Home > Wilbur Savings Bank > Income and Expense

Wilbur Savings Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$1,162,000	10,576
Total interest expense	$686,000	10,006
Net interest income	$476,000	10,938
Provision for loan and lease losses	$0	9,041
Total noninterest income	$41,000	10,992
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	262
Additional Noninterest Income	$41,000	9,308
Total noninterest expense	$443,000	10,820
Salaries and employee benefits	$174,000	11,145
Premises and equipment expense	$71,000	10,045
Additional noninterest expense	$198,000	9,951
Pre-tax net operating income	$74,000	10,492
Securities gains (losses)	$0	4,148
Applicable income taxes	$-3,000	10,903
Income before extraordinary items	$77,000	10,408
Extraordinary gains, net	$0	53
Net income	$77,000	10,406
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,805
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$77,000	10,363
1995-12-31 (YTD Data)		Rank
Total interest income	$1,127,000	11,079
Total interest expense	$640,000	10,523
Net interest income	$487,000	11,426
Provision for loan and lease losses	$0	8,958
Total noninterest income	$28,000	11,682
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	522
Additional Noninterest Income	$28,000	10,398
Total noninterest expense	$340,000	11,617
Salaries and employee benefits	$174,000	11,628
Premises and equipment expense	$56,000	10,906
Additional noninterest expense	$110,000	11,520
Pre-tax net operating income	$175,000	10,607
Securities gains (losses)	$-23,000	10,647
Applicable income taxes	$27,000	10,638
Income before extraordinary items	$125,000	10,700
Extraordinary gains, net	$0	65
Net income	$125,000	10,701
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,856
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	NA	NA
Net operating income	$143,860	10,492
1994-12-31 (YTD Data)		Rank
Total interest income	$1,119,000	11,493
Total interest expense	$547,000	10,865
Net interest income	$572,000	11,793
Provision for loan and lease losses	$0	9,146
Total noninterest income	$20,000	12,383
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	475
Additional Noninterest Income	$20,000	11,420
Total noninterest expense	$352,000	12,204
Salaries and employee benefits	$163,000	12,295
Premises and equipment expense	$75,000	10,805
Additional noninterest expense	$114,000	12,174
Pre-tax net operating income	$240,000	10,576
Securities gains (losses)	$0	3,600
Applicable income taxes	$78,000	9,862
Income before extraordinary items	$162,000	10,684
Extraordinary gains, net	$0	249
Net income	$162,000	10,690
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,921
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$162,000	10,724
1993-12-31 (YTD Data)		Rank
Total interest income	$1,197,000	11,893
Total interest expense	$604,000	11,118
Net interest income	$593,000	12,235
Provision for loan and lease losses	$18,000	9,198
Total noninterest income	$28,000	12,964
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$28,000	11,437
Total noninterest expense	$319,000	12,923
Salaries and employee benefits	$142,000	13,022
Premises and equipment expense	$76,000	11,310
Additional noninterest expense	$101,000	12,925
Pre-tax net operating income	$284,000	10,370
Securities gains (losses)	$0	7,477
Applicable income taxes	$83,000	10,142
Income before extraordinary items	$201,000	10,646
Extraordinary gains, net	$0	3,149
Net income	$201,000	10,752
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	9,922
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$201,000	10,418
1992-12-31 (YTD Data)		Rank
Total interest income	$1,232,000	12,527
Total interest expense	$811,000	11,274
Net interest income	$421,000	13,330
Provision for loan and lease losses	$24,000	10,335
Total noninterest income	$86,000	12,095
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$86,000	8,594
Total noninterest expense	$294,000	13,579
Salaries and employee benefits	$132,000	13,665
Premises and equipment expense	$81,000	11,458
Additional noninterest expense	$81,000	13,677
Pre-tax net operating income	$189,000	11,179
Securities gains (losses)	$0	8,369
Applicable income taxes	$103,000	9,836
Income before extraordinary items	$86,000	12,138
Extraordinary gains, net	$0	1,422
Net income	$86,000	12,186
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	$86,000	11,838

* 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.