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The Commercial and Savings Bank of St. Clair County, Income and Expense

1996-12-31 (YTD Data)Rank
Total interest income$16,285,0002,076
Total interest expense$7,051,0002,198
Net interest income$9,234,0001,942
Provision for loan and lease losses$141,0004,225
Total noninterest income$3,817,0001,153
Gross Fiduciary activities income$1,828,000370
Service charges on deposit accounts$703,0001,928
Trading account gains and fees$0262
Additional Noninterest Income$1,286,0001,523
Total noninterest expense$9,606,0001,488
Salaries and employee benefits$5,331,0001,260
Premises and equipment expense$1,389,0001,458
Additional noninterest expense$2,886,0001,798
Pre-tax net operating income$3,304,0002,171
Securities gains (losses)$-30,00010,843
Applicable income taxes$699,0003,178
Income before extraordinary items$2,575,0001,922
Extraordinary gains, net$053
Net income$2,575,0001,923
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$47,0005,431
Cash dividends$1,424,0001,647
Sale, conversion, retirement of capital stock, net$0953
Net operating income$2,598,7001,866
1995-12-31 (YTD Data)Rank
Total interest income$15,967,0002,102
Total interest expense$6,985,0002,236
Net interest income$8,982,0002,001
Provision for loan and lease losses$116,0004,287
Total noninterest income$3,333,0001,274
Gross Fiduciary activities income$1,480,000441
Service charges on deposit accounts$663,0002,042
Trading account gains and fees$0522
Additional Noninterest Income$1,190,0001,611
Total noninterest expense$9,198,0001,546
Salaries and employee benefits$5,010,0001,323
Premises and equipment expense$1,349,0001,510
Additional noninterest expense$2,839,0001,776
Pre-tax net operating income$3,001,0002,433
Securities gains (losses)$-61,00011,281
Applicable income taxes$549,0003,913
Income before extraordinary items$2,391,0002,118
Extraordinary gains, net$065
Net income$2,391,0002,116
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$46,0005,295
Cash dividends$1,755,0001,346
Sale, conversion, retirement of capital stock, net$0809
Net operating income$2,440,4102,033
1994-12-31 (YTD Data)Rank
Total interest income$14,605,0002,105
Total interest expense$6,172,0002,025
Net interest income$8,433,0002,144
Provision for loan and lease losses$20,0007,754
Total noninterest income$3,466,0001,216
Gross Fiduciary activities income$1,650,000414
Service charges on deposit accounts$605,0002,258
Trading account gains and fees$0475
Additional Noninterest Income$1,211,0001,617
Total noninterest expense$8,973,0001,641
Salaries and employee benefits$4,714,0001,431
Premises and equipment expense$1,300,0001,582
Additional noninterest expense$2,959,0001,829
Pre-tax net operating income$2,906,0002,441
Securities gains (losses)$-19,00010,292
Applicable income taxes$498,0004,064
Income before extraordinary items$2,389,0002,047
Extraordinary gains, net$0249
Net income$2,389,0002,046
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$20,0006,622
Cash dividends$1,147,0001,706
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$2,404,7702,046
1993-12-31 (YTD Data)Rank
Total interest income$14,828,0002,110
Total interest expense$6,449,0002,003
Net interest income$8,379,0002,154
Provision for loan and lease losses$69,0006,693
Total noninterest income$3,822,0001,204
Gross Fiduciary activities income$1,606,000429
Service charges on deposit accounts$550,0002,524
Trading account gains and fees$0532
Additional Noninterest Income$1,666,0001,427
Total noninterest expense$9,063,0001,670
Salaries and employee benefits$4,913,0001,369
Premises and equipment expense$1,299,0001,618
Additional noninterest expense$2,851,0001,993
Pre-tax net operating income$3,069,0002,220
Securities gains (losses)$12,0005,266
Applicable income taxes$561,0003,794
Income before extraordinary items$2,520,0001,985
Extraordinary gains, net$03,149
Net income$2,520,0002,055
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$65,0005,491
Cash dividends$1,167,0001,557
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$2,510,1601,878
1992-12-31 (YTD Data)Rank
Total interest income$15,858,0002,223
Total interest expense$7,547,0002,248
Net interest income$8,311,0002,185
Provision for loan and lease losses$292,0004,214
Total noninterest income$3,042,0001,422
Gross Fiduciary activities income$1,390,000464
Service charges on deposit accounts$482,0002,891
Trading account gains and fees$0504
Additional Noninterest Income$1,170,0001,794
Total noninterest expense$8,196,0001,845
Salaries and employee benefits$4,434,0001,495
Premises and equipment expense$1,109,0001,908
Additional noninterest expense$2,653,0002,213
Pre-tax net operating income$2,865,0002,167
Securities gains (losses)$11,0006,349
Applicable income taxes$490,0004,066
Income before extraordinary items$2,386,0001,906
Extraordinary gains, net$01,422
Net income$2,386,0001,938
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$82,0006,392
Cash dividends$1,118,0001,408
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$2,376,8701,762

* 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.