Home > Citizens National Bank and Trust Company > Income and Expense
Citizens National Bank and Trust Company, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,287,000 | 5,570 |
| Total interest expense | $2,994,000 | 4,726 |
| Net interest income | $2,293,000 | 6,377 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $388,000 | 5,825 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $66,000 | 7,983 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $322,000 | 3,772 |
| Total noninterest expense | $2,294,000 | 5,112 |
| Salaries and employee benefits | $1,013,000 | 5,804 |
| Premises and equipment expense | $288,000 | 5,564 |
| Additional noninterest expense | $993,000 | 3,937 |
| Pre-tax net operating income | $387,000 | 8,507 |
| Securities gains (losses) | $-2,000 | 9,246 |
| Applicable income taxes | $34,000 | 9,504 |
| Income before extraordinary items | $351,000 | 7,990 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $351,000 | 7,993 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,408 |
| Cash dividends | $60,000 | 7,029 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $352,820 | 7,920 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,992,000 | 5,936 |
| Total interest expense | $2,940,000 | 4,861 |
| Net interest income | $2,052,000 | 7,042 |
| Provision for loan and lease losses | $-100,000 | 11,258 |
| Total noninterest income | $339,000 | 6,525 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $48,000 | 8,902 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $291,000 | 4,149 |
| Total noninterest expense | $1,861,000 | 6,249 |
| Salaries and employee benefits | $971,000 | 6,125 |
| Premises and equipment expense | $290,000 | 5,723 |
| Additional noninterest expense | $600,000 | 6,357 |
| Pre-tax net operating income | $630,000 | 7,273 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $60,000 | 9,509 |
| Income before extraordinary items | $570,000 | 6,459 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $570,000 | 6,462 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 10,693 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $1,305,000 | 348 |
| Net operating income | $570,000 | 6,380 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,843,000 | 6,138 |
| Total interest expense | $2,923,000 | 4,872 |
| Net interest income | $1,920,000 | 7,485 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $340,000 | 6,600 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $48,000 | 9,304 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $292,000 | 4,063 |
| Total noninterest expense | $1,645,000 | 6,853 |
| Salaries and employee benefits | $787,000 | 7,175 |
| Premises and equipment expense | $307,000 | 5,528 |
| Additional noninterest expense | $551,000 | 6,862 |
| Pre-tax net operating income | $615,000 | 7,802 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $115,000 | 8,883 |
| Income before extraordinary items | $500,000 | 7,260 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $500,000 | 7,259 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $500,000 | 7,225 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,455,000 | 6,187 |
| Total interest expense | $2,259,000 | 5,057 |
| Net interest income | $2,196,000 | 7,097 |
| Provision for loan and lease losses | $497,000 | 1,554 |
| Total noninterest income | $338,000 | 6,803 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $53,000 | 9,590 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $285,000 | 4,238 |
| Total noninterest expense | $1,656,000 | 7,108 |
| Salaries and employee benefits | $764,000 | 7,422 |
| Premises and equipment expense | $305,000 | 5,645 |
| Additional noninterest expense | $587,000 | 7,132 |
| Pre-tax net operating income | $381,000 | 9,510 |
| Securities gains (losses) | $19,000 | 1,821 |
| Applicable income taxes | $17,000 | 11,218 |
| Income before extraordinary items | $383,000 | 8,330 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $383,000 | 8,336 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $258,000 | 2,114 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $160,000 | 727 |
| Net operating income | $364,760 | 8,555 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,914,000 | 5,869 |
| Total interest expense | $2,556,000 | 4,720 |
| Net interest income | $2,358,000 | 6,810 |
| Provision for loan and lease losses | $171,000 | 4,328 |
| Total noninterest income | $304,000 | 7,610 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $58,000 | 9,765 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $246,000 | 5,046 |
| Total noninterest expense | $1,796,000 | 6,901 |
| Salaries and employee benefits | $791,000 | 7,382 |
| Premises and equipment expense | $280,000 | 6,181 |
| Additional noninterest expense | $725,000 | 6,391 |
| Pre-tax net operating income | $695,000 | 7,391 |
| Securities gains (losses) | $523,000 | 875 |
| Applicable income taxes | $358,000 | 5,405 |
| Income before extraordinary items | $860,000 | 5,259 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $860,000 | 5,402 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $183,000 | 3,289 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $488,670 | 7,397 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,283,000 | 6,103 |
| Total interest expense | $2,953,000 | 5,235 |
| Net interest income | $2,330,000 | 6,936 |
| Provision for loan and lease losses | $30,000 | 9,956 |
| Total noninterest income | $275,000 | 8,098 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $66,000 | 9,699 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $209,000 | 5,520 |
| Total noninterest expense | $1,810,000 | 6,914 |
| Salaries and employee benefits | $839,000 | 7,005 |
| Premises and equipment expense | $257,000 | 6,653 |
| Additional noninterest expense | $714,000 | 6,670 |
| Pre-tax net operating income | $765,000 | 6,741 |
| Securities gains (losses) | $192,000 | 2,066 |
| Applicable income taxes | $289,000 | 6,086 |
| Income before extraordinary items | $668,000 | 6,117 |
| Extraordinary gains, net | $132,000 | 610 |
| Net income | $800,000 | 5,426 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 11,020 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $533,600 | 6,683 |
* 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.