Home > Citizens' Bank > Income and Expense
Citizens' Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,319,000 | 6,371 |
| Total interest expense | $1,732,000 | 6,815 |
| Net interest income | $2,587,000 | 5,911 |
| Provision for loan and lease losses | $216,000 | 3,274 |
| Total noninterest income | $606,000 | 4,382 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $524,000 | 2,504 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $82,000 | 7,323 |
| Total noninterest expense | $2,125,000 | 5,421 |
| Salaries and employee benefits | $1,099,000 | 5,473 |
| Premises and equipment expense | $286,000 | 5,585 |
| Additional noninterest expense | $740,000 | 5,004 |
| Pre-tax net operating income | $852,000 | 6,323 |
| Securities gains (losses) | $38,000 | 1,502 |
| Applicable income taxes | $310,000 | 5,627 |
| Income before extraordinary items | $580,000 | 6,477 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $580,000 | 6,479 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 6,193 |
| Cash dividends | $375,000 | 4,099 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $555,300 | 6,580 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,789,000 | 7,068 |
| Total interest expense | $1,522,000 | 7,523 |
| Net interest income | $2,267,000 | 6,625 |
| Provision for loan and lease losses | $74,000 | 5,750 |
| Total noninterest income | $583,000 | 4,656 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $481,000 | 2,815 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $102,000 | 7,055 |
| Total noninterest expense | $1,889,000 | 6,192 |
| Salaries and employee benefits | $960,000 | 6,174 |
| Premises and equipment expense | $244,000 | 6,338 |
| Additional noninterest expense | $685,000 | 5,822 |
| Pre-tax net operating income | $886,000 | 6,138 |
| Securities gains (losses) | $79,000 | 1,069 |
| Applicable income taxes | $341,000 | 5,418 |
| Income before extraordinary items | $624,000 | 6,127 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $624,000 | 6,130 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 6,197 |
| Cash dividends | $375,000 | 4,050 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $572,650 | 6,369 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,491,000 | 7,564 |
| Total interest expense | $1,417,000 | 7,932 |
| Net interest income | $2,074,000 | 7,136 |
| Provision for loan and lease losses | $87,000 | 4,922 |
| Total noninterest income | $586,000 | 4,655 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $444,000 | 3,044 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $142,000 | 6,145 |
| Total noninterest expense | $1,779,000 | 6,518 |
| Salaries and employee benefits | $876,000 | 6,675 |
| Premises and equipment expense | $224,000 | 6,765 |
| Additional noninterest expense | $679,000 | 5,999 |
| Pre-tax net operating income | $794,000 | 6,854 |
| Securities gains (losses) | $62,000 | 1,174 |
| Applicable income taxes | $295,000 | 6,065 |
| Income before extraordinary items | $562,000 | 6,831 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $562,000 | 6,830 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 4,621 |
| Cash dividends | $355,000 | 4,145 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $521,080 | 7,070 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,843,000 | 8,333 |
| Total interest expense | $1,004,000 | 8,679 |
| Net interest income | $1,839,000 | 7,943 |
| Provision for loan and lease losses | $38,000 | 6,695 |
| Total noninterest income | $601,000 | 4,654 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $420,000 | 3,235 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $181,000 | 5,600 |
| Total noninterest expense | $1,702,000 | 6,984 |
| Salaries and employee benefits | $811,000 | 7,145 |
| Premises and equipment expense | $227,000 | 6,931 |
| Additional noninterest expense | $664,000 | 6,579 |
| Pre-tax net operating income | $700,000 | 7,382 |
| Securities gains (losses) | $74,000 | 928 |
| Applicable income taxes | $271,000 | 6,237 |
| Income before extraordinary items | $503,000 | 7,288 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $503,000 | 7,293 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 7,184 |
| Cash dividends | $300,000 | 4,418 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $454,900 | 7,716 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,578,000 | 9,045 |
| Total interest expense | $780,000 | 10,151 |
| Net interest income | $1,798,000 | 8,254 |
| Provision for loan and lease losses | $23,000 | 8,904 |
| Total noninterest income | $556,000 | 5,211 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $389,000 | 3,534 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $167,000 | 6,217 |
| Total noninterest expense | $1,646,000 | 7,370 |
| Salaries and employee benefits | $772,000 | 7,486 |
| Premises and equipment expense | $211,000 | 7,471 |
| Additional noninterest expense | $663,000 | 6,838 |
| Pre-tax net operating income | $685,000 | 7,442 |
| Securities gains (losses) | $79,000 | 2,808 |
| Applicable income taxes | $232,000 | 7,070 |
| Income before extraordinary items | $532,000 | 7,292 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $532,000 | 7,463 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 8,297 |
| Cash dividends | $280,000 | 4,592 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $476,700 | 7,480 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,677,000 | 9,578 |
| Total interest expense | $943,000 | 10,646 |
| Net interest income | $1,734,000 | 8,546 |
| Provision for loan and lease losses | $77,000 | 8,018 |
| Total noninterest income | $483,000 | 5,781 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $327,000 | 4,151 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $156,000 | 6,504 |
| Total noninterest expense | $1,482,000 | 7,979 |
| Salaries and employee benefits | $700,000 | 7,978 |
| Premises and equipment expense | $175,000 | 8,439 |
| Additional noninterest expense | $607,000 | 7,449 |
| Pre-tax net operating income | $658,000 | 7,337 |
| Securities gains (losses) | $31,000 | 4,927 |
| Applicable income taxes | $235,000 | 6,910 |
| Income before extraordinary items | $454,000 | 7,704 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $454,000 | 7,821 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 9,104 |
| Cash dividends | $250,000 | 4,445 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $433,540 | 7,543 |
* 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.