Home > The Citizens Savings Bank Company > Income and Expense
The Citizens Savings Bank Company, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,529,000 | 4,321 |
| Total interest expense | $3,755,000 | 4,172 |
| Net interest income | $3,774,000 | 4,373 |
| Provision for loan and lease losses | $180,000 | 3,942 |
| Total noninterest income | $434,000 | 5,307 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $215,000 | 4,920 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $219,000 | 4,579 |
| Total noninterest expense | $2,581,000 | 4,745 |
| Salaries and employee benefits | $1,219,000 | 5,155 |
| Premises and equipment expense | $211,000 | 6,596 |
| Additional noninterest expense | $1,151,000 | 3,573 |
| Pre-tax net operating income | $1,447,000 | 4,164 |
| Securities gains (losses) | $-17,000 | 8,651 |
| Applicable income taxes | $492,000 | 3,520 |
| Income before extraordinary items | $938,000 | 4,563 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $938,000 | 4,564 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 3,894 |
| Cash dividends | $1,580,000 | 1,601 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $949,220 | 4,532 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,294,000 | 4,798 |
| Total interest expense | $3,060,000 | 4,526 |
| Net interest income | $3,234,000 | 4,898 |
| Provision for loan and lease losses | $70,000 | 5,912 |
| Total noninterest income | $358,000 | 5,938 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $169,000 | 5,546 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $189,000 | 5,068 |
| Total noninterest expense | $2,421,000 | 4,990 |
| Salaries and employee benefits | $1,133,000 | 5,389 |
| Premises and equipment expense | $195,000 | 6,889 |
| Additional noninterest expense | $1,093,000 | 3,727 |
| Pre-tax net operating income | $1,101,000 | 5,022 |
| Securities gains (losses) | $10,000 | 1,755 |
| Applicable income taxes | $306,000 | 4,782 |
| Income before extraordinary items | $805,000 | 5,074 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $805,000 | 5,073 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,548 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $797,800 | 5,059 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,492,000 | 5,309 |
| Total interest expense | $2,624,000 | 5,193 |
| Net interest income | $2,868,000 | 5,303 |
| Provision for loan and lease losses | $120,000 | 4,610 |
| Total noninterest income | $411,000 | 5,520 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $177,000 | 5,473 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $234,000 | 4,560 |
| Total noninterest expense | $2,149,000 | 5,313 |
| Salaries and employee benefits | $950,000 | 5,987 |
| Premises and equipment expense | $196,000 | 6,786 |
| Additional noninterest expense | $1,003,000 | 3,951 |
| Pre-tax net operating income | $1,010,000 | 5,378 |
| Securities gains (losses) | $17,000 | 2,560 |
| Applicable income taxes | $369,000 | 4,631 |
| Income before extraordinary items | $658,000 | 5,778 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $658,000 | 5,777 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,719 |
| Cash dividends | $550,000 | 3,304 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $647,120 | 5,721 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,106,000 | 5,702 |
| Total interest expense | $2,177,000 | 5,924 |
| Net interest income | $2,929,000 | 5,406 |
| Provision for loan and lease losses | $-400,000 | 10,860 |
| Total noninterest income | $378,000 | 5,917 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $182,000 | 5,626 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $196,000 | 5,008 |
| Total noninterest expense | $2,081,000 | 5,499 |
| Salaries and employee benefits | $897,000 | 6,306 |
| Premises and equipment expense | $180,000 | 7,193 |
| Additional noninterest expense | $1,004,000 | 3,890 |
| Pre-tax net operating income | $1,626,000 | 4,173 |
| Securities gains (losses) | $-17,000 | 10,300 |
| Applicable income taxes | $566,000 | 3,849 |
| Income before extraordinary items | $1,043,000 | 4,546 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,043,000 | 4,545 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 10,186 |
| Cash dividends | $1,570,000 | 1,562 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,054,050 | 4,452 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,716,000 | 6,188 |
| Total interest expense | $2,108,000 | 6,206 |
| Net interest income | $2,608,000 | 6,034 |
| Provision for loan and lease losses | $36,000 | 7,135 |
| Total noninterest income | $360,000 | 6,323 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $191,000 | 5,711 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $169,000 | 5,615 |
| Total noninterest expense | $2,258,000 | 5,423 |
| Salaries and employee benefits | $869,000 | 6,620 |
