Home > People's Community Bank of South Carolina > Income and Expense
People's Community Bank of South Carolina, Income and Expense
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,662,000 | 4,161 |
| Total interest expense | $441,000 | 4,386 |
| Net interest income | $1,221,000 | 4,005 |
| Provision for loan and lease losses | $40,000 | 3,596 |
| Total noninterest income | $179,000 | 4,262 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $108,000 | 3,268 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $71,000 | 4,437 |
| Total noninterest expense | $809,000 | 4,531 |
| Salaries and employee benefits | $478,000 | 4,242 |
| Premises and equipment expense | $79,000 | 5,599 |
| Additional noninterest expense | $252,000 | 4,340 |
| Pre-tax net operating income | $551,000 | 3,426 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $191,000 | 2,676 |
| Income before extraordinary items | $360,000 | 3,895 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $360,000 | 3,897 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $360,000 | 3,847 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,937,000 | 4,296 |
| Total interest expense | $1,245,000 | 5,015 |
| Net interest income | $4,692,000 | 3,996 |
| Provision for loan and lease losses | $176,000 | 3,987 |
| Total noninterest income | $776,000 | 4,128 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $509,000 | 3,106 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $267,000 | 4,503 |
| Total noninterest expense | $3,410,000 | 4,259 |
| Salaries and employee benefits | $1,909,000 | 4,149 |
| Premises and equipment expense | $324,000 | 5,456 |
| Additional noninterest expense | $1,177,000 | 3,814 |
| Pre-tax net operating income | $1,882,000 | 3,659 |
| Securities gains (losses) | $14,000 | 2,631 |
| Applicable income taxes | $625,000 | 2,964 |
| Income before extraordinary items | $1,271,000 | 4,050 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,271,000 | 4,051 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,222 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,261,620 | 4,013 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,305,000 | 4,375 |
| Total interest expense | $861,000 | 5,209 |
| Net interest income | $3,444,000 | 4,057 |
| Provision for loan and lease losses | $151,000 | 3,503 |
| Total noninterest income | $594,000 | 4,109 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $393,000 | 3,054 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $201,000 | 4,487 |
| Total noninterest expense | $2,334,000 | 4,516 |
| Salaries and employee benefits | $1,389,000 | 4,214 |
| Premises and equipment expense | $239,000 | 5,492 |
| Additional noninterest expense | $706,000 | 4,487 |
| Pre-tax net operating income | $1,553,000 | 3,490 |
| Securities gains (losses) | $14,000 | 2,518 |
| Applicable income taxes | $539,000 | 2,778 |
| Income before extraordinary items | $1,028,000 | 3,931 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,028,000 | 3,932 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 4,599 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,018,760 | 3,890 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,753,000 | 4,516 |
| Total interest expense | $541,000 | 5,419 |
| Net interest income | $2,212,000 | 4,173 |
| Provision for loan and lease losses | $118,000 | 3,243 |
| Total noninterest income | $414,000 | 4,015 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $266,000 | 2,986 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $148,000 | 4,323 |
| Total noninterest expense | $1,508,000 | 4,647 |
| Salaries and employee benefits | $896,000 | 4,335 |
| Premises and equipment expense | $157,000 | 5,529 |
| Additional noninterest expense | $455,000 | 4,644 |
| Pre-tax net operating income | $1,000,000 | 3,532 |
| Securities gains (losses) | $11,000 | 2,367 |
| Applicable income taxes | $347,000 | 2,818 |
| Income before extraordinary items | $664,000 | 3,977 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $664,000 | 3,978 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 3,762 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $656,740 | 3,915 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,323,000 | 4,662 |
| Total interest expense | $258,000 | 5,627 |
| Net interest income | $1,065,000 | 4,297 |
| Provision for loan and lease losses | $56,000 | 3,163 |
| Total noninterest income | $209,000 | 3,959 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $129,000 | 2,993 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $80,000 | 4,184 |
| Total noninterest expense | $743,000 | 4,719 |
| Salaries and employee benefits | $429,000 | 4,485 |
| Premises and equipment expense | $78,000 | 5,588 |
| Additional noninterest expense | $236,000 | 4,505 |
| Pre-tax net operating income | $475,000 | 3,664 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $162,000 | 2,950 |
| Income before extraordinary items | $313,000 | 4,162 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $313,000 | 4,161 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-29,000 | 8,693 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $313,000 | 4,030 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,867,000 | 4,990 |
