Home > City State Bank > Income and Expense
City State Bank, Income and Expense
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,370,000 | 4,924 |
| Total interest expense | $2,425,000 | 4,200 |
| Net interest income | $2,945,000 | 5,344 |
| Provision for loan and lease losses | $313,000 | 3,337 |
| Total noninterest income | $1,949,000 | 2,174 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,039,000 | 1,555 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $910,000 | 2,313 |
| Total noninterest expense | $3,134,000 | 4,321 |
| Salaries and employee benefits | $1,321,000 | 5,149 |
| Premises and equipment expense | $408,000 | 4,575 |
| Additional noninterest expense | $1,405,000 | 3,120 |
| Pre-tax net operating income | $1,447,000 | 4,209 |
| Securities gains (losses) | $79,000 | 1,976 |
| Applicable income taxes | $491,000 | 3,483 |
| Income before extraordinary items | $1,035,000 | 4,505 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,035,000 | 4,505 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $201,000 | 3,009 |
| Cash dividends | $500,000 | 3,434 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $981,280 | 4,529 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,352,000 | 4,762 |
| Total interest expense | $3,926,000 | 3,863 |
| Net interest income | $2,426,000 | 5,815 |
| Provision for loan and lease losses | $322,000 | 3,063 |
| Total noninterest income | $2,012,000 | 2,003 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,035,000 | 1,440 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $977,000 | 2,074 |
| Total noninterest expense | $2,972,000 | 4,361 |
| Salaries and employee benefits | $1,160,000 | 5,448 |
| Premises and equipment expense | $370,000 | 4,847 |
| Additional noninterest expense | $1,442,000 | 2,971 |
| Pre-tax net operating income | $1,144,000 | 4,541 |
| Securities gains (losses) | $48,000 | 2,391 |
| Applicable income taxes | $354,000 | 3,960 |
| Income before extraordinary items | $838,000 | 4,763 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $838,000 | 4,765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $524,000 | 1,514 |
| Cash dividends | $1,400,000 | 1,751 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $804,400 | 4,745 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,893,000 | 4,645 |
| Total interest expense | $4,352,000 | 3,723 |
| Net interest income | $2,541,000 | 5,742 |
| Provision for loan and lease losses | $118,000 | 4,994 |
| Total noninterest income | $2,079,000 | 1,815 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $809,000 | 1,714 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,270,000 | 1,585 |
| Total noninterest expense | $2,712,000 | 4,579 |
| Salaries and employee benefits | $1,090,000 | 5,594 |
| Premises and equipment expense | $349,000 | 4,941 |
| Additional noninterest expense | $1,273,000 | 3,238 |
| Pre-tax net operating income | $1,790,000 | 3,583 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $602,000 | 3,100 |
| Income before extraordinary items | $1,188,000 | 3,889 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,188,000 | 3,889 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $183,000 | 2,541 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,188,000 | 3,868 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,346,000 | 4,223 |
| Total interest expense | $4,073,000 | 3,532 |
| Net interest income | $3,273,000 | 4,861 |
| Provision for loan and lease losses | $150,000 | 4,234 |
| Total noninterest income | $937,000 | 3,245 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $554,000 | 2,404 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $383,000 | 3,531 |
| Total noninterest expense | $2,586,000 | 4,755 |
| Salaries and employee benefits | $1,102,000 | 5,484 |
| Premises and equipment expense | $346,000 | 5,002 |
| Additional noninterest expense | $1,138,000 | 3,612 |
| Pre-tax net operating income | $1,474,000 | 4,149 |
| Securities gains (losses) | $-39,000 | 9,736 |
| Applicable income taxes | $460,000 | 3,802 |
| Income before extraordinary items | $975,000 | 4,508 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $975,000 | 4,508 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 5,465 |
| Cash dividends | $400,000 | 3,903 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,001,520 | 4,402 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,735,000 | 4,530 |
| Total interest expense | $3,653,000 | 3,975 |
| Net interest income | $3,082,000 | 5,042 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $587,000 | 4,450 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $437,000 | 2,904 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $150,000 | 5,678 |
| Total noninterest expense | $2,270,000 | 5,100 |
| Salaries and employee benefits | $986,000 | 5,840 |
| Premises and equipment expense | $288,000 | 5,507 |
| Additional noninterest expense | $996,000 | 3,979 |
| Pre-tax net operating income | $1,399,000 | 4,407 |
| Securities gains (losses) | $14,000 | 2,712 |
| Applicable income taxes | $451,000 | 4,120 |
| Income before extraordinary items | $962,000 | 4,634 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $962,000 | 4,634 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,546 |
| Cash dividends | $600,000 | 3,104 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $952,480 | 4,558 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,416,000 | 4,816 |
| Total interest expense | $3,445,000 | 4,195 |
| Net interest income | $2,971,000 | 5,341 |
| Provision for loan and lease losses | $9,000 | 8,470 |
| Total noninterest income | $657,000 | 4,160 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $432,000 | 3,020 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $225,000 | 4,675 |
| Total noninterest expense | $2,025,000 | 5,615 |
| Salaries and employee benefits | $882,000 | 6,386 |
| Premises and equipment expense | $258,000 | 5,947 |
