Home > First Citizens State Bank > Income and Expense
First Citizens State Bank, Income and Expense
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,220,000 | 3,721 |
| Total interest expense | $2,487,000 | 3,354 |
| Net interest income | $4,733,000 | 3,843 |
| Provision for loan and lease losses | $510,000 | 2,129 |
| Total noninterest income | $880,000 | 4,003 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $440,000 | 3,436 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $440,000 | 3,792 |
| Total noninterest expense | $2,831,000 | 4,792 |
| Salaries and employee benefits | $1,493,000 | 4,862 |
| Premises and equipment expense | $326,000 | 5,408 |
| Additional noninterest expense | $1,012,000 | 4,236 |
| Pre-tax net operating income | $2,272,000 | 3,097 |
| Securities gains (losses) | $122,000 | 1,712 |
| Applicable income taxes | $702,000 | 2,798 |
| Income before extraordinary items | $1,692,000 | 3,248 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,692,000 | 3,250 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $565,000 | 1,461 |
| Cash dividends | $693,000 | 2,967 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,605,380 | 3,232 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,453,000 | 3,740 |
| Total interest expense | $1,916,000 | 3,385 |
| Net interest income | $3,537,000 | 3,874 |
| Provision for loan and lease losses | $360,000 | 2,185 |
| Total noninterest income | $577,000 | 4,362 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $230,000 | 4,260 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $347,000 | 3,790 |
| Total noninterest expense | $2,172,000 | 4,704 |
| Salaries and employee benefits | $1,155,000 | 4,757 |
| Premises and equipment expense | $264,000 | 5,147 |
| Additional noninterest expense | $753,000 | 4,244 |
| Pre-tax net operating income | $1,582,000 | 3,411 |
| Securities gains (losses) | $122,000 | 1,572 |
| Applicable income taxes | $488,000 | 3,076 |
| Income before extraordinary items | $1,216,000 | 3,467 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,216,000 | 3,466 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $411,000 | 1,368 |
| Cash dividends | $328,000 | 3,348 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,129,380 | 3,498 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,697,000 | 3,724 |
| Total interest expense | $1,324,000 | 3,392 |
| Net interest income | $2,373,000 | 3,856 |
| Provision for loan and lease losses | $240,000 | 2,189 |
| Total noninterest income | $355,000 | 4,545 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $110,000 | 5,032 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $245,000 | 3,660 |
| Total noninterest expense | $1,476,000 | 4,647 |
| Salaries and employee benefits | $782,000 | 4,685 |
| Premises and equipment expense | $177,000 | 5,101 |
| Additional noninterest expense | $517,000 | 4,131 |
| Pre-tax net operating income | $1,012,000 | 3,498 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $276,000 | 3,384 |
| Income before extraordinary items | $736,000 | 3,726 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $736,000 | 3,726 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $222,000 | 1,536 |
| Cash dividends | $314,000 | 2,811 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $736,000 | 3,528 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,890,000 | 3,691 |
| Total interest expense | $699,000 | 3,322 |
| Net interest income | $1,191,000 | 3,846 |
| Provision for loan and lease losses | $120,000 | 2,030 |
| Total noninterest income | $188,000 | 4,314 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $48,000 | 5,295 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $140,000 | 3,340 |
| Total noninterest expense | $741,000 | 4,614 |
| Salaries and employee benefits | $392,000 | 4,676 |
| Premises and equipment expense | $95,000 | 4,865 |
| Additional noninterest expense | $254,000 | 4,153 |
| Pre-tax net operating income | $518,000 | 3,410 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $133,000 | 3,442 |
| Income before extraordinary items | $385,000 | 3,567 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $385,000 | 3,565 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $107,000 | 1,449 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $385,000 | 3,388 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $7,923,000 | 3,667 |
| Total interest expense | $3,122,000 | 3,432 |
| Net interest income | $4,801,000 | 3,780 |
| Provision for loan and lease losses | $460,000 | 2,532 |
| Total noninterest income | $659,000 | 4,486 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $237,000 | 4,824 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $422,000 | 3,608 |
| Total noninterest expense | $2,955,000 | 4,510 |
| Salaries and employee benefits | $1,560,000 | 4,545 |
| Premises and equipment expense | $338,000 | 5,198 |
| Additional noninterest expense | $1,057,000 | 3,993 |
| Pre-tax net operating income | $2,045,000 | 3,371 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $533,000 | 3,333 |
| Income before extraordinary items | $1,512,000 | 3,480 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,512,000 | 3,478 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $513,000 | 1,625 |
| Cash dividends | $600,000 | 3,138 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,512,000 | 3,376 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,912,000 | 3,674 |
