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Citizens Bank, Income and Expense

2004-09-30 (YTD Data)Rank
Total interest income$1,429,0007,506
Total interest expense$279,0007,823
Net interest income$1,150,0007,297
Provision for loan and lease losses$07,100
Total noninterest income$239,0006,312
Gross Fiduciary activities income$01,547
Service charges on deposit accounts$199,0004,656
Trading account gains and fees$0134
Additional Noninterest Income$40,0007,356
Total noninterest expense$1,096,0006,922
Salaries and employee benefits$435,0007,687
Premises and equipment expense$120,0007,191
Additional noninterest expense$541,0005,396
Pre-tax net operating income$293,0007,244
Securities gains (losses)$03,710
Applicable income taxes$90,0005,450
Income before extraordinary items$203,0007,461
Extraordinary gains, net$026
Net income$203,0007,461
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$73,0003,265
Cash dividends$61,0004,904
Sale, conversion, retirement of capital stock, net$0738
Net operating income$203,0007,402
2004-06-30 (YTD Data)Rank
Total interest income$947,0007,555
Total interest expense$187,0007,870
Net interest income$760,0007,342
Provision for loan and lease losses$06,885
Total noninterest income$156,0006,379
Gross Fiduciary activities income$01,518
Service charges on deposit accounts$127,0004,740
Trading account gains and fees$0130
Additional Noninterest Income$29,0007,273
Total noninterest expense$717,0007,015
Salaries and employee benefits$289,0007,759
Premises and equipment expense$81,0007,205
Additional noninterest expense$347,0005,539
Pre-tax net operating income$199,0007,194
Securities gains (losses)$03,413
Applicable income taxes$56,0005,519
Income before extraordinary items$143,0007,389
Extraordinary gains, net$021
Net income$143,0007,389
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$58,0002,856
Cash dividends$40,0004,770
Sale, conversion, retirement of capital stock, net$0638
Net operating income$143,0007,318
2004-03-31 (YTD Data)Rank
Total interest income$479,0007,582
Total interest expense$93,0007,953
Net interest income$386,0007,352
Provision for loan and lease losses$06,501
Total noninterest income$76,0006,403
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$60,0004,803
Trading account gains and fees$0121
Additional Noninterest Income$16,0007,156
Total noninterest expense$373,0006,959
Salaries and employee benefits$152,0007,665
Premises and equipment expense$47,0006,927
Additional noninterest expense$174,0005,529
Pre-tax net operating income$89,0007,324
Securities gains (losses)$02,934
Applicable income taxes$26,0005,550
Income before extraordinary items$63,0007,517
Extraordinary gains, net$016
Net income$63,0007,519
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-5,0007,873
Cash dividends$20,0003,704
Sale, conversion, retirement of capital stock, net$0464
Net operating income$63,0007,449
2003-12-31 (YTD Data)Rank
Total interest income$2,054,0007,483
Total interest expense$494,0007,761
Net interest income$1,560,0007,273
Provision for loan and lease losses$66,0005,889
Total noninterest income$285,0006,693
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$232,0004,921
Trading account gains and fees$0160
Additional Noninterest Income$53,0007,480
Total noninterest expense$1,556,0006,787
Salaries and employee benefits$625,0007,596
Premises and equipment expense$225,0006,489
Additional noninterest expense$706,0005,477
Pre-tax net operating income$223,0007,746
Securities gains (losses)$04,500
Applicable income taxes$79,0005,941
Income before extraordinary items$144,0008,035
Extraordinary gains, net$054
Net income$144,0008,038
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$71,0004,591
Cash dividends$80,0005,694
Sale, conversion, retirement of capital stock, net$0868
Net operating income$144,0007,911
2003-09-30 (YTD Data)Rank
Total interest income$1,546,0007,561
Total interest expense$394,0007,800
Net interest income$1,152,0007,368
Provision for loan and lease losses$33,0006,333
Total noninterest income$203,0006,837
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$166,0005,065
Trading account gains and fees$0153
Additional Noninterest Income$37,0007,602
