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Peoples Savings Bank & Trust, Income and Expense

1996-12-31 (YTD Data)Rank
Total interest income$30,679,0001,128
Total interest expense$16,565,0001,009
Net interest income$14,114,0001,268
Provision for loan and lease losses$938,0001,077
Total noninterest income$2,507,0001,549
Gross Fiduciary activities income$1,419,000420
Service charges on deposit accounts$449,0003,015
Trading account gains and fees$0262
Additional Noninterest Income$639,0002,452
Total noninterest expense$9,600,0001,489
Salaries and employee benefits$4,874,0001,377
Premises and equipment expense$2,000,0001,053
Additional noninterest expense$2,726,0001,878
Pre-tax net operating income$6,083,0001,194
Securities gains (losses)$-20,00010,629
Applicable income taxes$2,007,0001,229
Income before extraordinary items$4,056,0001,240
Extraordinary gains, net$053
Net income$4,056,0001,241
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$939,000941
Cash dividends$700,0002,732
Sale, conversion, retirement of capital stock, net$0953
Net operating income$4,069,4001,210
1995-12-31 (YTD Data)Rank
Total interest income$27,600,0001,242
Total interest expense$14,550,0001,155
Net interest income$13,050,0001,374
Provision for loan and lease losses$101,0004,564
Total noninterest income$2,305,0001,636
Gross Fiduciary activities income$1,129,000506
Service charges on deposit accounts$417,0003,228
Trading account gains and fees$49,000327
Additional Noninterest Income$710,0002,270
Total noninterest expense$9,416,0001,505
Salaries and employee benefits$4,505,0001,475
Premises and equipment expense$1,816,0001,162
Additional noninterest expense$3,095,0001,658
Pre-tax net operating income$5,838,0001,305
Securities gains (losses)$-170,00011,646
Applicable income taxes$2,224,0001,153
Income before extraordinary items$3,444,0001,489
Extraordinary gains, net$065
Net income$3,444,0001,486
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$428,0001,527
Cash dividends$5,000,000632
Sale, conversion, retirement of capital stock, net$0809
Net operating income$3,552,8001,431
1994-12-31 (YTD Data)Rank
Total interest income$25,059,0001,247
Total interest expense$11,352,0001,158
Net interest income$13,707,0001,319
Provision for loan and lease losses$129,0003,913
Total noninterest income$987,0003,143
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$370,0003,650
Trading account gains and fees$-284,0004,907
Additional Noninterest Income$901,0001,976
Total noninterest expense$8,641,0001,698
Salaries and employee benefits$3,535,0001,889
Premises and equipment expense$1,547,0001,351
Additional noninterest expense$3,559,0001,563
Pre-tax net operating income$5,924,0001,258
Securities gains (losses)$-322,00012,131
Applicable income taxes$2,273,0001,077
Income before extraordinary items$3,329,0001,482
Extraordinary gains, net$0249
Net income$3,329,0001,481
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$561,0001,277
Cash dividends$2,600,000904
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$3,535,0801,419
1993-12-31 (YTD Data)Rank
Total interest income$23,914,0001,319
Total interest expense$10,740,0001,264
Net interest income$13,174,0001,373
Provision for loan and lease losses$1,010,0001,290
Total noninterest income$2,091,0001,918
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$311,0004,286
Trading account gains and fees$579,000157
Additional Noninterest Income$1,201,0001,809
Total noninterest expense$6,739,0002,169
Salaries and employee benefits$2,958,0002,249
Premises and equipment expense$1,380,0001,533
Additional noninterest expense$2,401,0002,323
Pre-tax net operating income$7,516,000954
Securities gains (losses)$112,0002,338
Applicable income taxes$3,119,000832
Income before extraordinary items$4,509,0001,151
Extraordinary gains, net$284,000759
Net income$4,793,0001,114
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$732,0001,396
Cash dividends$3,300,000660
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$4,437,3201,079
1992-12-31 (YTD Data)Rank
Total interest income$25,298,0001,447
Total interest expense$12,585,0001,401
Net interest income$12,713,0001,454
Provision for loan and lease losses$1,255,0001,590
Total noninterest income$1,030,0003,235
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$263,0004,941
Trading account gains and fees$63,000303
Additional Noninterest Income$704,0002,532
Total noninterest expense$6,137,0002,366
Salaries and employee benefits$2,428,0002,672
Premises and equipment expense$1,188,0001,775
Additional noninterest expense$2,521,0002,303
Pre-tax net operating income$6,351,0001,021
Securities gains (losses)$-7,00013,179
Applicable income taxes$2,976,000787
Income before extraordinary items$3,368,0001,380
Extraordinary gains, net$01,422
Net income$3,368,0001,386
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$474,0002,543
Cash dividends$1,200,0001,321
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$3,372,4801,278

* 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.