| Additional noninterest expense | $885,000 | 4,375 |
| Pre-tax net operating income | $1,594,000 | 4,253 |
| Securities gains (losses) | $1,000 | 3,559 |
| Applicable income taxes | $557,000 | 3,896 |
| Income before extraordinary items | $1,038,000 | 4,568 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,038,000 | 4,567 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 6,380 |
| Cash dividends | $410,000 | 3,889 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,037,350 | 4,509 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,082,000 | 5,136 |
| Total interest expense | $3,283,000 | 4,423 |
| Net interest income | $2,799,000 | 5,727 |
| Provision for loan and lease losses | $36,000 | 7,135 |
| Total noninterest income | $427,000 | 5,731 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $348,000 | 3,774 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $79,000 | 7,772 |
| Total noninterest expense | $1,811,000 | 6,358 |
| Salaries and employee benefits | $847,000 | 6,733 |
| Premises and equipment expense | $238,000 | 6,414 |
| Additional noninterest expense | $726,000 | 5,593 |
| Pre-tax net operating income | $1,379,000 | 4,630 |
| Securities gains (losses) | $4,000 | 3,123 |
| Applicable income taxes | $493,000 | 4,195 |
| Income before extraordinary items | $890,000 | 4,912 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $890,000 | 4,913 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 4,754 |
| Cash dividends | $270,000 | 4,778 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $887,440 | 4,869 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,404,000 | 5,655 |
| Total interest expense | $2,802,000 | 5,055 |
| Net interest income | $2,602,000 | 6,123 |
| Provision for loan and lease losses | $36,000 | 6,768 |
| Total noninterest income | $455,000 | 5,512 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $309,000 | 4,187 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $146,000 | 6,069 |
| Total noninterest expense | $1,775,000 | 6,531 |
| Salaries and employee benefits | $772,000 | 7,260 |
| Premises and equipment expense | $237,000 | 6,557 |
| Additional noninterest expense | $766,000 | 5,436 |
| Pre-tax net operating income | $1,246,000 | 5,130 |
| Securities gains (losses) | $1,000 | 3,512 |
| Applicable income taxes | $435,000 | 4,647 |
| Income before extraordinary items | $812,000 | 5,390 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $812,000 | 5,387 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,779 |
| Cash dividends | $375,000 | 4,026 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $811,350 | 5,362 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,174,000 | 6,497 |
| Total interest expense | $1,711,000 | 6,304 |
| Net interest income | $2,463,000 | 6,550 |
| Provision for loan and lease losses | $74,000 | 5,218 |
| Total noninterest income | $371,000 | 6,429 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $305,000 | 4,303 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $66,000 | 8,828 |
| Total noninterest expense | $1,673,000 | 7,059 |
| Salaries and employee benefits | $728,000 | 7,686 |
| Premises and equipment expense | $213,000 | 7,166 |
| Additional noninterest expense | $732,000 | 6,114 |
| Pre-tax net operating income | $1,087,000 | 5,617 |
| Securities gains (losses) | $-10,000 | 9,836 |
| Applicable income taxes | $358,000 | 5,177 |
| Income before extraordinary items | $719,000 | 5,805 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $719,000 | 5,820 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-48,000 | 11,861 |
| Cash dividends | $450,000 | 3,436 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $725,700 | 5,840 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,977,000 | 6,898 |
| Total interest expense | $1,541,000 | 7,075 |
| Net interest income | $2,436,000 | 6,658 |
| Provision for loan and lease losses | $210,000 | 3,794 |
| Total noninterest income | $371,000 | 6,791 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $300,000 | 4,426 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $71,000 | 9,036 |
| Total noninterest expense | $1,668,000 | 7,297 |
| Salaries and employee benefits | $670,000 | 8,224 |
| Premises and equipment expense | $246,000 | 6,763 |
| Additional noninterest expense | $752,000 | 6,226 |
| Pre-tax net operating income | $929,000 | 6,213 |
| Securities gains (losses) | $8,000 | 5,699 |
| Applicable income taxes | $291,000 | 6,186 |
| Income before extraordinary items | $646,000 | 6,452 |
| Extraordinary gains, net | $333,000 | 643 |
| Net income | $979,000 | 4,913 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $221,000 | 2,945 |
| Cash dividends | $250,000 | 4,831 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $640,480 | 6,245 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,269,000 | 7,162 |
| Total interest expense | $2,012,000 | 7,083 |
| Net interest income | $2,257,000 | 7,101 |
| Provision for loan and lease losses | $539,000 | 2,838 |
| Total noninterest income | $349,000 | 7,131 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $290,000 | 4,573 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $59,000 | 9,852 |
| Total noninterest expense | $1,742,000 | 7,144 |
| Salaries and employee benefits | $699,000 | 7,993 |
| Premises and equipment expense | $272,000 | 6,405 |
| Additional noninterest expense | $771,000 | 6,276 |
| Pre-tax net operating income | $325,000 | 9,908 |
| Securities gains (losses) | $176,000 | 2,193 |
| Applicable income taxes | $170,000 | 8,171 |
| Income before extraordinary items | $331,000 | 8,919 |
| Extraordinary gains, net | $170,000 | 505 |
| Net income | $501,000 | 7,422 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $520,000 | 2,407 |
| Cash dividends | $235,000 | 4,665 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $214,840 | 10,047 |
* 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.