Home > The Citizens Bank and Trust Company of Grayson County > Income and Expense
The Citizens Bank and Trust Company of Grayson County, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,828,000 | 5,186 |
| Total interest expense | $1,916,000 | 6,393 |
| Net interest income | $3,912,000 | 4,260 |
| Provision for loan and lease losses | $150,000 | 4,393 |
| Total noninterest income | $523,000 | 4,792 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $383,000 | 3,361 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $140,000 | 5,650 |
| Total noninterest expense | $1,954,000 | 5,760 |
| Salaries and employee benefits | $1,062,000 | 5,684 |
| Premises and equipment expense | $186,000 | 6,980 |
| Additional noninterest expense | $706,000 | 5,145 |
| Pre-tax net operating income | $2,331,000 | 2,940 |
| Securities gains (losses) | $4,000 | 1,432 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $2,335,000 | 2,215 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,335,000 | 2,215 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 3,753 |
| Cash dividends | $2,215,000 | 1,244 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,331,000 | 2,225 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,178,000 | 5,447 |
| Total interest expense | $1,734,000 | 6,488 |
| Net interest income | $3,444,000 | 4,702 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $507,000 | 4,913 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $371,000 | 3,408 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $136,000 | 5,845 |
| Total noninterest expense | $2,119,000 | 5,457 |
| Salaries and employee benefits | $1,060,000 | 5,663 |
| Premises and equipment expense | $195,000 | 6,889 |
| Additional noninterest expense | $864,000 | 4,520 |
| Pre-tax net operating income | $1,832,000 | 3,559 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $1,832,000 | 2,766 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,832,000 | 2,767 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 9,412 |
| Cash dividends | $1,261,000 | 1,903 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,832,000 | 2,734 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,120,000 | 5,594 |
| Total interest expense | $1,754,000 | 6,653 |
| Net interest income | $3,366,000 | 4,739 |
| Provision for loan and lease losses | $120,000 | 4,610 |
| Total noninterest income | $468,000 | 5,125 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $336,000 | 3,594 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $132,000 | 5,980 |
| Total noninterest expense | $1,847,000 | 5,887 |
| Salaries and employee benefits | $999,000 | 5,799 |
| Premises and equipment expense | $200,000 | 6,717 |
| Additional noninterest expense | $648,000 | 5,458 |
| Pre-tax net operating income | $1,867,000 | 3,527 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $605,000 | 3,384 |
| Income before extraordinary items | $1,262,000 | 3,766 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,262,000 | 3,765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-39,000 | 10,046 |
| Cash dividends | $300,000 | 4,531 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,262,000 | 3,679 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,993,000 | 5,805 |
| Total interest expense | $1,636,000 | 7,037 |
| Net interest income | $3,357,000 | 4,878 |
| Provision for loan and lease losses | $240,000 | 3,015 |
| Total noninterest income | $443,000 | 5,384 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $301,000 | 4,059 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $142,000 | 5,840 |
| Total noninterest expense | $1,782,000 | 6,111 |
| Salaries and employee benefits | $947,000 | 6,075 |
| Premises and equipment expense | $202,000 | 6,803 |
| Additional noninterest expense | $633,000 | 5,600 |
| Pre-tax net operating income | $1,778,000 | 3,899 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $568,000 | 3,841 |
| Income before extraordinary items | $1,210,000 | 4,021 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,210,000 | 4,020 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 3,887 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,210,000 | 3,956 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,762,000 | 6,144 |
| Total interest expense | $1,729,000 | 7,012 |
| Net interest income | $3,033,000 | 5,402 |
| Provision for loan and lease losses | $240,000 | 3,003 |
| Total noninterest income | $456,000 | 5,494 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $318,000 | 4,049 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $138,000 | 6,206 |
| Total noninterest expense | $1,719,000 | 6,572 |
| Salaries and employee benefits | $908,000 | 6,421 |
| Premises and equipment expense | $200,000 | 7,027 |
