Home > Citizens Bank of Delphos > Income and Expense
Citizens Bank of Delphos, Income and Expense
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $7,283,000 | 3,919 |
| Total interest expense | $3,867,000 | 2,828 |
| Net interest income | $3,416,000 | 4,829 |
| Provision for loan and lease losses | $-125,000 | 9,274 |
| Total noninterest income | $3,914,000 | 1,271 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,914,000 | 825 |
| Total noninterest expense | $2,300,000 | 5,380 |
| Salaries and employee benefits | $629,000 | 7,591 |
| Premises and equipment expense | $227,000 | 6,428 |
| Additional noninterest expense | $1,444,000 | 3,045 |
| Pre-tax net operating income | $5,155,000 | 1,589 |
| Securities gains (losses) | $778,000 | 492 |
| Applicable income taxes | $1,283,000 | 1,859 |
| Income before extraordinary items | $4,650,000 | 1,342 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $4,650,000 | 1,342 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,528 |
| Cash dividends | $8,049,000 | 424 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $4,043,160 | 1,468 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,635,000 | 3,769 |
| Total interest expense | $5,032,000 | 3,137 |
| Net interest income | $3,603,000 | 4,472 |
| Provision for loan and lease losses | $703,000 | 1,658 |
| Total noninterest income | $1,051,000 | 3,225 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,051,000 | 1,967 |
| Total noninterest expense | $2,611,000 | 4,815 |
| Salaries and employee benefits | $1,055,000 | 5,803 |
| Premises and equipment expense | $406,000 | 4,549 |
| Additional noninterest expense | $1,150,000 | 3,639 |
| Pre-tax net operating income | $1,340,000 | 4,146 |
| Securities gains (losses) | $354,000 | 799 |
| Applicable income taxes | $688,000 | 2,702 |
| Income before extraordinary items | $1,006,000 | 4,281 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,006,000 | 4,282 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,867 |
| Cash dividends | $330,000 | 4,229 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $779,440 | 4,817 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $9,652,000 | 3,507 |
| Total interest expense | $5,786,000 | 2,883 |
| Net interest income | $3,866,000 | 4,296 |
| Provision for loan and lease losses | $36,000 | 6,984 |
| Total noninterest income | $372,000 | 5,742 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $372,000 | 3,514 |
| Total noninterest expense | $2,288,000 | 5,181 |
| Salaries and employee benefits | $1,173,000 | 5,318 |
| Premises and equipment expense | $271,000 | 5,760 |
| Additional noninterest expense | $844,000 | 4,555 |
| Pre-tax net operating income | $1,914,000 | 3,434 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $663,000 | 2,909 |
| Income before extraordinary items | $1,251,000 | 3,751 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,251,000 | 3,752 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 6,269 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,251,000 | 3,735 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,853,000 | 3,579 |
| Total interest expense | $4,754,000 | 3,071 |
| Net interest income | $4,099,000 | 4,088 |
| Provision for loan and lease losses | $36,000 | 6,998 |
| Total noninterest income | $384,000 | 5,749 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $384,000 | 3,525 |
| Total noninterest expense | $1,889,000 | 5,889 |
| Salaries and employee benefits | $993,000 | 5,914 |
| Premises and equipment expense | $251,000 | 6,029 |
| Additional noninterest expense | $645,000 | 5,544 |
| Pre-tax net operating income | $2,558,000 | 2,740 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $904,000 | 2,380 |
| Income before extraordinary items | $1,654,000 | 3,004 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,654,000 | 3,005 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 6,500 |
| Cash dividends | $2,000,000 | 1,354 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,654,000 | 2,966 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,325,000 | 3,796 |
| Total interest expense | $4,398,000 | 3,378 |
| Net interest income | $3,927,000 | 4,185 |
| Provision for loan and lease losses | $12,000 | 8,074 |
| Total noninterest income | $540,000 | 4,716 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $540,000 | 2,839 |
| Total noninterest expense | $1,858,000 | 5,865 |
| Salaries and employee benefits | $1,004,000 | 5,781 |
| Premises and equipment expense | $221,000 | 6,412 |
| Additional noninterest expense | $633,000 | 5,535 |
| Pre-tax net operating income | $2,597,000 | 2,684 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $930,000 | 2,439 |
| Income before extraordinary items | $1,667,000 | 2,977 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,667,000 | 2,978 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $2,500,000 | 1,112 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,667,000 | 2,892 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,647,000 | 4,142 |
| Total interest expense | $4,014,000 | 3,665 |
| Net interest income | $3,633,000 | 4,587 |
| Provision for loan and lease losses | $12,000 | 8,256 |
