Home > Citizens National Bank > Income and Expense
Citizens National Bank, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,203,000 | 5,523 |
| Total interest expense | $2,345,000 | 5,605 |
| Net interest income | $2,858,000 | 5,325 |
| Provision for loan and lease losses | $4,166,000 | 370 |
| Total noninterest income | $375,000 | 5,814 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $275,000 | 4,205 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $100,000 | 6,633 |
| Total noninterest expense | $2,641,000 | 4,583 |
| Salaries and employee benefits | $1,221,000 | 5,011 |
| Premises and equipment expense | $505,000 | 3,670 |
| Additional noninterest expense | $915,000 | 4,233 |
| Pre-tax net operating income | $-3,574,000 | 10,436 |
| Securities gains (losses) | $202,000 | 915 |
| Applicable income taxes | $-75,000 | 10,180 |
| Income before extraordinary items | $-3,297,000 | 10,432 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-3,297,000 | 10,431 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,466,000 | 573 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-3,494,960 | 10,420 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,457,000 | 6,265 |
| Total interest expense | $2,046,000 | 6,177 |
| Net interest income | $2,411,000 | 6,199 |
| Provision for loan and lease losses | $16,000 | 8,073 |
| Total noninterest income | $371,000 | 5,977 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $59,000 | 8,175 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $312,000 | 3,831 |
| Total noninterest expense | $2,245,000 | 5,213 |
| Salaries and employee benefits | $1,125,000 | 5,374 |
| Premises and equipment expense | $418,000 | 4,296 |
| Additional noninterest expense | $702,000 | 5,209 |
| Pre-tax net operating income | $521,000 | 7,811 |
| Securities gains (losses) | $62,000 | 1,215 |
| Applicable income taxes | $218,000 | 6,646 |
| Income before extraordinary items | $365,000 | 7,880 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $365,000 | 7,883 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 3,872 |
| Cash dividends | $93,000 | 6,631 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $325,320 | 8,141 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,074,000 | 6,791 |
| Total interest expense | $2,008,000 | 6,391 |
| Net interest income | $2,066,000 | 7,012 |
| Provision for loan and lease losses | $552,000 | 1,618 |
| Total noninterest income | $363,000 | 6,294 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $259,000 | 4,701 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $104,000 | 6,999 |
| Total noninterest expense | $2,290,000 | 5,362 |
| Salaries and employee benefits | $1,169,000 | 5,325 |
| Premises and equipment expense | $347,000 | 5,035 |
| Additional noninterest expense | $774,000 | 5,330 |
| Pre-tax net operating income | $-413,000 | 11,208 |
| Securities gains (losses) | $-40,000 | 10,961 |
| Applicable income taxes | $-147,000 | 11,227 |
| Income before extraordinary items | $-306,000 | 11,186 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-306,000 | 11,185 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $374,000 | 1,761 |
| Cash dividends | $109,000 | 6,544 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-278,800 | 11,132 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,024,000 | 6,971 |
| Total interest expense | $1,920,000 | 6,646 |
| Net interest income | $2,104,000 | 7,076 |
| Provision for loan and lease losses | $45,000 | 6,418 |
| Total noninterest income | $410,000 | 5,893 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $233,000 | 5,153 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $177,000 | 5,493 |
| Total noninterest expense | $1,988,000 | 6,012 |
| Salaries and employee benefits | $997,000 | 6,088 |
| Premises and equipment expense | $286,000 | 5,843 |
| Additional noninterest expense | $705,000 | 5,817 |
| Pre-tax net operating income | $481,000 | 8,547 |
| Securities gains (losses) | $29,000 | 1,653 |
| Applicable income taxes | $101,000 | 9,160 |
| Income before extraordinary items | $409,000 | 7,978 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $409,000 | 7,977 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 5,856 |
| Cash dividends | $638,000 | 2,815 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $385,800 | 8,162 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,827,000 | 6,922 |
| Total interest expense | $1,546,000 | 6,762 |
| Net interest income | $2,281,000 | 6,898 |
| Provision for loan and lease losses | $180,000 | 3,202 |
| Total noninterest income | $596,000 | 4,689 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $227,000 | 5,388 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $369,000 | 3,583 |
| Total noninterest expense | $2,163,000 | 5,833 |
| Salaries and employee benefits | $962,000 | 6,286 |
| Premises and equipment expense | $270,000 | 6,171 |
| Additional noninterest expense | $931,000 | 5,018 |
| Pre-tax net operating income | $534,000 | 8,428 |
| Securities gains (losses) | $174,000 | 543 |
| Applicable income taxes | $177,000 | 7,765 |
| Income before extraordinary items | $531,000 | 7,064 |
| Extraordinary gains, net | $-282,000 | 12,566 |
| Net income | $249,000 | 9,721 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $137,000 | 3,137 |
| Cash dividends | $167,000 | 5,862 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $400,500 | 8,239 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,739,000 | 7,213 |
| Total interest expense | $1,550,000 | 7,055 |
| Net interest income | $2,189,000 | 7,214 |
| Provision for loan and lease losses | $97,000 | 5,852 |
| Total noninterest income | $302,000 | 7,644 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $216,000 | 5,671 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $86,000 | 8,379 |
| Total noninterest expense | $2,011,000 | 6,313 |
| Salaries and employee benefits | $937,000 | 6,500 |
| Premises and equipment expense | $284,000 | 6,125 |
| Additional noninterest expense | $790,000 | 5,979 |
| Pre-tax net operating income | $383,000 | 9,547 |
| Securities gains (losses) | $371,000 | 1,118 |
| Applicable income taxes | $251,000 | 6,774 |
| Income before extraordinary items | $503,000 | 7,526 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $503,000 | 7,713 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 4,689 |
| Cash dividends | $68,000 | 7,562 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $254,430 | 9,740 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,039,000 | 7,455 |
| Total interest expense | $1,981,000 | 7,149 |
| Net interest income | $2,058,000 | 7,593 |
| Provision for loan and lease losses | $80,000 | 7,886 |
| Total noninterest income | $286,000 | 7,919 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $212,000 | 5,774 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $74,000 | 9,109 |
| Total noninterest expense | $1,916,000 | 6,613 |
| Salaries and employee benefits | $878,000 | 6,747 |
| Premises and equipment expense | $286,000 | 6,184 |
| Additional noninterest expense | $752,000 | 6,408 |
| Pre-tax net operating income | $348,000 | 9,708 |
| Securities gains (losses) | $226,000 | 1,842 |
| Applicable income taxes | $198,000 | 7,602 |
| Income before extraordinary items | $376,000 | 8,453 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $376,000 | 8,579 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 7,125 |
| Cash dividends | $38,000 | 8,042 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $226,840 | 9,880 |
* 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.