Home > Westfield State Bank > Income and Expense
Westfield State Bank, Income and Expense
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $512,000 | 13,048 |
| Total interest expense | $213,000 | 12,950 |
| Net interest income | $299,000 | 13,014 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $31,000 | 12,916 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $27,000 | 10,831 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,000 | 13,083 |
| Total noninterest expense | $291,000 | 13,007 |
| Salaries and employee benefits | $158,000 | 12,932 |
| Premises and equipment expense | $16,000 | 13,144 |
| Additional noninterest expense | $117,000 | 12,795 |
| Pre-tax net operating income | $39,000 | 12,228 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $8,000 | 11,870 |
| Income before extraordinary items | $31,000 | 12,368 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $31,000 | 12,392 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 8,678 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $31,000 | 12,228 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $628,000 | 13,576 |
| Total interest expense | $307,000 | 13,457 |
| Net interest income | $321,000 | 13,580 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $29,000 | 13,556 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $25,000 | 11,220 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,000 | 13,723 |
| Total noninterest expense | $265,000 | 13,667 |
| Salaries and employee benefits | $165,000 | 13,445 |
| Premises and equipment expense | $14,000 | 13,787 |
| Additional noninterest expense | $86,000 | 13,638 |
| Pre-tax net operating income | $85,000 | 12,162 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $11,000 | 12,338 |
| Income before extraordinary items | $74,000 | 12,311 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $74,000 | 12,333 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 10,714 |
| Cash dividends | $228,000 | 4,713 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $74,000 | 12,014 |
* 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.