CFS Bank, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $210,546,000 | 237 |
| Total interest expense | $126,327,000 | 220 |
| Net interest income | $84,219,000 | 277 |
| Provision for loan and lease losses | $1,496,000 | 767 |
| Total noninterest income | $36,435,000 | 260 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $36,435,000 | 202 |
| Total noninterest expense | $82,484,000 | 245 |
| Salaries and employee benefits | $35,273,000 | 226 |
| Premises and equipment expense | $16,404,000 | 174 |
| Additional noninterest expense | $30,807,000 | 264 |
| Pre-tax net operating income | $36,674,000 | 290 |
| Securities gains (losses) | $-14,600,000 | 9,872 |
| Applicable income taxes | $21,159,000 | 191 |
| Income before extraordinary items | $915,000 | 4,632 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $915,000 | 4,631 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $429,000 | 1,401 |
| Cash dividends | $3,000,000 | 949 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $10,259,000 | 553 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $182,105,000 | 246 |
| Total interest expense | $108,752,000 | 216 |
| Net interest income | $73,353,000 | 309 |
| Provision for loan and lease losses | $2,926,000 | 424 |
| Total noninterest income | $30,584,000 | 307 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $30,584,000 | 236 |
| Total noninterest expense | $80,728,000 | 252 |
| Salaries and employee benefits | $43,901,000 | 196 |
| Premises and equipment expense | $17,036,000 | 165 |
| Additional noninterest expense | $19,791,000 | 366 |
| Pre-tax net operating income | $20,283,000 | 480 |
| Securities gains (losses) | $4,439,000 | 71 |
| Applicable income taxes | $7,006,000 | 476 |
| Income before extraordinary items | $17,716,000 | 395 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $17,716,000 | 395 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $867,000 | 782 |
| Cash dividends | $4,500,000 | 702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $14,519,920 | 454 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $150,171,000 | 277 |
| Total interest expense | $91,078,000 | 234 |
| Net interest income | $59,093,000 | 356 |
| Provision for loan and lease losses | $1,983,000 | 584 |
| Total noninterest income | $26,591,000 | 310 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $26,591,000 | 241 |
| Total noninterest expense | $76,722,000 | 270 |
| Salaries and employee benefits | $41,443,000 | 199 |
| Premises and equipment expense | $14,462,000 | 188 |
| Additional noninterest expense | $20,817,000 | 342 |
| Pre-tax net operating income | $6,979,000 | 1,082 |
| Securities gains (losses) | $7,564,000 | 89 |
| Applicable income taxes | $4,329,000 | 643 |
| Income before extraordinary items | $10,214,000 | 583 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $10,214,000 | 582 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,134,000 | 693 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $4,919,200 | 1,060 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $125,016,000 | 336 |
| Total interest expense | $72,546,000 | 293 |
| Net interest income | $52,470,000 | 394 |
| Provision for loan and lease losses | $2,004,000 | 588 |
| Total noninterest income | $14,880,000 | 426 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $14,880,000 | 320 |
| Total noninterest expense | $45,361,000 | 362 |
| Salaries and employee benefits | $24,444,000 | 297 |
| Premises and equipment expense | $8,340,000 | 279 |
| Additional noninterest expense | $12,577,000 | 481 |
| Pre-tax net operating income | $19,985,000 | 459 |
| Securities gains (losses) | $-25,000 | 10,445 |
| Applicable income taxes | $7,416,000 | 456 |
| Income before extraordinary items | $12,544,000 | 495 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $12,544,000 | 496 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $944,000 | 836 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $12,560,000 | 470 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $108,517,000 | 401 |
| Total interest expense | $61,317,000 | 367 |
| Net interest income | $47,200,000 | 450 |
| Provision for loan and lease losses | $2,053,000 | 602 |
| Total noninterest income | $9,999,000 | 587 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $9,999,000 | 427 |
| Total noninterest expense | $38,649,000 | 472 |
| Salaries and employee benefits | $15,761,000 | 460 |
| Premises and equipment expense | $5,312,000 | 445 |
| Additional noninterest expense | $17,576,000 | 447 |
