Home > People's Community Bank > Income and Expense
People's Community Bank, Income and Expense
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,371,000 | 2,944 |
| Total interest expense | $660,000 | 2,893 |
| Net interest income | $1,711,000 | 2,905 |
| Provision for loan and lease losses | $545,000 | 485 |
| Total noninterest income | $100,000 | 5,773 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $94,000 | 3,720 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $6,000 | 8,203 |
| Total noninterest expense | $1,659,000 | 2,408 |
| Salaries and employee benefits | $650,000 | 3,224 |
| Premises and equipment expense | $164,000 | 3,328 |
| Additional noninterest expense | $845,000 | 1,430 |
| Pre-tax net operating income | $-393,000 | 9,008 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $-188,000 | 9,064 |
| Income before extraordinary items | $-205,000 | 8,946 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-205,000 | 8,946 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $583,000 | 379 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-205,000 | 8,917 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $9,775,000 | 2,890 |
| Total interest expense | $2,756,000 | 3,095 |
| Net interest income | $7,019,000 | 2,743 |
| Provision for loan and lease losses | $740,000 | 1,553 |
| Total noninterest income | $440,000 | 5,751 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $365,000 | 3,844 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $75,000 | 6,981 |
| Total noninterest expense | $4,258,000 | 3,518 |
| Salaries and employee benefits | $2,525,000 | 3,247 |
| Premises and equipment expense | $583,000 | 3,606 |
| Additional noninterest expense | $1,150,000 | 3,849 |
| Pre-tax net operating income | $2,461,000 | 2,927 |
| Securities gains (losses) | $247,000 | 1,191 |
| Applicable income taxes | $825,000 | 2,490 |
| Income before extraordinary items | $1,883,000 | 3,004 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,883,000 | 3,003 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $341,000 | 2,074 |
| Cash dividends | $336,000 | 4,206 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,710,100 | 3,089 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $7,378,000 | 2,913 |
| Total interest expense | $2,074,000 | 3,198 |
| Net interest income | $5,304,000 | 2,751 |
| Provision for loan and lease losses | $486,000 | 1,703 |
| Total noninterest income | $331,000 | 5,808 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $273,000 | 3,870 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $58,000 | 7,004 |
| Total noninterest expense | $3,087,000 | 3,613 |
| Salaries and employee benefits | $1,810,000 | 3,357 |
| Premises and equipment expense | $424,000 | 3,679 |
| Additional noninterest expense | $853,000 | 3,883 |
| Pre-tax net operating income | $2,062,000 | 2,780 |
| Securities gains (losses) | $238,000 | 1,123 |
| Applicable income taxes | $665,000 | 2,472 |
| Income before extraordinary items | $1,635,000 | 2,774 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,635,000 | 2,773 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $364,000 | 1,499 |
| Cash dividends | $251,000 | 3,715 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,466,020 | 2,870 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,818,000 | 2,996 |
| Total interest expense | $1,395,000 | 3,258 |
| Net interest income | $3,423,000 | 2,821 |
| Provision for loan and lease losses | $325,000 | 1,685 |
| Total noninterest income | $234,000 | 5,637 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $183,000 | 3,824 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $51,000 | 6,530 |
| Total noninterest expense | $1,983,000 | 3,718 |
| Salaries and employee benefits | $1,170,000 | 3,434 |
| Premises and equipment expense | $272,000 | 3,781 |
| Additional noninterest expense | $541,000 | 4,004 |
| Pre-tax net operating income | $1,349,000 | 2,825 |
| Securities gains (losses) | $199,000 | 1,043 |
| Applicable income taxes | $543,000 | 2,202 |
| Income before extraordinary items | $1,005,000 | 2,966 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,005,000 | 2,965 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $152,000 | 1,955 |
| Cash dividends | $167,000 | 3,730 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $875,650 | 3,108 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,387,000 | 3,028 |
| Total interest expense | $700,000 | 3,317 |
| Net interest income | $1,687,000 | 2,858 |
| Provision for loan and lease losses | $118,000 | 2,130 |
