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The Citizens National Bank & Trust Co., Income and Expense

2001-12-31 (YTD Data)Rank
Total interest income$2,377,0007,874
Total interest expense$1,018,0007,989
Net interest income$1,359,0007,581
Provision for loan and lease losses$08,228
Total noninterest income$148,0007,880
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$125,0006,167
Trading account gains and fees$0177
Additional Noninterest Income$23,0008,600
Total noninterest expense$1,099,0007,686
Salaries and employee benefits$693,0007,232
Premises and equipment expense$131,0007,839
Additional noninterest expense$275,0008,038
Pre-tax net operating income$408,0006,940
Securities gains (losses)$04,612
Applicable income taxes$85,0006,194
Income before extraordinary items$323,0006,994
Extraordinary gains, net$0105
Net income$323,0006,994
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$30,0005,841
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$0922
Net operating income$323,0006,870
2000-12-31 (YTD Data)Rank
Total interest income$2,901,0007,515
Total interest expense$1,041,0008,140
Net interest income$1,860,0006,800
Provision for loan and lease losses$08,337
Total noninterest income$159,0007,756
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$131,0006,041
Trading account gains and feesNANA
Additional Noninterest Income$28,0008,628
Total noninterest expense$1,167,0007,584
Salaries and employee benefits$733,0007,043
Premises and equipment expense$159,0007,451
Additional noninterest expense$275,0008,151
Pre-tax net operating income$852,0005,696
Securities gains (losses)$01,956
Applicable income taxes$309,0004,537
Income before extraordinary items$543,0006,111
Extraordinary gains, net$038
Net income$543,0006,109
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$73,0004,113
Cash dividends$600,0003,185
Sale, conversion, retirement of capital stock, net$0969
Net operating income$543,0006,118
1999-12-31 (YTD Data)Rank
Total interest income$2,910,0007,484
Total interest expense$1,105,0007,888
Net interest income$1,805,0007,001
Provision for loan and lease losses$75,0005,766
Total noninterest income$170,0007,841
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$137,0006,055
Trading account gains and feesNANA
Additional Noninterest Income$33,0008,711
Total noninterest expense$1,130,0007,754
Salaries and employee benefits$749,0006,994
Premises and equipment expense$150,0007,666
Additional noninterest expense$231,0008,740
Pre-tax net operating income$770,0006,047
Securities gains (losses)$03,155
Applicable income taxes$281,0004,951
Income before extraordinary items$489,0006,511
Extraordinary gains, net$035
Net income$489,0006,510
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$54,0004,686
Cash dividends$600,0003,129
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$489,0006,490
1998-12-31 (YTD Data)Rank
Total interest income$2,957,0007,587
Total interest expense$1,180,0007,957
Net interest income$1,777,0007,100
Provision for loan and lease losses$08,652
Total noninterest income$177,0007,857
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$147,0005,989
Trading account gains and feesNANA
Additional Noninterest Income$30,0009,010
Total noninterest expense$1,094,0007,840
Salaries and employee benefits$699,0007,196
Premises and equipment expense$143,0007,816
Additional noninterest expense$252,0008,587
Pre-tax net operating income$860,0005,872
Securities gains (losses)$04,449
Applicable income taxes$315,0005,044
Income before extraordinary items$545,0006,354
Extraordinary gains, net$032
Net income$545,0006,354
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$21,0006,250
Cash dividends$300,0004,531
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$545,0006,247
1997-12-31 (YTD Data)Rank
Total interest income$2,903,0007,882
Total interest expense$1,219,0008,060
Net interest income$1,684,0007,591
Provision for loan and lease losses$08,829
Total noninterest income$188,0008,002
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$153,0006,127
Trading account gains and feesNANA
Additional Noninterest Income$35,0009,104
Total noninterest expense$999,0008,347
Salaries and employee benefits$665,0007,519
Premises and equipment expense$117,0008,566
Additional noninterest expense$217,0009,200
Pre-tax net operating income$873,0006,241
Securities gains (losses)$03,944
Applicable income taxes$339,0005,399
Income before extraordinary items$534,0006,775
Extraordinary gains, net$044
Net income$534,0006,777
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$39,0005,539
Cash dividends$300,0004,516
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$534,0006,717
