Home > Woburn National Bank > Income and Expense
Woburn National Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $12,572,000 | 2,606 |
| Total interest expense | $3,783,000 | 3,886 |
| Net interest income | $8,789,000 | 1,975 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $825,000 | 3,501 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $680,000 | 1,921 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $145,000 | 5,788 |
| Total noninterest expense | $4,798,000 | 2,672 |
| Salaries and employee benefits | $3,168,000 | 2,082 |
| Premises and equipment expense | $763,000 | 2,529 |
| Additional noninterest expense | $867,000 | 4,452 |
| Pre-tax net operating income | $4,816,000 | 1,604 |
| Securities gains (losses) | $47,000 | 1,374 |
| Applicable income taxes | $1,920,000 | 1,377 |
| Income before extraordinary items | $2,943,000 | 1,795 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,943,000 | 1,793 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-128,000 | 10,757 |
| Cash dividends | $999,000 | 2,212 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,912,920 | 1,775 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $12,171,000 | 2,726 |
| Total interest expense | $3,864,000 | 3,834 |
| Net interest income | $8,307,000 | 2,168 |
| Provision for loan and lease losses | $100,000 | 5,070 |
| Total noninterest income | $830,000 | 3,601 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $662,000 | 2,037 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $168,000 | 5,634 |
| Total noninterest expense | $4,723,000 | 2,895 |
| Salaries and employee benefits | $2,970,000 | 2,244 |
| Premises and equipment expense | $696,000 | 2,812 |
| Additional noninterest expense | $1,057,000 | 4,206 |
| Pre-tax net operating income | $4,314,000 | 1,679 |
| Securities gains (losses) | $-13,000 | 10,409 |
| Applicable income taxes | $1,708,000 | 1,418 |
| Income before extraordinary items | $2,593,000 | 1,906 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,593,000 | 1,907 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $665,000 | 1,162 |
| Cash dividends | $667,000 | 2,836 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,601,320 | 1,864 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $11,322,000 | 2,943 |
| Total interest expense | $3,549,000 | 4,107 |
| Net interest income | $7,773,000 | 2,313 |
| Provision for loan and lease losses | $200,000 | 2,992 |
| Total noninterest income | $927,000 | 3,289 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $643,000 | 2,116 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $284,000 | 4,134 |
| Total noninterest expense | $4,708,000 | 2,863 |
| Salaries and employee benefits | $2,861,000 | 2,316 |
| Premises and equipment expense | $624,000 | 3,106 |
| Additional noninterest expense | $1,223,000 | 3,678 |
| Pre-tax net operating income | $3,792,000 | 1,947 |
| Securities gains (losses) | $-174,000 | 11,649 |
| Applicable income taxes | $1,442,000 | 1,700 |
| Income before extraordinary items | $2,176,000 | 2,324 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,176,000 | 2,322 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $800,000 | 1,029 |
| Cash dividends | $480,000 | 3,448 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,287,360 | 2,176 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $10,111,000 | 3,007 |
| Total interest expense | $3,357,000 | 3,573 |
| Net interest income | $6,754,000 | 2,679 |
| Provision for loan and lease losses | $350,000 | 2,026 |
| Total noninterest income | $841,000 | 3,561 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $613,000 | 2,218 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $228,000 | 4,839 |
| Total noninterest expense | $5,022,000 | 2,772 |
| Salaries and employee benefits | $2,885,000 | 2,320 |
| Premises and equipment expense | $612,000 | 3,215 |
| Additional noninterest expense | $1,525,000 | 3,244 |
| Pre-tax net operating income | $2,223,000 | 3,146 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $869,000 | 2,576 |
| Income before extraordinary items | $1,354,000 | 3,464 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,354,000 | 3,471 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $451,000 | 1,466 |
| Cash dividends | $240,000 | 5,038 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,354,000 | 3,492 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $10,089,000 | 3,053 |
| Total interest expense | $3,620,000 | 3,466 |
| Net interest income | $6,469,000 | 2,798 |
| Provision for loan and lease losses | $700,000 | 1,660 |
| Total noninterest income | $795,000 | 4,009 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $652,000 | 2,098 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $143,000 | 6,719 |
| Total noninterest expense | $5,524,000 | 2,593 |
| Salaries and employee benefits | $2,763,000 | 2,411 |
| Premises and equipment expense | $612,000 | 3,271 |
| Additional noninterest expense | $2,149,000 | 2,570 |
| Pre-tax net operating income | $1,040,000 | 5,740 |
| Securities gains (losses) | $-12,000 | 12,812 |
| Applicable income taxes | $353,000 | 5,462 |
| Income before extraordinary items | $675,000 | 6,260 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $675,000 | 6,435 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,127,000 | 1,067 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $682,920 | 5,965 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $11,810,000 | 2,973 |
| Total interest expense | $4,982,000 | 3,320 |
| Net interest income | $6,828,000 | 2,665 |
| Provision for loan and lease losses | $2,518,000 | 962 |
| Total noninterest income | $830,000 | 3,872 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $684,000 | 1,990 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $146,000 | 6,738 |
| Total noninterest expense | $4,999,000 | 2,872 |
| Salaries and employee benefits | $2,492,000 | 2,607 |
| Premises and equipment expense | $564,000 | 3,561 |
| Additional noninterest expense | $1,943,000 | 2,867 |
| Pre-tax net operating income | $141,000 | 11,609 |
| Securities gains (losses) | $280,000 | 1,603 |
| Applicable income taxes | $146,000 | 8,720 |
| Income before extraordinary items | $275,000 | 9,620 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $275,000 | 9,756 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,844,000 | 1,012 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $93,000 | 11,723 |
* 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.