| Total interest expense | $3,988,000 | 3,800 |
| Net interest income | $4,924,000 | 3,477 |
| Provision for loan and lease losses | $180,000 | 4,345 |
| Total noninterest income | $541,000 | 4,842 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $188,000 | 5,308 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $353,000 | 3,798 |
| Total noninterest expense | $2,614,000 | 4,811 |
| Salaries and employee benefits | $1,396,000 | 4,764 |
| Premises and equipment expense | $331,000 | 5,217 |
| Additional noninterest expense | $887,000 | 4,456 |
| Pre-tax net operating income | $2,671,000 | 2,532 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $798,000 | 2,428 |
| Income before extraordinary items | $1,873,000 | 2,690 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,873,000 | 2,694 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $341,000 | 2,047 |
| Cash dividends | $1,111,000 | 2,062 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,873,000 | 2,605 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,735,000 | 3,831 |
| Total interest expense | $3,884,000 | 4,062 |
| Net interest income | $4,851,000 | 3,572 |
| Provision for loan and lease losses | $-180,000 | 9,840 |
| Total noninterest income | $341,000 | 5,965 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $168,000 | 5,511 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $173,000 | 5,141 |
| Total noninterest expense | $2,370,000 | 5,043 |
| Salaries and employee benefits | $1,253,000 | 5,035 |
| Premises and equipment expense | $347,000 | 4,960 |
| Additional noninterest expense | $770,000 | 4,857 |
| Pre-tax net operating income | $3,002,000 | 2,395 |
| Securities gains (losses) | $2,000 | 1,609 |
| Applicable income taxes | $1,008,000 | 2,104 |
| Income before extraordinary items | $1,996,000 | 2,575 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,996,000 | 2,574 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-282,000 | 9,850 |
| Cash dividends | $590,000 | 3,266 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,994,680 | 2,574 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,858,000 | 3,974 |
| Total interest expense | $3,269,000 | 4,297 |
| Net interest income | $4,589,000 | 3,720 |
| Provision for loan and lease losses | $120,000 | 4,720 |
| Total noninterest income | $266,000 | 6,774 |
| Gross Fiduciary activities income | $1,000 | 1,355 |
| Service charges on deposit accounts | $117,000 | 6,410 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $148,000 | 5,639 |
| Total noninterest expense | $2,375,000 | 5,065 |
| Salaries and employee benefits | $1,348,000 | 4,732 |
| Premises and equipment expense | $305,000 | 5,412 |
| Additional noninterest expense | $722,000 | 5,147 |
| Pre-tax net operating income | $2,360,000 | 2,926 |
| Securities gains (losses) | $11,000 | 1,705 |
| Applicable income taxes | $752,000 | 2,773 |
| Income before extraordinary items | $1,619,000 | 3,061 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,619,000 | 3,062 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 3,890 |
| Cash dividends | $1,814,000 | 1,472 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,611,520 | 3,033 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,465,000 | 4,173 |
| Total interest expense | $3,171,000 | 4,513 |
| Net interest income | $4,294,000 | 3,885 |
| Provision for loan and lease losses | $30,000 | 7,298 |
| Total noninterest income | $296,000 | 6,525 |
| Gross Fiduciary activities income | $3,000 | 1,349 |
| Service charges on deposit accounts | $138,000 | 6,129 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $155,000 | 5,595 |
| Total noninterest expense | $2,138,000 | 5,328 |
| Salaries and employee benefits | $1,205,000 | 5,062 |
| Premises and equipment expense | $232,000 | 6,228 |
| Additional noninterest expense | $701,000 | 5,159 |
| Pre-tax net operating income | $2,422,000 | 2,862 |
| Securities gains (losses) | $50,000 | 1,732 |
| Applicable income taxes | $802,000 | 2,741 |
| Income before extraordinary items | $1,670,000 | 2,973 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,670,000 | 2,974 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 4,482 |
| Cash dividends | $3,054,000 | 957 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,636,000 | 2,946 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,432,000 | 4,278 |
| Total interest expense | $3,142,000 | 4,531 |
| Net interest income | $4,290,000 | 3,983 |
| Provision for loan and lease losses | $135,000 | 4,360 |
| Total noninterest income | $292,000 | 6,733 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $160,000 | 6,003 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $132,000 | 6,034 |
| Total noninterest expense | $2,024,000 | 5,618 |
| Salaries and employee benefits | $1,156,000 | 5,260 |
| Premises and equipment expense | $220,000 | 6,498 |
| Additional noninterest expense | $648,000 | 5,514 |
| Pre-tax net operating income | $2,423,000 | 2,994 |
| Securities gains (losses) | $23,000 | 1,798 |
| Applicable income taxes | $794,000 | 2,948 |
| Income before extraordinary items | $1,652,000 | 3,073 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,652,000 | 3,072 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $95,000 | 3,930 |
| Cash dividends | $383,000 | 4,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,636,360 | 3,040 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,360,000 | 4,373 |
