Home > The Citizens State Bank, Liberal, Kansas > Income and Expense
The Citizens State Bank, Liberal, Kansas, Income and Expense
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,374,000 | 6,721 |
| Total interest expense | $267,000 | 7,236 |
| Net interest income | $1,107,000 | 6,378 |
| Provision for loan and lease losses | $200,000 | 2,196 |
| Total noninterest income | $195,000 | 5,874 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $97,000 | 5,328 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $98,000 | 5,194 |
| Total noninterest expense | $1,014,000 | 5,949 |
| Salaries and employee benefits | $486,000 | 6,383 |
| Premises and equipment expense | $152,000 | 5,624 |
| Additional noninterest expense | $376,000 | 5,275 |
| Pre-tax net operating income | $88,000 | 8,006 |
| Securities gains (losses) | $18,000 | 2,100 |
| Applicable income taxes | $10,000 | 6,651 |
| Income before extraordinary items | $96,000 | 7,810 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $96,000 | 7,811 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 8,353 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $79,620 | 7,920 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $702,000 | 6,701 |
| Total interest expense | $137,000 | 7,240 |
| Net interest income | $565,000 | 6,340 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $68,000 | 6,629 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $46,000 | 5,389 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $22,000 | 6,653 |
| Total noninterest expense | $497,000 | 6,065 |
| Salaries and employee benefits | $240,000 | 6,472 |
| Premises and equipment expense | $81,000 | 5,477 |
| Additional noninterest expense | $176,000 | 5,500 |
| Pre-tax net operating income | $136,000 | 6,639 |
| Securities gains (losses) | $18,000 | 1,769 |
| Applicable income taxes | $58,000 | 4,646 |
| Income before extraordinary items | $96,000 | 6,961 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $96,000 | 6,963 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 8,177 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $84,480 | 7,069 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,843,000 | 6,699 |
| Total interest expense | $666,000 | 7,163 |
| Net interest income | $2,177,000 | 6,341 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $387,000 | 6,040 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $207,000 | 5,198 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $180,000 | 5,507 |
| Total noninterest expense | $2,052,000 | 5,907 |
| Salaries and employee benefits | $988,000 | 6,303 |
| Premises and equipment expense | $316,000 | 5,510 |
| Additional noninterest expense | $748,000 | 5,274 |
| Pre-tax net operating income | $512,000 | 6,638 |
| Securities gains (losses) | $36,000 | 2,779 |
| Applicable income taxes | $175,000 | 5,097 |
| Income before extraordinary items | $373,000 | 6,929 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $373,000 | 6,932 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-100,000 | 9,037 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $348,520 | 6,902 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,112,000 | 6,801 |
| Total interest expense | $516,000 | 7,236 |
| Net interest income | $1,596,000 | 6,435 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $304,000 | 5,994 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $156,000 | 5,220 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $148,000 | 5,363 |
| Total noninterest expense | $1,535,000 | 5,905 |
| Salaries and employee benefits | $742,000 | 6,274 |
| Premises and equipment expense | $234,000 | 5,535 |
| Additional noninterest expense | $559,000 | 5,264 |
| Pre-tax net operating income | $365,000 | 6,875 |
| Securities gains (losses) | $29,000 | 2,717 |
| Applicable income taxes | $149,000 | 5,100 |
| Income before extraordinary items | $245,000 | 7,290 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $245,000 | 7,292 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-89,000 | 9,065 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $226,440 | 7,260 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,405,000 | 6,867 |
| Total interest expense | $357,000 | 7,276 |
| Net interest income | $1,048,000 | 6,491 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $213,000 | 5,861 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $106,000 | 5,131 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $107,000 | 5,211 |
| Total noninterest expense | $1,036,000 | 5,877 |
| Salaries and employee benefits | $491,000 | 6,330 |
| Premises and equipment expense | $154,000 | 5,570 |
| Additional noninterest expense | $391,000 | 5,088 |
| Pre-tax net operating income | $225,000 | 7,006 |
| Securities gains (losses) | $22,000 | 2,556 |
| Applicable income taxes | $93,000 | 5,224 |
| Income before extraordinary items | $154,000 | 7,411 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $154,000 | 7,413 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-87,000 | 9,105 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $139,920 | 7,377 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $698,000 | 6,919 |
| Total interest expense | $182,000 | 7,323 |
| Net interest income | $516,000 | 6,555 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $123,000 | 5,400 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $49,000 | 5,240 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $74,000 | 4,499 |
| Total noninterest expense | $528,000 | 5,817 |
| Salaries and employee benefits | $244,000 | 6,341 |
| Premises and equipment expense | $77,000 | 5,564 |
| Additional noninterest expense | $207,000 | 4,839 |
| Pre-tax net operating income | $111,000 | 7,026 |
| Securities gains (losses) | $22,000 | 1,846 |
| Applicable income taxes | $51,000 | 5,066 |
