Home > Peoples Bank of Northern Kentucky, Inc. > Income and Expense
Peoples Bank of Northern Kentucky, Inc., Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $15,738,000 | 2,190 |
| Total interest expense | $7,118,000 | 2,252 |
| Net interest income | $8,620,000 | 2,074 |
| Provision for loan and lease losses | $5,903,000 | 320 |
| Total noninterest income | $1,749,000 | 2,246 |
| Gross Fiduciary activities income | $290,000 | 730 |
| Service charges on deposit accounts | $670,000 | 2,233 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $789,000 | 2,411 |
| Total noninterest expense | $11,565,000 | 1,256 |
| Salaries and employee benefits | $2,645,000 | 2,816 |
| Premises and equipment expense | $644,000 | 3,172 |
| Additional noninterest expense | $8,276,000 | 653 |
| Pre-tax net operating income | $-7,099,000 | 9,582 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-2,392,000 | 9,582 |
| Income before extraordinary items | $-4,707,000 | 9,567 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-4,707,000 | 9,567 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,704,000 | 283 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-4,707,000 | 9,557 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $14,473,000 | 2,410 |
| Total interest expense | $6,721,000 | 2,500 |
| Net interest income | $7,752,000 | 2,287 |
| Provision for loan and lease losses | $430,000 | 2,132 |
| Total noninterest income | $1,236,000 | 2,699 |
| Gross Fiduciary activities income | $206,000 | 797 |
| Service charges on deposit accounts | $604,000 | 2,278 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $426,000 | 3,215 |
| Total noninterest expense | $4,678,000 | 2,900 |
| Salaries and employee benefits | $2,480,000 | 2,844 |
| Premises and equipment expense | $542,000 | 3,559 |
| Additional noninterest expense | $1,656,000 | 2,569 |
| Pre-tax net operating income | $3,880,000 | 1,886 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,344,000 | 1,654 |
| Income before extraordinary items | $2,536,000 | 2,058 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,536,000 | 2,058 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 3,579 |
| Cash dividends | $1,100,000 | 2,116 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,536,000 | 2,060 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $11,528,000 | 2,804 |
| Total interest expense | $4,921,000 | 2,970 |
| Net interest income | $6,607,000 | 2,649 |
| Provision for loan and lease losses | $340,000 | 2,413 |
| Total noninterest income | $945,000 | 3,222 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $452,000 | 2,877 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $493,000 | 2,977 |
| Total noninterest expense | $4,108,000 | 3,236 |
| Salaries and employee benefits | $2,273,000 | 3,058 |
| Premises and equipment expense | $463,000 | 4,031 |
| Additional noninterest expense | $1,372,000 | 3,086 |
| Pre-tax net operating income | $3,104,000 | 2,335 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,082,000 | 2,086 |
| Income before extraordinary items | $2,022,000 | 2,573 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,022,000 | 2,573 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $278,000 | 1,929 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,022,000 | 2,533 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $10,444,000 | 3,095 |
| Total interest expense | $4,594,000 | 3,239 |
| Net interest income | $5,850,000 | 2,950 |
| Provision for loan and lease losses | $480,000 | 1,770 |
| Total noninterest income | $1,093,000 | 2,888 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $380,000 | 3,274 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $713,000 | 2,349 |
| Total noninterest expense | $3,853,000 | 3,329 |
| Salaries and employee benefits | $2,242,000 | 3,000 |
| Premises and equipment expense | $451,000 | 4,001 |
| Additional noninterest expense | $1,160,000 | 3,468 |
| Pre-tax net operating income | $2,610,000 | 2,672 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $916,000 | 2,472 |
| Income before extraordinary items | $1,694,000 | 2,941 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,694,000 | 2,943 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $461,000 | 1,344 |
| Cash dividends | $199,000 | 5,428 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,694,000 | 2,851 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,387,000 | 3,445 |
| Total interest expense | $4,232,000 | 3,472 |
| Net interest income | $5,155,000 | 3,389 |
| Provision for loan and lease losses | $213,000 | 3,308 |
| Total noninterest income | $655,000 | 4,170 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $294,000 | 4,150 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $361,000 | 3,514 |
| Total noninterest expense | $3,549,000 | 3,560 |
| Salaries and employee benefits | $2,079,000 | 3,187 |
| Premises and equipment expense | $444,000 | 4,085 |
| Additional noninterest expense | $1,026,000 | 3,809 |
| Pre-tax net operating income | $2,048,000 | 3,457 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $721,000 | 3,164 |
| Income before extraordinary items | $1,327,000 | 3,731 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,327,000 | 3,730 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,735 |