| Total interest expense | $3,331,000 | 4,371 |
| Net interest income | $4,029,000 | 4,295 |
| Provision for loan and lease losses | $150,000 | 4,046 |
| Total noninterest income | $258,000 | 7,479 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $160,000 | 6,291 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $98,000 | 7,185 |
| Total noninterest expense | $1,991,000 | 5,960 |
| Salaries and employee benefits | $1,120,000 | 5,520 |
| Premises and equipment expense | $237,000 | 6,434 |
| Additional noninterest expense | $634,000 | 6,135 |
| Pre-tax net operating income | $2,146,000 | 3,225 |
| Securities gains (losses) | $20,000 | 2,000 |
| Applicable income taxes | $626,000 | 3,464 |
| Income before extraordinary items | $1,540,000 | 3,120 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,540,000 | 3,121 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-56,000 | 11,073 |
| Cash dividends | $315,000 | 4,401 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,525,800 | 3,106 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,792,000 | 4,688 |
| Total interest expense | $3,199,000 | 4,483 |
| Net interest income | $3,593,000 | 4,739 |
| Provision for loan and lease losses | $205,000 | 2,949 |
| Total noninterest income | $318,000 | 6,877 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $143,000 | 6,812 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $175,000 | 5,531 |
| Total noninterest expense | $1,913,000 | 6,197 |
| Salaries and employee benefits | $996,000 | 6,092 |
| Premises and equipment expense | $207,000 | 7,060 |
| Additional noninterest expense | $710,000 | 5,779 |
| Pre-tax net operating income | $1,793,000 | 3,861 |
| Securities gains (losses) | $-3,000 | 9,402 |
| Applicable income taxes | $471,000 | 4,379 |
| Income before extraordinary items | $1,319,000 | 3,634 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,319,000 | 3,631 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 10,558 |
| Cash dividends | $230,000 | 5,161 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,321,220 | 3,605 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,459,000 | 5,279 |
| Total interest expense | $2,283,000 | 5,010 |
| Net interest income | $3,176,000 | 5,360 |
| Provision for loan and lease losses | $126,000 | 3,941 |
| Total noninterest income | $303,000 | 7,201 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $179,000 | 6,275 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $124,000 | 6,824 |
| Total noninterest expense | $1,886,000 | 6,484 |
| Salaries and employee benefits | $996,000 | 6,106 |
| Premises and equipment expense | $208,000 | 7,250 |
| Additional noninterest expense | $682,000 | 6,455 |
| Pre-tax net operating income | $1,467,000 | 4,494 |
| Securities gains (losses) | $-15,000 | 10,127 |
| Applicable income taxes | $318,000 | 5,654 |
| Income before extraordinary items | $1,134,000 | 4,071 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,134,000 | 4,072 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-54,000 | 11,924 |
| Cash dividends | $215,000 | 5,286 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,145,700 | 4,069 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,616,000 | 5,234 |
| Total interest expense | $2,412,000 | 4,982 |
| Net interest income | $3,204,000 | 5,345 |
| Provision for loan and lease losses | $543,000 | 1,982 |
| Total noninterest income | $322,000 | 7,357 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $41,000 | 10,371 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $281,000 | 4,644 |
| Total noninterest expense | $1,922,000 | 6,552 |
| Salaries and employee benefits | $911,000 | 6,648 |
| Premises and equipment expense | $226,000 | 7,166 |
| Additional noninterest expense | $785,000 | 6,011 |
| Pre-tax net operating income | $1,061,000 | 5,645 |
| Securities gains (losses) | $244,000 | 1,479 |
| Applicable income taxes | $487,000 | 4,283 |
| Income before extraordinary items | $818,000 | 5,470 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $818,000 | 5,610 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $796,000 | 1,325 |
| Cash dividends | $200,000 | 5,372 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $661,840 | 6,106 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,815,000 | 5,637 |
| Total interest expense | $2,563,000 | 5,867 |
| Net interest income | $3,252,000 | 5,335 |
| Provision for loan and lease losses | $240,000 | 4,686 |
| Total noninterest income | $339,000 | 7,232 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $73,000 | 9,449 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $266,000 | 4,770 |
| Total noninterest expense | $1,987,000 | 6,414 |
| Salaries and employee benefits | $861,000 | 6,865 |
| Premises and equipment expense | $276,000 | 6,348 |
| Additional noninterest expense | $850,000 | 5,798 |
| Pre-tax net operating income | $1,364,000 | 4,421 |
| Securities gains (losses) | $23,000 | 5,402 |
| Applicable income taxes | $492,000 | 4,057 |
| Income before extraordinary items | $895,000 | 4,953 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $895,000 | 5,006 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 6,002 |
| Cash dividends | $176,000 | 5,397 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $880,050 | 4,702 |
* 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.