| Income before extraordinary items | $82,000 | 7,247 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $82,000 | 7,248 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-37,000 | 9,052 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $67,920 | 7,396 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,108,000 | 6,752 |
| Total interest expense | $871,000 | 7,279 |
| Net interest income | $2,237,000 | 6,267 |
| Provision for loan and lease losses | $75,000 | 6,163 |
| Total noninterest income | $396,000 | 5,808 |
| Gross Fiduciary activities income | $1,000 | 1,652 |
| Service charges on deposit accounts | $219,000 | 5,009 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $176,000 | 5,270 |
| Total noninterest expense | $2,288,000 | 5,398 |
| Salaries and employee benefits | $1,020,000 | 6,061 |
| Premises and equipment expense | $304,000 | 5,540 |
| Additional noninterest expense | $964,000 | 4,300 |
| Pre-tax net operating income | $270,000 | 7,668 |
| Securities gains (losses) | $7,000 | 3,799 |
| Applicable income taxes | $50,000 | 6,530 |
| Income before extraordinary items | $227,000 | 7,695 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $227,000 | 7,694 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $811,000 | 1,145 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $221,260 | 7,636 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,063,000 | 6,303 |
| Total interest expense | $1,427,000 | 7,129 |
| Net interest income | $2,636,000 | 5,540 |
| Provision for loan and lease losses | $275,000 | 3,402 |
| Total noninterest income | $704,000 | 4,181 |
| Gross Fiduciary activities income | $1,000 | 1,678 |
| Service charges on deposit accounts | $223,000 | 4,903 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $480,000 | 3,202 |
| Total noninterest expense | $2,278,000 | 5,268 |
| Salaries and employee benefits | $1,009,000 | 5,941 |
| Premises and equipment expense | $356,000 | 4,968 |
| Additional noninterest expense | $913,000 | 4,358 |
| Pre-tax net operating income | $787,000 | 5,527 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $265,000 | 4,514 |
| Income before extraordinary items | $522,000 | 5,960 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $522,000 | 5,961 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,050,000 | 904 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $522,000 | 5,852 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,624,000 | 5,997 |
| Total interest expense | $1,854,000 | 6,505 |
| Net interest income | $2,770,000 | 5,442 |
| Provision for loan and lease losses | $2,163,000 | 575 |
| Total noninterest income | $454,000 | 5,166 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $278,000 | 4,258 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $176,000 | 5,094 |
| Total noninterest expense | $2,127,000 | 5,452 |
| Salaries and employee benefits | $923,000 | 6,231 |
| Premises and equipment expense | $344,000 | 4,991 |
| Additional noninterest expense | $860,000 | 4,499 |
| Pre-tax net operating income | $-1,066,000 | 9,740 |
| Securities gains (losses) | $-1,000 | 7,406 |
| Applicable income taxes | $-425,000 | 9,781 |
| Income before extraordinary items | $-642,000 | 9,638 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-642,000 | 9,636 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,788,000 | 509 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-641,360 | 9,637 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,633,000 | 5,836 |
| Total interest expense | $1,805,000 | 6,344 |
| Net interest income | $2,828,000 | 5,389 |
| Provision for loan and lease losses | $985,000 | 998 |
| Total noninterest income | $430,000 | 5,401 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $248,000 | 4,538 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $182,000 | 5,165 |
| Total noninterest expense | $2,066,000 | 5,568 |
| Salaries and employee benefits | $971,000 | 5,998 |
| Premises and equipment expense | $321,000 | 5,267 |
| Additional noninterest expense | $774,000 | 4,913 |
| Pre-tax net operating income | $207,000 | 8,545 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $45,000 | 7,725 |
| Income before extraordinary items | $162,000 | 8,571 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $162,000 | 8,570 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $456,000 | 1,306 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $162,000 | 8,530 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,689,000 | 5,917 |
| Total interest expense | $1,721,000 | 6,725 |
| Net interest income | $2,968,000 | 5,163 |
| Provision for loan and lease losses | $248,000 | 3,012 |
| Total noninterest income | $501,000 | 4,926 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $243,000 | 4,581 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $258,000 | 4,353 |
| Total noninterest expense | $1,951,000 | 5,687 |
| Salaries and employee benefits | $970,000 | 5,894 |
| Premises and equipment expense | $296,000 | 5,419 |
| Additional noninterest expense | $685,000 | 5,248 |
| Pre-tax net operating income | $1,270,000 | 4,705 |
| Securities gains (losses) | $1,000 | 4,151 |
| Applicable income taxes | $435,000 | 4,209 |
| Income before extraordinary items | $836,000 | 5,047 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $836,000 | 5,047 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,603 |
| Cash dividends | $450,000 | 3,752 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $835,340 | 4,968 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,072,000 | 6,595 |
| Total interest expense | $1,452,000 | 7,463 |
| Net interest income | $2,620,000 | 5,861 |
| Provision for loan and lease losses | $101,000 | 5,125 |
| Total noninterest income | $430,000 | 5,482 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $167,000 | 5,876 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $263,000 | 4,249 |
| Total noninterest expense | $2,022,000 | 5,622 |
