Home > Kentucky Bank & Trust > Income and Expense

Kentucky Bank & Trust, Income and Expense

2003-03-31 (YTD Data)Rank
Total interest income$1,682,0004,066
Total interest expense$582,0003,847
Net interest income$1,100,0004,099
Provision for loan and lease losses$06,934
Total noninterest income$514,0002,247
Gross Fiduciary activities income$375,000324
Service charges on deposit accounts$99,0003,577
Trading account gains and fees$0134
Additional Noninterest Income$40,0005,700
Total noninterest expense$1,378,0002,790
Salaries and employee benefits$481,0004,024
Premises and equipment expense$149,0003,507
Additional noninterest expense$748,0001,577
Pre-tax net operating income$236,0005,437
Securities gains (losses)$02,891
Applicable income taxes$07,403
Income before extraordinary items$236,0004,864
Extraordinary gains, net$021
Net income$236,0004,864
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,539
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$0419
Net operating income$236,0004,671
2002-12-31 (YTD Data)Rank
Total interest income$6,775,0004,159
Total interest expense$2,736,0003,819
Net interest income$4,039,0004,315
Provision for loan and lease losses$22,0007,458
Total noninterest income$2,360,0001,874
Gross Fiduciary activities income$1,573,000323
Service charges on deposit accounts$400,0003,542
Trading account gains and fees$0153
Additional Noninterest Income$387,0003,771
Total noninterest expense$4,778,0003,042
Salaries and employee benefits$2,967,0002,654
Premises and equipment expense$661,0003,148
Additional noninterest expense$1,150,0003,742
Pre-tax net operating income$1,599,0003,937
Securities gains (losses)$04,537
Applicable income taxes$507,0003,416
Income before extraordinary items$1,092,0004,345
Extraordinary gains, net$070
Net income$1,092,0004,345
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-1,0008,455
Cash dividends$887,0002,464
Sale, conversion, retirement of capital stock, net$-1,096,0009,322
Net operating income$1,092,0004,238
2001-12-31 (YTD Data)Rank
Total interest income$8,226,0003,921
Total interest expense$4,055,0003,756
Net interest income$4,171,0004,001
Provision for loan and lease losses$46,0006,803
Total noninterest income$2,299,0001,805
Gross Fiduciary activities income$1,327,000365
Service charges on deposit accounts$335,0003,881
Trading account gains and fees$0177
Additional Noninterest Income$637,0002,731
Total noninterest expense$3,990,0003,436
Salaries and employee benefits$2,141,0003,396
Premises and equipment expense$626,0003,259
Additional noninterest expense$1,223,0003,439
Pre-tax net operating income$2,434,0002,721
Securities gains (losses)$04,612
Applicable income taxes$798,0002,428
Income before extraordinary items$1,636,0003,022
Extraordinary gains, net$0105
Net income$1,636,0003,026
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-1,0008,710
Cash dividends$702,0002,848
Sale, conversion, retirement of capital stock, net$0922
Net operating income$1,636,0002,920
2000-12-31 (YTD Data)Rank
Total interest income$8,285,0004,009
Total interest expense$3,913,0004,041
Net interest income$4,372,0003,900
Provision for loan and lease losses$46,0006,690
Total noninterest income$1,839,0002,003
Gross Fiduciary activities income$1,401,000356
Service charges on deposit accounts$325,0003,813
Trading account gains and fees$0180
Additional Noninterest Income$113,0006,143
Total noninterest expense$3,204,0004,006
Salaries and employee benefits$1,541,0004,268
Premises and equipment expense$564,0003,442
Additional noninterest expense$1,099,0003,698
Pre-tax net operating income$2,961,0002,418
Securities gains (losses)$01,956
Applicable income taxes$986,0002,148
Income before extraordinary items$1,975,0002,604
Extraordinary gains, net$038
Net income$1,975,0002,603
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$23,0005,816
Cash dividends$319,0004,371
Sale, conversion, retirement of capital stock, net$0969
Net operating income$1,975,0002,598
1999-12-31 (YTD Data)Rank
Total interest income$6,944,0004,427
Total interest expense$3,100,0004,481
Net interest income$3,844,0004,324
Provision for loan and lease losses$37,0006,969
Total noninterest income$1,495,0002,316
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$331,0003,711
Trading account gains and feesNANA
Additional Noninterest Income$1,164,0001,685
Total noninterest expense$2,757,0004,522
Salaries and employee benefits$1,414,0004,551
Premises and equipment expense$493,0003,812
Additional noninterest expense$850,0004,594
Pre-tax net operating income$2,545,0002,752
Securities gains (losses)$03,155
Applicable income taxes$845,0002,520
Income before extraordinary items$1,700,0002,935
Extraordinary gains, net$035
Net income$1,700,0002,936
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-7,0009,311
Cash dividends$70,0006,407
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$1,700,0002,908
1998-12-31 (YTD Data)Rank
Total interest income$6,838,0004,481
Total interest expense$3,231,0004,447
Net interest income$3,607,0004,471
Provision for loan and lease losses$54,0006,469
Total noninterest income$896,0003,330
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$345,0003,541
Trading account gains and feesNANA
Additional Noninterest Income$551,0002,805
Total noninterest expense$2,578,0004,668
Salaries and employee benefits$1,226,0005,001
Premises and equipment expense$501,0003,691
Additional noninterest expense$851,0004,468
Pre-tax net operating income$1,871,0003,523
Securities gains (losses)$04,449
Applicable income taxes$614,0003,347
Income before extraordinary items$1,257,0003,779
Extraordinary gains, net$032
Net income$1,257,0003,778