| Cash dividends | $98,000 | 6,587 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,327,000 | 3,660 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,473,000 | 3,825 |
| Total interest expense | $4,293,000 | 3,473 |
| Net interest income | $4,180,000 | 4,174 |
| Provision for loan and lease losses | $122,000 | 4,550 |
| Total noninterest income | $447,000 | 5,570 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $221,000 | 5,215 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $226,000 | 4,843 |
| Total noninterest expense | $3,357,000 | 3,935 |
| Salaries and employee benefits | $1,955,000 | 3,401 |
| Premises and equipment expense | $440,000 | 4,198 |
| Additional noninterest expense | $962,000 | 4,555 |
| Pre-tax net operating income | $1,148,000 | 5,270 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $397,000 | 4,917 |
| Income before extraordinary items | $751,000 | 5,522 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $751,000 | 5,524 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 5,598 |
| Cash dividends | $10,000 | 8,198 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $751,000 | 5,469 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,326,000 | 4,375 |
| Total interest expense | $4,398,000 | 3,378 |
| Net interest income | $2,928,000 | 5,608 |
| Provision for loan and lease losses | $120,000 | 4,090 |
| Total noninterest income | $229,000 | 8,010 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $118,000 | 7,356 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $111,000 | 6,893 |
| Total noninterest expense | $2,624,000 | 4,792 |
| Salaries and employee benefits | $1,457,000 | 4,398 |
| Premises and equipment expense | $338,000 | 5,158 |
| Additional noninterest expense | $829,000 | 5,112 |
| Pre-tax net operating income | $413,000 | 8,977 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $148,000 | 8,300 |
| Income before extraordinary items | $265,000 | 9,270 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $265,000 | 9,276 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,657 |
| Cash dividends | $5,000 | 8,648 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $265,000 | 9,246 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,023,000 | 5,653 |
| Total interest expense | $2,425,000 | 4,779 |
| Net interest income | $2,598,000 | 6,271 |
| Provision for loan and lease losses | $190,000 | 3,120 |
| Total noninterest income | $174,000 | 9,218 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $74,000 | 8,860 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $100,000 | 7,516 |
| Total noninterest expense | $1,900,000 | 6,451 |
| Salaries and employee benefits | $974,000 | 6,217 |
| Premises and equipment expense | $212,000 | 7,183 |
| Additional noninterest expense | $714,000 | 6,218 |
| Pre-tax net operating income | $682,000 | 7,507 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $239,000 | 6,699 |
| Income before extraordinary items | $443,000 | 7,780 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $443,000 | 7,790 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 5,238 |
| Cash dividends | $40,000 | 8,160 |
| Sale, conversion, retirement of capital stock, net | $-2,000 | 12,436 |
| Net operating income | $443,000 | 7,827 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,573,000 | 7,430 |
| Total interest expense | $1,571,000 | 6,974 |
| Net interest income | $2,002,000 | 7,663 |
| Provision for loan and lease losses | $296,000 | 3,066 |
| Total noninterest income | $413,000 | 6,350 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $60,000 | 9,682 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $353,000 | 4,094 |
| Total noninterest expense | $1,476,000 | 7,909 |
| Salaries and employee benefits | $726,000 | 7,814 |
| Premises and equipment expense | $200,000 | 7,681 |
| Additional noninterest expense | $550,000 | 7,768 |
| Pre-tax net operating income | $643,000 | 7,665 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $122,000 | 9,263 |
| Income before extraordinary items | $521,000 | 7,377 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $521,000 | 7,554 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $90,000 | 907 |
| Net operating income | $521,000 | 7,134 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,539,000 | 11,864 |
| Total interest expense | $587,000 | 12,346 |
| Net interest income | $952,000 | 11,288 |
| Provision for loan and lease losses | $305,000 | 4,063 |
| Total noninterest income | $107,000 | 11,520 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $21,000 | 11,340 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $86,000 | 8,594 |
| Total noninterest expense | $1,044,000 | 9,778 |
| Salaries and employee benefits | $450,000 | 10,308 |
| Premises and equipment expense | $167,000 | 8,636 |
| Additional noninterest expense | $427,000 | 9,235 |
| Pre-tax net operating income | $-290,000 | 13,165 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-290,000 | 13,248 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-290,000 | 13,242 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $6,475,000 | 135 |
| Net operating income | $-290,000 | 13,142 |
* 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.