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Citizens State Bank, Income and Expense

2001-12-31 (YTD Data)Rank
Total interest income$907,0009,211
Total interest expense$368,0009,203
Net interest income$539,0009,131
Provision for loan and lease losses$27,0007,336
Total noninterest income$41,0009,261
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$29,0007,999
Trading account gains and fees$0177
Additional Noninterest Income$12,0009,046
Total noninterest expense$434,0009,303
Salaries and employee benefits$298,0009,072
Premises and equipment expense$20,0009,492
Additional noninterest expense$116,0009,279
Pre-tax net operating income$119,0008,246
Securities gains (losses)$04,612
Applicable income taxes$36,0006,952
Income before extraordinary items$83,0008,432
Extraordinary gains, net$0105
Net income$83,0008,431
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$30,0005,841
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$0922
Net operating income$83,0008,330
2000-12-31 (YTD Data)Rank
Total interest income$907,0009,464
Total interest expense$386,0009,443
Net interest income$521,0009,428
Provision for loan and lease losses$-5,0009,696
Total noninterest income$39,0009,472
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$26,0008,160
Trading account gains and feesNANA
Additional Noninterest Income$13,0009,267
Total noninterest expense$417,0009,563
Salaries and employee benefits$290,0009,308
Premises and equipment expense$19,0009,775
Additional noninterest expense$108,0009,574
Pre-tax net operating income$148,0008,601
Securities gains (losses)$01,956
Applicable income taxes$43,0007,354
Income before extraordinary items$105,0008,674
Extraordinary gains, net$038
Net income$105,0008,673
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-5,0008,998
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$0969
Net operating income$105,0008,662
1999-12-31 (YTD Data)Rank
Total interest income$939,0009,665
Total interest expense$407,0009,628
Net interest income$532,0009,634
Provision for loan and lease losses$37,0006,969
Total noninterest income$39,0009,741
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$25,0008,390
Trading account gains and feesNANA
Additional Noninterest Income$14,0009,524
Total noninterest expense$400,0009,876
Salaries and employee benefits$277,0009,598
Premises and equipment expense$24,00010,043
Additional noninterest expense$99,0009,929
Pre-tax net operating income$134,0008,893
Securities gains (losses)$03,155
Applicable income taxes$41,0007,793
Income before extraordinary items$93,0009,015
Extraordinary gains, net$035
Net income$93,0009,013
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$13,0006,573
Cash dividends$50,0006,588
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$93,0008,981
1998-12-31 (YTD Data)Rank
Total interest income$943,0009,899
Total interest expense$441,0009,819
Net interest income$502,0009,918
Provision for loan and lease losses$58,0006,364
Total noninterest income$29,00010,108
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$23,0008,653
Trading account gains and feesNANA
Additional Noninterest Income$6,00010,162
Total noninterest expense$392,00010,079
Salaries and employee benefits$281,0009,725
Premises and equipment expense$15,00010,360
Additional noninterest expense$96,00010,159
Pre-tax net operating income$81,0009,496
Securities gains (losses)$04,449
Applicable income taxes$17,0008,941
Income before extraordinary items$64,0009,544
Extraordinary gains, net$032
Net income$64,0009,543
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$40,0005,328
Cash dividends$25,0007,195
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$64,0009,480
1997-12-31 (YTD Data)Rank
Total interest income$900,00010,389
Total interest expense$414,00010,309
Net interest income$486,00010,405
Provision for loan and lease losses$08,829
Total noninterest income$41,00010,427
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$25,0009,014
Trading account gains and feesNANA
Additional Noninterest Income$16,00010,083
Total noninterest expense$388,00010,509
Salaries and employee benefits$283,00010,081
Premises and equipment expense$12,00010,837
Additional noninterest expense$93,00010,590
Pre-tax net operating income$139,0009,903
Securities gains (losses)$03,944
Applicable income taxes$39,0009,426
Income before extraordinary items$100,0009,960
Extraordinary gains, net$044
Net income$100,0009,961
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-12,00010,052
Cash dividends$75,0006,827
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$100,0009,920
1996-12-31 (YTD Data)Rank
