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Capitol Thrift and Loan Association, Income and Expense

2001-12-31 (YTD Data)Rank
Total interest income$11,493,0002,948
Total interest expense$6,290,0002,542
Net interest income$5,203,0003,330
Provision for loan and lease losses$79,0006,023
Total noninterest income$1,267,0002,829
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$4,0008,325
Trading account gains and fees$0177
Additional Noninterest Income$1,263,0001,733
Total noninterest expense$4,275,0003,229
Salaries and employee benefits$2,247,0003,265
Premises and equipment expense$542,0003,647
Additional noninterest expense$1,486,0002,895
Pre-tax net operating income$2,116,0003,040
Securities gains (losses)$04,612
Applicable income taxes$744,0002,558
Income before extraordinary items$1,372,0003,452
Extraordinary gains, net$0105
Net income$1,372,0003,456
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$29,0005,877
Cash dividends$1,600,0001,570
Sale, conversion, retirement of capital stock, net$0922
Net operating income$1,372,0003,353
2000-12-31 (YTD Data)Rank
Total interest income$8,676,0003,860
Total interest expense$4,777,0003,455
Net interest income$3,899,0004,269
Provision for loan and lease losses$4,0008,198
Total noninterest income$273,0006,540
Gross Fiduciary activities income$01,332
Service charges on deposit accounts$08,617
Trading account gains and fees$0180
Additional Noninterest Income$273,0004,120
Total noninterest expense$2,461,0004,914
Salaries and employee benefits$1,480,0004,404
Premises and equipment expense$393,0004,562
Additional noninterest expense$588,0005,868
Pre-tax net operating income$1,707,0003,699
Securities gains (losses)$01,956
Applicable income taxes$677,0002,865
Income before extraordinary items$1,030,0004,295
Extraordinary gains, net$038
Net income$1,030,0004,299
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$4,0007,122
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$0969
Net operating income$1,030,0004,302
1999-12-31 (YTD Data)Rank
Total interest income$11,682,0002,775
Total interest expense$5,671,0002,598
Net interest income$6,011,0002,930
Provision for loan and lease losses$506,0001,746
Total noninterest income$1,263,0002,606
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$08,885
Trading account gains and fees$0173
Additional Noninterest Income$1,263,0001,576
Total noninterest expense$4,724,0002,860
Salaries and employee benefits$2,185,0003,160
Premises and equipment expense$748,0002,714
Additional noninterest expense$1,791,0002,430
Pre-tax net operating income$2,044,0003,290
Securities gains (losses)$03,155
Applicable income taxes$660,0003,018
Income before extraordinary items$1,384,0003,455
Extraordinary gains, net$035
Net income$1,384,0003,455
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$189,0002,487
Cash dividends$134,0005,789
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$1,384,0003,422
1998-12-31 (YTD Data)Rank
Total interest income$13,053,0002,501
Total interest expense$6,901,0002,193
Net interest income$6,152,0002,791
Provision for loan and lease losses$226,0003,255
Total noninterest income$1,258,0002,593
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$09,085
Trading account gains and fees$0224
Additional Noninterest Income$1,258,0001,579
Total noninterest expense$5,389,0002,419
Salaries and employee benefits$2,209,0003,034
Premises and equipment expense$732,0002,666
Additional noninterest expense$2,448,0001,742
Pre-tax net operating income$1,795,0003,638
Securities gains (losses)$04,449
Applicable income taxes$692,0003,061
Income before extraordinary items$1,103,0004,172
Extraordinary gains, net$032
Net income$1,103,0004,171
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$104,0003,584
Cash dividends$336,0004,336
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$1,103,0004,088
1997-12-31 (YTD Data)Rank
Total interest income$12,095,0002,705
Total interest expense$6,514,0002,305
Net interest income$5,581,0003,141
Provision for loan and lease losses$416,0002,041
Total noninterest income$481,0005,125
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$09,486
Trading account gains and fees$0239
Additional Noninterest Income$481,0002,901
Total noninterest expense$4,670,0002,733
Salaries and employee benefits$2,268,0002,920
Premises and equipment expense$729,0002,637
Additional noninterest expense$1,673,0002,465
Pre-tax net operating income$976,0005,907
Securities gains (losses)$03,944
Applicable income taxes$346,0005,349
Income before extraordinary items$630,0006,211
Extraordinary gains, net$044
Net income$630,0006,212
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$467,0001,412
Cash dividends$250,0004,919
