Home > The Citizens Bank > Income and Expense
The Citizens Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,805,000 | 7,999 |
| Total interest expense | $1,189,000 | 8,147 |
| Net interest income | $1,616,000 | 7,732 |
| Provision for loan and lease losses | $51,000 | 6,594 |
| Total noninterest income | $751,000 | 3,759 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $198,000 | 5,361 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $553,000 | 2,640 |
| Total noninterest expense | $1,495,000 | 6,799 |
| Salaries and employee benefits | $921,000 | 6,184 |
| Premises and equipment expense | $221,000 | 6,483 |
| Additional noninterest expense | $353,000 | 7,780 |
| Pre-tax net operating income | $821,000 | 6,449 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $276,000 | 5,959 |
| Income before extraordinary items | $545,000 | 6,702 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $545,000 | 6,704 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 5,298 |
| Cash dividends | $55,000 | 7,116 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $545,000 | 6,641 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,570,000 | 8,602 |
| Total interest expense | $1,104,000 | 8,683 |
| Net interest income | $1,466,000 | 8,353 |
| Provision for loan and lease losses | $50,000 | 6,559 |
| Total noninterest income | $678,000 | 4,205 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $210,000 | 5,392 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $468,000 | 3,064 |
| Total noninterest expense | $1,417,000 | 7,346 |
| Salaries and employee benefits | $852,000 | 6,700 |
| Premises and equipment expense | $255,000 | 6,180 |
| Additional noninterest expense | $310,000 | 8,768 |
| Pre-tax net operating income | $677,000 | 7,039 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $245,000 | 6,513 |
| Income before extraordinary items | $432,000 | 7,365 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $432,000 | 7,365 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 4,441 |
| Cash dividends | $55,000 | 7,439 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $432,000 | 7,313 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,595,000 | 8,812 |
| Total interest expense | $921,000 | 9,542 |
| Net interest income | $1,674,000 | 8,084 |
| Provision for loan and lease losses | $60,000 | 5,704 |
| Total noninterest income | $225,000 | 8,061 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $178,000 | 6,102 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $47,000 | 9,382 |
| Total noninterest expense | $1,334,000 | 7,776 |
| Salaries and employee benefits | $790,000 | 7,158 |
| Premises and equipment expense | $164,000 | 7,947 |
| Additional noninterest expense | $380,000 | 8,396 |
| Pre-tax net operating income | $505,000 | 8,404 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $173,000 | 7,875 |
| Income before extraordinary items | $332,000 | 8,644 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $332,000 | 8,648 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-28,000 | 11,194 |
| Cash dividends | $50,000 | 7,734 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $332,000 | 8,610 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,078,000 | 9,654 |
| Total interest expense | $617,000 | 10,519 |
| Net interest income | $1,461,000 | 8,986 |
| Provision for loan and lease losses | $60,000 | 5,594 |
| Total noninterest income | $222,000 | 8,355 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $177,000 | 6,319 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $45,000 | 9,881 |
| Total noninterest expense | $1,193,000 | 8,626 |
| Salaries and employee benefits | $676,000 | 8,062 |
| Premises and equipment expense | $206,000 | 7,296 |
| Additional noninterest expense | $311,000 | 9,829 |
| Pre-tax net operating income | $430,000 | 9,127 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $160,000 | 8,112 |
| Income before extraordinary items | $270,000 | 9,489 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $270,000 | 9,496 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 4,490 |
| Cash dividends | $168,000 | 5,850 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $270,000 | 9,536 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,162,000 | 9,860 |
| Total interest expense | $611,000 | 11,074 |
| Net interest income | $1,551,000 | 8,945 |
| Provision for loan and lease losses | $120,000 | 5,200 |
| Total noninterest income | $201,000 | 9,206 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $169,000 | 6,628 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $32,000 | 11,170 |
| Total noninterest expense | $1,155,000 | 9,085 |
| Salaries and employee benefits | $642,000 | 8,460 |
| Premises and equipment expense | $183,000 | 8,063 |
| Additional noninterest expense | $330,000 | 10,071 |
| Pre-tax net operating income | $477,000 | 8,805 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $198,000 | 7,661 |
| Income before extraordinary items | $279,000 | 9,703 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $279,000 | 9,851 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 5,721 |
| Cash dividends | $220,000 | 5,198 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $279,000 | 9,444 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,065,000 | 10,770 |
| Total interest expense | $737,000 | 11,641 |
| Net interest income | $1,328,000 | 9,882 |
| Provision for loan and lease losses | $108,000 | 7,079 |
| Total noninterest income | $185,000 | 9,709 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $161,000 | 6,843 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $24,000 | 12,236 |
| Total noninterest expense | $1,126,000 | 9,380 |
| Salaries and employee benefits | $511,000 | 9,674 |
| Premises and equipment expense | $167,000 | 8,636 |
| Additional noninterest expense | $448,000 | 8,986 |
| Pre-tax net operating income | $279,000 | 10,344 |
| Securities gains (losses) | $29,000 | 5,046 |
| Applicable income taxes | $82,000 | 10,395 |
| Income before extraordinary items | $226,000 | 10,237 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $226,000 | 10,385 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 5,927 |
| Cash dividends | $55,000 | 7,563 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $204,830 | 10,189 |
* 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.