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Citizens Bank, Income and Expense

2004-06-30 (YTD Data)		Rank
Total interest income	$1,131,000	7,181
Total interest expense	$255,000	7,352
Net interest income	$876,000	7,008
Provision for loan and lease losses	$0	6,885
Total noninterest income	$66,000	7,857
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$49,000	6,572
Trading account gains and fees	$0	130
Additional Noninterest Income	$17,000	7,905
Total noninterest expense	$665,000	7,231
Salaries and employee benefits	$338,000	7,382
Premises and equipment expense	$24,000	8,676
Additional noninterest expense	$303,000	5,952
Pre-tax net operating income	$277,000	6,655
Securities gains (losses)	$0	3,413
Applicable income taxes	$0	7,214
Income before extraordinary items	$277,000	6,223
Extraordinary gains, net	$0	21
Net income	$277,000	6,224
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,017
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$277,000	6,140
2004-03-31 (YTD Data)		Rank
Total interest income	$568,000	7,214
Total interest expense	$134,000	7,289
Net interest income	$434,000	7,073
Provision for loan and lease losses	$0	6,501
Total noninterest income	$32,000	7,893
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$24,000	6,539
Trading account gains and fees	$0	121
Additional Noninterest Income	$8,000	7,967
Total noninterest expense	$349,000	7,125
Salaries and employee benefits	$180,000	7,262
Premises and equipment expense	$14,000	8,600
Additional noninterest expense	$155,000	5,907
Pre-tax net operating income	$117,000	6,895
Securities gains (losses)	$0	2,934
Applicable income taxes	$0	7,103
Income before extraordinary items	$117,000	6,569
Extraordinary gains, net	$0	16
Net income	$117,000	6,568
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,097
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$117,000	6,453
2003-12-31 (YTD Data)		Rank
Total interest income	$2,317,000	7,236
Total interest expense	$613,000	7,352
Net interest income	$1,704,000	7,052
Provision for loan and lease losses	$-40,000	8,968
Total noninterest income	$143,000	7,882
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$108,000	6,432
Trading account gains and fees	$0	160
Additional Noninterest Income	$35,000	7,968
Total noninterest expense	$1,327,000	7,216
Salaries and employee benefits	$1,005,000	6,248
Premises and equipment expense	$99,000	8,079
Additional noninterest expense	$223,000	8,284
Pre-tax net operating income	$560,000	6,477
Securities gains (losses)	$0	4,500
Applicable income taxes	$0	7,459
Income before extraordinary items	$560,000	6,096
Extraordinary gains, net	$0	54
Net income	$560,000	6,100
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-73,000	8,997
Cash dividends	$300,000	4,343
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$560,000	5,942
2003-09-30 (YTD Data)		Rank
Total interest income	$1,743,000	7,311
Total interest expense	$466,000	7,470
Net interest income	$1,277,000	7,095
Provision for loan and lease losses	$-40,000	9,082
Total noninterest income	$110,000	7,899
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$82,000	6,466
Trading account gains and fees	$0	153
Additional Noninterest Income	$28,000	7,919
Total noninterest expense	$944,000	7,336
Salaries and employee benefits	$474,000	7,523
Premises and equipment expense	$43,000	8,690
Additional noninterest expense	$427,000	6,152
Pre-tax net operating income	$483,000	6,355
Securities gains (losses)	$0	4,204
Applicable income taxes	$0	7,524
Income before extraordinary items	$483,000	5,939
Extraordinary gains, net	$0	40
Net income	$483,000	5,940
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-73,000	9,032
Cash dividends	$200,000	4,010
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$483,000	5,771
2003-06-30 (YTD Data)		Rank
Total interest income	$1,174,000	7,345
Total interest expense	$319,000	7,523
Net interest income	$855,000	7,099
Provision for loan and lease losses	$-40,000	9,148
Total noninterest income	$76,000	7,845
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$54,000	6,457
