Home > Citizens Federal Savings Bank of Port St. Joe > Income and Expense
Citizens Federal Savings Bank of Port St. Joe, Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,772,000 | 4,119 |
| Total interest expense | $4,438,000 | 3,498 |
| Net interest income | $3,334,000 | 4,709 |
| Provision for loan and lease losses | $203,000 | 4,092 |
| Total noninterest income | $707,000 | 4,162 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $707,000 | 2,558 |
| Total noninterest expense | $2,211,000 | 5,376 |
| Salaries and employee benefits | $1,156,000 | 5,460 |
| Premises and equipment expense | $669,000 | 3,070 |
| Additional noninterest expense | $386,000 | 7,261 |
| Pre-tax net operating income | $1,627,000 | 3,666 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $607,000 | 2,950 |
| Income before extraordinary items | $1,020,000 | 4,227 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,020,000 | 4,228 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $153,000 | 3,341 |
| Cash dividends | $254,000 | 4,642 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,020,000 | 4,115 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,902,000 | 4,639 |
| Total interest expense | $4,003,000 | 3,979 |
| Net interest income | $2,899,000 | 5,272 |
| Provision for loan and lease losses | $101,000 | 5,260 |
| Total noninterest income | $618,000 | 4,339 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $618,000 | 2,594 |
| Total noninterest expense | $2,119,000 | 5,469 |
| Salaries and employee benefits | $1,132,000 | 5,450 |
| Premises and equipment expense | $620,000 | 3,171 |
| Additional noninterest expense | $367,000 | 7,427 |
| Pre-tax net operating income | $1,297,000 | 4,507 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $482,000 | 3,570 |
| Income before extraordinary items | $815,000 | 4,991 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $815,000 | 4,990 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 3,680 |
| Cash dividends | $260,000 | 4,713 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $815,000 | 4,983 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,386,000 | 5,316 |
| Total interest expense | $2,957,000 | 4,661 |
| Net interest income | $2,429,000 | 5,902 |
| Provision for loan and lease losses | $173,000 | 3,934 |
| Total noninterest income | $519,000 | 4,851 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $519,000 | 2,886 |
| Total noninterest expense | $2,106,000 | 5,489 |
| Salaries and employee benefits | $1,189,000 | 5,195 |
| Premises and equipment expense | $576,000 | 3,383 |
| Additional noninterest expense | $341,000 | 7,783 |
| Pre-tax net operating income | $669,000 | 6,436 |
| Securities gains (losses) | $130,000 | 640 |
| Applicable income taxes | $297,000 | 4,842 |
| Income before extraordinary items | $502,000 | 6,427 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $502,000 | 6,425 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 3,630 |
| Cash dividends | $275,000 | 4,706 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $418,800 | 6,859 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,466,000 | 5,326 |
| Total interest expense | $3,021,000 | 4,698 |
| Net interest income | $2,445,000 | 5,926 |
| Provision for loan and lease losses | $74,000 | 5,769 |
| Total noninterest income | $518,000 | 4,836 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $518,000 | 2,915 |
| Total noninterest expense | $1,835,000 | 5,916 |
| Salaries and employee benefits | $1,024,000 | 5,688 |
| Premises and equipment expense | $469,000 | 3,881 |
| Additional noninterest expense | $342,000 | 7,729 |
| Pre-tax net operating income | $1,054,000 | 5,262 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $392,000 | 4,475 |
| Income before extraordinary items | $662,000 | 5,757 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $662,000 | 5,756 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 4,568 |
| Cash dividends | $400,000 | 3,951 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $662,000 | 5,653 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,486,000 | 5,422 |
| Total interest expense | $3,098,000 | 4,579 |
| Net interest income | $2,388,000 | 6,232 |
| Provision for loan and lease losses | $128,000 | 4,489 |
| Total noninterest income | $661,000 | 4,141 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $661,000 | 2,309 |
| Total noninterest expense | $1,533,000 | 6,706 |
| Salaries and employee benefits | $791,000 | 6,833 |
| Premises and equipment expense | $443,000 | 4,094 |
| Additional noninterest expense | $299,000 | 8,326 |
| Pre-tax net operating income | $1,388,000 | 4,743 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $512,000 | 4,144 |
| Income before extraordinary items | $876,000 | 5,140 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $876,000 | 5,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 5,298 |
| Cash dividends | $167,000 | 5,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $876,000 | 5,091 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,025,000 | 5,908 |
