Home > The Pennsylvania Capital Bank > Income and Expense
The Pennsylvania Capital Bank, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $10,864,000 | 3,169 |
| Total interest expense | $5,719,000 | 2,907 |
| Net interest income | $5,145,000 | 3,383 |
| Provision for loan and lease losses | $440,000 | 2,094 |
| Total noninterest income | $797,000 | 3,668 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $119,000 | 6,240 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $678,000 | 2,419 |
| Total noninterest expense | $3,775,000 | 3,487 |
| Salaries and employee benefits | $1,906,000 | 3,621 |
| Premises and equipment expense | $694,000 | 2,897 |
| Additional noninterest expense | $1,175,000 | 3,496 |
| Pre-tax net operating income | $1,727,000 | 3,664 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $608,000 | 3,079 |
| Income before extraordinary items | $1,119,000 | 4,053 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,119,000 | 4,055 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $109,000 | 3,434 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,119,000 | 4,049 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $9,574,000 | 3,352 |
| Total interest expense | $4,966,000 | 2,939 |
| Net interest income | $4,608,000 | 3,711 |
| Provision for loan and lease losses | $385,000 | 2,170 |
| Total noninterest income | $735,000 | 3,844 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $145,000 | 5,929 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $590,000 | 2,656 |
| Total noninterest expense | $4,278,000 | 3,113 |
| Salaries and employee benefits | $1,902,000 | 3,593 |
| Premises and equipment expense | $616,000 | 3,178 |
| Additional noninterest expense | $1,760,000 | 2,467 |
| Pre-tax net operating income | $680,000 | 6,388 |
| Securities gains (losses) | $22,000 | 1,340 |
| Applicable income taxes | $340,000 | 4,537 |
| Income before extraordinary items | $362,000 | 7,215 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $362,000 | 7,216 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $598,000 | 1,051 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $347,920 | 7,275 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $10,233,000 | 3,162 |
| Total interest expense | $4,860,000 | 3,080 |
| Net interest income | $5,373,000 | 3,193 |
| Provision for loan and lease losses | $1,100,000 | 890 |
| Total noninterest income | $249,000 | 7,019 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $176,000 | 5,486 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $73,000 | 7,394 |
| Total noninterest expense | $4,385,000 | 2,959 |
| Salaries and employee benefits | $1,944,000 | 3,435 |
| Premises and equipment expense | $610,000 | 3,114 |
| Additional noninterest expense | $1,831,000 | 2,281 |
| Pre-tax net operating income | $134,000 | 9,260 |
| Securities gains (losses) | $71,000 | 1,495 |
| Applicable income taxes | $63,000 | 8,107 |
| Income before extraordinary items | $145,000 | 9,011 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $145,000 | 9,009 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $671,000 | 1,000 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $96,010 | 9,301 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,437,000 | 3,423 |
| Total interest expense | $4,582,000 | 3,244 |
| Net interest income | $4,855,000 | 3,586 |
| Provision for loan and lease losses | $636,000 | 1,435 |
| Total noninterest income | $210,000 | 7,712 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $168,000 | 5,859 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $42,000 | 8,774 |
| Total noninterest expense | $3,572,000 | 3,541 |
| Salaries and employee benefits | $1,749,000 | 3,738 |
| Premises and equipment expense | $562,000 | 3,344 |
| Additional noninterest expense | $1,261,000 | 3,208 |
| Pre-tax net operating income | $857,000 | 6,298 |
| Securities gains (losses) | $185,000 | 747 |
| Applicable income taxes | $350,000 | 5,307 |
| Income before extraordinary items | $692,000 | 5,946 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $692,000 | 5,948 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $636,000 | 1,104 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $-132,000 | 10,784 |
| Net operating income | $569,900 | 6,490 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,565,000 | 3,784 |
| Total interest expense | $4,634,000 | 3,226 |
| Net interest income | $3,931,000 | 4,395 |
| Provision for loan and lease losses | $874,000 | 1,133 |
| Total noninterest income | $306,000 | 6,866 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $232,000 | 5,086 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $74,000 | 7,943 |
| Total noninterest expense | $3,272,000 | 4,029 |
