Home > Peoples Bank > Income and Expense

Peoples Bank, Income and Expense

2003-12-31 (YTD Data)Rank
Total interest income$4,198,0005,470
Total interest expense$2,170,0003,762
Net interest income$2,028,0006,556
Provision for loan and lease losses$1,200,000979
Total noninterest income$821,0004,179
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$451,0003,369
Trading account gains and fees$0160
Additional Noninterest Income$370,0004,117
Total noninterest expense$2,852,0004,770
Salaries and employee benefits$1,239,0005,522
Premises and equipment expense$381,0004,910
Additional noninterest expense$1,232,0003,654
Pre-tax net operating income$-1,203,0009,010
Securities gains (losses)$158,0001,518
Applicable income taxes$-371,0009,071
Income before extraordinary items$-674,0008,960
Extraordinary gains, net$054
Net income$-674,0008,959
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,395,000488
Cash dividends$06,283
Sale, conversion, retirement of capital stock, net$0868
Net operating income$-775,1208,935
2003-09-30 (YTD Data)Rank
Total interest income$3,117,0005,565
Total interest expense$1,698,0003,738
Net interest income$1,419,0006,796
Provision for loan and lease losses$1,200,000763
Total noninterest income$553,0004,452
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$343,0003,338
Trading account gains and fees$0153
Additional Noninterest Income$210,0004,699
Total noninterest expense$2,209,0004,640
Salaries and employee benefits$960,0005,389
Premises and equipment expense$280,0004,953
Additional noninterest expense$969,0003,482
Pre-tax net operating income$-1,437,0009,125
Securities gains (losses)$159,0001,377
Applicable income taxes$-463,0009,167
Income before extraordinary items$-815,0009,101
Extraordinary gains, net$040
Net income$-815,0009,099
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,323,000387
Cash dividends$05,519
Sale, conversion, retirement of capital stock, net$0722
Net operating income$-916,7609,073
2003-06-30 (YTD Data)Rank
Total interest income$2,074,0005,617
Total interest expense$1,201,0003,663
Net interest income$873,0007,048
Provision for loan and lease losses$1,200,000559
Total noninterest income$368,0004,447
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$226,0003,314
Trading account gains and fees$0150
Additional Noninterest Income$142,0004,662
Total noninterest expense$1,498,0004,595
Salaries and employee benefits$650,0005,357
Premises and equipment expense$186,0004,936
Additional noninterest expense$662,0003,397
Pre-tax net operating income$-1,457,0009,199
Securities gains (losses)$155,0001,207
Applicable income taxes$-454,0009,216
Income before extraordinary items$-848,0009,190
Extraordinary gains, net$030
Net income$-848,0009,189
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,124,000317
Cash dividends$05,215
Sale, conversion, retirement of capital stock, net$0589
Net operating income$-948,7509,156
2003-03-31 (YTD Data)Rank
Total interest income$1,043,0005,628
Total interest expense$639,0003,565
Net interest income$404,0007,266
Provision for loan and lease losses$800,000445
Total noninterest income$140,0005,063
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$109,0003,332
Trading account gains and fees$0134
Additional Noninterest Income$31,0006,166
Total noninterest expense$741,0004,614
Salaries and employee benefits$288,0005,757
Premises and equipment expense$94,0004,897
Additional noninterest expense$359,0003,128
Pre-tax net operating income$-997,0009,261
Securities gains (losses)$59,0001,296
Applicable income taxes$-327,0009,274
Income before extraordinary items$-611,0009,262
Extraordinary gains, net$021
Net income$-611,0009,259
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$323,000667
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$0419
Net operating income$-649,3509,233
2002-12-31 (YTD Data)Rank
Total interest income$5,737,0004,696
Total interest expense$3,254,0003,302
Net interest income$2,483,0005,936
Provision for loan and lease losses$4,437,000422
Total noninterest income$1,009,0003,466
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$469,0003,137
Trading account gains and fees$0153
Additional Noninterest Income$540,0003,149
Total noninterest expense$3,004,0004,454
Salaries and employee benefits$1,169,0005,575
Premises and equipment expense$431,0004,390
Additional noninterest expense$1,404,0003,121
Pre-tax net operating income$-3,949,0009,305
Securities gains (losses)$77,0002,005
Applicable income taxes$-1,393,0009,307
Income before extraordinary items$-2,479,0009,296
Extraordinary gains, net$070
Net income$-2,479,0009,294
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$4,205,000359
Cash dividends$06,377
Sale, conversion, retirement of capital stock, net$0862
