Home > Westview Savings Bank > Income and Expense
Westview Savings Bank, Income and Expense
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,742,000 | 5,983 |
| Total interest expense | $798,000 | 4,296 |
| Net interest income | $944,000 | 6,817 |
| Provision for loan and lease losses | $-14,000 | 8,874 |
| Total noninterest income | $32,000 | 8,558 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $32,000 | 7,137 |
| Total noninterest expense | $967,000 | 6,109 |
| Salaries and employee benefits | $544,000 | 5,994 |
| Premises and equipment expense | $255,000 | 4,012 |
| Additional noninterest expense | $168,000 | 7,512 |
| Pre-tax net operating income | $23,000 | 8,404 |
| Securities gains (losses) | $20,000 | 2,036 |
| Applicable income taxes | $28,000 | 6,089 |
| Income before extraordinary items | $15,000 | 8,487 |
| Extraordinary gains, net | $55,000 | 9 |
| Net income | $70,000 | 8,080 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 2,878 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,200 | 8,503 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $894,000 | 5,938 |
| Total interest expense | $414,000 | 4,219 |
| Net interest income | $480,000 | 6,796 |
| Provision for loan and lease losses | $-3,000 | 8,890 |
| Total noninterest income | $33,000 | 7,851 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $33,000 | 5,928 |
| Total noninterest expense | $495,000 | 6,076 |
| Salaries and employee benefits | $279,000 | 5,956 |
| Premises and equipment expense | $128,000 | 4,030 |
| Additional noninterest expense | $88,000 | 7,433 |
| Pre-tax net operating income | $21,000 | 8,304 |
| Securities gains (losses) | $20,000 | 1,707 |
| Applicable income taxes | $16,000 | 5,956 |
| Income before extraordinary items | $25,000 | 8,233 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $25,000 | 8,234 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 2,092 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $12,200 | 8,373 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,876,000 | 5,755 |
| Total interest expense | $2,044,000 | 3,961 |
| Net interest income | $1,832,000 | 6,850 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $290,000 | 6,667 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $290,000 | 4,579 |
| Total noninterest expense | $1,843,000 | 6,272 |
| Salaries and employee benefits | $994,000 | 6,290 |
| Premises and equipment expense | $494,000 | 4,100 |
| Additional noninterest expense | $355,000 | 7,413 |
| Pre-tax net operating income | $279,000 | 7,513 |
| Securities gains (losses) | $6,000 | 3,841 |
| Applicable income taxes | $76,000 | 5,981 |
| Income before extraordinary items | $209,000 | 7,719 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $209,000 | 7,722 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 4,241 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $204,620 | 7,614 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,934,000 | 5,787 |
| Total interest expense | $1,588,000 | 3,965 |
| Net interest income | $1,346,000 | 6,948 |
| Provision for loan and lease losses | $-6,000 | 9,021 |
| Total noninterest income | $262,000 | 6,302 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $262,000 | 4,290 |
| Total noninterest expense | $1,379,000 | 6,232 |
| Salaries and employee benefits | $748,000 | 6,245 |
| Premises and equipment expense | $366,000 | 4,134 |
| Additional noninterest expense | $265,000 | 7,437 |
| Pre-tax net operating income | $235,000 | 7,518 |
| Securities gains (losses) | $6,000 | 3,549 |
| Applicable income taxes | $58,000 | 6,101 |
| Income before extraordinary items | $183,000 | 7,692 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $183,000 | 7,694 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 3,532 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $178,440 | 7,584 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,020,000 | 5,709 |
| Total interest expense | $1,082,000 | 4,003 |
| Net interest income | $938,000 | 6,838 |
| Provision for loan and lease losses | $2,000 | 7,249 |
| Total noninterest income | $234,000 | 5,637 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $234,000 | 3,735 |
| Total noninterest expense | $879,000 | 6,410 |
| Salaries and employee benefits | $484,000 | 6,375 |
| Premises and equipment expense | $244,000 | 4,124 |
| Additional noninterest expense | $151,000 | 7,757 |
| Pre-tax net operating income | $291,000 | 6,553 |
| Securities gains (losses) | $4,000 | 3,287 |
| Applicable income taxes | $80,000 | 5,416 |
| Income before extraordinary items | $215,000 | 6,842 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $215,000 | 6,846 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 2,734 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $212,080 | 6,666 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,006,000 | 5,751 |
| Total interest expense | $548,000 | 4,062 |
| Net interest income | $458,000 | 6,909 |
| Provision for loan and lease losses | $25,000 | 4,925 |
| Total noninterest income | $185,000 | 4,352 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $185,000 | 2,856 |
| Total noninterest expense | $444,000 | 6,381 |
| Salaries and employee benefits | $239,000 | 6,421 |
| Premises and equipment expense | $127,000 | 3,981 |
| Additional noninterest expense | $78,000 | 7,720 |
| Pre-tax net operating income | $174,000 | 6,173 |
| Securities gains (losses) | $3,000 | 2,514 |
