Home > Citizens Bank > Income and Expense
Citizens Bank, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,444,000 | 5,277 |
| Total interest expense | $2,340,000 | 5,434 |
| Net interest income | $3,104,000 | 5,029 |
| Provision for loan and lease losses | $230,000 | 3,261 |
| Total noninterest income | $826,000 | 3,541 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $376,000 | 3,374 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $450,000 | 3,161 |
| Total noninterest expense | $2,186,000 | 5,347 |
| Salaries and employee benefits | $1,179,000 | 5,227 |
| Premises and equipment expense | $243,000 | 6,141 |
| Additional noninterest expense | $764,000 | 4,955 |
| Pre-tax net operating income | $1,514,000 | 4,064 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $75,000 | 7,256 |
| Income before extraordinary items | $1,439,000 | 3,349 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,439,000 | 3,349 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 3,793 |
| Cash dividends | $1,052,000 | 2,162 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,439,000 | 3,310 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,188,000 | 5,532 |
| Total interest expense | $2,450,000 | 5,436 |
| Net interest income | $2,738,000 | 5,500 |
| Provision for loan and lease losses | $60,000 | 6,123 |
| Total noninterest income | $702,000 | 3,978 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $278,000 | 4,169 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $424,000 | 3,306 |
| Total noninterest expense | $2,013,000 | 5,574 |
| Salaries and employee benefits | $1,092,000 | 5,433 |
| Premises and equipment expense | $216,000 | 6,493 |
| Additional noninterest expense | $705,000 | 5,137 |
| Pre-tax net operating income | $1,367,000 | 4,461 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $59,000 | 8,181 |
| Income before extraordinary items | $1,308,000 | 3,671 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,308,000 | 3,669 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $279,000 | 1,967 |
| Cash dividends | $513,000 | 3,446 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,308,000 | 3,578 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,844,000 | 5,922 |
| Total interest expense | $2,224,000 | 5,835 |
| Net interest income | $2,620,000 | 5,861 |
| Provision for loan and lease losses | $386,000 | 2,159 |
| Total noninterest income | $695,000 | 3,988 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $245,000 | 4,720 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $450,000 | 3,041 |
| Total noninterest expense | $1,875,000 | 5,912 |
| Salaries and employee benefits | $1,094,000 | 5,502 |
| Premises and equipment expense | $91,000 | 9,188 |
| Additional noninterest expense | $690,000 | 5,279 |
| Pre-tax net operating income | $1,054,000 | 5,670 |
| Securities gains (losses) | $46,000 | 1,392 |
| Applicable income taxes | $330,000 | 5,468 |
| Income before extraordinary items | $770,000 | 5,583 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $770,000 | 5,585 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $359,000 | 1,733 |
| Cash dividends | $835,000 | 2,492 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $737,800 | 5,691 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,620,000 | 6,270 |
| Total interest expense | $2,048,000 | 6,323 |
| Net interest income | $2,572,000 | 6,074 |
| Provision for loan and lease losses | $505,000 | 1,719 |
| Total noninterest income | $639,000 | 4,372 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $224,000 | 5,177 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $415,000 | 3,335 |
| Total noninterest expense | $1,799,000 | 6,389 |
| Salaries and employee benefits | $921,000 | 6,363 |
| Premises and equipment expense | $73,000 | 9,997 |
| Additional noninterest expense | $805,000 | 5,174 |
| Pre-tax net operating income | $907,000 | 6,064 |
| Securities gains (losses) | $93,000 | 991 |
| Applicable income taxes | $351,000 | 5,316 |
| Income before extraordinary items | $649,000 | 5,993 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $649,000 | 5,994 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 6,429 |
| Cash dividends | $1,575,000 | 1,529 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $588,550 | 6,273 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,564,000 | 6,392 |
| Total interest expense | $1,991,000 | 6,482 |
| Net interest income | $2,573,000 | 6,175 |
| Provision for loan and lease losses | $66,000 | 5,523 |
| Total noninterest income | $559,000 | 4,814 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $204,000 | 5,615 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $355,000 | 3,572 |
| Total noninterest expense | $1,549,000 | 7,120 |
| Salaries and employee benefits | $831,000 | 6,946 |
| Premises and equipment expense | $180,000 | 7,598 |
| Additional noninterest expense | $538,000 | 6,964 |
| Pre-tax net operating income | $1,517,000 | 4,417 |
| Securities gains (losses) | $42,000 | 1,423 |
| Applicable income taxes | $560,000 | 3,844 |
| Income before extraordinary items | $999,000 | 4,641 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $999,000 | 4,640 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 8,036 |
| Cash dividends | $522,000 | 3,227 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $972,120 | 4,686 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,845,000 | 6,892 |
| Total interest expense | $1,576,000 | 6,664 |
| Net interest income | $2,269,000 | 6,926 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $501,000 | 5,291 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $196,000 | 5,940 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $305,000 | 4,043 |
| Total noninterest expense | $1,530,000 | 7,508 |
| Salaries and employee benefits | $791,000 | 7,253 |
| Premises and equipment expense | $101,000 | 9,993 |
| Additional noninterest expense | $638,000 | 6,751 |
| Pre-tax net operating income | $1,240,000 | 5,115 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $423,000 | 4,568 |
| Income before extraordinary items | $817,000 | 5,282 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $817,000 | 5,292 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 10,519 |
| Cash dividends | $392,000 | 3,820 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $817,000 | 5,338 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,623,000 | 7,371 |
| Total interest expense | $1,538,000 | 7,082 |
| Net interest income | $2,085,000 | 7,448 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $541,000 | 5,312 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $204,000 | 5,900 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $337,000 | 4,198 |
| Total noninterest expense | $1,511,000 | 7,797 |
| Salaries and employee benefits | $768,000 | 7,508 |
| Premises and equipment expense | $88,000 | 10,858 |
| Additional noninterest expense | $655,000 | 6,904 |
| Pre-tax net operating income | $1,115,000 | 5,469 |
| Securities gains (losses) | $-18,000 | 12,905 |
| Applicable income taxes | $354,000 | 5,450 |
| Income before extraordinary items | $743,000 | 5,864 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $743,000 | 6,016 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-36,000 | 12,473 |
| Cash dividends | $243,000 | 4,956 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $755,240 | 5,557 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,890,000 | 7,652 |
| Total interest expense | $2,008,000 | 7,091 |
| Net interest income | $1,882,000 | 8,098 |
| Provision for loan and lease losses | $-1,000 | 13,418 |
| Total noninterest income | $402,000 | 6,520 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $183,000 | 6,326 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $219,000 | 5,372 |
| Total noninterest expense | $1,510,000 | 7,873 |
| Salaries and employee benefits | $757,000 | 7,563 |
| Premises and equipment expense | $136,000 | 9,504 |
| Additional noninterest expense | $617,000 | 7,358 |
| Pre-tax net operating income | $775,000 | 6,682 |
| Securities gains (losses) | $92,000 | 3,137 |
| Applicable income taxes | $272,000 | 6,338 |
| Income before extraordinary items | $595,000 | 6,615 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $595,000 | 6,694 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-48,000 | 13,463 |
| Cash dividends | $548,000 | 2,593 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $531,520 | 6,699 |
* 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.