Home > Pennyrile Citizens Bank and Trust Company > Income and Expense
Pennyrile Citizens Bank and Trust Company, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,581,000 | 5,250 |
| Total interest expense | $2,827,000 | 4,931 |
| Net interest income | $2,754,000 | 5,478 |
| Provision for loan and lease losses | $2,320,000 | 523 |
| Total noninterest income | $587,000 | 4,450 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $458,000 | 2,762 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $129,000 | 6,022 |
| Total noninterest expense | $2,535,000 | 4,729 |
| Salaries and employee benefits | $751,000 | 6,910 |
| Premises and equipment expense | $142,000 | 7,842 |
| Additional noninterest expense | $1,642,000 | 2,548 |
| Pre-tax net operating income | $-1,514,000 | 10,396 |
| Securities gains (losses) | $2,000 | 3,909 |
| Applicable income taxes | $-571,000 | 10,403 |
| Income before extraordinary items | $-941,000 | 10,352 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-941,000 | 10,351 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,250,000 | 636 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-942,280 | 10,329 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,808,000 | 5,188 |
| Total interest expense | $2,904,000 | 4,858 |
| Net interest income | $2,904,000 | 5,439 |
| Provision for loan and lease losses | $750,000 | 1,253 |
| Total noninterest income | $643,000 | 4,236 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $551,000 | 2,390 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $92,000 | 7,011 |
| Total noninterest expense | $2,286,000 | 5,124 |
| Salaries and employee benefits | $757,000 | 6,986 |
| Premises and equipment expense | $252,000 | 6,030 |
| Additional noninterest expense | $1,277,000 | 3,161 |
| Pre-tax net operating income | $511,000 | 7,862 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $116,000 | 8,152 |
| Income before extraordinary items | $395,000 | 7,679 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $395,000 | 7,682 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $628,000 | 1,116 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $395,000 | 7,624 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,176,000 | 5,792 |
| Total interest expense | $2,356,000 | 5,740 |
| Net interest income | $2,820,000 | 5,700 |
| Provision for loan and lease losses | $329,000 | 2,413 |
| Total noninterest income | $625,000 | 4,448 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $584,000 | 2,325 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $41,000 | 9,308 |
| Total noninterest expense | $2,524,000 | 4,965 |
| Salaries and employee benefits | $829,000 | 6,842 |
| Premises and equipment expense | $251,000 | 6,239 |
| Additional noninterest expense | $1,444,000 | 3,224 |
| Pre-tax net operating income | $592,000 | 7,461 |
| Securities gains (losses) | $68,000 | 1,155 |
| Applicable income taxes | $180,000 | 7,435 |
| Income before extraordinary items | $480,000 | 7,041 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $480,000 | 7,044 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $197,000 | 2,700 |
| Cash dividends | $270,000 | 4,778 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $430,360 | 7,326 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,952,000 | 6,038 |
| Total interest expense | $2,085,000 | 6,289 |
| Net interest income | $2,867,000 | 5,709 |
| Provision for loan and lease losses | $101,000 | 4,564 |
| Total noninterest income | $743,000 | 3,902 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $652,000 | 2,082 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $91,000 | 7,528 |
| Total noninterest expense | $2,523,000 | 4,956 |
| Salaries and employee benefits | $939,000 | 6,355 |
| Premises and equipment expense | $352,000 | 4,999 |
| Additional noninterest expense | $1,232,000 | 3,661 |
| Pre-tax net operating income | $986,000 | 6,050 |
| Securities gains (losses) | $132,000 | 836 |
| Applicable income taxes | $335,000 | 5,600 |
| Income before extraordinary items | $783,000 | 5,526 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $783,000 | 5,524 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $236,000 | 2,256 |
| Cash dividends | $375,000 | 4,026 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $690,600 | 6,027 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,038,000 | 6,653 |
| Total interest expense | $1,479,000 | 6,954 |
| Net interest income | $2,559,000 | 6,347 |
| Provision for loan and lease losses | $60,000 | 5,594 |
| Total noninterest income | $632,000 | 4,473 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $468,000 | 2,952 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $164,000 | 5,924 |
| Total noninterest expense | $1,991,000 | 6,223 |
| Salaries and employee benefits | $1,056,000 | 5,824 |
| Premises and equipment expense | $335,000 | 5,238 |
| Additional noninterest expense | $600,000 | 7,042 |
| Pre-tax net operating income | $1,140,000 | 5,428 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $228,000 | 6,882 |
| Income before extraordinary items | $912,000 | 4,856 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $912,000 | 4,861 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,738 |
| Cash dividends | $100,000 | 6,840 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $912,000 | 4,915 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,441,000 | 7,617 |
| Total interest expense | $1,293,000 | 7,909 |
| Net interest income | $2,148,000 | 7,304 |
| Provision for loan and lease losses | $73,000 | 6,535 |
| Total noninterest income | $614,000 | 4,880 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $393,000 | 3,498 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $221,000 | 5,372 |
| Total noninterest expense | $2,094,000 | 6,101 |
| Salaries and employee benefits | $1,116,000 | 5,568 |
| Premises and equipment expense | $365,000 | 5,065 |
| Additional noninterest expense | $613,000 | 7,218 |
| Pre-tax net operating income | $595,000 | 7,978 |
| Securities gains (losses) | $23,000 | 4,484 |
| Applicable income taxes | $86,000 | 10,077 |
| Income before extraordinary items | $532,000 | 7,292 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $532,000 | 7,463 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-27,000 | 12,315 |
| Cash dividends | $125,000 | 6,440 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $512,220 | 7,208 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,668,000 | 7,954 |
| Total interest expense | $1,452,000 | 8,663 |
| Net interest income | $2,216,000 | 7,210 |
| Provision for loan and lease losses | $31,000 | 9,924 |
| Total noninterest income | $578,000 | 5,101 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $412,000 | 3,369 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $166,000 | 6,287 |
| Total noninterest expense | $2,021,000 | 6,322 |
| Salaries and employee benefits | $1,126,000 | 5,481 |
| Premises and equipment expense | $327,000 | 5,633 |
| Additional noninterest expense | $568,000 | 7,788 |
| Pre-tax net operating income | $742,000 | 6,872 |
| Securities gains (losses) | $54,000 | 3,989 |
| Applicable income taxes | $235,000 | 6,910 |
| Income before extraordinary items | $561,000 | 6,845 |
| Extraordinary gains, net | $180,000 | 481 |
| Net income | $741,000 | 5,753 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-69,000 | 13,617 |
| Cash dividends | $1,046,000 | 1,489 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $523,200 | 6,764 |
* 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.