Home > Citizens Savings Bank and Trust Company > Income and Expense
Citizens Savings Bank and Trust Company, Income and Expense
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,603,000 | 4,227 |
| Total interest expense | $467,000 | 4,557 |
| Net interest income | $1,136,000 | 3,992 |
| Provision for loan and lease losses | $21,000 | 5,171 |
| Total noninterest income | $208,000 | 4,062 |
| Gross Fiduciary activities income | $39,000 | 876 |
| Service charges on deposit accounts | $57,000 | 4,884 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $112,000 | 3,730 |
| Total noninterest expense | $1,046,000 | 3,532 |
| Salaries and employee benefits | $603,000 | 3,353 |
| Premises and equipment expense | $115,000 | 4,305 |
| Additional noninterest expense | $328,000 | 3,375 |
| Pre-tax net operating income | $277,000 | 4,993 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $89,000 | 4,165 |
| Income before extraordinary items | $188,000 | 5,471 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $188,000 | 5,469 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 8,385 |
| Cash dividends | $330,000 | 1,663 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $188,000 | 5,278 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,948,000 | 4,075 |
| Total interest expense | $2,296,000 | 4,378 |
| Net interest income | $4,652,000 | 3,877 |
| Provision for loan and lease losses | $200,000 | 4,344 |
| Total noninterest income | $722,000 | 4,246 |
| Gross Fiduciary activities income | $169,000 | 887 |
| Service charges on deposit accounts | $280,000 | 4,386 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $273,000 | 4,454 |
| Total noninterest expense | $3,511,000 | 3,962 |
| Salaries and employee benefits | $1,954,000 | 3,812 |
| Premises and equipment expense | $430,000 | 4,397 |
| Additional noninterest expense | $1,127,000 | 3,791 |
| Pre-tax net operating income | $1,663,000 | 3,840 |
| Securities gains (losses) | $-3,000 | 8,756 |
| Applicable income taxes | $546,000 | 3,284 |
| Income before extraordinary items | $1,114,000 | 4,288 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,114,000 | 4,289 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $130,000 | 3,757 |
| Cash dividends | $1,265,000 | 1,870 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,116,010 | 4,177 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,616,000 | 4,178 |
| Total interest expense | $3,182,000 | 4,515 |
| Net interest income | $4,434,000 | 3,814 |
| Provision for loan and lease losses | $225,000 | 3,876 |
| Total noninterest income | $738,000 | 4,062 |
| Gross Fiduciary activities income | $238,000 | 792 |
| Service charges on deposit accounts | $302,000 | 4,149 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $198,000 | 4,944 |
| Total noninterest expense | $3,432,000 | 3,887 |
| Salaries and employee benefits | $1,968,000 | 3,639 |
| Premises and equipment expense | $469,000 | 4,106 |
| Additional noninterest expense | $995,000 | 4,078 |
| Pre-tax net operating income | $1,515,000 | 3,830 |
| Securities gains (losses) | $27,000 | 2,903 |
| Applicable income taxes | $506,000 | 3,313 |
| Income before extraordinary items | $1,036,000 | 4,187 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,036,000 | 4,188 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $260,000 | 2,438 |
| Cash dividends | $1,185,000 | 2,011 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,017,910 | 4,122 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,824,000 | 4,206 |
| Total interest expense | $3,507,000 | 4,374 |
| Net interest income | $4,317,000 | 3,929 |
| Provision for loan and lease losses | $250,000 | 3,225 |
| Total noninterest income | $663,000 | 4,149 |
| Gross Fiduciary activities income | $172,000 | 832 |
| Service charges on deposit accounts | $314,000 | 3,926 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $177,000 | 5,078 |
| Total noninterest expense | $3,275,000 | 3,936 |
| Salaries and employee benefits | $1,791,000 | 3,798 |
| Premises and equipment expense | $443,000 | 4,177 |
| Additional noninterest expense | $1,041,000 | 3,872 |
| Pre-tax net operating income | $1,455,000 | 4,146 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $479,000 | 3,584 |
| Income before extraordinary items | $976,000 | 4,451 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $976,000 | 4,452 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $221,000 | 2,253 |