Trading account gains and fees	$0	150
Additional Noninterest Income	$22,000	7,723
Total noninterest expense	$610,000	7,443
Salaries and employee benefits	$308,000	7,626
Premises and equipment expense	$30,000	8,671
Additional noninterest expense	$272,000	6,275
Pre-tax net operating income	$361,000	6,099
Securities gains (losses)	$0	3,782
Applicable income taxes	$0	7,529
Income before extraordinary items	$361,000	5,656
Extraordinary gains, net	$0	30
Net income	$361,000	5,654
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-65,000	9,048
Cash dividends	$100,000	4,223
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$361,000	5,449
2003-03-31 (YTD Data)		Rank
Total interest income	$590,000	7,362
Total interest expense	$161,000	7,609
Net interest income	$429,000	7,089
Provision for loan and lease losses	$25,000	4,925
Total noninterest income	$37,000	7,862
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$26,000	6,492
Trading account gains and fees	$0	134
Additional Noninterest Income	$11,000	7,783
Total noninterest expense	$312,000	7,421
Salaries and employee benefits	$168,000	7,426
Premises and equipment expense	$11,000	8,922
Additional noninterest expense	$133,000	6,350
Pre-tax net operating income	$129,000	6,771
Securities gains (losses)	$0	2,891
Applicable income taxes	$0	7,403
Income before extraordinary items	$129,000	6,386
Extraordinary gains, net	$0	21
Net income	$129,000	6,385
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,539
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$129,000	6,205
2002-12-31 (YTD Data)		Rank
Total interest income	$2,566,000	7,293
Total interest expense	$794,000	7,534
Net interest income	$1,772,000	7,007
Provision for loan and lease losses	$100,000	5,681
Total noninterest income	$269,000	6,703
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$111,000	6,388
Trading account gains and fees	$0	153
Additional Noninterest Income	$158,000	5,490
Total noninterest expense	$1,236,000	7,396
Salaries and employee benefits	$911,000	6,477
Premises and equipment expense	$99,000	8,178
Additional noninterest expense	$226,000	8,366
Pre-tax net operating income	$705,000	6,058
Securities gains (losses)	$0	4,537
Applicable income taxes	$0	7,681
Income before extraordinary items	$705,000	5,542
Extraordinary gains, net	$0	70
Net income	$705,000	5,541
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$85,000	4,432
Cash dividends	$600,000	3,138
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$705,000	5,400
2001-12-31 (YTD Data)		Rank
Total interest income	$3,331,000	6,908
Total interest expense	$1,539,000	6,902
Net interest income	$1,792,000	6,800
Provision for loan and lease losses	$0	8,228
Total noninterest income	$206,000	7,252
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$131,000	6,066
Trading account gains and fees	$0	177
Additional Noninterest Income	$75,000	7,000
Total noninterest expense	$1,242,000	7,348
Salaries and employee benefits	$943,000	6,195
Premises and equipment expense	$124,000	7,941
Additional noninterest expense	$175,000	8,858
Pre-tax net operating income	$756,000	5,634
Securities gains (losses)	$0	4,612
Applicable income taxes	$0	7,903
Income before extraordinary items	$756,000	5,031
Extraordinary gains, net	$0	105
Net income	$756,000	5,035
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	7,344
Cash dividends	$650,000	2,984
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$756,000	4,919
2000-12-31 (YTD Data)		Rank
Total interest income	$3,876,000	6,584
Total interest expense	$1,779,000	6,632
Net interest income	$2,097,000	6,429
Provision for loan and lease losses	$88,000	5,585
Total noninterest income	$230,000	6,981
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$136,000	5,964
Trading account gains and fees	NA	NA
Additional Noninterest Income	$94,000	6,569
Total noninterest expense	$1,330,000	7,169
Salaries and employee benefits	$944,000	6,148
Premises and equipment expense	$162,000	7,372
Additional noninterest expense	$224,000	8,572
