Home > The Kinsley Bank > Income and Expense
The Kinsley Bank, Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,184,000 | 9,448 |
| Total interest expense | $1,079,000 | 8,970 |
| Net interest income | $1,105,000 | 9,610 |
| Provision for loan and lease losses | $730,000 | 1,190 |
| Total noninterest income | $127,000 | 9,711 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $79,000 | 8,338 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $48,000 | 9,325 |
| Total noninterest expense | $999,000 | 8,955 |
| Salaries and employee benefits | $525,000 | 8,900 |
| Premises and equipment expense | $167,000 | 7,878 |
| Additional noninterest expense | $307,000 | 9,176 |
| Pre-tax net operating income | $-497,000 | 11,792 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $-177,000 | 11,782 |
| Income before extraordinary items | $-320,000 | 11,748 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-320,000 | 11,745 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $777,000 | 1,049 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $-320,000 | 11,733 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,277,000 | 9,302 |
| Total interest expense | $1,025,000 | 8,586 |
| Net interest income | $1,252,000 | 9,613 |
| Provision for loan and lease losses | $207,000 | 2,959 |
| Total noninterest income | $163,000 | 9,449 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $103,000 | 8,012 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $60,000 | 9,091 |
| Total noninterest expense | $896,000 | 9,788 |
| Salaries and employee benefits | $503,000 | 9,364 |
| Premises and equipment expense | $171,000 | 8,060 |
| Additional noninterest expense | $222,000 | 10,867 |
| Pre-tax net operating income | $312,000 | 10,041 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $114,000 | 9,050 |
| Income before extraordinary items | $198,000 | 10,303 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $198,000 | 10,305 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $171,000 | 2,759 |
| Cash dividends | $60,000 | 7,692 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $198,000 | 10,348 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,196,000 | 9,795 |
| Total interest expense | $986,000 | 9,173 |
| Net interest income | $1,210,000 | 10,041 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $183,000 | 9,543 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $109,000 | 8,130 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $74,000 | 8,889 |
| Total noninterest expense | $898,000 | 10,198 |
| Salaries and employee benefits | $486,000 | 9,810 |
| Premises and equipment expense | $182,000 | 8,093 |
| Additional noninterest expense | $230,000 | 11,318 |
| Pre-tax net operating income | $495,000 | 8,686 |
| Securities gains (losses) | $5,000 | 6,132 |
| Applicable income taxes | $178,000 | 8,047 |
| Income before extraordinary items | $322,000 | 9,212 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $322,000 | 9,380 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-75,000 | 12,841 |
| Cash dividends | $30,000 | 8,419 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $318,800 | 9,003 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,346,000 | 10,197 |
| Total interest expense | $1,103,000 | 9,970 |
| Net interest income | $1,243,000 | 10,166 |
| Provision for loan and lease losses | $36,000 | 9,661 |
| Total noninterest income | $142,000 | 10,654 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $104,000 | 8,390 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $38,000 | 11,181 |
| Total noninterest expense | $860,000 | 10,708 |
| Salaries and employee benefits | $469,000 | 10,097 |
| Premises and equipment expense | $185,000 | 8,187 |
| Additional noninterest expense | $206,000 | 12,160 |
| Pre-tax net operating income | $489,000 | 8,484 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $188,000 | 7,803 |
| Income before extraordinary items | $301,000 | 9,312 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $301,000 | 9,447 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 8,345 |
| Cash dividends | $30,000 | 8,198 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $301,000 | 8,937 |
* 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.