Home > Citizens Bank of Central Indiana > Income and Expense
Citizens Bank of Central Indiana, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $47,591,000 | 730 |
| Total interest expense | $24,551,000 | 683 |
| Net interest income | $23,040,000 | 791 |
| Provision for loan and lease losses | $1,906,000 | 611 |
| Total noninterest income | $7,278,000 | 715 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $2,430,000 | 541 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $4,848,000 | 627 |
| Total noninterest expense | $16,856,000 | 850 |
| Salaries and employee benefits | $7,296,000 | 911 |
| Premises and equipment expense | $1,911,000 | 1,038 |
| Additional noninterest expense | $7,649,000 | 717 |
| Pre-tax net operating income | $11,556,000 | 722 |
| Securities gains (losses) | $273,000 | 590 |
| Applicable income taxes | $4,040,000 | 716 |
| Income before extraordinary items | $7,789,000 | 727 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $7,789,000 | 728 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,368,000 | 642 |
| Cash dividends | $1,446,000 | 1,667 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $7,608,820 | 722 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $41,034,000 | 854 |
| Total interest expense | $20,579,000 | 829 |
| Net interest income | $20,455,000 | 912 |
| Provision for loan and lease losses | $652,000 | 1,405 |
| Total noninterest income | $6,249,000 | 823 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $2,058,000 | 660 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $4,191,000 | 716 |
| Total noninterest expense | $16,783,000 | 908 |
| Salaries and employee benefits | $7,329,000 | 931 |
| Premises and equipment expense | $1,929,000 | 1,088 |
| Additional noninterest expense | $7,525,000 | 847 |
| Pre-tax net operating income | $9,269,000 | 836 |
| Securities gains (losses) | $141,000 | 817 |
| Applicable income taxes | $3,314,000 | 800 |
| Income before extraordinary items | $6,096,000 | 876 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $6,096,000 | 878 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $322,000 | 1,976 |
| Cash dividends | $764,000 | 2,584 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $6,004,350 | 874 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,367,000 | 6,603 |
| Total interest expense | $2,213,000 | 6,062 |
| Net interest income | $2,154,000 | 6,975 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $187,000 | 8,635 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $108,000 | 7,593 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $79,000 | 7,981 |
| Total noninterest expense | $1,526,000 | 7,186 |
| Salaries and employee benefits | $757,000 | 7,358 |
| Premises and equipment expense | $52,000 | 11,019 |
| Additional noninterest expense | $717,000 | 5,732 |
| Pre-tax net operating income | $815,000 | 6,771 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $213,000 | 7,202 |
| Income before extraordinary items | $602,000 | 6,602 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $602,000 | 6,600 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 4,645 |
| Cash dividends | $2,322,000 | 1,114 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $602,000 | 6,592 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,833,000 | 6,909 |
| Total interest expense | $1,756,000 | 6,187 |
| Net interest income | $2,077,000 | 7,382 |
| Provision for loan and lease losses | $300,000 | 2,237 |
| Total noninterest income | $140,000 | 9,910 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $73,000 | 8,896 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $67,000 | 8,779 |
| Total noninterest expense | $1,655,000 | 7,113 |
| Salaries and employee benefits | $760,000 | 7,448 |
| Premises and equipment expense | $66,000 | 11,093 |
| Additional noninterest expense | $829,000 | 5,538 |
| Pre-tax net operating income | $262,000 | 10,398 |
| Securities gains (losses) | $-272,000 | 12,078 |
| Applicable income taxes | $-62,000 | 12,241 |
| Income before extraordinary items | $52,000 | 11,791 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $52,000 | 11,795 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $140,000 | 3,098 |
| Cash dividends | $125,000 | 6,452 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $226,080 | 10,033 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,749,000 | 7,194 |
| Total interest expense | $1,753,000 | 6,474 |
| Net interest income | $1,996,000 | 7,687 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $152,000 | 10,163 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $69,000 | 9,374 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $83,000 | 8,496 |
| Total noninterest expense | $1,303,000 | 8,499 |
| Salaries and employee benefits | $711,000 | 7,931 |
| Premises and equipment expense | $70,000 | 11,498 |
| Additional noninterest expense | $522,000 | 8,013 |
| Pre-tax net operating income | $845,000 | 6,598 |
| Securities gains (losses) | $-105,000 | 13,184 |
| Applicable income taxes | $152,000 | 8,594 |
| Income before extraordinary items | $588,000 | 6,874 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $588,000 | 7,044 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-35,000 | 12,449 |
| Cash dividends | $125,000 | 6,440 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $670,950 | 6,057 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,169,000 | 7,287 |
| Total interest expense | $2,147,000 | 6,765 |
| Net interest income | $2,022,000 | 7,689 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $122,000 | 11,132 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $70,000 | 9,546 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $52,000 | 10,289 |
| Total noninterest expense | $1,222,000 | 8,947 |
| Salaries and employee benefits | $667,000 | 8,249 |
| Premises and equipment expense | $67,000 | 11,992 |
| Additional noninterest expense | $488,000 | 8,566 |
| Pre-tax net operating income | $922,000 | 5,985 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $227,000 | 7,050 |
| Income before extraordinary items | $695,000 | 5,961 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $695,000 | 6,033 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-85,000 | 13,671 |
| Cash dividends | $100,000 | 6,542 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $695,000 | 5,624 |
* 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.