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Citizens State Bank of Gaylord, Income and Expense

2001-12-31 (YTD Data)		Rank
Total interest income	$4,253,000	6,147
Total interest expense	$2,290,000	5,682
Net interest income	$1,963,000	6,487
Provision for loan and lease losses	$165,000	4,586
Total noninterest income	$218,000	7,142
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$138,000	5,971
Trading account gains and fees	$0	177
Additional Noninterest Income	$80,000	6,875
Total noninterest expense	$1,602,000	6,572
Salaries and employee benefits	$982,000	6,051
Premises and equipment expense	$212,000	6,623
Additional noninterest expense	$408,000	7,079
Pre-tax net operating income	$414,000	6,914
Securities gains (losses)	$150,000	1,408
Applicable income taxes	$220,000	4,856
Income before extraordinary items	$344,000	6,861
Extraordinary gains, net	$0	105
Net income	$344,000	6,863
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$241,000	2,553
Cash dividends	$365,000	4,056
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$248,000	7,330
2000-12-31 (YTD Data)		Rank
Total interest income	$4,289,000	6,259
Total interest expense	$2,310,000	5,824
Net interest income	$1,979,000	6,589
Provision for loan and lease losses	$0	8,337
Total noninterest income	$246,000	6,815
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$112,000	6,358
Trading account gains and fees	NA	NA
Additional Noninterest Income	$134,000	5,749
Total noninterest expense	$1,610,000	6,460
Salaries and employee benefits	$899,000	6,320
Premises and equipment expense	$237,000	6,234
Additional noninterest expense	$474,000	6,623
Pre-tax net operating income	$615,000	6,526
Securities gains (losses)	$0	1,956
Applicable income taxes	$249,000	4,993
Income before extraordinary items	$366,000	7,065
Extraordinary gains, net	$0	38
Net income	$366,000	7,063
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$130,000	3,120
Cash dividends	$200,000	5,103
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$366,000	7,058
1999-12-31 (YTD Data)		Rank
Total interest income	$3,725,000	6,588
Total interest expense	$1,898,000	6,182
Net interest income	$1,827,000	6,960
Provision for loan and lease losses	$0	8,503
Total noninterest income	$211,000	7,363
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$114,000	6,468
Trading account gains and fees	NA	NA
Additional Noninterest Income	$97,000	6,712
Total noninterest expense	$1,644,000	6,430
Salaries and employee benefits	$727,000	7,101
Premises and equipment expense	$252,000	6,012
Additional noninterest expense	$665,000	5,440
Pre-tax net operating income	$394,000	7,625
Securities gains (losses)	$0	3,155
Applicable income taxes	$153,000	6,242
Income before extraordinary items	$241,000	7,996
Extraordinary gains, net	$0	35
Net income	$241,000	7,994
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$37,000	5,310
Cash dividends	$90,000	6,196
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$241,000	7,970
1998-12-31 (YTD Data)		Rank
Total interest income	$3,857,000	6,593
Total interest expense	$2,019,000	6,163
Net interest income	$1,838,000	6,972
Provision for loan and lease losses	$400,000	2,051
Total noninterest income	$208,000	7,483
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$140,000	6,094
Trading account gains and fees	NA	NA
Additional Noninterest Income	$68,000	7,535
Total noninterest expense	$1,412,000	6,931
Salaries and employee benefits	$634,000	7,567
Premises and equipment expense	$193,000	6,822
Additional noninterest expense	$585,000	5,854
Pre-tax net operating income	$234,000	8,748
Securities gains (losses)	$0	4,449
Applicable income taxes	$53,000	8,285
Income before extraordinary items	$181,000	8,749
Extraordinary gains, net	$0	32
Net income	$181,000	8,748
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$188,000	2,548
Cash dividends	$430,000	3,854
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$181,000	8,682
1997-12-31 (YTD Data)		Rank
Total interest income	$3,571,000	7,086
Total interest expense	$1,745,000	6,792
Net interest income	$1,826,000	7,260
Provision for loan and lease losses	$45,000	6,862
Total noninterest income	$362,000	6,065
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$146,000	6,234
Trading account gains and fees	NA	NA
Additional Noninterest Income	$216,000	4,771
Total noninterest expense	$1,392,000	7,055
Salaries and employee benefits	$686,000	7,397
Premises and equipment expense	$177,000	7,240
Additional noninterest expense	$529,000	6,282
Pre-tax net operating income	$751,000	6,771
Securities gains (losses)	$-7,000	9,846
Applicable income taxes	$296,000	5,759
Income before extraordinary items	$448,000	7,325
Extraordinary gains, net	$0	44
Net income	$448,000	7,328
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$50,000	5,126
Cash dividends	$300,000	4,516
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$452,480	7,241
