Home > Bank One, Kentucky > Income and Expense
Bank One, Kentucky, Income and Expense
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $34,629,000 | 269 |
| Total interest expense | $18,525,000 | 186 |
| Net interest income | $16,104,000 | 351 |
| Provision for loan and lease losses | $990,000 | 383 |
| Total noninterest income | $29,738,000 | 144 |
| Gross Fiduciary activities income | $5,258,000 | 80 |
| Service charges on deposit accounts | $18,148,000 | 58 |
| Trading account gains and fees | $61,000 | 103 |
| Additional Noninterest Income | $6,271,000 | 280 |
| Total noninterest expense | $40,460,000 | 161 |
| Salaries and employee benefits | $9,579,000 | 260 |
| Premises and equipment expense | $4,639,000 | 168 |
| Additional noninterest expense | $26,242,000 | 118 |
| Pre-tax net operating income | $4,392,000 | 544 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $1,459,000 | 579 |
| Income before extraordinary items | $2,933,000 | 600 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,933,000 | 598 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $989,000 | 328 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $2,933,000 | 560 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $173,904,000 | 233 |
| Total interest expense | $89,167,000 | 180 |
| Net interest income | $84,737,000 | 289 |
| Provision for loan and lease losses | $49,829,000 | 102 |
| Total noninterest income | $127,751,000 | 138 |
| Gross Fiduciary activities income | $22,735,000 | 79 |
| Service charges on deposit accounts | $84,872,000 | 51 |
| Trading account gains and fees | $116,000 | 106 |
| Additional Noninterest Income | $20,028,000 | 298 |
| Total noninterest expense | $184,088,000 | 149 |
| Salaries and employee benefits | $36,363,000 | 251 |
| Premises and equipment expense | $19,125,000 | 164 |
| Additional noninterest expense | $128,600,000 | 108 |
| Pre-tax net operating income | $-21,429,000 | 9,347 |
| Securities gains (losses) | $916,000 | 449 |
| Applicable income taxes | $-9,244,000 | 9,342 |
| Income before extraordinary items | $-11,269,000 | 9,335 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-11,269,000 | 9,333 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,345,000 | 103 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-11,855,240 | 9,328 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $308,333,000 | 171 |
| Total interest expense | $149,430,000 | 171 |
| Net interest income | $158,903,000 | 173 |
| Provision for loan and lease losses | $79,291,000 | 77 |
| Total noninterest income | $134,088,000 | 134 |
| Gross Fiduciary activities income | $24,740,000 | 74 |
| Service charges on deposit accounts | $82,059,000 | 50 |
| Trading account gains and fees | $94,000 | 122 |
| Additional Noninterest Income | $27,195,000 | 257 |
| Total noninterest expense | $216,553,000 | 138 |
| Salaries and employee benefits | $42,130,000 | 203 |
| Premises and equipment expense | $22,239,000 | 134 |
| Additional noninterest expense | $152,184,000 | 105 |
| Pre-tax net operating income | $-2,853,000 | 9,523 |
| Securities gains (losses) | $6,744,000 | 115 |
| Applicable income taxes | $2,558,000 | 960 |
| Income before extraordinary items | $1,333,000 | 3,523 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,333,000 | 3,525 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,843,000 | 86 |
| Cash dividends | $20,000,000 | 230 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-2,983,160 | 9,533 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $390,543,000 | 160 |
| Total interest expense | $183,331,000 | 180 |
| Net interest income | $207,212,000 | 146 |
| Provision for loan and lease losses | $43,556,000 | 99 |
| Total noninterest income | $94,228,000 | 161 |
| Gross Fiduciary activities income | $25,945,000 | 72 |
| Service charges on deposit accounts | $66,772,000 | 55 |
| Trading account gains and fees | $-371,000 | 4,527 |
| Additional Noninterest Income | $1,882,000 | 1,188 |
| Total noninterest expense | $212,232,000 | 140 |
| Salaries and employee benefits | $44,420,000 | 195 |
| Premises and equipment expense | $23,497,000 | 133 |
| Additional noninterest expense | $144,315,000 | 114 |
| Pre-tax net operating income | $45,652,000 | 252 |
| Securities gains (losses) | $-11,142,000 | 9,868 |
| Applicable income taxes | $13,598,000 | 274 |
| Income before extraordinary items | $20,912,000 | 321 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $20,912,000 | 321 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,550,000 | 145 |
| Cash dividends | $40,000,000 | 157 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $28,042,880 | 265 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $354,237,000 | 155 |
