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Workingmens Savings Bank, Income and Expense

2000-12-31 (YTD Data)		Rank
Total interest income	$2,739,000	7,674
Total interest expense	$1,605,000	6,959
Net interest income	$1,134,000	8,219
Provision for loan and lease losses	$0	8,337
Total noninterest income	$257,000	6,699
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	180
Additional Noninterest Income	$257,000	4,239
Total noninterest expense	$1,160,000	7,599
Salaries and employee benefits	$641,000	7,489
Premises and equipment expense	$239,000	6,207
Additional noninterest expense	$280,000	8,105
Pre-tax net operating income	$231,000	8,233
Securities gains (losses)	$8,000	1,222
Applicable income taxes	$73,000	6,884
Income before extraordinary items	$166,000	8,311
Extraordinary gains, net	$0	38
Net income	$166,000	8,309
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	6,934
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$160,480	8,350
1999-12-31 (YTD Data)		Rank
Total interest income	$2,599,000	7,798
Total interest expense	$1,528,000	6,908
Net interest income	$1,071,000	8,465
Provision for loan and lease losses	$0	8,503
Total noninterest income	$318,000	6,282
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	173
Additional Noninterest Income	$318,000	3,891
Total noninterest expense	$1,157,000	7,679
Salaries and employee benefits	$604,000	7,736
Premises and equipment expense	$239,000	6,199
Additional noninterest expense	$314,000	8,015
Pre-tax net operating income	$232,000	8,419
Securities gains (losses)	$39,000	1,079
Applicable income taxes	$87,000	7,116
Income before extraordinary items	$184,000	8,408
Extraordinary gains, net	$0	35
Net income	$184,000	8,407
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	6,730
Cash dividends	$200,000	5,191
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$157,480	8,550
1998-12-31 (YTD Data)		Rank
Total interest income	$2,609,000	7,972
Total interest expense	$1,487,000	7,221
Net interest income	$1,122,000	8,518
Provision for loan and lease losses	$15,000	7,946
Total noninterest income	$163,000	8,045
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	224
Additional Noninterest Income	$163,000	5,471
Total noninterest expense	$1,120,000	7,767
Salaries and employee benefits	$578,000	7,882
Premises and equipment expense	$223,000	6,369
Additional noninterest expense	$319,000	7,939
Pre-tax net operating income	$150,000	9,172
Securities gains (losses)	$61,000	1,591
Applicable income taxes	$62,000	8,116
Income before extraordinary items	$149,000	8,985
Extraordinary gains, net	$0	32
Net income	$149,000	8,983
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$37,000	5,453
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$105,690	9,234
1997-12-31 (YTD Data)		Rank
Total interest income	$2,447,000	8,450
Total interest expense	$1,438,000	7,491
Net interest income	$1,009,000	9,167
Provision for loan and lease losses	$132,000	4,415
Total noninterest income	$126,000	8,960
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	239
Additional Noninterest Income	$126,000	6,144
Total noninterest expense	$944,000	8,538
Salaries and employee benefits	$516,000	8,489
Premises and equipment expense	$199,000	6,876
Additional noninterest expense	$229,000	9,081
Pre-tax net operating income	$59,000	10,215
Securities gains (losses)	$0	3,944
Applicable income taxes	$5,000	9,963
Income before extraordinary items	$54,000	10,215
Extraordinary gains, net	$35,000	19
Net income	$89,000	10,028
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,513
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$1,625,000	398
Net operating income	$54,000	10,182
1996-12-31 (YTD Data)		Rank
Total interest income	$2,162,000	9,153
Total interest expense	$1,292,000	8,129
Net interest income	$870,000	9,911
Provision for loan and lease losses	$44,000	6,866
Total noninterest income	$124,000	9,461
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	262
Additional Noninterest Income	$124,000	6,505
Total noninterest expense	$1,007,000	8,645
Salaries and employee benefits	$383,000	9,731
Premises and equipment expense	$164,000	7,747
Additional noninterest expense	$460,000	7,381
Pre-tax net operating income	$-57,000	10,905
Securities gains (losses)	$-1,000	9,274
Applicable income taxes	$-53,000	11,079
Income before extraordinary items	$-5,000	10,831
Extraordinary gains, net	$0	53
Net income	$-5,000	10,827
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-11,000	10,437
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$-4,360	10,783
1995-12-31 (YTD Data)		Rank
Total interest income	$1,909,000	9,868
Total interest expense	$1,161,000	8,714
Net interest income	$748,000	10,691
Provision for loan and lease losses	$20,000	7,637
Total noninterest income	$102,000	10,232
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	522
Additional Noninterest Income	$102,000	7,172
Total noninterest expense	$782,000	9,849
Salaries and employee benefits	$363,000	10,232
Premises and equipment expense	$123,000	8,962
Additional noninterest expense	$296,000	9,276
Pre-tax net operating income	$48,000	11,312
Securities gains (losses)	$32,000	1,585
Applicable income taxes	$-20,000	11,556
Income before extraordinary items	$100,000	10,931
Extraordinary gains, net	$5,000	58
Net income	$105,000	10,888
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	7,475
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	NA	NA
Net operating income	$68,000	11,155
1994-12-31 (YTD Data)		Rank
Total interest income	$1,768,000	10,233
Total interest expense	$924,000	9,017
Net interest income	$844,000	10,901
Provision for loan and lease losses	$22,000	7,672
Total noninterest income	$104,000	10,637
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	475
Additional Noninterest Income	$104,000	7,391
Total noninterest expense	$720,000	10,615
Salaries and employee benefits	$351,000	10,725
Premises and equipment expense	$109,000	9,741
Additional noninterest expense	$260,000	10,401
Pre-tax net operating income	$206,000	10,847
Securities gains (losses)	$0	3,600
Applicable income taxes	$63,000	10,161
Income before extraordinary items	$143,000	10,903
Extraordinary gains, net	$0	249
Net income	$143,000	10,908
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$34,000	5,780
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$143,000	10,959
1993-12-31 (YTD Data)		Rank
Total interest income	$1,911,000	10,359
Total interest expense	$1,016,000	9,028
Net interest income	$895,000	11,184
Provision for loan and lease losses	$26,000	8,647
Total noninterest income	$80,000	11,805
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$80,000	8,622
Total noninterest expense	$664,000	11,335
Salaries and employee benefits	$314,000	11,509
Premises and equipment expense	$103,000	10,359
Additional noninterest expense	$247,000	11,121
Pre-tax net operating income	$285,000	10,361
Securities gains (losses)	$60,000	3,157
Applicable income taxes	$107,000	9,575
Income before extraordinary items	$238,000	10,176
Extraordinary gains, net	$16,000	2,794
Net income	$254,000	10,131
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	9,031
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$196,600	10,477
1992-12-31 (YTD Data)		Rank
Total interest income	$2,095,000	10,708
Total interest expense	$1,210,000	9,566
Net interest income	$885,000	11,577
Provision for loan and lease losses	$75,000	8,067
Total noninterest income	$100,000	11,727
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$100,000	8,063
Total noninterest expense	$680,000	11,621
Salaries and employee benefits	$309,000	11,906
Premises and equipment expense	$102,000	10,663
Additional noninterest expense	$269,000	11,288
Pre-tax net operating income	$230,000	10,788
Securities gains (losses)	$64,000	3,722
Applicable income taxes	$128,000	9,159
Income before extraordinary items	$166,000	11,048
Extraordinary gains, net	$0	1,422
Net income	$166,000	11,142
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	$125,040	11,298

* 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.