| Total noninterest income | $311,000 | 6,524 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $311,000 | 3,838 |
| Total noninterest expense | $1,769,000 | 6,136 |
| Salaries and employee benefits | $958,000 | 6,011 |
| Premises and equipment expense | $195,000 | 6,937 |
| Additional noninterest expense | $616,000 | 5,709 |
| Pre-tax net operating income | $2,163,000 | 3,286 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $785,000 | 2,972 |
| Income before extraordinary items | $1,378,000 | 3,616 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,378,000 | 3,617 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $7,000,000 | 481 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,378,000 | 3,540 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,758,000 | 4,716 |
| Total interest expense | $4,033,000 | 3,684 |
| Net interest income | $2,725,000 | 5,838 |
| Provision for loan and lease losses | $5,000 | 8,822 |
| Total noninterest income | $276,000 | 7,245 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $276,000 | 4,279 |
| Total noninterest expense | $2,067,000 | 5,811 |
| Salaries and employee benefits | $759,000 | 7,210 |
| Premises and equipment expense | $200,000 | 7,027 |
| Additional noninterest expense | $1,108,000 | 4,034 |
| Pre-tax net operating income | $929,000 | 5,993 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $585,000 | 3,670 |
| Income before extraordinary items | $344,000 | 8,049 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $344,000 | 8,049 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $9,960,000 | 66 |
| Net operating income | $344,000 | 7,995 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,340,000 | 4,958 |
| Total interest expense | $3,754,000 | 3,896 |
| Net interest income | $2,586,000 | 6,156 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $180,000 | 8,775 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $180,000 | 5,433 |
| Total noninterest expense | $1,367,000 | 7,684 |
| Salaries and employee benefits | $623,000 | 8,225 |
| Premises and equipment expense | $197,000 | 7,255 |
| Additional noninterest expense | $547,000 | 6,894 |
| Pre-tax net operating income | $1,399,000 | 4,693 |
| Securities gains (losses) | $8,000 | 2,536 |
| Applicable income taxes | $429,000 | 4,704 |
| Income before extraordinary items | $978,000 | 4,691 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $978,000 | 4,690 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $972,400 | 4,684 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,604,000 | 5,155 |
| Total interest expense | $3,059,000 | 3,893 |
| Net interest income | $2,545,000 | 6,377 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $196,000 | 8,796 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $196,000 | 5,349 |
| Total noninterest expense | $1,303,000 | 8,226 |
| Salaries and employee benefits | $612,000 | 8,534 |
| Premises and equipment expense | $172,000 | 8,034 |
| Additional noninterest expense | $519,000 | 7,674 |
| Pre-tax net operating income | $1,438,000 | 4,573 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $414,000 | 4,646 |
| Income before extraordinary items | $1,024,000 | 4,452 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,024,000 | 4,452 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,024,000 | 4,495 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,357,000 | 5,453 |
| Total interest expense | $3,001,000 | 4,112 |
| Net interest income | $2,356,000 | 6,815 |
| Provision for loan and lease losses | $60,000 | 6,949 |
| Total noninterest income | $378,000 | 6,724 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $378,000 | 3,902 |
| Total noninterest expense | $1,084,000 | 9,384 |
| Salaries and employee benefits | $571,000 | 9,041 |
| Premises and equipment expense | $170,000 | 8,376 |
| Additional noninterest expense | $343,000 | 9,921 |
| Pre-tax net operating income | $1,590,000 | 4,104 |
| Securities gains (losses) | $-8,000 | 12,705 |
| Applicable income taxes | $498,000 | 4,211 |
| Income before extraordinary items | $1,084,000 | 4,376 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,084,000 | 4,495 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,089,520 | 4,145 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,645,000 | 5,779 |
| Total interest expense | $3,229,000 | 4,863 |
| Net interest income | $2,416,000 | 6,754 |
| Provision for loan and lease losses | $25,000 | 10,242 |
| Total noninterest income | $260,000 | 8,338 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $260,000 | 4,843 |
| Total noninterest expense | $1,048,000 | 9,760 |
| Salaries and employee benefits | $534,000 | 9,430 |
| Premises and equipment expense | $172,000 | 8,516 |
| Additional noninterest expense | $342,000 | 10,296 |
| Pre-tax net operating income | $1,603,000 | 3,795 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $741,000 | 2,804 |
| Income before extraordinary items | $862,000 | 5,071 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $862,000 | 5,124 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 8,990 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $862,000 | 4,771 |
* 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.