Home > Citizens State Bank, Roby, Texas > Income and Expense
Citizens State Bank, Roby, Texas, Income and Expense
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,490,000 | 10,752 |
| Total interest expense | $626,000 | 10,484 |
| Net interest income | $864,000 | 10,839 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $145,000 | 9,799 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $117,000 | 7,668 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $28,000 | 10,920 |
| Total noninterest expense | $678,000 | 10,793 |
| Salaries and employee benefits | $475,000 | 9,617 |
| Premises and equipment expense | $38,000 | 12,035 |
| Additional noninterest expense | $165,000 | 11,585 |
| Pre-tax net operating income | $331,000 | 9,899 |
| Securities gains (losses) | $-59,000 | 11,167 |
| Applicable income taxes | $27,000 | 10,992 |
| Income before extraordinary items | $245,000 | 9,752 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $245,000 | 9,764 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $20,000 | 8,568 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $298,100 | 9,228 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,509,000 | 11,226 |
| Total interest expense | $582,000 | 11,245 |
| Net interest income | $927,000 | 11,049 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $140,000 | 10,406 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $114,000 | 7,999 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $26,000 | 11,580 |
| Total noninterest expense | $729,000 | 11,022 |
| Salaries and employee benefits | $514,000 | 9,535 |
| Premises and equipment expense | $34,000 | 12,727 |
| Additional noninterest expense | $181,000 | 12,000 |
| Pre-tax net operating income | $338,000 | 9,908 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $83,000 | 10,142 |
| Income before extraordinary items | $255,000 | 9,987 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $255,000 | 10,120 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $40,000 | 8,186 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $255,000 | 9,732 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,612,000 | 11,701 |
| Total interest expense | $669,000 | 11,971 |
| Net interest income | $943,000 | 11,331 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $137,000 | 10,753 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $113,000 | 8,135 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $24,000 | 12,236 |
| Total noninterest expense | $555,000 | 12,329 |
| Salaries and employee benefits | $387,000 | 11,014 |
| Premises and equipment expense | $22,000 | 13,625 |
| Additional noninterest expense | $146,000 | 13,009 |
| Pre-tax net operating income | $525,000 | 8,231 |
| Securities gains (losses) | $-2,000 | 12,861 |
| Applicable income taxes | $100,000 | 9,918 |
| Income before extraordinary items | $423,000 | 7,984 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $423,000 | 8,114 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $424,620 | 7,617 |
* 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.