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$25,0006,026
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$378,000601
Net operating income$1,257,0003,698
1997-12-31 (YTD Data)Rank
Total interest income$5,814,0005,186
Total interest expense$2,623,0005,222
Net interest income$3,191,0005,067
Provision for loan and lease losses$31,0007,344
Total noninterest income$741,0003,798
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$392,0003,271
Trading account gains and feesNANA
Additional Noninterest Income$349,0003,590
Total noninterest expense$2,236,0005,228
Salaries and employee benefits$1,080,0005,558
Premises and equipment expense$409,0004,377
Additional noninterest expense$747,0004,977
Pre-tax net operating income$1,665,0004,103
Securities gains (losses)$03,944
Applicable income taxes$544,0003,964
Income before extraordinary items$1,121,0004,293
Extraordinary gains, net$044
Net income$1,121,0004,294
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-4,0009,725
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$1,121,0004,232
1996-12-31 (YTD Data)Rank
Total interest income$4,860,0006,066
Total interest expense$2,112,0006,200
Net interest income$2,748,0005,805
Provision for loan and lease losses$2,0008,964
Total noninterest income$659,0004,280
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$364,0003,632
Trading account gains and feesNANA
Additional Noninterest Income$295,0004,116
Total noninterest expense$2,120,0005,696
Salaries and employee benefits$1,005,0005,964
Premises and equipment expense$369,0004,844
Additional noninterest expense$746,0005,478
Pre-tax net operating income$1,285,0004,868
Securities gains (losses)$14,0002,256
Applicable income taxes$406,0004,850
Income before extraordinary items$893,0004,897
Extraordinary gains, net$053
Net income$893,0004,898
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-5,00010,158
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$1,070,000364
Net operating income$883,3404,888
1995-12-31 (YTD Data)Rank
Total interest income$4,274,0006,724
Total interest expense$1,991,0006,482
Net interest income$2,283,0006,719
Provision for loan and lease losses$08,958
Total noninterest income$568,0004,760
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$295,0004,351
Trading account gains and feesNANA
Additional Noninterest Income$273,0004,237
Total noninterest expense$1,990,0006,005
Salaries and employee benefits$945,0006,322
Premises and equipment expense$352,0004,999
Additional noninterest expense$693,0005,905
Pre-tax net operating income$861,0006,594
Securities gains (losses)$03,831
Applicable income taxes$297,0006,032
Income before extraordinary items$564,0006,822
Extraordinary gains, net$065
Net income$564,0006,821
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-5,00010,354
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$564,0006,805
1994-12-31 (YTD Data)Rank
Total interest income$3,326,0007,587
Total interest expense$1,359,0007,355
Net interest income$1,967,0007,645
Provision for loan and lease losses$1,0009,105
Total noninterest income$523,0005,133
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$279,0004,630
Trading account gains and feesNANA
Additional Noninterest Income$244,0004,661
Total noninterest expense$1,971,0006,277
Salaries and employee benefits$869,0006,826
Premises and equipment expense$337,0005,213
Additional noninterest expense$765,0005,909
Pre-tax net operating income$518,0008,535
Securities gains (losses)$21,0001,738
Applicable income taxes$162,0008,073
Income before extraordinary items$377,0008,390
Extraordinary gains, net$0249
Net income$377,0008,394
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-52,00011,894
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$362,3008,578
1993-12-31 (YTD Data)Rank
Total interest income$3,100,0008,174
Total interest expense$1,355,0007,692
Net interest income$1,745,0008,385
Provision for loan and lease losses$4,00010,179
Total noninterest income$464,0005,876
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$265,0004,878
Trading account gains and feesNANA
Additional Noninterest Income$199,0005,692
Total noninterest expense$1,905,0006,608
Salaries and employee benefits$883,0006,821
Premises and equipment expense$338,0005,366
Additional noninterest expense$684,0006,673
Pre-tax net operating income$300,00010,244
Securities gains (losses)$14,0005,105
Applicable income taxes$012,141
Income before extraordinary items$314,0009,317
Extraordinary gains, net$781,000285
Net income$1,095,0004,466
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$4,0009,293
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$28,0001,043
Net operating income$300,0009,216
1992-12-31 (YTD Data)Rank
Total interest income$3,134,0008,747
Total interest expense$1,560,0008,332
Net interest income$1,574,0009,034
Provision for loan and lease losses$011,756
Total noninterest income$377,0006,765
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$238,0005,314
Trading account gains and feesNANA
Additional Noninterest Income$139,0006,908
Total noninterest expense$1,741,0007,149
Salaries and employee benefits$836,0007,019
Premises and equipment expense$295,0006,046
Additional noninterest expense$610,0007,418
Pre-tax net operating income$210,00010,980
Securities gains (losses)$2,0007,695
Applicable income taxes$52,00011,201
Income before extraordinary items$160,00011,128
Extraordinary gains, net$52,000979
Net income$212,00010,576
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$60,0007,125
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$400,000597
Net operating income$158,50010,813

* 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.