Home > The People's Bank of Oxford > Income and Expense
The People's Bank of Oxford, Income and Expense
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $5,731,000 | 1,209 |
| Total interest expense | $1,352,000 | 1,477 |
| Net interest income | $4,379,000 | 1,121 |
| Provision for loan and lease losses | $50,000 | 3,283 |
| Total noninterest income | $1,066,000 | 1,202 |
| Gross Fiduciary activities income | $214,000 | 416 |
| Service charges on deposit accounts | $446,000 | 945 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $406,000 | 1,527 |
| Total noninterest expense | $3,621,000 | 1,116 |
| Salaries and employee benefits | $2,309,000 | 937 |
| Premises and equipment expense | $420,000 | 1,392 |
| Additional noninterest expense | $892,000 | 1,357 |
| Pre-tax net operating income | $1,774,000 | 1,185 |
| Securities gains (losses) | $8,000 | 2,145 |
| Applicable income taxes | $503,000 | 1,282 |
| Income before extraordinary items | $1,279,000 | 1,267 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,279,000 | 1,267 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 8,331 |
| Cash dividends | $740,000 | 876 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,273,240 | 1,206 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $22,574,000 | 1,264 |
| Total interest expense | $5,948,000 | 1,493 |
| Net interest income | $16,626,000 | 1,166 |
| Provision for loan and lease losses | $600,000 | 1,837 |
| Total noninterest income | $5,323,000 | 1,071 |
| Gross Fiduciary activities income | $705,000 | 455 |
| Service charges on deposit accounts | $1,839,000 | 934 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $2,779,000 | 1,145 |
| Total noninterest expense | $14,489,000 | 1,115 |
| Salaries and employee benefits | $9,039,000 | 950 |
| Premises and equipment expense | $1,767,000 | 1,288 |
| Additional noninterest expense | $3,683,000 | 1,346 |
| Pre-tax net operating income | $6,860,000 | 1,223 |
| Securities gains (losses) | $24,000 | 3,094 |
| Applicable income taxes | $1,977,000 | 1,299 |
| Income before extraordinary items | $4,907,000 | 1,304 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $4,907,000 | 1,306 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $131,000 | 3,600 |
| Cash dividends | $1,559,000 | 1,679 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $4,889,960 | 1,238 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $16,831,000 | 1,294 |
| Total interest expense | $4,572,000 | 1,521 |
| Net interest income | $12,259,000 | 1,195 |
| Provision for loan and lease losses | $450,000 | 1,799 |
| Total noninterest income | $4,173,000 | 1,079 |
| Gross Fiduciary activities income | $495,000 | 475 |
| Service charges on deposit accounts | $1,356,000 | 960 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,322,000 | 1,112 |
| Total noninterest expense | $10,703,000 | 1,146 |
| Salaries and employee benefits | $6,686,000 | 973 |
| Premises and equipment expense | $1,331,000 | 1,285 |
| Additional noninterest expense | $2,686,000 | 1,373 |
| Pre-tax net operating income | $5,279,000 | 1,224 |
| Securities gains (losses) | $21,000 | 2,930 |
| Applicable income taxes | $1,531,000 | 1,331 |
| Income before extraordinary items | $3,769,000 | 1,311 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $3,769,000 | 1,311 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 3,994 |
| Cash dividends | $1,099,000 | 1,637 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $3,754,090 | 1,241 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $11,110,000 | 1,309 |
| Total interest expense | $3,123,000 | 1,545 |
| Net interest income | $7,987,000 | 1,220 |
| Provision for loan and lease losses | $300,000 | 1,769 |
| Total noninterest income | $2,711,000 | 1,083 |
| Gross Fiduciary activities income | $321,000 | 488 |
| Service charges on deposit accounts | $867,000 | 988 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,523,000 | 1,127 |
| Total noninterest expense | $7,113,000 | 1,143 |
| Salaries and employee benefits | $4,467,000 | 969 |
| Premises and equipment expense | $902,000 | 1,264 |
| Additional noninterest expense | $1,744,000 | 1,420 |
| Pre-tax net operating income | $3,285,000 | 1,303 |
| Securities gains (losses) | $9,000 | 2,996 |
| Applicable income taxes | $947,000 | 1,428 |
| Income before extraordinary items | $2,347,000 | 1,405 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,347,000 | 1,405 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 3,655 |
