Home > The Castalia Banking Company > Income and Expense
The Castalia Banking Company, Income and Expense
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,059,000 | 6,791 |
| Total interest expense | $881,000 | 7,251 |
| Net interest income | $2,178,000 | 6,361 |
| Provision for loan and lease losses | $7,000 | 7,905 |
| Total noninterest income | $379,000 | 5,907 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $262,000 | 4,578 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $117,000 | 6,114 |
| Total noninterest expense | $1,296,000 | 7,255 |
| Salaries and employee benefits | $555,000 | 7,908 |
| Premises and equipment expense | $143,000 | 7,535 |
| Additional noninterest expense | $598,000 | 5,945 |
| Pre-tax net operating income | $1,254,000 | 4,595 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $404,000 | 3,869 |
| Income before extraordinary items | $850,000 | 5,040 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $850,000 | 5,040 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,516 |
| Cash dividends | $370,000 | 3,978 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $850,000 | 4,910 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,589,000 | 6,688 |
| Total interest expense | $1,270,000 | 7,457 |
| Net interest income | $2,319,000 | 5,975 |
| Provision for loan and lease losses | $11,000 | 7,912 |
| Total noninterest income | $272,000 | 6,650 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $174,000 | 5,460 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $98,000 | 6,492 |
| Total noninterest expense | $1,474,000 | 6,852 |
| Salaries and employee benefits | $565,000 | 7,831 |
| Premises and equipment expense | $131,000 | 7,839 |
| Additional noninterest expense | $778,000 | 4,877 |
| Pre-tax net operating income | $1,106,000 | 4,639 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $427,000 | 3,607 |
| Income before extraordinary items | $679,000 | 5,301 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $679,000 | 5,305 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,796 |
| Cash dividends | $890,000 | 2,467 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $679,000 | 5,181 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,746,000 | 6,688 |
| Total interest expense | $1,343,000 | 7,478 |
| Net interest income | $2,403,000 | 5,955 |
| Provision for loan and lease losses | $3,000 | 8,228 |
| Total noninterest income | $256,000 | 6,710 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $175,000 | 5,428 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $81,000 | 6,893 |
| Total noninterest expense | $1,500,000 | 6,752 |
| Salaries and employee benefits | $594,000 | 7,728 |
| Premises and equipment expense | $144,000 | 7,690 |
| Additional noninterest expense | $762,000 | 4,891 |
| Pre-tax net operating income | $1,156,000 | 4,834 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $442,000 | 3,773 |
| Income before extraordinary items | $714,000 | 5,363 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $714,000 | 5,363 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 5,979 |
| Cash dividends | $950,000 | 2,385 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $714,000 | 5,370 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,593,000 | 6,733 |
| Total interest expense | $1,362,000 | 7,278 |
| Net interest income | $2,231,000 | 6,219 |
| Provision for loan and lease losses | $6,000 | 8,268 |
| Total noninterest income | $164,000 | 7,923 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $107,000 | 6,576 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $57,000 | 7,811 |
| Total noninterest expense | $1,502,000 | 6,778 |
| Salaries and employee benefits | $613,000 | 7,681 |
| Premises and equipment expense | $122,000 | 8,192 |
| Additional noninterest expense | $767,000 | 4,939 |
| Pre-tax net operating income | $887,000 | 5,645 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $347,000 | 4,496 |
| Income before extraordinary items | $540,000 | 6,211 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $540,000 | 6,209 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 6,573 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $540,000 | 6,196 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,828,000 | 6,625 |
| Total interest expense | $1,520,000 | 7,152 |
| Net interest income | $2,308,000 | 6,118 |
| Provision for loan and lease losses | $11,000 | 8,185 |
| Total noninterest income | $143,000 | 8,329 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $68,000 | 7,585 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $75,000 | 7,329 |
| Total noninterest expense | $1,510,000 | 6,659 |
| Salaries and employee benefits | $646,000 | 7,488 |
| Premises and equipment expense | $115,000 | 8,378 |
| Additional noninterest expense | $749,000 | 4,902 |
| Pre-tax net operating income | $930,000 | 5,637 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $366,000 | 4,657 |
| Income before extraordinary items | $564,000 | 6,242 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $564,000 | 6,241 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,720 |
| Cash dividends | $3,005,000 | 965 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $564,000 | 6,127 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,781,000 | 6,868 |
| Total interest expense | $1,570,000 | 7,181 |
| Net interest income | $2,211,000 | 6,508 |
| Provision for loan and lease losses | $13,000 | 8,228 |
| Total noninterest income | $128,000 | 8,924 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $70,000 | 7,887 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $58,000 | 8,093 |
| Total noninterest expense | $1,418,000 | 6,990 |
| Salaries and employee benefits | $595,000 | 7,954 |
