Home > Citizens Southern Bank, Inc. > Income and Expense
Citizens Southern Bank, Inc., Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,847,000 | 6,488 |
| Total interest expense | $2,159,000 | 5,717 |
| Net interest income | $1,688,000 | 7,217 |
| Provision for loan and lease losses | $204,000 | 3,511 |
| Total noninterest income | $180,000 | 7,716 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $92,000 | 6,872 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $88,000 | 6,924 |
| Total noninterest expense | $1,431,000 | 6,955 |
| Salaries and employee benefits | $724,000 | 7,121 |
| Premises and equipment expense | $258,000 | 5,933 |
| Additional noninterest expense | $449,000 | 6,913 |
| Pre-tax net operating income | $233,000 | 8,416 |
| Securities gains (losses) | $-4,000 | 9,004 |
| Applicable income taxes | $79,000 | 7,204 |
| Income before extraordinary items | $150,000 | 8,640 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $150,000 | 8,639 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,364 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $152,640 | 8,582 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,579,000 | 8,013 |
| Total interest expense | $1,462,000 | 7,278 |
| Net interest income | $1,117,000 | 8,534 |
| Provision for loan and lease losses | $130,000 | 4,466 |
| Total noninterest income | $71,000 | 9,497 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $38,000 | 8,333 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $33,000 | 8,867 |
| Total noninterest expense | $907,000 | 8,406 |
| Salaries and employee benefits | $471,000 | 8,532 |
| Premises and equipment expense | $143,000 | 7,816 |
| Additional noninterest expense | $293,000 | 8,176 |
| Pre-tax net operating income | $151,000 | 9,168 |
| Securities gains (losses) | $1,000 | 4,151 |
| Applicable income taxes | $48,000 | 8,366 |
| Income before extraordinary items | $104,000 | 9,311 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $104,000 | 9,311 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,842 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $103,320 | 9,248 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,756,000 | 9,349 |
| Total interest expense | $864,000 | 9,067 |
| Net interest income | $892,000 | 9,437 |
| Provision for loan and lease losses | $24,000 | 7,686 |
| Total noninterest income | $40,000 | 10,443 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $27,000 | 8,979 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $13,000 | 10,252 |
| Total noninterest expense | $626,000 | 9,641 |
| Salaries and employee benefits | $316,000 | 9,833 |
| Premises and equipment expense | $115,000 | 8,614 |
| Additional noninterest expense | $195,000 | 9,467 |
| Pre-tax net operating income | $282,000 | 9,107 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $67,000 | 8,963 |
| Income before extraordinary items | $215,000 | 9,025 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $215,000 | 9,029 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,963 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $215,000 | 8,988 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,132,000 | 10,618 |
| Total interest expense | $419,000 | 10,823 |
| Net interest income | $713,000 | 10,352 |
| Provision for loan and lease losses | $123,000 | 4,537 |
| Total noninterest income | $30,000 | 11,136 |
| 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 | $19,000 | 10,461 |
| Total noninterest expense | $588,000 | 10,208 |
| Salaries and employee benefits | $279,000 | 10,516 |
| Premises and equipment expense | $128,000 | 8,584 |
| Additional noninterest expense | $181,000 | 10,160 |
| Pre-tax net operating income | $32,000 | 10,672 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $6,000 | 10,431 |
| Income before extraordinary items | $26,000 | 10,703 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $26,000 | 10,699 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 8,146 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $26,000 | 10,650 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $412,000 | 11,828 |
| Total interest expense | $62,000 | 11,895 |
| Net interest income | $350,000 | 11,699 |
| Provision for loan and lease losses | $75,000 | 5,235 |
| Total noninterest income | $4,000 | 11,910 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,000 | 10,307 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,000 | 11,841 |
| Total noninterest expense | $471,000 | 11,144 |
| Salaries and employee benefits | $203,000 | 11,486 |
| Premises and equipment expense | $87,000 | 10,006 |
| Additional noninterest expense | $181,000 | 10,668 |
| Pre-tax net operating income | $-192,000 | 11,667 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $-44,000 | 11,625 |
| Income before extraordinary items | $-148,000 | 11,641 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-148,000 | 11,639 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $-148,000 | 11,629 |
* 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.