Home > Citizens National Bank > Income and Expense
Citizens National Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $76,659,000 | 493 |
| Total interest expense | $31,585,000 | 557 |
| Net interest income | $45,074,000 | 440 |
| Provision for loan and lease losses | $2,241,000 | 536 |
| Total noninterest income | $6,273,000 | 795 |
| Gross Fiduciary activities income | $1,138,000 | 433 |
| Service charges on deposit accounts | $2,710,000 | 494 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $2,425,000 | 961 |
| Total noninterest expense | $25,052,000 | 605 |
| Salaries and employee benefits | $7,350,000 | 903 |
| Premises and equipment expense | $2,634,000 | 774 |
| Additional noninterest expense | $15,068,000 | 413 |
| Pre-tax net operating income | $24,054,000 | 393 |
| Securities gains (losses) | $479,000 | 436 |
| Applicable income taxes | $8,441,000 | 399 |
| Income before extraordinary items | $16,092,000 | 408 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $16,092,000 | 408 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,798,000 | 540 |
| Cash dividends | $20,000,000 | 229 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $15,775,860 | 397 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $73,852,000 | 543 |
| Total interest expense | $29,272,000 | 627 |
| Net interest income | $44,580,000 | 471 |
| Provision for loan and lease losses | $2,723,000 | 487 |
| Total noninterest income | $6,014,000 | 845 |
| Gross Fiduciary activities income | $986,000 | 510 |
| Service charges on deposit accounts | $2,271,000 | 600 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $2,757,000 | 935 |
| Total noninterest expense | $32,198,000 | 528 |
| Salaries and employee benefits | $8,255,000 | 831 |
| Premises and equipment expense | $3,180,000 | 708 |
| Additional noninterest expense | $20,763,000 | 412 |
| Pre-tax net operating income | $15,673,000 | 542 |
| Securities gains (losses) | $-2,091,000 | 11,429 |
| Applicable income taxes | $4,735,000 | 618 |
| Income before extraordinary items | $8,847,000 | 648 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $8,847,000 | 648 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,134,000 | 550 |
| Cash dividends | $8,000,000 | 492 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $10,206,150 | 548 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $74,262,000 | 573 |
| Total interest expense | $31,252,000 | 629 |
| Net interest income | $43,010,000 | 503 |
| Provision for loan and lease losses | $4,162,000 | 361 |
| Total noninterest income | $8,065,000 | 695 |
| Gross Fiduciary activities income | $684,000 | 646 |
| Service charges on deposit accounts | $1,783,000 | 751 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $5,598,000 | 614 |
| Total noninterest expense | $28,456,000 | 600 |
| Salaries and employee benefits | $12,512,000 | 567 |
| Premises and equipment expense | $3,854,000 | 613 |
| Additional noninterest expense | $12,090,000 | 600 |
| Pre-tax net operating income | $18,457,000 | 511 |
| Securities gains (losses) | $188,000 | 699 |
| Applicable income taxes | $6,405,000 | 523 |
| Income before extraordinary items | $12,240,000 | 515 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $12,240,000 | 515 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $350,000 | 1,753 |
| Cash dividends | $25,000,000 | 213 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $12,115,920 | 515 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $17,831,000 | 1,724 |
| Total interest expense | $5,719,000 | 2,181 |
| Net interest income | $12,112,000 | 1,490 |
| Provision for loan and lease losses | $-205,000 | 12,340 |
| Total noninterest income | $2,097,000 | 1,786 |
| Gross Fiduciary activities income | $549,000 | 708 |
| Service charges on deposit accounts | $982,000 | 1,366 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $566,000 | 2,707 |
| Total noninterest expense | $8,591,000 | 1,704 |
| Salaries and employee benefits | $4,338,000 | 1,542 |
| Premises and equipment expense | $1,147,000 | 1,793 |
| Additional noninterest expense | $3,106,000 | 1,750 |
| Pre-tax net operating income | $5,823,000 | 1,280 |
| Securities gains (losses) | $-18,000 | 10,260 |
| Applicable income taxes | $1,865,000 | 1,280 |
| Income before extraordinary items | $3,940,000 | 1,279 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $3,940,000 | 1,279 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-235,000 | 12,438 |
| Cash dividends | $2,800,000 | 858 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $3,952,240 | 1,288 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $17,203,000 | 1,823 |
| Total interest expense | $6,051,000 | 2,152 |
| Net interest income | $11,152,000 | 1,616 |
| Provision for loan and lease losses | $363,000 | 2,627 |
| Total noninterest income | $2,304,000 | 1,785 |
| Gross Fiduciary activities income | $623,000 | 682 |
| Service charges on deposit accounts | $1,181,000 | 1,140 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $500,000 | 3,266 |
| Total noninterest expense | $8,463,000 | 1,774 |
| Salaries and employee benefits | $4,125,000 | 1,631 |
| Premises and equipment expense | $1,072,000 | 1,932 |
| Additional noninterest expense | $3,266,000 | 1,781 |
| Pre-tax net operating income | $4,630,000 | 1,518 |
| Securities gains (losses) | $15,000 | 5,022 |
| Applicable income taxes | $1,422,000 | 1,642 |
| Income before extraordinary items | $3,223,000 | 1,580 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $3,223,000 | 1,628 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $125,000 | 4,080 |
| Cash dividends | $3,600,000 | 623 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $3,212,650 | 1,496 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $18,550,000 | 1,916 |
| Total interest expense | $7,500,000 | 2,262 |
| Net interest income | $11,050,000 | 1,670 |
| Provision for loan and lease losses | $1,373,000 | 1,497 |
| Total noninterest income | $2,349,000 | 1,738 |
| Gross Fiduciary activities income | $644,000 | 680 |
| Service charges on deposit accounts | $1,106,000 | 1,198 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $599,000 | 2,826 |
| Total noninterest expense | $8,153,000 | 1,854 |
| Salaries and employee benefits | $3,900,000 | 1,707 |
| Premises and equipment expense | $1,012,000 | 2,068 |
| Additional noninterest expense | $3,241,000 | 1,869 |
| Pre-tax net operating income | $3,873,000 | 1,603 |
| Securities gains (losses) | $152,000 | 2,404 |
| Applicable income taxes | $1,125,000 | 1,887 |
| Income before extraordinary items | $2,900,000 | 1,598 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,900,000 | 1,610 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,190,000 | 1,400 |
| Cash dividends | $3,108,000 | 571 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,790,560 | 1,531 |
* 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.