| Premises and equipment expense | $131,000 | 8,214 |
| Additional noninterest expense | $692,000 | 5,260 |
| Pre-tax net operating income | $908,000 | 6,125 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $365,000 | 5,169 |
| Income before extraordinary items | $543,000 | 6,714 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $543,000 | 6,716 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,408 |
| Cash dividends | $463,000 | 3,651 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $543,000 | 6,656 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,780,000 | 7,078 |
| Total interest expense | $1,612,000 | 7,298 |
| Net interest income | $2,168,000 | 6,824 |
| Provision for loan and lease losses | $18,000 | 8,074 |
| Total noninterest income | $138,000 | 9,209 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $75,000 | 8,148 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $63,000 | 8,357 |
| Total noninterest expense | $1,501,000 | 7,106 |
| Salaries and employee benefits | $664,000 | 7,747 |
| Premises and equipment expense | $124,000 | 8,694 |
| Additional noninterest expense | $713,000 | 5,670 |
| Pre-tax net operating income | $787,000 | 6,556 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $318,000 | 5,629 |
| Income before extraordinary items | $469,000 | 7,119 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $469,000 | 7,121 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $415,000 | 3,800 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $469,000 | 7,061 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,798,000 | 7,211 |
| Total interest expense | $1,592,000 | 7,443 |
| Net interest income | $2,206,000 | 6,860 |
| Provision for loan and lease losses | $30,000 | 7,070 |
| Total noninterest income | $124,000 | 9,779 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $74,000 | 8,484 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $50,000 | 9,224 |
| Total noninterest expense | $1,567,000 | 7,075 |
| Salaries and employee benefits | $668,000 | 7,938 |
| Premises and equipment expense | $133,000 | 8,707 |
| Additional noninterest expense | $766,000 | 5,436 |
| Pre-tax net operating income | $733,000 | 7,146 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $298,000 | 6,021 |
| Income before extraordinary items | $435,000 | 7,776 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $435,000 | 7,775 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 6,109 |
| Cash dividends | $350,000 | 4,167 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $435,000 | 7,740 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,503,000 | 7,317 |
| Total interest expense | $1,428,000 | 7,107 |
| Net interest income | $2,075,000 | 7,388 |
| Provision for loan and lease losses | $7,000 | 8,694 |
| Total noninterest income | $113,000 | 10,449 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $53,000 | 9,590 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $60,000 | 9,091 |
| Total noninterest expense | $1,583,000 | 7,350 |
| Salaries and employee benefits | $608,000 | 8,559 |
| Premises and equipment expense | $150,000 | 8,551 |
| Additional noninterest expense | $825,000 | 5,562 |
| Pre-tax net operating income | $598,000 | 8,013 |
| Securities gains (losses) | $8,000 | 2,362 |
| Applicable income taxes | $235,000 | 6,753 |
| Income before extraordinary items | $371,000 | 8,452 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $371,000 | 8,454 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 10,805 |
| Cash dividends | $329,000 | 4,230 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $365,880 | 8,541 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,575,000 | 7,426 |
| Total interest expense | $1,616,000 | 6,835 |
| Net interest income | $1,959,000 | 7,800 |
| Provision for loan and lease losses | $4,000 | 10,179 |
| Total noninterest income | $110,000 | 11,078 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $53,000 | 9,944 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $57,000 | 9,699 |
| Total noninterest expense | $1,533,000 | 7,721 |
| Salaries and employee benefits | $612,000 | 8,702 |
| Premises and equipment expense | $138,000 | 9,226 |
| Additional noninterest expense | $783,000 | 6,029 |
| Pre-tax net operating income | $532,000 | 8,434 |
| Securities gains (losses) | $1,000 | 7,052 |
| Applicable income taxes | $160,000 | 8,417 |
| Income before extraordinary items | $373,000 | 8,708 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $373,000 | 8,858 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 7,654 |
| Cash dividends | $271,000 | 4,667 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $372,300 | 8,453 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,899,000 | 7,644 |
| Total interest expense | $2,100,000 | 6,867 |
| Net interest income | $1,799,000 | 8,352 |
| Provision for loan and lease losses | $13,000 | 10,972 |
| Total noninterest income | $93,000 | 11,911 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $55,000 | 10,113 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $38,000 | 11,181 |
| Total noninterest expense | $1,449,000 | 8,100 |
| Salaries and employee benefits | $624,000 | 8,606 |
| Premises and equipment expense | $123,000 | 9,930 |
| Additional noninterest expense | $702,000 | 6,732 |
| Pre-tax net operating income | $430,000 | 8,961 |
| Securities gains (losses) | $5,000 | 7,049 |
| Applicable income taxes | $110,000 | 9,648 |
| Income before extraordinary items | $325,000 | 8,990 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $325,000 | 9,136 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 12,286 |
| Cash dividends | $183,000 | 5,297 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $321,250 | 8,663 |
* 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.