Home > Peoples State Bank of Commerce > Income and Expense

Peoples State Bank of Commerce, Income and Expense

2001-12-31 (YTD Data)Rank
Total interest income$3,945,0006,396
Total interest expense$1,944,0006,180
Net interest income$2,001,0006,435
Provision for loan and lease losses$486,0002,257
Total noninterest income$826,0003,768
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$309,0004,083
Trading account gains and fees$0177
Additional Noninterest Income$517,0003,068
Total noninterest expense$2,282,0005,262
Salaries and employee benefits$868,0006,504
Premises and equipment expense$458,0004,175
Additional noninterest expense$956,0004,214
Pre-tax net operating income$59,0008,508
Securities gains (losses)$56,0002,241
Applicable income taxes$07,903
Income before extraordinary items$115,0008,240
Extraordinary gains, net$0105
Net income$115,0008,238
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$556,0001,446
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$0922
Net operating income$59,0008,469
2000-12-31 (YTD Data)Rank
Total interest income$3,135,0007,278
Total interest expense$1,345,0007,475
Net interest income$1,790,0006,939
Provision for loan and lease losses$50,0006,512
Total noninterest income$306,0006,256
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$226,0004,796
Trading account gains and feesNANA
Additional Noninterest Income$80,0006,911
Total noninterest expense$2,019,0005,653
Salaries and employee benefits$772,0006,870
Premises and equipment expense$445,0004,165
Additional noninterest expense$802,0004,742
Pre-tax net operating income$27,0009,028
Securities gains (losses)$11,0001,132
Applicable income taxes$08,362
Income before extraordinary items$38,0008,999
Extraordinary gains, net$038
Net income$38,0008,998
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$155,0002,805
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$1,708,000386
Net operating income$27,0009,025
1999-12-31 (YTD Data)Rank
Total interest income$819,0009,761
Total interest expense$347,0009,735
Net interest income$472,0009,729
Provision for loan and lease losses$16,0007,832
Total noninterest income$71,0009,277
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$60,0007,602
Trading account gains and feesNANA
Additional Noninterest Income$11,0009,676
Total noninterest expense$829,0008,648
Salaries and employee benefits$277,0009,598
Premises and equipment expense$123,0008,172
Additional noninterest expense$429,0007,055
Pre-tax net operating income$-302,0009,712
Securities gains (losses)$03,155
Applicable income taxes$-100,0009,918
Income before extraordinary items$-202,0009,680
Extraordinary gains, net$035
Net income$-202,0009,678
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,631,000513
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$1,600,000456
Net operating income$-202,0009,657
1998-12-31 (YTD Data)Rank
Total interest income$4,875,0005,782
Total interest expense$2,444,0005,444
Net interest income$2,431,0005,946
Provision for loan and lease losses$1,685,000654
Total noninterest income$285,0006,613
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$231,0004,740
Trading account gains and feesNANA
Additional Noninterest Income$54,0008,037
Total noninterest expense$2,643,0004,577
Salaries and employee benefits$996,0005,808
Premises and equipment expense$458,0003,944
Additional noninterest expense$1,189,0003,398
Pre-tax net operating income$-1,612,00010,403
Securities gains (losses)$48,0001,766
Applicable income taxes$-354,00010,367
Income before extraordinary items$-1,210,00010,387
Extraordinary gains, net$032
Net income$-1,210,00010,384
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$823,000876
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$-1,246,96010,374
1997-12-31 (YTD Data)Rank
Total interest income$4,236,0006,438
Total interest expense$1,853,0006,556
Net interest income$2,383,0006,240
Provision for loan and lease losses$1,117,000904
Total noninterest income$278,0006,914
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$219,0005,049
Trading account gains and feesNANA
Additional Noninterest Income$59,0008,059
Total noninterest expense$1,742,0006,197
Salaries and employee benefits$747,0007,040
Premises and equipment expense$390,0004,536
Additional noninterest expense$605,0005,771
Pre-tax net operating income$-198,00010,562
Securities gains (losses)$03,944
Applicable income taxes$129,0007,928
Income before extraordinary items$-327,00010,688
Extraordinary gains, net$044
Net income$-327,00010,688
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-18,00010,186
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$550,000527
