Home > CENIT Bank > Income and Expense
CENIT Bank, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $45,913,000 | 773 |
| Total interest expense | $25,026,000 | 724 |
| Net interest income | $20,887,000 | 834 |
| Provision for loan and lease losses | $48,000 | 6,621 |
| Total noninterest income | $6,704,000 | 745 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $6,704,000 | 530 |
| Total noninterest expense | $18,984,000 | 791 |
| Salaries and employee benefits | $8,535,000 | 822 |
| Premises and equipment expense | $4,109,000 | 542 |
| Additional noninterest expense | $6,340,000 | 792 |
| Pre-tax net operating income | $8,559,000 | 908 |
| Securities gains (losses) | $535,000 | 255 |
| Applicable income taxes | $3,273,000 | 771 |
| Income before extraordinary items | $5,821,000 | 905 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $5,821,000 | 905 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 3,753 |
| Cash dividends | $6,970,000 | 495 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $5,478,600 | 976 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $42,935,000 | 787 |
| Total interest expense | $22,132,000 | 733 |
| Net interest income | $20,803,000 | 848 |
| Provision for loan and lease losses | $98,000 | 5,306 |
| Total noninterest income | $6,857,000 | 765 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $6,857,000 | 547 |
| Total noninterest expense | $18,479,000 | 802 |
| Salaries and employee benefits | $8,406,000 | 822 |
| Premises and equipment expense | $3,822,000 | 582 |
| Additional noninterest expense | $6,251,000 | 824 |
| Pre-tax net operating income | $9,083,000 | 908 |
| Securities gains (losses) | $748,000 | 267 |
| Applicable income taxes | $3,539,000 | 771 |
| Income before extraordinary items | $6,292,000 | 893 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $6,292,000 | 893 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $248,000 | 2,092 |
| Cash dividends | $4,473,000 | 709 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $5,813,280 | 948 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $46,522,000 | 723 |
| Total interest expense | $25,836,000 | 649 |
| Net interest income | $20,686,000 | 826 |
| Provision for loan and lease losses | $510,000 | 1,691 |
| Total noninterest income | $6,440,000 | 781 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $241,000 | 4,613 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $6,199,000 | 567 |
| Total noninterest expense | $17,547,000 | 824 |
| Salaries and employee benefits | $7,977,000 | 831 |
| Premises and equipment expense | $3,498,000 | 616 |
| Additional noninterest expense | $6,072,000 | 835 |
| Pre-tax net operating income | $9,069,000 | 867 |
| Securities gains (losses) | $1,099,000 | 363 |
| Applicable income taxes | $3,649,000 | 743 |
| Income before extraordinary items | $6,519,000 | 845 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $6,519,000 | 844 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $208,000 | 2,376 |
| Cash dividends | $7,919,000 | 468 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $5,815,640 | 897 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $36,448,000 | 943 |
| Total interest expense | $22,326,000 | 734 |
| Net interest income | $14,122,000 | 1,227 |
| Provision for loan and lease losses | $405,000 | 2,074 |
| Total noninterest income | $4,536,000 | 990 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $4,536,000 | 660 |
| Total noninterest expense | $12,064,000 | 1,105 |
| Salaries and employee benefits | $6,737,000 | 984 |
| Premises and equipment expense | $2,365,000 | 854 |
| Additional noninterest expense | $2,962,000 | 1,455 |
| Pre-tax net operating income | $6,189,000 | 1,267 |
| Securities gains (losses) | $620,000 | 381 |
| Applicable income taxes | $2,465,000 | 1,109 |
| Income before extraordinary items | $4,344,000 | 1,256 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $4,344,000 | 1,257 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $447,000 | 1,468 |
| Cash dividends | $1,405,000 | 1,699 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $3,947,200 | 1,346 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $34,361,000 | 1,023 |
| Total interest expense | $21,036,000 | 808 |
| Net interest income | $13,325,000 | 1,348 |
| Provision for loan and lease losses | $119,000 | 4,742 |
| Total noninterest income | $3,767,000 | 1,164 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $3,767,000 | 764 |
| Total noninterest expense | $14,353,000 | 1,048 |
| Salaries and employee benefits | $5,935,000 | 1,131 |
| Premises and equipment expense | $2,199,000 | 966 |
