Home > Citizens State Bank of St. James > Income and Expense
Citizens State Bank of St. James, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,914,000 | 5,800 |
| Total interest expense | $2,612,000 | 5,409 |
| Net interest income | $2,302,000 | 6,108 |
| Provision for loan and lease losses | $90,000 | 5,514 |
| Total noninterest income | $534,000 | 4,724 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $184,000 | 5,315 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $350,000 | 3,621 |
| Total noninterest expense | $1,308,000 | 7,224 |
| Salaries and employee benefits | $769,000 | 6,883 |
| Premises and equipment expense | $91,000 | 8,596 |
| Additional noninterest expense | $448,000 | 6,789 |
| Pre-tax net operating income | $1,438,000 | 4,182 |
| Securities gains (losses) | $-2,000 | 7,578 |
| Applicable income taxes | $169,000 | 5,723 |
| Income before extraordinary items | $1,267,000 | 3,714 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,267,000 | 3,714 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 4,454 |
| Cash dividends | $1,181,000 | 2,023 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,268,760 | 3,696 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,323,000 | 6,082 |
| Total interest expense | $2,101,000 | 5,805 |
| Net interest income | $2,222,000 | 6,240 |
| Provision for loan and lease losses | $60,000 | 6,124 |
| Total noninterest income | $407,000 | 5,553 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $150,000 | 5,840 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $257,000 | 4,370 |
| Total noninterest expense | $1,188,000 | 7,595 |
| Salaries and employee benefits | $697,000 | 7,253 |
| Premises and equipment expense | $113,000 | 8,364 |
| Additional noninterest expense | $378,000 | 7,458 |
| Pre-tax net operating income | $1,381,000 | 4,340 |
| Securities gains (losses) | $-11,000 | 9,339 |
| Applicable income taxes | $137,000 | 6,439 |
| Income before extraordinary items | $1,233,000 | 3,794 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,233,000 | 3,795 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 4,488 |
| Cash dividends | $1,350,000 | 1,816 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,242,900 | 3,736 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,336,000 | 6,198 |
| Total interest expense | $2,093,000 | 6,034 |
| Net interest income | $2,243,000 | 6,222 |
| Provision for loan and lease losses | $140,000 | 4,320 |
| Total noninterest income | $502,000 | 4,918 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $166,000 | 5,666 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $336,000 | 3,778 |
| Total noninterest expense | $1,238,000 | 7,436 |
| Salaries and employee benefits | $700,000 | 7,186 |
| Premises and equipment expense | $108,000 | 8,537 |
| Additional noninterest expense | $430,000 | 6,978 |
| Pre-tax net operating income | $1,367,000 | 4,461 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $148,000 | 6,865 |
| Income before extraordinary items | $1,219,000 | 3,882 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,219,000 | 3,880 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 3,991 |
| Cash dividends | $1,563,000 | 1,599 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,219,000 | 3,792 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,993,000 | 6,670 |
| Total interest expense | $2,039,000 | 6,191 |
| Net interest income | $1,954,000 | 7,015 |
| Provision for loan and lease losses | $36,000 | 7,137 |
| Total noninterest income | $351,000 | 6,164 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $179,000 | 5,677 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $172,000 | 5,333 |
| Total noninterest expense | $1,074,000 | 8,082 |
| Salaries and employee benefits | $611,000 | 7,841 |
| Premises and equipment expense | $115,000 | 8,614 |
| Additional noninterest expense | $348,000 | 7,823 |
| Pre-tax net operating income | $1,195,000 | 5,266 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $468,000 | 4,418 |
| Income before extraordinary items | $727,000 | 5,778 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $727,000 | 5,781 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 4,933 |
| Cash dividends | $400,000 | 3,931 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $727,000 | 5,730 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,620,000 | 7,250 |
| Total interest expense | $1,820,000 | 6,801 |
| Net interest income | $1,800,000 | 7,564 |
| Provision for loan and lease losses | $36,000 | 7,135 |
| Total noninterest income | $845,000 | 3,554 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $180,000 | 5,903 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $665,000 | 2,391 |
| Total noninterest expense | $1,045,000 | 8,518 |
| Salaries and employee benefits | $549,000 | 8,499 |
