Home > West Kentucky Bank > Income and Expense
West Kentucky Bank, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $22,060,000 | 1,563 |
| Total interest expense | $14,123,000 | 1,229 |
| Net interest income | $7,937,000 | 2,247 |
| Provision for loan and lease losses | $5,341,000 | 306 |
| Total noninterest income | $1,225,000 | 2,714 |
| Gross Fiduciary activities income | $4,000 | 1,270 |
| Service charges on deposit accounts | $583,000 | 2,356 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $638,000 | 2,538 |
| Total noninterest expense | $5,671,000 | 2,417 |
| Salaries and employee benefits | $3,390,000 | 2,109 |
| Premises and equipment expense | $768,000 | 2,671 |
| Additional noninterest expense | $1,513,000 | 2,794 |
| Pre-tax net operating income | $-1,850,000 | 9,814 |
| Securities gains (losses) | $6,000 | 1,308 |
| Applicable income taxes | $-799,000 | 9,831 |
| Income before extraordinary items | $-1,045,000 | 9,736 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-1,045,000 | 9,735 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $289,000 | 1,869 |
| Cash dividends | $532,000 | 3,441 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-1,048,840 | 9,743 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $20,675,000 | 1,578 |
| Total interest expense | $12,892,000 | 1,180 |
| Net interest income | $7,783,000 | 2,263 |
| Provision for loan and lease losses | $260,000 | 2,969 |
| Total noninterest income | $1,201,000 | 2,685 |
| Gross Fiduciary activities income | $4,000 | 1,311 |
| Service charges on deposit accounts | $486,000 | 2,700 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $711,000 | 2,352 |
| Total noninterest expense | $5,841,000 | 2,332 |
| Salaries and employee benefits | $3,442,000 | 2,038 |
| Premises and equipment expense | $803,000 | 2,534 |
| Additional noninterest expense | $1,596,000 | 2,711 |
| Pre-tax net operating income | $2,883,000 | 2,501 |
| Securities gains (losses) | $-21,000 | 9,563 |
| Applicable income taxes | $602,000 | 3,212 |
| Income before extraordinary items | $2,260,000 | 2,303 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,260,000 | 2,304 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $213,000 | 2,302 |
| Cash dividends | $321,000 | 4,385 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,276,590 | 2,266 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $18,931,000 | 1,714 |
| Total interest expense | $12,654,000 | 1,232 |
| Net interest income | $6,277,000 | 2,732 |
| Provision for loan and lease losses | $180,000 | 3,728 |
| Total noninterest income | $833,000 | 3,514 |
| Gross Fiduciary activities income | $32,000 | 1,176 |
| Service charges on deposit accounts | $373,000 | 3,327 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $428,000 | 3,289 |
| Total noninterest expense | $4,742,000 | 2,743 |
| Salaries and employee benefits | $3,056,000 | 2,213 |
| Premises and equipment expense | $550,000 | 3,426 |
| Additional noninterest expense | $1,136,000 | 3,530 |
| Pre-tax net operating income | $2,188,000 | 3,095 |
| Securities gains (losses) | $107,000 | 1,228 |
| Applicable income taxes | $495,000 | 3,862 |
| Income before extraordinary items | $1,800,000 | 2,792 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,800,000 | 2,793 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $130,000 | 3,185 |
| Cash dividends | $315,000 | 4,443 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,716,540 | 2,820 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $16,868,000 | 1,954 |
| Total interest expense | $10,835,000 | 1,442 |
| Net interest income | $6,033,000 | 2,896 |
| Provision for loan and lease losses | $165,000 | 3,914 |
| Total noninterest income | $482,000 | 5,119 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $285,000 | 4,238 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $197,000 | 4,992 |
| Total noninterest expense | $4,043,000 | 3,144 |
| Salaries and employee benefits | $2,383,000 | 2,775 |
| Premises and equipment expense | $444,000 | 4,085 |
| Additional noninterest expense | $1,216,000 | 3,319 |
| Pre-tax net operating income | $2,307,000 | 3,116 |
| Securities gains (losses) | $165,000 | 797 |
| Applicable income taxes | $627,000 | 3,545 |
| Income before extraordinary items | $1,845,000 | 2,773 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,845,000 | 2,772 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 3,707 |
| Cash dividends | $300,000 | 4,516 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,721,250 | 2,902 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $13,635,000 | 2,447 |
| Total interest expense | $8,389,000 | 1,877 |
| Net interest income | $5,246,000 | 3,383 |
| Provision for loan and lease losses | $279,000 | 2,747 |
| Total noninterest income | $454,000 | 5,510 |
| Gross Fiduciary activities income | $10,000 | 1,405 |
| Service charges on deposit accounts | $289,000 | 4,340 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $155,000 | 5,886 |
| Total noninterest expense | $3,130,000 | 4,175 |
| Salaries and employee benefits | $1,797,000 | 3,673 |