| Salaries and employee benefits | $903,000 | 6,269 |
| Premises and equipment expense | $287,000 | 5,575 |
| Additional noninterest expense | $832,000 | 4,593 |
| Pre-tax net operating income | $927,000 | 6,058 |
| Securities gains (losses) | $3,000 | 3,097 |
| Applicable income taxes | $330,000 | 5,468 |
| Income before extraordinary items | $600,000 | 6,375 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $600,000 | 6,375 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $93,000 | 3,973 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $598,050 | 6,330 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,756,000 | 7,100 |
| Total interest expense | $1,427,000 | 7,764 |
| Net interest income | $2,329,000 | 6,518 |
| Provision for loan and lease losses | $88,000 | 5,424 |
| Total noninterest income | $654,000 | 4,299 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $147,000 | 6,520 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $507,000 | 2,886 |
| Total noninterest expense | $1,910,000 | 6,139 |
| Salaries and employee benefits | $855,000 | 6,679 |
| Premises and equipment expense | $269,000 | 5,975 |
| Additional noninterest expense | $786,000 | 5,276 |
| Pre-tax net operating income | $985,000 | 5,795 |
| Securities gains (losses) | $-1,000 | 9,274 |
| Applicable income taxes | $345,000 | 5,386 |
| Income before extraordinary items | $639,000 | 6,043 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $639,000 | 6,045 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $157,000 | 3,083 |
| Cash dividends | $110,000 | 6,518 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $639,650 | 5,979 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,556,000 | 7,472 |
| Total interest expense | $1,315,000 | 8,231 |
| Net interest income | $2,241,000 | 6,794 |
| Provision for loan and lease losses | $319,000 | 2,197 |
| Total noninterest income | $1,453,000 | 2,334 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $140,000 | 6,882 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,313,000 | 1,493 |
| Total noninterest expense | $1,886,000 | 6,263 |
| Salaries and employee benefits | $859,000 | 6,766 |
| Premises and equipment expense | $271,000 | 6,056 |
| Additional noninterest expense | $756,000 | 5,493 |
| Pre-tax net operating income | $1,489,000 | 4,483 |
| Securities gains (losses) | $-28,000 | 10,792 |
| Applicable income taxes | $525,000 | 4,043 |
| Income before extraordinary items | $936,000 | 4,841 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $936,000 | 4,840 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-83,000 | 11,663 |
| Cash dividends | $90,000 | 6,999 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $953,920 | 4,773 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,259,000 | 7,689 |
| Total interest expense | $1,143,000 | 8,134 |
| Net interest income | $2,116,000 | 7,282 |
| Provision for loan and lease losses | $166,000 | 3,396 |
| Total noninterest income | $666,000 | 4,289 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $133,000 | 7,276 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $533,000 | 2,837 |
| Total noninterest expense | $2,106,000 | 5,952 |
| Salaries and employee benefits | $786,000 | 7,287 |
| Premises and equipment expense | $251,000 | 6,508 |
| Additional noninterest expense | $1,069,000 | 4,450 |
| Pre-tax net operating income | $510,000 | 8,589 |
| Securities gains (losses) | $-149,000 | 11,786 |
| Applicable income taxes | $135,000 | 8,607 |
| Income before extraordinary items | $226,000 | 9,965 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $226,000 | 9,976 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 4,795 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $321,360 | 8,976 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,953,000 | 8,418 |
| Total interest expense | $1,334,000 | 7,760 |
| Net interest income | $1,619,000 | 8,748 |
| Provision for loan and lease losses | $778,000 | 1,554 |
| Total noninterest income | $1,733,000 | 2,184 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $116,000 | 7,947 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,617,000 | 1,461 |
| Total noninterest expense | $2,108,000 | 6,073 |
| Salaries and employee benefits | $765,000 | 7,537 |
| Premises and equipment expense | $234,000 | 7,011 |
| Additional noninterest expense | $1,109,000 | 4,502 |
| Pre-tax net operating income | $466,000 | 8,896 |
| Securities gains (losses) | $107,000 | 2,403 |
| Applicable income taxes | $60,000 | 10,703 |
| Income before extraordinary items | $513,000 | 7,437 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $513,000 | 7,616 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $640,000 | 1,526 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $416,700 | 7,998 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,028,000 | 8,925 |
| Total interest expense | $1,794,000 | 7,634 |
| Net interest income | $1,234,000 | 10,203 |
| Provision for loan and lease losses | $746,000 | 2,268 |
| Total noninterest income | $875,000 | 3,703 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $111,000 | 8,186 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $764,000 | 2,369 |
| Total noninterest expense | $1,771,000 | 7,040 |
| Salaries and employee benefits | $680,000 | 8,140 |
| Premises and equipment expense | $239,000 | 6,988 |
| Additional noninterest expense | $852,000 | 5,781 |
| Pre-tax net operating income | $-408,000 | 13,236 |
| Securities gains (losses) | $-62,000 | 13,708 |
| Applicable income taxes | $7,000 | 12,453 |
| Income before extraordinary items | $-477,000 | 13,373 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-477,000 | 13,370 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $694,000 | 1,987 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-415,000 | 13,227 |
* 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.