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Citizens State Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$2,986,000	8,012
Total interest expense	$1,546,000	7,449
Net interest income	$1,440,000	8,411
Provision for loan and lease losses	$368,000	2,216
Total noninterest income	$247,000	7,627
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$184,000	5,845
Trading account gains and fees	NA	NA
Additional Noninterest Income	$63,000	8,357
Total noninterest expense	$1,264,000	7,780
Salaries and employee benefits	$593,000	8,185
Premises and equipment expense	$200,000	7,027
Additional noninterest expense	$471,000	7,289
Pre-tax net operating income	$55,000	10,574
Securities gains (losses)	$15,000	2,201
Applicable income taxes	$-30,000	11,023
Income before extraordinary items	$100,000	10,222
Extraordinary gains, net	$0	53
Net income	$100,000	10,222
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$292,000	2,125
Cash dividends	$130,000	6,269
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$85,000	10,309
1995-12-31 (YTD Data)		Rank
Total interest income	$2,508,000	8,958
Total interest expense	$1,245,000	8,441
Net interest income	$1,263,000	9,175
Provision for loan and lease losses	$12,000	8,132
Total noninterest income	$253,000	7,668
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$176,000	6,147
Trading account gains and fees	NA	NA
Additional Noninterest Income	$77,000	8,059
Total noninterest expense	$1,157,000	8,362
Salaries and employee benefits	$513,000	8,998
Premises and equipment expense	$188,000	7,429
Additional noninterest expense	$456,000	7,647
Pre-tax net operating income	$347,000	9,404
Securities gains (losses)	$65,000	1,146
Applicable income taxes	$102,000	9,142
Income before extraordinary items	$310,000	8,837
Extraordinary gains, net	$0	65
Net income	$310,000	8,841
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	7,018
Cash dividends	$145,000	6,157
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$261,250	9,289
1994-12-31 (YTD Data)		Rank
Total interest income	$843,000	11,997
Total interest expense	$383,000	11,676
Net interest income	$460,000	12,107
Provision for loan and lease losses	$0	9,146
Total noninterest income	$91,000	10,969
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$58,000	9,408
Trading account gains and fees	NA	NA
Additional Noninterest Income	$33,000	10,596
Total noninterest expense	$347,000	12,222
Salaries and employee benefits	$153,000	12,344
Premises and equipment expense	$43,000	11,893
Additional noninterest expense	$151,000	11,786
Pre-tax net operating income	$204,000	10,865
Securities gains (losses)	$0	3,600
Applicable income taxes	$49,000	10,496
Income before extraordinary items	$155,000	10,754
Extraordinary gains, net	$0	249
Net income	$155,000	10,759
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$76,000	4,263
Cash dividends	$288,000	4,616
Sale, conversion, retirement of capital stock, net	$504,000	542
Net operating income	$155,000	10,802
1993-12-31 (YTD Data)		Rank
Total interest income	$2,039,000	10,099
Total interest expense	$838,000	9,845
Net interest income	$1,201,000	10,062
Provision for loan and lease losses	$24,000	8,778
Total noninterest income	$239,000	8,551
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$167,000	6,671
Trading account gains and fees	NA	NA
Additional Noninterest Income	$72,000	8,988
Total noninterest expense	$877,000	10,306
Salaries and employee benefits	$364,000	11,003
Premises and equipment expense	$122,000	9,724
Additional noninterest expense	$391,000	9,355
Pre-tax net operating income	$539,000	8,380
Securities gains (losses)	$-6,000	12,616
Applicable income taxes	$149,000	8,674
Income before extraordinary items	$384,000	8,591
Extraordinary gains, net	$0	3,149
Net income	$384,000	8,757
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$51,000	6,011
Cash dividends	$250,000	4,831
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$388,320	8,292
1992-12-31 (YTD Data)		Rank
Total interest income	$2,268,000	10,339
Total interest expense	$1,096,000	9,997
Net interest income	$1,172,000	10,422
Provision for loan and lease losses	$50,000	9,026
Total noninterest income	$206,000	9,295
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$147,000	7,190
Trading account gains and fees	NA	NA
Additional Noninterest Income	$59,000	9,852
Total noninterest expense	$829,000	10,864
Salaries and employee benefits	$365,000	11,283
Premises and equipment expense	$117,000	10,138
Additional noninterest expense	$347,000	10,227
Pre-tax net operating income	$499,000	8,420
Securities gains (losses)	$-1,000	12,730
Applicable income taxes	$145,000	8,747
Income before extraordinary items	$353,000	8,684
Extraordinary gains, net	$0	1,422
Net income	$353,000	8,816
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,000	9,428
Cash dividends	$250,000	4,445
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$353,710	8,312

* 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.