Home > Pennstar Bank > Income and Expense
Pennstar Bank, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $72,209,000 | 531 |
| Total interest expense | $41,406,000 | 487 |
| Net interest income | $30,803,000 | 600 |
| Provision for loan and lease losses | $3,825,000 | 386 |
| Total noninterest income | $5,375,000 | 886 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $3,516,000 | 384 |
| Trading account gains and fees | $-1,386,000 | 4,537 |
| Additional Noninterest Income | $3,245,000 | 820 |
| Total noninterest expense | $31,399,000 | 513 |
| Salaries and employee benefits | $11,708,000 | 616 |
| Premises and equipment expense | $5,027,000 | 455 |
| Additional noninterest expense | $14,664,000 | 449 |
| Pre-tax net operating income | $954,000 | 5,385 |
| Securities gains (losses) | $1,000 | 1,732 |
| Applicable income taxes | $-466,000 | 9,786 |
| Income before extraordinary items | $1,421,000 | 3,393 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,421,000 | 3,391 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,806,000 | 505 |
| Cash dividends | $3,145,000 | 924 |
| Sale, conversion, retirement of capital stock, net | $646,000 | 509 |
| Net operating income | $1,420,000 | 3,385 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $33,586,000 | 984 |
| Total interest expense | $19,203,000 | 825 |
| Net interest income | $14,383,000 | 1,227 |
| Provision for loan and lease losses | $1,110,000 | 892 |
| Total noninterest income | $3,995,000 | 1,095 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $2,011,000 | 658 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,984,000 | 1,161 |
| Total noninterest expense | $12,517,000 | 1,107 |
| Salaries and employee benefits | $5,635,000 | 1,225 |
| Premises and equipment expense | $3,050,000 | 687 |
| Additional noninterest expense | $3,832,000 | 1,207 |
| Pre-tax net operating income | $4,751,000 | 1,580 |
| Securities gains (losses) | $26,000 | 1,258 |
| Applicable income taxes | $845,000 | 2,520 |
| Income before extraordinary items | $3,932,000 | 1,369 |
| Extraordinary gains, net | $-127,000 | 10,202 |
| Net income | $3,805,000 | 1,403 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $696,000 | 935 |
| Cash dividends | $2,083,000 | 1,319 |
| Sale, conversion, retirement of capital stock, net | $632,000 | 576 |
| Net operating income | $3,910,680 | 1,357 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $29,232,000 | 1,108 |
| Total interest expense | $16,741,000 | 946 |
| Net interest income | $12,491,000 | 1,358 |
| Provision for loan and lease losses | $1,077,000 | 910 |
| Total noninterest income | $4,265,000 | 1,047 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,568,000 | 786 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $2,697,000 | 967 |
| Total noninterest expense | $11,279,000 | 1,161 |
| Salaries and employee benefits | $5,009,000 | 1,310 |
| Premises and equipment expense | $2,593,000 | 772 |
| Additional noninterest expense | $3,677,000 | 1,219 |
| Pre-tax net operating income | $4,400,000 | 1,674 |
| Securities gains (losses) | $432,000 | 613 |
| Applicable income taxes | $1,061,000 | 2,199 |
| Income before extraordinary items | $3,771,000 | 1,405 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $3,771,000 | 1,404 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $851,000 | 855 |
| Cash dividends | $2,217,000 | 1,233 |
| Sale, conversion, retirement of capital stock, net | $520,000 | 553 |
| Net operating income | $3,434,040 | 1,477 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $24,886,000 | 1,336 |
| Total interest expense | $13,526,000 | 1,192 |
| Net interest income | $11,360,000 | 1,513 |
| Provision for loan and lease losses | $762,000 | 1,237 |
| Total noninterest income | $2,839,000 | 1,336 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,247,000 | 1,006 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,592,000 | 1,280 |
| Total noninterest expense | $9,115,000 | 1,440 |
| Salaries and employee benefits | $4,206,000 | 1,549 |
| Premises and equipment expense | $2,189,000 | 913 |
| Additional noninterest expense | $2,720,000 | 1,577 |
| Pre-tax net operating income | $4,322,000 | 1,768 |
| Securities gains (losses) | $214,000 | 676 |
| Applicable income taxes | $1,105,000 | 2,238 |
| Income before extraordinary items | $3,431,000 | 1,573 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,431,000 | 1,574 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $488,000 | 1,364 |
| Cash dividends | $1,383,000 | 1,723 |
| Sale, conversion, retirement of capital stock, net | $12,346,000 | 71 |
| Net operating income | $3,268,360 | 1,613 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $20,619,000 | 1,624 |
| Total interest expense | $10,183,000 | 1,564 |
| Net interest income | $10,436,000 | 1,693 |
| Provision for loan and lease losses | $640,000 | 1,433 |
| Total noninterest income | $2,507,000 | 1,549 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $1,217,000 | 1,083 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,290,000 | 1,520 |
| Total noninterest expense | $8,195,000 | 1,726 |
| Salaries and employee benefits | $3,684,000 | 1,784 |
| Premises and equipment expense | $1,836,000 | 1,139 |