Total noninterest expense$1,197,0006,711
Salaries and employee benefits$489,0007,445
Premises and equipment expense$143,0006,912
Additional noninterest expense$565,0005,219
Pre-tax net operating income$125,0008,101
Securities gains (losses)$04,204
Applicable income taxes$45,0006,297
Income before extraordinary items$80,0008,347
Extraordinary gains, net$040
Net income$80,0008,349
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$61,0003,953
Cash dividends$40,0005,193
Sale, conversion, retirement of capital stock, net$0722
Net operating income$80,0008,231
2003-06-30 (YTD Data)Rank
Total interest income$1,008,0007,669
Total interest expense$279,0007,801
Net interest income$729,0007,501
Provision for loan and lease losses$07,324
Total noninterest income$122,0007,028
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$103,0005,211
Trading account gains and fees$0150
Additional Noninterest Income$19,0007,898
Total noninterest expense$699,0007,095
Salaries and employee benefits$330,0007,435
Premises and equipment expense$93,0006,939
Additional noninterest expense$276,0006,233
Pre-tax net operating income$152,0007,588
Securities gains (losses)$03,782
Applicable income taxes$54,0005,837
Income before extraordinary items$98,0007,979
Extraordinary gains, net$030
Net income$98,0007,980
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$17,0004,788
Cash dividends$20,0005,048
Sale, conversion, retirement of capital stock, net$0589
Net operating income$98,0007,809
2003-03-31 (YTD Data)Rank
Total interest income$513,0007,680
Total interest expense$149,0007,778
Net interest income$364,0007,513
Provision for loan and lease losses$06,934
Total noninterest income$59,0007,051
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$49,0005,240
Trading account gains and fees$0134
Additional Noninterest Income$10,0007,893
Total noninterest expense$356,0007,074
Salaries and employee benefits$167,0007,447
Premises and equipment expense$47,0006,953
Additional noninterest expense$142,0006,123
Pre-tax net operating income$67,0007,718
Securities gains (losses)$02,891
Applicable income taxes$23,0005,966
Income before extraordinary items$44,0008,014
Extraordinary gains, net$021
Net income$44,0008,013
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$12,0003,762
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$0419
Net operating income$44,0007,863
2002-12-31 (YTD Data)Rank
Total interest income$537,0009,152
Total interest expense$162,0009,121
Net interest income$375,0009,115
Provision for loan and lease losses$08,089
Total noninterest income$75,0008,691
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$60,0007,347
Trading account gains and fees$0153
Additional Noninterest Income$15,0008,719
Total noninterest expense$338,0009,207
Salaries and employee benefits$153,0009,233
Premises and equipment expense$51,0008,885
Additional noninterest expense$134,0008,987
Pre-tax net operating income$112,0008,271
Securities gains (losses)$04,537
Applicable income taxes$39,0006,703
Income before extraordinary items$73,0008,453
Extraordinary gains, net$070
Net income$73,0008,453
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$32,0005,834
Cash dividends$20,0006,210
Sale, conversion, retirement of capital stock, net$0862
Net operating income$73,0008,363
2001-12-31 (YTD Data)Rank
Total interest income$2,798,0007,455
Total interest expense$1,269,0007,461
Net interest income$1,529,0007,275
Provision for loan and lease losses$08,228
Total noninterest income$289,0006,517
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$252,0004,625
Trading account gains and fees$0177
Additional Noninterest Income$37,0008,124
Total noninterest expense$1,432,0006,948
Salaries and employee benefits$750,0006,978
Premises and equipment expense$217,0006,533
Additional noninterest expense$465,0006,680
Pre-tax net operating income$386,0007,040
Securities gains (losses)$04,612
Applicable income taxes$119,0005,780
Income before extraordinary items$267,0007,332
Extraordinary gains, net$0105
Net income$267,0007,334
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$52,0005,093
Cash dividends$167,0005,214
Sale, conversion, retirement of capital stock, net$0922
