Home > Citizens State Bank of Echo > Income and Expense
Citizens State Bank of Echo, Income and Expense
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $745,000 | 12,139 |
| Total interest expense | $306,000 | 12,018 |
| Net interest income | $439,000 | 12,162 |
| Provision for loan and lease losses | $90,000 | 4,765 |
| Total noninterest income | $33,000 | 12,227 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $15,000 | 10,642 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 11,564 |
| Total noninterest expense | $381,000 | 12,113 |
| Salaries and employee benefits | $243,000 | 11,724 |
| Premises and equipment expense | $40,000 | 11,980 |
| Additional noninterest expense | $98,000 | 12,307 |
| Pre-tax net operating income | $1,000 | 12,058 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $-5,000 | 12,058 |
| Income before extraordinary items | $6,000 | 12,019 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $6,000 | 12,020 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $132,000 | 3,202 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $6,000 | 12,050 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $725,000 | 12,775 |
| Total interest expense | $311,000 | 12,632 |
| Net interest income | $414,000 | 12,777 |
| Provision for loan and lease losses | $84,000 | 6,228 |
| Total noninterest income | $30,000 | 12,933 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $13,000 | 11,144 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 12,255 |
| Total noninterest expense | $335,000 | 12,875 |
| Salaries and employee benefits | $204,000 | 12,599 |
| Premises and equipment expense | $29,000 | 12,876 |
| Additional noninterest expense | $102,000 | 12,912 |
| Pre-tax net operating income | $25,000 | 12,292 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $3,000 | 12,012 |
| Income before extraordinary items | $22,000 | 12,414 |
| Extraordinary gains, net | $-18,000 | 12,434 |
| Net income | $4,000 | 12,527 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 5,636 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $22,000 | 12,284 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $825,000 | 13,312 |
| Total interest expense | $400,000 | 13,177 |
| Net interest income | $425,000 | 13,319 |
| Provision for loan and lease losses | $34,000 | 9,820 |
| Total noninterest income | $39,000 | 13,364 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $14,000 | 11,513 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $25,000 | 12,163 |
| Total noninterest expense | $361,000 | 13,356 |
| Salaries and employee benefits | $208,000 | 13,070 |
| Premises and equipment expense | $31,000 | 13,377 |
| Additional noninterest expense | $122,000 | 13,307 |
| Pre-tax net operating income | $69,000 | 12,279 |
| Securities gains (losses) | $1,000 | 7,986 |
| Applicable income taxes | $16,000 | 12,206 |
| Income before extraordinary items | $54,000 | 12,521 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $54,000 | 12,530 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 9,274 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $53,230 | 12,264 |
* 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.