Home > Westwood Savings Bank > Income and Expense
Westwood Savings Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,499,000 | 4,237 |
| Total interest expense | $4,461,000 | 3,315 |
| Net interest income | $3,038,000 | 5,253 |
| Provision for loan and lease losses | $35,000 | 7,233 |
| Total noninterest income | $182,000 | 8,092 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $120,000 | 6,759 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $62,000 | 7,946 |
| Total noninterest expense | $1,626,000 | 6,482 |
| Salaries and employee benefits | $770,000 | 6,930 |
| Premises and equipment expense | $239,000 | 6,223 |
| Additional noninterest expense | $617,000 | 5,704 |
| Pre-tax net operating income | $1,559,000 | 4,345 |
| Securities gains (losses) | $-80,000 | 10,727 |
| Applicable income taxes | $563,000 | 3,862 |
| Income before extraordinary items | $916,000 | 4,995 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $916,000 | 4,997 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,963 |
| Cash dividends | $161,000 | 5,763 |
| Sale, conversion, retirement of capital stock, net | $240,000 | 651 |
| Net operating income | $967,200 | 4,756 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,263,000 | 5,024 |
| Total interest expense | $3,598,000 | 4,086 |
| Net interest income | $2,665,000 | 5,937 |
| Provision for loan and lease losses | $49,000 | 6,675 |
| Total noninterest income | $127,000 | 9,407 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $91,000 | 7,697 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $36,000 | 9,538 |
| Total noninterest expense | $2,088,000 | 5,754 |
| Salaries and employee benefits | $669,000 | 7,723 |
| Premises and equipment expense | $242,000 | 6,359 |
| Additional noninterest expense | $1,177,000 | 3,838 |
| Pre-tax net operating income | $655,000 | 7,139 |
| Securities gains (losses) | $-17,000 | 10,550 |
| Applicable income taxes | $236,000 | 6,628 |
| Income before extraordinary items | $402,000 | 7,607 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $402,000 | 7,607 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $65,000 | 7,287 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $412,880 | 7,460 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,378,000 | 5,675 |
| Total interest expense | $3,137,000 | 4,554 |
| Net interest income | $2,241,000 | 6,794 |
| Provision for loan and lease losses | $46,000 | 6,390 |
| Total noninterest income | $93,000 | 10,435 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $69,000 | 8,644 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $24,000 | 10,650 |
| Total noninterest expense | $1,463,000 | 7,391 |
| Salaries and employee benefits | $625,000 | 8,215 |
| Premises and equipment expense | $197,000 | 7,255 |
| Additional noninterest expense | $641,000 | 6,251 |
| Pre-tax net operating income | $825,000 | 6,739 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $293,000 | 6,091 |
| Income before extraordinary items | $532,000 | 7,015 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $532,000 | 7,014 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $48,000 | 7,835 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $532,000 | 6,998 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,200,000 | 6,470 |
| Total interest expense | $2,015,000 | 5,585 |
| Net interest income | $2,185,000 | 7,119 |
| Provision for loan and lease losses | $29,000 | 7,250 |
| Total noninterest income | $75,000 | 11,378 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $59,000 | 9,379 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $16,000 | 11,718 |
| Total noninterest expense | $1,365,000 | 8,022 |
| Salaries and employee benefits | $636,000 | 8,367 |
| Premises and equipment expense | $183,000 | 7,795 |
| Additional noninterest expense | $546,000 | 7,455 |
| Pre-tax net operating income | $866,000 | 6,562 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $300,000 | 5,876 |
| Income before extraordinary items | $566,000 | 6,794 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $566,000 | 6,809 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $64,000 | 7,633 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $566,000 | 6,845 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,734,000 | 7,217 |
| Total interest expense | $1,710,000 | 6,588 |
| Net interest income | $2,024,000 | 7,601 |
| Provision for loan and lease losses | $13,000 | 9,510 |
| Total noninterest income | $52,000 | 12,494 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $43,000 | 10,299 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $9,000 | 12,819 |
| Total noninterest expense | $1,011,000 | 9,685 |
| Salaries and employee benefits | $514,000 | 9,535 |
| Premises and equipment expense | $158,000 | 8,699 |
| Additional noninterest expense | $339,000 | 9,968 |
| Pre-tax net operating income | $1,052,000 | 5,680 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $348,000 | 5,524 |
| Income before extraordinary items | $704,000 | 6,089 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $704,000 | 6,259 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 9,724 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $1,045,000 | 452 |
| Net operating income | $704,000 | 5,821 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,530,000 | 8,139 |
| Total interest expense | $1,957,000 | 7,210 |
| Net interest income | $1,573,000 | 9,035 |
| Provision for loan and lease losses | $12,000 | 11,000 |
| Total noninterest income | $74,000 | 12,451 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $74,000 | 9,109 |
| Total noninterest expense | $882,000 | 10,595 |
| Salaries and employee benefits | $444,000 | 10,363 |
| Premises and equipment expense | $207,000 | 7,676 |
| Additional noninterest expense | $231,000 | 11,802 |
| Pre-tax net operating income | $753,000 | 6,815 |
| Securities gains (losses) | $-6,000 | 13,123 |
| Applicable income taxes | $246,000 | 6,727 |
| Income before extraordinary items | $501,000 | 7,329 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $501,000 | 7,422 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $505,020 | 6,907 |
* 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.