Home > Community Bank of Kentucky, Inc. > Income and Expense
Community Bank of Kentucky, Inc., Income and Expense
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,426,000 | 6,353 |
| Total interest expense | $1,212,000 | 4,786 |
| Net interest income | $1,214,000 | 7,236 |
| Provision for loan and lease losses | $27,000 | 6,482 |
| Total noninterest income | $301,000 | 6,013 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $219,000 | 4,382 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $82,000 | 6,430 |
| Total noninterest expense | $1,126,000 | 6,892 |
| Salaries and employee benefits | $440,000 | 7,716 |
| Premises and equipment expense | $205,000 | 5,942 |
| Additional noninterest expense | $481,000 | 5,761 |
| Pre-tax net operating income | $362,000 | 6,890 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $94,000 | 5,636 |
| Income before extraordinary items | $268,000 | 7,133 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $268,000 | 7,134 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 5,702 |
| Cash dividends | $300,000 | 3,447 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $268,000 | 6,972 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,573,000 | 6,486 |
| Total interest expense | $786,000 | 4,979 |
| Net interest income | $787,000 | 7,318 |
| Provision for loan and lease losses | $27,000 | 6,031 |
| Total noninterest income | $189,000 | 6,125 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $133,000 | 4,584 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $56,000 | 6,368 |
| Total noninterest expense | $659,000 | 7,268 |
| Salaries and employee benefits | $241,000 | 8,154 |
| Premises and equipment expense | $113,000 | 6,446 |
| Additional noninterest expense | $305,000 | 5,932 |
| Pre-tax net operating income | $290,000 | 6,556 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $79,000 | 5,430 |
| Income before extraordinary items | $211,000 | 6,875 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $211,000 | 6,879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,977 |
| Cash dividends | $200,000 | 3,438 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $211,000 | 6,673 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $761,000 | 6,642 |
| Total interest expense | $371,000 | 5,259 |
| Net interest income | $390,000 | 7,359 |
| Provision for loan and lease losses | $27,000 | 4,866 |
| Total noninterest income | $93,000 | 6,074 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $62,000 | 4,671 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $31,000 | 6,166 |
| Total noninterest expense | $324,000 | 7,328 |
| Salaries and employee benefits | $121,000 | 8,179 |
| Premises and equipment expense | $56,000 | 6,474 |
| Additional noninterest expense | $147,000 | 6,005 |
| Pre-tax net operating income | $132,000 | 6,731 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $35,000 | 5,559 |
| Income before extraordinary items | $97,000 | 6,961 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $97,000 | 6,963 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $100,000 | 2,874 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $97,000 | 6,803 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,283,000 | 6,553 |
| Total interest expense | $1,726,000 | 5,276 |
| Net interest income | $1,557,000 | 7,340 |
| Provision for loan and lease losses | $20,000 | 7,508 |
| Total noninterest income | $215,000 | 7,162 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $119,000 | 6,270 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $96,000 | 6,527 |
| Total noninterest expense | $1,235,000 | 7,399 |
| Salaries and employee benefits | $530,000 | 8,008 |
| Premises and equipment expense | $170,000 | 7,168 |
| Additional noninterest expense | $535,000 | 6,308 |
| Pre-tax net operating income | $517,000 | 6,708 |
| Securities gains (losses) | $39,000 | 2,625 |
| Applicable income taxes | $152,000 | 5,507 |
| Income before extraordinary items | $404,000 | 6,827 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $404,000 | 6,826 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,185 |
| Cash dividends | $400,000 | 3,806 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $375,530 | 6,832 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,802,000 | 6,503 |
| Total interest expense | $2,164,000 | 5,857 |
| Net interest income | $1,638,000 | 7,090 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $113,000 | 8,336 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $66,000 | 7,268 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $47,000 | 7,763 |