| Total interest expense | $2,811,000 | 5,054 |
| Net interest income | $2,214,000 | 6,740 |
| Provision for loan and lease losses | $56,000 | 6,391 |
| Total noninterest income | $523,000 | 5,015 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $523,000 | 2,831 |
| Total noninterest expense | $1,831,000 | 6,318 |
| Salaries and employee benefits | $713,000 | 7,438 |
| Premises and equipment expense | $324,000 | 5,293 |
| Additional noninterest expense | $794,000 | 5,227 |
| Pre-tax net operating income | $850,000 | 6,296 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $312,000 | 5,714 |
| Income before extraordinary items | $538,000 | 6,637 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $538,000 | 6,640 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 6,315 |
| Cash dividends | $129,000 | 6,291 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $538,000 | 6,578 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,477,000 | 6,482 |
| Total interest expense | $2,539,000 | 5,494 |
| Net interest income | $1,938,000 | 7,440 |
| Provision for loan and lease losses | $57,000 | 5,968 |
| Total noninterest income | $620,000 | 4,466 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $620,000 | 2,483 |
| Total noninterest expense | $1,357,000 | 7,720 |
| Salaries and employee benefits | $647,000 | 8,083 |
| Premises and equipment expense | $384,000 | 4,698 |
| Additional noninterest expense | $326,000 | 8,964 |
| Pre-tax net operating income | $1,144,000 | 5,434 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $417,000 | 4,805 |
| Income before extraordinary items | $727,000 | 5,832 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $727,000 | 5,829 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 7,103 |
| Cash dividends | $343,000 | 4,245 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $727,000 | 5,815 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,492,000 | 7,333 |
| Total interest expense | $1,822,000 | 6,011 |
| Net interest income | $1,670,000 | 8,384 |
| Provision for loan and lease losses | $30,000 | 7,083 |
| Total noninterest income | $610,000 | 4,599 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $610,000 | 2,554 |
| Total noninterest expense | $1,252,000 | 8,410 |
| Salaries and employee benefits | $620,000 | 8,487 |
| Premises and equipment expense | $335,000 | 5,238 |
| Additional noninterest expense | $297,000 | 9,995 |
| Pre-tax net operating income | $998,000 | 5,961 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $368,000 | 5,069 |
| Income before extraordinary items | $630,000 | 6,334 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $630,000 | 6,347 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 4,456 |
| Cash dividends | $344,000 | 4,138 |
| Sale, conversion, retirement of capital stock, net | $28,000 | 981 |
| Net operating income | $630,000 | 6,414 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,271,000 | 7,884 |
| Total interest expense | $1,689,000 | 6,659 |
| Net interest income | $1,582,000 | 8,856 |
| Provision for loan and lease losses | $17,000 | 9,280 |
| Total noninterest income | $514,000 | 5,502 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $514,000 | 3,218 |
| Total noninterest expense | $1,141,000 | 9,153 |
| Salaries and employee benefits | $581,000 | 8,970 |
| Premises and equipment expense | $312,000 | 5,663 |
| Additional noninterest expense | $248,000 | 11,112 |
| Pre-tax net operating income | $938,000 | 6,173 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $336,000 | 5,656 |
| Income before extraordinary items | $602,000 | 6,763 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $602,000 | 6,932 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 8,132 |
| Cash dividends | $338,000 | 4,080 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 1,184 |
| Net operating income | $602,000 | 6,525 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,392,000 | 8,338 |
| Total interest expense | $1,858,000 | 7,453 |
| Net interest income | $1,534,000 | 9,165 |
| Provision for loan and lease losses | $65,000 | 8,399 |
| Total noninterest income | $358,000 | 7,002 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $358,000 | 3,975 |
| Total noninterest expense | $1,124,000 | 9,392 |
| Salaries and employee benefits | $533,000 | 9,445 |
| Premises and equipment expense | $353,000 | 5,331 |
| Additional noninterest expense | $238,000 | 11,701 |
| Pre-tax net operating income | $703,000 | 7,077 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $201,000 | 7,542 |
| Income before extraordinary items | $502,000 | 7,318 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $502,000 | 7,411 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 8,614 |
| Cash dividends | $322,000 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $71,000 | 883 |
| Net operating income | $502,000 | 6,936 |
* 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.