Home > The First State Bank and Trust Company of Manchester, Kentucky > Income and Expense
The First State Bank and Trust Company of Manchester, Kentucky, Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,155,000 | 8,004 |
| Total interest expense | $1,519,000 | 7,645 |
| Net interest income | $1,636,000 | 8,173 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $150,000 | 9,317 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $113,000 | 7,474 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $37,000 | 9,867 |
| Total noninterest expense | $1,069,000 | 8,689 |
| Salaries and employee benefits | $460,000 | 9,449 |
| Premises and equipment expense | $132,000 | 8,739 |
| Additional noninterest expense | $477,000 | 7,458 |
| Pre-tax net operating income | $717,000 | 7,244 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $284,000 | 6,211 |
| Income before extraordinary items | $433,000 | 7,786 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $433,000 | 7,785 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,925 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $433,000 | 7,754 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,128,000 | 5,560 |
| Total interest expense | $1,950,000 | 5,721 |
| Net interest income | $3,178,000 | 5,359 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $309,000 | 7,137 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $208,000 | 5,708 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $101,000 | 7,482 |
| Total noninterest expense | $2,105,000 | 5,954 |
| Salaries and employee benefits | $1,075,000 | 5,751 |
| Premises and equipment expense | $248,000 | 6,554 |
| Additional noninterest expense | $782,000 | 5,809 |
| Pre-tax net operating income | $1,382,000 | 4,720 |
| Securities gains (losses) | $14,000 | 2,006 |
| Applicable income taxes | $448,000 | 4,403 |
| Income before extraordinary items | $948,000 | 4,711 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $948,000 | 4,711 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,934 |
| Cash dividends | $1,150,000 | 1,696 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $938,480 | 4,788 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,137,000 | 5,642 |
| Total interest expense | $1,863,000 | 6,171 |
| Net interest income | $3,274,000 | 5,246 |
| Provision for loan and lease losses | $45,000 | 7,729 |
| Total noninterest income | $274,000 | 8,008 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $217,000 | 5,656 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $57,000 | 9,699 |
| Total noninterest expense | $2,003,000 | 6,332 |
| Salaries and employee benefits | $980,000 | 6,242 |
| Premises and equipment expense | $230,000 | 7,093 |
| Additional noninterest expense | $793,000 | 5,964 |
| Pre-tax net operating income | $1,500,000 | 4,323 |
| Securities gains (losses) | $217,000 | 1,602 |
| Applicable income taxes | $510,000 | 4,116 |
| Income before extraordinary items | $1,207,000 | 4,001 |
| Extraordinary gains, net | $-46,000 | 12,698 |
| Net income | $1,161,000 | 4,258 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 11,961 |
| Cash dividends | $875,000 | 1,986 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,055,100 | 4,248 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,477,000 | 5,920 |
| Total interest expense | $2,289,000 | 6,431 |
| Net interest income | $3,188,000 | 5,421 |
| Provision for loan and lease losses | $225,000 | 4,908 |
| Total noninterest income | $277,000 | 8,055 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $193,000 | 6,127 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $84,000 | 8,687 |
| Total noninterest expense | $2,089,000 | 6,162 |
| Salaries and employee benefits | $876,000 | 6,758 |
| Premises and equipment expense | $330,000 | 5,602 |
| Additional noninterest expense | $883,000 | 5,612 |
| Pre-tax net operating income | $1,151,000 | 5,090 |
| Securities gains (losses) | $198,000 | 2,025 |
| Applicable income taxes | $376,000 | 5,032 |
| Income before extraordinary items | $973,000 | 4,613 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $973,000 | 4,662 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $239,000 | 3,809 |
| Cash dividends | $425,000 | 3,155 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $830,440 | 4,915 |
* 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.