| Cash dividends | $1,020,000 | 2,221 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $976,000 | 4,446 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,828,000 | 3,998 |
| Total interest expense | $3,362,000 | 4,180 |
| Net interest income | $4,466,000 | 3,808 |
| Provision for loan and lease losses | $297,000 | 2,712 |
| Total noninterest income | $727,000 | 3,886 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $413,000 | 3,138 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $314,000 | 3,927 |
| Total noninterest expense | $3,402,000 | 3,788 |
| Salaries and employee benefits | $1,779,000 | 3,782 |
| Premises and equipment expense | $520,000 | 3,639 |
| Additional noninterest expense | $1,103,000 | 3,703 |
| Pre-tax net operating income | $1,494,000 | 4,103 |
| Securities gains (losses) | $3,000 | 2,393 |
| Applicable income taxes | $560,000 | 3,376 |
| Income before extraordinary items | $937,000 | 4,627 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $937,000 | 4,628 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $295,000 | 1,841 |
| Cash dividends | $91,000 | 6,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $935,080 | 4,600 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,892,000 | 3,988 |
| Total interest expense | $3,472,000 | 4,161 |
| Net interest income | $4,420,000 | 3,784 |
| Provision for loan and lease losses | $300,000 | 2,562 |
| Total noninterest income | $738,000 | 3,836 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $407,000 | 3,087 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $331,000 | 3,807 |
| Total noninterest expense | $3,211,000 | 3,880 |
| Salaries and employee benefits | $1,762,000 | 3,736 |
| Premises and equipment expense | $460,000 | 3,932 |
| Additional noninterest expense | $989,000 | 4,005 |
| Pre-tax net operating income | $1,647,000 | 3,905 |
| Securities gains (losses) | $3,000 | 3,720 |
| Applicable income taxes | $548,000 | 3,621 |
| Income before extraordinary items | $1,102,000 | 4,175 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,102,000 | 4,174 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $277,000 | 1,976 |
| Cash dividends | $342,000 | 4,306 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,099,990 | 4,097 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,551,000 | 4,201 |
| Total interest expense | $3,352,000 | 4,281 |
| Net interest income | $4,199,000 | 4,063 |
| Provision for loan and lease losses | $300,000 | 2,568 |
| Total noninterest income | $674,000 | 4,078 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $357,000 | 3,550 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $317,000 | 3,807 |
| Total noninterest expense | $3,071,000 | 4,022 |
| Salaries and employee benefits | $1,700,000 | 3,838 |
| Premises and equipment expense | $462,000 | 3,959 |
| Additional noninterest expense | $909,000 | 4,266 |
| Pre-tax net operating income | $1,502,000 | 4,496 |
| Securities gains (losses) | $5,000 | 2,787 |
| Applicable income taxes | $498,000 | 4,222 |
| Income before extraordinary items | $1,009,000 | 4,671 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,009,000 | 4,670 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $276,000 | 2,074 |
| Cash dividends | $304,000 | 4,496 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,005,650 | 4,620 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,189,000 | 4,465 |
| Total interest expense | $3,300,000 | 4,401 |
| Net interest income | $3,889,000 | 4,433 |
| Provision for loan and lease losses | $294,000 | 2,635 |
| Total noninterest income | $636,000 | 4,387 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $280,000 | 4,446 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $356,000 | 3,653 |
| Total noninterest expense | $2,834,000 | 4,501 |
| Salaries and employee benefits | $1,533,000 | 4,237 |
| Premises and equipment expense | $470,000 | 3,977 |
| Additional noninterest expense | $831,000 | 5,055 |
| Pre-tax net operating income | $1,397,000 | 4,586 |
| Securities gains (losses) | $1,000 | 3,760 |
| Applicable income taxes | $479,000 | 4,288 |
| Income before extraordinary items | $919,000 | 4,799 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $919,000 | 4,800 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $258,000 | 2,299 |
