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Citizens State Bank, Income and Expense

1995-12-31 (YTD Data)Rank
Total interest income$1,286,00010,862
Total interest expense$382,00011,379
Net interest income$904,00010,228
Provision for loan and lease losses$10,0008,319
Total noninterest income$263,0007,534
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$159,0006,470
Trading account gains and feesNANA
Additional Noninterest Income$104,0007,102
Total noninterest expense$674,00010,283
Salaries and employee benefits$358,00010,273
Premises and equipment expense$45,00011,233
Additional noninterest expense$271,0009,586
Pre-tax net operating income$483,0008,532
Securities gains (losses)$03,831
Applicable income taxes$173,0007,875
Income before extraordinary items$310,0008,837
Extraordinary gains, net$065
Net income$310,0008,841
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-5,00010,354
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$310,0008,801
1994-12-31 (YTD Data)Rank
Total interest income$1,115,00011,502
Total interest expense$305,00012,020
Net interest income$810,00011,017
Provision for loan and lease losses$09,146
Total noninterest income$184,0009,030
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$160,0006,663
Trading account gains and feesNANA
Additional Noninterest Income$24,00011,176
Total noninterest expense$677,00010,798
Salaries and employee benefits$342,00010,830
Premises and equipment expense$52,00011,558
Additional noninterest expense$283,00010,151
Pre-tax net operating income$317,00010,015
Securities gains (losses)$03,600
Applicable income taxes$129,0008,731
Income before extraordinary items$188,00010,421
Extraordinary gains, net$0249
Net income$188,00010,426
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-35,00011,679
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$188,00010,461
1993-12-31 (YTD Data)Rank
Total interest income$1,008,00012,275
Total interest expense$295,00012,698
Net interest income$713,00011,823
Provision for loan and lease losses$-52,00012,767
Total noninterest income$215,0008,927
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$137,0007,418
Trading account gains and feesNANA
Additional Noninterest Income$78,0008,723
Total noninterest expense$690,00011,215
Salaries and employee benefits$320,00011,445
Premises and equipment expense$48,00012,290
Additional noninterest expense$322,00010,168
Pre-tax net operating income$290,00010,321
Securities gains (losses)$07,477
Applicable income taxes$77,00010,286
Income before extraordinary items$213,00010,496
Extraordinary gains, net$03,149
Net income$213,00010,602
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-10,00011,729
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$213,00010,255
1992-12-31 (YTD Data)Rank
Total interest income$1,136,00012,754
Total interest expense$428,00013,076
Net interest income$708,00012,287
Provision for loan and lease losses$-105,00013,720
Total noninterest income$171,00010,010
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$139,0007,416
Trading account gains and feesNANA
Additional Noninterest Income$32,00011,632
Total noninterest expense$745,00011,280
Salaries and employee benefits$290,00012,128
Premises and equipment expense$38,00013,134
Additional noninterest expense$417,0009,367
Pre-tax net operating income$239,00010,711
Securities gains (losses)$08,369
Applicable income taxes$26,00011,922
Income before extraordinary items$213,00010,424
Extraordinary gains, net$01,422
Net income$213,00010,559
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$9,00010,059
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$213,00010,066

* 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.