Home > The Peoples National Bank of Rural Valley > Income and Expense
The Peoples National Bank of Rural Valley, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,386,000 | 8,534 |
| Total interest expense | $963,000 | 8,796 |
| Net interest income | $1,423,000 | 8,177 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $85,000 | 9,672 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $42,000 | 8,616 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $43,000 | 8,733 |
| Total noninterest expense | $699,000 | 9,404 |
| Salaries and employee benefits | $314,000 | 9,852 |
| Premises and equipment expense | $72,000 | 9,646 |
| Additional noninterest expense | $313,000 | 8,195 |
| Pre-tax net operating income | $809,000 | 6,509 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $215,000 | 6,682 |
| Income before extraordinary items | $594,000 | 6,406 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $594,000 | 6,406 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,548 |
| Cash dividends | $320,000 | 4,410 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $594,000 | 6,353 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,341,000 | 8,917 |
| Total interest expense | $932,000 | 9,231 |
| Net interest income | $1,409,000 | 8,492 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $93,000 | 10,021 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $46,000 | 8,952 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $47,000 | 9,021 |
| Total noninterest expense | $653,000 | 9,981 |
| Salaries and employee benefits | $304,000 | 10,315 |
| Premises and equipment expense | $59,000 | 10,387 |
| Additional noninterest expense | $290,000 | 8,984 |
| Pre-tax net operating income | $849,000 | 6,299 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $213,000 | 6,931 |
| Income before extraordinary items | $636,000 | 6,060 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $636,000 | 6,062 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,612 |
| Cash dividends | $240,000 | 5,056 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $636,000 | 5,995 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,307,000 | 9,245 |
| Total interest expense | $934,000 | 9,486 |
| Net interest income | $1,373,000 | 8,863 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $81,000 | 10,708 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $45,000 | 9,404 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $36,000 | 9,923 |
| Total noninterest expense | $692,000 | 10,217 |
| Salaries and employee benefits | $297,000 | 10,774 |
| Premises and equipment expense | $75,000 | 10,348 |
| Additional noninterest expense | $320,000 | 9,033 |
| Pre-tax net operating income | $762,000 | 6,995 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $189,000 | 7,616 |
| Income before extraordinary items | $573,000 | 6,766 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $573,000 | 6,765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,657 |
| Cash dividends | $200,000 | 5,441 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $573,000 | 6,745 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,198,000 | 9,432 |
| Total interest expense | $838,000 | 9,402 |
| Net interest income | $1,360,000 | 9,287 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $73,000 | 11,417 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $38,000 | 10,098 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $35,000 | 10,473 |
| Total noninterest expense | $671,000 | 10,825 |
| Salaries and employee benefits | $288,000 | 11,318 |
| Premises and equipment expense | $51,000 | 11,600 |
| Additional noninterest expense | $332,000 | 9,579 |
| Pre-tax net operating income | $762,000 | 7,069 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $174,000 | 7,835 |
| Income before extraordinary items | $588,000 | 6,632 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $588,000 | 6,646 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,704 |
| Cash dividends | $160,000 | 5,924 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $588,000 | 6,692 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,250,000 | 9,672 |
| Total interest expense | $946,000 | 9,350 |
| Net interest income | $1,304,000 | 9,714 |
| Provision for loan and lease losses | $70,000 | 6,634 |
| Total noninterest income | $78,000 | 11,857 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $42,000 | 10,341 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $36,000 | 10,920 |
| Total noninterest expense | $674,000 | 11,290 |
| Salaries and employee benefits | $266,000 | 12,017 |
| Premises and equipment expense | $62,000 | 11,775 |
| Additional noninterest expense | $346,000 | 9,890 |
| Pre-tax net operating income | $638,000 | 7,701 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $136,000 | 8,950 |
| Income before extraordinary items | $502,000 | 7,534 |
| Extraordinary gains, net | $30,000 | 2,491 |
| Net income | $532,000 | 7,463 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 6,983 |
| Cash dividends | $144,000 | 6,205 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $502,000 | 7,283 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,257,000 | 10,369 |
| Total interest expense | $1,074,000 | 10,071 |
| Net interest income | $1,183,000 | 10,385 |
| Provision for loan and lease losses | $21,000 | 10,525 |
| Total noninterest income | $69,000 | 12,585 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $40,000 | 10,701 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $29,000 | 11,840 |
| Total noninterest expense | $629,000 | 11,887 |
| Salaries and employee benefits | $267,000 | 12,397 |
| Premises and equipment expense | $62,000 | 12,181 |
| Additional noninterest expense | $300,000 | 10,820 |
| Pre-tax net operating income | $602,000 | 7,705 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $138,000 | 8,935 |
| Income before extraordinary items | $464,000 | 7,627 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $464,000 | 7,735 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 9,186 |
| Cash dividends | $128,000 | 6,074 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $464,000 | 7,272 |
* 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.