Home > The Peoples State Bank > Income and Expense
The Peoples State Bank, Income and Expense
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,133,000 | 5,327 |
| Total interest expense | $544,000 | 4,084 |
| Net interest income | $589,000 | 6,112 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $99,000 | 5,941 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $64,000 | 4,593 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $35,000 | 5,938 |
| Total noninterest expense | $567,000 | 5,539 |
| Salaries and employee benefits | $245,000 | 6,326 |
| Premises and equipment expense | $58,000 | 6,382 |
| Additional noninterest expense | $264,000 | 4,045 |
| Pre-tax net operating income | $121,000 | 6,881 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $121,000 | 6,534 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $121,000 | 6,533 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-26,000 | 8,953 |
| Cash dividends | $100,000 | 2,874 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $121,000 | 6,364 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,361,000 | 4,930 |
| Total interest expense | $2,770,000 | 3,773 |
| Net interest income | $2,591,000 | 5,789 |
| Provision for loan and lease losses | $500,000 | 2,369 |
| Total noninterest income | $386,000 | 5,865 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $320,000 | 4,091 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $66,000 | 7,179 |
| Total noninterest expense | $2,150,000 | 5,607 |
| Salaries and employee benefits | $1,140,000 | 5,670 |
| Premises and equipment expense | $227,000 | 6,428 |
| Additional noninterest expense | $783,000 | 5,003 |
| Pre-tax net operating income | $327,000 | 7,452 |
| Securities gains (losses) | $-9,000 | 8,892 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $318,000 | 7,232 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $318,000 | 7,231 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $804,000 | 1,155 |
| Cash dividends | $208,000 | 4,843 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $327,000 | 7,089 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,357,000 | 5,375 |
| Total interest expense | $3,251,000 | 4,440 |
| Net interest income | $2,106,000 | 6,273 |
| Provision for loan and lease losses | $1,995,000 | 712 |
| Total noninterest income | $325,000 | 6,202 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $215,000 | 4,997 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $110,000 | 6,201 |
| Total noninterest expense | $1,670,000 | 6,412 |
| Salaries and employee benefits | $920,000 | 6,281 |
| Premises and equipment expense | $205,000 | 6,718 |
| Additional noninterest expense | $545,000 | 6,185 |
| Pre-tax net operating income | $-1,234,000 | 9,416 |
| Securities gains (losses) | $117,000 | 1,622 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-1,117,000 | 9,444 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-1,117,000 | 9,445 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $635,000 | 1,306 |
| Cash dividends | $473,000 | 3,578 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-1,234,000 | 9,430 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,371,000 | 6,189 |
| Total interest expense | $2,620,000 | 5,398 |
| Net interest income | $1,751,000 | 7,008 |
| Provision for loan and lease losses | $145,000 | 4,470 |
| Total noninterest income | $258,000 | 6,690 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $181,000 | 5,339 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $77,000 | 6,989 |
| Total noninterest expense | $1,268,000 | 7,328 |
| Salaries and employee benefits | $672,000 | 7,325 |
| Premises and equipment expense | $196,000 | 6,833 |
| Additional noninterest expense | $400,000 | 7,148 |
| Pre-tax net operating income | $596,000 | 6,603 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $596,000 | 5,869 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $596,000 | 5,867 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $103,000 | 3,525 |
| Cash dividends | $245,000 | 4,813 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $596,000 | 5,882 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,160,000 | 7,194 |
| Total interest expense | $1,740,000 | 6,478 |
| Net interest income | $1,420,000 | 7,746 |
| Provision for loan and lease losses | $147,000 | 4,324 |
| Total noninterest income | $239,000 | 7,055 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $136,000 | 6,068 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $103,000 | 6,553 |
| Total noninterest expense | $959,000 | 8,238 |
| Salaries and employee benefits | $516,000 | 8,256 |
| Premises and equipment expense | $128,000 | 8,069 |
| Additional noninterest expense | $315,000 | 8,009 |
| Pre-tax net operating income | $553,000 | 6,893 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $553,000 | 6,140 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $553,000 | 6,136 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 4,024 |
| Cash dividends | $295,000 | 4,610 |
| Sale, conversion, retirement of capital stock, net | $310,000 | 672 |
| Net operating income | $553,000 | 6,121 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,611,000 | 7,968 |
| Total interest expense | $1,442,000 | 7,320 |
| Net interest income | $1,169,000 | 8,399 |
| Provision for loan and lease losses | $35,000 | 7,178 |
| Total noninterest income | $195,000 | 7,643 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $107,000 | 6,731 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $88,000 | 6,932 |
| Total noninterest expense | $804,000 | 8,768 |
| Salaries and employee benefits | $427,000 | 8,793 |
| Premises and equipment expense | $104,000 | 8,619 |
| Additional noninterest expense | $273,000 | 8,378 |
| Pre-tax net operating income | $525,000 | 7,249 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $5,000 | 9,206 |
| Income before extraordinary items | $520,000 | 6,485 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $520,000 | 6,484 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 4,916 |
