Home > The Citizens' National Bank of Ashland > Income and Expense
The Citizens' National Bank of Ashland, Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,333,000 | 6,638 |
| Total interest expense | $1,834,000 | 6,824 |
| Net interest income | $2,499,000 | 6,329 |
| Provision for loan and lease losses | $16,000 | 7,905 |
| Total noninterest income | $197,000 | 8,478 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $77,000 | 8,390 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $120,000 | 6,653 |
| Total noninterest expense | $2,181,000 | 5,600 |
| Salaries and employee benefits | $987,000 | 6,133 |
| Premises and equipment expense | $249,000 | 6,364 |
| Additional noninterest expense | $945,000 | 4,565 |
| Pre-tax net operating income | $499,000 | 8,441 |
| Securities gains (losses) | $3,000 | 3,092 |
| Applicable income taxes | $113,000 | 8,910 |
| Income before extraordinary items | $389,000 | 8,165 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $389,000 | 8,165 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $410,000 | 3,790 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $386,690 | 8,153 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,231,000 | 6,442 |
| Total interest expense | $1,590,000 | 6,624 |
| Net interest income | $2,641,000 | 6,190 |
| Provision for loan and lease losses | $50,000 | 6,087 |
| Total noninterest income | $141,000 | 9,885 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $74,000 | 8,860 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $67,000 | 8,779 |
| Total noninterest expense | $1,727,000 | 6,912 |
| Salaries and employee benefits | $871,000 | 6,809 |
| Premises and equipment expense | $199,000 | 7,444 |
| Additional noninterest expense | $657,000 | 6,627 |
| Pre-tax net operating income | $1,005,000 | 5,934 |
| Securities gains (losses) | $1,000 | 3,293 |
| Applicable income taxes | $174,000 | 7,835 |
| Income before extraordinary items | $832,000 | 5,201 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $832,000 | 5,209 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 4,906 |
| Cash dividends | $410,000 | 3,638 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $831,170 | 5,262 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,475,000 | 6,331 |
| Total interest expense | $1,760,000 | 6,449 |
| Net interest income | $2,715,000 | 6,140 |
| Provision for loan and lease losses | $230,000 | 3,613 |
| Total noninterest income | $132,000 | 10,584 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $68,000 | 9,406 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $64,000 | 9,332 |
| Total noninterest expense | $1,681,000 | 7,249 |
| Salaries and employee benefits | $809,000 | 7,265 |
| Premises and equipment expense | $195,000 | 7,784 |
| Additional noninterest expense | $677,000 | 6,728 |
| Pre-tax net operating income | $936,000 | 6,187 |
| Securities gains (losses) | $1,000 | 7,052 |
| Applicable income taxes | $165,000 | 8,309 |
| Income before extraordinary items | $772,000 | 5,718 |
| Extraordinary gains, net | $75,000 | 1,837 |
| Net income | $847,000 | 5,466 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $249,000 | 2,750 |
| Cash dividends | $410,000 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $771,180 | 5,479 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,046,000 | 6,342 |
| Total interest expense | $2,244,000 | 6,524 |
| Net interest income | $2,802,000 | 6,047 |
| Provision for loan and lease losses | $175,000 | 5,648 |
| Total noninterest income | $127,000 | 11,002 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $58,000 | 9,997 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $69,000 | 9,328 |
| Total noninterest expense | $1,702,000 | 7,260 |
| Salaries and employee benefits | $766,000 | 7,490 |
| Premises and equipment expense | $205,000 | 7,717 |
| Additional noninterest expense | $731,000 | 6,544 |
| Pre-tax net operating income | $1,052,000 | 5,433 |
| Securities gains (losses) | $3,000 | 7,429 |
| Applicable income taxes | $210,000 | 7,363 |
| Income before extraordinary items | $845,000 | 5,132 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $845,000 | 5,192 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $141,000 | 5,042 |
| Cash dividends | $400,000 | 3,284 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $842,600 | 4,849 |
* 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.