| Salaries and employee benefits | $1,669,000 | 3,913 |
| Premises and equipment expense | $557,000 | 3,443 |
| Additional noninterest expense | $1,046,000 | 4,247 |
| Pre-tax net operating income | $91,000 | 10,417 |
| Securities gains (losses) | $2,000 | 3,501 |
| Applicable income taxes | $35,000 | 9,947 |
| Income before extraordinary items | $58,000 | 10,532 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $58,000 | 10,531 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $737,000 | 1,073 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $56,720 | 10,490 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $8,133,000 | 3,955 |
| Total interest expense | $4,100,000 | 3,604 |
| Net interest income | $4,033,000 | 4,273 |
| Provision for loan and lease losses | $425,000 | 1,782 |
| Total noninterest income | $305,000 | 7,023 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $237,000 | 5,097 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $68,000 | 8,433 |
| Total noninterest expense | $2,849,000 | 4,471 |
| Salaries and employee benefits | $1,425,000 | 4,489 |
| Premises and equipment expense | $478,000 | 3,898 |
| Additional noninterest expense | $946,000 | 4,561 |
| Pre-tax net operating income | $1,064,000 | 5,734 |
| Securities gains (losses) | $174,000 | 726 |
| Applicable income taxes | $417,000 | 4,805 |
| Income before extraordinary items | $821,000 | 5,348 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $821,000 | 5,344 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $103,000 | 3,693 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $706,160 | 5,935 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,769,000 | 5,041 |
| Total interest expense | $2,553,000 | 4,560 |
| Net interest income | $3,216,000 | 5,300 |
| Provision for loan and lease losses | $333,000 | 2,097 |
| Total noninterest income | $257,000 | 7,851 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $182,000 | 6,224 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $75,000 | 8,448 |
| Total noninterest expense | $2,553,000 | 5,065 |
| Salaries and employee benefits | $1,203,000 | 5,227 |
| Premises and equipment expense | $416,000 | 4,434 |
| Additional noninterest expense | $934,000 | 5,001 |
| Pre-tax net operating income | $587,000 | 8,071 |
| Securities gains (losses) | $-127,000 | 11,699 |
| Applicable income taxes | $-130,000 | 12,334 |
| Income before extraordinary items | $590,000 | 6,618 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $590,000 | 6,632 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $192,000 | 2,566 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $227,000 | 667 |
| Net operating income | $717,000 | 5,887 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,159,000 | 6,682 |
| Total interest expense | $1,900,000 | 6,092 |
| Net interest income | $2,259,000 | 7,015 |
| Provision for loan and lease losses | $275,000 | 3,195 |
| Total noninterest income | $210,000 | 9,043 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $110,000 | 8,108 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $100,000 | 7,857 |
| Total noninterest expense | $2,044,000 | 6,214 |
| Salaries and employee benefits | $992,000 | 6,181 |
| Premises and equipment expense | $297,000 | 5,898 |
| Additional noninterest expense | $755,000 | 6,204 |
| Pre-tax net operating income | $150,000 | 11,471 |
| Securities gains (losses) | $303,000 | 1,293 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $453,000 | 7,946 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $453,000 | 8,120 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 8,470 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $1,026,000 | 455 |
| Net operating income | $150,000 | 10,996 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,855,000 | 9,231 |
| Total interest expense | $1,395,000 | 8,875 |
| Net interest income | $1,460,000 | 9,412 |
| Provision for loan and lease losses | $112,000 | 6,979 |
| Total noninterest income | $66,000 | 12,680 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $54,000 | 10,159 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $12,000 | 13,214 |
| Total noninterest expense | $1,653,000 | 7,394 |
| Salaries and employee benefits | $775,000 | 7,432 |
| Premises and equipment expense | $277,000 | 6,329 |
| Additional noninterest expense | $601,000 | 7,506 |
| Pre-tax net operating income | $-239,000 | 13,126 |
| Securities gains (losses) | $36,000 | 4,684 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-203,000 | 13,185 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-203,000 | 13,178 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-239,000 | 13,096 |
* 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.