| Total noninterest expense | $1,233,000 | 7,374 |
| Salaries and employee benefits | $422,000 | 8,530 |
| Premises and equipment expense | $142,000 | 7,658 |
| Additional noninterest expense | $669,000 | 5,437 |
| Pre-tax net operating income | $518,000 | 6,480 |
| Securities gains (losses) | $-8,000 | 9,262 |
| Applicable income taxes | $175,000 | 5,234 |
| Income before extraordinary items | $335,000 | 6,920 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $335,000 | 6,921 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 6,614 |
| Cash dividends | $150,000 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $340,280 | 6,779 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,093,000 | 6,414 |
| Total interest expense | $2,255,000 | 5,900 |
| Net interest income | $1,838,000 | 6,847 |
| Provision for loan and lease losses | $110,000 | 5,095 |
| Total noninterest income | $100,000 | 8,596 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $50,000 | 7,624 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $50,000 | 7,811 |
| Total noninterest expense | $1,433,000 | 6,924 |
| Salaries and employee benefits | $483,000 | 8,331 |
| Premises and equipment expense | $123,000 | 8,050 |
| Additional noninterest expense | $827,000 | 4,624 |
| Pre-tax net operating income | $395,000 | 7,496 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $166,000 | 5,757 |
| Income before extraordinary items | $229,000 | 7,905 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $229,000 | 7,905 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,027 |
| Cash dividends | $300,000 | 4,469 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $229,000 | 7,909 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,499,000 | 6,827 |
| Total interest expense | $1,631,000 | 6,670 |
| Net interest income | $1,868,000 | 6,872 |
| Provision for loan and lease losses | $103,000 | 5,155 |
| Total noninterest income | $40,000 | 9,729 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $23,000 | 8,433 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 9,383 |
| Total noninterest expense | $1,109,000 | 7,822 |
| Salaries and employee benefits | $535,000 | 8,130 |
| Premises and equipment expense | $108,000 | 8,478 |
| Additional noninterest expense | $466,000 | 6,770 |
| Pre-tax net operating income | $696,000 | 6,326 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $286,000 | 4,919 |
| Income before extraordinary items | $410,000 | 6,931 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $410,000 | 6,931 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 5,882 |
| Cash dividends | $2,600,000 | 1,091 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $410,000 | 6,910 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,773,000 | 7,789 |
| Total interest expense | $1,237,000 | 7,821 |
| Net interest income | $1,536,000 | 7,607 |
| Provision for loan and lease losses | $40,000 | 6,927 |
| Total noninterest income | $35,000 | 10,036 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $15,000 | 8,798 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 9,482 |
| Total noninterest expense | $889,000 | 8,465 |
| Salaries and employee benefits | $507,000 | 8,314 |
| Premises and equipment expense | $77,000 | 9,215 |
| Additional noninterest expense | $305,000 | 8,075 |
| Pre-tax net operating income | $642,000 | 6,715 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $260,000 | 5,548 |
| Income before extraordinary items | $382,000 | 7,329 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $382,000 | 7,326 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,204 |
| Cash dividends | $375,000 | 4,132 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $382,000 | 7,248 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,526,000 | 8,341 |
| Total interest expense | $1,057,000 | 8,533 |
| Net interest income | $1,469,000 | 8,052 |
| Provision for loan and lease losses | $16,000 | 8,073 |
| Total noninterest income | $13,000 | 10,762 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $10,000 | 9,287 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,000 | 10,761 |
| Total noninterest expense | $860,000 | 8,821 |
| Salaries and employee benefits | $437,000 | 9,032 |
| Premises and equipment expense | $61,000 | 9,927 |
| Additional noninterest expense | $362,000 | 7,690 |
| Pre-tax net operating income | $606,000 | 7,392 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $195,000 | 6,948 |
| Income before extraordinary items | $411,000 | 7,567 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $411,000 | 7,570 |