1996-12-31 (YTD Data)Rank
Total interest income$2,757,0008,332
Total interest expense$1,190,0008,403
Net interest income$1,567,0008,107
Provision for loan and lease losses$09,041
Total noninterest income$187,0008,425
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$156,0006,366
Trading account gains and feesNANA
Additional Noninterest Income$31,0009,793
Total noninterest expense$969,0008,778
Salaries and employee benefits$643,0007,881
Premises and equipment expense$104,0009,176
Additional noninterest expense$222,0009,687
Pre-tax net operating income$785,0006,562
Securities gains (losses)$04,148
Applicable income taxes$256,0006,373
Income before extraordinary items$529,0006,708
Extraordinary gains, net$053
Net income$529,0006,711
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$11,0007,424
Cash dividends$300,0004,471
Sale, conversion, retirement of capital stock, net$0953
Net operating income$529,0006,650
1995-12-31 (YTD Data)Rank
Total interest income$2,682,0008,666
Total interest expense$1,208,0008,567
Net interest income$1,474,0008,606
Provision for loan and lease losses$08,958
Total noninterest income$212,0008,251
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$160,0006,449
Trading account gains and feesNANA
Additional Noninterest Income$52,0009,130
Total noninterest expense$1,058,0008,725
Salaries and employee benefits$684,0007,827
Premises and equipment expense$105,0009,481
Additional noninterest expense$269,0009,604
Pre-tax net operating income$628,0007,716
Securities gains (losses)$03,831
Applicable income taxes$231,0006,947
Income before extraordinary items$397,0008,108
Extraordinary gains, net$065
Net income$397,0008,107
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$6,0007,925
Cash dividends$300,0004,483
Sale, conversion, retirement of capital stock, net$0809
Net operating income$397,0008,068
1994-12-31 (YTD Data)Rank
Total interest income$2,437,0009,022
Total interest expense$1,011,0008,649
Net interest income$1,426,0009,082
Provision for loan and lease losses$09,146
Total noninterest income$172,0009,264
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$137,0007,187
Trading account gains and feesNANA
Additional Noninterest Income$35,00010,473
Total noninterest expense$1,037,0009,220
Salaries and employee benefits$654,0008,244
Premises and equipment expense$88,00010,406
Additional noninterest expense$295,00010,024
Pre-tax net operating income$561,0008,241
Securities gains (losses)$03,600
Applicable income taxes$196,0007,404
Income before extraordinary items$365,0008,508
Extraordinary gains, net$0249
Net income$365,0008,510
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$24,0006,338
Cash dividends$300,0004,418
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$365,0008,548
1993-12-31 (YTD Data)Rank
Total interest income$2,485,0009,209
Total interest expense$1,057,0008,858
Net interest income$1,428,0009,336
Provision for loan and lease losses$010,371
Total noninterest income$206,0009,122
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$117,0007,920
Trading account gains and feesNANA
Additional Noninterest Income$89,0008,282
Total noninterest expense$989,0009,782
Salaries and employee benefits$601,0008,798
Premises and equipment expense$98,00010,504
Additional noninterest expense$290,00010,573
Pre-tax net operating income$645,0007,651
Securities gains (losses)$07,477
Applicable income taxes$223,0007,210
Income before extraordinary items$422,0008,213
Extraordinary gains, net$03,149
Net income$422,0008,379
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$82,0004,984
Cash dividends$300,0004,359
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$422,0007,940
1992-12-31 (YTD Data)Rank
Total interest income$3,221,0008,605
Total interest expense$1,552,0008,358
Net interest income$1,669,0008,747
Provision for loan and lease losses$011,756
Total noninterest income$159,00010,308
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$124,0007,857
Trading account gains and feesNANA
Additional Noninterest Income$35,00011,401
Total noninterest expense$1,044,0009,778
Salaries and employee benefits$646,0008,407
Premises and equipment expense$94,00010,953
Additional noninterest expense$304,00010,774
Pre-tax net operating income$784,0006,638
Securities gains (losses)$08,369
Applicable income taxes$290,0006,069
Income before extraordinary items$494,0007,395
Extraordinary gains, net$01,422
Net income$494,0007,486
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-12,00012,871
Cash dividends$600,0002,382
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$494,0007,006

* 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.