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Citizens National Bank of Madison, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$142,000	11,397
Total interest expense	$59,000	11,358
Net interest income	$83,000	11,401
Provision for loan and lease losses	$195,000	3,475
Total noninterest income	$21,000	11,230
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$11,000	9,736
Trading account gains and fees	NA	NA
Additional Noninterest Income	$10,000	10,975
Total noninterest expense	$198,000	11,370
Salaries and employee benefits	$33,000	11,424
Premises and equipment expense	$70,000	10,079
Additional noninterest expense	$95,000	11,123
Pre-tax net operating income	$-289,000	11,134
Securities gains (losses)	$0	4,148
Applicable income taxes	$-22,000	10,997
Income before extraordinary items	$-267,000	11,156
Extraordinary gains, net	$0	53
Net income	$-267,000	11,155
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,805
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$1,644,000	325
Net operating income	$-267,000	11,122
1995-12-31 (YTD Data)		Rank
Total interest income	$3,731,000	7,276
Total interest expense	$1,829,000	6,833
Net interest income	$1,902,000	7,532
Provision for loan and lease losses	$104,000	4,516
Total noninterest income	$531,000	4,963
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$293,000	4,382
Trading account gains and fees	NA	NA
Additional Noninterest Income	$238,000	4,622
Total noninterest expense	$1,768,000	6,549
Salaries and employee benefits	$831,000	6,946
Premises and equipment expense	$292,000	5,753
Additional noninterest expense	$645,000	6,231
Pre-tax net operating income	$561,000	8,114
Securities gains (losses)	$4,000	2,936
Applicable income taxes	$223,000	7,049
Income before extraordinary items	$342,000	8,553
Extraordinary gains, net	$0	65
Net income	$342,000	8,557
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$92,000	3,939
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$339,440	8,543
1994-12-31 (YTD Data)		Rank
Total interest income	$2,552,000	8,820
Total interest expense	$1,030,000	8,562
Net interest income	$1,522,000	8,821
Provision for loan and lease losses	$17,000	7,997
Total noninterest income	$393,000	6,209
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$219,000	5,521
Trading account gains and fees	NA	NA
Additional Noninterest Income	$174,000	5,742
Total noninterest expense	$1,460,000	7,728
Salaries and employee benefits	$677,000	8,049
Premises and equipment expense	$280,000	6,002
Additional noninterest expense	$503,000	7,819
Pre-tax net operating income	$438,000	9,073
Securities gains (losses)	$-71,000	11,310
Applicable income taxes	$43,000	10,643
Income before extraordinary items	$324,000	8,890
Extraordinary gains, net	$0	249
Net income	$324,000	8,894
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$40,000	5,521
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$386,480	8,356
1993-12-31 (YTD Data)		Rank
Total interest income	$2,119,000	9,951
Total interest expense	$880,000	9,634
Net interest income	$1,239,000	9,938
Provision for loan and lease losses	$50,000	7,415
Total noninterest income	$529,000	5,392
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$209,000	5,817
Trading account gains and fees	NA	NA
Additional Noninterest Income	$320,000	4,310
Total noninterest expense	$1,356,000	8,311
Salaries and employee benefits	$612,000	8,702
Premises and equipment expense	$226,000	7,166
Additional noninterest expense	$518,000	8,046
Pre-tax net operating income	$362,000	9,710
Securities gains (losses)	$0	7,477
Applicable income taxes	$81,000	10,189
Income before extraordinary items	$281,000	9,680
Extraordinary gains, net	$0	3,149
Net income	$281,000	9,828
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	8,917
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$281,000	9,419
1992-12-31 (YTD Data)		Rank
Total interest income	$2,344,000	10,203
Total interest expense	$1,081,000	10,052
Net interest income	$1,263,000	10,082
Provision for loan and lease losses	$54,000	8,887
Total noninterest income	$289,000	7,873
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$149,000	7,134
Trading account gains and fees	NA	NA
Additional Noninterest Income	$140,000	6,888
Total noninterest expense	$1,296,000	8,677
Salaries and employee benefits	$509,000	9,695
Premises and equipment expense	$195,000	7,943
Additional noninterest expense	$592,000	7,583
Pre-tax net operating income	$202,000	11,057
Securities gains (losses)	$0	8,369
Applicable income taxes	$60,000	10,985
Income before extraordinary items	$142,000	11,390
Extraordinary gains, net	$60,000	938
Net income	$202,000	10,702
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$54,000	7,390
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$142,000	11,045

* 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.