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Citizens Deposit Bank, Income and Expense

1999-12-31 (YTD Data)Rank
Total interest income$2,962,0007,428
Total interest expense$1,283,0007,442
Net interest income$1,679,0007,230
Provision for loan and lease losses$08,503
Total noninterest income$219,0007,262
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$161,0005,672
Trading account gains and feesNANA
Additional Noninterest Income$58,0007,783
Total noninterest expense$1,185,0007,605
Salaries and employee benefits$450,0008,619
Premises and equipment expense$86,0008,905
Additional noninterest expense$649,0005,527
Pre-tax net operating income$713,0006,270
Securities gains (losses)$03,155
Applicable income taxes$318,0004,683
Income before extraordinary items$395,0007,021
Extraordinary gains, net$035
Net income$395,0007,021
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$12,0006,647
Cash dividends$610,0003,109
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$395,0006,991
1998-12-31 (YTD Data)Rank
Total interest income$2,814,0007,745
Total interest expense$1,384,0007,457
Net interest income$1,430,0007,838
Provision for loan and lease losses$08,652
Total noninterest income$216,0007,380
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$154,0005,859
Trading account gains and feesNANA
Additional Noninterest Income$62,0007,734
Total noninterest expense$1,352,0007,094
Salaries and employee benefits$463,0008,587
Premises and equipment expense$79,0009,163
Additional noninterest expense$810,0004,633
Pre-tax net operating income$294,0008,427
Securities gains (losses)$04,449
Applicable income taxes$179,0006,436
Income before extraordinary items$115,0009,224
Extraordinary gains, net$032
Net income$115,0009,224
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$45,0005,129
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$115,0009,153
1997-12-31 (YTD Data)Rank
Total interest income$2,794,0008,013
Total interest expense$1,329,0007,779
Net interest income$1,465,0008,058
Provision for loan and lease losses$08,829
Total noninterest income$179,0008,138
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$127,0006,626
Trading account gains and feesNANA
Additional Noninterest Income$52,0008,342
Total noninterest expense$1,277,0007,419
Salaries and employee benefits$444,0008,983
Premises and equipment expense$58,00010,005
Additional noninterest expense$775,0004,844
Pre-tax net operating income$367,0008,628
Securities gains (losses)$2,0003,292
Applicable income taxes$208,0006,773
Income before extraordinary items$161,0009,486
Extraordinary gains, net$044
Net income$161,0009,488
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$6,0007,728
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$159,7209,462
1996-12-31 (YTD Data)Rank
Total interest income$2,735,0008,365
Total interest expense$1,222,0008,314
Net interest income$1,513,0008,243
Provision for loan and lease losses$6,0008,753
Total noninterest income$175,0008,605
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$121,0007,040
Trading account gains and feesNANA
Additional Noninterest Income$54,0008,719
Total noninterest expense$1,330,0007,576
Salaries and employee benefits$483,0009,011
Premises and equipment expense$43,00010,829
Additional noninterest expense$804,0005,177
Pre-tax net operating income$352,0008,796
Securities gains (losses)$04,148
Applicable income taxes$202,0007,112
Income before extraordinary items$150,0009,792
Extraordinary gains, net$053
Net income$150,0009,792
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$21,0006,676
Cash dividends$1,500,0001,563
Sale, conversion, retirement of capital stock, net$0953
Net operating income$150,0009,731
1995-12-31 (YTD Data)Rank
Total interest income$356,00011,853
Total interest expense$150,00011,811
Net interest income$206,00011,857
Provision for loan and lease losses$3,0008,797
Total noninterest income$19,00011,786
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$16,00010,084
Trading account gains and feesNANA
Additional Noninterest Income$3,00011,841
Total noninterest expense$127,00011,942
Salaries and employee benefits$56,00011,936
Premises and equipment expense$7,00011,920
Additional noninterest expense$64,00011,842
Pre-tax net operating income$95,00011,112
Securities gains (losses)$03,831
Applicable income taxes$45,00010,268
Income before extraordinary items$50,00011,286
Extraordinary gains, net$065
Net income$50,00011,285
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$29,0006,055
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$50,00011,254
1994-12-31 (YTD Data)Rank
Total interest income$2,462,0008,970
Total interest expense$838,0009,402
Net interest income$1,624,0008,519
Provision for loan and lease losses$85,0004,903
Total noninterest income$137,0009,976
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$118,0007,644
Trading account gains and feesNANA
Additional Noninterest Income$19,00011,499
Total noninterest expense$1,029,0009,249
Salaries and employee benefits$666,0008,148
Premises and equipment expense$64,00011,169
Additional noninterest expense$299,0009,976
Pre-tax net operating income$647,0007,736
Securities gains (losses)$03,600
Applicable income taxes$220,0007,005
Income before extraordinary items$427,0007,926
Extraordinary gains, net$0249
Net income$427,0007,936
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$25,0006,267
Cash dividends$300,0004,418
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$427,0007,970
1993-12-31 (YTD Data)Rank
Total interest income$2,397,0009,394
Total interest expense$861,0009,735
Net interest income$1,536,0008,997
Provision for loan and lease losses$36,0008,112
Total noninterest income$137,00010,480
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$119,0007,868
Trading account gains and feesNANA
Additional Noninterest Income$18,00012,177
Total noninterest expense$1,004,0009,710
Salaries and employee benefits$629,0008,564
Premises and equipment expense$72,00011,428
Additional noninterest expense$303,00010,412
Pre-tax net operating income$633,0007,732
Securities gains (losses)$07,477
Applicable income taxes$213,0007,377
Income before extraordinary items$420,0008,236
Extraordinary gains, net$7,0003,012
Net income$427,0008,323
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$9,0008,678
Cash dividends$339,0004,076
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$420,0007,964
1992-12-31 (YTD Data)Rank
Total interest income$2,557,0009,803
Total interest expense$1,146,0009,802
Net interest income$1,411,0009,586
Provision for loan and lease losses$61,0008,508
Total noninterest income$142,00010,654
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$123,0007,877
Trading account gains and feesNANA
Additional Noninterest Income$19,00012,651
Total noninterest expense$909,00010,431
Salaries and employee benefits$575,0009,031
Premises and equipment expense$47,00012,796
Additional noninterest expense$287,00011,020
Pre-tax net operating income$583,0007,847
Securities gains (losses)$08,369
Applicable income taxes$188,0007,803
Income before extraordinary items$395,0008,271
Extraordinary gains, net$01,422
Net income$395,0008,398
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$18,0009,274
Cash dividends$305,0003,957
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$395,0007,911

* 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.