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Citizens State Bank of Montgomery, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$2,937,0007,607
Total interest expense$1,344,0007,555
Net interest income$1,593,0007,484
Provision for loan and lease losses$08,652
Total noninterest income$254,0006,962
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$168,0005,635
Trading account gains and feesNANA
Additional Noninterest Income$86,0006,994
Total noninterest expense$1,139,0007,712
Salaries and employee benefits$524,0008,209
Premises and equipment expense$122,0008,215
Additional noninterest expense$493,0006,490
Pre-tax net operating income$708,0006,450
Securities gains (losses)$-1,0009,769
Applicable income taxes$305,0005,126
Income before extraordinary items$402,0007,204
Extraordinary gains, net$032
Net income$402,0007,201
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$72,0004,245
Cash dividends$439,0003,835
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$402,6407,112
1997-12-31 (YTD Data)Rank
Total interest income$2,764,0008,048
Total interest expense$1,251,0007,976
Net interest income$1,513,0007,949
Provision for loan and lease losses$08,829
Total noninterest income$275,0006,955
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$144,0006,280
Trading account gains and feesNANA
Additional Noninterest Income$131,0006,052
Total noninterest expense$1,010,0008,308
Salaries and employee benefits$540,0008,333
Premises and equipment expense$111,0008,713
Additional noninterest expense$359,0007,716
Pre-tax net operating income$778,0006,639
Securities gains (losses)$-4,0009,548
Applicable income taxes$335,0005,429
Income before extraordinary items$439,0007,385
Extraordinary gains, net$044
Net income$439,0007,388
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,513
Cash dividends$560,0003,228
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$441,5607,317
1996-12-31 (YTD Data)Rank
Total interest income$2,700,0008,429
Total interest expense$1,213,0008,343
Net interest income$1,487,0008,299
Provision for loan and lease losses$09,041
Total noninterest income$484,0005,277
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$157,0006,347
Trading account gains and feesNANA
Additional Noninterest Income$327,0003,872
Total noninterest expense$1,003,0008,656
Salaries and employee benefits$537,0008,601
Premises and equipment expense$102,0009,234
Additional noninterest expense$364,0008,218
Pre-tax net operating income$968,0005,848
Securities gains (losses)$-7,00010,114
Applicable income taxes$398,0004,908
Income before extraordinary items$563,0006,488
Extraordinary gains, net$053
Net income$563,0006,491
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$10,0007,500
Cash dividends$197,0005,531
Sale, conversion, retirement of capital stock, net$0953
Net operating income$567,4806,393
1995-12-31 (YTD Data)Rank
Total interest income$1,737,00010,108
Total interest expense$859,0009,766
Net interest income$878,00010,315
Provision for loan and lease losses$32,0007,011
Total noninterest income$151,0009,301
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$101,0007,760
Trading account gains and feesNANA
Additional Noninterest Income$50,0009,224
Total noninterest expense$639,00010,416
Salaries and employee benefits$337,00010,423
Premises and equipment expense$67,00010,564
Additional noninterest expense$235,0009,999
Pre-tax net operating income$358,0009,338
Securities gains (losses)$-3,0009,402
Applicable income taxes$157,0008,143
Income before extraordinary items$198,0009,951
Extraordinary gains, net$065
Net income$198,0009,956
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$48,0005,213
Cash dividends$539,0003,167
Sale, conversion, retirement of capital stock, net$0809
Net operating income$199,9209,910
1994-12-31 (YTD Data)Rank
Total interest income$2,252,0009,338
Total interest expense$883,0009,211
Net interest income$1,369,0009,251
Provision for loan and lease losses$34,0006,932
Total noninterest income$447,0005,712
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$125,0007,476
Trading account gains and feesNANA
Additional Noninterest Income$322,0003,905
Total noninterest expense$925,0009,655
Salaries and employee benefits$479,0009,585
Premises and equipment expense$96,00010,152
Additional noninterest expense$350,0009,349
Pre-tax net operating income$857,0006,596
Securities gains (losses)$03,600
Applicable income taxes$318,0005,654
Income before extraordinary items$539,0007,009
Extraordinary gains, net$0249
Net income$539,0007,022
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$24,0006,338
Cash dividends$380,0003,868
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$539,0007,059
1993-12-31 (YTD Data)Rank
Total interest income$2,133,0009,922
Total interest expense$878,0009,644
Net interest income$1,255,0009,887
Provision for loan and lease losses$50,0007,415
Total noninterest income$225,0008,774
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$99,0008,412
Trading account gains and feesNANA
Additional Noninterest Income$126,0007,138
Total noninterest expense$881,00010,285
Salaries and employee benefits$423,00010,412
Premises and equipment expense$79,00011,181
Additional noninterest expense$379,0009,492
Pre-tax net operating income$549,0008,303
Securities gains (losses)$26,0004,293
Applicable income taxes$212,0007,394
Income before extraordinary items$363,0008,809
Extraordinary gains, net$03,149
Net income$363,0008,977
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-30,00012,362
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$346,3608,715
1992-12-31 (YTD Data)Rank
Total interest income$182,00013,867
Total interest expense$81,00013,835
Net interest income$101,00013,853
Provision for loan and lease losses$011,756
Total noninterest income$21,00013,669
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$7,00011,651
Trading account gains and feesNANA
Additional Noninterest Income$14,00013,064
Total noninterest expense$56,00013,916
Salaries and employee benefits$31,00013,901
Premises and equipment expense$11,00013,823
Additional noninterest expense$14,00013,912
Pre-tax net operating income$66,00012,301
Securities gains (losses)$08,369
Applicable income taxes$25,00011,957
Income before extraordinary items$41,00012,631
Extraordinary gains, net$01,422
Net income$41,00012,635
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$011,197
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$41,00012,379

* 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.