Home > The Citizens National Bank of Norwalk > Income and Expense
The Citizens National Bank of Norwalk, Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $9,921,000 | 3,333 |
| Total interest expense | $4,741,000 | 3,309 |
| Net interest income | $5,180,000 | 3,341 |
| Provision for loan and lease losses | $432,000 | 2,465 |
| Total noninterest income | $1,057,000 | 3,218 |
| Gross Fiduciary activities income | $311,000 | 716 |
| Service charges on deposit accounts | $363,000 | 3,670 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $383,000 | 3,634 |
| Total noninterest expense | $3,874,000 | 3,528 |
| Salaries and employee benefits | $1,761,000 | 3,974 |
| Premises and equipment expense | $446,000 | 4,263 |
| Additional noninterest expense | $1,667,000 | 2,624 |
| Pre-tax net operating income | $1,931,000 | 3,257 |
| Securities gains (losses) | $13,000 | 3,437 |
| Applicable income taxes | $608,000 | 2,947 |
| Income before extraordinary items | $1,335,000 | 3,519 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,335,000 | 3,522 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $282,000 | 2,334 |
| Cash dividends | $1,069,000 | 2,136 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,326,030 | 3,450 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $10,006,000 | 3,389 |
| Total interest expense | $4,691,000 | 3,494 |
| Net interest income | $5,315,000 | 3,298 |
| Provision for loan and lease losses | $373,000 | 2,410 |
| Total noninterest income | $891,000 | 3,418 |
| Gross Fiduciary activities income | $350,000 | 686 |
| Service charges on deposit accounts | $433,000 | 3,040 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $108,000 | 6,248 |
| Total noninterest expense | $3,831,000 | 3,440 |
| Salaries and employee benefits | $1,815,000 | 3,750 |
| Premises and equipment expense | $580,000 | 3,363 |
| Additional noninterest expense | $1,436,000 | 2,929 |
| Pre-tax net operating income | $2,002,000 | 3,323 |
| Securities gains (losses) | $-23,000 | 8,808 |
| Applicable income taxes | $612,000 | 3,058 |
| Income before extraordinary items | $1,367,000 | 3,497 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,367,000 | 3,496 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $279,000 | 1,917 |
| Cash dividends | $622,000 | 3,132 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,382,870 | 3,453 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $9,701,000 | 3,304 |
| Total interest expense | $4,496,000 | 3,243 |
| Net interest income | $5,205,000 | 3,335 |
| Provision for loan and lease losses | $395,000 | 2,139 |
| Total noninterest income | $928,000 | 3,279 |
| Gross Fiduciary activities income | $318,000 | 761 |
| Service charges on deposit accounts | $413,000 | 3,138 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $197,000 | 4,971 |
| Total noninterest expense | $3,941,000 | 3,350 |
| Salaries and employee benefits | $1,915,000 | 3,578 |
| Premises and equipment expense | $539,000 | 3,547 |
| Additional noninterest expense | $1,487,000 | 2,888 |
| Pre-tax net operating income | $1,797,000 | 3,621 |
| Securities gains (losses) | $22,000 | 1,340 |
| Applicable income taxes | $570,000 | 3,330 |
| Income before extraordinary items | $1,249,000 | 3,746 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,249,000 | 3,747 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $164,000 | 2,700 |
| Cash dividends | $447,000 | 3,737 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,233,820 | 3,758 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,455,000 | 3,732 |
| Total interest expense | $3,754,000 | 3,877 |
| Net interest income | $4,701,000 | 3,604 |
| Provision for loan and lease losses | $310,000 | 2,519 |
| Total noninterest income | $851,000 | 3,463 |
| Gross Fiduciary activities income | $274,000 | 802 |
| Service charges on deposit accounts | $376,000 | 3,301 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $201,000 | 4,938 |
| Total noninterest expense | $3,688,000 | 3,453 |
| Salaries and employee benefits | $1,985,000 | 3,360 |
| Premises and equipment expense | $514,000 | 3,613 |
| Additional noninterest expense | $1,189,000 | 3,398 |
| Pre-tax net operating income | $1,554,000 | 4,067 |
| Securities gains (losses) | $20,000 | 2,430 |
| Applicable income taxes | $517,000 | 3,756 |
| Income before extraordinary items | $1,057,000 | 4,311 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,057,000 | 4,310 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 3,845 |
| Cash dividends | $412,000 | 3,916 |
| Sale, conversion, retirement of capital stock, net | $-131,000 | 10,342 |
| Net operating income | $1,043,600 | 4,265 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,670,000 | 4,129 |
| Total interest expense | $3,380,000 | 4,242 |
| Net interest income | $4,290,000 | 3,983 |
| Provision for loan and lease losses | $130,000 | 4,446 |
| Total noninterest income | $579,000 | 4,522 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $228,000 | 4,940 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $351,000 | 3,580 |
| Total noninterest expense | $3,386,000 | 3,715 |
| Salaries and employee benefits | $1,825,000 | 3,585 |
| Premises and equipment expense | $466,000 | 3,932 |
| Additional noninterest expense | $1,095,000 | 3,612 |
| Pre-tax net operating income | $1,353,000 | 4,827 |
| Securities gains (losses) | $5,000 | 2,787 |
| Applicable income taxes | $425,000 | 4,699 |