| Additional noninterest expense | $2,675,000 | 1,906 |
| Pre-tax net operating income | $4,108,000 | 1,748 |
| Securities gains (losses) | $42,000 | 1,458 |
| Applicable income taxes | $1,120,000 | 2,127 |
| Income before extraordinary items | $3,030,000 | 1,643 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $3,030,000 | 1,644 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $478,000 | 1,472 |
| Cash dividends | $1,287,000 | 1,781 |
| Sale, conversion, retirement of capital stock, net | $440,000 | 484 |
| Net operating income | $2,999,340 | 1,632 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $18,782,000 | 1,806 |
| Total interest expense | $9,514,000 | 1,677 |
| Net interest income | $9,268,000 | 1,936 |
| Provision for loan and lease losses | $810,000 | 1,108 |
| Total noninterest income | $2,217,000 | 1,685 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $1,066,000 | 1,261 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,151,000 | 1,640 |
| Total noninterest expense | $8,064,000 | 1,741 |
| Salaries and employee benefits | $3,559,000 | 1,859 |
| Premises and equipment expense | $1,863,000 | 1,137 |
| Additional noninterest expense | $2,642,000 | 1,891 |
| Pre-tax net operating income | $2,611,000 | 2,723 |
| Securities gains (losses) | $331,000 | 478 |
| Applicable income taxes | $635,000 | 3,524 |
| Income before extraordinary items | $2,307,000 | 2,193 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,307,000 | 2,191 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $649,000 | 1,170 |
| Cash dividends | $972,000 | 2,121 |
| Sale, conversion, retirement of capital stock, net | $390,000 | 405 |
| Net operating income | $2,048,820 | 2,430 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $14,540,000 | 2,109 |
| Total interest expense | $5,969,000 | 2,091 |
| Net interest income | $8,571,000 | 2,096 |
| Provision for loan and lease losses | $375,000 | 1,906 |
| Total noninterest income | $1,500,000 | 2,294 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $627,000 | 2,163 |
| Trading account gains and fees | $7,000 | 393 |
| Additional Noninterest Income | $866,000 | 2,031 |
| Total noninterest expense | $7,138,000 | 2,004 |
| Salaries and employee benefits | $3,003,000 | 2,216 |
| Premises and equipment expense | $1,493,000 | 1,395 |
| Additional noninterest expense | $2,642,000 | 2,045 |
| Pre-tax net operating income | $2,558,000 | 2,764 |
| Securities gains (losses) | $105,000 | 755 |
| Applicable income taxes | $535,000 | 3,849 |
| Income before extraordinary items | $2,128,000 | 2,278 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,128,000 | 2,275 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $420,000 | 1,538 |
| Cash dividends | $897,000 | 2,107 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,044,000 | 2,398 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $11,576,000 | 2,679 |
| Total interest expense | $4,256,000 | 2,994 |
| Net interest income | $7,320,000 | 2,445 |
| Provision for loan and lease losses | $575,000 | 1,915 |
| Total noninterest income | $1,718,000 | 2,199 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $465,000 | 3,001 |
| Trading account gains and fees | $100,000 | 265 |
| Additional Noninterest Income | $1,153,000 | 1,859 |
| Total noninterest expense | $5,795,000 | 2,465 |
| Salaries and employee benefits | $2,414,000 | 2,746 |
| Premises and equipment expense | $1,052,000 | 1,961 |
| Additional noninterest expense | $2,329,000 | 2,395 |
| Pre-tax net operating income | $2,668,000 | 2,562 |
| Securities gains (losses) | $31,000 | 4,064 |
| Applicable income taxes | $606,000 | 3,567 |
| Income before extraordinary items | $2,093,000 | 2,391 |
| Extraordinary gains, net | $-43,000 | 12,678 |
| Net income | $2,050,000 | 2,533 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $317,000 | 2,377 |
| Cash dividends | $503,000 | 3,039 |
| Sale, conversion, retirement of capital stock, net | $5,402,000 | 185 |
| Net operating income | $2,068,820 | 2,274 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $10,727,000 | 3,256 |
| Total interest expense | $4,530,000 | 3,621 |
| Net interest income | $6,197,000 | 2,938 |
| Provision for loan and lease losses | $776,000 | 2,196 |
| Total noninterest income | $1,114,000 | 3,033 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $431,000 | 3,244 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $683,000 | 2,585 |
| Total noninterest expense | $4,848,000 | 2,953 |
| Salaries and employee benefits | $1,930,000 | 3,305 |
| Premises and equipment expense | $873,000 | 2,362 |
| Additional noninterest expense | $2,045,000 | 2,747 |
| Pre-tax net operating income | $1,687,000 | 3,646 |
| Securities gains (losses) | $3,000 | 7,429 |
| Applicable income taxes | $362,000 | 5,194 |
| Income before extraordinary items | $1,328,000 | 3,451 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,328,000 | 3,492 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $647,000 | 2,082 |
| Cash dividends | $497,000 | 2,853 |
| Sale, conversion, retirement of capital stock, net | $95,000 | 843 |
| Net operating income | $1,325,630 | 3,213 |
* 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.