| Additional noninterest expense | $611,000 | 6,292 |
| Pre-tax net operating income | $1,530,000 | 4,269 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $481,000 | 4,269 |
| Income before extraordinary items | $1,049,000 | 4,309 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,049,000 | 4,310 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $265,000 | 2,260 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,049,000 | 4,257 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,701,000 | 6,238 |
| Total interest expense | $1,693,000 | 7,155 |
| Net interest income | $3,008,000 | 5,487 |
| Provision for loan and lease losses | $90,000 | 4,814 |
| Total noninterest income | $449,000 | 5,556 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $318,000 | 4,084 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $131,000 | 6,381 |
| Total noninterest expense | $1,740,000 | 6,623 |
| Salaries and employee benefits | $899,000 | 6,561 |
| Premises and equipment expense | $197,000 | 7,255 |
| Additional noninterest expense | $644,000 | 6,236 |
| Pre-tax net operating income | $1,627,000 | 4,168 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $520,000 | 4,074 |
| Income before extraordinary items | $1,107,000 | 4,230 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,107,000 | 4,227 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $288,000 | 1,985 |
| Cash dividends | $1,500,000 | 1,498 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,107,000 | 4,207 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,052,000 | 6,630 |
| Total interest expense | $1,354,000 | 7,386 |
| Net interest income | $2,698,000 | 6,104 |
| Provision for loan and lease losses | $60,000 | 5,594 |
| Total noninterest income | $406,000 | 6,092 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $262,000 | 4,862 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $144,000 | 6,323 |
| Total noninterest expense | $1,766,000 | 6,777 |
| Salaries and employee benefits | $842,000 | 6,965 |
| Premises and equipment expense | $194,000 | 7,568 |
| Additional noninterest expense | $730,000 | 6,128 |
| Pre-tax net operating income | $1,278,000 | 5,002 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $383,000 | 4,914 |
| Income before extraordinary items | $895,000 | 4,939 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $895,000 | 4,944 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 11,219 |
| Cash dividends | $75,000 | 7,404 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $895,000 | 4,997 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,878,000 | 7,025 |
| Total interest expense | $1,416,000 | 7,488 |
| Net interest income | $2,462,000 | 6,622 |
| Provision for loan and lease losses | $60,000 | 6,949 |
| Total noninterest income | $380,000 | 6,701 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $254,000 | 5,049 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $126,000 | 7,138 |
| Total noninterest expense | $1,827,000 | 6,807 |
| Salaries and employee benefits | $809,000 | 7,265 |
| Premises and equipment expense | $194,000 | 7,809 |
| Additional noninterest expense | $824,000 | 5,779 |
| Pre-tax net operating income | $955,000 | 6,093 |
| Securities gains (losses) | $-17,000 | 12,886 |
| Applicable income taxes | $248,000 | 6,836 |
| Income before extraordinary items | $690,000 | 6,181 |
| Extraordinary gains, net | $57,000 | 2,070 |
| Net income | $747,000 | 5,991 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 9,293 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $702,580 | 5,827 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,202,000 | 7,240 |
| Total interest expense | $1,926,000 | 7,285 |
| Net interest income | $2,276,000 | 7,061 |
| Provision for loan and lease losses | $60,000 | 8,535 |
| Total noninterest income | $365,000 | 6,901 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $249,000 | 5,154 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $116,000 | 7,567 |
| Total noninterest expense | $1,654,000 | 7,390 |
| Salaries and employee benefits | $756,000 | 7,572 |
| Premises and equipment expense | $176,000 | 8,414 |
| Additional noninterest expense | $722,000 | 6,607 |
| Pre-tax net operating income | $927,000 | 5,962 |
| Securities gains (losses) | $-1,000 | 12,730 |
| Applicable income taxes | $263,000 | 6,460 |
| Income before extraordinary items | $663,000 | 6,150 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $663,000 | 6,218 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-21,000 | 13,107 |
| Cash dividends | $60,000 | 7,413 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $663,720 | 5,798 |
* 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.