Home > Whisperwood National Bank > Income and Expense
Whisperwood National Bank, Income and Expense
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,449,000 | 5,572 |
| Total interest expense | $1,231,000 | 6,356 |
| Net interest income | $3,218,000 | 5,053 |
| Provision for loan and lease losses | $223,000 | 4,139 |
| Total noninterest income | $917,000 | 3,664 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $688,000 | 2,276 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $229,000 | 4,760 |
| Total noninterest expense | $3,307,000 | 4,144 |
| Salaries and employee benefits | $1,792,000 | 4,106 |
| Premises and equipment expense | $483,000 | 4,045 |
| Additional noninterest expense | $1,032,000 | 4,071 |
| Pre-tax net operating income | $605,000 | 6,408 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $22,000 | 7,002 |
| Income before extraordinary items | $583,000 | 6,037 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $583,000 | 6,036 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $88,000 | 4,383 |
| Cash dividends | $278,000 | 4,460 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $583,000 | 5,898 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,711,000 | 5,155 |
| Total interest expense | $2,517,000 | 5,375 |
| Net interest income | $3,194,000 | 4,849 |
| Provision for loan and lease losses | $219,000 | 3,942 |
| Total noninterest income | $989,000 | 3,365 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $749,000 | 2,021 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $240,000 | 4,564 |
| Total noninterest expense | $3,304,000 | 4,014 |
| Salaries and employee benefits | $1,604,000 | 4,296 |
| Premises and equipment expense | $510,000 | 3,806 |
| Additional noninterest expense | $1,190,000 | 3,529 |
| Pre-tax net operating income | $660,000 | 5,954 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $660,000 | 5,368 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $660,000 | 5,371 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $221,000 | 2,700 |
| Cash dividends | $453,000 | 3,634 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $660,000 | 5,240 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,102,000 | 5,019 |
| Total interest expense | $2,608,000 | 5,413 |
| Net interest income | $3,494,000 | 4,612 |
| Provision for loan and lease losses | $126,000 | 4,747 |
| Total noninterest income | $889,000 | 3,424 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $178,000 | 5,391 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $711,000 | 2,335 |
| Total noninterest expense | $3,067,000 | 4,154 |
| Salaries and employee benefits | $1,564,000 | 4,214 |
| Premises and equipment expense | $458,000 | 4,074 |
| Additional noninterest expense | $1,045,000 | 3,857 |
| Pre-tax net operating income | $1,190,000 | 4,739 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $7,000 | 8,144 |
| Income before extraordinary items | $1,183,000 | 3,895 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,183,000 | 3,895 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $93,000 | 3,695 |
| Cash dividends | $1,053,000 | 2,176 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,183,000 | 3,881 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,294,000 | 5,367 |
| Total interest expense | $2,094,000 | 5,827 |
| Net interest income | $3,200,000 | 4,940 |
| Provision for loan and lease losses | $60,000 | 6,124 |
| Total noninterest income | $850,000 | 3,474 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $178,000 | 5,419 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $672,000 | 2,446 |
| Total noninterest expense | $2,938,000 | 4,287 |
| Salaries and employee benefits | $1,507,000 | 4,320 |
| Premises and equipment expense | $480,000 | 3,901 |
| Additional noninterest expense | $951,000 | 4,176 |
| Pre-tax net operating income | $1,052,000 | 5,153 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $1,052,000 | 4,265 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,052,000 | 4,268 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,495 |
| Cash dividends | $725,000 | 2,842 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,052,000 | 4,226 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,245,000 | 5,487 |
| Total interest expense | $2,255,000 | 5,739 |
| Net interest income | $2,990,000 | 5,144 |
| Provision for loan and lease losses | $140,000 | 4,320 |
| Total noninterest income | $638,000 | 4,223 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $171,000 | 5,591 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $467,000 | 3,106 |
| Total noninterest expense | $2,548,000 | 4,705 |
| Salaries and employee benefits | $1,358,000 | 4,603 |
| Premises and equipment expense | $435,000 | 4,136 |
| Additional noninterest expense | $755,000 | 4,872 |
| Pre-tax net operating income | $940,000 | 5,606 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $136,000 | 7,036 |
| Income before extraordinary items | $804,000 | 5,181 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $804,000 | 5,181 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $151,000 | 2,906 |
| Cash dividends | $254,000 | 4,907 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $804,000 | 5,090 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,060,000 | 5,756 |
| Total interest expense | $2,125,000 | 6,033 |
| Net interest income | $2,935,000 | 5,398 |
| Provision for loan and lease losses | $145,000 | 4,221 |
| Total noninterest income | $732,000 | 3,836 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $213,000 | 5,150 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $519,000 | 2,749 |
| Total noninterest expense | $2,488,000 | 4,794 |
| Salaries and employee benefits | $1,301,000 | 4,780 |
| Premises and equipment expense | $459,000 | 3,981 |