| Cash dividends | $537,000 | 2,047 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,340,610 | 1,320 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $5,531,000 | 1,322 |
| Total interest expense | $1,577,000 | 1,565 |
| Net interest income | $3,954,000 | 1,232 |
| Provision for loan and lease losses | $150,000 | 1,666 |
| Total noninterest income | $1,322,000 | 1,078 |
| Gross Fiduciary activities income | $156,000 | 510 |
| Service charges on deposit accounts | $420,000 | 989 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $746,000 | 1,111 |
| Total noninterest expense | $3,487,000 | 1,149 |
| Salaries and employee benefits | $2,202,000 | 976 |
| Premises and equipment expense | $455,000 | 1,265 |
| Additional noninterest expense | $830,000 | 1,446 |
| Pre-tax net operating income | $1,639,000 | 1,305 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $472,000 | 1,440 |
| Income before extraordinary items | $1,167,000 | 1,401 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,167,000 | 1,399 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 3,340 |
| Cash dividends | $500,000 | 1,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,167,000 | 1,315 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $22,570,000 | 1,353 |
| Total interest expense | $6,887,000 | 1,656 |
| Net interest income | $15,683,000 | 1,228 |
| Provision for loan and lease losses | $480,000 | 2,438 |
| Total noninterest income | $4,675,000 | 1,121 |
| Gross Fiduciary activities income | $582,000 | 529 |
| Service charges on deposit accounts | $1,500,000 | 1,071 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,593,000 | 1,105 |
| Total noninterest expense | $13,909,000 | 1,110 |
| Salaries and employee benefits | $8,651,000 | 933 |
| Premises and equipment expense | $1,725,000 | 1,269 |
| Additional noninterest expense | $3,533,000 | 1,351 |
| Pre-tax net operating income | $5,969,000 | 1,405 |
| Securities gains (losses) | $303,000 | 889 |
| Applicable income taxes | $1,724,000 | 1,463 |
| Income before extraordinary items | $4,548,000 | 1,366 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $4,548,000 | 1,366 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $159,000 | 3,403 |
| Cash dividends | $1,274,000 | 1,862 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $4,326,810 | 1,388 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $23,227,000 | 1,465 |
| Total interest expense | $9,067,000 | 1,788 |
| Net interest income | $14,160,000 | 1,254 |
| Provision for loan and lease losses | $330,000 | 3,018 |
| Total noninterest income | $4,107,000 | 1,155 |
| Gross Fiduciary activities income | $539,000 | 571 |
| Service charges on deposit accounts | $1,338,000 | 1,109 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $2,230,000 | 1,148 |
| Total noninterest expense | $12,395,000 | 1,186 |
| Salaries and employee benefits | $7,525,000 | 994 |
| Premises and equipment expense | $1,493,000 | 1,439 |
| Additional noninterest expense | $3,377,000 | 1,388 |
| Pre-tax net operating income | $5,542,000 | 1,330 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $1,483,000 | 1,510 |
| Income before extraordinary items | $4,059,000 | 1,345 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $4,059,000 | 1,347 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 4,619 |
| Cash dividends | $10,379,000 | 356 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $4,059,000 | 1,283 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $23,469,000 | 1,480 |
| Total interest expense | $9,518,000 | 1,807 |
| Net interest income | $13,951,000 | 1,249 |
| Provision for loan and lease losses | $465,000 | 2,005 |
| Total noninterest income | $3,568,000 | 1,160 |
| Gross Fiduciary activities income | $474,000 | 616 |
| Service charges on deposit accounts | $1,175,000 | 1,153 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,919,000 | 1,166 |
| Total noninterest expense | $11,026,000 | 1,251 |
| Salaries and employee benefits | $6,536,000 | 1,082 |
| Premises and equipment expense | $1,257,000 | 1,657 |
| Additional noninterest expense | $3,233,000 | 1,388 |
| Pre-tax net operating income | $6,028,000 | 1,230 |
| Securities gains (losses) | $-326,000 | 9,649 |
| Applicable income taxes | $1,591,000 | 1,435 |
| Income before extraordinary items | $4,111,000 | 1,273 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $4,111,000 | 1,275 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-114,000 | 9,768 |
| Cash dividends | $1,699,000 | 1,525 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $4,345,720 | 1,213 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $19,816,000 | 1,638 |
