Home > The Provident Bank of Kentucky > Income and Expense
The Provident Bank of Kentucky, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $19,964,000 | 1,649 |
| Total interest expense | $10,301,000 | 1,509 |
| Net interest income | $9,663,000 | 1,803 |
| Provision for loan and lease losses | $2,150,000 | 553 |
| Total noninterest income | $2,332,000 | 1,559 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,384,000 | 919 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $948,000 | 1,806 |
| Total noninterest expense | $5,513,000 | 2,349 |
| Salaries and employee benefits | $2,281,000 | 2,903 |
| Premises and equipment expense | $751,000 | 2,571 |
| Additional noninterest expense | $2,481,000 | 1,709 |
| Pre-tax net operating income | $4,332,000 | 1,759 |
| Securities gains (losses) | $121,000 | 906 |
| Applicable income taxes | $1,564,000 | 1,653 |
| Income before extraordinary items | $2,889,000 | 1,835 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,889,000 | 1,834 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,466,000 | 441 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,810,350 | 1,822 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $19,865,000 | 1,693 |
| Total interest expense | $9,790,000 | 1,623 |
| Net interest income | $10,075,000 | 1,759 |
| Provision for loan and lease losses | $2,335,000 | 547 |
| Total noninterest income | $1,977,000 | 1,854 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $1,085,000 | 1,233 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $892,000 | 1,960 |
| Total noninterest expense | $6,759,000 | 2,058 |
| Salaries and employee benefits | $2,290,000 | 2,922 |
| Premises and equipment expense | $752,000 | 2,596 |
| Additional noninterest expense | $3,717,000 | 1,428 |
| Pre-tax net operating income | $2,958,000 | 2,403 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $1,069,000 | 2,206 |
| Income before extraordinary items | $1,889,000 | 2,578 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,889,000 | 2,580 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,654,000 | 486 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,889,000 | 2,532 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $19,988,000 | 1,696 |
| Total interest expense | $11,114,000 | 1,465 |
| Net interest income | $8,874,000 | 2,024 |
| Provision for loan and lease losses | $1,000,000 | 940 |
| Total noninterest income | $1,643,000 | 2,143 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $804,000 | 1,679 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $839,000 | 2,033 |
| Total noninterest expense | $5,847,000 | 2,330 |
| Salaries and employee benefits | $2,324,000 | 2,871 |
| Premises and equipment expense | $636,000 | 3,062 |
| Additional noninterest expense | $2,887,000 | 1,756 |
| Pre-tax net operating income | $3,670,000 | 2,005 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $1,473,000 | 1,670 |
| Income before extraordinary items | $2,197,000 | 2,302 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,197,000 | 2,300 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,051,000 | 862 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,197,000 | 2,275 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $18,435,000 | 1,673 |
| Total interest expense | $9,321,000 | 1,399 |
| Net interest income | $9,114,000 | 1,989 |
| Provision for loan and lease losses | $1,200,000 | 820 |
| Total noninterest income | $890,000 | 3,389 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $652,000 | 2,071 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $238,000 | 4,730 |
| Total noninterest expense | $5,593,000 | 2,499 |
| Salaries and employee benefits | $2,176,000 | 3,039 |
| Premises and equipment expense | $617,000 | 3,183 |
| Additional noninterest expense | $2,800,000 | 1,930 |
| Pre-tax net operating income | $3,211,000 | 2,211 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $1,148,000 | 1,962 |
| Income before extraordinary items | $2,063,000 | 2,357 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,063,000 | 2,356 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $563,000 | 1,270 |
| Cash dividends | $1,000,000 | 1,879 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,063,000 | 2,378 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $16,351,000 | 1,916 |
| Total interest expense | $7,092,000 | 1,835 |
| Net interest income | $9,259,000 | 1,956 |
| Provision for loan and lease losses | $600,000 | 1,833 |
| Total noninterest income | $651,000 | 4,669 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $493,000 | 2,834 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $158,000 | 6,394 |
| Total noninterest expense | $5,334,000 | 2,683 |
| Salaries and employee benefits | $2,030,000 | 3,238 |
| Premises and equipment expense | $571,000 | 3,475 |
| Additional noninterest expense | $2,733,000 | 2,058 |
| Pre-tax net operating income | $3,976,000 | 1,736 |
| Securities gains (losses) | $4,000 | 6,316 |
| Applicable income taxes | $1,483,000 | 1,573 |
| Income before extraordinary items | $2,497,000 | 2,007 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,497,000 | 2,086 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $214,000 | 3,007 |
| Cash dividends | $2,000,000 | 1,012 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,494,440 | 1,890 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $16,297,000 | 2,171 |
| Total interest expense | $8,604,000 | 1,981 |
| Net interest income | $7,693,000 | 2,339 |
| Provision for loan and lease losses | $462,000 | 3,168 |
| Total noninterest income | $506,000 | 5,598 |
| Gross Fiduciary activities income | $1,000 | 1,642 |
| Service charges on deposit accounts | $388,000 | 3,586 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $117,000 | 7,542 |
| Total noninterest expense | $5,543,000 | 2,605 |
| Salaries and employee benefits | $2,549,000 | 2,534 |
| Premises and equipment expense | $584,000 | 3,449 |
| Additional noninterest expense | $2,410,000 | 2,392 |
| Pre-tax net operating income | $2,194,000 | 2,847 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $1,737,000 | 1,279 |
| Income before extraordinary items | $457,000 | 7,675 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $457,000 | 7,787 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 6,806 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $457,000 | 7,321 |
* 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.