Home > The Commercial and Savings Bank Company > Income and Expense
The Commercial and Savings Bank Company, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,107,000 | 10,189 |
| Total interest expense | $588,000 | 9,867 |
| Net interest income | $519,000 | 10,340 |
| Provision for loan and lease losses | $9,000 | 8,470 |
| Total noninterest income | $60,000 | 10,101 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $38,000 | 8,734 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $22,000 | 9,735 |
| Total noninterest expense | $456,000 | 10,301 |
| Salaries and employee benefits | $220,000 | 10,440 |
| Premises and equipment expense | $92,000 | 9,159 |
| Additional noninterest expense | $144,000 | 10,070 |
| Pre-tax net operating income | $114,000 | 10,012 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $20,000 | 9,723 |
| Income before extraordinary items | $94,000 | 10,000 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $94,000 | 10,002 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 5,126 |
| Cash dividends | $17,000 | 7,656 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $94,000 | 9,957 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,089,000 | 10,690 |
| Total interest expense | $575,000 | 10,358 |
| Net interest income | $514,000 | 10,861 |
| Provision for loan and lease losses | $14,000 | 8,292 |
| Total noninterest income | $63,000 | 10,621 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $42,000 | 9,055 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,000 | 10,346 |
| Total noninterest expense | $446,000 | 10,810 |
| Salaries and employee benefits | $218,000 | 10,913 |
| Premises and equipment expense | $85,000 | 9,680 |
| Additional noninterest expense | $143,000 | 10,635 |
| Pre-tax net operating income | $117,000 | 10,280 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $21,000 | 10,180 |
| Income before extraordinary items | $96,000 | 10,260 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $96,000 | 10,260 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 7,336 |
| Cash dividends | $16,000 | 8,114 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $96,000 | 10,206 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,003,000 | 11,272 |
| Total interest expense | $504,000 | 11,001 |
| Net interest income | $499,000 | 11,402 |
| Provision for loan and lease losses | $7,000 | 8,542 |
| Total noninterest income | $66,000 | 11,042 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $43,000 | 9,448 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $23,000 | 10,706 |
| Total noninterest expense | $455,000 | 11,214 |
| Salaries and employee benefits | $216,000 | 11,392 |
| Premises and equipment expense | $80,000 | 10,197 |
| Additional noninterest expense | $159,000 | 10,947 |
| Pre-tax net operating income | $103,000 | 11,066 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $17,000 | 10,802 |
| Income before extraordinary items | $86,000 | 11,056 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $86,000 | 11,055 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,816 |
| Cash dividends | $15,000 | 8,467 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $86,000 | 11,029 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $979,000 | 11,744 |
| Total interest expense | $444,000 | 11,373 |
| Net interest income | $535,000 | 11,893 |
| Provision for loan and lease losses | $9,000 | 8,587 |
| Total noninterest income | $67,000 | 11,559 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $47,000 | 9,795 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 11,420 |
| Total noninterest expense | $471,000 | 11,749 |
| Salaries and employee benefits | $233,000 | 11,814 |
| Premises and equipment expense | $80,000 | 10,655 |
| Additional noninterest expense | $158,000 | 11,692 |
| Pre-tax net operating income | $122,000 | 11,476 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $23,000 | 11,093 |
| Income before extraordinary items | $99,000 | 11,395 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $99,000 | 11,400 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 7,569 |
| Cash dividends | $14,000 | 8,708 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $99,000 | 11,435 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $932,000 | 12,434 |
| Total interest expense | $435,000 | 12,041 |
| Net interest income | $497,000 | 12,564 |
| Provision for loan and lease losses | $6,000 | 10,012 |
| Total noninterest income | $73,000 | 11,986 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $47,000 | 10,174 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $26,000 | 11,580 |
| Total noninterest expense | $457,000 | 12,380 |
| Salaries and employee benefits | $226,000 | 12,403 |
| Premises and equipment expense | $75,000 | 11,339 |
| Additional noninterest expense | $156,000 | 12,331 |
| Pre-tax net operating income | $107,000 | 11,821 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $20,000 | 11,603 |
| Income before extraordinary items | $87,000 | 11,931 |
| Extraordinary gains, net | $-5,000 | 12,234 |
| Net income | $82,000 | 12,020 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 9,293 |
| Cash dividends | $12,000 | 8,844 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $87,000 | 11,750 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $964,000 | 13,087 |
| Total interest expense | $480,000 | 12,844 |
| Net interest income | $484,000 | 13,127 |
| Provision for loan and lease losses | $10,000 | 11,168 |
| Total noninterest income | $65,000 | 12,707 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $41,000 | 10,666 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $24,000 | 12,236 |
| Total noninterest expense | $451,000 | 12,895 |
| Salaries and employee benefits | $223,000 | 12,899 |
| Premises and equipment expense | $76,000 | 11,645 |
| Additional noninterest expense | $152,000 | 12,921 |
| Pre-tax net operating income | $88,000 | 12,136 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $10,000 | 12,372 |
| Income before extraordinary items | $78,000 | 12,251 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $78,000 | 12,279 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 12,286 |
| Cash dividends | $10,000 | 8,694 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $78,000 | 11,954 |
* 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.