Pre-tax net operating income	$909,000	5,515
Securities gains (losses)	$0	1,956
Applicable income taxes	$0	8,362
Income before extraordinary items	$909,000	4,649
Extraordinary gains, net	$0	38
Net income	$909,000	4,648
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$88,000	3,790
Cash dividends	$800,000	2,651
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$909,000	4,649
1999-12-31 (YTD Data)		Rank
Total interest income	$3,594,000	6,730
Total interest expense	$1,568,000	6,801
Net interest income	$2,026,000	6,594
Provision for loan and lease losses	$15,000	7,855
Total noninterest income	$185,000	7,664
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$110,000	6,532
Trading account gains and fees	NA	NA
Additional Noninterest Income	$75,000	7,287
Total noninterest expense	$1,342,000	7,192
Salaries and employee benefits	$926,000	6,197
Premises and equipment expense	$158,000	7,534
Additional noninterest expense	$258,000	8,481
Pre-tax net operating income	$854,000	5,744
Securities gains (losses)	$0	3,155
Applicable income taxes	$0	8,765
Income before extraordinary items	$854,000	4,891
Extraordinary gains, net	$0	35
Net income	$854,000	4,891
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	6,803
Cash dividends	$700,000	2,895
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$854,000	4,850
1998-12-31 (YTD Data)		Rank
Total interest income	$3,528,000	6,918
Total interest expense	$1,624,000	6,927
Net interest income	$1,904,000	6,846
Provision for loan and lease losses	$20,000	7,729
Total noninterest income	$263,000	6,851
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$115,000	6,563
Trading account gains and fees	NA	NA
Additional Noninterest Income	$148,000	5,717
Total noninterest expense	$1,267,000	7,362
Salaries and employee benefits	$868,000	6,363
Premises and equipment expense	$80,000	9,140
Additional noninterest expense	$319,000	7,939
Pre-tax net operating income	$880,000	5,808
Securities gains (losses)	$0	4,449
Applicable income taxes	$4,000	9,224
Income before extraordinary items	$876,000	4,917
Extraordinary gains, net	$0	32
Net income	$876,000	4,917
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$22,000	6,193
Cash dividends	$700,000	2,837
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$876,000	4,829
1997-12-31 (YTD Data)		Rank
Total interest income	$3,383,000	7,309
Total interest expense	$1,465,000	7,429
Net interest income	$1,918,000	7,084
Provision for loan and lease losses	$38,000	7,082
Total noninterest income	$162,000	8,402
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$121,000	6,738
Trading account gains and fees	NA	NA
Additional Noninterest Income	$41,000	8,825
Total noninterest expense	$1,204,000	7,662
Salaries and employee benefits	$802,000	6,767
Premises and equipment expense	$77,000	9,513
Additional noninterest expense	$325,000	8,074
Pre-tax net operating income	$838,000	6,377
Securities gains (losses)	$0	3,944
Applicable income taxes	$55,000	9,178
Income before extraordinary items	$783,000	5,529
Extraordinary gains, net	$0	44
Net income	$783,000	5,531
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$49,000	5,177
Cash dividends	$700,000	2,776
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$783,000	5,481
1996-12-31 (YTD Data)		Rank
Total interest income	$3,158,000	7,799
Total interest expense	$1,303,000	8,100
Net interest income	$1,855,000	7,458
Provision for loan and lease losses	$94,000	5,274
Total noninterest income	$150,000	9,008
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$122,000	7,023
Trading account gains and fees	NA	NA
Additional Noninterest Income	$28,000	9,949
Total noninterest expense	$1,147,000	8,171
Salaries and employee benefits	$854,000	6,684
Premises and equipment expense	$79,000	9,841
Additional noninterest expense	$214,000	9,774
Pre-tax net operating income	$764,000	6,644
Securities gains (losses)	$0	4,148
Applicable income taxes	$270,000	6,178
Income before extraordinary items	$494,000	6,941
Extraordinary gains, net	$0	53
Net income	$494,000	6,945
