Home > Cisne State Bank > Income and Expense

Cisne State Bank, Income and Expense

1999-12-31 (YTD Data)		Rank
Total interest income	$874,000	9,719
Total interest expense	$421,000	9,601
Net interest income	$453,000	9,755
Provision for loan and lease losses	$0	8,503
Total noninterest income	$31,000	9,843
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$14,000	8,610
Trading account gains and fees	NA	NA
Additional Noninterest Income	$17,000	9,383
Total noninterest expense	$319,000	10,030
Salaries and employee benefits	$146,000	10,051
Premises and equipment expense	$71,000	9,201
Additional noninterest expense	$102,000	9,910
Pre-tax net operating income	$165,000	8,735
Securities gains (losses)	$0	3,155
Applicable income taxes	$8,000	8,537
Income before extraordinary items	$157,000	8,591
Extraordinary gains, net	$0	35
Net income	$157,000	8,590
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-12,000	9,464
Cash dividends	$900,000	2,448
Sale, conversion, retirement of capital stock, net	$-100,000	10,097
Net operating income	$157,000	8,551
1998-12-31 (YTD Data)		Rank
Total interest income	$1,421,000	9,389
Total interest expense	$636,000	9,384
Net interest income	$785,000	9,297
Provision for loan and lease losses	$12,000	8,074
Total noninterest income	$69,000	9,531
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$29,000	8,529
Trading account gains and fees	NA	NA
Additional Noninterest Income	$40,000	8,530
Total noninterest expense	$553,000	9,602
Salaries and employee benefits	$330,000	9,423
Premises and equipment expense	$99,000	8,732
Additional noninterest expense	$124,000	9,914
Pre-tax net operating income	$289,000	8,462
Securities gains (losses)	$-32,000	10,333
Applicable income taxes	$70,000	7,990
Income before extraordinary items	$187,000	8,705
Extraordinary gains, net	$0	32
Net income	$187,000	8,704
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$31,000	5,719
Cash dividends	$43,000	6,995
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$210,360	8,466
1997-12-31 (YTD Data)		Rank
Total interest income	$1,474,000	9,702
Total interest expense	$662,000	9,646
Net interest income	$812,000	9,636
Provision for loan and lease losses	$65,000	6,037
Total noninterest income	$74,000	9,870
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$32,000	8,879
Trading account gains and fees	NA	NA
Additional Noninterest Income	$42,000	8,774
Total noninterest expense	$525,000	10,034
Salaries and employee benefits	$289,000	10,028
Premises and equipment expense	$125,000	8,362
Additional noninterest expense	$111,000	10,436
Pre-tax net operating income	$296,000	9,022
Securities gains (losses)	$0	3,944
Applicable income taxes	$85,000	8,663
Income before extraordinary items	$211,000	9,062
Extraordinary gains, net	$0	44
Net income	$211,000	9,066
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$63,000	4,724
Cash dividends	$40,000	7,339
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$211,000	9,020
1996-12-31 (YTD Data)		Rank
Total interest income	$1,395,000	10,255
Total interest expense	$626,000	10,190
Net interest income	$769,000	10,195
Provision for loan and lease losses	$25,000	7,649
Total noninterest income	$69,000	10,506
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$34,000	9,277
Trading account gains and fees	NA	NA
Additional Noninterest Income	$35,000	9,600
Total noninterest expense	$530,000	10,462
Salaries and employee benefits	$279,000	10,516
Premises and equipment expense	$125,000	8,668
Additional noninterest expense	$126,000	10,842
Pre-tax net operating income	$283,000	9,242
Securities gains (losses)	$15,000	2,201
Applicable income taxes	$85,000	9,017
Income before extraordinary items	$213,000	9,172
Extraordinary gains, net	$0	53
Net income	$213,000	9,175
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$34,000	5,970
Cash dividends	$36,000	7,771
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$202,350	9,215
1995-12-31 (YTD Data)		Rank
Total interest income	$1,283,000	10,865
Total interest expense	$601,000	10,663
Net interest income	$682,000	10,891
Provision for loan and lease losses	$0	8,958
Total noninterest income	$72,000	10,907
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$37,000	9,619
Trading account gains and fees	NA	NA
Additional Noninterest Income	$35,000	9,970
Total noninterest expense	$490,000	11,060
Salaries and employee benefits	$279,000	10,926
Premises and equipment expense	$102,000	9,565
Additional noninterest expense	$109,000	11,530
Pre-tax net operating income	$264,000	10,012
Securities gains (losses)	$-16,000	10,415
Applicable income taxes	$64,000	9,898
Income before extraordinary items	$184,000	10,113
Extraordinary gains, net	$0	65
Net income	$184,000	10,117
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	7,275
Cash dividends	$32,000	8,141
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$195,840	9,953
1994-12-31 (YTD Data)		Rank
Total interest income	$1,211,000	11,328
Total interest expense	$514,000	11,043
Net interest income	$697,000	11,389
Provision for loan and lease losses	$0	9,146
Total noninterest income	$65,000	11,609
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$34,000	10,221
Trading account gains and fees	NA	NA
Additional Noninterest Income	$31,000	10,719
Total noninterest expense	$542,000	11,392
Salaries and employee benefits	$267,000	11,505
Premises and equipment expense	$130,000	9,091
Additional noninterest expense	$145,000	11,851
Pre-tax net operating income	$220,000	10,738
Securities gains (losses)	$1,000	3,293
Applicable income taxes	$50,000	10,470
Income before extraordinary items	$171,000	10,597
Extraordinary gains, net	$0	249
Net income	$171,000	10,603
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	9,875
Cash dividends	$29,000	8,415
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$170,230	10,643
1993-12-31 (YTD Data)		Rank
Total interest income	$1,352,000	11,564
Total interest expense	$642,000	10,910
Net interest income	$710,000	11,836
Provision for loan and lease losses	$14,000	9,467
Total noninterest income	$56,000	12,391
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$31,000	10,719
Trading account gains and fees	NA	NA
Additional Noninterest Income	$25,000	11,679
Total noninterest expense	$553,000	11,889
Salaries and employee benefits	$256,000	12,120
Premises and equipment expense	$135,000	9,319
Additional noninterest expense	$162,000	12,256
Pre-tax net operating income	$199,000	11,048
Securities gains (losses)	$29,000	4,143
Applicable income taxes	$51,000	10,921
Income before extraordinary items	$177,000	10,908
Extraordinary gains, net	$0	3,149
Net income	$177,000	11,005
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	9,922
Cash dividends	$29,000	8,503
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$154,380	10,943
1992-12-31 (YTD Data)		Rank
Total interest income	$1,483,000	12,010
Total interest expense	$791,000	11,374
Net interest income	$692,000	12,348
Provision for loan and lease losses	$19,000	10,662
Total noninterest income	$58,000	12,909
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$27,000	11,160
Trading account gains and fees	NA	NA
Additional Noninterest Income	$31,000	11,703
Total noninterest expense	$515,000	12,554
Salaries and employee benefits	$241,000	12,701
Premises and equipment expense	$131,000	9,652
Additional noninterest expense	$143,000	13,060
Pre-tax net operating income	$216,000	10,915
Securities gains (losses)	$27,000	5,154
Applicable income taxes	$57,000	11,058
Income before extraordinary items	$186,000	10,792
Extraordinary gains, net	$0	1,422
Net income	$186,000	10,899
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	9,883
Cash dividends	$25,000	8,340
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$165,210	10,724

* 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.