| Premises and equipment expense | $127,000 | 8,603 |
| Additional noninterest expense | $369,000 | 8,163 |
| Pre-tax net operating income | $1,564,000 | 4,191 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $597,000 | 3,605 |
| Income before extraordinary items | $967,000 | 4,620 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $967,000 | 4,621 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 5,431 |
| Cash dividends | $905,000 | 2,297 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $967,000 | 4,563 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,498,000 | 7,551 |
| Total interest expense | $1,770,000 | 6,972 |
| Net interest income | $1,728,000 | 7,938 |
| Provision for loan and lease losses | $36,000 | 6,768 |
| Total noninterest income | $325,000 | 6,785 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $177,000 | 6,130 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $148,000 | 6,025 |
| Total noninterest expense | $992,000 | 8,983 |
| Salaries and employee benefits | $528,000 | 8,873 |
| Premises and equipment expense | $118,000 | 9,102 |
| Additional noninterest expense | $346,000 | 8,730 |
| Pre-tax net operating income | $1,025,000 | 5,892 |
| Securities gains (losses) | $21,000 | 1,877 |
| Applicable income taxes | $411,000 | 4,855 |
| Income before extraordinary items | $635,000 | 6,405 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $635,000 | 6,403 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 3,672 |
| Cash dividends | $350,000 | 4,167 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $621,560 | 6,472 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,079,000 | 7,920 |
| Total interest expense | $1,338,000 | 7,431 |
| Net interest income | $1,741,000 | 8,198 |
| Provision for loan and lease losses | $60,000 | 5,594 |
| Total noninterest income | $365,000 | 6,482 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $143,000 | 7,061 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $222,000 | 4,938 |
| Total noninterest expense | $1,035,000 | 9,228 |
| Salaries and employee benefits | $551,000 | 8,950 |
| Premises and equipment expense | $110,000 | 9,702 |
| Additional noninterest expense | $374,000 | 9,093 |
| Pre-tax net operating income | $1,011,000 | 5,906 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $412,000 | 4,665 |
| Income before extraordinary items | $599,000 | 6,554 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $599,000 | 6,570 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,658 |
| Cash dividends | $350,000 | 4,074 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $599,000 | 6,605 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,040,000 | 8,267 |
| Total interest expense | $1,227,000 | 8,152 |
| Net interest income | $1,813,000 | 8,215 |
| Provision for loan and lease losses | $150,000 | 4,621 |
| Total noninterest income | $400,000 | 6,480 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $120,000 | 7,832 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $280,000 | 4,660 |
| Total noninterest expense | $1,002,000 | 9,717 |
| Salaries and employee benefits | $518,000 | 9,481 |
| Premises and equipment expense | $99,000 | 10,473 |
| Additional noninterest expense | $385,000 | 9,428 |
| Pre-tax net operating income | $1,061,000 | 5,645 |
| Securities gains (losses) | $189,000 | 1,763 |
| Applicable income taxes | $494,000 | 4,239 |
| Income before extraordinary items | $756,000 | 5,798 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $756,000 | 5,945 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 4,557 |
| Cash dividends | $450,000 | 3,356 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $635,040 | 6,286 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,356,000 | 10,176 |
| Total interest expense | $1,085,000 | 10,035 |
| Net interest income | $1,271,000 | 10,059 |
| Provision for loan and lease losses | $5,000 | 11,499 |
| Total noninterest income | $274,000 | 8,113 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $100,000 | 8,522 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $174,000 | 6,145 |
| Total noninterest expense | $757,000 | 11,221 |
| Salaries and employee benefits | $349,000 | 11,447 |
| Premises and equipment expense | $60,000 | 12,283 |
| Additional noninterest expense | $348,000 | 10,214 |
| Pre-tax net operating income | $783,000 | 6,642 |
| Securities gains (losses) | $28,000 | 5,098 |
| Applicable income taxes | $326,000 | 5,617 |
| Income before extraordinary items | $485,000 | 7,461 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $485,000 | 7,556 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 8,345 |
| Cash dividends | $310,000 | 3,924 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $467,080 | 7,245 |
* 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.