Home > The Citizens National Bank > Income and Expense
The Citizens National Bank, Income and Expense
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $23,586,000 | 1,207 |
| Total interest expense | $8,069,000 | 1,111 |
| Net interest income | $15,517,000 | 1,240 |
| Provision for loan and lease losses | $100,000 | 5,309 |
| Total noninterest income | $3,197,000 | 1,599 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,552,000 | 1,112 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,645,000 | 1,696 |
| Total noninterest expense | $11,012,000 | 1,454 |
| Salaries and employee benefits | $5,007,000 | 1,718 |
| Premises and equipment expense | $1,568,000 | 1,447 |
| Additional noninterest expense | $4,437,000 | 1,140 |
| Pre-tax net operating income | $7,602,000 | 1,106 |
| Securities gains (losses) | $2,066,000 | 292 |
| Applicable income taxes | $1,839,000 | 1,367 |
| Income before extraordinary items | $7,829,000 | 828 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $7,829,000 | 831 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $550,000 | 1,488 |
| Cash dividends | $5,457,000 | 580 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $6,155,540 | 982 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $17,906,000 | 1,223 |
| Total interest expense | $6,241,000 | 1,123 |
| Net interest income | $11,665,000 | 1,257 |
| Provision for loan and lease losses | $100,000 | 4,641 |
| Total noninterest income | $2,434,000 | 1,623 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,141,000 | 1,136 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,293,000 | 1,705 |
| Total noninterest expense | $8,079,000 | 1,490 |
| Salaries and employee benefits | $3,674,000 | 1,766 |
| Premises and equipment expense | $1,164,000 | 1,478 |
| Additional noninterest expense | $3,241,000 | 1,164 |
| Pre-tax net operating income | $5,920,000 | 1,098 |
| Securities gains (losses) | $2,065,000 | 271 |
| Applicable income taxes | $1,584,000 | 1,283 |
| Income before extraordinary items | $6,401,000 | 798 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $6,401,000 | 799 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $434,000 | 1,308 |
| Cash dividends | $3,868,000 | 594 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $4,749,000 | 992 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $12,153,000 | 1,215 |
| Total interest expense | $4,336,000 | 1,104 |
| Net interest income | $7,817,000 | 1,246 |
| Provision for loan and lease losses | $100,000 | 3,841 |
| Total noninterest income | $1,604,000 | 1,636 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $744,000 | 1,149 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $860,000 | 1,696 |
| Total noninterest expense | $5,420,000 | 1,480 |
| Salaries and employee benefits | $2,469,000 | 1,738 |
| Premises and equipment expense | $796,000 | 1,439 |
| Additional noninterest expense | $2,155,000 | 1,168 |
| Pre-tax net operating income | $3,901,000 | 1,102 |
| Securities gains (losses) | $1,709,000 | 256 |
| Applicable income taxes | $1,136,000 | 1,232 |
| Income before extraordinary items | $4,474,000 | 762 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $4,474,000 | 763 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $373,000 | 1,045 |
| Cash dividends | $2,535,000 | 596 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $3,106,800 | 993 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $6,268,000 | 1,179 |
| Total interest expense | $2,334,000 | 1,055 |
| Net interest income | $3,934,000 | 1,240 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $812,000 | 1,564 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $367,000 | 1,124 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $445,000 | 1,604 |
| Total noninterest expense | $2,705,000 | 1,468 |
| Salaries and employee benefits | $1,237,000 | 1,725 |
| Premises and equipment expense | $426,000 | 1,360 |
| Additional noninterest expense | $1,042,000 | 1,173 |
| Pre-tax net operating income | $2,041,000 | 1,063 |
| Securities gains (losses) | $251,000 | 573 |
| Applicable income taxes | $391,000 | 1,656 |
| Income before extraordinary items | $1,901,000 | 880 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,901,000 | 879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $212,000 | 909 |
| Cash dividends | $1,270,000 | 557 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,692,670 | 919 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $26,884,000 | 1,144 |
| Total interest expense | $11,014,000 | 1,013 |
| Net interest income | $15,870,000 | 1,217 |
| Provision for loan and lease losses | $300,000 | 3,409 |
| Total noninterest income | $2,825,000 | 1,626 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,330,000 | 1,216 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,495,000 | 1,647 |
| Total noninterest expense | $11,052,000 | 1,397 |
| Salaries and employee benefits | $5,054,000 | 1,602 |
| Premises and equipment expense | $1,917,000 | 1,157 |
| Additional noninterest expense | $4,081,000 | 1,195 |
| Pre-tax net operating income | $7,343,000 | 1,143 |
| Securities gains (losses) | $842,000 | 474 |
| Applicable income taxes | $1,480,000 | 1,669 |
| Income before extraordinary items | $6,705,000 | 932 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $6,705,000 | 931 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $228,000 | 2,813 |
