Home > Citizens Federal Savings Bank > Income and Expense
Citizens Federal Savings Bank, Income and Expense
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,805,000 | 4,667 |
| Total interest expense | $2,541,000 | 4,051 |
| Net interest income | $3,264,000 | 4,996 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $583,000 | 4,805 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $583,000 | 3,019 |
| Total noninterest expense | $2,924,000 | 4,545 |
| Salaries and employee benefits | $1,150,000 | 5,635 |
| Premises and equipment expense | $539,000 | 3,728 |
| Additional noninterest expense | $1,235,000 | 3,531 |
| Pre-tax net operating income | $923,000 | 5,409 |
| Securities gains (losses) | $82,000 | 1,935 |
| Applicable income taxes | $362,000 | 4,094 |
| Income before extraordinary items | $643,000 | 5,779 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $643,000 | 5,778 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-34,000 | 9,072 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $590,520 | 5,868 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,769,000 | 4,541 |
| Total interest expense | $3,477,000 | 4,230 |
| Net interest income | $3,292,000 | 4,760 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $510,000 | 5,011 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $510,000 | 3,098 |
| Total noninterest expense | $2,970,000 | 4,364 |
| Salaries and employee benefits | $1,505,000 | 4,497 |
| Premises and equipment expense | $734,000 | 2,837 |
| Additional noninterest expense | $731,000 | 5,114 |
| Pre-tax net operating income | $832,000 | 5,383 |
| Securities gains (losses) | $226,000 | 1,094 |
| Applicable income taxes | $355,000 | 3,952 |
| Income before extraordinary items | $703,000 | 5,216 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $703,000 | 5,220 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 4,619 |
| Cash dividends | $118,000 | 5,629 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $553,840 | 5,709 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,795,000 | 4,690 |
| Total interest expense | $3,719,000 | 4,195 |
| Net interest income | $3,076,000 | 5,064 |
| Provision for loan and lease losses | $50,000 | 6,512 |
| Total noninterest income | $693,000 | 4,023 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $693,000 | 2,379 |
| Total noninterest expense | $2,971,000 | 4,269 |
| Salaries and employee benefits | $1,403,000 | 4,611 |
| Premises and equipment expense | $805,000 | 2,554 |
| Additional noninterest expense | $763,000 | 4,888 |
| Pre-tax net operating income | $748,000 | 6,050 |
| Securities gains (losses) | $7,000 | 1,253 |
| Applicable income taxes | $273,000 | 4,785 |
| Income before extraordinary items | $482,000 | 6,416 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $482,000 | 6,414 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 9,312 |
| Cash dividends | $97,000 | 6,015 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $477,520 | 6,457 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,150,000 | 4,864 |
| Total interest expense | $3,238,000 | 4,318 |
| Net interest income | $2,912,000 | 5,277 |
| Provision for loan and lease losses | $45,000 | 6,711 |
| Total noninterest income | $627,000 | 4,303 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $627,000 | 2,553 |
| Total noninterest expense | $2,886,000 | 4,341 |
| Salaries and employee benefits | $1,309,000 | 4,844 |
| Premises and equipment expense | $785,000 | 2,580 |
| Additional noninterest expense | $792,000 | 4,820 |
| Pre-tax net operating income | $608,000 | 6,678 |
| Securities gains (losses) | $26,000 | 1,258 |
| Applicable income taxes | $225,000 | 5,456 |
| Income before extraordinary items | $409,000 | 6,935 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $409,000 | 6,934 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 4,540 |
| Cash dividends | $97,000 | 6,154 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $392,100 | 7,002 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,390,000 | 4,758 |
| Total interest expense | $3,463,000 | 4,172 |
| Net interest income | $2,927,000 | 5,220 |
| Provision for loan and lease losses | $176,000 | 3,841 |
| Total noninterest income | $538,000 | 4,726 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $538,000 | 2,849 |
| Total noninterest expense | $2,997,000 | 4,125 |
| Salaries and employee benefits | $1,365,000 | 4,582 |
| Premises and equipment expense | $793,000 | 2,473 |
| Additional noninterest expense | $839,000 | 4,525 |
| Pre-tax net operating income | $292,000 | 8,440 |
| Securities gains (losses) | $38,000 | 1,949 |
| Applicable income taxes | $126,000 | 7,158 |
| Income before extraordinary items | $204,000 | 8,591 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $204,000 | 8,590 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $280,000 | 1,958 |
| Cash dividends | $197,000 | 5,436 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $179,680 | 8,702 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,133,000 | 4,979 |
| Total interest expense | $3,260,000 | 4,385 |
| Net interest income | $2,873,000 | 5,483 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $503,000 | 4,979 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $503,000 | 2,813 |
| Total noninterest expense | $2,885,000 | 4,237 |
| Salaries and employee benefits | $1,306,000 | 4,766 |