| Additional noninterest expense | $6,219,000 | 971 |
| Pre-tax net operating income | $2,620,000 | 2,665 |
| Securities gains (losses) | $629,000 | 365 |
| Applicable income taxes | $1,110,000 | 2,143 |
| Income before extraordinary items | $2,139,000 | 2,298 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,139,000 | 2,298 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $281,000 | 2,171 |
| Cash dividends | $1,208,000 | 1,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,723,860 | 2,782 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $37,307,000 | 955 |
| Total interest expense | $23,989,000 | 757 |
| Net interest income | $13,318,000 | 1,347 |
| Provision for loan and lease losses | $477,000 | 1,641 |
| Total noninterest income | $1,963,000 | 1,856 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,963,000 | 1,141 |
| Total noninterest expense | $10,665,000 | 1,328 |
| Salaries and employee benefits | $5,015,000 | 1,321 |
| Premises and equipment expense | $2,259,000 | 950 |
| Additional noninterest expense | $3,391,000 | 1,524 |
| Pre-tax net operating income | $4,139,000 | 1,786 |
| Securities gains (losses) | $-46,000 | 11,123 |
| Applicable income taxes | $1,537,000 | 1,621 |
| Income before extraordinary items | $2,556,000 | 1,966 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,556,000 | 1,963 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $759,000 | 1,067 |
| Cash dividends | $680,000 | 2,706 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $2,585,440 | 1,923 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $31,910,000 | 995 |
| Total interest expense | $17,518,000 | 801 |
| Net interest income | $14,392,000 | 1,264 |
| Provision for loan and lease losses | $350,000 | 2,026 |
| Total noninterest income | $1,376,000 | 2,463 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,376,000 | 1,477 |
| Total noninterest expense | $10,270,000 | 1,425 |
| Salaries and employee benefits | $5,091,000 | 1,323 |
| Premises and equipment expense | $2,069,000 | 1,027 |
| Additional noninterest expense | $3,110,000 | 1,746 |
| Pre-tax net operating income | $5,148,000 | 1,437 |
| Securities gains (losses) | $192,000 | 510 |
| Applicable income taxes | $2,100,000 | 1,152 |
| Income before extraordinary items | $3,240,000 | 1,518 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $3,240,000 | 1,520 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $759,000 | 1,036 |
| Cash dividends | $451,000 | 3,433 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $3,117,120 | 1,582 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $28,716,000 | 1,108 |
| Total interest expense | $15,157,000 | 927 |
| Net interest income | $13,559,000 | 1,331 |
| Provision for loan and lease losses | $1,200,000 | 1,154 |
| Total noninterest income | $1,598,000 | 2,320 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,598,000 | 1,474 |
| Total noninterest expense | $9,990,000 | 1,526 |
| Salaries and employee benefits | $5,771,000 | 1,174 |
| Premises and equipment expense | $1,954,000 | 1,095 |
| Additional noninterest expense | $2,265,000 | 2,451 |
| Pre-tax net operating income | $3,967,000 | 1,738 |
| Securities gains (losses) | $582,000 | 805 |
| Applicable income taxes | $1,604,000 | 1,484 |
| Income before extraordinary items | $2,945,000 | 1,709 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,945,000 | 1,765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,098,000 | 1,087 |
| Cash dividends | $601,000 | 2,623 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,566,700 | 1,835 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $32,408,000 | 1,126 |
| Total interest expense | $19,770,000 | 916 |
| Net interest income | $12,638,000 | 1,466 |
| Provision for loan and lease losses | $1,989,000 | 1,158 |
| Total noninterest income | $1,785,000 | 2,098 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,785,000 | 1,340 |
| Total noninterest expense | $10,178,000 | 1,508 |
| Salaries and employee benefits | $4,860,000 | 1,376 |
| Premises and equipment expense | $1,853,000 | 1,187 |
| Additional noninterest expense | $3,465,000 | 1,768 |
| Pre-tax net operating income | $2,256,000 | 2,767 |
| Securities gains (losses) | $712,000 | 837 |
| Applicable income taxes | $1,102,000 | 1,931 |
| Income before extraordinary items | $1,866,000 | 2,457 |
| Extraordinary gains, net | $553,000 | 196 |
| Net income | $2,419,000 | 1,912 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,332,000 | 873 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $11,744,000 | 76 |
| Net operating income | $1,410,320 | 3,023 |
* 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.