| Cash dividends | $4,744,000 | 655 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $6,014,560 | 1,003 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $28,011,000 | 1,226 |
| Total interest expense | $13,919,000 | 1,161 |
| Net interest income | $14,092,000 | 1,263 |
| Provision for loan and lease losses | $800,000 | 1,496 |
| Total noninterest income | $2,191,000 | 1,875 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,062,000 | 1,406 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,129,000 | 1,877 |
| Total noninterest expense | $9,019,000 | 1,617 |
| Salaries and employee benefits | $4,629,000 | 1,618 |
| Premises and equipment expense | $1,766,000 | 1,199 |
| Additional noninterest expense | $2,624,000 | 1,746 |
| Pre-tax net operating income | $6,464,000 | 1,156 |
| Securities gains (losses) | $1,279,000 | 353 |
| Applicable income taxes | $1,590,000 | 1,424 |
| Income before extraordinary items | $6,153,000 | 894 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $6,153,000 | 895 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $243,000 | 2,542 |
| Cash dividends | $4,199,000 | 708 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $5,142,590 | 1,026 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $27,896,000 | 1,271 |
| Total interest expense | $14,498,000 | 1,198 |
| Net interest income | $13,398,000 | 1,306 |
| Provision for loan and lease losses | $732,000 | 1,367 |
| Total noninterest income | $1,499,000 | 2,341 |
| Gross Fiduciary activities income | $11,000 | 1,210 |
| Service charges on deposit accounts | $687,000 | 2,020 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $801,000 | 2,146 |
| Total noninterest expense | $9,472,000 | 1,468 |
| Salaries and employee benefits | $4,535,000 | 1,568 |
| Premises and equipment expense | $1,820,000 | 1,097 |
| Additional noninterest expense | $3,117,000 | 1,441 |
| Pre-tax net operating income | $4,693,000 | 1,573 |
| Securities gains (losses) | $-341,000 | 9,659 |
| Applicable income taxes | $549,000 | 3,290 |
| Income before extraordinary items | $3,803,000 | 1,386 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,803,000 | 1,388 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $236,000 | 2,140 |
| Cash dividends | $3,668,000 | 817 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $4,099,670 | 1,273 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $18,562,000 | 1,747 |
| Total interest expense | $8,004,000 | 1,867 |
| Net interest income | $10,558,000 | 1,651 |
| Provision for loan and lease losses | $462,000 | 1,885 |
| Total noninterest income | $883,000 | 3,380 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $482,000 | 2,718 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $401,000 | 3,409 |
| Total noninterest expense | $6,527,000 | 2,088 |
| Salaries and employee benefits | $3,119,000 | 2,250 |
| Premises and equipment expense | $1,080,000 | 1,898 |
| Additional noninterest expense | $2,328,000 | 1,875 |
| Pre-tax net operating income | $4,452,000 | 1,693 |
| Securities gains (losses) | $158,000 | 605 |
| Applicable income taxes | $1,076,000 | 2,099 |
| Income before extraordinary items | $3,534,000 | 1,516 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,534,000 | 1,517 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $211,000 | 2,317 |
| Cash dividends | $14,348,000 | 312 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $3,412,340 | 1,536 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $12,534,000 | 2,610 |
| Total interest expense | $5,807,000 | 2,607 |
| Net interest income | $6,727,000 | 2,522 |
| Provision for loan and lease losses | $240,000 | 3,065 |
| Total noninterest income | $715,000 | 3,915 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $306,000 | 3,886 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $409,000 | 3,387 |
| Total noninterest expense | $3,958,000 | 3,221 |
| Salaries and employee benefits | $1,842,000 | 3,599 |
| Premises and equipment expense | $628,000 | 3,044 |
| Additional noninterest expense | $1,488,000 | 2,805 |
| Pre-tax net operating income | $3,244,000 | 2,210 |
| Securities gains (losses) | $132,000 | 1,119 |
| Applicable income taxes | $802,000 | 2,741 |
| Income before extraordinary items | $2,574,000 | 2,032 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,574,000 | 2,031 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $210,000 | 2,361 |
| Cash dividends | $1,574,000 | 1,593 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,473,680 | 2,032 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $11,923,000 | 2,754 |
| Total interest expense | $5,247,000 | 2,850 |
| Net interest income | $6,676,000 | 2,602 |
| Provision for loan and lease losses | $590,000 | 1,558 |
| Total noninterest income | $433,000 | 5,453 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $256,000 | 4,579 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $177,000 | 5,246 |
| Total noninterest expense | $3,646,000 | 3,481 |
| Salaries and employee benefits | $1,684,000 | 3,865 |
| Premises and equipment expense | $540,000 | 3,455 |
| Additional noninterest expense | $1,422,000 | 2,881 |
| Pre-tax net operating income | $2,873,000 | 2,577 |
| Securities gains (losses) | $40,000 | 1,476 |
| Applicable income taxes | $699,000 | 3,240 |
| Income before extraordinary items | $2,214,000 | 2,353 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,214,000 | 2,353 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $166,000 | 2,860 |
