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Citizens First National Bank, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$4,144,0006,359
Total interest expense$1,606,0006,961
Net interest income$2,538,0005,795
Provision for loan and lease losses$10,0008,212
Total noninterest income$411,0005,520
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$338,0003,579
Trading account gains and feesNANA
Additional Noninterest Income$73,0007,394
Total noninterest expense$2,241,0005,146
Salaries and employee benefits$1,132,0005,294
Premises and equipment expense$379,0004,607
Additional noninterest expense$730,0004,989
Pre-tax net operating income$698,0006,488
Securities gains (losses)$-1,0009,769
Applicable income taxes$235,0005,782
Income before extraordinary items$462,0006,840
Extraordinary gains, net$032
Net income$462,0006,838
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$45,0005,129
Cash dividends$88,0006,418
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$462,6606,734
1997-12-31 (YTD Data)Rank
Total interest income$3,919,0006,733
Total interest expense$1,547,0007,237
Net interest income$2,372,0006,257
Provision for loan and lease losses$08,829
Total noninterest income$440,0005,405
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$358,0003,538
Trading account gains and feesNANA
Additional Noninterest Income$82,0007,323
Total noninterest expense$2,182,0005,322
Salaries and employee benefits$1,138,0005,321
Premises and equipment expense$391,0004,520
Additional noninterest expense$653,0005,486
Pre-tax net operating income$630,0007,289
Securities gains (losses)$-1,0009,009
Applicable income taxes$157,0007,502
Income before extraordinary items$472,0007,154
Extraordinary gains, net$044
Net income$472,0007,155
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$43,0005,394
Cash dividends$77,0006,808
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$472,7507,105
1996-12-31 (YTD Data)Rank
Total interest income$3,570,0007,302
Total interest expense$1,252,0008,234
Net interest income$2,318,0006,532
Provision for loan and lease losses$79,0005,643
Total noninterest income$510,0005,090
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$368,0003,596
Trading account gains and feesNANA
Additional Noninterest Income$142,0006,132
Total noninterest expense$2,181,0005,577
Salaries and employee benefits$1,110,0005,547
Premises and equipment expense$399,0004,546
Additional noninterest expense$672,0005,909
Pre-tax net operating income$568,0007,581
Securities gains (losses)$-8,00010,177
Applicable income taxes$197,0007,178
Income before extraordinary items$363,0007,908
Extraordinary gains, net$053
Net income$363,0007,908
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$66,0004,754
Cash dividends$60,0007,342
Sale, conversion, retirement of capital stock, net$0953
Net operating income$368,2007,813
1995-12-31 (YTD Data)Rank
Total interest income$3,619,0007,405
Total interest expense$1,342,0008,137
Net interest income$2,277,0006,733
Provision for loan and lease losses$146,0003,710
Total noninterest income$461,0005,472
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$388,0003,455
Trading account gains and feesNANA
Additional Noninterest Income$73,0008,234
Total noninterest expense$2,228,0005,495
Salaries and employee benefits$1,053,0005,802
Premises and equipment expense$409,0004,452
Additional noninterest expense$758,0005,477
Pre-tax net operating income$372,0009,248
Securities gains (losses)$-1,0009,017
Applicable income taxes$77,0009,650
Income before extraordinary items$294,0009,006
Extraordinary gains, net$065
Net income$294,0009,011
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$91,0003,961
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$294,7908,961
1994-12-31 (YTD Data)Rank
Total interest income$3,440,0007,427
Total interest expense$1,222,0007,813
Net interest income$2,218,0007,048
Provision for loan and lease losses$131,0003,877
Total noninterest income$493,0005,342
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$359,0003,750
Trading account gains and feesNANA
Additional Noninterest Income$134,0006,565
Total noninterest expense$2,199,0005,746
Salaries and employee benefits$941,0006,405
Premises and equipment expense$397,0004,614
Additional noninterest expense$861,0005,376
Pre-tax net operating income$381,0009,510
Securities gains (losses)$5,0002,624
Applicable income taxes$153,0008,250
Income before extraordinary items$233,0009,885
Extraordinary gains, net$0249
Net income$233,0009,898
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$170,0002,765
Cash dividends$54,0007,843
Sale, conversion, retirement of capital stock, net$28,000981
Net operating income$229,8009,993
1993-12-31 (YTD Data)Rank
Total interest income$3,398,0007,677
Total interest expense$1,225,0008,163
Net interest income$2,173,0007,247
Provision for loan and lease losses$010,371
Total noninterest income$440,0006,087
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$367,0003,720
Trading account gains and feesNANA
Additional Noninterest Income$73,0008,943
Total noninterest expense$2,083,0006,121
Salaries and employee benefits$933,0006,530
Premises and equipment expense$376,0004,957
Additional noninterest expense$774,0006,085
Pre-tax net operating income$530,0008,451
Securities gains (losses)$10,0005,473
Applicable income taxes$214,0007,358
Income before extraordinary items$326,0009,170
Extraordinary gains, net$03,149
Net income$326,0009,341
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$14,0008,222
Cash dividends$54,0007,865
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$319,6008,990
1992-12-31 (YTD Data)Rank
Total interest income$3,456,0008,249
Total interest expense$1,373,0008,949
Net interest income$2,083,0007,534
Provision for loan and lease losses$011,756
Total noninterest income$458,0005,999
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$361,0003,810
Trading account gains and feesNANA
Additional Noninterest Income$97,0008,166
Total noninterest expense$1,932,0006,557
Salaries and employee benefits$829,0007,068
Premises and equipment expense$350,0005,369
Additional noninterest expense$753,0006,401
Pre-tax net operating income$609,0007,644
Securities gains (losses)$55,0003,959
Applicable income taxes$226,0007,072
Income before extraordinary items$438,0007,850
Extraordinary gains, net$01,422
Net income$438,0007,969
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$33,0008,345
Cash dividends$109,0006,415
Sale, conversion, retirement of capital stock, net$65,000894
Net operating income$401,7007,847

* 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.