Net operating income$-327,00010,668
1996-12-31 (YTD Data)Rank
Total interest income$2,716,0008,391
Total interest expense$1,079,0008,765
Net interest income$1,637,0007,933
Provision for loan and lease losses$18,0008,074
Total noninterest income$264,0007,405
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$235,0005,041
Trading account gains and feesNANA
Additional Noninterest Income$29,0009,892
Total noninterest expense$1,360,0007,485
Salaries and employee benefits$748,0007,259
Premises and equipment expense$253,0006,211
Additional noninterest expense$359,0008,281
Pre-tax net operating income$523,0007,806
Securities gains (losses)$12,0002,365
Applicable income taxes$010,572
Income before extraordinary items$535,0006,660
Extraordinary gains, net$053
Net income$535,0006,663
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$6,0007,912
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$523,0006,688
1995-12-31 (YTD Data)Rank
Total interest income$2,207,0009,403
Total interest expense$981,0009,321
Net interest income$1,226,0009,261
Provision for loan and lease losses$79,0005,161
Total noninterest income$289,0007,202
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$207,0005,566
Trading account gains and feesNANA
Additional Noninterest Income$82,0007,878
Total noninterest expense$1,420,0007,525
Salaries and employee benefits$722,0007,574
Premises and equipment expense$215,0006,926
Additional noninterest expense$483,0007,402
Pre-tax net operating income$16,00011,427
Securities gains (losses)$26,0001,716
Applicable income taxes$011,151
Income before extraordinary items$42,00011,331
Extraordinary gains, net$065
Net income$42,00011,329
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$186,0002,619
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$950,000306
Net operating income$16,00011,413
1994-12-31 (YTD Data)Rank
Total interest income$2,129,0009,561
Total interest expense$857,0009,319
Net interest income$1,272,0009,545
Provision for loan and lease losses$367,0001,943
Total noninterest income$350,0006,675
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$248,0005,083
Trading account gains and feesNANA
Additional Noninterest Income$102,0007,454
Total noninterest expense$1,498,0007,608
Salaries and employee benefits$640,0008,337
Premises and equipment expense$217,0007,104
Additional noninterest expense$641,0006,730
Pre-tax net operating income$-243,00012,287
Securities gains (losses)$-3,0009,178
Applicable income taxes$-118,00012,321
Income before extraordinary items$-128,00012,178
Extraordinary gains, net$0249
Net income$-128,00012,178
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$512,0001,356
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$-126,08012,195
1993-12-31 (YTD Data)Rank
Total interest income$2,303,0009,570
Total interest expense$886,0009,609
Net interest income$1,417,0009,368
Provision for loan and lease losses$749,0001,591
Total noninterest income$345,0007,089
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$245,0005,195
Trading account gains and feesNANA
Additional Noninterest Income$100,0007,857
Total noninterest expense$1,522,0007,760
Salaries and employee benefits$722,0007,851
Premises and equipment expense$116,0009,911
Additional noninterest expense$684,0006,673
Pre-tax net operating income$-508,00012,860
Securities gains (losses)$1,0007,052
Applicable income taxes$012,141
Income before extraordinary items$-507,00012,896
Extraordinary gains, net$03,149
Net income$-507,00012,901
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$436,0001,939
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$-508,00012,840
1992-12-31 (YTD Data)Rank
Total interest income$2,588,0009,748
Total interest expense$1,051,00010,175
Net interest income$1,537,0009,157
Provision for loan and lease losses$346,0003,805
Total noninterest income$324,0007,413
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$258,0005,008
Trading account gains and feesNANA
Additional Noninterest Income$66,0009,490
Total noninterest expense$1,645,0007,419
Salaries and employee benefits$802,0007,242
Premises and equipment expense$216,0007,482
Additional noninterest expense$627,0007,283
Pre-tax net operating income$-130,00012,995
Securities gains (losses)$257,0001,688
Applicable income taxes$57,00011,058
Income before extraordinary items$70,00012,351
Extraordinary gains, net$01,422
Net income$70,00012,372
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$306,0003,289
Cash dividends$68,0007,284
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$-94,48012,900

* 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.