Home > Citizens National Bank > Income and Expense
Citizens National Bank, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,096,000 | 5,501 |
| Total interest expense | $2,012,000 | 5,979 |
| Net interest income | $3,084,000 | 5,044 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $722,000 | 3,907 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $525,000 | 2,522 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $197,000 | 4,971 |
| Total noninterest expense | $3,597,000 | 3,634 |
| Salaries and employee benefits | $1,747,000 | 3,838 |
| Premises and equipment expense | $338,000 | 5,088 |
| Additional noninterest expense | $1,512,000 | 2,844 |
| Pre-tax net operating income | $209,000 | 8,538 |
| Securities gains (losses) | $-4,000 | 9,004 |
| Applicable income taxes | $88,000 | 7,104 |
| Income before extraordinary items | $117,000 | 8,846 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $117,000 | 8,843 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-35,000 | 9,790 |
| Cash dividends | $400,000 | 3,903 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $119,560 | 8,799 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,496,000 | 5,304 |
| Total interest expense | $2,445,000 | 5,442 |
| Net interest income | $3,051,000 | 5,079 |
| Provision for loan and lease losses | $1,000 | 8,622 |
| Total noninterest income | $708,000 | 3,943 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $514,000 | 2,499 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $194,000 | 5,040 |
| Total noninterest expense | $3,171,000 | 3,920 |
| Salaries and employee benefits | $1,635,000 | 3,970 |
| Premises and equipment expense | $324,000 | 5,135 |
| Additional noninterest expense | $1,212,000 | 3,342 |
| Pre-tax net operating income | $587,000 | 6,986 |
| Securities gains (losses) | $19,000 | 2,467 |
| Applicable income taxes | $243,000 | 5,712 |
| Income before extraordinary items | $363,000 | 7,460 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $363,000 | 7,459 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 9,719 |
| Cash dividends | $500,000 | 3,496 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $350,840 | 7,450 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $936,000 | 10,367 |
| Total interest expense | $425,000 | 10,277 |
| Net interest income | $511,000 | 10,355 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $127,000 | 8,945 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $86,000 | 7,514 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $41,000 | 8,825 |
| Total noninterest expense | $645,000 | 9,570 |
| Salaries and employee benefits | $284,000 | 10,074 |
| Premises and equipment expense | $53,000 | 10,130 |
| Additional noninterest expense | $308,000 | 8,241 |
| Pre-tax net operating income | $-7,000 | 10,392 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $7,000 | 9,935 |
| Income before extraordinary items | $-14,000 | 10,421 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-14,000 | 10,424 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-32,000 | 10,378 |
| Cash dividends | $2,600,000 | 1,057 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-14,000 | 10,385 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,351,000 | 5,642 |
| Total interest expense | $2,298,000 | 5,850 |
| Net interest income | $3,053,000 | 5,363 |
| Provision for loan and lease losses | $-10,000 | 11,091 |
| Total noninterest income | $749,000 | 3,882 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $578,000 | 2,348 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $171,000 | 5,587 |
| Total noninterest expense | $2,759,000 | 4,617 |
| Salaries and employee benefits | $1,528,000 | 4,245 |
| Premises and equipment expense | $308,000 | 5,488 |
| Additional noninterest expense | $923,000 | 4,668 |
| Pre-tax net operating income | $1,053,000 | 5,558 |
| Securities gains (losses) | $40,000 | 1,495 |
| Applicable income taxes | $259,000 | 6,327 |
| Income before extraordinary items | $834,000 | 5,141 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $834,000 | 5,140 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-34,000 | 10,893 |
| Cash dividends | $739,000 | 2,657 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $803,600 | 5,223 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,980,000 | 6,001 |
| Total interest expense | $2,081,000 | 6,297 |
| Net interest income | $2,899,000 | 5,646 |
| Provision for loan and lease losses | $-30,000 | 11,519 |
| Total noninterest income | $754,000 | 3,857 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $576,000 | 2,351 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $178,000 | 5,476 |
| Total noninterest expense | $2,497,000 | 4,998 |
| Salaries and employee benefits | $1,424,000 | 4,494 |
| Premises and equipment expense | $305,000 | 5,563 |
| Additional noninterest expense | $768,000 | 5,429 |
| Pre-tax net operating income | $1,186,000 | 5,284 |
| Securities gains (losses) | $15,000 | 2,090 |
| Applicable income taxes | $391,000 | 5,024 |
| Income before extraordinary items | $810,000 | 5,399 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $810,000 | 5,396 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-33,000 | 11,271 |
| Cash dividends | $195,000 | 5,612 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $799,950 | 5,428 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,397,000 | 6,260 |
| Total interest expense | $1,482,000 | 6,946 |
| Net interest income | $2,915,000 | 5,720 |
| Provision for loan and lease losses | $-225,000 | 12,348 |
| Total noninterest income | $817,000 | 3,663 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $629,000 | 2,156 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $188,000 | 5,477 |
| Total noninterest expense | $2,645,000 | 4,915 |
| Salaries and employee benefits | $1,432,000 | 4,462 |
| Premises and equipment expense | $286,000 | 5,920 |
| Additional noninterest expense | $927,000 | 5,049 |
| Pre-tax net operating income | $1,312,000 | 4,911 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $430,000 | 4,520 |
| Income before extraordinary items | $882,000 | 4,991 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $882,000 | 4,996 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $183,000 | 2,637 |
| Cash dividends | $196,000 | 5,570 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $882,000 | 5,042 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,256,000 | 6,571 |
| Total interest expense | $1,385,000 | 7,597 |
| Net interest income | $2,871,000 | 5,851 |
| Provision for loan and lease losses | $-105,000 | 12,920 |
| Total noninterest income | $845,000 | 3,818 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $582,000 | 2,359 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $263,000 | 4,852 |
| Total noninterest expense | $2,627,000 | 5,056 |
| Salaries and employee benefits | $1,319,000 | 4,814 |
| Premises and equipment expense | $235,000 | 6,992 |
| Additional noninterest expense | $1,073,000 | 4,638 |
| Pre-tax net operating income | $1,194,000 | 5,200 |
| Securities gains (losses) | $114,000 | 2,310 |
| Applicable income taxes | $355,000 | 5,435 |
| Income before extraordinary items | $953,000 | 4,866 |
| Extraordinary gains, net | $128,000 | 1,362 |
| Net income | $1,081,000 | 4,513 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 4,789 |
| Cash dividends | $78,000 | 7,356 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $869,780 | 5,004 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,753,000 | 6,625 |
| Total interest expense | $1,881,000 | 7,398 |
| Net interest income | $2,872,000 | 5,921 |
| Provision for loan and lease losses | $-136,000 | 13,751 |
| Total noninterest income | $798,000 | 3,982 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $616,000 | 2,213 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $182,000 | 5,992 |
| Total noninterest expense | $2,495,000 | 5,318 |
| Salaries and employee benefits | $1,168,000 | 5,295 |
| Premises and equipment expense | $193,000 | 8,002 |
| Additional noninterest expense | $1,134,000 | 4,571 |
| Pre-tax net operating income | $1,311,000 | 4,575 |
| Securities gains (losses) | $8,000 | 6,653 |
| Applicable income taxes | $363,000 | 5,177 |
| Income before extraordinary items | $956,000 | 4,686 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $956,000 | 4,737 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 7,683 |
| Cash dividends | $78,000 | 7,070 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $950,240 | 4,393 |
* 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.