Home > Cenit Bank > Income and Expense
Cenit Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $14,044,000 | 2,326 |
| Total interest expense | $7,127,000 | 2,121 |
| Net interest income | $6,917,000 | 2,508 |
| Provision for loan and lease losses | $195,000 | 3,507 |
| Total noninterest income | $1,310,000 | 2,444 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $819,000 | 1,590 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $491,000 | 2,861 |
| Total noninterest expense | $4,389,000 | 2,887 |
| Salaries and employee benefits | $1,116,000 | 5,404 |
| Premises and equipment expense | $982,000 | 2,017 |
| Additional noninterest expense | $2,291,000 | 1,854 |
| Pre-tax net operating income | $3,643,000 | 2,064 |
| Securities gains (losses) | $12,000 | 2,240 |
| Applicable income taxes | $1,233,000 | 2,020 |
| Income before extraordinary items | $2,422,000 | 2,175 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,422,000 | 2,174 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $214,000 | 2,440 |
| Cash dividends | $2,205,000 | 1,197 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,414,080 | 2,125 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $13,285,000 | 2,511 |
| Total interest expense | $7,068,000 | 2,197 |
| Net interest income | $6,217,000 | 2,859 |
| Provision for loan and lease losses | $258,000 | 2,889 |
| Total noninterest income | $861,000 | 3,501 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $607,000 | 2,229 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $254,000 | 4,489 |
| Total noninterest expense | $4,195,000 | 3,204 |
| Salaries and employee benefits | $1,374,000 | 4,654 |
| Premises and equipment expense | $914,000 | 2,177 |
| Additional noninterest expense | $1,907,000 | 2,569 |
| Pre-tax net operating income | $2,625,000 | 2,660 |
| Securities gains (losses) | $77,000 | 1,085 |
| Applicable income taxes | $898,000 | 2,583 |
| Income before extraordinary items | $1,804,000 | 2,698 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,804,000 | 2,700 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 4,641 |
| Cash dividends | $793,000 | 2,535 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,752,410 | 2,729 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,881,000 | 4,065 |
| Total interest expense | $3,638,000 | 4,015 |
| Net interest income | $4,243,000 | 4,108 |
| Provision for loan and lease losses | $220,000 | 2,837 |
| Total noninterest income | $775,000 | 3,772 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $387,000 | 3,461 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $388,000 | 3,366 |
| Total noninterest expense | $3,953,000 | 3,361 |
| Salaries and employee benefits | $1,748,000 | 3,736 |
| Premises and equipment expense | $620,000 | 3,126 |
| Additional noninterest expense | $1,585,000 | 2,956 |
| Pre-tax net operating income | $845,000 | 6,665 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $318,000 | 5,799 |
| Income before extraordinary items | $527,000 | 7,051 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $527,000 | 7,050 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $235,000 | 2,261 |
| Cash dividends | $36,000 | 8,073 |
| Sale, conversion, retirement of capital stock, net | $132,000 | 529 |
| Net operating income | $527,000 | 7,029 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,622,000 | 5,145 |
| Total interest expense | $1,979,000 | 5,657 |
| Net interest income | $3,643,000 | 4,764 |
| Provision for loan and lease losses | $140,000 | 3,750 |
| Total noninterest income | $754,000 | 3,902 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $454,000 | 3,031 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $300,000 | 4,091 |
| Total noninterest expense | $3,012,000 | 4,392 |
| Salaries and employee benefits | $1,523,000 | 4,226 |
| Premises and equipment expense | $466,000 | 4,046 |
| Additional noninterest expense | $1,023,000 | 4,630 |
| Pre-tax net operating income | $1,245,000 | 5,098 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $384,000 | 4,904 |
| Income before extraordinary items | $861,000 | 5,070 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $861,000 | 5,076 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $139,000 | 3,108 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $256,000 | 654 |
| Net operating income | $861,000 | 5,121 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,102,000 | 5,674 |
| Total interest expense | $1,715,000 | 6,578 |
| Net interest income | $3,387,000 | 5,096 |
| Provision for loan and lease losses | $467,000 | 2,203 |
| Total noninterest income | $439,000 | 6,100 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $340,000 | 3,986 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $99,000 | 7,899 |
| Total noninterest expense | $2,502,000 | 5,276 |
| Salaries and employee benefits | $1,135,000 | 5,489 |
| Premises and equipment expense | $471,000 | 4,080 |
| Additional noninterest expense | $896,000 | 5,385 |
| Pre-tax net operating income | $857,000 | 6,536 |
| Securities gains (losses) | $157,000 | 1,942 |
| Applicable income taxes | $190,000 | 7,806 |
| Income before extraordinary items | $824,000 | 5,442 |
| Extraordinary gains, net | $19,000 | 2,728 |
| Net income | $843,000 | 5,487 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $413,000 | 2,012 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $696,830 | 5,861 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,771,000 | 6,606 |
| Total interest expense | $1,901,000 | 7,350 |
| Net interest income | $2,870,000 | 5,924 |
| Provision for loan and lease losses | $492,000 | 3,038 |
| Total noninterest income | $350,000 | 7,120 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $293,000 | 4,528 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $57,000 | 9,979 |
| Total noninterest expense | $2,324,000 | 5,635 |
| Salaries and employee benefits | $933,000 | 6,435 |
| Premises and equipment expense | $411,000 | 4,702 |
| Additional noninterest expense | $980,000 | 5,128 |
| Pre-tax net operating income | $404,000 | 9,206 |
| Securities gains (losses) | $41,000 | 4,460 |
| Applicable income taxes | $90,000 | 10,159 |
| Income before extraordinary items | $355,000 | 8,666 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $355,000 | 8,796 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $405,000 | 2,803 |
| Cash dividends | $150,000 | 5,711 |
| Sale, conversion, retirement of capital stock, net | $981,000 | 433 |
| Net operating income | $322,200 | 8,657 |
* 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.