Home > The Citizens State Bank > Income and Expense
The Citizens State Bank, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,375,000 | 8,043 |
| Total interest expense | $956,000 | 8,291 |
| Net interest income | $1,419,000 | 7,748 |
| Provision for loan and lease losses | $104,000 | 5,140 |
| Total noninterest income | $198,000 | 7,522 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $165,000 | 5,603 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $33,000 | 8,711 |
| Total noninterest expense | $870,000 | 8,538 |
| Salaries and employee benefits | $587,000 | 7,830 |
| Premises and equipment expense | $51,000 | 9,622 |
| Additional noninterest expense | $232,000 | 8,729 |
| Pre-tax net operating income | $643,000 | 6,556 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $183,000 | 5,889 |
| Income before extraordinary items | $460,000 | 6,637 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $460,000 | 6,636 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $208,000 | 2,341 |
| Cash dividends | $222,000 | 5,065 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $460,000 | 6,617 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,554,000 | 8,038 |
| Total interest expense | $1,025,000 | 8,350 |
| Net interest income | $1,529,000 | 7,628 |
| Provision for loan and lease losses | $36,000 | 7,078 |
| Total noninterest income | $218,000 | 7,358 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $174,000 | 5,522 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $44,000 | 8,384 |
| Total noninterest expense | $878,000 | 8,500 |
| Salaries and employee benefits | $579,000 | 7,879 |
| Premises and equipment expense | $45,000 | 9,930 |
| Additional noninterest expense | $254,000 | 8,566 |
| Pre-tax net operating income | $833,000 | 5,965 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $262,000 | 5,533 |
| Income before extraordinary items | $571,000 | 6,204 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $571,000 | 6,203 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 4,589 |
| Cash dividends | $250,000 | 4,929 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $571,000 | 6,093 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,439,000 | 8,459 |
| Total interest expense | $899,000 | 8,971 |
| Net interest income | $1,540,000 | 7,891 |
| Provision for loan and lease losses | $83,000 | 5,598 |
| Total noninterest income | $204,000 | 7,784 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $170,000 | 5,829 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $34,000 | 9,136 |
| Total noninterest expense | $903,000 | 8,675 |
| Salaries and employee benefits | $559,000 | 8,191 |
| Premises and equipment expense | $64,000 | 9,853 |
| Additional noninterest expense | $280,000 | 8,527 |
| Pre-tax net operating income | $758,000 | 6,739 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $258,000 | 6,177 |
| Income before extraordinary items | $500,000 | 6,977 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $500,000 | 6,980 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,858 |
| Cash dividends | $250,000 | 4,919 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $500,000 | 6,906 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,253,000 | 9,024 |
| Total interest expense | $858,000 | 9,459 |
| Net interest income | $1,395,000 | 8,526 |
| Provision for loan and lease losses | $156,000 | 3,974 |
| Total noninterest income | $261,000 | 7,450 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $167,000 | 6,171 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $94,000 | 7,318 |
| Total noninterest expense | $900,000 | 9,054 |
| Salaries and employee benefits | $582,000 | 8,244 |
| Premises and equipment expense | $62,000 | 10,297 |
| Additional noninterest expense | $256,000 | 9,326 |
| Pre-tax net operating income | $600,000 | 7,420 |
| Securities gains (losses) | $-12,000 | 10,370 |
| Applicable income taxes | $200,000 | 7,145 |
| Income before extraordinary items | $388,000 | 7,727 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $388,000 | 7,724 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 4,641 |
| Cash dividends | $200,000 | 5,388 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $395,920 | 7,597 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,119,000 | 9,538 |
| Total interest expense | $724,000 | 10,218 |
| Net interest income | $1,395,000 | 8,799 |
| Provision for loan and lease losses | $117,000 | 4,277 |
| Total noninterest income | $212,000 | 8,251 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $170,000 | 6,257 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $42,000 | 9,621 |
| Total noninterest expense | $941,000 | 9,200 |
| Salaries and employee benefits | $558,000 | 8,664 |
| Premises and equipment expense | $69,000 | 10,506 |
| Additional noninterest expense | $314,000 | 9,104 |
| Pre-tax net operating income | $549,000 | 8,183 |
| Securities gains (losses) | $1,000 | 3,512 |
| Applicable income taxes | $187,000 | 7,653 |
| Income before extraordinary items | $363,000 | 8,362 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $363,000 | 8,363 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 4,995 |
| Cash dividends | $200,000 | 5,441 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $362,340 | 8,350 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,839,000 | 10,093 |
| Total interest expense | $610,000 | 10,559 |
| Net interest income | $1,229,000 | 9,683 |
| Provision for loan and lease losses | $83,000 | 4,972 |
| Total noninterest income | $196,000 | 8,796 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $160,000 | 6,663 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $36,000 | 10,409 |
| Total noninterest expense | $925,000 | 9,655 |
| Salaries and employee benefits | $531,000 | 9,119 |
| Premises and equipment expense | $67,000 | 11,063 |
| Additional noninterest expense | $327,000 | 9,634 |
| Pre-tax net operating income | $417,000 | 9,234 |
| Securities gains (losses) | $-28,000 | 10,602 |
| Applicable income taxes | $129,000 | 8,731 |
| Income before extraordinary items | $260,000 | 9,586 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $260,000 | 9,597 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 4,864 |
| Cash dividends | $165,000 | 5,872 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $278,760 | 9,446 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,780,000 | 10,628 |
| Total interest expense | $679,000 | 10,716 |
| Net interest income | $1,101,000 | 10,405 |
| Provision for loan and lease losses | $16,000 | 9,322 |
| Total noninterest income | $201,000 | 9,206 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $151,000 | 7,067 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $50,000 | 10,096 |
| Total noninterest expense | $946,000 | 9,992 |
| Salaries and employee benefits | $509,000 | 9,584 |
| Premises and equipment expense | $65,000 | 11,682 |
| Additional noninterest expense | $372,000 | 9,572 |
| Pre-tax net operating income | $340,000 | 9,894 |
| Securities gains (losses) | $7,000 | 5,826 |
| Applicable income taxes | $114,000 | 9,431 |
| Income before extraordinary items | $233,000 | 10,241 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $233,000 | 10,373 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 8,297 |
| Cash dividends | $110,000 | 6,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $228,310 | 10,049 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,902,000 | 11,093 |
| Total interest expense | $804,000 | 11,310 |
| Net interest income | $1,098,000 | 10,707 |
| Provision for loan and lease losses | $64,000 | 8,436 |
| Total noninterest income | $249,000 | 8,508 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $164,000 | 6,757 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $85,000 | 8,638 |
| Total noninterest expense | $939,000 | 10,265 |
| Salaries and employee benefits | $495,000 | 9,829 |
| Premises and equipment expense | $57,000 | 12,412 |
| Additional noninterest expense | $387,000 | 9,726 |
| Pre-tax net operating income | $344,000 | 9,749 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $113,000 | 9,575 |
| Income before extraordinary items | $231,000 | 10,166 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $231,000 | 10,308 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 12,178 |
| Cash dividends | $110,000 | 6,380 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $231,000 | 9,808 |
* 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.