Home > Citizens State Bank and Trust Company > Income and Expense
Citizens State Bank and Trust Company, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,665,000 | 5,819 |
| Total interest expense | $2,374,000 | 5,381 |
| Net interest income | $2,291,000 | 6,112 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $224,000 | 7,212 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $151,000 | 5,829 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $73,000 | 7,335 |
| Total noninterest expense | $987,000 | 8,166 |
| Salaries and employee benefits | $519,000 | 8,233 |
| Premises and equipment expense | $164,000 | 7,413 |
| Additional noninterest expense | $304,000 | 8,085 |
| Pre-tax net operating income | $1,528,000 | 4,040 |
| Securities gains (losses) | $-8,000 | 9,241 |
| Applicable income taxes | $503,000 | 3,624 |
| Income before extraordinary items | $1,017,000 | 4,381 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,017,000 | 4,383 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 9,212 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,022,360 | 4,330 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,418,000 | 6,123 |
| Total interest expense | $2,264,000 | 5,720 |
| Net interest income | $2,154,000 | 6,379 |
| Provision for loan and lease losses | $55,000 | 6,428 |
| Total noninterest income | $202,000 | 7,546 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $142,000 | 6,065 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $60,000 | 7,800 |
| Total noninterest expense | $1,027,000 | 8,031 |
| Salaries and employee benefits | $528,000 | 8,184 |
| Premises and equipment expense | $255,000 | 5,896 |
| Additional noninterest expense | $244,000 | 8,661 |
| Pre-tax net operating income | $1,274,000 | 4,694 |
| Securities gains (losses) | $14,000 | 2,712 |
| Applicable income taxes | $427,000 | 4,256 |
| Income before extraordinary items | $861,000 | 4,962 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $861,000 | 4,962 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 9,847 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $851,620 | 4,913 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,025,000 | 6,645 |
| Total interest expense | $2,125,000 | 6,033 |
| Net interest income | $1,900,000 | 7,129 |
| Provision for loan and lease losses | $60,000 | 6,153 |
| Total noninterest income | $194,000 | 7,918 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $139,000 | 6,373 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $55,000 | 8,220 |
| Total noninterest expense | $1,051,000 | 8,164 |
| Salaries and employee benefits | $593,000 | 7,962 |
| Premises and equipment expense | $236,000 | 6,266 |
| Additional noninterest expense | $222,000 | 9,151 |
| Pre-tax net operating income | $983,000 | 5,885 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $303,000 | 5,699 |
| Income before extraordinary items | $680,000 | 5,984 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $680,000 | 5,986 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,835 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $680,000 | 5,938 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,866,000 | 6,986 |
| Total interest expense | $2,153,000 | 6,114 |
| Net interest income | $1,713,000 | 7,738 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $224,000 | 7,911 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $137,000 | 6,712 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $87,000 | 7,512 |
| Total noninterest expense | $1,073,000 | 8,430 |
| Salaries and employee benefits | $572,000 | 8,305 |
| Premises and equipment expense | $161,000 | 7,804 |
| Additional noninterest expense | $340,000 | 8,455 |
| Pre-tax net operating income | $864,000 | 6,228 |
| Securities gains (losses) | $-8,000 | 10,177 |
| Applicable income taxes | $260,000 | 6,310 |
| Income before extraordinary items | $596,000 | 6,296 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $596,000 | 6,299 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,815 |
| Cash dividends | $300,000 | 4,471 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $601,600 | 6,204 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,844,000 | 7,167 |
| Total interest expense | $2,025,000 | 6,407 |
| Net interest income | $1,819,000 | 7,717 |
| Provision for loan and lease losses | $39,000 | 6,693 |
| Total noninterest income | $217,000 | 8,168 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $119,000 | 7,330 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $98,000 | 7,303 |
| Total noninterest expense | $1,084,000 | 8,639 |
| Salaries and employee benefits | $561,000 | 8,637 |
| Premises and equipment expense | $134,000 | 8,673 |
| Additional noninterest expense | $389,000 | 8,297 |
| Pre-tax net operating income | $913,000 | 6,355 |
| Securities gains (losses) | $44,000 | 1,402 |
| Applicable income taxes | $287,000 | 6,172 |
| Income before extraordinary items | $670,000 | 6,175 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $670,000 | 6,173 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 5,856 |
| Cash dividends | $600,000 | 2,907 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $639,200 | 6,370 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,552,000 | 7,256 |
| Total interest expense | $1,741,000 | 6,231 |
| Net interest income | $1,811,000 | 8,019 |
| Provision for loan and lease losses | $20,000 | 7,754 |
| Total noninterest income | $196,000 | 8,796 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $112,000 | 7,785 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $84,000 | 8,071 |
| Total noninterest expense | $1,141,000 | 8,834 |
| Salaries and employee benefits | $558,000 | 8,899 |
| Premises and equipment expense | $145,000 | 8,686 |
| Additional noninterest expense | $438,000 | 8,450 |
| Pre-tax net operating income | $846,000 | 6,648 |
| Securities gains (losses) | $-59,000 | 11,167 |
| Applicable income taxes | $232,000 | 6,800 |
| Income before extraordinary items | $555,000 | 6,867 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $555,000 | 6,880 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-31,000 | 11,591 |
| Cash dividends | $100,000 | 6,840 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $596,890 | 6,634 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,467,000 | 7,579 |
| Total interest expense | $1,756,000 | 6,464 |
| Net interest income | $1,711,000 | 8,464 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $183,000 | 9,543 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $113,000 | 8,031 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $70,000 | 9,084 |
| Total noninterest expense | $1,113,000 | 9,281 |
| Salaries and employee benefits | $550,000 | 9,216 |
| Premises and equipment expense | $139,000 | 9,201 |
| Additional noninterest expense | $424,000 | 8,987 |
| Pre-tax net operating income | $781,000 | 6,916 |
| Securities gains (losses) | $274,000 | 1,384 |
| Applicable income taxes | $335,000 | 5,672 |
| Income before extraordinary items | $720,000 | 5,985 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $720,000 | 6,145 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 8,222 |
| Cash dividends | $440,000 | 3,435 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $533,680 | 7,019 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,916,000 | 7,622 |
| Total interest expense | $2,149,000 | 6,758 |
| Net interest income | $1,767,000 | 8,448 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $147,000 | 10,553 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $109,000 | 8,244 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $38,000 | 11,181 |
| Total noninterest expense | $1,059,000 | 9,709 |
| Salaries and employee benefits | $526,000 | 9,525 |
| Premises and equipment expense | $123,000 | 9,930 |
| Additional noninterest expense | $410,000 | 9,438 |
| Pre-tax net operating income | $855,000 | 6,314 |
| Securities gains (losses) | $159,000 | 2,342 |
| Applicable income taxes | $348,000 | 5,383 |
| Income before extraordinary items | $666,000 | 6,130 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $666,000 | 6,196 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 9,788 |
| Cash dividends | $470,000 | 2,949 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $561,060 | 6,488 |
* 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.