Home > Citizens State Bank > Income and Expense
Citizens State Bank, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,357,000 | 7,553 |
| Total interest expense | $1,573,000 | 7,388 |
| Net interest income | $1,784,000 | 7,585 |
| Provision for loan and lease losses | $-120,000 | 11,291 |
| Total noninterest income | $538,000 | 4,916 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $451,000 | 2,999 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $87,000 | 7,512 |
| Total noninterest expense | $1,793,000 | 6,408 |
| Salaries and employee benefits | $1,124,000 | 5,498 |
| Premises and equipment expense | $187,000 | 7,278 |
| Additional noninterest expense | $482,000 | 7,200 |
| Pre-tax net operating income | $649,000 | 7,181 |
| Securities gains (losses) | $1,000 | 3,760 |
| Applicable income taxes | $144,000 | 7,971 |
| Income before extraordinary items | $506,000 | 6,862 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $506,000 | 6,865 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,286 |
| Cash dividends | $405,000 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $505,220 | 6,811 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,079,000 | 8,085 |
| Total interest expense | $1,360,000 | 8,089 |
| Net interest income | $1,719,000 | 7,966 |
| Provision for loan and lease losses | $28,000 | 7,236 |
| Total noninterest income | $512,000 | 5,098 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $439,000 | 3,072 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $73,000 | 8,234 |
| Total noninterest expense | $1,786,000 | 6,499 |
| Salaries and employee benefits | $1,068,000 | 5,732 |
| Premises and equipment expense | $184,000 | 7,520 |
| Additional noninterest expense | $534,000 | 7,000 |
| Pre-tax net operating income | $417,000 | 8,959 |
| Securities gains (losses) | $46,000 | 1,362 |
| Applicable income taxes | $117,000 | 8,844 |
| Income before extraordinary items | $346,000 | 8,518 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $346,000 | 8,522 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 5,418 |
| Cash dividends | $900,000 | 2,217 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $311,500 | 8,778 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,748,000 | 8,462 |
| Total interest expense | $1,079,000 | 8,357 |
| Net interest income | $1,669,000 | 8,389 |
| Provision for loan and lease losses | $-42,000 | 11,956 |
| Total noninterest income | $511,000 | 5,216 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $424,000 | 3,207 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $87,000 | 7,945 |
| Total noninterest expense | $1,697,000 | 7,000 |
| Salaries and employee benefits | $959,000 | 6,304 |
| Premises and equipment expense | $174,000 | 7,986 |
| Additional noninterest expense | $564,000 | 7,304 |
| Pre-tax net operating income | $525,000 | 8,482 |
| Securities gains (losses) | $-22,000 | 10,411 |
| Applicable income taxes | $123,000 | 8,863 |
| Income before extraordinary items | $380,000 | 8,358 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $380,000 | 8,365 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 7,569 |
| Cash dividends | $135,000 | 6,330 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $396,720 | 8,273 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,786,000 | 8,689 |
| Total interest expense | $1,088,000 | 8,735 |
| Net interest income | $1,698,000 | 8,495 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $501,000 | 5,591 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $427,000 | 3,252 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $74,000 | 8,889 |
| Total noninterest expense | $1,577,000 | 7,566 |
| Salaries and employee benefits | $858,000 | 6,977 |
| Premises and equipment expense | $175,000 | 8,253 |
| Additional noninterest expense | $544,000 | 7,823 |
| Pre-tax net operating income | $622,000 | 7,802 |
| Securities gains (losses) | $217,000 | 1,602 |
| Applicable income taxes | $215,000 | 7,343 |
| Income before extraordinary items | $624,000 | 6,604 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $624,000 | 6,763 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 11,729 |
| Cash dividends | $135,000 | 6,315 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $463,420 | 7,603 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,058,000 | 8,880 |
| Total interest expense | $1,362,000 | 8,986 |
| Net interest income | $1,696,000 | 8,666 |
| Provision for loan and lease losses | $110,000 | 7,010 |
| Total noninterest income | $540,000 | 5,331 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $407,000 | 3,419 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $133,000 | 7,087 |
| Total noninterest expense | $1,536,000 | 7,786 |
| Salaries and employee benefits | $845,000 | 6,968 |
| Premises and equipment expense | $149,000 | 9,148 |
| Additional noninterest expense | $542,000 | 8,058 |
| Pre-tax net operating income | $590,000 | 7,787 |
| Securities gains (losses) | $407,000 | 1,262 |
| Applicable income taxes | $342,000 | 5,442 |
| Income before extraordinary items | $655,000 | 6,196 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $655,000 | 6,266 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 8,726 |
| Cash dividends | $135,000 | 5,978 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $386,380 | 8,000 |
* 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.