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Citizens Bank, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$10,014,0003,232
Total interest expense$4,746,0003,152
Net interest income$5,268,0003,240
Provision for loan and lease losses$08,652
Total noninterest income$1,931,0001,887
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$385,0003,237
Trading account gains and fees$0224
Additional Noninterest Income$1,546,0001,374
Total noninterest expense$5,120,0002,542
Salaries and employee benefits$1,848,0003,588
Premises and equipment expense$626,0003,050
Additional noninterest expense$2,646,0001,622
Pre-tax net operating income$2,079,0003,244
Securities gains (losses)$04,449
Applicable income taxes$677,0003,108
Income before extraordinary items$1,402,0003,436
Extraordinary gains, net$032
Net income$1,402,0003,437
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$624,0001,056
Cash dividends$213,0005,252
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$1,402,0003,339
1997-12-31 (YTD Data)Rank
Total interest income$10,705,0003,034
Total interest expense$5,500,0002,725
Net interest income$5,205,0003,356
Provision for loan and lease losses$1,289,000812
Total noninterest income$688,0004,017
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$476,0002,745
Trading account gains and fees$0239
Additional Noninterest Income$212,0004,828
Total noninterest expense$5,604,0002,300
Salaries and employee benefits$2,258,0002,933
Premises and equipment expense$874,0002,252
Additional noninterest expense$2,472,0001,714
Pre-tax net operating income$-1,000,00010,845
Securities gains (losses)$03,944
Applicable income taxes$453,0004,511
Income before extraordinary items$-1,453,00010,877
Extraordinary gains, net$044
Net income$-1,453,00010,877
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$562,0001,230
Cash dividends$27,0007,512
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$-1,453,00010,866
1996-12-31 (YTD Data)Rank
Total interest income$11,670,0002,828
Total interest expense$6,090,0002,519
Net interest income$5,580,0003,168
Provision for loan and lease losses$485,0001,774
Total noninterest income$833,0003,593
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$514,0002,654
Trading account gains and fees$0262
Additional Noninterest Income$319,0003,934
Total noninterest expense$5,148,0002,647
Salaries and employee benefits$2,214,0003,014
Premises and equipment expense$937,0002,129
Additional noninterest expense$1,997,0002,460
Pre-tax net operating income$780,0006,583
Securities gains (losses)$62,0001,204
Applicable income taxes$214,0006,916
Income before extraordinary items$628,0006,105
Extraordinary gains, net$053
Net income$628,0006,108
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,417,000717
Cash dividends$35,0007,786
Sale, conversion, retirement of capital stock, net$0953
Net operating income$581,5006,320
1995-12-31 (YTD Data)Rank
Total interest income$12,405,0002,695
Total interest expense$6,890,0002,266
Net interest income$5,515,0003,222
Provision for loan and lease losses$1,281,000786
Total noninterest income$832,0003,588
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$503,0002,711
Trading account gains and fees$0522
Additional Noninterest Income$329,0003,778
Total noninterest expense$6,057,0002,246
Salaries and employee benefits$2,276,0002,928
Premises and equipment expense$923,0002,176
Additional noninterest expense$2,858,0001,769
Pre-tax net operating income$-991,00011,872
Securities gains (losses)$106,000928
Applicable income taxes$-570,00011,876
Income before extraordinary items$-315,00011,743
Extraordinary gains, net$065
Net income$-315,00011,740
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$252,0002,175
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$-382,84011,758
1994-12-31 (YTD Data)Rank
Total interest income$10,197,0002,989
Total interest expense$4,517,0002,710
Net interest income$5,680,0003,153
Provision for loan and lease losses$1,587,000674
Total noninterest income$685,0004,193
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$475,0002,910
Trading account gains and fees$0475
Additional Noninterest Income$210,0005,108
Total noninterest expense$4,574,0003,011
Salaries and employee benefits$1,883,0003,467
Premises and equipment expense$738,0002,707
Additional noninterest expense$1,953,0002,632
Pre-tax net operating income$204,00010,865
Securities gains (losses)$21,0001,738
Applicable income taxes$-169,00012,371
Income before extraordinary items$394,0008,247
Extraordinary gains, net$0249
Net income$394,0008,249
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$42,0005,444
Cash dividends$816,0002,238
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$373,0008,479
1993-12-31 (YTD Data)Rank
Total interest income$8,765,0003,513
Total interest expense$3,786,0003,325
Net interest income$4,979,0003,592
Provision for loan and lease losses$81,0006,293
Total noninterest income$595,0004,986
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$394,0003,487
Trading account gains and fees$0532
Additional Noninterest Income$201,0005,660
Total noninterest expense$3,487,0003,918
Salaries and employee benefits$1,886,0003,458
Premises and equipment expense$462,0004,150
Additional noninterest expense$1,139,0004,401
Pre-tax net operating income$2,006,0003,298
Securities gains (losses)$55,0003,253
Applicable income taxes$687,0003,176
Income before extraordinary items$1,374,0003,514
Extraordinary gains, net$03,149
Net income$1,374,0003,627
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-138,00013,030
Cash dividends$456,0003,334
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$1,337,1503,419
1992-12-31 (YTD Data)Rank
Total interest income$8,979,0003,864
Total interest expense$4,546,0003,612
Net interest income$4,433,0004,053
Provision for loan and lease losses$300,0004,111
Total noninterest income$456,0006,023
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$340,0004,018
Trading account gains and fees$0504
Additional Noninterest Income$116,0007,567
Total noninterest expense$3,120,0004,365
Salaries and employee benefits$1,562,0004,068
Premises and equipment expense$443,0004,409
Additional noninterest expense$1,115,0004,634
Pre-tax net operating income$1,469,0004,115
Securities gains (losses)$144,0002,469
Applicable income taxes$420,0004,612
Income before extraordinary items$1,193,0003,831
Extraordinary gains, net$01,422
Net income$1,193,0003,872
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$121,0005,426
Cash dividends$1,875,000913
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$1,086,4403,871

* 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.