| Total interest expense | $1,286,000 | 5,349 |
| Net interest income | $3,581,000 | 4,718 |
| Provision for loan and lease losses | $112,000 | 5,151 |
| Total noninterest income | $966,000 | 3,798 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $603,000 | 2,678 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $363,000 | 4,151 |
| Total noninterest expense | $2,901,000 | 4,722 |
| Salaries and employee benefits | $1,694,000 | 4,449 |
| Premises and equipment expense | $354,000 | 5,125 |
| Additional noninterest expense | $853,000 | 4,829 |
| Pre-tax net operating income | $1,534,000 | 4,071 |
| Securities gains (losses) | $95,000 | 1,941 |
| Applicable income taxes | $539,000 | 3,251 |
| Income before extraordinary items | $1,090,000 | 4,410 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,090,000 | 4,411 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 6,493 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,026,350 | 4,402 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,603,000 | 5,088 |
| Total interest expense | $1,019,000 | 5,323 |
| Net interest income | $2,584,000 | 4,852 |
| Provision for loan and lease losses | $78,000 | 5,161 |
| Total noninterest income | $768,000 | 3,730 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $455,000 | 2,682 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $313,000 | 3,967 |
| Total noninterest expense | $2,151,000 | 4,741 |
| Salaries and employee benefits | $1,256,000 | 4,469 |
| Premises and equipment expense | $264,000 | 5,147 |
| Additional noninterest expense | $631,000 | 4,835 |
| Pre-tax net operating income | $1,123,000 | 4,261 |
| Securities gains (losses) | $68,000 | 2,055 |
| Applicable income taxes | $394,000 | 3,442 |
| Income before extraordinary items | $797,000 | 4,607 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $797,000 | 4,607 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,592 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $751,440 | 4,581 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,416,000 | 5,103 |
| Total interest expense | $712,000 | 5,287 |
| Net interest income | $1,704,000 | 4,893 |
| Provision for loan and lease losses | $59,000 | 4,958 |
| Total noninterest income | $495,000 | 3,762 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $285,000 | 2,762 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $210,000 | 3,950 |
| Total noninterest expense | $1,432,000 | 4,728 |
| Salaries and employee benefits | $846,000 | 4,443 |
| Premises and equipment expense | $174,000 | 5,157 |
| Additional noninterest expense | $412,000 | 4,898 |
| Pre-tax net operating income | $708,000 | 4,391 |
| Securities gains (losses) | $68,000 | 1,796 |
| Applicable income taxes | $257,000 | 3,506 |
| Income before extraordinary items | $519,000 | 4,698 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $519,000 | 4,698 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,782 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $473,440 | 4,732 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,186,000 | 5,205 |
| Total interest expense | $360,000 | 5,361 |
| Net interest income | $826,000 | 4,976 |
| Provision for loan and lease losses | $30,000 | 4,429 |
| Total noninterest income | $259,000 | 3,558 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $140,000 | 2,724 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $119,000 | 3,615 |
| Total noninterest expense | $744,000 | 4,596 |
| Salaries and employee benefits | $450,000 | 4,245 |
| Premises and equipment expense | $82,000 | 5,357 |
| Additional noninterest expense | $212,000 | 4,752 |
| Pre-tax net operating income | $311,000 | 4,704 |
| Securities gains (losses) | $27,000 | 1,749 |
| Applicable income taxes | $105,000 | 3,848 |
| Income before extraordinary items | $233,000 | 4,905 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $233,000 | 4,904 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $214,370 | 4,955 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,082,000 | 5,122 |
| Total interest expense | $1,684,000 | 5,358 |
| Net interest income | $3,398,000 | 4,852 |
| Provision for loan and lease losses | $254,000 | 3,831 |
| Total noninterest income | $992,000 | 3,506 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $494,000 | 3,001 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $498,000 | 3,289 |
| Total noninterest expense | $2,871,000 | 4,603 |
| Salaries and employee benefits | $1,753,000 | 4,174 |
| Premises and equipment expense | $333,000 | 5,244 |
| Additional noninterest expense | $785,000 | 4,990 |
| Pre-tax net operating income | $1,265,000 | 4,570 |
| Securities gains (losses) | $168,000 | 1,286 |
| Applicable income taxes | $462,000 | 3,614 |
| Income before extraordinary items | $971,000 | 4,680 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $971,000 | 4,679 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 5,210 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $856,760 | 4,892 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,905,000 | 5,680 |
