Home > The Exchange Bank of Kentucky > Income and Expense
The Exchange Bank of Kentucky, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,084,000 | 5,864 |
| Total interest expense | $2,378,000 | 5,712 |
| Net interest income | $2,706,000 | 5,867 |
| Provision for loan and lease losses | $327,000 | 2,419 |
| Total noninterest income | $1,025,000 | 3,063 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $387,000 | 3,432 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $638,000 | 2,457 |
| Total noninterest expense | $1,986,000 | 5,970 |
| Salaries and employee benefits | $732,000 | 7,344 |
| Premises and equipment expense | $282,000 | 5,808 |
| Additional noninterest expense | $972,000 | 4,509 |
| Pre-tax net operating income | $1,418,000 | 4,533 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $417,000 | 4,765 |
| Income before extraordinary items | $1,001,000 | 4,510 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,001,000 | 4,511 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $150,000 | 3,170 |
| Cash dividends | $1,087,000 | 2,017 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,001,000 | 4,455 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,780,000 | 6,179 |
| Total interest expense | $2,221,000 | 6,046 |
| Net interest income | $2,559,000 | 6,209 |
| Provision for loan and lease losses | $113,000 | 4,343 |
| Total noninterest income | $705,000 | 4,064 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $274,000 | 4,620 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $431,000 | 3,166 |
| Total noninterest expense | $1,970,000 | 6,052 |
| Salaries and employee benefits | $810,000 | 7,053 |
| Premises and equipment expense | $241,000 | 6,490 |
| Additional noninterest expense | $919,000 | 4,687 |
| Pre-tax net operating income | $1,181,000 | 5,298 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $353,000 | 5,401 |
| Income before extraordinary items | $828,000 | 5,312 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $828,000 | 5,309 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 4,894 |
| Cash dividends | $674,000 | 2,728 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $828,000 | 5,290 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,438,000 | 6,208 |
| Total interest expense | $1,782,000 | 6,119 |
| Net interest income | $2,656,000 | 6,164 |
| Provision for loan and lease losses | $80,000 | 5,022 |
| Total noninterest income | $721,000 | 4,032 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $223,000 | 5,464 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $498,000 | 2,957 |
| Total noninterest expense | $2,314,000 | 5,519 |
| Salaries and employee benefits | $975,000 | 6,208 |
| Premises and equipment expense | $260,000 | 6,355 |
| Additional noninterest expense | $1,079,000 | 4,416 |
| Pre-tax net operating income | $983,000 | 6,033 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $276,000 | 6,177 |
| Income before extraordinary items | $707,000 | 5,865 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $707,000 | 5,883 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $121,000 | 3,372 |
| Cash dividends | $483,000 | 3,307 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $707,000 | 5,930 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,240,000 | 6,588 |
| Total interest expense | $1,774,000 | 6,409 |
| Net interest income | $2,466,000 | 6,612 |
| Provision for loan and lease losses | $144,000 | 4,763 |
| Total noninterest income | $1,214,000 | 2,882 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $198,000 | 6,009 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,016,000 | 2,017 |
| Total noninterest expense | $2,413,000 | 5,426 |
| Salaries and employee benefits | $1,047,000 | 5,890 |
| Premises and equipment expense | $244,000 | 6,805 |
| Additional noninterest expense | $1,122,000 | 4,456 |
| Pre-tax net operating income | $1,123,000 | 5,435 |
| Securities gains (losses) | $41,000 | 3,697 |
| Applicable income taxes | $365,000 | 5,342 |
| Income before extraordinary items | $799,000 | 5,578 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $799,000 | 5,714 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 5,571 |
| Cash dividends | $624,000 | 2,580 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $770,710 | 5,484 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,449,000 | 6,955 |
| Total interest expense | $2,062,000 | 6,975 |
| Net interest income | $2,387,000 | 6,816 |
| Provision for loan and lease losses | $194,000 | 5,305 |
| Total noninterest income | $791,000 | 4,014 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $201,000 | 5,976 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $590,000 | 2,848 |
| Total noninterest expense | $2,113,000 | 6,119 |
| Salaries and employee benefits | $937,000 | 6,408 |
| Premises and equipment expense | $277,000 | 6,329 |
| Additional noninterest expense | $899,000 | 5,528 |
| Pre-tax net operating income | $871,000 | 6,243 |
| Securities gains (losses) | $87,000 | 3,239 |
| Applicable income taxes | $285,000 | 6,142 |
| Income before extraordinary items | $673,000 | 6,081 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $673,000 | 6,149 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $149,000 | 4,906 |
| Cash dividends | $369,000 | 3,525 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $612,100 | 6,124 |
* 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.