Home > Winnsboro Bank and Trust > Income and Expense
Winnsboro Bank and Trust, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,969,000 | 8,038 |
| Total interest expense | $1,440,000 | 7,726 |
| Net interest income | $1,529,000 | 8,196 |
| Provision for loan and lease losses | $153,000 | 4,019 |
| Total noninterest income | $310,000 | 6,819 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $278,000 | 4,467 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $32,000 | 9,747 |
| Total noninterest expense | $1,085,000 | 8,380 |
| Salaries and employee benefits | $485,000 | 8,993 |
| Premises and equipment expense | $138,000 | 8,337 |
| Additional noninterest expense | $462,000 | 7,366 |
| Pre-tax net operating income | $601,000 | 7,412 |
| Securities gains (losses) | $4,000 | 3,123 |
| Applicable income taxes | $170,000 | 7,580 |
| Income before extraordinary items | $435,000 | 7,345 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $435,000 | 7,345 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $139,000 | 3,313 |
| Cash dividends | $10,000 | 8,198 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $432,120 | 7,312 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,875,000 | 8,411 |
| Total interest expense | $1,289,000 | 8,314 |
| Net interest income | $1,586,000 | 8,289 |
| Provision for loan and lease losses | $173,000 | 3,366 |
| Total noninterest income | $337,000 | 6,638 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $258,000 | 4,827 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $79,000 | 7,981 |
| Total noninterest expense | $1,039,000 | 8,797 |
| Salaries and employee benefits | $445,000 | 9,583 |
| Premises and equipment expense | $150,000 | 8,275 |
| Additional noninterest expense | $444,000 | 7,759 |
| Pre-tax net operating income | $711,000 | 7,270 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $213,000 | 7,202 |
| Income before extraordinary items | $498,000 | 7,271 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $498,000 | 7,270 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $275,000 | 2,056 |
| Cash dividends | $125,000 | 6,392 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $498,000 | 7,232 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,462,000 | 8,970 |
| Total interest expense | $1,044,000 | 8,502 |
| Net interest income | $1,418,000 | 9,103 |
| Provision for loan and lease losses | $20,000 | 7,754 |
| Total noninterest income | $308,000 | 7,147 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $241,000 | 5,174 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $67,000 | 8,779 |
| Total noninterest expense | $1,146,000 | 8,822 |
| Salaries and employee benefits | $446,000 | 9,864 |
| Premises and equipment expense | $117,000 | 9,478 |
| Additional noninterest expense | $583,000 | 7,157 |
| Pre-tax net operating income | $560,000 | 8,247 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $0 | 11,630 |
| Income before extraordinary items | $560,000 | 6,832 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $560,000 | 6,846 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $210,000 | 2,413 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $560,000 | 6,885 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,411,000 | 9,372 |
| Total interest expense | $948,000 | 9,339 |
| Net interest income | $1,463,000 | 9,235 |
| Provision for loan and lease losses | $110,000 | 5,504 |
| Total noninterest income | $328,000 | 7,285 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $237,000 | 5,305 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $91,000 | 8,188 |
| Total noninterest expense | $1,299,000 | 8,515 |
| Salaries and employee benefits | $445,000 | 10,204 |
| Premises and equipment expense | $147,000 | 8,987 |
| Additional noninterest expense | $707,000 | 6,512 |
| Pre-tax net operating income | $382,000 | 9,561 |
| Securities gains (losses) | $2,000 | 6,773 |
| Applicable income taxes | $153,000 | 8,564 |
| Income before extraordinary items | $231,000 | 10,259 |
| Extraordinary gains, net | $157,000 | 1,191 |
| Net income | $388,000 | 8,717 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $116,000 | 4,247 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $229,720 | 10,032 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,616,000 | 9,692 |
| Total interest expense | $1,172,000 | 9,708 |
| Net interest income | $1,444,000 | 9,471 |
| Provision for loan and lease losses | $120,000 | 6,707 |
| Total noninterest income | $346,000 | 7,165 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $197,000 | 6,054 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $149,000 | 6,659 |
| Total noninterest expense | $1,253,000 | 8,831 |
| Salaries and employee benefits | $486,000 | 9,912 |
| Premises and equipment expense | $126,000 | 9,817 |
| Additional noninterest expense | $641,000 | 7,170 |
| Pre-tax net operating income | $417,000 | 9,089 |
| Securities gains (losses) | $61,000 | 3,800 |
| Applicable income taxes | $125,000 | 9,233 |
| Income before extraordinary items | $353,000 | 8,684 |
| Extraordinary gains, net | $125,000 | 630 |
| Net income | $478,000 | 7,620 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 6,260 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $307,860 | 8,843 |
* 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.