Net operating income$267,0007,215
2000-12-31 (YTD Data)Rank
Total interest income$3,000,0007,412
Total interest expense$1,335,0007,495
Net interest income$1,665,0007,179
Provision for loan and lease losses$08,337
Total noninterest income$257,0006,699
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$233,0004,711
Trading account gains and feesNANA
Additional Noninterest Income$24,0008,801
Total noninterest expense$1,441,0006,896
Salaries and employee benefits$734,0007,038
Premises and equipment expense$182,0007,052
Additional noninterest expense$525,0006,244
Pre-tax net operating income$481,0007,086
Securities gains (losses)$01,956
Applicable income taxes$147,0005,956
Income before extraordinary items$334,0007,266
Extraordinary gains, net$038
Net income$334,0007,264
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$57,0004,534
Cash dividends$60,0006,304
Sale, conversion, retirement of capital stock, net$0969
Net operating income$334,0007,262
1999-12-31 (YTD Data)Rank
Total interest income$2,924,0007,467
Total interest expense$1,272,0007,468
Net interest income$1,652,0007,282
Provision for loan and lease losses$563,0001,605
Total noninterest income$282,0006,600
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$229,0004,748
Trading account gains and feesNANA
Additional Noninterest Income$53,0007,953
Total noninterest expense$1,255,0007,414
Salaries and employee benefits$582,0007,851
Premises and equipment expense$164,0007,413
Additional noninterest expense$509,0006,447
Pre-tax net operating income$116,0008,995
Securities gains (losses)$03,155
Applicable income taxes$33,0007,937
Income before extraordinary items$83,0009,078
Extraordinary gains, net$035
Net income$83,0009,076
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$90,0003,769
Cash dividends$140,0005,736
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$83,0009,048
1998-12-31 (YTD Data)Rank
Total interest income$2,842,0007,713
Total interest expense$1,290,0007,700
Net interest income$1,552,0007,570
Provision for loan and lease losses$82,0005,540
Total noninterest income$218,0007,358
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$191,0005,272
Trading account gains and feesNANA
Additional Noninterest Income$27,0009,156
Total noninterest expense$1,275,0007,334
Salaries and employee benefits$570,0007,924
Premises and equipment expense$164,0007,353
Additional noninterest expense$541,0006,161
Pre-tax net operating income$413,0007,807
Securities gains (losses)$04,449
Applicable income taxes$132,0007,080
Income before extraordinary items$281,0008,032
Extraordinary gains, net$032
Net income$281,0008,031
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$23,0006,135
Cash dividends$55,0006,817
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$281,0007,956
1997-12-31 (YTD Data)Rank
Total interest income$2,383,0008,539
Total interest expense$963,0008,796
Net interest income$1,420,0008,187
Provision for loan and lease losses$38,0007,082
Total noninterest income$164,0008,379
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$143,0006,289
Trading account gains and feesNANA
Additional Noninterest Income$21,0009,798
Total noninterest expense$980,0008,416
Salaries and employee benefits$504,0008,576
Premises and equipment expense$139,0008,048
Additional noninterest expense$337,0007,933
Pre-tax net operating income$566,0007,576
Securities gains (losses)$03,944
Applicable income taxes$195,0006,948
Income before extraordinary items$371,0007,842
Extraordinary gains, net$044
Net income$371,0007,845
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$4,0007,963
Cash dividends$62,0007,014
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$371,0007,789
1996-12-31 (YTD Data)Rank
Total interest income$2,011,0009,358
Total interest expense$835,0009,530
Net interest income$1,176,0009,082
Provision for loan and lease losses$28,0007,549
Total noninterest income$156,0008,920
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$137,0006,712
Trading account gains and feesNANA
Additional Noninterest Income$19,00010,461
Total noninterest expense$729,0009,707
Salaries and employee benefits$387,0009,698
Premises and equipment expense$89,0009,582
