Home > Citizens Bank of Southern Indiana > Income and Expense
Citizens Bank of Southern Indiana, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,021,000 | 3,952 |
| Total interest expense | $4,714,000 | 3,147 |
| Net interest income | $3,307,000 | 4,933 |
| Provision for loan and lease losses | $187,000 | 3,587 |
| Total noninterest income | $5,645,000 | 852 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $297,000 | 4,110 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $5,348,000 | 593 |
| Total noninterest expense | $6,230,000 | 2,076 |
| Salaries and employee benefits | $3,788,000 | 1,727 |
| Premises and equipment expense | $418,000 | 4,296 |
| Additional noninterest expense | $2,024,000 | 2,064 |
| Pre-tax net operating income | $2,535,000 | 2,875 |
| Securities gains (losses) | $63,000 | 1,207 |
| Applicable income taxes | $898,000 | 2,665 |
| Income before extraordinary items | $1,700,000 | 2,993 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,700,000 | 2,992 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,572 |
| Cash dividends | $1,054,000 | 2,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,659,050 | 3,003 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,919,000 | 4,080 |
| Total interest expense | $4,563,000 | 3,281 |
| Net interest income | $3,356,000 | 5,001 |
| Provision for loan and lease losses | $113,000 | 4,832 |
| Total noninterest income | $5,405,000 | 899 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $227,000 | 5,141 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $5,178,000 | 628 |
| Total noninterest expense | $5,933,000 | 2,317 |
| Salaries and employee benefits | $3,592,000 | 1,839 |
| Premises and equipment expense | $435,000 | 4,245 |
| Additional noninterest expense | $1,906,000 | 2,572 |
| Pre-tax net operating income | $2,715,000 | 2,574 |
| Securities gains (losses) | $27,000 | 1,767 |
| Applicable income taxes | $1,037,000 | 2,282 |
| Income before extraordinary items | $1,705,000 | 2,847 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,705,000 | 2,848 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 4,696 |
| Cash dividends | $422,000 | 3,759 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,687,720 | 2,832 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,808,000 | 4,680 |
| Total interest expense | $3,720,000 | 3,941 |
| Net interest income | $3,088,000 | 5,378 |
| Provision for loan and lease losses | $96,000 | 4,714 |
| Total noninterest income | $4,685,000 | 1,000 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $174,000 | 6,184 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,511,000 | 701 |
| Total noninterest expense | $5,291,000 | 2,565 |
| Salaries and employee benefits | $3,380,000 | 1,960 |
| Premises and equipment expense | $346,000 | 5,064 |
| Additional noninterest expense | $1,565,000 | 2,984 |
| Pre-tax net operating income | $2,386,000 | 2,978 |
| Securities gains (losses) | $72,000 | 1,105 |
| Applicable income taxes | $989,000 | 2,407 |
| Income before extraordinary items | $1,469,000 | 3,305 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,469,000 | 3,304 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 5,530 |
| Cash dividends | $669,000 | 2,738 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,422,920 | 3,386 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,280,000 | 5,409 |
| Total interest expense | $2,521,000 | 4,616 |
| Net interest income | $2,759,000 | 5,989 |
| Provision for loan and lease losses | $150,000 | 3,586 |
| Total noninterest income | $6,356,000 | 787 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $108,000 | 7,891 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $6,248,000 | 561 |
| Total noninterest expense | $6,979,000 | 2,045 |
| Salaries and employee benefits | $4,306,000 | 1,552 |
| Premises and equipment expense | $532,000 | 3,601 |
| Additional noninterest expense | $2,141,000 | 2,440 |
| Pre-tax net operating income | $1,986,000 | 3,440 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $494,000 | 4,087 |
| Income before extraordinary items | $1,492,000 | 3,193 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,492,000 | 3,206 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $172,000 | 2,751 |
| Cash dividends | $1,459,000 | 1,438 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,492,000 | 3,220 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,962,000 | 5,821 |
| Total interest expense | $2,350,000 | 5,069 |
| Net interest income | $2,612,000 | 6,329 |
| Provision for loan and lease losses | $118,000 | 5,382 |
| Total noninterest income | $238,000 | 8,569 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $76,000 | 9,141 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $162,000 | 6,311 |
| Total noninterest expense | $1,625,000 | 7,423 |
| Salaries and employee benefits | $783,000 | 7,421 |
| Premises and equipment expense | $143,000 | 9,102 |
| Additional noninterest expense | $699,000 | 6,570 |
| Pre-tax net operating income | $1,107,000 | 5,493 |
| Securities gains (losses) | $52,000 | 3,344 |
| Applicable income taxes | $436,000 | 4,702 |
| Income before extraordinary items | $723,000 | 5,969 |
| Extraordinary gains, net | $31,000 | 2,476 |
| Net income | $754,000 | 5,956 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 10,864 |
| Cash dividends | $574,000 | 2,764 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $689,720 | 5,923 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,427,000 | 5,965 |
| Total interest expense | $2,852,000 | 5,384 |
| Net interest income | $2,575,000 | 6,445 |
| Provision for loan and lease losses | $72,000 | 8,175 |
| Total noninterest income | $106,000 | 11,552 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $61,000 | 9,885 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $45,000 | 10,722 |
| Total noninterest expense | $1,520,000 | 7,844 |
| Salaries and employee benefits | $720,000 | 7,834 |
| Premises and equipment expense | $134,000 | 9,571 |
| Additional noninterest expense | $666,000 | 6,983 |
| Pre-tax net operating income | $1,089,000 | 5,300 |
| Securities gains (losses) | $-6,000 | 13,123 |
| Applicable income taxes | $355,000 | 5,285 |
| Income before extraordinary items | $728,000 | 5,757 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $728,000 | 5,825 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 9,186 |
| Cash dividends | $359,000 | 3,601 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $732,020 | 5,394 |
* 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.