| Additional noninterest expense | $728,000 | 5,069 |
| Pre-tax net operating income | $1,034,000 | 5,735 |
| Securities gains (losses) | $14,000 | 2,133 |
| Applicable income taxes | $356,000 | 5,248 |
| Income before extraordinary items | $692,000 | 5,946 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $692,000 | 5,948 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 3,337 |
| Cash dividends | $350,000 | 4,223 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $682,760 | 5,931 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,888,000 | 6,043 |
| Total interest expense | $1,952,000 | 6,513 |
| Net interest income | $2,936,000 | 5,523 |
| Provision for loan and lease losses | $221,000 | 3,191 |
| Total noninterest income | $741,000 | 3,913 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $616,000 | 2,194 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $125,000 | 6,477 |
| Total noninterest expense | $2,514,000 | 4,984 |
| Salaries and employee benefits | $1,359,000 | 4,692 |
| Premises and equipment expense | $314,000 | 5,403 |
| Additional noninterest expense | $841,000 | 5,006 |
| Pre-tax net operating income | $942,000 | 5,946 |
| Securities gains (losses) | $8,000 | 2,673 |
| Applicable income taxes | $311,000 | 5,722 |
| Income before extraordinary items | $639,000 | 6,043 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $639,000 | 6,045 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $175,000 | 2,887 |
| Cash dividends | $325,000 | 4,335 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $633,640 | 6,019 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,926,000 | 7,083 |
| Total interest expense | $1,488,000 | 7,737 |
| Net interest income | $2,438,000 | 6,418 |
| Provision for loan and lease losses | $30,000 | 7,070 |
| Total noninterest income | $771,000 | 3,786 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $642,000 | 2,122 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $129,000 | 6,436 |
| Total noninterest expense | $2,215,000 | 5,525 |
| Salaries and employee benefits | $1,221,000 | 5,138 |
| Premises and equipment expense | $283,000 | 5,881 |
| Additional noninterest expense | $711,000 | 5,767 |
| Pre-tax net operating income | $964,000 | 6,134 |
| Securities gains (losses) | $3,000 | 3,092 |
| Applicable income taxes | $328,000 | 5,688 |
| Income before extraordinary items | $639,000 | 6,381 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $639,000 | 6,379 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 7,018 |
| Cash dividends | $360,000 | 4,106 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $637,020 | 6,382 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,296,000 | 7,624 |
| Total interest expense | $1,159,000 | 8,063 |
| Net interest income | $2,137,000 | 7,231 |
| Provision for loan and lease losses | $24,000 | 7,499 |
| Total noninterest income | $803,000 | 3,718 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $269,000 | 4,765 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $534,000 | 2,831 |
| Total noninterest expense | $2,017,000 | 6,164 |
| Salaries and employee benefits | $977,000 | 6,195 |
| Premises and equipment expense | $310,000 | 5,563 |
| Additional noninterest expense | $730,000 | 6,128 |
| Pre-tax net operating income | $899,000 | 6,408 |
| Securities gains (losses) | $-7,000 | 9,611 |
| Applicable income taxes | $305,000 | 5,815 |
| Income before extraordinary items | $587,000 | 6,645 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $587,000 | 6,658 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $250,000 | 4,888 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $591,620 | 6,662 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,305,000 | 7,831 |
| Total interest expense | $1,159,000 | 8,445 |
| Net interest income | $2,146,000 | 7,310 |
| Provision for loan and lease losses | $85,000 | 6,189 |
| Total noninterest income | $793,000 | 4,015 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $313,000 | 4,262 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $480,000 | 3,350 |
| Total noninterest expense | $1,879,000 | 6,678 |
| Salaries and employee benefits | $921,000 | 6,591 |
| Premises and equipment expense | $293,000 | 5,976 |
| Additional noninterest expense | $665,000 | 6,824 |
| Pre-tax net operating income | $975,000 | 5,993 |
| Securities gains (losses) | $96,000 | 2,561 |
| Applicable income taxes | $370,000 | 5,290 |
| Income before extraordinary items | $701,000 | 6,107 |
| Extraordinary gains, net | $65,000 | 1,965 |
| Net income | $766,000 | 5,893 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 6,927 |
| Cash dividends | $200,000 | 5,372 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $638,600 | 6,264 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,386,000 | 8,351 |
| Total interest expense | $1,448,000 | 8,673 |
| Net interest income | $1,938,000 | 7,925 |
| Provision for loan and lease losses | $94,000 | 7,468 |
| Total noninterest income | $829,000 | 3,876 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $690,000 | 1,970 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $139,000 | 6,908 |
| Total noninterest expense | $1,781,000 | 7,004 |
| Salaries and employee benefits | $818,000 | 7,144 |
| Premises and equipment expense | $250,000 | 6,773 |
| Additional noninterest expense | $713,000 | 6,675 |
| Pre-tax net operating income | $892,000 | 6,137 |
| Securities gains (losses) | $17,000 | 5,804 |
| Applicable income taxes | $309,000 | 5,805 |
| Income before extraordinary items | $600,000 | 6,582 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $600,000 | 6,664 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 7,390 |
| Cash dividends | $165,000 | 5,533 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $588,780 | 6,292 |
* 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.