Home > Citizens Bank > Income and Expense
Citizens Bank, Income and Expense
1998-12-31 (YTD Data) | Rank | |
Total interest income | $10,014,000 | 3,232 |
Total interest expense | $4,746,000 | 3,152 |
Net interest income | $5,268,000 | 3,240 |
Provision for loan and lease losses | $0 | 8,652 |
Total noninterest income | $1,931,000 | 1,887 |
Gross Fiduciary activities income | $0 | 1,398 |
Service charges on deposit accounts | $385,000 | 3,237 |
Trading account gains and fees | $0 | 224 |
Additional Noninterest Income | $1,546,000 | 1,374 |
Total noninterest expense | $5,120,000 | 2,542 |
Salaries and employee benefits | $1,848,000 | 3,588 |
Premises and equipment expense | $626,000 | 3,050 |
Additional noninterest expense | $2,646,000 | 1,622 |
Pre-tax net operating income | $2,079,000 | 3,244 |
Securities gains (losses) | $0 | 4,449 |
Applicable income taxes | $677,000 | 3,108 |
Income before extraordinary items | $1,402,000 | 3,436 |
Extraordinary gains, net | $0 | 32 |
Net income | $1,402,000 | 3,437 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $624,000 | 1,056 |
Cash dividends | $213,000 | 5,252 |
Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
Net operating income | $1,402,000 | 3,339 |
1997-12-31 (YTD Data) | Rank | |
Total interest income | $10,705,000 | 3,034 |
Total interest expense | $5,500,000 | 2,725 |
Net interest income | $5,205,000 | 3,356 |
Provision for loan and lease losses | $1,289,000 | 812 |
Total noninterest income | $688,000 | 4,017 |
Gross Fiduciary activities income | $0 | 1,450 |
Service charges on deposit accounts | $476,000 | 2,745 |
Trading account gains and fees | $0 | 239 |
Additional Noninterest Income | $212,000 | 4,828 |
Total noninterest expense | $5,604,000 | 2,300 |
Salaries and employee benefits | $2,258,000 | 2,933 |
Premises and equipment expense | $874,000 | 2,252 |
Additional noninterest expense | $2,472,000 | 1,714 |
Pre-tax net operating income | $-1,000,000 | 10,845 |
Securities gains (losses) | $0 | 3,944 |
Applicable income taxes | $453,000 | 4,511 |
Income before extraordinary items | $-1,453,000 | 10,877 |
Extraordinary gains, net | $0 | 44 |
Net income | $-1,453,000 | 10,877 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $562,000 | 1,230 |
Cash dividends | $27,000 | 7,512 |
Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
Net operating income | $-1,453,000 | 10,866 |
1996-12-31 (YTD Data) | Rank | |
Total interest income | $11,670,000 | 2,828 |
Total interest expense | $6,090,000 | 2,519 |
Net interest income | $5,580,000 | 3,168 |
Provision for loan and lease losses | $485,000 | 1,774 |
Total noninterest income | $833,000 | 3,593 |
Gross Fiduciary activities income | $0 | 1,526 |
Service charges on deposit accounts | $514,000 | 2,654 |
Trading account gains and fees | $0 | 262 |
Additional Noninterest Income | $319,000 | 3,934 |
Total noninterest expense | $5,148,000 | 2,647 |
Salaries and employee benefits | $2,214,000 | 3,014 |
Premises and equipment expense | $937,000 | 2,129 |
Additional noninterest expense | $1,997,000 | 2,460 |
Pre-tax net operating income | $780,000 | 6,583 |
Securities gains (losses) | $62,000 | 1,204 |
Applicable income taxes | $214,000 | 6,916 |
Income before extraordinary items | $628,000 | 6,105 |
Extraordinary gains, net | $0 | 53 |
Net income | $628,000 | 6,108 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $1,417,000 | 717 |
Cash dividends | $35,000 | 7,786 |
Sale, conversion, retirement of capital stock, net | $0 | 953 |
Net operating income | $581,500 | 6,320 |
1995-12-31 (YTD Data) | Rank | |
Total interest income | $12,405,000 | 2,695 |
Total interest expense | $6,890,000 | 2,266 |
Net interest income | $5,515,000 | 3,222 |
Provision for loan and lease losses | $1,281,000 | 786 |
Total noninterest income | $832,000 | 3,588 |
Gross Fiduciary activities income | $0 | 1,590 |
Service charges on deposit accounts | $503,000 | 2,711 |
Trading account gains and fees | $0 | 522 |
Additional Noninterest Income | $329,000 | 3,778 |
Total noninterest expense | $6,057,000 | 2,246 |
Salaries and employee benefits | $2,276,000 | 2,928 |