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$95,000	4,035
Cash dividends	$400,000	3,860
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$494,000	6,880
1995-12-31 (YTD Data)		Rank
Total interest income	$3,077,000	8,087
Total interest expense	$1,220,000	8,529
Net interest income	$1,857,000	7,632
Provision for loan and lease losses	$75,000	5,235
Total noninterest income	$162,000	9,105
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$126,000	7,185
Trading account gains and fees	NA	NA
Additional Noninterest Income	$36,000	9,923
Total noninterest expense	$1,198,000	8,216
Salaries and employee benefits	$854,000	6,798
Premises and equipment expense	$84,000	10,095
Additional noninterest expense	$260,000	9,723
Pre-tax net operating income	$746,000	7,085
Securities gains (losses)	$-3,000	9,402
Applicable income taxes	$257,000	6,541
Income before extraordinary items	$486,000	7,354
Extraordinary gains, net	$0	65
Net income	$486,000	7,355
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$95,000	3,878
Cash dividends	$350,000	4,167
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$487,950	7,310
1994-12-31 (YTD Data)		Rank
Total interest income	$2,856,000	8,306
Total interest expense	$919,000	9,043
Net interest income	$1,937,000	7,713
Provision for loan and lease losses	$-124,000	12,220
Total noninterest income	$182,000	9,061
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$131,000	7,336
Trading account gains and fees	NA	NA
Additional Noninterest Income	$51,000	9,565
Total noninterest expense	$1,253,000	8,405
Salaries and employee benefits	$921,000	6,506
Premises and equipment expense	$78,000	10,708
Additional noninterest expense	$254,000	10,478
Pre-tax net operating income	$990,000	6,002
Securities gains (losses)	$-40,000	10,871
Applicable income taxes	$337,000	5,424
Income before extraordinary items	$613,000	6,439
Extraordinary gains, net	$0	249
Net income	$613,000	6,458
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-124,000	12,291
Cash dividends	$400,000	3,689
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$639,000	6,356
1993-12-31 (YTD Data)		Rank
Total interest income	$2,980,000	8,369
Total interest expense	$848,000	9,797
Net interest income	$2,132,000	7,353
Provision for loan and lease losses	$195,000	3,979
Total noninterest income	$194,000	9,338
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$148,000	7,140
Trading account gains and fees	NA	NA
Additional Noninterest Income	$46,000	10,323
Total noninterest expense	$1,270,000	8,618
Salaries and employee benefits	$884,000	6,809
Premises and equipment expense	$57,000	11,958
Additional noninterest expense	$329,000	10,090
Pre-tax net operating income	$861,000	6,512
Securities gains (losses)	$0	7,477
Applicable income taxes	$304,000	6,031
Income before extraordinary items	$557,000	7,104
Extraordinary gains, net	$0	3,149
Net income	$557,000	7,270
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$145,000	3,754
Cash dividends	$500,000	3,045
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$557,000	6,842
1992-12-31 (YTD Data)		Rank
Total interest income	$3,115,000	8,774
Total interest expense	$1,096,000	9,997
Net interest income	$2,019,000	7,696
Provision for loan and lease losses	$168,000	5,780
Total noninterest income	$191,000	9,589
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$163,000	6,783
Trading account gains and fees	NA	NA
Additional Noninterest Income	$28,000	11,929
Total noninterest expense	$1,187,000	9,101
Salaries and employee benefits	$833,000	7,041
Premises and equipment expense	$59,000	12,326
Additional noninterest expense	$295,000	10,894
Pre-tax net operating income	$855,000	6,314
Securities gains (losses)	$0	8,369
Applicable income taxes	$298,000	5,950
Income before extraordinary items	$557,000	6,871
Extraordinary gains, net	$0	1,422
Net income	$557,000	6,957
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$168,000	4,614
Cash dividends	$500,000	2,760
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$557,000	6,509

* 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.