Home > Peoples State Bank > Income and Expense

Peoples State Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$1,837,000	9,595
Total interest expense	$1,036,000	8,891
Net interest income	$801,000	10,107
Provision for loan and lease losses	$15,000	8,204
Total noninterest income	$57,000	10,730
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$37,000	9,188
Trading account gains and fees	NA	NA
Additional Noninterest Income	$20,000	10,411
Total noninterest expense	$901,000	9,051
Salaries and employee benefits	$472,000	9,087
Premises and equipment expense	$140,000	8,281
Additional noninterest expense	$289,000	8,993
Pre-tax net operating income	$-58,000	10,908
Securities gains (losses)	$0	4,148
Applicable income taxes	$-22,000	10,997
Income before extraordinary items	$-36,000	10,901
Extraordinary gains, net	$0	53
Net income	$-36,000	10,897
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	7,694
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$-36,000	10,860
1995-12-31 (YTD Data)		Rank
Total interest income	$2,712,000	8,617
Total interest expense	$1,152,000	8,751
Net interest income	$1,560,000	8,363
Provision for loan and lease losses	$0	8,958
Total noninterest income	$195,000	8,512
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$91,000	8,002
Trading account gains and fees	NA	NA
Additional Noninterest Income	$104,000	7,102
Total noninterest expense	$1,348,000	7,744
Salaries and employee benefits	$681,000	7,848
Premises and equipment expense	$116,000	9,162
Additional noninterest expense	$551,000	6,862
Pre-tax net operating income	$407,000	9,024
Securities gains (losses)	$1,000	3,512
Applicable income taxes	$176,000	7,824
Income before extraordinary items	$232,000	9,582
Extraordinary gains, net	$0	65
Net income	$232,000	9,586
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$91,000	3,961
Cash dividends	$4,250,000	720
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$231,360	9,573
1994-12-31 (YTD Data)		Rank
Total interest income	$4,248,000	6,422
Total interest expense	$1,672,000	6,413
Net interest income	$2,576,000	6,314
Provision for loan and lease losses	$0	9,146
Total noninterest income	$258,000	7,831
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$161,000	6,639
Trading account gains and fees	NA	NA
Additional Noninterest Income	$97,000	7,607
Total noninterest expense	$1,809,000	6,665
Salaries and employee benefits	$793,000	7,245
Premises and equipment expense	$153,000	8,471
Additional noninterest expense	$863,000	5,368
Pre-tax net operating income	$1,025,000	5,850
Securities gains (losses)	$-110,000	11,591
Applicable income taxes	$395,000	4,805
Income before extraordinary items	$520,000	7,154
Extraordinary gains, net	$0	249
Net income	$520,000	7,163
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-5,000	10,447
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$590,400	6,671
1993-12-31 (YTD Data)		Rank
Total interest income	$4,011,000	6,862
Total interest expense	$1,620,000	6,824
Net interest income	$2,391,000	6,755
Provision for loan and lease losses	$40,000	7,927
Total noninterest income	$261,000	8,200
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$171,000	6,580
Trading account gains and fees	NA	NA
Additional Noninterest Income	$90,000	8,232
Total noninterest expense	$1,624,000	7,427
Salaries and employee benefits	$662,000	8,283
Premises and equipment expense	$177,000	8,214
Additional noninterest expense	$785,000	6,011
Pre-tax net operating income	$988,000	5,927
Securities gains (losses)	$-27,000	12,977
Applicable income taxes	$355,000	5,435
Income before extraordinary items	$606,000	6,726
Extraordinary gains, net	$0	3,149
Net income	$606,000	6,898
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$449,000	1,906
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$623,280	6,363
1992-12-31 (YTD Data)		Rank
Total interest income	$4,412,000	6,997
Total interest expense	$2,060,000	6,980
Net interest income	$2,352,000	6,884
Provision for loan and lease losses	$2,830,000	878
Total noninterest income	$267,000	8,225
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$188,000	6,229
Trading account gains and fees	NA	NA
Additional Noninterest Income	$79,000	8,899
Total noninterest expense	$1,994,000	6,396
Salaries and employee benefits	$703,000	7,957
Premises and equipment expense	$161,000	8,809
Additional noninterest expense	$1,130,000	4,583
Pre-tax net operating income	$-2,205,000	13,656
Securities gains (losses)	$3,000	7,429
Applicable income taxes	$0	12,680
Income before extraordinary items	$-2,202,000	13,694
Extraordinary gains, net	$0	1,422
Net income	$-2,202,000	13,690
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,049,000	945
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$-2,205,000	13,645

* 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.