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Whatcom State Bank, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$7,869,0003,998
Total interest expense$3,535,0004,092
Net interest income$4,334,0003,860
Provision for loan and lease losses$180,0003,728
Total noninterest income$1,875,0001,927
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$430,0002,935
Trading account gains and feesNANA
Additional Noninterest Income$1,445,0001,437
Total noninterest expense$6,010,0002,173
Salaries and employee benefits$3,834,0001,722
Premises and equipment expense$896,0002,166
Additional noninterest expense$1,280,0003,185
Pre-tax net operating income$19,0009,727
Securities gains (losses)$13,0002,771
Applicable income taxes$354,0004,736
Income before extraordinary items$-322,00010,134
Extraordinary gains, net$032
Net income$-322,00010,128
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$99,0003,669
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$-330,32010,117
1997-12-31 (YTD Data)Rank
Total interest income$7,188,0004,396
Total interest expense$3,241,0004,407
Net interest income$3,947,0004,282
Provision for loan and lease losses$180,0003,648
Total noninterest income$1,019,0002,999
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$495,0002,653
Trading account gains and feesNANA
Additional Noninterest Income$524,0002,730
Total noninterest expense$4,070,0003,120
Salaries and employee benefits$1,945,0003,399
Premises and equipment expense$778,0002,482
Additional noninterest expense$1,347,0003,007
Pre-tax net operating income$716,0006,912
Securities gains (losses)$28,0001,673
Applicable income taxes$240,0006,358
Income before extraordinary items$504,0006,945
Extraordinary gains, net$044
Net income$504,0006,948
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$243,0002,252
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$484,9607,019
1996-12-31 (YTD Data)Rank
Total interest income$6,209,0005,055
Total interest expense$2,694,0005,236
Net interest income$3,515,0004,815
Provision for loan and lease losses$784,0001,220
Total noninterest income$877,0003,459
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$369,0003,586
Trading account gains and feesNANA
Additional Noninterest Income$508,0002,881
Total noninterest expense$3,627,0003,658
Salaries and employee benefits$1,624,0004,009
Premises and equipment expense$754,0002,591
Additional noninterest expense$1,249,0003,653
Pre-tax net operating income$-19,00010,843
Securities gains (losses)$13,0002,310
Applicable income taxes$-20,00010,988
Income before extraordinary items$14,00010,762
Extraordinary gains, net$053
Net income$14,00010,758
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$954,000931
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$5,68010,742
1995-12-31 (YTD Data)Rank
Total interest income$5,854,0005,307
Total interest expense$2,306,0005,879
Net interest income$3,548,0004,806
Provision for loan and lease losses$1,320,000772
Total noninterest income$1,295,0002,548
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$411,0003,282
Trading account gains and feesNANA
Additional Noninterest Income$884,0001,963
Total noninterest expense$4,165,0003,207
Salaries and employee benefits$1,618,0004,014
Premises and equipment expense$727,0002,710
Additional noninterest expense$1,820,0002,608
Pre-tax net operating income$-639,00011,825
Securities gains (losses)$-3,0009,402
Applicable income taxes$-173,00011,778
Income before extraordinary items$-469,00011,785
Extraordinary gains, net$065
Net income$-469,00011,783
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$546,0001,305
Cash dividends$40,0007,961
Sale, conversion, retirement of capital stock, net$96,000578
Net operating income$-466,81011,780
1994-12-31 (YTD Data)Rank
Total interest income$4,546,0006,097
Total interest expense$1,442,0007,070
Net interest income$3,104,0005,470
Provision for loan and lease losses$210,0002,926
Total noninterest income$1,739,0002,047
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$372,0003,631
Trading account gains and feesNANA
Additional Noninterest Income$1,367,0001,485
Total noninterest expense$3,863,0003,533
Salaries and employee benefits$1,870,0003,491
Premises and equipment expense$638,0003,085
Additional noninterest expense$1,355,0003,636
Pre-tax net operating income$770,0007,031
Securities gains (losses)$18,0001,859
Applicable income taxes$233,0006,778
Income before extraordinary items$555,0006,867
Extraordinary gains, net$0249
Net income$555,0006,880
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$98,0003,773
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$1,519,000349
Net operating income$542,4007,033
1993-12-31 (YTD Data)Rank
Total interest income$3,686,0007,283
Total interest expense$1,185,0008,315
Net interest income$2,501,0006,544
Provision for loan and lease losses$233,0003,595
Total noninterest income$1,205,0002,898
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$279,0004,705
Trading account gains and feesNANA
Additional Noninterest Income$926,0002,146
Total noninterest expense$2,838,0004,729
Salaries and employee benefits$1,446,0004,418
Premises and equipment expense$411,0004,607
Additional noninterest expense$981,0004,999
Pre-tax net operating income$635,0007,720
Securities gains (losses)$07,477
Applicable income taxes$41,00011,139
Income before extraordinary items$594,0006,832
Extraordinary gains, net$03,149
Net income$594,0007,002
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$92,0004,735
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$1,149,000440
Net operating income$594,0006,582
1992-12-31 (YTD Data)Rank
Total interest income$2,013,00010,872
Total interest expense$917,00010,782
Net interest income$1,096,00010,715
Provision for loan and lease losses$52,0008,958
Total noninterest income$270,0008,178
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$155,0006,978
Trading account gains and feesNANA
Additional Noninterest Income$115,0007,597
Total noninterest expense$1,297,0008,671
Salaries and employee benefits$622,0008,624
Premises and equipment expense$134,0009,571
Additional noninterest expense$541,0008,072
Pre-tax net operating income$17,00012,609
Securities gains (losses)$08,369
Applicable income taxes$012,680
Income before extraordinary items$17,00012,790
Extraordinary gains, net$01,422
Net income$17,00012,786
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-9,00012,762
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$8,0001,078
Net operating income$17,00012,557

* 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.