Home > Citizens Savings Bank of Frankfort > Income and Expense
Citizens Savings Bank of Frankfort, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,427,000 | 5,995 |
| Total interest expense | $2,002,000 | 5,996 |
| Net interest income | $2,425,000 | 5,913 |
| Provision for loan and lease losses | $60,000 | 6,124 |
| Total noninterest income | $401,000 | 5,606 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $401,000 | 3,409 |
| Total noninterest expense | $1,423,000 | 6,981 |
| Salaries and employee benefits | $915,000 | 6,236 |
| Premises and equipment expense | $270,000 | 5,798 |
| Additional noninterest expense | $238,000 | 8,675 |
| Pre-tax net operating income | $1,343,000 | 4,425 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $519,000 | 3,556 |
| Income before extraordinary items | $824,000 | 5,010 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $824,000 | 5,010 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 6,444 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $824,000 | 4,978 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,275,000 | 6,242 |
| Total interest expense | $1,855,000 | 6,446 |
| Net interest income | $2,420,000 | 5,962 |
| Provision for loan and lease losses | $67,000 | 5,949 |
| Total noninterest income | $430,000 | 5,389 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $430,000 | 3,277 |
| Total noninterest expense | $1,371,000 | 7,040 |
| Salaries and employee benefits | $873,000 | 6,338 |
| Premises and equipment expense | $266,000 | 5,757 |
| Additional noninterest expense | $232,000 | 8,773 |
| Pre-tax net operating income | $1,412,000 | 4,373 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $559,000 | 3,584 |
| Income before extraordinary items | $853,000 | 4,989 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $853,000 | 4,989 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 5,860 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $853,000 | 4,905 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,692,000 | 6,958 |
| Total interest expense | $1,802,000 | 6,681 |
| Net interest income | $1,890,000 | 7,152 |
| Provision for loan and lease losses | $103,000 | 5,098 |
| Total noninterest income | $437,000 | 5,429 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $437,000 | 3,105 |
| Total noninterest expense | $1,065,000 | 8,119 |
| Salaries and employee benefits | $678,000 | 7,450 |
| Premises and equipment expense | $264,000 | 5,874 |
| Additional noninterest expense | $123,000 | 10,308 |
| Pre-tax net operating income | $1,159,000 | 5,355 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $430,000 | 4,663 |
| Income before extraordinary items | $729,000 | 5,767 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $729,000 | 5,770 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 7,272 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $5,083,000 | 196 |
| Net operating income | $729,000 | 5,725 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,353,000 | 7,557 |
| Total interest expense | $1,765,000 | 6,918 |
| Net interest income | $1,588,000 | 8,058 |
| Provision for loan and lease losses | $48,000 | 6,700 |
| Total noninterest income | $258,000 | 7,479 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $258,000 | 4,454 |
| Total noninterest expense | $1,208,000 | 7,963 |
| Salaries and employee benefits | $568,000 | 8,337 |
| Premises and equipment expense | $245,000 | 6,318 |
| Additional noninterest expense | $395,000 | 7,917 |
| Pre-tax net operating income | $590,000 | 7,476 |
| Securities gains (losses) | $-60,000 | 11,084 |
| Applicable income taxes | $182,000 | 7,416 |
| Income before extraordinary items | $348,000 | 8,019 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $348,000 | 8,018 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 10,098 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $387,600 | 7,677 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,968,000 | 8,256 |
| Total interest expense | $1,525,000 | 7,626 |
| Net interest income | $1,443,000 | 8,691 |
| Provision for loan and lease losses | $58,000 | 5,942 |
| Total noninterest income | $253,000 | 7,668 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $253,000 | 4,446 |
| Total noninterest expense | $923,000 | 9,278 |
| Salaries and employee benefits | $507,000 | 9,051 |
| Premises and equipment expense | $228,000 | 6,692 |
| Additional noninterest expense | $188,000 | 10,575 |
| Pre-tax net operating income | $715,000 | 7,254 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $254,000 | 6,590 |
| Income before extraordinary items | $461,000 | 7,550 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $461,000 | 7,549 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,638 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $461,000 | 7,522 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,504,000 | 8,898 |
| Total interest expense | $1,283,000 | 7,608 |
| Net interest income | $1,221,000 | 9,705 |
| Provision for loan and lease losses | $32,000 | 7,014 |
| Total noninterest income | $234,000 | 8,180 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $234,000 | 4,766 |
| Total noninterest expense | $889,000 | 9,823 |
| Salaries and employee benefits | $483,000 | 9,546 |
| Premises and equipment expense | $218,000 | 7,087 |
| Additional noninterest expense | $188,000 | 11,305 |
| Pre-tax net operating income | $534,000 | 8,428 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $201,000 | 7,329 |
| Income before extraordinary items | $333,000 | 8,793 |
| Extraordinary gains, net | $-11,000 | 12,502 |
| Net income | $322,000 | 8,918 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,704 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $333,000 | 8,850 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,413,000 | 9,370 |
| Total interest expense | $1,304,000 | 7,868 |
| Net interest income | $1,109,000 | 10,369 |
| Provision for loan and lease losses | $12,000 | 9,545 |
| Total noninterest income | $201,000 | 9,206 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $201,000 | 5,660 |
| Total noninterest expense | $848,000 | 10,439 |
| Salaries and employee benefits | $462,000 | 10,018 |
| Premises and equipment expense | $211,000 | 7,471 |
| Additional noninterest expense | $175,000 | 12,089 |
| Pre-tax net operating income | $450,000 | 9,029 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $172,000 | 8,163 |
| Income before extraordinary items | $278,000 | 9,714 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $278,000 | 9,862 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 9,293 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $278,000 | 9,453 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,725,000 | 9,486 |
| Total interest expense | $1,653,000 | 8,041 |
| Net interest income | $1,072,000 | 10,809 |
| Provision for loan and lease losses | $19,000 | 10,662 |
| Total noninterest income | $157,000 | 10,353 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $157,000 | 6,481 |
| Total noninterest expense | $771,000 | 11,151 |
| Salaries and employee benefits | $405,000 | 10,800 |
| Premises and equipment expense | $206,000 | 7,697 |
| Additional noninterest expense | $160,000 | 12,788 |
| Pre-tax net operating income | $439,000 | 8,901 |
| Securities gains (losses) | $56,000 | 3,937 |
| Applicable income taxes | $196,000 | 7,643 |
| Income before extraordinary items | $299,000 | 9,344 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $299,000 | 9,485 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 9,186 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $263,160 | 9,374 |
* 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.