Additional noninterest expense$253,0009,368
Pre-tax net operating income$575,0007,544
Securities gains (losses)$04,148
Applicable income taxes$188,0007,318
Income before extraordinary items$387,0007,737
Extraordinary gains, net$053
Net income$387,0007,734
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$9,0007,597
Cash dividends$140,0006,159
Sale, conversion, retirement of capital stock, net$0953
Net operating income$387,0007,679
1995-12-31 (YTD Data)Rank
Total interest income$1,756,00010,075
Total interest expense$768,00010,059
Net interest income$988,0009,975
Provision for loan and lease losses$24,0007,406
Total noninterest income$127,0009,711
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$104,0007,690
Trading account gains and feesNANA
Additional Noninterest Income$23,00010,706
Total noninterest expense$689,00010,231
Salaries and employee benefits$309,00010,667
Premises and equipment expense$95,0009,761
Additional noninterest expense$285,0009,409
Pre-tax net operating income$402,0009,055
Securities gains (losses)$03,831
Applicable income taxes$108,0009,021
Income before extraordinary items$294,0009,006
Extraordinary gains, net$065
Net income$294,0009,011
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,0008,320
Cash dividends$140,0006,201
Sale, conversion, retirement of capital stock, net$0809
Net operating income$294,0008,968
1994-12-31 (YTD Data)Rank
Total interest income$1,586,00010,558
Total interest expense$594,00010,631
Net interest income$992,00010,416
Provision for loan and lease losses$1,0009,105
Total noninterest income$121,00010,271
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$97,0008,172
Trading account gains and feesNANA
Additional Noninterest Income$24,00011,176
Total noninterest expense$697,00010,716
Salaries and employee benefits$353,00010,701
Premises and equipment expense$84,00010,524
Additional noninterest expense$260,00010,401
Pre-tax net operating income$415,0009,248
Securities gains (losses)$03,600
Applicable income taxes$128,0008,751
Income before extraordinary items$287,0009,286
Extraordinary gains, net$0249
Net income$287,0009,294
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,0008,704
Cash dividends$180,0005,708
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$287,0009,345
1993-12-31 (YTD Data)Rank
Total interest income$1,657,00010,896
Total interest expense$622,00011,014
Net interest income$1,035,00010,658
Provision for loan and lease losses$13,0009,510
Total noninterest income$114,00010,983
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$94,0008,554
Trading account gains and feesNANA
Additional Noninterest Income$20,00012,038
Total noninterest expense$738,00010,976
Salaries and employee benefits$385,00010,792
Premises and equipment expense$62,00011,775
Additional noninterest expense$291,00010,559
Pre-tax net operating income$398,0009,427
Securities gains (losses)$07,477
Applicable income taxes$107,0009,575
Income before extraordinary items$291,0009,597
Extraordinary gains, net$03,149
Net income$291,0009,738
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$13,0008,297
Cash dividends$120,0006,522
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$291,0009,323
1992-12-31 (YTD Data)Rank
Total interest income$1,942,00011,010
Total interest expense$872,00010,990
Net interest income$1,070,00010,817
Provision for loan and lease losses$-10,00013,474
Total noninterest income$117,00011,273
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$83,0009,060
Trading account gains and feesNANA
Additional Noninterest Income$34,00011,488
Total noninterest expense$760,00011,206
Salaries and employee benefits$396,00010,905
Premises and equipment expense$61,00012,225
Additional noninterest expense$303,00010,782
Pre-tax net operating income$437,0008,912
Securities gains (losses)$08,369
Applicable income taxes$118,0009,428
Income before extraordinary items$319,0009,058
Extraordinary gains, net$01,422
Net income$319,0009,200
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-10,00012,801
Cash dividends$130,0006,040
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$319,0008,691

* 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.