| 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 | $8,539,000 | 108 |
| Net operating income | $411,000 | 7,513 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,403,000 | 8,816 |
| Total interest expense | $1,092,000 | 8,722 |
| Net interest income | $1,311,000 | 8,743 |
| Provision for loan and lease losses | $61,000 | 6,063 |
| Total noninterest income | $53,000 | 10,797 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $53,000 | 8,764 |
| Total noninterest expense | $820,000 | 9,359 |
| Salaries and employee benefits | $440,000 | 9,330 |
| Premises and equipment expense | $51,000 | 10,608 |
| Additional noninterest expense | $329,000 | 8,583 |
| Pre-tax net operating income | $483,000 | 8,043 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $169,000 | 7,593 |
| Income before extraordinary items | $314,000 | 8,307 |
| Extraordinary gains, net | $-62,000 | 11,431 |
| Net income | $252,000 | 8,818 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $314,000 | 8,242 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,250,000 | 9,333 |
| Total interest expense | $1,159,000 | 8,722 |
| Net interest income | $1,091,000 | 9,653 |
| Provision for loan and lease losses | $28,000 | 7,236 |
| Total noninterest income | $48,000 | 11,380 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $48,000 | 9,325 |
| Total noninterest expense | $562,000 | 10,750 |
| Salaries and employee benefits | $357,000 | 10,282 |
| Premises and equipment expense | $52,000 | 11,019 |
| Additional noninterest expense | $153,000 | 11,018 |
| Pre-tax net operating income | $549,000 | 8,183 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $188,000 | 7,634 |
| Income before extraordinary items | $361,000 | 8,381 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $361,000 | 8,383 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $361,000 | 8,358 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,881,000 | 10,023 |
| Total interest expense | $857,000 | 9,319 |
| Net interest income | $1,024,000 | 10,316 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $44,000 | 12,057 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $44,000 | 9,933 |
| Total noninterest expense | $506,000 | 11,592 |
| Salaries and employee benefits | $308,000 | 11,133 |
| Premises and equipment expense | $53,000 | 11,525 |
| Additional noninterest expense | $145,000 | 11,851 |
| Pre-tax net operating income | $562,000 | 8,235 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $191,000 | 7,499 |
| Income before extraordinary items | $371,000 | 8,452 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $371,000 | 8,454 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $371,000 | 8,497 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,911,000 | 10,359 |
| Total interest expense | $882,000 | 9,627 |
| Net interest income | $1,029,000 | 10,679 |
| Provision for loan and lease losses | $20,000 | 9,046 |
| Total noninterest income | $38,000 | 12,807 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $38,000 | 10,795 |
| Total noninterest expense | $471,000 | 12,306 |
| Salaries and employee benefits | $276,000 | 11,915 |
| Premises and equipment expense | $49,000 | 12,246 |
| Additional noninterest expense | $146,000 | 12,476 |
| Pre-tax net operating income | $576,000 | 8,115 |
| Securities gains (losses) | $1,000 | 7,052 |
| Applicable income taxes | $196,000 | 7,696 |
| Income before extraordinary items | $381,000 | 8,628 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $381,000 | 8,790 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $380,340 | 8,375 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,110,000 | 10,677 |
| Total interest expense | $1,157,000 | 9,764 |
| Net interest income | $953,000 | 11,286 |
| Provision for loan and lease losses | $16,000 | 10,806 |
| Total noninterest income | $38,000 | 13,389 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $38,000 | 11,181 |
| Total noninterest expense | $471,000 | 12,801 |
| Salaries and employee benefits | $266,000 | 12,415 |
| Premises and equipment expense | $52,000 | 12,611 |
| Additional noninterest expense | $153,000 | 12,907 |
| Pre-tax net operating income | $504,000 | 8,384 |
| Securities gains (losses) | $7,000 | 6,774 |
| Applicable income taxes | $173,000 | 8,114 |
| Income before extraordinary items | $338,000 | 8,843 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $338,000 | 8,981 |
| 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 | $333,380 | 8,535 |
* 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.