Home > The Citizens State Bank of Waterville > Income and Expense
The Citizens State Bank of Waterville, Income and Expense
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,544,000 | 11,137 |
| Total interest expense | $685,000 | 10,678 |
| Net interest income | $859,000 | 11,319 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $107,000 | 11,152 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $57,000 | 9,801 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $50,000 | 10,096 |
| Total noninterest expense | $572,000 | 11,789 |
| Salaries and employee benefits | $397,000 | 10,666 |
| Premises and equipment expense | $50,000 | 12,210 |
| Additional noninterest expense | $125,000 | 12,715 |
| Pre-tax net operating income | $394,000 | 9,456 |
| Securities gains (losses) | $-15,000 | 12,862 |
| Applicable income taxes | $84,000 | 10,123 |
| Income before extraordinary items | $295,000 | 9,542 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $295,000 | 9,695 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 5,762 |
| Cash dividends | $35,000 | 8,340 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $306,700 | 9,146 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,706,000 | 11,506 |
| Total interest expense | $837,000 | 11,157 |
| Net interest income | $869,000 | 11,638 |
| Provision for loan and lease losses | $137,000 | 6,359 |
| Total noninterest income | $131,000 | 10,899 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $71,000 | 9,522 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $60,000 | 9,797 |
| Total noninterest expense | $523,000 | 12,503 |
| Salaries and employee benefits | $319,000 | 11,804 |
| Premises and equipment expense | $59,000 | 12,326 |
| Additional noninterest expense | $145,000 | 13,029 |
| Pre-tax net operating income | $340,000 | 9,776 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $96,000 | 10,025 |
| Income before extraordinary items | $244,000 | 9,998 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $244,000 | 10,150 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 7,255 |
| Cash dividends | $25,000 | 8,340 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $244,000 | 9,631 |
* 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.