Home > Citizens Bank > Income and Expense
Citizens Bank, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $730,000 | 9,823 |
| Total interest expense | $303,000 | 9,793 |
| Net interest income | $427,000 | 9,788 |
| Provision for loan and lease losses | $5,000 | 8,322 |
| Total noninterest income | $35,000 | 9,798 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $28,000 | 8,338 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $7,000 | 9,868 |
| Total noninterest expense | $331,000 | 10,011 |
| Salaries and employee benefits | $182,000 | 9,973 |
| Premises and equipment expense | $25,000 | 10,037 |
| Additional noninterest expense | $124,000 | 9,749 |
| Pre-tax net operating income | $126,000 | 8,947 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $64,000 | 7,438 |
| Income before extraordinary items | $62,000 | 9,185 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $62,000 | 9,182 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 8,900 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $62,000 | 9,154 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $671,000 | 10,114 |
| Total interest expense | $306,000 | 10,041 |
| Net interest income | $365,000 | 10,124 |
| Provision for loan and lease losses | $19,000 | 7,809 |
| Total noninterest income | $27,000 | 10,129 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $20,000 | 8,717 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $7,000 | 10,104 |
| Total noninterest expense | $324,000 | 10,210 |
| Salaries and employee benefits | $218,000 | 10,026 |
| Premises and equipment expense | $29,000 | 10,190 |
| Additional noninterest expense | $77,000 | 10,277 |
| Pre-tax net operating income | $49,000 | 9,620 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $16,000 | 8,961 |
| Income before extraordinary items | $33,000 | 9,708 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $33,000 | 9,706 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,386 |
| Cash dividends | $12,000 | 7,346 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $33,000 | 9,650 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $665,000 | 10,602 |
| Total interest expense | $282,000 | 10,548 |
| Net interest income | $383,000 | 10,574 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $28,000 | 10,603 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $20,000 | 9,132 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $8,000 | 10,520 |
| Total noninterest expense | $377,000 | 10,537 |
| Salaries and employee benefits | $245,000 | 10,301 |
| Premises and equipment expense | $41,000 | 10,416 |
| Additional noninterest expense | $91,000 | 10,604 |
| Pre-tax net operating income | $34,000 | 10,286 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $6,000 | 9,950 |
| Income before extraordinary items | $28,000 | 10,332 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $28,000 | 10,334 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $24,000 | 7,566 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $28,000 | 10,294 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $682,000 | 11,127 |
| Total interest expense | $287,000 | 11,100 |
| Net interest income | $395,000 | 11,089 |
| Provision for loan and lease losses | $2,000 | 8,964 |
| Total noninterest income | $26,000 | 11,187 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $24,000 | 9,499 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,000 | 11,319 |
| Total noninterest expense | $386,000 | 11,005 |
| Salaries and employee benefits | $246,000 | 10,737 |
| Premises and equipment expense | $38,000 | 10,966 |
| Additional noninterest expense | $102,000 | 11,073 |
| Pre-tax net operating income | $33,000 | 10,669 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $7,000 | 10,417 |
| Income before extraordinary items | $26,000 | 10,703 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $26,000 | 10,699 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,441 |
| Cash dividends | $24,000 | 8,001 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $26,000 | 10,650 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $683,000 | 11,643 |
| Total interest expense | $306,000 | 11,564 |
| Net interest income | $377,000 | 11,650 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $26,000 | 11,709 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $22,000 | 9,956 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,000 | 11,796 |
| Total noninterest expense | $369,000 | 11,534 |
| Salaries and employee benefits | $245,000 | 11,196 |
| Premises and equipment expense | $33,000 | 11,548 |
| Additional noninterest expense | $91,000 | 11,691 |
| Pre-tax net operating income | $34,000 | 11,369 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $5,000 | 11,015 |
| Income before extraordinary items | $29,000 | 11,392 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $29,000 | 11,389 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $24,000 | 8,316 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $29,000 | 11,357 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $584,000 | 12,340 |
| Total interest expense | $216,000 | 12,306 |
| Net interest income | $368,000 | 12,296 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $28,000 | 12,289 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $23,000 | 10,480 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $5,000 | 12,349 |
| Total noninterest expense | $364,000 | 12,168 |
| Salaries and employee benefits | $234,000 | 11,802 |
| Premises and equipment expense | $35,000 | 12,105 |
| Additional noninterest expense | $95,000 | 12,337 |
| Pre-tax net operating income | $32,000 | 11,982 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $6,000 | 11,474 |
| Income before extraordinary items | $26,000 | 11,939 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $26,000 | 11,939 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $24,000 | 8,512 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $26,000 | 11,978 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $592,000 | 12,952 |
| Total interest expense | $229,000 | 12,905 |
| Net interest income | $363,000 | 12,895 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $19,000 | 13,082 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $16,000 | 11,092 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,000 | 13,123 |
| Total noninterest expense | $350,000 | 12,829 |
| Salaries and employee benefits | $227,000 | 12,396 |
| Premises and equipment expense | $36,000 | 12,671 |
| Additional noninterest expense | $87,000 | 13,047 |
| Pre-tax net operating income | $32,000 | 12,264 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $6,000 | 11,928 |
| Income before extraordinary items | $26,000 | 12,397 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $26,000 | 12,420 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $24,000 | 8,604 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $26,000 | 12,259 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $644,000 | 13,556 |
| Total interest expense | $273,000 | 13,546 |
| Net interest income | $371,000 | 13,460 |
| Provision for loan and lease losses | $1,000 | 11,714 |
| Total noninterest income | $17,000 | 13,725 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $14,000 | 11,513 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,000 | 13,771 |
| Total noninterest expense | $362,000 | 13,349 |
| Salaries and employee benefits | $228,000 | 12,854 |
| Premises and equipment expense | $36,000 | 13,211 |
| Additional noninterest expense | $98,000 | 13,553 |
| Pre-tax net operating income | $25,000 | 12,567 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $5,000 | 12,508 |
| Income before extraordinary items | $20,000 | 12,775 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $20,000 | 12,771 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 11,020 |
| Cash dividends | $12,000 | 8,651 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $20,000 | 12,537 |
* 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.