| Total interest expense | $6,997,000 | 2,120 |
| Net interest income | $12,819,000 | 1,361 |
| Provision for loan and lease losses | $451,000 | 1,907 |
| Total noninterest income | $2,247,000 | 1,709 |
| Gross Fiduciary activities income | $414,000 | 692 |
| Service charges on deposit accounts | $1,077,000 | 1,231 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $756,000 | 2,246 |
| Total noninterest expense | $8,746,000 | 1,574 |
| Salaries and employee benefits | $5,054,000 | 1,370 |
| Premises and equipment expense | $974,000 | 2,101 |
| Additional noninterest expense | $2,718,000 | 1,642 |
| Pre-tax net operating income | $5,869,000 | 1,309 |
| Securities gains (losses) | $2,000 | 2,566 |
| Applicable income taxes | $1,704,000 | 1,429 |
| Income before extraordinary items | $4,167,000 | 1,303 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,167,000 | 1,303 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 4,147 |
| Cash dividends | $1,258,000 | 1,908 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $4,165,580 | 1,283 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $18,525,000 | 1,747 |
| Total interest expense | $6,656,000 | 2,277 |
| Net interest income | $11,869,000 | 1,413 |
| Provision for loan and lease losses | $685,000 | 1,337 |
| Total noninterest income | $1,720,000 | 2,042 |
| Gross Fiduciary activities income | $357,000 | 741 |
| Service charges on deposit accounts | $787,000 | 1,612 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $576,000 | 2,713 |
| Total noninterest expense | $7,511,000 | 1,742 |
| Salaries and employee benefits | $4,483,000 | 1,457 |
| Premises and equipment expense | $814,000 | 2,412 |
| Additional noninterest expense | $2,214,000 | 1,909 |
| Pre-tax net operating income | $5,393,000 | 1,397 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,606,000 | 1,527 |
| Income before extraordinary items | $3,787,000 | 1,401 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $3,787,000 | 1,400 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $136,000 | 3,097 |
| Cash dividends | $1,118,000 | 2,052 |
| Sale, conversion, retirement of capital stock, net | $-3,000 | 10,288 |
| Net operating income | $3,787,000 | 1,350 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $16,407,000 | 1,990 |
| Total interest expense | $5,456,000 | 2,744 |
| Net interest income | $10,951,000 | 1,572 |
| Provision for loan and lease losses | $787,000 | 1,206 |
| Total noninterest income | $1,509,000 | 2,185 |
| Gross Fiduciary activities income | $290,000 | 817 |
| Service charges on deposit accounts | $762,000 | 1,704 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $457,000 | 3,008 |
| Total noninterest expense | $6,371,000 | 2,025 |
| Salaries and employee benefits | $3,777,000 | 1,730 |
| Premises and equipment expense | $716,000 | 2,682 |
| Additional noninterest expense | $1,878,000 | 2,217 |
| Pre-tax net operating income | $5,302,000 | 1,461 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,650,000 | 1,568 |
| Income before extraordinary items | $3,652,000 | 1,477 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,652,000 | 1,478 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $456,000 | 1,447 |
| Cash dividends | $981,000 | 2,241 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $3,652,000 | 1,442 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $14,960,000 | 2,252 |
| Total interest expense | $5,151,000 | 2,917 |
| Net interest income | $9,809,000 | 1,810 |
| Provision for loan and lease losses | $504,000 | 1,721 |
| Total noninterest income | $1,189,000 | 2,701 |
| Gross Fiduciary activities income | $253,000 | 913 |
| Service charges on deposit accounts | $582,000 | 2,333 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $354,000 | 3,670 |
| Total noninterest expense | $5,837,000 | 2,361 |
| Salaries and employee benefits | $3,393,000 | 1,943 |
| Premises and equipment expense | $682,000 | 2,871 |
| Additional noninterest expense | $1,762,000 | 2,750 |
| Pre-tax net operating income | $4,657,000 | 1,559 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $1,512,000 | 1,591 |
| Income before extraordinary items | $3,145,000 | 1,582 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $3,145,000 | 1,583 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 3,679 |
| Cash dividends | $790,000 | 2,540 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $3,145,000 | 1,549 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $14,092,000 | 2,382 |