| Cash dividends | $1,434,000 | 1,681 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,183,600 | 2,327 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $11,056,000 | 2,972 |
| Total interest expense | $4,752,000 | 3,145 |
| Net interest income | $6,304,000 | 2,802 |
| Provision for loan and lease losses | $144,000 | 4,186 |
| Total noninterest income | $384,000 | 6,090 |
| Gross Fiduciary activities income | $8,000 | 1,417 |
| Service charges on deposit accounts | $215,000 | 5,308 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $161,000 | 5,764 |
| Total noninterest expense | $3,613,000 | 3,674 |
| Salaries and employee benefits | $1,773,000 | 3,725 |
| Premises and equipment expense | $519,000 | 3,663 |
| Additional noninterest expense | $1,321,000 | 3,477 |
| Pre-tax net operating income | $2,931,000 | 2,421 |
| Securities gains (losses) | $-63,000 | 11,102 |
| Applicable income taxes | $700,000 | 3,175 |
| Income before extraordinary items | $2,168,000 | 2,275 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,168,000 | 2,275 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $217,000 | 2,548 |
| Cash dividends | $1,330,000 | 1,737 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,215,880 | 2,176 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,341,000 | 4,957 |
| Total interest expense | $2,591,000 | 5,408 |
| Net interest income | $3,750,000 | 4,577 |
| Provision for loan and lease losses | $140,000 | 3,774 |
| Total noninterest income | $211,000 | 8,267 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $111,000 | 7,521 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $100,000 | 7,238 |
| Total noninterest expense | $2,084,000 | 5,798 |
| Salaries and employee benefits | $930,000 | 6,401 |
| Premises and equipment expense | $270,000 | 6,064 |
| Additional noninterest expense | $884,000 | 4,835 |
| Pre-tax net operating income | $1,737,000 | 3,959 |
| Securities gains (losses) | $-10,000 | 10,097 |
| Applicable income taxes | $491,000 | 4,256 |
| Income before extraordinary items | $1,236,000 | 3,856 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,236,000 | 3,854 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,712 |
| Cash dividends | $834,000 | 2,348 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,243,200 | 3,823 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,530,000 | 5,214 |
| Total interest expense | $1,923,000 | 5,783 |
| Net interest income | $3,607,000 | 4,814 |
| Provision for loan and lease losses | $280,000 | 2,395 |
| Total noninterest income | $187,000 | 8,976 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $83,000 | 8,589 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $104,000 | 7,391 |
| Total noninterest expense | $1,725,000 | 6,915 |
| Salaries and employee benefits | $788,000 | 7,270 |
| Premises and equipment expense | $171,000 | 8,060 |
| Additional noninterest expense | $766,000 | 5,904 |
| Pre-tax net operating income | $1,789,000 | 3,766 |
| Securities gains (losses) | $1,000 | 3,293 |
| Applicable income taxes | $493,000 | 4,102 |
| Income before extraordinary items | $1,297,000 | 3,600 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,297,000 | 3,607 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 3,686 |
| Cash dividends | $631,000 | 2,700 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,296,280 | 3,639 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,055,000 | 5,724 |
| Total interest expense | $1,844,000 | 6,227 |
| Net interest income | $3,211,000 | 5,332 |
| Provision for loan and lease losses | $270,000 | 3,226 |
| Total noninterest income | $185,000 | 9,506 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $78,000 | 9,074 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $107,000 | 7,658 |
| Total noninterest expense | $1,528,000 | 7,742 |
| Salaries and employee benefits | $656,000 | 8,335 |
| Premises and equipment expense | $151,000 | 8,878 |
| Additional noninterest expense | $721,000 | 6,417 |
| Pre-tax net operating income | $1,598,000 | 4,090 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $414,000 | 4,887 |
| Income before extraordinary items | $1,184,000 | 4,066 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,184,000 | 4,169 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 4,557 |
| Cash dividends | $494,000 | 3,155 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,184,000 | 3,871 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,096,000 | 6,298 |
| Total interest expense | $2,180,000 | 6,665 |
| Net interest income | $2,916,000 | 5,851 |
| Provision for loan and lease losses | $140,000 | 6,292 |
| Total noninterest income | $176,000 | 9,902 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $57,000 | 10,031 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $119,000 | 7,481 |
| Total noninterest expense | $1,388,000 | 8,347 |
| Salaries and employee benefits | $625,000 | 8,595 |
| Premises and equipment expense | $148,000 | 9,172 |
| Additional noninterest expense | $615,000 | 7,375 |
| Pre-tax net operating income | $1,564,000 | 3,895 |
| Securities gains (losses) | $-136,000 | 13,821 |
| Applicable income taxes | $358,000 | 5,245 |
| Income before extraordinary items | $1,070,000 | 4,239 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,070,000 | 4,283 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 7,255 |
| Cash dividends | $415,000 | 3,216 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,172,000 | 3,607 |
* 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.