Home > Citizens Savings Association Federal Association > Income and Expense
Citizens Savings Association Federal Association, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,378,000 | 5,623 |
| Total interest expense | $2,569,000 | 5,402 |
| Net interest income | $2,809,000 | 5,711 |
| Provision for loan and lease losses | $35,000 | 7,226 |
| Total noninterest income | $964,000 | 3,219 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $964,000 | 1,869 |
| Total noninterest expense | $3,229,000 | 4,066 |
| Salaries and employee benefits | $1,658,000 | 3,940 |
| Premises and equipment expense | $327,000 | 5,258 |
| Additional noninterest expense | $1,244,000 | 3,673 |
| Pre-tax net operating income | $509,000 | 7,887 |
| Securities gains (losses) | $86,000 | 1,027 |
| Applicable income taxes | $177,000 | 7,479 |
| Income before extraordinary items | $418,000 | 7,472 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $418,000 | 7,471 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,952 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $357,800 | 7,882 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,154,000 | 5,855 |
| Total interest expense | $2,545,000 | 5,485 |
| Net interest income | $2,609,000 | 6,110 |
| Provision for loan and lease losses | $20,000 | 7,637 |
| Total noninterest income | $647,000 | 4,331 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $647,000 | 2,417 |
| Total noninterest expense | $2,092,000 | 5,785 |
| Salaries and employee benefits | $1,235,000 | 5,085 |
| Premises and equipment expense | $307,000 | 5,528 |
| Additional noninterest expense | $550,000 | 6,874 |
| Pre-tax net operating income | $1,144,000 | 5,434 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $369,000 | 5,228 |
| Income before extraordinary items | $775,000 | 5,571 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $775,000 | 5,570 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,500 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $775,000 | 5,554 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,472,000 | 6,171 |
| Total interest expense | $2,104,000 | 5,379 |
| Net interest income | $2,368,000 | 6,721 |
| Provision for loan and lease losses | $19,000 | 7,864 |
| Total noninterest income | $412,000 | 6,033 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $412,000 | 3,347 |
| Total noninterest expense | $1,966,000 | 6,292 |
| Salaries and employee benefits | $1,102,000 | 5,629 |
| Premises and equipment expense | $332,000 | 5,275 |
| Additional noninterest expense | $532,000 | 7,585 |
| Pre-tax net operating income | $795,000 | 6,891 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $295,000 | 5,938 |
| Income before extraordinary items | $500,000 | 7,320 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $500,000 | 7,324 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,875 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $500,000 | 7,345 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,736,000 | 6,051 |
| Total interest expense | $2,138,000 | 5,524 |
| Net interest income | $2,598,000 | 6,363 |
| Provision for loan and lease losses | $-55,000 | 12,773 |
| Total noninterest income | $660,000 | 4,629 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $660,000 | 2,703 |
| Total noninterest expense | $1,921,000 | 6,554 |
| Salaries and employee benefits | $1,125,000 | 5,540 |
| Premises and equipment expense | $329,000 | 5,469 |
| Additional noninterest expense | $467,000 | 8,546 |
| Pre-tax net operating income | $1,392,000 | 4,618 |
| Securities gains (losses) | $47,000 | 3,500 |
| Applicable income taxes | $460,000 | 4,509 |
| Income before extraordinary items | $979,000 | 4,773 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $979,000 | 4,913 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 8,297 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $947,040 | 4,673 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,589,000 | 5,821 |
| Total interest expense | $2,900,000 | 5,302 |
| Net interest income | $2,689,000 | 6,231 |
| Provision for loan and lease losses | $45,000 | 9,299 |
| Total noninterest income | $687,000 | 4,466 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $687,000 | 2,575 |
| Total noninterest expense | $1,844,000 | 6,807 |
| Salaries and employee benefits | $1,044,000 | 5,799 |
| Premises and equipment expense | $329,000 | 5,606 |
| Additional noninterest expense | $471,000 | 8,741 |
| Pre-tax net operating income | $1,487,000 | 4,062 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $516,000 | 3,901 |
| Income before extraordinary items | $971,000 | 4,618 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $971,000 | 4,667 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 5,287 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $971,000 | 4,299 |
* 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.