Home > Citizens Bank of Western Indiana > Income and Expense
Citizens Bank of Western Indiana, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $30,574,000 | 1,108 |
| Total interest expense | $17,164,000 | 951 |
| Net interest income | $13,410,000 | 1,293 |
| Provision for loan and lease losses | $1,239,000 | 835 |
| Total noninterest income | $3,657,000 | 1,146 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,330,000 | 958 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $2,327,000 | 986 |
| Total noninterest expense | $10,154,000 | 1,300 |
| Salaries and employee benefits | $3,314,000 | 1,987 |
| Premises and equipment expense | $1,214,000 | 1,606 |
| Additional noninterest expense | $5,626,000 | 889 |
| Pre-tax net operating income | $5,674,000 | 1,367 |
| Securities gains (losses) | $243,000 | 626 |
| Applicable income taxes | $2,238,000 | 1,204 |
| Income before extraordinary items | $3,679,000 | 1,470 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,679,000 | 1,471 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $459,000 | 1,434 |
| Cash dividends | $1,630,000 | 1,514 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $3,523,480 | 1,485 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $27,627,000 | 1,243 |
| Total interest expense | $14,875,000 | 1,099 |
| Net interest income | $12,752,000 | 1,407 |
| Provision for loan and lease losses | $1,366,000 | 811 |
| Total noninterest income | $3,197,000 | 1,296 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $1,117,000 | 1,194 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $2,080,000 | 1,127 |
| Total noninterest expense | $12,599,000 | 1,159 |
| Salaries and employee benefits | $3,396,000 | 1,937 |
| Premises and equipment expense | $1,363,000 | 1,486 |
| Additional noninterest expense | $7,840,000 | 820 |
| Pre-tax net operating income | $1,984,000 | 3,436 |
| Securities gains (losses) | $49,000 | 1,339 |
| Applicable income taxes | $792,000 | 2,871 |
| Income before extraordinary items | $1,241,000 | 3,767 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,241,000 | 3,766 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $936,000 | 943 |
| Cash dividends | $617,000 | 2,973 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,209,640 | 3,800 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $24,331,000 | 1,410 |
| Total interest expense | $13,295,000 | 1,246 |
| Net interest income | $11,036,000 | 1,629 |
| Provision for loan and lease losses | $1,110,000 | 873 |
| Total noninterest income | $2,159,000 | 1,726 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $866,000 | 1,564 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,293,000 | 1,513 |
| Total noninterest expense | $8,805,000 | 1,614 |
| Salaries and employee benefits | $2,803,000 | 2,366 |
| Premises and equipment expense | $1,226,000 | 1,648 |
| Additional noninterest expense | $4,776,000 | 1,164 |
| Pre-tax net operating income | $3,280,000 | 2,248 |
| Securities gains (losses) | $346,000 | 458 |
| Applicable income taxes | $1,535,000 | 1,624 |
| Income before extraordinary items | $2,091,000 | 2,399 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,091,000 | 2,398 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,256,000 | 757 |
| Cash dividends | $496,000 | 3,405 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,869,560 | 2,624 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $18,911,000 | 1,628 |
| Total interest expense | $9,185,000 | 1,417 |
| Net interest income | $9,726,000 | 1,858 |
| Provision for loan and lease losses | $576,000 | 1,385 |
| Total noninterest income | $2,055,000 | 1,812 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $724,000 | 1,863 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,331,000 | 1,512 |
| Total noninterest expense | $8,546,000 | 1,709 |
| Salaries and employee benefits | $3,032,000 | 2,192 |
| Premises and equipment expense | $1,090,000 | 1,874 |
| Additional noninterest expense | $4,424,000 | 1,307 |
| Pre-tax net operating income | $2,659,000 | 2,671 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $1,164,000 | 1,939 |
| Income before extraordinary items | $1,495,000 | 3,188 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,495,000 | 3,200 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $243,000 | 2,196 |
| Cash dividends | $1,115,000 | 1,738 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,495,000 | 3,214 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $17,600,000 | 1,785 |
| Total interest expense | $8,626,000 | 1,552 |
| Net interest income | $8,974,000 | 2,017 |
| Provision for loan and lease losses | $520,000 | 2,040 |
| Total noninterest income | $1,801,000 | 2,110 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $655,000 | 2,089 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,146,000 | 1,864 |
| Total noninterest expense | $7,485,000 | 1,967 |
| Salaries and employee benefits | $3,079,000 | 2,155 |
| Premises and equipment expense | $1,240,000 | 1,688 |
| Additional noninterest expense | $3,166,000 | 1,837 |
| Pre-tax net operating income | $2,770,000 | 2,480 |
| Securities gains (losses) | $73,000 | 2,908 |
| Applicable income taxes | $1,254,000 | 1,860 |
| Income before extraordinary items | $1,589,000 | 3,070 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,589,000 | 3,157 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $165,000 | 3,491 |
| Cash dividends | $1,010,000 | 1,718 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,542,280 | 2,983 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $18,696,000 | 1,898 |
| Total interest expense | $10,041,000 | 1,714 |
| Net interest income | $8,655,000 | 2,109 |
| Provision for loan and lease losses | $785,000 | 2,171 |
| Total noninterest income | $1,146,000 | 2,968 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,146,000 | 1,824 |
| Total noninterest expense | $7,338,000 | 2,007 |
| Salaries and employee benefits | $3,206,000 | 2,052 |
| Premises and equipment expense | $1,544,000 | 1,405 |
| Additional noninterest expense | $2,588,000 | 2,256 |
| Pre-tax net operating income | $1,678,000 | 3,656 |
| Securities gains (losses) | $331,000 | 1,448 |
| Applicable income taxes | $707,000 | 2,943 |
| Income before extraordinary items | $1,302,000 | 3,526 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,302,000 | 3,570 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,305,000 | 1,314 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $2,250,000 | 287 |
| Net operating income | $1,086,850 | 3,869 |
* 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.