| Cash dividends | $170,000 | 5,622 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $520,000 | 6,374 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,307,000 | 8,621 |
| Total interest expense | $1,254,000 | 7,971 |
| Net interest income | $1,053,000 | 9,058 |
| Provision for loan and lease losses | $102,000 | 5,114 |
| Total noninterest income | $142,000 | 8,714 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $102,000 | 7,160 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $40,000 | 8,870 |
| Total noninterest expense | $621,000 | 9,673 |
| Salaries and employee benefits | $317,000 | 9,830 |
| Premises and equipment expense | $63,000 | 9,881 |
| Additional noninterest expense | $241,000 | 8,955 |
| Pre-tax net operating income | $472,000 | 8,078 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $14,000 | 9,835 |
| Income before extraordinary items | $458,000 | 7,245 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $458,000 | 7,248 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,735 |
| Cash dividends | $339,000 | 4,310 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $458,000 | 7,191 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,885,000 | 9,527 |
| Total interest expense | $1,057,000 | 8,829 |
| Net interest income | $828,000 | 10,038 |
| Provision for loan and lease losses | $20,000 | 7,945 |
| Total noninterest income | $173,000 | 8,643 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $107,000 | 7,351 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $66,000 | 8,243 |
| Total noninterest expense | $518,000 | 10,512 |
| Salaries and employee benefits | $266,000 | 10,612 |
| Premises and equipment expense | $59,000 | 10,387 |
| Additional noninterest expense | $193,000 | 10,016 |
| Pre-tax net operating income | $463,000 | 8,148 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $139,000 | 8,045 |
| Income before extraordinary items | $324,000 | 8,222 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $324,000 | 8,221 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-21,000 | 10,715 |
| Cash dividends | $37,000 | 7,760 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $324,000 | 8,158 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,505,000 | 10,518 |
| Total interest expense | $838,000 | 9,829 |
| Net interest income | $667,000 | 10,930 |
| Provision for loan and lease losses | $20,000 | 7,637 |
| Total noninterest income | $124,000 | 9,779 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $76,000 | 8,422 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $48,000 | 9,325 |
| Total noninterest expense | $485,000 | 11,082 |
| Salaries and employee benefits | $215,000 | 11,399 |
| Premises and equipment expense | $51,000 | 11,056 |
| Additional noninterest expense | $219,000 | 10,198 |
| Pre-tax net operating income | $286,000 | 9,853 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $88,000 | 9,430 |
| Income before extraordinary items | $198,000 | 9,951 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $198,000 | 9,956 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 4,677 |
| Cash dividends | $36,000 | 8,073 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $198,000 | 9,921 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,139,000 | 11,460 |
| Total interest expense | $521,000 | 11,004 |
| Net interest income | $618,000 | 11,651 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $109,000 | 10,543 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $71,000 | 8,971 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $38,000 | 10,284 |
| Total noninterest expense | $492,000 | 11,652 |
| Salaries and employee benefits | $231,000 | 11,831 |
| Premises and equipment expense | $45,000 | 11,810 |
| Additional noninterest expense | $216,000 | 10,940 |
| Pre-tax net operating income | $235,000 | 10,622 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $80,000 | 9,807 |
| Income before extraordinary items | $155,000 | 10,754 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $155,000 | 10,759 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 6,150 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $155,000 | 10,802 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,102,000 | 12,084 |
| Total interest expense | $561,000 | 11,361 |
| Net interest income | $541,000 | 12,425 |
| Provision for loan and lease losses | $4,000 | 10,179 |
| Total noninterest income | $91,000 | 11,541 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $65,000 | 9,505 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $26,000 | 11,580 |
| Total noninterest expense | $430,000 | 12,508 |
| Salaries and employee benefits | $187,000 | 12,734 |
| Premises and equipment expense | $47,000 | 12,313 |
| Additional noninterest expense | $196,000 | 11,788 |
| Pre-tax net operating income | $198,000 | 11,058 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $75,000 | 10,332 |
| Income before extraordinary items | $123,000 | 11,542 |
| Extraordinary gains, net | $25,000 | 2,588 |
| Net income | $148,000 | 11,308 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 7,153 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $123,000 | 11,327 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,193,000 | 12,618 |
| Total interest expense | $668,000 | 11,975 |
| Net interest income | $525,000 | 12,989 |
| Provision for loan and lease losses | $111,000 | 6,992 |
| Total noninterest income | $96,000 | 11,835 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $72,000 | 9,486 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $24,000 | 12,236 |
| Total noninterest expense | $426,000 | 13,040 |
| Salaries and employee benefits | $179,000 | 13,330 |
| Premises and equipment expense | $46,000 | 12,842 |
| Additional noninterest expense | $201,000 | 12,223 |
| Pre-tax net operating income | $84,000 | 12,172 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $84,000 | 12,161 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $84,000 | 12,206 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $138,000 | 5,100 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $84,000 | 11,866 |
* 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.