| Applicable income taxes | $71,000 | 4,565 |
| Income before extraordinary items | $106,000 | 6,785 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $106,000 | 6,787 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 2,771 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $104,080 | 6,654 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,577,000 | 5,481 |
| Total interest expense | $2,593,000 | 3,980 |
| Net interest income | $1,984,000 | 6,655 |
| Provision for loan and lease losses | $5,000 | 7,962 |
| Total noninterest income | $82,000 | 8,620 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $82,000 | 6,829 |
| Total noninterest expense | $1,811,000 | 6,236 |
| Salaries and employee benefits | $975,000 | 6,236 |
| Premises and equipment expense | $464,000 | 4,175 |
| Additional noninterest expense | $372,000 | 7,331 |
| Pre-tax net operating income | $250,000 | 7,750 |
| Securities gains (losses) | $104,000 | 1,711 |
| Applicable income taxes | $146,000 | 5,555 |
| Income before extraordinary items | $208,000 | 7,795 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $208,000 | 7,796 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $157,000 | 3,429 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $141,440 | 8,022 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,161,000 | 5,507 |
| Total interest expense | $3,196,000 | 4,495 |
| Net interest income | $1,965,000 | 6,483 |
| Provision for loan and lease losses | $277,000 | 3,387 |
| Total noninterest income | $133,000 | 8,060 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $133,000 | 5,774 |
| Total noninterest expense | $2,139,000 | 5,498 |
| Salaries and employee benefits | $1,259,000 | 5,142 |
| Premises and equipment expense | $460,000 | 4,163 |
| Additional noninterest expense | $420,000 | 6,990 |
| Pre-tax net operating income | $-318,000 | 9,044 |
| Securities gains (losses) | $73,000 | 2,015 |
| Applicable income taxes | $-94,000 | 9,251 |
| Income before extraordinary items | $-151,000 | 9,000 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-151,000 | 9,001 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $271,000 | 2,387 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-197,720 | 8,992 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,720,000 | 5,254 |
| Total interest expense | $3,264,000 | 4,628 |
| Net interest income | $2,456,000 | 5,878 |
| Provision for loan and lease losses | $249,000 | 3,262 |
| Total noninterest income | $134,000 | 8,124 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $134,000 | 5,749 |
| Total noninterest expense | $2,098,000 | 5,509 |
| Salaries and employee benefits | $1,276,000 | 4,962 |
| Premises and equipment expense | $468,000 | 3,997 |
| Additional noninterest expense | $354,000 | 7,528 |
| Pre-tax net operating income | $243,000 | 8,167 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $117,000 | 6,315 |
| Income before extraordinary items | $126,000 | 8,554 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $126,000 | 8,552 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $237,000 | 2,131 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $126,000 | 8,552 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,124,000 | 4,874 |
| Total interest expense | $3,373,000 | 4,165 |
| Net interest income | $2,751,000 | 5,479 |
| Provision for loan and lease losses | $195,000 | 3,609 |
| Total noninterest income | $156,000 | 8,032 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $156,000 | 5,512 |
| Total noninterest expense | $2,387,000 | 5,044 |
| Salaries and employee benefits | $1,482,000 | 4,384 |
| Premises and equipment expense | $428,000 | 4,299 |
| Additional noninterest expense | $477,000 | 6,693 |
| Pre-tax net operating income | $325,000 | 7,949 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $92,000 | 7,032 |
| Income before extraordinary items | $233,000 | 8,055 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $233,000 | 8,054 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $215,000 | 2,289 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $233,000 | 8,032 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,504,000 | 4,671 |
| Total interest expense | $3,332,000 | 4,337 |
| Net interest income | $3,172,000 | 4,941 |
| Provision for loan and lease losses | $119,000 | 4,792 |
| Total noninterest income | $193,000 | 7,669 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $193,000 | 5,052 |
| Total noninterest expense | $2,065,000 | 5,484 |
| Salaries and employee benefits | $1,232,000 | 4,984 |
| Premises and equipment expense | $489,000 | 3,771 |
| Additional noninterest expense | $344,000 | 7,714 |
| Pre-tax net operating income | $1,181,000 | 4,935 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $401,000 | 4,407 |
| Income before extraordinary items | $780,000 | 5,268 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $780,000 | 5,268 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $131,000 | 3,165 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $780,000 | 5,169 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,140,000 | 4,428 |
| Total interest expense | $3,721,000 | 3,938 |
| Net interest income | $3,419,000 | 4,811 |
| Provision for loan and lease losses | $190,000 | 3,550 |
| Total noninterest income | $219,000 | 7,598 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $219,000 | 4,734 |
