | $4,706,000 | 3,327 |
| Net interest income | $6,843,000 | 2,618 |
| Provision for loan and lease losses | $2,308,000 | 624 |
| Total noninterest income | $1,752,000 | 2,243 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $262,000 | 4,520 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,490,000 | 1,526 |
| Total noninterest expense | $10,420,000 | 1,407 |
| Salaries and employee benefits | $5,626,000 | 1,324 |
| Premises and equipment expense | $1,479,000 | 1,459 |
| Additional noninterest expense | $3,315,000 | 1,414 |
| Pre-tax net operating income | $-4,133,000 | 9,555 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-1,491,000 | 9,568 |
| Income before extraordinary items | $-2,642,000 | 9,544 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-2,642,000 | 9,545 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,618,000 | 468 |
| Cash dividends | $200,000 | 4,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-2,642,000 | 9,527 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $14,244,000 | 2,439 |
| Total interest expense | $5,034,000 | 3,298 |
| Net interest income | $9,210,000 | 1,915 |
| Provision for loan and lease losses | $1,561,000 | 733 |
| Total noninterest income | $3,183,000 | 1,281 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $233,000 | 4,711 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $2,950,000 | 868 |
| Total noninterest expense | $9,796,000 | 1,419 |
| Salaries and employee benefits | $4,720,000 | 1,502 |
| Premises and equipment expense | $1,629,000 | 1,250 |
| Additional noninterest expense | $3,447,000 | 1,322 |
| Pre-tax net operating income | $1,036,000 | 5,170 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $373,000 | 4,142 |
| Income before extraordinary items | $663,000 | 5,562 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $663,000 | 5,561 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,263,000 | 639 |
| Cash dividends | $300,000 | 4,469 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $663,000 | 5,571 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $13,231,000 | 2,479 |
| Total interest expense | $4,656,000 | 3,124 |
| Net interest income | $8,575,000 | 2,062 |
| Provision for loan and lease losses | $533,000 | 1,680 |
| Total noninterest income | $3,116,000 | 1,313 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $230,000 | 4,737 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $2,886,000 | 917 |
| Total noninterest expense | $9,833,000 | 1,410 |
| Salaries and employee benefits | $4,845,000 | 1,421 |
| Premises and equipment expense | $1,600,000 | 1,271 |
| Additional noninterest expense | $3,388,000 | 1,363 |
| Pre-tax net operating income | $1,325,000 | 4,459 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $477,000 | 3,731 |
| Income before extraordinary items | $848,000 | 4,911 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $848,000 | 4,911 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $254,000 | 2,058 |
| Cash dividends | $350,000 | 4,197 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $848,000 | 4,867 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $10,470,000 | 3,086 |
| Total interest expense | $4,298,000 | 3,452 |
| Net interest income | $6,172,000 | 2,778 |
| Provision for loan and lease losses | $297,000 | 2,674 |
| Total noninterest income | $3,288,000 | 1,258 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $275,000 | 4,205 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $3,013,000 | 898 |
| Total noninterest expense | $7,963,000 | 1,657 |
| Salaries and employee benefits | $3,990,000 | 1,669 |
| Premises and equipment expense | $1,572,000 | 1,223 |
| Additional noninterest expense | $2,401,000 | 1,768 |
| Pre-tax net operating income | $1,200,000 | 4,881 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $480,000 | 3,945 |
| Income before extraordinary items | $720,000 | 5,527 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $720,000 | 5,528 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $259,000 | 2,056 |
| Cash dividends | $360,000 | 4,192 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $720,000 | 5,417 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $10,200,000 | 3,181 |
| Total interest expense | $3,861,000 | 3,811 |
| Net interest income | $6,339,000 | 2,744 |
| Provision for loan and lease losses | $293,000 | 2,681 |
| Total noninterest income | $1,657,000 | 2,045 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $418,000 | 3,109 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,239,000 | 1,516 |
| Total noninterest expense | $6,667,000 | 1,935 |
| Salaries and employee benefits | $3,348,000 | 1,963 |
| Premises and equipment expense | $1,312,000 | 1,485 |
| Additional noninterest expense | $2,007,000 | 2,085 |
| Pre-tax net operating income | $1,036,000 | 5,727 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $172,000 | 7,291 |
| Income before extraordinary items | $864,000 | 5,204 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $864,000 | 5,206 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $270,000 | 2,107 |
| Cash dividends | $405,000 | 3,909 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $864,000 | 5,142 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,048,000 | 4,016 |