| Premises and equipment expense | $678,000 | 2,828 |
| Additional noninterest expense | $901,000 | 4,307 |
| Pre-tax net operating income | $491,000 | 7,971 |
| Securities gains (losses) | $98,000 | 990 |
| Applicable income taxes | $210,000 | 6,756 |
| Income before extraordinary items | $379,000 | 7,786 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $379,000 | 7,789 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-56,000 | 10,573 |
| Cash dividends | $195,000 | 5,470 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $316,280 | 8,210 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,841,000 | 5,285 |
| Total interest expense | $3,122,000 | 4,608 |
| Net interest income | $2,719,000 | 5,845 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $446,000 | 5,575 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $446,000 | 3,161 |
| Total noninterest expense | $3,539,000 | 3,737 |
| Salaries and employee benefits | $1,236,000 | 5,073 |
| Premises and equipment expense | $664,000 | 2,931 |
| Additional noninterest expense | $1,639,000 | 2,904 |
| Pre-tax net operating income | $-374,000 | 11,181 |
| Securities gains (losses) | $54,000 | 1,285 |
| Applicable income taxes | $-111,000 | 11,183 |
| Income before extraordinary items | $-209,000 | 11,117 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-209,000 | 11,116 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 5,431 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-244,100 | 11,109 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,849,000 | 5,314 |
| Total interest expense | $3,110,000 | 4,600 |
| Net interest income | $2,739,000 | 5,907 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $440,000 | 5,631 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $440,000 | 3,118 |
| Total noninterest expense | $2,770,000 | 4,571 |
| Salaries and employee benefits | $1,214,000 | 5,172 |
| Premises and equipment expense | $548,000 | 3,473 |
| Additional noninterest expense | $1,008,000 | 4,321 |
| Pre-tax net operating income | $409,000 | 9,011 |
| Securities gains (losses) | $99,000 | 969 |
| Applicable income taxes | $193,000 | 7,539 |
| Income before extraordinary items | $315,000 | 8,785 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $315,000 | 8,789 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 7,018 |
| Cash dividends | $98,000 | 6,903 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $251,640 | 9,384 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,644,000 | 5,130 |
| Total interest expense | $2,582,000 | 4,514 |
| Net interest income | $3,062,000 | 5,536 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $307,000 | 7,168 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $307,000 | 4,026 |
| Total noninterest expense | $2,639,000 | 4,925 |
| Salaries and employee benefits | $1,132,000 | 5,516 |
| Premises and equipment expense | $620,000 | 3,171 |
| Additional noninterest expense | $887,000 | 5,236 |
| Pre-tax net operating income | $730,000 | 7,241 |
| Securities gains (losses) | $41,000 | 1,276 |
| Applicable income taxes | $272,000 | 6,230 |
| Income before extraordinary items | $499,000 | 7,331 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $499,000 | 7,335 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 10,867 |
| Cash dividends | $98,000 | 7,005 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $472,350 | 7,562 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,969,000 | 4,978 |
| Total interest expense | $2,586,000 | 4,669 |
| Net interest income | $3,383,000 | 5,106 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $264,000 | 8,151 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $264,000 | 4,836 |
| Total noninterest expense | $2,632,000 | 5,045 |
| Salaries and employee benefits | $1,121,000 | 5,551 |
| Premises and equipment expense | $619,000 | 3,231 |
| Additional noninterest expense | $892,000 | 5,410 |
| Pre-tax net operating income | $1,015,000 | 5,836 |
| Securities gains (losses) | $186,000 | 1,775 |
| Applicable income taxes | $471,000 | 4,396 |
| Income before extraordinary items | $730,000 | 5,930 |
| Extraordinary gains, net | $174,000 | 1,109 |
| Net income | $904,000 | 5,224 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 11,785 |
| Cash dividends | $98,000 | 7,022 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $610,960 | 6,451 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,402,000 | 5,209 |
| Total interest expense | $2,975,000 | 5,201 |
| Net interest income | $3,427,000 | 5,100 |
| Provision for loan and lease losses | $158,000 | 5,947 |
| Total noninterest income | $411,000 | 6,456 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $411,000 | 3,642 |
| Total noninterest expense | $2,461,000 | 5,387 |
| Salaries and employee benefits | $1,010,000 | 5,970 |
| Premises and equipment expense | $599,000 | 3,360 |
| Additional noninterest expense | $852,000 | 5,781 |
| Pre-tax net operating income | $1,219,000 | 4,858 |
| Securities gains (losses) | $368,000 | 1,353 |
| Applicable income taxes | $662,000 | 3,139 |
| Income before extraordinary items | $925,000 | 4,833 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $925,000 | 4,883 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 7,980 |
| Cash dividends | $91,000 | 6,809 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $689,480 | 5,651 |
* 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.