| Total noninterest expense | $2,119,000 | 5,429 |
| Salaries and employee benefits | $1,307,000 | 4,761 |
| Premises and equipment expense | $432,000 | 4,178 |
| Additional noninterest expense | $380,000 | 7,527 |
| Pre-tax net operating income | $1,329,000 | 4,891 |
| Securities gains (losses) | $-36,000 | 10,562 |
| Applicable income taxes | $556,000 | 3,901 |
| Income before extraordinary items | $737,000 | 5,730 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $737,000 | 5,732 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $223,000 | 2,381 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $760,040 | 5,584 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,719,000 | 4,168 |
| Total interest expense | $4,483,000 | 3,325 |
| Net interest income | $3,236,000 | 5,148 |
| Provision for loan and lease losses | $217,000 | 3,234 |
| Total noninterest income | $249,000 | 7,592 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $249,000 | 4,546 |
| Total noninterest expense | $3,146,000 | 4,146 |
| Salaries and employee benefits | $1,421,000 | 4,536 |
| Premises and equipment expense | $585,000 | 3,288 |
| Additional noninterest expense | $1,140,000 | 3,942 |
| Pre-tax net operating income | $122,000 | 10,254 |
| Securities gains (losses) | $-4,000 | 9,823 |
| Applicable income taxes | $62,000 | 9,472 |
| Income before extraordinary items | $56,000 | 10,542 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $56,000 | 10,542 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $202,000 | 2,655 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $58,560 | 10,483 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $8,080,000 | 3,972 |
| Total interest expense | $4,622,000 | 3,241 |
| Net interest income | $3,458,000 | 4,920 |
| Provision for loan and lease losses | $123,000 | 4,053 |
| Total noninterest income | $211,000 | 8,267 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $211,000 | 4,973 |
| Total noninterest expense | $2,242,000 | 5,469 |
| Salaries and employee benefits | $1,322,000 | 4,799 |
| Premises and equipment expense | $400,000 | 4,538 |
| Additional noninterest expense | $520,000 | 7,103 |
| Pre-tax net operating income | $1,304,000 | 4,956 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $473,000 | 4,366 |
| Income before extraordinary items | $831,000 | 5,298 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $831,000 | 5,295 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 4,292 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $831,000 | 5,279 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,072,000 | 3,708 |
| Total interest expense | $4,593,000 | 2,662 |
| Net interest income | $3,479,000 | 4,967 |
| Provision for loan and lease losses | $66,000 | 5,441 |
| Total noninterest income | $222,000 | 8,355 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $222,000 | 4,938 |
| Total noninterest expense | $2,145,000 | 5,867 |
| Salaries and employee benefits | $1,281,000 | 4,949 |
| Premises and equipment expense | $394,000 | 4,638 |
| Additional noninterest expense | $470,000 | 8,154 |
| Pre-tax net operating income | $1,490,000 | 4,434 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $525,000 | 3,914 |
| Income before extraordinary items | $965,000 | 4,649 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $965,000 | 4,648 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $265,000 | 2,086 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $965,000 | 4,702 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $8,306,000 | 3,682 |
| Total interest expense | $4,884,000 | 2,627 |
| Net interest income | $3,422,000 | 5,048 |
| Provision for loan and lease losses | $413,000 | 2,407 |
| Total noninterest income | $261,000 | 8,200 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $261,000 | 4,884 |
| Total noninterest expense | $1,991,000 | 6,357 |
| Salaries and employee benefits | $1,218,000 | 5,167 |
| Premises and equipment expense | $402,000 | 4,694 |
| Additional noninterest expense | $371,000 | 9,592 |
| Pre-tax net operating income | $1,279,000 | 4,930 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $709,000 | 3,078 |
| Income before extraordinary items | $570,000 | 7,016 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $570,000 | 7,181 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $140,000 | 3,831 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $570,000 | 6,754 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $8,652,000 | 3,996 |
| Total interest expense | $5,200,000 | 3,196 |
| Net interest income | $3,452,000 | 5,065 |
| Provision for loan and lease losses | $151,000 | 6,055 |
| Total noninterest income | $267,000 | 8,225 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $267,000 | 4,754 |
| Total noninterest expense | $1,964,000 | 6,475 |
| Salaries and employee benefits | $1,228,000 | 5,057 |
| Premises and equipment expense | $378,000 | 5,014 |
| Additional noninterest expense | $358,000 | 10,091 |
| Pre-tax net operating income | $1,604,000 | 3,793 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $605,000 | 3,410 |
| Income before extraordinary items | $999,000 | 4,515 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $999,000 | 4,556 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $116,000 | 5,532 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $999,000 | 4,191 |
* 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.