| Total interest expense | $2,244,000 | 5,756 |
| Net interest income | $2,661,000 | 5,511 |
| Provision for loan and lease losses | $116,000 | 5,357 |
| Total noninterest income | $626,000 | 4,490 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $443,000 | 3,136 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $183,000 | 5,128 |
| Total noninterest expense | $2,328,000 | 5,203 |
| Salaries and employee benefits | $1,368,000 | 4,837 |
| Premises and equipment expense | $250,000 | 6,089 |
| Additional noninterest expense | $710,000 | 5,234 |
| Pre-tax net operating income | $843,000 | 5,350 |
| Securities gains (losses) | $38,000 | 2,612 |
| Applicable income taxes | $301,000 | 4,256 |
| Income before extraordinary items | $580,000 | 5,715 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $580,000 | 5,718 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 5,124 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $554,920 | 5,704 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,367,000 | 6,192 |
| Total interest expense | $1,856,000 | 6,498 |
| Net interest income | $2,511,000 | 5,786 |
| Provision for loan and lease losses | $250,000 | 3,225 |
| Total noninterest income | $358,000 | 5,837 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $241,000 | 4,617 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $117,000 | 6,051 |
| Total noninterest expense | $1,889,000 | 5,884 |
| Salaries and employee benefits | $1,075,000 | 5,639 |
| Premises and equipment expense | $224,000 | 6,399 |
| Additional noninterest expense | $590,000 | 5,854 |
| Pre-tax net operating income | $730,000 | 6,114 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $257,000 | 4,924 |
| Income before extraordinary items | $473,000 | 6,468 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $473,000 | 6,467 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $88,000 | 3,790 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $473,000 | 6,481 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,028,000 | 7,344 |
| Total interest expense | $1,111,000 | 7,880 |
| Net interest income | $1,917,000 | 6,794 |
| Provision for loan and lease losses | $127,000 | 4,627 |
| Total noninterest income | $295,000 | 6,488 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $200,000 | 5,121 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $95,000 | 6,757 |
| Total noninterest expense | $1,651,000 | 6,407 |
| Salaries and employee benefits | $1,000,000 | 5,883 |
| Premises and equipment expense | $187,000 | 7,010 |
| Additional noninterest expense | $464,000 | 6,788 |
| Pre-tax net operating income | $434,000 | 7,439 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $195,000 | 5,765 |
| Income before extraordinary items | $239,000 | 8,010 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $239,000 | 8,008 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,619 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $239,000 | 7,984 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,876,000 | 8,835 |
| Total interest expense | $766,000 | 9,020 |
| Net interest income | $1,110,000 | 8,553 |
| Provision for loan and lease losses | $225,000 | 3,261 |
| Total noninterest income | $170,000 | 7,954 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $85,000 | 7,159 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $85,000 | 7,031 |
| Total noninterest expense | $1,303,000 | 7,240 |
| Salaries and employee benefits | $873,000 | 6,338 |
| Premises and equipment expense | $176,000 | 7,131 |
| Additional noninterest expense | $254,000 | 8,566 |
| Pre-tax net operating income | $-248,000 | 10,031 |
| Securities gains (losses) | $1,000 | 4,151 |
| Applicable income taxes | $-95,000 | 10,219 |
| Income before extraordinary items | $-152,000 | 10,002 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-152,000 | 9,999 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-152,640 | 9,970 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $197,000 | 10,837 |
| Total interest expense | $81,000 | 10,791 |
| Net interest income | $116,000 | 10,840 |
| Provision for loan and lease losses | $60,000 | 6,153 |
| Total noninterest income | $9,000 | 10,792 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $3,000 | 9,403 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $6,000 | 10,622 |
| Total noninterest expense | $468,000 | 10,244 |
| Salaries and employee benefits | $225,000 | 10,415 |
| Premises and equipment expense | $43,000 | 10,363 |
| Additional noninterest expense | $200,000 | 9,408 |
| Pre-tax net operating income | $-403,000 | 10,703 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $-155,000 | 10,765 |
| Income before extraordinary items | $-248,000 | 10,640 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-248,000 | 10,640 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $6,000,000 | 158 |
| Net operating income | $-248,000 | 10,615 |
* 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.