Premises and equipment expense | $923,000 | 2,176 |
Additional noninterest expense | $2,858,000 | 1,769 |
Pre-tax net operating income | $-991,000 | 11,872 |
Securities gains (losses) | $106,000 | 928 |
Applicable income taxes | $-570,000 | 11,876 |
Income before extraordinary items | $-315,000 | 11,743 |
Extraordinary gains, net | $0 | 65 |
Net income | $-315,000 | 11,740 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $252,000 | 2,175 |
Cash dividends | $0 | 8,717 |
Sale, conversion, retirement of capital stock, net | $0 | 809 |
Net operating income | $-382,840 | 11,758 |
1994-12-31 (YTD Data) | Rank | |
Total interest income | $10,197,000 | 2,989 |
Total interest expense | $4,517,000 | 2,710 |
Net interest income | $5,680,000 | 3,153 |
Provision for loan and lease losses | $1,587,000 | 674 |
Total noninterest income | $685,000 | 4,193 |
Gross Fiduciary activities income | $0 | 1,599 |
Service charges on deposit accounts | $475,000 | 2,910 |
Trading account gains and fees | $0 | 475 |
Additional Noninterest Income | $210,000 | 5,108 |
Total noninterest expense | $4,574,000 | 3,011 |
Salaries and employee benefits | $1,883,000 | 3,467 |
Premises and equipment expense | $738,000 | 2,707 |
Additional noninterest expense | $1,953,000 | 2,632 |
Pre-tax net operating income | $204,000 | 10,865 |
Securities gains (losses) | $21,000 | 1,738 |
Applicable income taxes | $-169,000 | 12,371 |
Income before extraordinary items | $394,000 | 8,247 |
Extraordinary gains, net | $0 | 249 |
Net income | $394,000 | 8,249 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $42,000 | 5,444 |
Cash dividends | $816,000 | 2,238 |
Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
Net operating income | $373,000 | 8,479 |
1993-12-31 (YTD Data) | Rank | |
Total interest income | $8,765,000 | 3,513 |
Total interest expense | $3,786,000 | 3,325 |
Net interest income | $4,979,000 | 3,592 |
Provision for loan and lease losses | $81,000 | 6,293 |
Total noninterest income | $595,000 | 4,986 |
Gross Fiduciary activities income | $0 | 1,630 |
Service charges on deposit accounts | $394,000 | 3,487 |
Trading account gains and fees | $0 | 532 |
Additional Noninterest Income | $201,000 | 5,660 |
Total noninterest expense | $3,487,000 | 3,918 |
Salaries and employee benefits | $1,886,000 | 3,458 |
Premises and equipment expense | $462,000 | 4,150 |
Additional noninterest expense | $1,139,000 | 4,401 |
Pre-tax net operating income | $2,006,000 | 3,298 |
Securities gains (losses) | $55,000 | 3,253 |
Applicable income taxes | $687,000 | 3,176 |
Income before extraordinary items | $1,374,000 | 3,514 |
Extraordinary gains, net | $0 | 3,149 |
Net income | $1,374,000 | 3,627 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $-138,000 | 13,030 |
Cash dividends | $456,000 | 3,334 |
Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
Net operating income | $1,337,150 | 3,419 |
1992-12-31 (YTD Data) | Rank | |
Total interest income | $8,979,000 | 3,864 |
Total interest expense | $4,546,000 | 3,612 |
Net interest income | $4,433,000 | 4,053 |
Provision for loan and lease losses | $300,000 | 4,111 |
Total noninterest income | $456,000 | 6,023 |
Gross Fiduciary activities income | $0 | 1,658 |
Service charges on deposit accounts | $340,000 | 4,018 |
Trading account gains and fees | $0 | 504 |
Additional Noninterest Income | $116,000 | 7,567 |
Total noninterest expense | $3,120,000 | 4,365 |
Salaries and employee benefits | $1,562,000 | 4,068 |
Premises and equipment expense | $443,000 | 4,409 |
Additional noninterest expense | $1,115,000 | 4,634 |
Pre-tax net operating income | $1,469,000 | 4,115 |
Securities gains (losses) | $144,000 | 2,469 |
Applicable income taxes | $420,000 | 4,612 |
Income before extraordinary items | $1,193,000 | 3,831 |
Extraordinary gains, net | $0 | 1,422 |
Net income | $1,193,000 | 3,872 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $121,000 | 5,426 |
Cash dividends | $1,875,000 | 913 |
Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
Net operating income | $1,086,440 | 3,871 |
* 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.