| Premises and equipment expense | $456,000 | 4,065 |
| Additional noninterest expense | $877,000 | 4,852 |
| Pre-tax net operating income | $2,291,000 | 3,046 |
| Securities gains (losses) | $-123,000 | 11,242 |
| Applicable income taxes | $510,000 | 4,089 |
| Income before extraordinary items | $1,658,000 | 2,909 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,658,000 | 2,910 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $234,000 | 2,436 |
| Cash dividends | $300,000 | 4,471 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,751,480 | 2,734 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $11,949,000 | 2,796 |
| Total interest expense | $7,289,000 | 2,134 |
| Net interest income | $4,660,000 | 3,765 |
| Provision for loan and lease losses | $229,000 | 2,769 |
| Total noninterest income | $386,000 | 6,119 |
| Gross Fiduciary activities income | $1,000 | 1,568 |
| Service charges on deposit accounts | $247,000 | 4,995 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $138,000 | 6,215 |
| Total noninterest expense | $2,939,000 | 4,372 |
| Salaries and employee benefits | $1,674,000 | 3,871 |
| Premises and equipment expense | $466,000 | 3,985 |
| Additional noninterest expense | $799,000 | 5,261 |
| Pre-tax net operating income | $1,878,000 | 3,695 |
| Securities gains (losses) | $-10,000 | 10,097 |
| Applicable income taxes | $394,000 | 5,002 |
| Income before extraordinary items | $1,474,000 | 3,294 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,474,000 | 3,293 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 3,551 |
| Cash dividends | $300,000 | 4,483 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,481,900 | 3,260 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $9,746,000 | 3,102 |
| Total interest expense | $5,360,000 | 2,310 |
| Net interest income | $4,386,000 | 4,010 |
| Provision for loan and lease losses | $324,000 | 2,141 |
| Total noninterest income | $336,000 | 6,833 |
| Gross Fiduciary activities income | $1,000 | 1,574 |
| Service charges on deposit accounts | $188,000 | 6,107 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $147,000 | 6,264 |
| Total noninterest expense | $3,037,000 | 4,360 |
| Salaries and employee benefits | $1,593,000 | 4,065 |
| Premises and equipment expense | $550,000 | 3,511 |
| Additional noninterest expense | $894,000 | 5,195 |
| Pre-tax net operating income | $1,361,000 | 4,764 |
| Securities gains (losses) | $16,000 | 1,924 |
| Applicable income taxes | $248,000 | 6,570 |
| Income before extraordinary items | $1,129,000 | 4,084 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,129,000 | 4,085 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $215,000 | 2,367 |
| Cash dividends | $210,000 | 5,320 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,115,880 | 4,158 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $9,321,000 | 3,315 |
| Total interest expense | $4,770,000 | 2,697 |
| Net interest income | $4,551,000 | 3,895 |
| Provision for loan and lease losses | $260,000 | 3,299 |
| Total noninterest income | $323,000 | 7,346 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $189,000 | 6,185 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $134,000 | 6,930 |
| Total noninterest expense | $2,986,000 | 4,531 |
| Salaries and employee benefits | $1,510,000 | 4,247 |
| Premises and equipment expense | $584,000 | 3,414 |
| Additional noninterest expense | $892,000 | 5,410 |
| Pre-tax net operating income | $1,628,000 | 4,028 |
| Securities gains (losses) | $8,000 | 5,699 |
| Applicable income taxes | $323,000 | 5,803 |
| Income before extraordinary items | $1,313,000 | 3,675 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,313,000 | 3,787 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $203,000 | 3,116 |
| Cash dividends | $200,000 | 5,372 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,306,600 | 3,502 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $9,509,000 | 3,669 |
| Total interest expense | $5,168,000 | 3,220 |
| Net interest income | $4,341,000 | 4,138 |
| Provision for loan and lease losses | $736,000 | 2,286 |
| Total noninterest income | $373,000 | 6,807 |
| Gross Fiduciary activities income | $33,000 | 1,424 |
| Service charges on deposit accounts | $179,000 | 6,422 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $161,000 | 6,391 |
| Total noninterest expense | $2,591,000 | 5,143 |
| Salaries and employee benefits | $1,406,000 | 4,480 |
| Premises and equipment expense | $523,000 | 3,818 |
| Additional noninterest expense | $662,000 | 7,017 |
| Pre-tax net operating income | $1,387,000 | 4,350 |
| Securities gains (losses) | $37,000 | 4,622 |
| Applicable income taxes | $279,000 | 6,238 |
| Income before extraordinary items | $1,145,000 | 3,977 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,145,000 | 4,020 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $705,000 | 1,967 |
| Cash dividends | $125,000 | 6,110 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,115,400 | 3,774 |
* 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.