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Peoples Bank, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$10,993,0002,932
Total interest expense$5,035,0002,982
Net interest income$5,958,0002,899
Provision for loan and lease losses$387,0002,124
Total noninterest income$2,150,0001,723
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$1,177,0001,066
Trading account gains and fees$0224
Additional Noninterest Income$973,0001,890
Total noninterest expense$5,047,0002,592
Salaries and employee benefits$2,246,0002,994
Premises and equipment expense$769,0002,539
Additional noninterest expense$2,032,0002,085
Pre-tax net operating income$2,674,0002,631
Securities gains (losses)$258,000795
Applicable income taxes$745,0002,894
Income before extraordinary items$2,187,0002,364
Extraordinary gains, net$032
Net income$2,187,0002,363
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$87,0003,892
Cash dividends$545,0003,338
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$1,993,5002,485
1997-12-31 (YTD Data)Rank
Total interest income$10,967,0002,975
Total interest expense$4,635,0003,201
Net interest income$6,332,0002,747
Provision for loan and lease losses$284,0002,742
Total noninterest income$1,688,0002,014
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$1,082,0001,169
Trading account gains and fees$0239
Additional Noninterest Income$606,0002,456
Total noninterest expense$4,458,0002,852
Salaries and employee benefits$2,311,0002,865
Premises and equipment expense$788,0002,455
Additional noninterest expense$1,359,0002,985
Pre-tax net operating income$3,278,0002,296
Securities gains (losses)$52,0001,322
Applicable income taxes$952,0002,538
Income before extraordinary items$2,378,0002,217
Extraordinary gains, net$044
Net income$2,378,0002,217
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$171,0002,806
Cash dividends$438,0003,778
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$2,341,0802,190
1996-12-31 (YTD Data)Rank
Total interest income$9,434,0003,452
Total interest expense$3,937,0003,765
Net interest income$5,497,0003,221
Provision for loan and lease losses$269,0002,820
Total noninterest income$1,428,0002,382
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$1,038,0001,288
Trading account gains and feesNANA
Additional Noninterest Income$390,0003,456
Total noninterest expense$3,784,0003,511
Salaries and employee benefits$2,000,0003,334
Premises and equipment expense$655,0002,955
Additional noninterest expense$1,129,0003,976
Pre-tax net operating income$2,872,0002,461
Securities gains (losses)$56,0001,263
Applicable income taxes$805,0002,818
Income before extraordinary items$2,123,0002,308
Extraordinary gains, net$053
Net income$2,123,0002,309
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$91,0004,119
Cash dividends$400,0003,860
Sale, conversion, retirement of capital stock, net$0953
Net operating income$2,082,1202,320
1995-12-31 (YTD Data)Rank
Total interest income$7,935,0004,043
Total interest expense$3,422,0004,240
Net interest income$4,513,0003,893
Provision for loan and lease losses$25,0007,325
Total noninterest income$1,046,0002,996
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$801,0001,686
Trading account gains and feesNANA
Additional Noninterest Income$245,0004,540
Total noninterest expense$3,238,0004,025
Salaries and employee benefits$1,655,0003,923
Premises and equipment expense$540,0003,516
Additional noninterest expense$1,043,0004,204
Pre-tax net operating income$2,296,0003,087
Securities gains (losses)$40,0001,447
Applicable income taxes$703,0003,223
Income before extraordinary items$1,633,0003,003
Extraordinary gains, net$065
Net income$1,633,0002,999
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$62,0004,742
Cash dividends$375,0004,026
Sale, conversion, retirement of capital stock, net$0809
Net operating income$1,605,0003,021
1994-12-31 (YTD Data)Rank
Total interest income$6,586,0004,476
Total interest expense$2,404,0004,811
Net interest income$4,182,0004,210
Provision for loan and lease losses$21,0007,711
Total noninterest income$1,069,0002,965
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$694,0001,945
Trading account gains and feesNANA
Additional Noninterest Income$375,0003,547
Total noninterest expense$2,899,0004,545
Salaries and employee benefits$1,441,0004,439
Premises and equipment expense$341,0005,168
Additional noninterest expense$1,117,0004,309
Pre-tax net operating income$2,331,0003,016
Securities gains (losses)$55,0001,094
Applicable income taxes$570,0003,659
Income before extraordinary items$1,816,0002,671
Extraordinary gains, net$0249
Net income$1,816,0002,672
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-24,00011,382
Cash dividends$350,0004,074
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,774,2002,748
1993-12-31 (YTD Data)Rank
Total interest income$6,219,0004,802
Total interest expense$2,292,0005,183
Net interest income$3,927,0004,491
Provision for loan and lease losses$-62,00012,798
Total noninterest income$1,094,0003,121
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$671,0002,035
Trading account gains and feesNANA
Additional Noninterest Income$423,0003,627
Total noninterest expense$2,759,0004,835
Salaries and employee benefits$1,254,0005,032
Premises and equipment expense$329,0005,469
Additional noninterest expense$1,176,0004,264
Pre-tax net operating income$2,324,0002,904
Securities gains (losses)$101,0002,497
Applicable income taxes$574,0003,733
Income before extraordinary items$1,851,0002,703
Extraordinary gains, net$03,149
Net income$1,851,0002,785
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-61,00012,756
Cash dividends$330,0004,127
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$1,774,2402,652
1992-12-31 (YTD Data)Rank
Total interest income$6,495,0005,142
Total interest expense$2,755,0005,541
Net interest income$3,740,0004,739
Provision for loan and lease losses$415,0003,379
Total noninterest income$700,0004,411
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$598,0002,298
Trading account gains and feesNANA
Additional Noninterest Income$102,0007,992
Total noninterest expense$2,476,0005,357
Salaries and employee benefits$1,139,0005,425
Premises and equipment expense$336,0005,522
Additional noninterest expense$1,001,0005,045
Pre-tax net operating income$1,549,0003,935
Securities gains (losses)$128,0002,614
Applicable income taxes$418,0004,636
Income before extraordinary items$1,259,0003,648
Extraordinary gains, net$01,422
Net income$1,259,0003,690
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$143,0005,008
Cash dividends$300,0003,979
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$1,163,0003,629

* 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.