Home > Citizens Savings Bank F.S.B. > Income and Expense
Citizens Savings Bank F.S.B., Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $47,994,000 | 762 |
| Total interest expense | $29,209,000 | 632 |
| Net interest income | $18,785,000 | 981 |
| Provision for loan and lease losses | $94,000 | 5,274 |
| Total noninterest income | $3,004,000 | 1,355 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $3,004,000 | 873 |
| Total noninterest expense | $17,641,000 | 883 |
| Salaries and employee benefits | $7,683,000 | 886 |
| Premises and equipment expense | $2,035,000 | 1,039 |
| Additional noninterest expense | $7,923,000 | 813 |
| Pre-tax net operating income | $4,054,000 | 1,779 |
| Securities gains (losses) | $851,000 | 293 |
| Applicable income taxes | $1,644,000 | 1,466 |
| Income before extraordinary items | $3,261,000 | 1,521 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $3,261,000 | 1,523 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $523,000 | 1,375 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,699,340 | 1,792 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $43,480,000 | 845 |
| Total interest expense | $25,983,000 | 706 |
| Net interest income | $17,497,000 | 1,052 |
| Provision for loan and lease losses | $-28,000 | 11,515 |
| Total noninterest income | $2,265,000 | 1,659 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $2,265,000 | 1,051 |
| Total noninterest expense | $13,663,000 | 1,095 |
| Salaries and employee benefits | $6,804,000 | 1,013 |
| Premises and equipment expense | $2,371,000 | 918 |
| Additional noninterest expense | $4,488,000 | 1,220 |
| Pre-tax net operating income | $6,127,000 | 1,245 |
| Securities gains (losses) | $153,000 | 774 |
| Applicable income taxes | $2,069,000 | 1,239 |
| Income before extraordinary items | $4,211,000 | 1,260 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $4,211,000 | 1,258 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $156,000 | 2,942 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $4,108,490 | 1,261 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $37,327,000 | 869 |
| Total interest expense | $20,257,000 | 711 |
| Net interest income | $17,070,000 | 1,083 |
| Provision for loan and lease losses | $-1,178,000 | 12,537 |
| Total noninterest income | $2,132,000 | 1,766 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $2,132,000 | 1,081 |
| Total noninterest expense | $15,061,000 | 1,005 |
| Salaries and employee benefits | $6,075,000 | 1,112 |
| Premises and equipment expense | $2,177,000 | 980 |
| Additional noninterest expense | $6,809,000 | 926 |
| Pre-tax net operating income | $5,319,000 | 1,383 |
| Securities gains (losses) | $124,000 | 686 |
| Applicable income taxes | $1,733,000 | 1,360 |
| Income before extraordinary items | $3,710,000 | 1,350 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $3,710,000 | 1,352 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,951,000 | 561 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $3,625,680 | 1,389 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $38,093,000 | 870 |
| Total interest expense | $21,261,000 | 680 |
| Net interest income | $16,832,000 | 1,094 |
| Provision for loan and lease losses | $1,329,000 | 1,082 |
| Total noninterest income | $2,524,000 | 1,671 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $2,524,000 | 1,081 |
| Total noninterest expense | $12,791,000 | 1,207 |
| Salaries and employee benefits | $5,282,000 | 1,270 |
| Premises and equipment expense | $2,180,000 | 1,002 |
| Additional noninterest expense | $5,329,000 | 1,211 |
| Pre-tax net operating income | $5,236,000 | 1,336 |
| Securities gains (losses) | $326,000 | 1,229 |
| Applicable income taxes | $1,734,000 | 1,369 |
| Income before extraordinary items | $3,828,000 | 1,325 |
| Extraordinary gains, net | $2,106,000 | 125 |
| Net income | $5,934,000 | 923 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $115,000 | 4,259 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $3,603,060 | 1,331 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $41,109,000 | 927 |
| Total interest expense | $26,627,000 | 718 |
| Net interest income | $14,482,000 | 1,283 |
| Provision for loan and lease losses | $105,000 | 7,133 |
| Total noninterest income | $3,274,000 | 1,328 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $23,000 | 360 |
| Additional Noninterest Income | $3,251,000 | 901 |
| Total noninterest expense | $13,751,000 | 1,144 |
| Salaries and employee benefits | $5,060,000 | 1,326 |
| Premises and equipment expense | $2,256,000 | 1,002 |
| Additional noninterest expense | $6,435,000 | 1,071 |
| Pre-tax net operating income | $3,900,000 | 1,595 |
| Securities gains (losses) | $662,000 | 877 |
| Applicable income taxes | $1,663,000 | 1,336 |
| Income before extraordinary items | $2,899,000 | 1,600 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,899,000 | 1,612 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $419,000 | 2,748 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,475,320 | 1,691 |
* 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.