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The Peoples National Bank, Income and Expense

1996-12-31 (YTD Data)Rank
Total interest income$2,871,0008,179
Total interest expense$1,326,0008,030
Net interest income$1,545,0008,157
Provision for loan and lease losses$120,0004,568
Total noninterest income$315,0006,771
Gross Fiduciary activities income$19,0001,354
Service charges on deposit accounts$199,0005,581
Trading account gains and fees$0262
Additional Noninterest Income$97,0007,219
Total noninterest expense$1,114,0008,283
Salaries and employee benefits$611,0008,061
Premises and equipment expense$182,0007,382
Additional noninterest expense$321,0008,661
Pre-tax net operating income$626,0007,286
Securities gains (losses)$04,148
Applicable income taxes$230,0006,711
Income before extraordinary items$396,0007,651
Extraordinary gains, net$053
Net income$396,0007,651
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-97,00011,211
Cash dividends$400,0003,860
Sale, conversion, retirement of capital stock, net$0953
Net operating income$396,0007,591
1995-12-31 (YTD Data)Rank
Total interest income$11,259,0002,957
Total interest expense$5,293,0002,880
Net interest income$5,966,0002,988
Provision for loan and lease losses$3,194,000423
Total noninterest income$1,183,0002,755
Gross Fiduciary activities income$61,0001,257
Service charges on deposit accounts$737,0001,840
Trading account gains and fees$0522
Additional Noninterest Income$385,0003,384
Total noninterest expense$5,368,0002,531
Salaries and employee benefits$2,532,0002,642
Premises and equipment expense$722,0002,727
Additional noninterest expense$2,114,0002,298
Pre-tax net operating income$-1,413,00011,904
Securities gains (losses)$2,0003,270
Applicable income taxes$-583,00011,878
Income before extraordinary items$-828,00011,850
Extraordinary gains, net$065
Net income$-828,00011,849
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,970,000573
Cash dividends$400,0003,839
Sale, conversion, retirement of capital stock, net$0809
Net operating income$-829,28011,840
1994-12-31 (YTD Data)Rank
Total interest income$11,089,0002,741
Total interest expense$4,405,0002,781
Net interest income$6,684,0002,714
Provision for loan and lease losses$1,342,000762
Total noninterest income$1,068,0002,970
Gross Fiduciary activities income$65,0001,262
Service charges on deposit accounts$723,0001,867
Trading account gains and fees$0475
Additional Noninterest Income$280,0004,293
Total noninterest expense$5,169,0002,682
Salaries and employee benefits$2,407,0002,755
Premises and equipment expense$678,0002,901
Additional noninterest expense$2,084,0002,487
Pre-tax net operating income$1,241,0005,113
Securities gains (losses)$4,0002,755
Applicable income taxes$401,0004,753
Income before extraordinary items$844,0005,150
Extraordinary gains, net$0249
Net income$844,0005,158
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,209,000775
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$841,2805,223
1993-12-31 (YTD Data)Rank
Total interest income$8,031,0003,801
Total interest expense$3,258,0003,835
Net interest income$4,773,0003,726
Provision for loan and lease losses$445,0002,287
Total noninterest income$542,0005,305
Gross Fiduciary activities income$55,0001,324
Service charges on deposit accounts$354,0003,838
Trading account gains and fees$0532
Additional Noninterest Income$133,0006,953
Total noninterest expense$2,967,0004,560
Salaries and employee benefits$1,584,0004,063
Premises and equipment expense$444,0004,310
Additional noninterest expense$939,0005,196
Pre-tax net operating income$1,903,0003,484
Securities gains (losses)$-17,00012,886
Applicable income taxes$592,0003,648
Income before extraordinary items$1,294,0003,728
Extraordinary gains, net$-66,00012,805
Net income$1,228,0004,025
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$389,0002,091
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$1,305,7303,504
1992-12-31 (YTD Data)Rank
Total interest income$8,364,0004,134
Total interest expense$3,928,0004,145
Net interest income$4,436,0004,052
Provision for loan and lease losses$011,756
Total noninterest income$413,0006,432
Gross Fiduciary activities income$36,0001,410
Service charges on deposit accounts$281,0004,682
Trading account gains and fees$0504
Additional Noninterest Income$96,0008,213
Total noninterest expense$2,718,0004,938
Salaries and employee benefits$1,454,0004,343
Premises and equipment expense$398,0004,812
Additional noninterest expense$866,0005,697
Pre-tax net operating income$2,131,0002,925
Securities gains (losses)$08,369
Applicable income taxes$731,0002,837
Income before extraordinary items$1,400,0003,276
Extraordinary gains, net$01,422
Net income$1,400,0003,317
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-96,00013,709
Cash dividends$1,076,0001,454
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$1,400,0003,040

* 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.