1996-12-31 (YTD Data)		Rank
Total interest income	$3,097,000	7,883
Total interest expense	$1,530,000	7,498
Net interest income	$1,567,000	8,107
Provision for loan and lease losses	$0	9,041
Total noninterest income	$558,000	4,789
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$119,000	7,081
Trading account gains and fees	NA	NA
Additional Noninterest Income	$439,000	3,199
Total noninterest expense	$1,210,000	7,958
Salaries and employee benefits	$584,000	8,233
Premises and equipment expense	$160,000	7,826
Additional noninterest expense	$466,000	7,338
Pre-tax net operating income	$915,000	6,034
Securities gains (losses)	$-5,000	9,952
Applicable income taxes	$235,000	6,641
Income before extraordinary items	$675,000	5,868
Extraordinary gains, net	$0	53
Net income	$675,000	5,870
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-15,000	10,561
Cash dividends	$200,000	5,388
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$678,700	5,799
1995-12-31 (YTD Data)		Rank
Total interest income	$2,832,000	8,463
Total interest expense	$1,330,000	8,191
Net interest income	$1,502,000	8,530
Provision for loan and lease losses	$0	8,958
Total noninterest income	$141,000	9,468
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$79,000	8,338
Trading account gains and fees	NA	NA
Additional Noninterest Income	$62,000	8,656
Total noninterest expense	$1,250,000	8,041
Salaries and employee benefits	$633,000	8,162
Premises and equipment expense	$188,000	7,429
Additional noninterest expense	$429,000	7,910
Pre-tax net operating income	$393,000	9,116
Securities gains (losses)	$12,000	2,250
Applicable income taxes	$139,000	8,466
Income before extraordinary items	$266,000	9,265
Extraordinary gains, net	$0	65
Net income	$266,000	9,270
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	7,680
Cash dividends	$215,000	5,307
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$258,080	9,318
1994-12-31 (YTD Data)		Rank
Total interest income	$2,499,000	8,904
Total interest expense	$1,012,000	8,642
Net interest income	$1,487,000	8,922
Provision for loan and lease losses	$0	9,146
Total noninterest income	$121,000	10,271
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$86,000	8,498
Trading account gains and fees	NA	NA
Additional Noninterest Income	$35,000	10,473
Total noninterest expense	$1,251,000	8,415
Salaries and employee benefits	$671,000	8,107
Premises and equipment expense	$162,000	8,250
Additional noninterest expense	$418,000	8,640
Pre-tax net operating income	$357,000	9,679
Securities gains (losses)	$5,000	2,624
Applicable income taxes	$125,000	8,819
Income before extraordinary items	$237,000	9,840
Extraordinary gains, net	$0	249
Net income	$237,000	9,852
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-54,000	11,924
Cash dividends	$165,000	5,872
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$233,750	9,954
1993-12-31 (YTD Data)		Rank
Total interest income	$2,529,000	9,132
Total interest expense	$988,000	9,167
Net interest income	$1,541,000	8,975
Provision for loan and lease losses	$0	10,371
Total noninterest income	$134,000	10,548
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$82,000	8,937
Trading account gains and fees	NA	NA
Additional Noninterest Income	$52,000	9,987
Total noninterest expense	$1,169,000	9,016
Salaries and employee benefits	$695,000	8,025
Premises and equipment expense	$158,000	8,699
Additional noninterest expense	$316,000	10,242
Pre-tax net operating income	$506,000	8,626
Securities gains (losses)	$14,000	5,105
Applicable income taxes	$188,000	7,851
Income before extraordinary items	$332,000	9,116
Extraordinary gains, net	$0	3,149
Net income	$332,000	9,275
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	11,050
Cash dividends	$170,000	5,821
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$323,040	8,950
1992-12-31 (YTD Data)		Rank
Total interest income	$2,701,000	9,530
Total interest expense	$1,240,000	9,455
Net interest income	$1,461,000	9,407
Provision for loan and lease losses	$0	11,756
Total noninterest income	$122,000	11,132
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$74,000	9,405
Trading account gains and fees	NA	NA
Additional Noninterest Income	$48,000	10,527
Total noninterest expense	$1,065,000	9,688
Salaries and employee benefits	$640,000	8,450
Premises and equipment expense	$139,000	9,430
Additional noninterest expense	$286,000	11,047
Pre-tax net operating income	$518,000	8,283
Securities gains (losses)	$16,000	5,884
Applicable income taxes	$184,000	7,884
Income before extraordinary items	$350,000	8,724
Extraordinary gains, net	$0	1,422
Net income	$350,000	8,859
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$77,000	6,549
Cash dividends	$150,000	5,711
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$339,440	8,464

* 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.