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PEOPLES FIRST BANK, Income and Expense

1999-12-31 (YTD Data)Rank
Total interest income$2,115,0008,370
Total interest expense$1,054,0008,037
Net interest income$1,061,0008,489
Provision for loan and lease losses$24,0007,475
Total noninterest income$230,0007,140
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$172,0005,507
Trading account gains and feesNANA
Additional Noninterest Income$58,0007,783
Total noninterest expense$618,0009,268
Salaries and employee benefits$241,0009,747
Premises and equipment expense$72,0009,182
Additional noninterest expense$305,0008,075
Pre-tax net operating income$649,0006,525
Securities gains (losses)$03,155
Applicable income taxes$235,0005,347
Income before extraordinary items$414,0006,909
Extraordinary gains, net$035
Net income$414,0006,909
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$19,0006,178
Cash dividends$350,0004,197
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$414,0006,887
1998-12-31 (YTD Data)Rank
Total interest income$2,136,0008,522
Total interest expense$1,167,0007,986
Net interest income$969,0008,864
Provision for loan and lease losses$18,0007,833
Total noninterest income$140,0008,387
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$124,0006,388
Trading account gains and feesNANA
Additional Noninterest Income$16,0009,678
Total noninterest expense$719,0009,050
Salaries and employee benefits$375,0009,122
Premises and equipment expense$56,0009,684
Additional noninterest expense$288,0008,241
Pre-tax net operating income$372,0008,023
Securities gains (losses)$04,449
Applicable income taxes$142,0006,951
Income before extraordinary items$230,0008,391
Extraordinary gains, net$032
Net income$230,0008,390
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$32,0005,667
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$230,0008,322
1997-12-31 (YTD Data)Rank
Total interest income$3,154,0007,570
Total interest expense$1,489,0007,374
Net interest income$1,665,0007,630
Provision for loan and lease losses$08,829
Total noninterest income$173,0008,242
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$152,0006,142
Trading account gains and feesNANA
Additional Noninterest Income$21,0009,798
Total noninterest expense$809,0009,002
Salaries and employee benefits$573,0008,100
Premises and equipment expense$51,00010,179
Additional noninterest expense$185,0009,600
Pre-tax net operating income$1,029,0005,748
Securities gains (losses)$03,944
Applicable income taxes$317,0005,572
Income before extraordinary items$712,0005,844
Extraordinary gains, net$044
Net income$712,0005,846
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-6,0009,836
Cash dividends$300,0004,516
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$712,0005,800
1996-12-31 (YTD Data)Rank
Total interest income$3,169,0007,780
Total interest expense$1,456,0007,676
Net interest income$1,713,0007,738
Provision for loan and lease losses$09,041
Total noninterest income$189,0008,391
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$167,0006,171
Trading account gains and feesNANA
Additional Noninterest Income$22,00010,300
Total noninterest expense$785,0009,483
Salaries and employee benefits$559,0008,410
Premises and equipment expense$46,00010,757
Additional noninterest expense$180,00010,170
Pre-tax net operating income$1,117,0005,357
Securities gains (losses)$04,148
Applicable income taxes$391,0004,956
Income before extraordinary items$726,0005,645
Extraordinary gains, net$053
Net income$726,0005,645
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$27,0006,315
Cash dividends$300,0004,471
Sale, conversion, retirement of capital stock, net$0953
Net operating income$726,0005,588
1995-12-31 (YTD Data)Rank
Total interest income$3,123,0008,039
Total interest expense$1,475,0007,774
Net interest income$1,648,0008,147
Provision for loan and lease losses$08,958
Total noninterest income$199,0008,437
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$169,0006,277
Trading account gains and feesNANA
Additional Noninterest Income$30,00010,278
Total noninterest expense$837,0009,615
Salaries and employee benefits$560,0008,646
Premises and equipment expense$60,00010,776
Additional noninterest expense$217,00010,218
Pre-tax net operating income$1,010,0005,957
Securities gains (losses)$03,831
Applicable income taxes$349,0005,456
Income before extraordinary items$661,0006,230
Extraordinary gains, net$065
Net income$661,0006,228
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$97,0003,821
Cash dividends$203,0005,421
Sale, conversion, retirement of capital stock, net$0809
Net operating income$661,0006,220
1994-12-31 (YTD Data)Rank
Total interest income$2,484,0008,931
Total interest expense$1,120,0008,215
Net interest income$1,364,0009,266
Provision for loan and lease losses$50,0006,087
Total noninterest income$177,0009,158
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$151,0006,864
Trading account gains and feesNANA
Additional Noninterest Income$26,00011,043
Total noninterest expense$858,0009,958
Salaries and employee benefits$554,0008,928
Premises and equipment expense$62,00011,231
Additional noninterest expense$242,00010,626
Pre-tax net operating income$633,0007,819
Securities gains (losses)$03,600
Applicable income taxes$202,0007,307
Income before extraordinary items$431,0007,894
Extraordinary gains, net$0249
Net income$431,0007,905
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$40,0005,521
Cash dividends$180,0005,708
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$431,0007,942
1993-12-31 (YTD Data)Rank
Total interest income$2,325,0009,518
Total interest expense$1,029,0008,971
Net interest income$1,296,0009,745
Provision for loan and lease losses$010,371
Total noninterest income$174,0009,724
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$143,0007,269
Trading account gains and feesNANA
Additional Noninterest Income$31,00011,240
Total noninterest expense$874,00010,325
Salaries and employee benefits$550,0009,216
Premises and equipment expense$39,00012,577
Additional noninterest expense$285,00010,627
Pre-tax net operating income$596,0007,970
Securities gains (losses)$07,477
Applicable income taxes$187,0007,872
Income before extraordinary items$409,0008,338
Extraordinary gains, net$117,0001,443
Net income$526,0007,513
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-11,00011,785
Cash dividends$180,0005,679
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$409,0008,061
1992-12-31 (YTD Data)Rank
Total interest income$2,911,0009,139
Total interest expense$1,342,0009,069
Net interest income$1,569,0009,050
Provision for loan and lease losses$011,756
Total noninterest income$201,0009,396
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$160,0006,869
Trading account gains and feesNANA
Additional Noninterest Income$41,00010,988
Total noninterest expense$857,00010,723
Salaries and employee benefits$537,0009,398
Premises and equipment expense$70,00011,871
Additional noninterest expense$250,00011,528
Pre-tax net operating income$913,0006,023
Securities gains (losses)$08,369
Applicable income taxes$318,0005,709
Income before extraordinary items$595,0006,615
Extraordinary gains, net$01,422
Net income$595,0006,694
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-25,00013,191
Cash dividends$180,0005,316
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$595,0006,255

* 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.