Home > Whatcom State Bank > Income and Expense
Whatcom State Bank, Income and Expense
1998-12-31 (YTD Data) | Rank | |
Total interest income | $7,869,000 | 3,998 |
Total interest expense | $3,535,000 | 4,092 |
Net interest income | $4,334,000 | 3,860 |
Provision for loan and lease losses | $180,000 | 3,728 |
Total noninterest income | $1,875,000 | 1,927 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $430,000 | 2,935 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $1,445,000 | 1,437 |
Total noninterest expense | $6,010,000 | 2,173 |
Salaries and employee benefits | $3,834,000 | 1,722 |
Premises and equipment expense | $896,000 | 2,166 |
Additional noninterest expense | $1,280,000 | 3,185 |
Pre-tax net operating income | $19,000 | 9,727 |
Securities gains (losses) | $13,000 | 2,771 |
Applicable income taxes | $354,000 | 4,736 |
Income before extraordinary items | $-322,000 | 10,134 |
Extraordinary gains, net | $0 | 32 |
Net income | $-322,000 | 10,128 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $99,000 | 3,669 |
Cash dividends | $0 | 7,473 |
Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
Net operating income | $-330,320 | 10,117 |
1997-12-31 (YTD Data) | Rank | |
Total interest income | $7,188,000 | 4,396 |
Total interest expense | $3,241,000 | 4,407 |
Net interest income | $3,947,000 | 4,282 |
Provision for loan and lease losses | $180,000 | 3,648 |
Total noninterest income | $1,019,000 | 2,999 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $495,000 | 2,653 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $524,000 | 2,730 |
Total noninterest expense | $4,070,000 | 3,120 |
Salaries and employee benefits | $1,945,000 | 3,399 |
Premises and equipment expense | $778,000 | 2,482 |
Additional noninterest expense | $1,347,000 | 3,007 |
Pre-tax net operating income | $716,000 | 6,912 |
Securities gains (losses) | $28,000 | 1,673 |
Applicable income taxes | $240,000 | 6,358 |
Income before extraordinary items | $504,000 | 6,945 |
Extraordinary gains, net | $0 | 44 |
Net income | $504,000 | 6,948 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $243,000 | 2,252 |
Cash dividends | $0 | 7,871 |
Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
Net operating income | $484,960 | 7,019 |
1996-12-31 (YTD Data) | Rank | |
Total interest income | $6,209,000 | 5,055 |
Total interest expense | $2,694,000 | 5,236 |
Net interest income | $3,515,000 | 4,815 |
Provision for loan and lease losses | $784,000 | 1,220 |
Total noninterest income | $877,000 | 3,459 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $369,000 | 3,586 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $508,000 | 2,881 |
Total noninterest expense | $3,627,000 | 3,658 |
Salaries and employee benefits | $1,624,000 | 4,009 |
Premises and equipment expense | $754,000 | 2,591 |
Additional noninterest expense | $1,249,000 | 3,653 |
Pre-tax net operating income | $-19,000 | 10,843 |
Securities gains (losses) | $13,000 | 2,310 |
Applicable income taxes | $-20,000 | 10,988 |
Income before extraordinary items | $14,000 | 10,762 |
Extraordinary gains, net | $0 | 53 |
Net income | $14,000 | 10,758 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $954,000 | 931 |
Cash dividends | $0 | 8,336 |
Sale, conversion, retirement of capital stock, net | $0 | 953 |
Net operating income | $5,680 | 10,742 |
1995-12-31 (YTD Data) | Rank | |
Total interest income | $5,854,000 | 5,307 |
Total interest expense | $2,306,000 | 5,879 |
Net interest income | $3,548,000 | 4,806 |
Provision for loan and lease losses | $1,320,000 | 772 |
Total noninterest income | $1,295,000 | 2,548 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $411,000 | 3,282 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $884,000 | 1,963 |
Total noninterest expense | $4,165,000 | 3,207 |
Salaries and employee benefits | $1,618,000 | 4,014 |
Premises and equipment expense | $727,000 | 2,710 |
