Home > Commercial Trust and Savings Bank > Income and Expense
Commercial Trust and Savings Bank, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $14,175,000 | 2,302 |
| Total interest expense | $6,364,000 | 2,367 |
| Net interest income | $7,811,000 | 2,190 |
| Provision for loan and lease losses | $300,000 | 2,562 |
| Total noninterest income | $2,039,000 | 1,806 |
| Gross Fiduciary activities income | $524,000 | 626 |
| Service charges on deposit accounts | $902,000 | 1,394 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $613,000 | 2,612 |
| Total noninterest expense | $5,975,000 | 2,183 |
| Salaries and employee benefits | $3,647,000 | 1,836 |
| Premises and equipment expense | $821,000 | 2,388 |
| Additional noninterest expense | $1,507,000 | 2,761 |
| Pre-tax net operating income | $3,575,000 | 2,032 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,119,000 | 2,110 |
| Income before extraordinary items | $2,456,000 | 2,123 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,456,000 | 2,121 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $282,000 | 1,949 |
| Cash dividends | $2,400,000 | 1,159 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,456,000 | 2,055 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $13,957,000 | 2,342 |
| Total interest expense | $6,333,000 | 2,369 |
| Net interest income | $7,624,000 | 2,301 |
| Provision for loan and lease losses | $300,000 | 2,568 |
| Total noninterest income | $1,847,000 | 1,898 |
| Gross Fiduciary activities income | $360,000 | 762 |
| Service charges on deposit accounts | $876,000 | 1,473 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $611,000 | 2,443 |
| Total noninterest expense | $5,747,000 | 2,247 |
| Salaries and employee benefits | $3,473,000 | 1,887 |
| Premises and equipment expense | $830,000 | 2,341 |
| Additional noninterest expense | $1,444,000 | 2,831 |
| Pre-tax net operating income | $3,424,000 | 2,199 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,036,000 | 2,360 |
| Income before extraordinary items | $2,388,000 | 2,214 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,388,000 | 2,214 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $216,000 | 2,425 |
| Cash dividends | $2,000,000 | 1,293 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,388,000 | 2,151 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $12,861,000 | 2,601 |
| Total interest expense | $5,618,000 | 2,701 |
| Net interest income | $7,243,000 | 2,474 |
| Provision for loan and lease losses | $220,000 | 3,199 |
| Total noninterest income | $1,460,000 | 2,343 |
| Gross Fiduciary activities income | $494,000 | 709 |
| Service charges on deposit accounts | $681,000 | 1,988 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $285,000 | 4,206 |
| Total noninterest expense | $5,379,000 | 2,534 |
| Salaries and employee benefits | $3,225,000 | 2,064 |
| Premises and equipment expense | $764,000 | 2,564 |
| Additional noninterest expense | $1,390,000 | 3,331 |
| Pre-tax net operating income | $3,104,000 | 2,298 |
| Securities gains (losses) | $50,000 | 1,326 |
| Applicable income taxes | $1,013,000 | 2,326 |
| Income before extraordinary items | $2,141,000 | 2,296 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,141,000 | 2,296 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $274,000 | 2,207 |
| Cash dividends | $1,800,000 | 1,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,107,000 | 2,280 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $12,359,000 | 2,707 |
| Total interest expense | $5,394,000 | 2,834 |
| Net interest income | $6,965,000 | 2,573 |
| Provision for loan and lease losses | $225,000 | 2,789 |
| Total noninterest income | $1,195,000 | 2,733 |
| Gross Fiduciary activities income | $329,000 | 863 |
| Service charges on deposit accounts | $624,000 | 2,174 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $242,000 | 4,569 |
| Total noninterest expense | $5,210,000 | 2,605 |
| Salaries and employee benefits | $3,081,000 | 2,147 |
| Premises and equipment expense | $833,000 | 2,398 |
| Additional noninterest expense | $1,296,000 | 3,507 |
| Pre-tax net operating income | $2,725,000 | 2,644 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $826,000 | 2,803 |
| Income before extraordinary items | $1,899,000 | 2,627 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,899,000 | 2,626 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-116,000 | 11,762 |
| Cash dividends | $1,100,000 | 1,865 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,899,000 | 2,597 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $11,204,000 | 2,710 |
| Total interest expense | $4,456,000 | 2,753 |
| Net interest income | $6,748,000 | 2,681 |
| Provision for loan and lease losses | $360,000 | 1,966 |
| Total noninterest income | $1,446,000 | 2,363 |
| Gross Fiduciary activities income | $660,000 | 645 |
| Service charges on deposit accounts | $557,000 | 2,444 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $229,000 | 4,827 |
| Total noninterest expense | $5,146,000 | 2,694 |
| Salaries and employee benefits | $2,966,000 | 2,244 |
| Premises and equipment expense | $693,000 | 2,856 |
| Additional noninterest expense | $1,487,000 | 3,322 |
| Pre-tax net operating income | $2,688,000 | 2,638 |
| Securities gains (losses) | $3,000 | 2,889 |
| Applicable income taxes | $713,000 | 3,046 |
| Income before extraordinary items | $1,978,000 | 2,458 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,978,000 | 2,458 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $132,000 | 3,202 |
| Cash dividends | $700,000 | 2,518 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,975,780 | 2,478 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $11,218,000 | 2,764 |
| Total interest expense | $4,672,000 | 2,759 |
| Net interest income | $6,546,000 | 2,754 |
| Provision for loan and lease losses | $330,000 | 2,800 |
| Total noninterest income | $1,089,000 | 3,130 |
| Gross Fiduciary activities income | $418,000 | 828 |
| Service charges on deposit accounts | $417,000 | 3,319 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $254,000 | 4,970 |
| Total noninterest expense | $4,607,000 | 3,055 |
| Salaries and employee benefits | $2,636,000 | 2,521 |
| Premises and equipment expense | $620,000 | 3,223 |
| Additional noninterest expense | $1,351,000 | 3,815 |
| Pre-tax net operating income | $2,698,000 | 2,531 |
| Securities gains (losses) | $60,000 | 3,157 |
| Applicable income taxes | $958,000 | 2,357 |
| Income before extraordinary items | $1,800,000 | 2,765 |
| Extraordinary gains, net | $112,000 | 1,467 |
| Net income | $1,912,000 | 2,720 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $438,000 | 1,934 |
| Cash dividends | $1,200,000 | 1,512 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,761,000 | 2,668 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $12,493,000 | 2,806 |
| Total interest expense | $6,329,000 | 2,660 |
| Net interest income | $6,164,000 | 2,955 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $1,046,000 | 3,196 |
| Gross Fiduciary activities income | $394,000 | 849 |
| Service charges on deposit accounts | $386,000 | 3,605 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $266,000 | 4,770 |
| Total noninterest expense | $4,692,000 | 3,039 |
| Salaries and employee benefits | $2,605,000 | 2,479 |
| Premises and equipment expense | $542,000 | 3,701 |
| Additional noninterest expense | $1,545,000 | 3,511 |
| Pre-tax net operating income | $2,518,000 | 2,467 |
| Securities gains (losses) | $105,000 | 2,939 |
| Applicable income taxes | $814,000 | 2,570 |
| Income before extraordinary items | $1,809,000 | 2,539 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,809,000 | 2,575 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $107,000 | 5,743 |
| Cash dividends | $600,000 | 2,382 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,736,550 | 2,450 |
* 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.