| Total interest expense | $149,707,000 | 173 |
| Net interest income | $204,530,000 | 143 |
| Provision for loan and lease losses | $27,163,000 | 119 |
| Total noninterest income | $134,386,000 | 139 |
| Gross Fiduciary activities income | $28,305,000 | 80 |
| Service charges on deposit accounts | $71,786,000 | 51 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $34,295,000 | 219 |
| Total noninterest expense | $211,096,000 | 137 |
| Salaries and employee benefits | $45,030,000 | 194 |
| Premises and equipment expense | $15,679,000 | 182 |
| Additional noninterest expense | $150,387,000 | 102 |
| Pre-tax net operating income | $100,657,000 | 161 |
| Securities gains (losses) | $2,442,000 | 120 |
| Applicable income taxes | $37,832,000 | 158 |
| Income before extraordinary items | $65,267,000 | 159 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $65,267,000 | 160 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,883,000 | 91 |
| Cash dividends | $35,000,000 | 176 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $63,704,120 | 164 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $383,063,000 | 143 |
| Total interest expense | $170,842,000 | 158 |
| Net interest income | $212,221,000 | 139 |
| Provision for loan and lease losses | $18,362,000 | 144 |
| Total noninterest income | $136,418,000 | 134 |
| Gross Fiduciary activities income | $24,418,000 | 88 |
| Service charges on deposit accounts | $52,236,000 | 62 |
| Trading account gains and fees | $11,000 | 192 |
| Additional Noninterest Income | $59,753,000 | 168 |
| Total noninterest expense | $227,101,000 | 130 |
| Salaries and employee benefits | $46,696,000 | 183 |
| Premises and equipment expense | $16,611,000 | 166 |
| Additional noninterest expense | $163,794,000 | 102 |
| Pre-tax net operating income | $103,176,000 | 151 |
| Securities gains (losses) | $3,789,000 | 151 |
| Applicable income taxes | $35,453,000 | 157 |
| Income before extraordinary items | $71,512,000 | 153 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $71,512,000 | 154 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,125,000 | 112 |
| Cash dividends | $97,000,000 | 86 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $68,973,370 | 143 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $432,242,000 | 142 |
| Total interest expense | $186,923,000 | 148 |
| Net interest income | $245,319,000 | 122 |
| Provision for loan and lease losses | $37,699,000 | 95 |
| Total noninterest income | $94,428,000 | 151 |
| Gross Fiduciary activities income | $24,151,000 | 85 |
| Service charges on deposit accounts | $42,826,000 | 67 |
| Trading account gains and fees | $41,000 | 180 |
| Additional Noninterest Income | $27,410,000 | 227 |
| Total noninterest expense | $250,106,000 | 113 |
| Salaries and employee benefits | $55,110,000 | 165 |
| Premises and equipment expense | $21,779,000 | 143 |
| Additional noninterest expense | $173,217,000 | 73 |
| Pre-tax net operating income | $51,942,000 | 228 |
| Securities gains (losses) | $3,722,000 | 114 |
| Applicable income taxes | $17,567,000 | 241 |
| Income before extraordinary items | $38,097,000 | 214 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $38,097,000 | 214 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,941,000 | 100 |
| Cash dividends | $252,000,000 | 38 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $35,566,040 | 218 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $461,555,000 | 142 |
| Total interest expense | $209,435,000 | 150 |
| Net interest income | $252,120,000 | 129 |
| Provision for loan and lease losses | $24,446,000 | 119 |
| Total noninterest income | $95,147,000 | 160 |
| Gross Fiduciary activities income | $20,809,000 | 96 |
| Service charges on deposit accounts | $39,423,000 | 78 |
| Trading account gains and fees | $139,000 | 168 |
| Additional Noninterest Income | $34,776,000 | 205 |
| Total noninterest expense | $222,621,000 | 136 |
| Salaries and employee benefits | $80,870,000 | 131 |
| Premises and equipment expense | $27,905,000 | 123 |
| Additional noninterest expense | $113,846,000 | 134 |
| Pre-tax net operating income | $100,200,000 | 150 |
| Securities gains (losses) | $670,000 | 348 |
| Applicable income taxes | $29,908,000 | 166 |
| Income before extraordinary items | $70,962,000 | 141 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $70,962,000 | 140 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,747,000 | 86 |
| Cash dividends | $45,200,000 | 151 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $70,493,000 | 134 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $320,660,000 | 194 |