| Total noninterest income | $92,000 | 6,102 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $89,000 | 3,826 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $3,000 | 8,754 |
| Total noninterest expense | $935,000 | 3,871 |
| Salaries and employee benefits | $575,000 | 3,481 |
| Premises and equipment expense | $128,000 | 3,967 |
| Additional noninterest expense | $232,000 | 4,473 |
| Pre-tax net operating income | $726,000 | 2,661 |
| Securities gains (losses) | $80,000 | 1,125 |
| Applicable income taxes | $306,000 | 2,023 |
| Income before extraordinary items | $500,000 | 2,945 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $500,000 | 2,943 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 1,417 |
| Cash dividends | $84,000 | 3,098 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $448,800 | 3,017 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $9,082,000 | 3,272 |
| Total interest expense | $3,179,000 | 3,372 |
| Net interest income | $5,903,000 | 3,187 |
| Provision for loan and lease losses | $512,000 | 2,343 |
| Total noninterest income | $375,000 | 5,938 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $343,000 | 3,926 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $32,000 | 8,125 |
| Total noninterest expense | $3,589,000 | 3,878 |
| Salaries and employee benefits | $2,058,000 | 3,655 |
| Premises and equipment expense | $535,000 | 3,744 |
| Additional noninterest expense | $996,000 | 4,194 |
| Pre-tax net operating income | $2,177,000 | 3,238 |
| Securities gains (losses) | $23,000 | 3,041 |
| Applicable income taxes | $630,000 | 3,036 |
| Income before extraordinary items | $1,570,000 | 3,380 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,570,000 | 3,379 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $204,000 | 2,986 |
| Cash dividends | $282,000 | 4,436 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,553,670 | 3,294 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $9,354,000 | 3,510 |
| Total interest expense | $4,908,000 | 3,199 |
| Net interest income | $4,446,000 | 3,805 |
| Provision for loan and lease losses | $335,000 | 2,988 |
| Total noninterest income | $365,000 | 5,915 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $353,000 | 3,728 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $12,000 | 9,046 |
| Total noninterest expense | $3,000,000 | 4,336 |
| Salaries and employee benefits | $1,768,000 | 3,966 |
| Premises and equipment expense | $509,000 | 3,815 |
| Additional noninterest expense | $723,000 | 5,165 |
| Pre-tax net operating income | $1,476,000 | 3,906 |
| Securities gains (losses) | $83,000 | 1,904 |
| Applicable income taxes | $446,000 | 3,515 |
| Income before extraordinary items | $1,113,000 | 4,000 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,113,000 | 4,002 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $215,000 | 2,748 |
| Cash dividends | $238,000 | 4,770 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,054,070 | 4,024 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,915,000 | 3,749 |
| Total interest expense | $4,968,000 | 3,339 |
| Net interest income | $3,947,000 | 4,224 |
| Provision for loan and lease losses | $194,000 | 3,824 |
| Total noninterest income | $402,000 | 5,526 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $331,000 | 3,760 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $71,000 | 7,155 |
| Total noninterest expense | $2,879,000 | 4,369 |
| Salaries and employee benefits | $1,650,000 | 4,051 |
| Premises and equipment expense | $502,000 | 3,777 |
| Additional noninterest expense | $719,000 | 5,079 |
| Pre-tax net operating income | $1,276,000 | 4,556 |
| Securities gains (losses) | $4,000 | 1,432 |
| Applicable income taxes | $384,000 | 4,061 |
| Income before extraordinary items | $896,000 | 4,693 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $896,000 | 4,692 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 4,454 |
| Cash dividends | $252,000 | 4,746 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $893,200 | 4,709 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,390,000 | 4,200 |
| Total interest expense | $3,820,000 | 3,735 |
| Net interest income | $3,570,000 | 4,588 |
| Provision for loan and lease losses | $80,000 | 5,643 |
| Total noninterest income | $334,000 | 6,138 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $307,000 | 3,919 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $27,000 | 8,963 |
| Total noninterest expense | $2,724,000 | 4,566 |
| Salaries and employee benefits | $1,496,000 | 4,355 |
| Premises and equipment expense | $516,000 | 3,666 |
| Additional noninterest expense | $712,000 | 5,184 |