Sale, conversion, retirement of capital stock, net$100,000764
Net operating income$630,0006,159
1996-12-31 (YTD Data)Rank
Total interest income$10,862,0003,030
Total interest expense$5,658,0002,686
Net interest income$5,204,0003,418
Provision for loan and lease losses$221,0003,191
Total noninterest income$329,0006,621
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$09,915
Trading account gains and feesNANA
Additional Noninterest Income$329,0003,851
Total noninterest expense$3,997,0003,349
Salaries and employee benefits$2,253,0002,967
Premises and equipment expense$736,0002,657
Additional noninterest expense$1,008,0004,382
Pre-tax net operating income$1,315,0004,799
Securities gains (losses)$04,148
Applicable income taxes$499,0004,154
Income before extraordinary items$816,0005,232
Extraordinary gains, net$053
Net income$816,0005,232
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$28,0006,265
Cash dividends$138,0006,200
Sale, conversion, retirement of capital stock, net$0953
Net operating income$816,0005,168
1995-12-31 (YTD Data)Rank
Total interest income$9,207,0003,549
Total interest expense$4,612,0003,248
Net interest income$4,595,0003,829
Provision for loan and lease losses$-58,00011,619
Total noninterest income$386,0006,119
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$010,339
Trading account gains and feesNANA
Additional Noninterest Income$386,0003,379
Total noninterest expense$5,019,0002,704
Salaries and employee benefits$2,598,0002,569
Premises and equipment expense$816,0002,443
Additional noninterest expense$1,605,0002,915
Pre-tax net operating income$20,00011,419
Securities gains (losses)$03,831
Applicable income taxes$8,00010,968
Income before extraordinary items$12,00011,458
Extraordinary gains, net$065
Net income$12,00011,455
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$165,0002,827
Cash dividends$79,0007,221
Sale, conversion, retirement of capital stock, net$0809
Net operating income$12,00011,426
1994-12-31 (YTD Data)Rank
Total interest income$8,895,0003,370
Total interest expense$3,137,0003,796
Net interest income$5,758,0003,109
Provision for loan and lease losses$-287,00012,386
Total noninterest income$405,0006,105
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$010,872
Trading account gains and feesNANA
Additional Noninterest Income$405,0003,377
Total noninterest expense$4,757,0002,899
Salaries and employee benefits$2,644,0002,527
Premises and equipment expense$849,0002,387
Additional noninterest expense$1,264,0003,870
Pre-tax net operating income$1,693,0003,975
Securities gains (losses)$03,600
Applicable income taxes$693,0003,115
Income before extraordinary items$1,000,0004,552
Extraordinary gains, net$0249
Net income$1,000,0004,553
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$198,0002,513
Cash dividends$275,0004,709
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,000,0004,587
1993-12-31 (YTD Data)Rank
Total interest income$10,059,0003,069
Total interest expense$3,806,0003,308
Net interest income$6,253,0002,915
Provision for loan and lease losses$-26,00012,628
Total noninterest income$617,0004,867
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$011,351
Trading account gains and feesNANA
Additional Noninterest Income$617,0002,833
Total noninterest expense$4,877,0002,914
Salaries and employee benefits$2,653,0002,502
Premises and equipment expense$859,0002,380
Additional noninterest expense$1,365,0003,790
Pre-tax net operating income$2,019,0003,280
Securities gains (losses)$07,477
Applicable income taxes$658,0003,310
Income before extraordinary items$1,361,0003,557
Extraordinary gains, net$03,149
Net income$1,361,0003,667
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-63,00012,772
Cash dividends$236,0005,058
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$1,361,0003,359
1992-12-31 (YTD Data)Rank
Total interest income$11,224,0003,125
Total interest expense$4,604,0003,567
Net interest income$6,620,0002,767
Provision for loan and lease losses$-7,00013,457
Total noninterest income$608,0004,911
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$011,764
Trading account gains and feesNANA
Additional Noninterest Income$608,0002,808
Total noninterest expense$4,773,0002,996
Salaries and employee benefits$2,560,0002,525
Premises and equipment expense$1,030,0002,040
Additional noninterest expense$1,183,0004,385
Pre-tax net operating income$2,462,0002,530
Securities gains (losses)$08,369
Applicable income taxes$1,062,0002,004
Income before extraordinary items$1,400,0003,276
Extraordinary gains, net$01,422
Net income$1,400,0003,317
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-58,00013,550
Cash dividends$164,0005,562
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.