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First Kentucky Bank, Income and Expense

1999-12-31 (YTD Data)Rank
Total interest income$17,604,0001,844
Total interest expense$8,393,0001,766
Net interest income$9,211,0001,905
Provision for loan and lease losses$866,0001,101
Total noninterest income$1,273,0002,585
Gross Fiduciary activities income$12,0001,254
Service charges on deposit accounts$897,0001,441
Trading account gains and fees$0173
Additional Noninterest Income$364,0003,619
Total noninterest expense$5,827,0002,338
Salaries and employee benefits$2,168,0003,188
Premises and equipment expense$479,0003,912
Additional noninterest expense$3,180,0001,449
Pre-tax net operating income$3,791,0001,940
Securities gains (losses)$03,155
Applicable income taxes$1,031,0002,172
Income before extraordinary items$2,760,0001,929
Extraordinary gains, net$035
Net income$2,760,0001,930
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$292,0001,855
Cash dividends$2,250,0001,243
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$2,760,0001,899
1998-12-31 (YTD Data)Rank
Total interest income$11,336,0002,844
Total interest expense$6,014,0002,513
Net interest income$5,322,0003,217
Provision for loan and lease losses$349,0002,327
Total noninterest income$877,0003,372
Gross Fiduciary activities income$13,0001,263
Service charges on deposit accounts$696,0001,837
Trading account gains and fees$0224
Additional Noninterest Income$168,0005,401
Total noninterest expense$3,952,0003,229
Salaries and employee benefits$1,678,0003,885
Premises and equipment expense$284,0005,551
Additional noninterest expense$1,990,0002,120
Pre-tax net operating income$1,898,0003,476
Securities gains (losses)$126,0001,142
Applicable income taxes$404,0004,388
Income before extraordinary items$1,620,0003,050
Extraordinary gains, net$032
Net income$1,620,0003,051
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$51,0004,916
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$1,519,2003,126
1997-12-31 (YTD Data)Rank
Total interest income$7,577,0004,185
Total interest expense$3,278,0004,360
Net interest income$4,299,0003,974
Provision for loan and lease losses$08,829
Total noninterest income$653,0004,179
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$502,0002,615
Trading account gains and feesNANA
Additional Noninterest Income$151,0005,664
Total noninterest expense$2,508,0004,770
Salaries and employee benefits$1,341,0004,665
Premises and equipment expense$189,0007,042
Additional noninterest expense$978,0003,989
Pre-tax net operating income$2,444,0002,966
Securities gains (losses)$53,0001,310
Applicable income taxes$675,0003,339
Income before extraordinary items$1,822,0002,798
Extraordinary gains, net$044
Net income$1,822,0002,797
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$166,0002,860
Cash dividends$1,200,0001,883
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$1,783,3102,803
1996-12-31 (YTD Data)Rank
Total interest income$7,218,0004,441
Total interest expense$3,018,0004,765
Net interest income$4,200,0004,143
Provision for loan and lease losses$09,041
Total noninterest income$593,0004,606
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$431,0003,119
Trading account gains and feesNANA
Additional Noninterest Income$162,0005,740
Total noninterest expense$2,375,0005,219
Salaries and employee benefits$1,251,0005,014
Premises and equipment expense$224,0006,629
Additional noninterest expense$900,0004,752
Pre-tax net operating income$2,418,0002,860
Securities gains (losses)$14,0002,256
Applicable income taxes$721,0003,112
Income before extraordinary items$1,711,0002,837
Extraordinary gains, net$053
Net income$1,711,0002,838
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-22,00010,741
Cash dividends$4,900,000685
Sale, conversion, retirement of capital stock, net$0953
Net operating income$1,701,2002,808
1995-12-31 (YTD Data)Rank
Total interest income$6,786,0004,691
Total interest expense$2,882,0004,935
Net interest income$3,904,0004,405
Provision for loan and lease losses$08,958
Total noninterest income$428,0005,722
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$319,0004,071
Trading account gains and feesNANA
Additional Noninterest Income$109,0006,966
Total noninterest expense$2,327,0005,302
Salaries and employee benefits$1,208,0005,189
Premises and equipment expense$172,0007,765
Additional noninterest expense$947,0004,556
Pre-tax net operating income$2,005,0003,491
Securities gains (losses)$4,0002,936
Applicable income taxes$553,0003,880
Income before extraordinary items$1,456,0003,332
Extraordinary gains, net$065
Net income$1,456,0003,331
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-121,00011,772
Cash dividends$2,015,0001,214
Sale, conversion, retirement of capital stock, net$0809
Net operating income$1,453,1203,311
1994-12-31 (YTD Data)Rank
Total interest income$6,260,0004,677
Total interest expense$2,776,0004,247
Net interest income$3,484,0004,960
Provision for loan and lease losses$-183,00012,301
Total noninterest income$332,0006,879
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$219,0005,521
Trading account gains and feesNANA
Additional Noninterest Income$113,0007,127
Total noninterest expense$2,116,0005,925
Salaries and employee benefits$1,037,0005,912
Premises and equipment expense$150,0008,551
Additional noninterest expense$929,0005,034
Pre-tax net operating income$1,883,0003,610
Securities gains (losses)$-165,00011,846
Applicable income taxes$448,0004,403
Income before extraordinary items$1,270,0003,663
Extraordinary gains, net$0249
Net income$1,270,0003,672
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-371,00012,503
Cash dividends$1,430,0001,459
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,392,1003,412
1993-12-31 (YTD Data)Rank
Total interest income$4,458,0006,354
Total interest expense$2,040,0005,735
Net interest income$2,418,0006,702
Provision for loan and lease losses$86,0006,164
Total noninterest income$209,0009,060
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$153,0007,016
Trading account gains and feesNANA
Additional Noninterest Income$56,0009,758
Total noninterest expense$1,564,0007,611
Salaries and employee benefits$733,0007,761
Premises and equipment expense$119,0009,813
Additional noninterest expense$712,0006,471
Pre-tax net operating income$977,0005,985
Securities gains (losses)$138,0002,074
Applicable income taxes$242,0006,930
Income before extraordinary items$873,0005,213
Extraordinary gains, net$03,149
Net income$873,0005,353
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$262,0002,671
Cash dividends$50,0007,918
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$765,3605,504
1992-12-31 (YTD Data)Rank
Total interest income$5,056,0006,334
Total interest expense$2,495,0006,008
Net interest income$2,561,0006,482
Provision for loan and lease losses$240,0004,686
Total noninterest income$189,0009,628
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$135,0007,532
Trading account gains and feesNANA
Additional Noninterest Income$54,00010,164
Total noninterest expense$1,546,0007,753
Salaries and employee benefits$691,0008,055
Premises and equipment expense$119,00010,050
Additional noninterest expense$736,0006,508
Pre-tax net operating income$964,0005,778
Securities gains (losses)$1,0007,986
Applicable income taxes$173,0008,114
Income before extraordinary items$792,0005,404
Extraordinary gains, net$01,422
Net income$792,0005,464
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$142,0005,022
Cash dividends$185,0005,270
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$791,1805,095

* 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.