Net operating income$-2,528,2809,276
2001-12-31 (YTD Data)Rank
Total interest income$9,288,0003,532
Total interest expense$5,772,0002,766
Net interest income$3,516,0004,542
Provision for loan and lease losses$3,028,000506
Total noninterest income$450,0005,365
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$400,0003,403
Trading account gains and fees$0177
Additional Noninterest Income$50,0007,689
Total noninterest expense$2,926,0004,420
Salaries and employee benefits$1,231,0005,220
Premises and equipment expense$139,0007,706
Additional noninterest expense$1,556,0002,779
Pre-tax net operating income$-1,988,0009,487
Securities gains (losses)$43,0002,496
Applicable income taxes$-743,0009,531
Income before extraordinary items$-1,202,0009,456
Extraordinary gains, net$0105
Net income$-1,202,0009,457
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,262,000524
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$0922
Net operating income$-1,229,5209,429
2000-12-31 (YTD Data)Rank
Total interest income$10,492,0003,267
Total interest expense$6,396,0002,607
Net interest income$4,096,0004,103
Provision for loan and lease losses$4,665,000336
Total noninterest income$1,053,0003,025
Gross Fiduciary activities income$01,332
Service charges on deposit accounts$455,0002,938
Trading account gains and fees$0180
Additional Noninterest Income$598,0002,635
Total noninterest expense$2,336,0005,098
Salaries and employee benefits$1,077,0005,634
Premises and equipment expense$136,0007,816
Additional noninterest expense$1,123,0003,640
Pre-tax net operating income$-1,852,0009,815
Securities gains (losses)$01,956
Applicable income taxes$-704,0009,816
Income before extraordinary items$-1,148,0009,755
Extraordinary gains, net$038
Net income$-1,148,0009,754
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,987,000312
Cash dividends$691,0002,955
Sale, conversion, retirement of capital stock, net$0969
Net operating income$-1,148,0009,760
1999-12-31 (YTD Data)Rank
Total interest income$9,313,0003,434
Total interest expense$4,848,0003,015
Net interest income$4,465,0003,809
Provision for loan and lease losses$403,0002,090
Total noninterest income$806,0003,601
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$429,0003,033
Trading account gains and feesNANA
Additional Noninterest Income$377,0003,553
Total noninterest expense$2,140,0005,414
Salaries and employee benefits$906,0006,276
Premises and equipment expense$94,0008,748
Additional noninterest expense$1,140,0003,603
Pre-tax net operating income$2,728,0002,608
Securities gains (losses)$2,0002,566
Applicable income taxes$1,059,0002,127
Income before extraordinary items$1,671,0002,973
Extraordinary gains, net$035
Net income$1,671,0002,974
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$367,0001,556
Cash dividends$1,956,0001,406
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$1,669,7202,944
1998-12-31 (YTD Data)Rank
Total interest income$8,399,0003,763
Total interest expense$4,533,0003,273
Net interest income$3,866,0004,241
Provision for loan and lease losses$587,0001,530
Total noninterest income$2,432,0001,574
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$408,0003,085
Trading account gains and feesNANA
Additional Noninterest Income$2,024,0001,150
Total noninterest expense$1,879,0005,824
Salaries and employee benefits$730,0007,023
Premises and equipment expense$100,0008,699
Additional noninterest expense$1,049,0003,792
Pre-tax net operating income$3,832,0001,903
Securities gains (losses)$04,449
Applicable income taxes$1,075,0002,179
Income before extraordinary items$2,757,0001,896
Extraordinary gains, net$032
Net income$2,757,0001,896
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$166,0002,751
Cash dividends$512,0003,449
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$2,757,0001,825
1997-12-31 (YTD Data)Rank
Total interest income$6,522,0004,760
Total interest expense$3,453,0004,184
Net interest income$3,069,0005,210
Provision for loan and lease losses$318,0002,480
Total noninterest income$1,102,0002,818
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$322,0003,864
Trading account gains and feesNANA
Additional Noninterest Income$780,0002,066
Total noninterest expense$1,713,0006,257
Salaries and employee benefits$599,0007,923
Premises and equipment expense$79,0009,459
Additional noninterest expense$1,035,0003,777
Pre-tax net operating income$2,140,0003,326
Securities gains (losses)$-12,00010,127
Applicable income taxes$803,0002,919
Income before extraordinary items$1,325,0003,739
Extraordinary gains, net$044
Net income$1,325,0003,738
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$307,0001,932
Cash dividends$300,0004,516
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$1,332,6803,638