| Total interest expense | $2,736,000 | 5,167 |
| Net interest income | $5,312,000 | 3,337 |
| Provision for loan and lease losses | $-14,000 | 11,106 |
| Total noninterest income | $933,000 | 3,309 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $459,000 | 2,936 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $474,000 | 3,041 |
| Total noninterest expense | $5,487,000 | 2,500 |
| Salaries and employee benefits | $2,642,000 | 2,525 |
| Premises and equipment expense | $1,140,000 | 1,767 |
| Additional noninterest expense | $1,705,000 | 2,810 |
| Pre-tax net operating income | $772,000 | 6,609 |
| Securities gains (losses) | $-9,000 | 10,223 |
| Applicable income taxes | $110,000 | 8,579 |
| Income before extraordinary items | $653,000 | 5,976 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $653,000 | 5,978 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 6,429 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $660,740 | 5,880 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,016,000 | 4,547 |
| Total interest expense | $2,115,000 | 6,242 |
| Net interest income | $4,901,000 | 3,607 |
| Provision for loan and lease losses | $55,000 | 6,005 |
| Total noninterest income | $766,000 | 3,809 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $521,000 | 2,600 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $245,000 | 4,540 |
| Total noninterest expense | $5,171,000 | 2,622 |
| Salaries and employee benefits | $2,306,000 | 2,889 |
| Premises and equipment expense | $1,076,000 | 1,880 |
| Additional noninterest expense | $1,789,000 | 2,639 |
| Pre-tax net operating income | $441,000 | 8,798 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $1,000 | 11,102 |
| Income before extraordinary items | $440,000 | 7,725 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $440,000 | 7,725 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 3,716 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $440,000 | 7,696 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,923,000 | 5,733 |
| Total interest expense | $942,000 | 8,936 |
| Net interest income | $3,981,000 | 4,402 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $1,003,000 | 3,112 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $543,000 | 2,511 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $460,000 | 3,117 |
| Total noninterest expense | $4,566,000 | 3,018 |
| Salaries and employee benefits | $1,911,000 | 3,426 |
| Premises and equipment expense | $1,201,000 | 1,721 |
| Additional noninterest expense | $1,454,000 | 3,405 |
| Pre-tax net operating income | $418,000 | 9,223 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $1,000 | 11,577 |
| Income before extraordinary items | $417,000 | 8,024 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $417,000 | 8,031 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $321,000 | 1,825 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $417,000 | 8,068 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,415,000 | 6,403 |
| Total interest expense | $859,000 | 9,745 |
| Net interest income | $3,556,000 | 4,891 |
| Provision for loan and lease losses | $432,000 | 2,327 |
| Total noninterest income | $876,000 | 3,712 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $725,000 | 1,884 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $151,000 | 6,544 |
| Total noninterest expense | $5,512,000 | 2,604 |
| Salaries and employee benefits | $2,069,000 | 3,174 |
| Premises and equipment expense | $1,336,000 | 1,577 |
| Additional noninterest expense | $2,107,000 | 2,607 |
| Pre-tax net operating income | $-1,512,000 | 13,037 |
| Securities gains (losses) | $4,000 | 6,316 |
| Applicable income taxes | $2,000 | 12,040 |
| Income before extraordinary items | $-1,510,000 | 13,055 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-1,510,000 | 13,057 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,147,000 | 1,052 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-1,514,000 | 13,022 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,391,000 | 5,216 |
| Total interest expense | $1,549,000 | 8,369 |
| Net interest income | $4,842,000 | 3,760 |
| Provision for loan and lease losses | $1,181,000 | 1,661 |
| Total noninterest income | $1,381,000 | 2,544 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,027,000 | 1,300 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $354,000 | 4,011 |
| Total noninterest expense | $6,622,000 | 2,225 |
| Salaries and employee benefits | $2,590,000 | 2,492 |
| Premises and equipment expense | $1,319,000 | 1,615 |
| Additional noninterest expense | $2,713,000 | 2,172 |
| Pre-tax net operating income | $-1,580,000 | 13,586 |
| Securities gains (losses) | $-100,000 | 13,782 |
| Applicable income taxes | $-562,000 | 13,768 |
| Income before extraordinary items | $-1,118,000 | 13,573 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-1,118,000 | 13,571 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,184,000 | 1,403 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-1,051,000 | 13,494 |
* 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.