| Total interest expense | $4,970,000 | 3,041 |
| Net interest income | $9,122,000 | 1,969 |
| Provision for loan and lease losses | $750,000 | 1,161 |
| Total noninterest income | $1,039,000 | 3,014 |
| Gross Fiduciary activities income | $207,000 | 995 |
| Service charges on deposit accounts | $515,000 | 2,630 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $317,000 | 3,876 |
| Total noninterest expense | $5,280,000 | 2,570 |
| Salaries and employee benefits | $2,945,000 | 2,242 |
| Premises and equipment expense | $558,000 | 3,420 |
| Additional noninterest expense | $1,777,000 | 2,658 |
| Pre-tax net operating income | $4,131,000 | 1,791 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $1,324,000 | 1,838 |
| Income before extraordinary items | $2,807,000 | 1,800 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,807,000 | 1,799 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $509,000 | 1,365 |
| Cash dividends | $627,000 | 2,837 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,807,000 | 1,776 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $11,907,000 | 2,543 |
| Total interest expense | $3,820,000 | 3,201 |
| Net interest income | $8,087,000 | 2,234 |
| Provision for loan and lease losses | $400,000 | 1,822 |
| Total noninterest income | $1,259,000 | 2,641 |
| Gross Fiduciary activities income | $192,000 | 1,026 |
| Service charges on deposit accounts | $495,000 | 2,774 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $572,000 | 2,685 |
| Total noninterest expense | $5,115,000 | 2,721 |
| Salaries and employee benefits | $2,654,000 | 2,517 |
| Premises and equipment expense | $606,000 | 3,241 |
| Additional noninterest expense | $1,855,000 | 2,746 |
| Pre-tax net operating income | $3,831,000 | 1,854 |
| Securities gains (losses) | $137,000 | 641 |
| Applicable income taxes | $1,257,000 | 1,814 |
| Income before extraordinary items | $2,711,000 | 1,797 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,711,000 | 1,796 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $333,000 | 1,787 |
| Cash dividends | $572,000 | 2,910 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,617,840 | 1,862 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $11,043,000 | 2,805 |
| Total interest expense | $3,671,000 | 3,425 |
| Net interest income | $7,372,000 | 2,433 |
| Provision for loan and lease losses | $475,000 | 2,177 |
| Total noninterest income | $1,410,000 | 2,564 |
| Gross Fiduciary activities income | $158,000 | 1,108 |
| Service charges on deposit accounts | $469,000 | 2,976 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $783,000 | 2,417 |
| Total noninterest expense | $4,708,000 | 2,999 |
| Salaries and employee benefits | $2,460,000 | 2,685 |
| Premises and equipment expense | $545,000 | 3,599 |
| Additional noninterest expense | $1,703,000 | 3,127 |
| Pre-tax net operating income | $3,599,000 | 1,896 |
| Securities gains (losses) | $27,000 | 4,244 |
| Applicable income taxes | $1,124,000 | 2,036 |
| Income before extraordinary items | $2,502,000 | 1,999 |
| Extraordinary gains, net | $62,000 | 2,002 |
| Net income | $2,564,000 | 2,024 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $126,000 | 4,062 |
| Cash dividends | $476,000 | 3,244 |
| Sale, conversion, retirement of capital stock, net | $2,532,000 | 305 |
| Net operating income | $2,483,370 | 1,896 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $11,591,000 | 3,031 |
| Total interest expense | $4,739,000 | 3,466 |
| Net interest income | $6,852,000 | 2,650 |
| Provision for loan and lease losses | $510,000 | 2,951 |
| Total noninterest income | $1,245,000 | 2,786 |
| Gross Fiduciary activities income | $113,000 | 1,224 |
| Service charges on deposit accounts | $429,000 | 3,258 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $703,000 | 2,536 |
| Total noninterest expense | $4,243,000 | 3,325 |
| Salaries and employee benefits | $2,220,000 | 2,911 |
| Premises and equipment expense | $536,000 | 3,741 |
| Additional noninterest expense | $1,487,000 | 3,633 |
| Pre-tax net operating income | $3,344,000 | 1,853 |
| Securities gains (losses) | $3,000 | 7,429 |
| Applicable income taxes | $1,018,000 | 2,077 |
| Income before extraordinary items | $2,329,000 | 1,970 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,329,000 | 2,001 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $347,000 | 3,073 |
| Cash dividends | $397,000 | 3,388 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,326,900 | 1,817 |
* 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.