1996-12-31 (YTD Data)Rank
Total interest income$4,408,0006,480
Total interest expense$2,226,0005,999
Net interest income$2,182,0006,798
Provision for loan and lease losses$186,0003,572
Total noninterest income$1,190,0002,698
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$191,0005,711
Trading account gains and feesNANA
Additional Noninterest Income$999,0001,823
Total noninterest expense$1,649,0006,707
Salaries and employee benefits$473,0009,081
Premises and equipment expense$55,00010,490
Additional noninterest expense$1,121,0004,000
Pre-tax net operating income$1,537,0004,249
Securities gains (losses)$-95,00011,188
Applicable income taxes$340,0005,426
Income before extraordinary items$1,102,0004,143
Extraordinary gains, net$053
Net income$1,102,0004,144
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$26,0006,379
Cash dividends$250,0004,932
Sale, conversion, retirement of capital stock, net$0953
Net operating income$1,174,2003,895
1995-12-31 (YTD Data)Rank
Total interest income$3,304,0007,801
Total interest expense$1,738,0007,049
Net interest income$1,566,0008,351
Provision for loan and lease losses$172,0003,375
Total noninterest income$990,0003,127
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$150,0006,661
Trading account gains and feesNANA
Additional Noninterest Income$840,0002,031
Total noninterest expense$1,485,0007,323
Salaries and employee benefits$503,0009,091
Premises and equipment expense$63,00010,685
Additional noninterest expense$919,0004,687
Pre-tax net operating income$899,0006,422
Securities gains (losses)$03,831
Applicable income taxes$297,0006,032
Income before extraordinary items$602,0006,602
Extraordinary gains, net$065
Net income$602,0006,600
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$29,0006,055
Cash dividends$201,0005,438
Sale, conversion, retirement of capital stock, net$0809
Net operating income$602,0006,592
1994-12-31 (YTD Data)Rank
Total interest income$2,325,0009,211
Total interest expense$997,0008,709
Net interest income$1,328,0009,371
Provision for loan and lease losses$165,0003,404
Total noninterest income$1,208,0002,724
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$32,00010,262
Trading account gains and feesNANA
Additional Noninterest Income$1,176,0001,650
Total noninterest expense$1,329,0008,144
Salaries and employee benefits$469,0009,664
Premises and equipment expense$57,00011,399
Additional noninterest expense$803,0005,695
Pre-tax net operating income$1,042,0005,788
Securities gains (losses)$03,600
Applicable income taxes$252,0006,503
Income before extraordinary items$790,0005,410
Extraordinary gains, net$0249
Net income$790,0005,425
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$89,0003,935
Cash dividends$833,0002,209
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$790,0005,475
1993-12-31 (YTD Data)Rank
Total interest income$1,743,00010,719
Total interest expense$794,00010,077
Net interest income$949,00010,961
Provision for loan and lease losses$47,0007,653
Total noninterest income$888,0003,671
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$22,00010,960
Trading account gains and feesNANA
Additional Noninterest Income$866,0002,260
Total noninterest expense$1,169,0009,016
Salaries and employee benefits$474,0009,914
Premises and equipment expense$54,00012,082
Additional noninterest expense$641,0007,003
Pre-tax net operating income$621,0007,806
Securities gains (losses)$13,0005,183
Applicable income taxes$216,0007,326
Income before extraordinary items$418,0008,256
Extraordinary gains, net$203,0001,003
Net income$621,0006,783
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$24,0007,435
Cash dividends$130,0006,378
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$409,4208,059
1992-12-31 (YTD Data)Rank
Total interest income$1,530,00011,888
Total interest expense$968,00010,540
Net interest income$562,00012,872
Provision for loan and lease losses$57,0008,768
Total noninterest income$3,045,0001,420
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$14,00011,513
Trading account gains and feesNANA
Additional Noninterest Income$3,031,000947
Total noninterest expense$1,101,0009,506
Salaries and employee benefits$400,00010,864
Premises and equipment expense$59,00012,326
Additional noninterest expense$642,0007,158
Pre-tax net operating income$2,449,0002,542
Securities gains (losses)$3,0007,429
Applicable income taxes$834,0002,500
Income before extraordinary items$1,618,0002,837
Extraordinary gains, net$834,000137
Net income$2,452,0001,875
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,00010,870
Cash dividends$1,205,0001,317
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$1,616,0202,629

* 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.