Home > The Citizens National Bank of Malone > Income and Expense
The Citizens National Bank of Malone, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,446,000 | 3,957 |
| Total interest expense | $3,441,000 | 4,446 |
| Net interest income | $5,005,000 | 3,463 |
| Provision for loan and lease losses | $694,000 | 1,432 |
| Total noninterest income | $766,000 | 3,763 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $476,000 | 2,809 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $290,000 | 4,001 |
| Total noninterest expense | $4,394,000 | 3,064 |
| Salaries and employee benefits | $1,965,000 | 3,513 |
| Premises and equipment expense | $750,000 | 2,723 |
| Additional noninterest expense | $1,679,000 | 2,544 |
| Pre-tax net operating income | $683,000 | 6,294 |
| Securities gains (losses) | $10,000 | 1,158 |
| Applicable income taxes | $86,000 | 6,702 |
| Income before extraordinary items | $607,000 | 5,808 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $607,000 | 5,806 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $469,000 | 1,300 |
| Cash dividends | $650,000 | 3,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $598,200 | 5,874 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,153,000 | 3,844 |
| Total interest expense | $2,828,000 | 4,813 |
| Net interest income | $5,325,000 | 3,262 |
| Provision for loan and lease losses | $109,000 | 5,060 |
| Total noninterest income | $721,000 | 3,912 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $473,000 | 2,760 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $248,000 | 4,457 |
| Total noninterest expense | $4,173,000 | 3,188 |
| Salaries and employee benefits | $1,900,000 | 3,595 |
| Premises and equipment expense | $779,000 | 2,598 |
| Additional noninterest expense | $1,494,000 | 2,876 |
| Pre-tax net operating income | $1,764,000 | 3,666 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $518,000 | 3,559 |
| Income before extraordinary items | $1,246,000 | 3,755 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,246,000 | 3,756 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $305,000 | 1,796 |
| Cash dividends | $532,000 | 3,388 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,246,000 | 3,723 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,173,000 | 3,864 |
| Total interest expense | $3,006,000 | 4,722 |
| Net interest income | $5,167,000 | 3,282 |
| Provision for loan and lease losses | $175,000 | 3,848 |
| Total noninterest income | $781,000 | 3,690 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $528,000 | 2,431 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $253,000 | 4,394 |
| Total noninterest expense | $4,511,000 | 2,884 |
| Salaries and employee benefits | $1,954,000 | 3,420 |
| Premises and equipment expense | $952,000 | 2,047 |
| Additional noninterest expense | $1,605,000 | 2,619 |
| Pre-tax net operating income | $1,262,000 | 4,724 |
| Securities gains (losses) | $92,000 | 1,334 |
| Applicable income taxes | $375,000 | 4,582 |
| Income before extraordinary items | $979,000 | 4,593 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $979,000 | 4,593 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $190,000 | 2,532 |
| Cash dividends | $482,000 | 3,624 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $912,760 | 4,693 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,360,000 | 3,816 |
| Total interest expense | $3,228,000 | 4,420 |
| Net interest income | $5,132,000 | 3,407 |
| Provision for loan and lease losses | $228,000 | 3,172 |
| Total noninterest income | $776,000 | 3,674 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $539,000 | 2,447 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $237,000 | 4,513 |
| Total noninterest expense | $4,082,000 | 3,112 |
| Salaries and employee benefits | $1,886,000 | 3,483 |
| Premises and equipment expense | $890,000 | 2,208 |
| Additional noninterest expense | $1,306,000 | 3,104 |
| Pre-tax net operating income | $1,598,000 | 4,243 |
| Securities gains (losses) | $51,000 | 1,331 |
| Applicable income taxes | $511,000 | 4,152 |
| Income before extraordinary items | $1,138,000 | 4,243 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,138,000 | 4,244 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $371,000 | 1,696 |
| Cash dividends | $454,000 | 3,678 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,102,810 | 4,288 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,625,000 | 3,754 |
| Total interest expense | $3,406,000 | 4,294 |
| Net interest income | $5,219,000 | 3,409 |
| Provision for loan and lease losses | $207,000 | 3,335 |
| Total noninterest income | $700,000 | 4,113 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $474,000 | 2,858 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $226,000 | 4,843 |
| Total noninterest expense | $4,034,000 | 3,323 |
| Salaries and employee benefits | $1,956,000 | 3,398 |
