Home > Keystone Bank > Income and Expense
Keystone Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $83,573,000 | 460 |
| Total interest expense | $37,902,000 | 491 |
| Net interest income | $45,671,000 | 436 |
| Provision for loan and lease losses | $2,541,000 | 485 |
| Total noninterest income | $5,346,000 | 884 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $2,756,000 | 481 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $2,590,000 | 932 |
| Total noninterest expense | $29,295,000 | 526 |
| Salaries and employee benefits | $10,398,000 | 662 |
| Premises and equipment expense | $3,947,000 | 541 |
| Additional noninterest expense | $14,950,000 | 416 |
| Pre-tax net operating income | $19,181,000 | 475 |
| Securities gains (losses) | $-32,000 | 10,538 |
| Applicable income taxes | $6,219,000 | 524 |
| Income before extraordinary items | $12,930,000 | 481 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $12,930,000 | 482 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,821,000 | 400 |
| Cash dividends | $15,053,000 | 280 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $12,951,760 | 457 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $83,005,000 | 492 |
| Total interest expense | $37,023,000 | 528 |
| Net interest income | $45,982,000 | 462 |
| Provision for loan and lease losses | $2,019,000 | 612 |
| Total noninterest income | $5,140,000 | 936 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $2,835,000 | 490 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $2,305,000 | 1,050 |
| Total noninterest expense | $29,020,000 | 579 |
| Salaries and employee benefits | $9,477,000 | 730 |
| Premises and equipment expense | $3,937,000 | 573 |
| Additional noninterest expense | $15,606,000 | 483 |
| Pre-tax net operating income | $20,083,000 | 457 |
| Securities gains (losses) | $6,000 | 2,865 |
| Applicable income taxes | $6,412,000 | 487 |
| Income before extraordinary items | $13,677,000 | 453 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $13,677,000 | 454 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,866,000 | 600 |
| Cash dividends | $12,098,000 | 375 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $13,672,920 | 448 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $85,389,000 | 510 |
| Total interest expense | $39,699,000 | 528 |
| Net interest income | $45,690,000 | 484 |
| Provision for loan and lease losses | $1,379,000 | 751 |
| Total noninterest income | $5,250,000 | 927 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $2,967,000 | 494 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $2,283,000 | 1,044 |
| Total noninterest expense | $29,770,000 | 584 |
| Salaries and employee benefits | $9,654,000 | 729 |
| Premises and equipment expense | $4,215,000 | 570 |
| Additional noninterest expense | $15,901,000 | 487 |
| Pre-tax net operating income | $19,791,000 | 488 |
| Securities gains (losses) | $261,000 | 570 |
| Applicable income taxes | $6,570,000 | 510 |
| Income before extraordinary items | $13,482,000 | 484 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $13,482,000 | 485 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,562,000 | 667 |
| Cash dividends | $7,919,000 | 461 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $13,307,130 | 486 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $36,413,000 | 881 |
| Total interest expense | $15,796,000 | 869 |
| Net interest income | $20,617,000 | 905 |
| Provision for loan and lease losses | $1,956,000 | 596 |
| Total noninterest income | $1,929,000 | 1,879 |
| Gross Fiduciary activities income | $36,000 | 1,361 |
| Service charges on deposit accounts | $1,463,000 | 890 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $430,000 | 3,256 |
| Total noninterest expense | $13,213,000 | 1,137 |
| Salaries and employee benefits | $5,186,000 | 1,303 |
| Premises and equipment expense | $1,894,000 | 1,117 |
| Additional noninterest expense | $6,133,000 | 998 |
| Pre-tax net operating income | $7,377,000 | 1,031 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $2,547,000 | 997 |
| Income before extraordinary items | $4,830,000 | 1,051 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $4,830,000 | 1,048 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,176,000 | 532 |
| Cash dividends | $1,913,000 | 1,162 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $4,830,000 | 1,062 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $16,978,000 | 1,849 |
| Total interest expense | $7,705,000 | 1,712 |
| Net interest income | $9,273,000 | 1,954 |
| Provision for loan and lease losses | $730,000 | 1,614 |
| Total noninterest income | $450,000 | 5,997 |
| Gross Fiduciary activities income | $8,000 | 1,518 |
| Service charges on deposit accounts | $392,000 | 3,513 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $50,000 | 10,096 |
| Total noninterest expense | $5,667,000 | 2,530 |
| Salaries and employee benefits | $2,583,000 | 2,561 |
| Premises and equipment expense | $750,000 | 2,706 |
| Additional noninterest expense | $2,334,000 | 2,390 |
| Pre-tax net operating income | $3,326,000 | 2,045 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $1,148,000 | 1,993 |
| Income before extraordinary items | $2,178,000 | 2,297 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,178,000 | 2,385 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $844,000 | 1,282 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,178,000 | 2,157 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $17,316,000 | 2,048 |
| Total interest expense | $8,633,000 | 1,970 |
| Net interest income | $8,683,000 | 2,102 |
| Provision for loan and lease losses | $711,000 | 2,341 |
| Total noninterest income | $402,000 | 6,520 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $344,000 | 3,971 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $58,000 | 9,916 |
| Total noninterest expense | $4,971,000 | 2,883 |
| Salaries and employee benefits | $2,566,000 | 2,515 |
| Premises and equipment expense | $714,000 | 2,871 |
| Additional noninterest expense | $1,691,000 | 3,230 |
| Pre-tax net operating income | $3,403,000 | 1,822 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $1,160,000 | 1,815 |
| Income before extraordinary items | $2,243,000 | 2,047 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,243,000 | 2,076 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $236,000 | 3,841 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $202,000 | 724 |
| Net operating income | $2,243,000 | 1,875 |
* 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.