Home > Citizens Bank > Income and Expense
Citizens Bank, Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,952,000 | 5,238 |
| Total interest expense | $2,717,000 | 5,200 |
| Net interest income | $3,235,000 | 5,185 |
| Provision for loan and lease losses | $208,000 | 2,930 |
| Total noninterest income | $610,000 | 4,509 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $504,000 | 2,705 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $106,000 | 7,051 |
| Total noninterest expense | $1,804,000 | 6,446 |
| Salaries and employee benefits | $972,000 | 6,204 |
| Premises and equipment expense | $234,000 | 6,603 |
| Additional noninterest expense | $598,000 | 6,552 |
| Pre-tax net operating income | $1,833,000 | 3,783 |
| Securities gains (losses) | $9,000 | 2,462 |
| Applicable income taxes | $660,000 | 3,399 |
| Income before extraordinary items | $1,182,000 | 4,008 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,182,000 | 4,005 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 4,590 |
| Cash dividends | $1,000,000 | 2,009 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,176,240 | 4,000 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,585,000 | 6,062 |
| Total interest expense | $1,618,000 | 6,559 |
| Net interest income | $2,967,000 | 5,653 |
| Provision for loan and lease losses | $60,000 | 5,594 |
| Total noninterest income | $470,000 | 5,510 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $369,000 | 3,661 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $101,000 | 7,482 |
| Total noninterest expense | $1,651,000 | 7,131 |
| Salaries and employee benefits | $870,000 | 6,815 |
| Premises and equipment expense | $203,000 | 7,369 |
| Additional noninterest expense | $578,000 | 7,193 |
| Pre-tax net operating income | $1,726,000 | 3,911 |
| Securities gains (losses) | $4,000 | 2,755 |
| Applicable income taxes | $541,000 | 3,815 |
| Income before extraordinary items | $1,189,000 | 3,889 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,189,000 | 3,894 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,622 |
| Cash dividends | $100,000 | 6,840 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,186,240 | 3,934 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,057,000 | 6,813 |
| Total interest expense | $1,377,000 | 7,626 |
| Net interest income | $2,680,000 | 6,200 |
| Provision for loan and lease losses | $60,000 | 6,949 |
| Total noninterest income | $432,000 | 6,160 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $340,000 | 3,986 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $92,000 | 8,143 |
| Total noninterest expense | $1,347,000 | 8,346 |
| Salaries and employee benefits | $716,000 | 7,899 |
| Premises and equipment expense | $168,000 | 8,425 |
| Additional noninterest expense | $463,000 | 8,583 |
| Pre-tax net operating income | $1,705,000 | 3,874 |
| Securities gains (losses) | $-6,000 | 12,616 |
| Applicable income taxes | $533,000 | 3,960 |
| Income before extraordinary items | $1,166,000 | 4,127 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,166,000 | 4,242 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 8,052 |
| Cash dividends | $300,000 | 4,359 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,170,140 | 3,911 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,179,000 | 7,275 |
| Total interest expense | $1,731,000 | 7,815 |
| Net interest income | $2,448,000 | 6,695 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $385,000 | 6,687 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $287,000 | 4,607 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $98,000 | 8,137 |
| Total noninterest expense | $1,389,000 | 8,343 |
| Salaries and employee benefits | $676,000 | 8,174 |
| Premises and equipment expense | $166,000 | 8,671 |
| Additional noninterest expense | $547,000 | 8,017 |
| Pre-tax net operating income | $1,444,000 | 4,183 |
| Securities gains (losses) | $47,000 | 4,236 |
| Applicable income taxes | $424,000 | 4,586 |
| Income before extraordinary items | $1,067,000 | 4,257 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,067,000 | 4,299 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 12,970 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,033,160 | 4,052 |
* 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.