| Cash dividends | $251,000 | 4,927 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $918,340 | 4,747 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,614,000 | 4,783 |
| Total interest expense | $3,034,000 | 4,704 |
| Net interest income | $3,580,000 | 4,757 |
| Provision for loan and lease losses | $180,000 | 3,223 |
| Total noninterest income | $579,000 | 4,694 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $274,000 | 4,620 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $305,000 | 3,958 |
| Total noninterest expense | $2,728,000 | 4,634 |
| Salaries and employee benefits | $1,465,000 | 4,375 |
| Premises and equipment expense | $379,000 | 4,750 |
| Additional noninterest expense | $884,000 | 4,835 |
| Pre-tax net operating income | $1,251,000 | 5,117 |
| Securities gains (losses) | $-42,000 | 11,077 |
| Applicable income taxes | $393,000 | 5,011 |
| Income before extraordinary items | $816,000 | 5,368 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $816,000 | 5,365 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $165,000 | 2,827 |
| Cash dividends | $228,000 | 5,178 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $844,140 | 5,226 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,561,000 | 5,188 |
| Total interest expense | $2,094,000 | 5,403 |
| Net interest income | $3,467,000 | 4,985 |
| Provision for loan and lease losses | $290,000 | 2,346 |
| Total noninterest income | $481,000 | 5,442 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $254,000 | 4,984 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $227,000 | 4,856 |
| Total noninterest expense | $2,476,000 | 5,202 |
| Salaries and employee benefits | $1,283,000 | 4,941 |
| Premises and equipment expense | $311,000 | 5,548 |
| Additional noninterest expense | $882,000 | 5,265 |
| Pre-tax net operating income | $1,182,000 | 5,288 |
| Securities gains (losses) | $-76,000 | 11,350 |
| Applicable income taxes | $352,000 | 5,249 |
| Income before extraordinary items | $754,000 | 5,590 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $754,000 | 5,606 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $226,000 | 2,304 |
| Cash dividends | $205,000 | 5,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $805,680 | 5,394 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,623,000 | 5,229 |
| Total interest expense | $2,215,000 | 5,350 |
| Net interest income | $3,408,000 | 5,064 |
| Provision for loan and lease losses | $592,000 | 1,882 |
| Total noninterest income | $500,000 | 5,601 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $240,000 | 5,262 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $260,000 | 4,898 |
| Total noninterest expense | $2,572,000 | 5,142 |
| Salaries and employee benefits | $1,302,000 | 4,872 |
| Premises and equipment expense | $301,000 | 5,841 |
| Additional noninterest expense | $969,000 | 5,050 |
| Pre-tax net operating income | $744,000 | 7,123 |
| Securities gains (losses) | $90,000 | 2,648 |
| Applicable income taxes | $188,000 | 7,851 |
| Income before extraordinary items | $646,000 | 6,452 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $646,000 | 6,614 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $569,000 | 1,643 |
| Cash dividends | $190,000 | 5,586 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $576,700 | 6,708 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,273,000 | 5,292 |
| Total interest expense | $2,882,000 | 5,331 |
| Net interest income | $3,391,000 | 5,151 |
| Provision for loan and lease losses | $570,000 | 2,721 |
| Total noninterest income | $646,000 | 4,694 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $223,000 | 5,561 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $423,000 | 3,571 |
| Total noninterest expense | $2,492,000 | 5,328 |
| Salaries and employee benefits | $1,227,000 | 5,063 |
| Premises and equipment expense | $278,000 | 6,313 |
| Additional noninterest expense | $987,000 | 5,103 |
| Pre-tax net operating income | $975,000 | 5,725 |
| Securities gains (losses) | $73,000 | 3,512 |
| Applicable income taxes | $319,000 | 5,701 |
| Income before extraordinary items | $729,000 | 5,752 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $729,000 | 5,819 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $371,000 | 2,953 |
| Cash dividends | $190,000 | 5,228 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $677,900 | 5,712 |
* 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.