| Pre-tax net operating income | $1,100,000 | 5,023 |
| Securities gains (losses) | $11,000 | 1,705 |
| Applicable income taxes | $409,000 | 4,108 |
| Income before extraordinary items | $702,000 | 5,451 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $702,000 | 5,448 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 5,123 |
| Cash dividends | $120,000 | 5,887 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $694,960 | 5,446 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,520,000 | 4,665 |
| Total interest expense | $3,433,000 | 4,209 |
| Net interest income | $3,087,000 | 5,036 |
| Provision for loan and lease losses | $118,000 | 4,801 |
| Total noninterest income | $201,000 | 7,555 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $166,000 | 5,666 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $35,000 | 8,765 |
| Total noninterest expense | $2,243,000 | 5,145 |
| Salaries and employee benefits | $1,264,000 | 4,872 |
| Premises and equipment expense | $402,000 | 4,402 |
| Additional noninterest expense | $577,000 | 5,903 |
| Pre-tax net operating income | $927,000 | 5,646 |
| Securities gains (losses) | $-3,000 | 9,968 |
| Applicable income taxes | $353,000 | 4,744 |
| Income before extraordinary items | $571,000 | 6,204 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $571,000 | 6,203 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,323 |
| Cash dividends | $52,000 | 6,843 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $572,920 | 6,088 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,754,000 | 5,995 |
| Total interest expense | $2,342,000 | 5,659 |
| Net interest income | $2,412,000 | 6,196 |
| Provision for loan and lease losses | $357,000 | 2,295 |
| Total noninterest income | $149,000 | 8,603 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $104,000 | 7,108 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $45,000 | 8,650 |
| Total noninterest expense | $1,782,000 | 6,111 |
| Salaries and employee benefits | $1,004,000 | 5,848 |
| Premises and equipment expense | $311,000 | 5,340 |
| Additional noninterest expense | $467,000 | 6,786 |
| Pre-tax net operating income | $422,000 | 8,327 |
| Securities gains (losses) | $1,000 | 3,559 |
| Applicable income taxes | $169,000 | 7,340 |
| Income before extraordinary items | $254,000 | 8,715 |
| Extraordinary gains, net | $2,000 | 38 |
| Net income | $256,000 | 8,702 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 7,272 |
| Cash dividends | $21,000 | 7,591 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $253,360 | 8,683 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,012,000 | 9,355 |
| Total interest expense | $834,000 | 9,535 |
| Net interest income | $1,178,000 | 9,072 |
| Provision for loan and lease losses | $366,000 | 2,223 |
| Total noninterest income | $53,000 | 10,797 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $37,000 | 9,188 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $16,000 | 10,642 |
| Total noninterest expense | $1,427,000 | 7,317 |
| Salaries and employee benefits | $788,000 | 7,038 |
| Premises and equipment expense | $285,000 | 5,776 |
| Additional noninterest expense | $354,000 | 8,324 |
| Pre-tax net operating income | $-562,000 | 11,262 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $-220,000 | 11,280 |
| Income before extraordinary items | $-342,000 | 11,203 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-342,000 | 11,202 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $17,000 | 8,106 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-342,000 | 11,176 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $56,000 | 11,950 |
| Total interest expense | $2,000 | 11,948 |
| Net interest income | $54,000 | 11,945 |
| Provision for loan and lease losses | $16,000 | 7,905 |
| Total noninterest income | $0 | 11,937 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 10,339 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $0 | 11,920 |
| Total noninterest expense | $196,000 | 11,877 |
| Salaries and employee benefits | $89,000 | 11,890 |
| Premises and equipment expense | $44,000 | 11,264 |
| Additional noninterest expense | $63,000 | 11,848 |
| Pre-tax net operating income | $-158,000 | 11,648 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $-58,000 | 11,657 |
| Income before extraordinary items | $-100,000 | 11,604 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-100,000 | 11,602 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $8,000,000 | 60 |
| Net operating income | $-100,000 | 11,581 |
* 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.