| Income before extraordinary items | $933,000 | 4,935 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $933,000 | 4,936 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $148,000 | 3,050 |
| Cash dividends | $263,000 | 4,845 |
| Sale, conversion, retirement of capital stock, net | $-336,000 | 10,821 |
| Net operating income | $929,550 | 4,892 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,721,000 | 4,734 |
| Total interest expense | $2,916,000 | 4,909 |
| Net interest income | $3,805,000 | 4,505 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $731,000 | 3,965 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $226,000 | 5,152 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $505,000 | 2,898 |
| Total noninterest expense | $3,030,000 | 4,277 |
| Salaries and employee benefits | $1,633,000 | 3,996 |
| Premises and equipment expense | $394,000 | 4,586 |
| Additional noninterest expense | $1,003,000 | 4,395 |
| Pre-tax net operating income | $1,506,000 | 4,328 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $494,000 | 4,189 |
| Income before extraordinary items | $1,012,000 | 4,452 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,012,000 | 4,453 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 3,846 |
| Cash dividends | $257,000 | 4,891 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,012,000 | 4,397 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,190,000 | 5,066 |
| Total interest expense | $2,719,000 | 5,195 |
| Net interest income | $3,471,000 | 4,908 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $626,000 | 4,440 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $234,000 | 5,136 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $392,000 | 3,347 |
| Total noninterest expense | $3,226,000 | 4,036 |
| Salaries and employee benefits | $1,571,000 | 4,116 |
| Premises and equipment expense | $380,000 | 4,742 |
| Additional noninterest expense | $1,275,000 | 3,558 |
| Pre-tax net operating income | $871,000 | 6,553 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $5,000 | 11,015 |
| Income before extraordinary items | $866,000 | 5,140 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $866,000 | 5,138 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $335,000 | 1,802 |
| Cash dividends | $118,000 | 6,537 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $866,000 | 5,121 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,178,000 | 5,509 |
| Total interest expense | $1,932,000 | 5,762 |
| Net interest income | $3,246,000 | 5,271 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $573,000 | 4,813 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $243,000 | 5,159 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $330,000 | 3,851 |
| Total noninterest expense | $3,122,000 | 4,264 |
| Salaries and employee benefits | $1,503,000 | 4,275 |
| Premises and equipment expense | $361,000 | 4,981 |
| Additional noninterest expense | $1,258,000 | 3,891 |
| Pre-tax net operating income | $697,000 | 7,399 |
| Securities gains (losses) | $3,000 | 2,889 |
| Applicable income taxes | $164,000 | 8,039 |
| Income before extraordinary items | $536,000 | 7,032 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $536,000 | 7,043 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 7,184 |
| Cash dividends | $96,000 | 7,030 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $533,690 | 7,094 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,845,000 | 5,934 |
| Total interest expense | $1,795,000 | 6,341 |
| Net interest income | $3,050,000 | 5,579 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $607,000 | 4,918 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $221,000 | 5,578 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $386,000 | 3,839 |
| Total noninterest expense | $2,967,000 | 4,560 |
| Salaries and employee benefits | $1,569,000 | 4,111 |
| Premises and equipment expense | $349,000 | 5,250 |
| Additional noninterest expense | $1,049,000 | 4,727 |
| Pre-tax net operating income | $690,000 | 7,418 |
| Securities gains (losses) | $8,000 | 5,699 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $698,000 | 6,124 |
| Extraordinary gains, net | $230,000 | 908 |
| Net income | $928,000 | 5,127 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 11,543 |
| Cash dividends | $76,000 | 7,382 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $690,000 | 5,919 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,920,000 | 6,468 |
| Total interest expense | $2,111,000 | 6,841 |
| Net interest income | $2,809,000 | 6,035 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $504,000 | 5,606 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $228,000 | 5,457 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $276,000 | 4,666 |
| Total noninterest expense | $2,803,000 | 4,810 |
| Salaries and employee benefits | $1,444,000 | 4,371 |
| Premises and equipment expense | $349,000 | 5,384 |
| Additional noninterest expense | $1,010,000 | 5,014 |
| Pre-tax net operating income | $510,000 | 8,339 |
| Securities gains (losses) | $42,000 | 4,413 |
| Applicable income taxes | $123,000 | 9,281 |
| Income before extraordinary items | $429,000 | 7,940 |
| Extraordinary gains, net | $138,000 | 593 |
| Net income | $567,000 | 6,887 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $223,000 | 3,967 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $396,240 | 7,900 |
* 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.