Total interest income$866,00010,964
Total interest expense$401,00010,873
Net interest income$465,00010,956
Provision for loan and lease losses$42,0006,906
Total noninterest income$34,00011,089
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$24,0009,499
Trading account gains and feesNANA
Additional Noninterest Income$10,00010,975
Total noninterest expense$382,00011,023
Salaries and employee benefits$270,00010,578
Premises and equipment expense$17,00011,329
Additional noninterest expense$95,00011,123
Pre-tax net operating income$75,00010,487
Securities gains (losses)$04,148
Applicable income taxes$16,00010,270
Income before extraordinary items$59,00010,525
Extraordinary gains, net$053
Net income$59,00010,524
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$71,0004,609
Cash dividends$50,0007,494
Sale, conversion, retirement of capital stock, net$0953
Net operating income$59,00010,478
1995-12-31 (YTD Data)Rank
Total interest income$915,00011,408
Total interest expense$395,00011,344
Net interest income$520,00011,355
Provision for loan and lease losses$-5,00011,373
Total noninterest income$28,00011,682
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$20,00010,011
Trading account gains and feesNANA
Additional Noninterest Income$8,00011,604
Total noninterest expense$394,00011,445
Salaries and employee benefits$267,00011,032
Premises and equipment expense$27,00011,683
Additional noninterest expense$100,00011,613
Pre-tax net operating income$159,00010,724
Securities gains (losses)$03,831
Applicable income taxes$53,00010,132
Income before extraordinary items$106,00010,880
Extraordinary gains, net$065
Net income$106,00010,880
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-5,00010,354
Cash dividends$75,0007,260
Sale, conversion, retirement of capital stock, net$0809
Net operating income$106,00010,848
1994-12-31 (YTD Data)Rank
Total interest income$843,00011,997
Total interest expense$364,00011,763
Net interest income$479,00012,066
Provision for loan and lease losses$-6,00011,728
Total noninterest income$31,00012,255
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$21,00010,526
Trading account gains and feesNANA
Additional Noninterest Income$10,00012,083
Total noninterest expense$395,00012,061
Salaries and employee benefits$261,00011,565
Premises and equipment expense$23,00012,384
Additional noninterest expense$111,00012,201
Pre-tax net operating income$121,00011,487
Securities gains (losses)$-1,0008,790
Applicable income taxes$32,00010,876
Income before extraordinary items$88,00011,493
Extraordinary gains, net$0249
Net income$88,00011,499
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-6,00010,519
Cash dividends$50,0007,903
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$88,73011,537
1993-12-31 (YTD Data)Rank
Total interest income$839,00012,596
Total interest expense$374,00012,338
Net interest income$465,00012,650
Provision for loan and lease losses$-7,00012,476
Total noninterest income$29,00012,948
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$16,00011,092
Trading account gains and feesNANA
Additional Noninterest Income$13,00012,543
Total noninterest expense$392,00012,681
Salaries and employee benefits$263,00012,050
Premises and equipment expense$19,00013,098
Additional noninterest expense$110,00012,852
Pre-tax net operating income$109,00011,801
Securities gains (losses)$07,477
Applicable income taxes$28,00011,440
Income before extraordinary items$81,00012,004
Extraordinary gains, net$03,149
Net income$81,00012,035
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$31,0006,983
Cash dividends$38,0008,281
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$81,00011,818
1992-12-31 (YTD Data)Rank
Total interest income$944,00013,117
Total interest expense$451,00012,967
Net interest income$493,00013,107
Provision for loan and lease losses$5,00011,499
Total noninterest income$39,00013,364
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$18,00011,411
Trading account gains and feesNANA
Additional Noninterest Income$21,00012,470
Total noninterest expense$408,00013,128
Salaries and employee benefits$267,00012,397
Premises and equipment expense$23,00013,601
Additional noninterest expense$118,00013,350
Pre-tax net operating income$119,00011,819
Securities gains (losses)$18,0005,726
Applicable income taxes$46,00011,363
Income before extraordinary items$91,00012,057
Extraordinary gains, net$01,422
Net income$91,00012,111
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-36,00013,353
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$79,12011,936

* 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.