Home > Winsted Savings Bank > Income and Expense
Winsted Savings Bank, Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $10,455,000 | 3,174 |
| Total interest expense | $4,860,000 | 3,099 |
| Net interest income | $5,595,000 | 3,177 |
| Provision for loan and lease losses | $240,000 | 2,643 |
| Total noninterest income | $599,000 | 4,573 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $328,000 | 3,981 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $271,000 | 4,257 |
| Total noninterest expense | $4,581,000 | 2,934 |
| Salaries and employee benefits | $2,276,000 | 2,928 |
| Premises and equipment expense | $518,000 | 3,648 |
| Additional noninterest expense | $1,787,000 | 2,643 |
| Pre-tax net operating income | $1,373,000 | 4,768 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $358,000 | 5,348 |
| Income before extraordinary items | $1,015,000 | 4,543 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,015,000 | 4,541 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $511,000 | 1,359 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,015,000 | 4,532 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $9,703,000 | 3,119 |
| Total interest expense | $4,270,000 | 2,869 |
| Net interest income | $5,433,000 | 3,299 |
| Provision for loan and lease losses | $270,000 | 2,445 |
| Total noninterest income | $655,000 | 4,353 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $379,000 | 3,573 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $276,000 | 4,334 |
| Total noninterest expense | $4,774,000 | 2,886 |
| Salaries and employee benefits | $1,983,000 | 3,311 |
| Premises and equipment expense | $550,000 | 3,511 |
| Additional noninterest expense | $2,241,000 | 2,343 |
| Pre-tax net operating income | $1,044,000 | 5,774 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $807,000 | 2,743 |
| Income before extraordinary items | $237,000 | 9,840 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $237,000 | 9,852 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $144,000 | 3,040 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $237,000 | 9,908 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $9,836,000 | 3,133 |
| Total interest expense | $4,836,000 | 2,653 |
| Net interest income | $5,000,000 | 3,570 |
| Provision for loan and lease losses | $360,000 | 2,633 |
| Total noninterest income | $746,000 | 4,235 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $363,000 | 3,762 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $383,000 | 3,860 |
| Total noninterest expense | $4,675,000 | 3,026 |
| Salaries and employee benefits | $1,872,000 | 3,485 |
| Premises and equipment expense | $537,000 | 3,651 |
| Additional noninterest expense | $2,266,000 | 2,450 |
| Pre-tax net operating income | $711,000 | 7,304 |
| Securities gains (losses) | $108,000 | 2,386 |
| Applicable income taxes | $267,000 | 6,535 |
| Income before extraordinary items | $552,000 | 7,134 |
| Extraordinary gains, net | $500,000 | 465 |
| Net income | $1,052,000 | 4,626 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $599,000 | 1,584 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $479,640 | 7,460 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $11,366,000 | 3,096 |
| Total interest expense | $6,401,000 | 2,631 |
| Net interest income | $4,965,000 | 3,662 |
| Provision for loan and lease losses | $600,000 | 2,617 |
| Total noninterest income | $672,000 | 4,549 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $302,000 | 4,410 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $370,000 | 3,888 |
| Total noninterest expense | $4,799,000 | 2,982 |
| Salaries and employee benefits | $1,825,000 | 3,504 |
| Premises and equipment expense | $555,000 | 3,619 |
| Additional noninterest expense | $2,419,000 | 2,388 |
| Pre-tax net operating income | $238,000 | 10,723 |
| Securities gains (losses) | $723,000 | 826 |
| Applicable income taxes | $359,000 | 5,232 |
| Income before extraordinary items | $602,000 | 6,563 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $602,000 | 6,644 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $714,000 | 1,949 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $139,280 | 11,094 |
* 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.