Home > Citizens State Bank > Income and Expense
Citizens State Bank, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,438,000 | 4,321 |
| Total interest expense | $3,393,000 | 4,312 |
| Net interest income | $4,045,000 | 4,276 |
| Provision for loan and lease losses | $180,000 | 3,640 |
| Total noninterest income | $396,000 | 5,980 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $312,000 | 4,108 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $84,000 | 7,617 |
| Total noninterest expense | $2,201,000 | 5,542 |
| Salaries and employee benefits | $1,186,000 | 5,266 |
| Premises and equipment expense | $384,000 | 4,687 |
| Additional noninterest expense | $631,000 | 6,152 |
| Pre-tax net operating income | $2,060,000 | 3,347 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $603,000 | 3,567 |
| Income before extraordinary items | $1,457,000 | 3,283 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,457,000 | 3,282 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 7,102 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,457,000 | 3,248 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,160,000 | 5,090 |
| Total interest expense | $2,859,000 | 4,979 |
| Net interest income | $3,301,000 | 5,103 |
| Provision for loan and lease losses | $30,000 | 7,070 |
| Total noninterest income | $379,000 | 6,181 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $297,000 | 4,328 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $82,000 | 7,878 |
| Total noninterest expense | $1,884,000 | 6,269 |
| Salaries and employee benefits | $1,031,000 | 5,905 |
| Premises and equipment expense | $310,000 | 5,489 |
| Additional noninterest expense | $543,000 | 6,919 |
| Pre-tax net operating income | $1,766,000 | 3,903 |
| Securities gains (losses) | $-18,000 | 10,494 |
| Applicable income taxes | $431,000 | 4,679 |
| Income before extraordinary items | $1,317,000 | 3,636 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,317,000 | 3,633 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,876 |
| Cash dividends | $202,000 | 5,430 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,330,500 | 3,574 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,273,000 | 5,420 |
| Total interest expense | $2,253,000 | 5,070 |
| Net interest income | $3,020,000 | 5,589 |
| Provision for loan and lease losses | $5,000 | 8,812 |
| Total noninterest income | $273,000 | 7,603 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $201,000 | 5,848 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $72,000 | 8,568 |
| Total noninterest expense | $1,833,000 | 6,612 |
| Salaries and employee benefits | $964,000 | 6,270 |
| Premises and equipment expense | $289,000 | 5,879 |
| Additional noninterest expense | $580,000 | 7,179 |
| Pre-tax net operating income | $1,455,000 | 4,520 |
| Securities gains (losses) | $-15,000 | 10,127 |
| Applicable income taxes | $343,000 | 5,350 |
| Income before extraordinary items | $1,097,000 | 4,191 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,097,000 | 4,193 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 6,338 |
| Cash dividends | $202,000 | 5,388 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,108,400 | 4,194 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,593,000 | 5,256 |
| Total interest expense | $2,410,000 | 4,987 |
| Net interest income | $3,183,000 | 5,385 |
| Provision for loan and lease losses | $30,000 | 8,397 |
| Total noninterest income | $244,000 | 8,449 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $162,000 | 6,787 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $82,000 | 8,541 |
| Total noninterest expense | $1,735,000 | 7,087 |
| Salaries and employee benefits | $884,000 | 6,809 |
| Premises and equipment expense | $260,000 | 6,507 |
| Additional noninterest expense | $591,000 | 7,418 |
| Pre-tax net operating income | $1,662,000 | 3,944 |
| Securities gains (losses) | $1,000 | 7,052 |
| Applicable income taxes | $388,000 | 5,118 |
| Income before extraordinary items | $1,275,000 | 3,787 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,275,000 | 3,898 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 11,621 |
| Cash dividends | $151,000 | 6,052 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,274,230 | 3,590 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,213,000 | 5,334 |
| Total interest expense | $3,050,000 | 5,081 |
| Net interest income | $3,163,000 | 5,469 |
| Provision for loan and lease losses | $80,000 | 7,886 |
| Total noninterest income | $240,000 | 8,673 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $165,000 | 6,724 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $75,000 | 9,058 |
| Total noninterest expense | $1,637,000 | 7,445 |
| Salaries and employee benefits | $867,000 | 6,825 |
| Premises and equipment expense | $186,000 | 8,166 |
| Additional noninterest expense | $584,000 | 7,654 |
| Pre-tax net operating income | $1,686,000 | 3,647 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $416,000 | 4,647 |
| Income before extraordinary items | $1,270,000 | 3,618 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,270,000 | 3,661 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-48,000 | 13,463 |
| Cash dividends | $856,000 | 1,791 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,270,000 | 3,349 |
* 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.