| Premises and equipment expense | $803,000 | 2,444 |
| Additional noninterest expense | $1,275,000 | 3,595 |
| Pre-tax net operating income | $1,678,000 | 3,977 |
| Securities gains (losses) | $53,000 | 1,295 |
| Applicable income taxes | $591,000 | 3,640 |
| Income before extraordinary items | $1,140,000 | 4,039 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,140,000 | 4,040 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $213,000 | 2,573 |
| Cash dividends | $448,000 | 3,676 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,105,020 | 4,091 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,871,000 | 4,071 |
| Total interest expense | $2,966,000 | 4,810 |
| Net interest income | $4,905,000 | 3,605 |
| Provision for loan and lease losses | $175,000 | 3,337 |
| Total noninterest income | $528,000 | 4,982 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $370,000 | 3,586 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $158,000 | 5,834 |
| Total noninterest expense | $3,868,000 | 3,430 |
| Salaries and employee benefits | $1,789,000 | 3,666 |
| Premises and equipment expense | $823,000 | 2,421 |
| Additional noninterest expense | $1,256,000 | 3,598 |
| Pre-tax net operating income | $1,390,000 | 4,716 |
| Securities gains (losses) | $-28,000 | 10,792 |
| Applicable income taxes | $309,000 | 5,889 |
| Income before extraordinary items | $1,053,000 | 4,391 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,053,000 | 4,389 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 4,802 |
| Cash dividends | $448,000 | 3,623 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,074,560 | 4,323 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,651,000 | 3,897 |
| Total interest expense | $2,351,000 | 4,892 |
| Net interest income | $5,300,000 | 3,379 |
| Provision for loan and lease losses | $302,000 | 2,231 |
| Total noninterest income | $658,000 | 4,341 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $245,000 | 5,117 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $413,000 | 3,342 |
| Total noninterest expense | $3,964,000 | 3,458 |
| Salaries and employee benefits | $1,661,000 | 3,906 |
| Premises and equipment expense | $744,000 | 2,688 |
| Additional noninterest expense | $1,559,000 | 3,190 |
| Pre-tax net operating income | $1,692,000 | 3,976 |
| Securities gains (losses) | $-108,000 | 11,573 |
| Applicable income taxes | $420,000 | 4,589 |
| Income before extraordinary items | $1,164,000 | 3,971 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,164,000 | 3,975 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $241,000 | 2,208 |
| Cash dividends | $742,000 | 2,426 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,242,840 | 3,768 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $8,261,000 | 3,698 |
| Total interest expense | $2,655,000 | 4,573 |
| Net interest income | $5,606,000 | 3,223 |
| Provision for loan and lease losses | $253,000 | 3,355 |
| Total noninterest income | $616,000 | 4,871 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $365,000 | 3,741 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $251,000 | 4,995 |
| Total noninterest expense | $3,763,000 | 3,680 |
| Salaries and employee benefits | $1,625,000 | 3,971 |
| Premises and equipment expense | $708,000 | 2,843 |
| Additional noninterest expense | $1,430,000 | 3,646 |
| Pre-tax net operating income | $2,206,000 | 3,017 |
| Securities gains (losses) | $160,000 | 1,919 |
| Applicable income taxes | $478,000 | 4,347 |
| Income before extraordinary items | $1,888,000 | 2,670 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,888,000 | 2,751 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $92,000 | 4,735 |
| Cash dividends | $462,000 | 3,299 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,760,000 | 2,671 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $8,443,000 | 4,095 |
| Total interest expense | $3,556,000 | 4,493 |
| Net interest income | $4,887,000 | 3,726 |
| Provision for loan and lease losses | $360,000 | 3,684 |
| Total noninterest income | $519,000 | 5,508 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $383,000 | 3,626 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $136,000 | 6,990 |
| Total noninterest expense | $3,399,000 | 4,043 |
| Salaries and employee benefits | $1,363,000 | 4,615 |
| Premises and equipment expense | $605,000 | 3,332 |
| Additional noninterest expense | $1,431,000 | 3,728 |
| Pre-tax net operating income | $1,647,000 | 3,719 |
| Securities gains (losses) | $41,000 | 4,460 |
| Applicable income taxes | $546,000 | 3,714 |
| Income before extraordinary items | $1,142,000 | 3,987 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,142,000 | 4,029 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $162,000 | 4,713 |
| Cash dividends | $448,000 | 3,074 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,114,120 | 3,775 |
* 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.