| Pre-tax net operating income | $16,497,000 | 527 |
| Securities gains (losses) | $145,000 | 806 |
| Applicable income taxes | $6,794,000 | 466 |
| Income before extraordinary items | $9,848,000 | 589 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $9,848,000 | 590 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $932,000 | 947 |
| Cash dividends | $2,000,000 | 1,264 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $9,755,200 | 579 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $95,466,000 | 465 |
| Total interest expense | $55,102,000 | 408 |
| Net interest income | $40,364,000 | 534 |
| Provision for loan and lease losses | $960,000 | 975 |
| Total noninterest income | $8,717,000 | 655 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $8,717,000 | 463 |
| Total noninterest expense | $32,258,000 | 553 |
| Salaries and employee benefits | $14,973,000 | 498 |
| Premises and equipment expense | $5,004,000 | 489 |
| Additional noninterest expense | $12,281,000 | 590 |
| Pre-tax net operating income | $15,863,000 | 564 |
| Securities gains (losses) | $126,000 | 853 |
| Applicable income taxes | $7,329,000 | 459 |
| Income before extraordinary items | $8,660,000 | 676 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $8,660,000 | 676 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,168,000 | 354 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $8,579,360 | 675 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $80,583,000 | 473 |
| Total interest expense | $40,292,000 | 422 |
| Net interest income | $40,291,000 | 522 |
| Provision for loan and lease losses | $1,836,000 | 614 |
| Total noninterest income | $4,701,000 | 965 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $4,701,000 | 665 |
| Total noninterest expense | $51,688,000 | 385 |
| Salaries and employee benefits | $13,742,000 | 533 |
| Premises and equipment expense | $5,005,000 | 484 |
| Additional noninterest expense | $32,941,000 | 313 |
| Pre-tax net operating income | $-8,532,000 | 12,598 |
| Securities gains (losses) | $1,966,000 | 96 |
| Applicable income taxes | $-2,658,000 | 12,565 |
| Income before extraordinary items | $-3,908,000 | 12,541 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-3,908,000 | 12,540 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,369,000 | 206 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $1,215,000 | 387 |
| Net operating income | $-5,166,240 | 12,552 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $78,447,000 | 476 |
| Total interest expense | $41,822,000 | 407 |
| Net interest income | $36,625,000 | 558 |
| Provision for loan and lease losses | $4,240,000 | 492 |
| Total noninterest income | $3,738,000 | 1,227 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $3,738,000 | 834 |
| Total noninterest expense | $36,076,000 | 526 |
| Salaries and employee benefits | $12,047,000 | 605 |
| Premises and equipment expense | $5,744,000 | 454 |
| Additional noninterest expense | $18,285,000 | 502 |
| Pre-tax net operating income | $47,000 | 12,197 |
| Securities gains (losses) | $698,000 | 712 |
| Applicable income taxes | $1,409,000 | 1,652 |
| Income before extraordinary items | $-664,000 | 12,936 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-664,000 | 12,946 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,484,000 | 874 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $26,363,000 | 57 |
| Net operating income | $-1,110,720 | 12,973 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $89,616,000 | 479 |
| Total interest expense | $50,668,000 | 432 |
| Net interest income | $38,948,000 | 539 |
| Provision for loan and lease losses | $7,241,000 | 466 |
| Total noninterest income | $4,270,000 | 1,097 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $4,270,000 | 754 |
| Total noninterest expense | $45,310,000 | 444 |
| Salaries and employee benefits | $10,367,000 | 681 |
| Premises and equipment expense | $5,446,000 | 483 |
| Additional noninterest expense | $29,497,000 | 356 |
| Pre-tax net operating income | $-9,333,000 | 13,867 |
| Securities gains (losses) | $3,212,000 | 288 |
| Applicable income taxes | $-3,614,000 | 13,900 |
| Income before extraordinary items | $-2,507,000 | 13,726 |
| Extraordinary gains, net | $5,487,000 | 36 |
| Net income | $2,980,000 | 1,562 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,517,000 | 322 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-4,562,680 | 13,753 |
* 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.