Additional noninterest expense | $1,820,000 | 2,608 |
Pre-tax net operating income | $-639,000 | 11,825 |
Securities gains (losses) | $-3,000 | 9,402 |
Applicable income taxes | $-173,000 | 11,778 |
Income before extraordinary items | $-469,000 | 11,785 |
Extraordinary gains, net | $0 | 65 |
Net income | $-469,000 | 11,783 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $546,000 | 1,305 |
Cash dividends | $40,000 | 7,961 |
Sale, conversion, retirement of capital stock, net | $96,000 | 578 |
Net operating income | $-466,810 | 11,780 |
1994-12-31 (YTD Data) | Rank | |
Total interest income | $4,546,000 | 6,097 |
Total interest expense | $1,442,000 | 7,070 |
Net interest income | $3,104,000 | 5,470 |
Provision for loan and lease losses | $210,000 | 2,926 |
Total noninterest income | $1,739,000 | 2,047 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $372,000 | 3,631 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $1,367,000 | 1,485 |
Total noninterest expense | $3,863,000 | 3,533 |
Salaries and employee benefits | $1,870,000 | 3,491 |
Premises and equipment expense | $638,000 | 3,085 |
Additional noninterest expense | $1,355,000 | 3,636 |
Pre-tax net operating income | $770,000 | 7,031 |
Securities gains (losses) | $18,000 | 1,859 |
Applicable income taxes | $233,000 | 6,778 |
Income before extraordinary items | $555,000 | 6,867 |
Extraordinary gains, net | $0 | 249 |
Net income | $555,000 | 6,880 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $98,000 | 3,773 |
Cash dividends | $0 | 8,932 |
Sale, conversion, retirement of capital stock, net | $1,519,000 | 349 |
Net operating income | $542,400 | 7,033 |
1993-12-31 (YTD Data) | Rank | |
Total interest income | $3,686,000 | 7,283 |
Total interest expense | $1,185,000 | 8,315 |
Net interest income | $2,501,000 | 6,544 |
Provision for loan and lease losses | $233,000 | 3,595 |
Total noninterest income | $1,205,000 | 2,898 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $279,000 | 4,705 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $926,000 | 2,146 |
Total noninterest expense | $2,838,000 | 4,729 |
Salaries and employee benefits | $1,446,000 | 4,418 |
Premises and equipment expense | $411,000 | 4,607 |
Additional noninterest expense | $981,000 | 4,999 |
Pre-tax net operating income | $635,000 | 7,720 |
Securities gains (losses) | $0 | 7,477 |
Applicable income taxes | $41,000 | 11,139 |
Income before extraordinary items | $594,000 | 6,832 |
Extraordinary gains, net | $0 | 3,149 |
Net income | $594,000 | 7,002 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $92,000 | 4,735 |
Cash dividends | $0 | 9,081 |
Sale, conversion, retirement of capital stock, net | $1,149,000 | 440 |
Net operating income | $594,000 | 6,582 |
1992-12-31 (YTD Data) | Rank | |
Total interest income | $2,013,000 | 10,872 |
Total interest expense | $917,000 | 10,782 |
Net interest income | $1,096,000 | 10,715 |
Provision for loan and lease losses | $52,000 | 8,958 |
Total noninterest income | $270,000 | 8,178 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $155,000 | 6,978 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $115,000 | 7,597 |
Total noninterest expense | $1,297,000 | 8,671 |
Salaries and employee benefits | $622,000 | 8,624 |
Premises and equipment expense | $134,000 | 9,571 |
Additional noninterest expense | $541,000 | 8,072 |
Pre-tax net operating income | $17,000 | 12,609 |
Securities gains (losses) | $0 | 8,369 |
Applicable income taxes | $0 | 12,680 |
Income before extraordinary items | $17,000 | 12,790 |
Extraordinary gains, net | $0 | 1,422 |
Net income | $17,000 | 12,786 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $-9,000 | 12,762 |
Cash dividends | $0 | 8,912 |
Sale, conversion, retirement of capital stock, net | $8,000 | 1,078 |
Net operating income | $17,000 | 12,557 |
* 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.