| Premises and equipment expense | $274,000 | 5,923 |
| Additional noninterest expense | $1,115,000 | 4,016 |
| Pre-tax net operating income | $674,000 | 7,049 |
| Securities gains (losses) | $4,000 | 3,123 |
| Applicable income taxes | $259,000 | 6,327 |
| Income before extraordinary items | $419,000 | 7,462 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $419,000 | 7,461 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-215,000 | 11,341 |
| Cash dividends | $170,000 | 5,771 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $416,440 | 7,430 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,620,000 | 6,330 |
| Total interest expense | $2,052,000 | 6,355 |
| Net interest income | $2,568,000 | 6,189 |
| Provision for loan and lease losses | $45,000 | 6,418 |
| Total noninterest income | $392,000 | 6,066 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $171,000 | 6,238 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $221,000 | 4,838 |
| Total noninterest expense | $2,289,000 | 5,382 |
| Salaries and employee benefits | $871,000 | 6,701 |
| Premises and equipment expense | $286,000 | 5,843 |
| Additional noninterest expense | $1,132,000 | 3,938 |
| Pre-tax net operating income | $626,000 | 7,730 |
| Securities gains (losses) | $3,000 | 3,092 |
| Applicable income taxes | $253,000 | 6,605 |
| Income before extraordinary items | $376,000 | 8,263 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $376,000 | 8,264 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $265,000 | 2,106 |
| Cash dividends | $75,000 | 7,260 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $374,080 | 8,270 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,257,000 | 6,407 |
| Total interest expense | $1,856,000 | 5,938 |
| Net interest income | $2,401,000 | 6,663 |
| Provision for loan and lease losses | $17,000 | 7,997 |
| Total noninterest income | $367,000 | 6,457 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $169,000 | 6,469 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $198,000 | 5,306 |
| Total noninterest expense | $2,600,000 | 4,985 |
| Salaries and employee benefits | $932,000 | 6,452 |
| Premises and equipment expense | $260,000 | 6,355 |
| Additional noninterest expense | $1,408,000 | 3,515 |
| Pre-tax net operating income | $151,000 | 11,259 |
| Securities gains (losses) | $-140,000 | 11,749 |
| Applicable income taxes | $9,000 | 11,400 |
| Income before extraordinary items | $2,000 | 12,029 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,000 | 12,030 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 10,805 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $91,600 | 11,509 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,504,000 | 6,309 |
| Total interest expense | $2,264,000 | 5,244 |
| Net interest income | $2,240,000 | 7,060 |
| Provision for loan and lease losses | $857,000 | 1,451 |
| Total noninterest income | $709,000 | 4,400 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $179,000 | 6,392 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $530,000 | 3,136 |
| Total noninterest expense | $2,570,000 | 5,149 |
| Salaries and employee benefits | $1,124,000 | 5,543 |
| Premises and equipment expense | $278,000 | 6,207 |
| Additional noninterest expense | $1,168,000 | 4,293 |
| Pre-tax net operating income | $-478,000 | 12,844 |
| Securities gains (losses) | $108,000 | 2,386 |
| Applicable income taxes | $-174,000 | 13,027 |
| Income before extraordinary items | $-196,000 | 12,758 |
| Extraordinary gains, net | $-104,000 | 12,926 |
| Net income | $-300,000 | 12,831 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $861,000 | 1,266 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-265,120 | 12,729 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,806,000 | 5,643 |
| Total interest expense | $3,092,000 | 5,027 |
| Net interest income | $2,714,000 | 6,190 |
| Provision for loan and lease losses | $1,370,000 | 1,501 |
| Total noninterest income | $364,000 | 6,918 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $163,000 | 6,783 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $201,000 | 5,655 |
| Total noninterest expense | $3,170,000 | 4,300 |
| Salaries and employee benefits | $1,232,000 | 5,040 |
| Premises and equipment expense | $270,000 | 6,436 |
| Additional noninterest expense | $1,668,000 | 3,277 |
| Pre-tax net operating income | $-1,462,000 | 13,567 |
| Securities gains (losses) | $66,000 | 3,674 |
| Applicable income taxes | $-529,000 | 13,760 |
| Income before extraordinary items | $-867,000 | 13,519 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-867,000 | 13,514 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $916,000 | 1,651 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-909,240 | 13,451 |
* 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.