| Total interest expense | $160,089,000 | 189 |
| Net interest income | $160,571,000 | 195 |
| Provision for loan and lease losses | $26,111,000 | 98 |
| Total noninterest income | $61,762,000 | 205 |
| Gross Fiduciary activities income | $13,595,000 | 129 |
| Service charges on deposit accounts | $19,352,000 | 142 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $28,815,000 | 228 |
| Total noninterest expense | $148,093,000 | 179 |
| Salaries and employee benefits | $62,911,000 | 161 |
| Premises and equipment expense | $22,930,000 | 155 |
| Additional noninterest expense | $62,252,000 | 208 |
| Pre-tax net operating income | $48,129,000 | 262 |
| Securities gains (losses) | $-68,000 | 11,329 |
| Applicable income taxes | $12,251,000 | 325 |
| Income before extraordinary items | $35,810,000 | 244 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $35,810,000 | 243 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,154,000 | 99 |
| Cash dividends | $32,187,000 | 181 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $35,861,000 | 242 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $257,639,000 | 203 |
| Total interest expense | $114,704,000 | 205 |
| Net interest income | $142,935,000 | 209 |
| Provision for loan and lease losses | $17,399,000 | 126 |
| Total noninterest income | $60,882,000 | 200 |
| Gross Fiduciary activities income | $14,226,000 | 122 |
| Service charges on deposit accounts | $14,875,000 | 163 |
| Trading account gains and fees | $1,025,000 | 117 |
| Additional Noninterest Income | $30,756,000 | 215 |
| Total noninterest expense | $151,046,000 | 178 |
| Salaries and employee benefits | $57,078,000 | 176 |
| Premises and equipment expense | $24,097,000 | 141 |
| Additional noninterest expense | $69,871,000 | 172 |
| Pre-tax net operating income | $35,372,000 | 301 |
| Securities gains (losses) | $-1,700,000 | 12,462 |
| Applicable income taxes | $10,257,000 | 336 |
| Income before extraordinary items | $23,415,000 | 297 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $23,415,000 | 296 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,498,000 | 150 |
| Cash dividends | $20,545,000 | 212 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $24,605,000 | 292 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $232,663,000 | 208 |
| Total interest expense | $94,160,000 | 209 |
| Net interest income | $138,503,000 | 201 |
| Provision for loan and lease losses | $15,713,000 | 200 |
| Total noninterest income | $53,261,000 | 201 |
| Gross Fiduciary activities income | $13,750,000 | 121 |
| Service charges on deposit accounts | $13,230,000 | 176 |
| Trading account gains and fees | $38,000 | 345 |
| Additional Noninterest Income | $26,243,000 | 221 |
| Total noninterest expense | $122,734,000 | 213 |
| Salaries and employee benefits | $51,620,000 | 180 |
| Premises and equipment expense | $18,389,000 | 179 |
| Additional noninterest expense | $52,725,000 | 231 |
| Pre-tax net operating income | $53,317,000 | 195 |
| Securities gains (losses) | $677,000 | 729 |
| Applicable income taxes | $13,597,000 | 247 |
| Income before extraordinary items | $40,397,000 | 190 |
| Extraordinary gains, net | $229,000 | 914 |
| Net income | $40,626,000 | 193 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,642,000 | 208 |
| Cash dividends | $33,684,000 | 122 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $39,889,250 | 181 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $216,778,000 | 233 |
| Total interest expense | $101,671,000 | 249 |
| Net interest income | $115,107,000 | 226 |
| Provision for loan and lease losses | $19,678,000 | 211 |
| Total noninterest income | $49,338,000 | 207 |
| Gross Fiduciary activities income | $12,428,000 | 127 |
| Service charges on deposit accounts | $11,135,000 | 187 |
| Trading account gains and fees | $386,000 | 185 |
| Additional Noninterest Income | $25,389,000 | 226 |
| Total noninterest expense | $98,104,000 | 250 |
| Salaries and employee benefits | $47,008,000 | 186 |
| Premises and equipment expense | $14,364,000 | 216 |
| Additional noninterest expense | $36,732,000 | 297 |
| Pre-tax net operating income | $46,663,000 | 175 |
| Securities gains (losses) | $2,213,000 | 382 |
| Applicable income taxes | $11,941,000 | 236 |
| Income before extraordinary items | $36,935,000 | 171 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $36,935,000 | 174 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,057,000 | 261 |
| Cash dividends | $15,932,000 | 150 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $35,253,120 | 162 |
* 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.