Home > Citizens Bank > Income and Expense
Citizens Bank, Income and Expense
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $17,286,000 | 1,792 |
| Total interest expense | $4,844,000 | 2,313 |
| Net interest income | $12,442,000 | 1,558 |
| Provision for loan and lease losses | $705,000 | 1,817 |
| Total noninterest income | $2,388,000 | 1,856 |
| Gross Fiduciary activities income | $1,000 | 1,652 |
| Service charges on deposit accounts | $1,541,000 | 1,046 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $846,000 | 2,422 |
| Total noninterest expense | $7,849,000 | 1,921 |
| Salaries and employee benefits | $4,586,000 | 1,743 |
| Premises and equipment expense | $928,000 | 2,339 |
| Additional noninterest expense | $2,335,000 | 1,984 |
| Pre-tax net operating income | $6,276,000 | 1,339 |
| Securities gains (losses) | $108,000 | 1,668 |
| Applicable income taxes | $2,123,000 | 1,223 |
| Income before extraordinary items | $4,261,000 | 1,461 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $4,261,000 | 1,458 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $911,000 | 1,056 |
| Cash dividends | $3,360,000 | 846 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $4,188,640 | 1,433 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $18,581,000 | 1,846 |
| Total interest expense | $7,429,000 | 2,158 |
| Net interest income | $11,152,000 | 1,592 |
| Provision for loan and lease losses | $875,000 | 1,390 |
| Total noninterest income | $2,635,000 | 1,627 |
| Gross Fiduciary activities income | $1,000 | 1,678 |
| Service charges on deposit accounts | $1,601,000 | 924 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,033,000 | 1,990 |
| Total noninterest expense | $7,671,000 | 1,889 |
| Salaries and employee benefits | $4,205,000 | 1,786 |
| Premises and equipment expense | $913,000 | 2,334 |
| Additional noninterest expense | $2,553,000 | 1,793 |
| Pre-tax net operating income | $5,241,000 | 1,382 |
| Securities gains (losses) | $127,000 | 1,550 |
| Applicable income taxes | $1,700,000 | 1,345 |
| Income before extraordinary items | $3,668,000 | 1,466 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $3,668,000 | 1,469 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,520,000 | 702 |
| Cash dividends | $3,040,000 | 906 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $3,581,640 | 1,440 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $16,328,000 | 2,157 |
| Total interest expense | $7,683,000 | 2,215 |
| Net interest income | $8,645,000 | 2,057 |
| Provision for loan and lease losses | $308,000 | 2,774 |
| Total noninterest income | $2,678,000 | 1,493 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,282,000 | 1,056 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,396,000 | 1,464 |
| Total noninterest expense | $6,612,000 | 2,083 |
| Salaries and employee benefits | $3,302,000 | 2,165 |
| Premises and equipment expense | $842,000 | 2,457 |
| Additional noninterest expense | $2,468,000 | 1,800 |
| Pre-tax net operating income | $4,403,000 | 1,668 |
| Securities gains (losses) | $30,000 | 843 |
| Applicable income taxes | $997,000 | 2,129 |
| Income before extraordinary items | $3,436,000 | 1,529 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,436,000 | 1,529 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 4,865 |
| Cash dividends | $1,736,000 | 1,503 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $3,412,600 | 1,538 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,051,000 | 4,366 |
| Total interest expense | $3,287,000 | 4,279 |
| Net interest income | $3,764,000 | 4,401 |
| Provision for loan and lease losses | $242,000 | 3,112 |
| Total noninterest income | $1,733,000 | 2,059 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $620,000 | 2,141 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,113,000 | 1,738 |
| Total noninterest expense | $3,454,000 | 3,741 |
| Salaries and employee benefits | $1,444,000 | 4,472 |
| Premises and equipment expense | $416,000 | 4,393 |
| Additional noninterest expense | $1,594,000 | 2,718 |
| Pre-tax net operating income | $1,801,000 | 3,613 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $607,000 | 3,195 |
| Income before extraordinary items | $1,194,000 | 3,896 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,194,000 | 3,897 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $121,000 | 3,224 |
| Cash dividends | $860,000 | 2,544 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,194,000 | 3,862 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,567,000 | 4,637 |
| Total interest expense | $3,287,000 | 4,387 |
| Net interest income | $3,280,000 | 4,825 |
| Provision for loan and lease losses | $104,000 | 5,028 |
| Total noninterest income | $1,373,000 | 2,432 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $429,000 | 2,942 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $944,000 | 1,939 |
| Total noninterest expense | $3,088,000 | 4,019 |
| Salaries and employee benefits | $1,325,000 | 4,684 |
| Premises and equipment expense | $300,000 | 5,381 |
| Additional noninterest expense | $1,463,000 | 2,842 |
| Pre-tax net operating income | $1,461,000 | 4,256 |
| Securities gains (losses) | $18,000 | 2,506 |
| Applicable income taxes | $469,000 | 4,011 |
| Income before extraordinary items | $1,010,000 | 4,481 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,010,000 | 4,480 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $288,000 | 1,914 |
| Cash dividends | $938,000 | 2,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $997,760 | 4,434 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,549,000 | 4,746 |
| Total interest expense | $3,263,000 | 4,379 |
| Net interest income | $3,286,000 | 4,955 |
| Provision for loan and lease losses | $305,000 | 2,540 |
| Total noninterest income | $943,000 | 3,192 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $394,000 | 3,256 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $549,000 | 2,657 |
| Total noninterest expense | $2,388,000 | 4,965 |
| Salaries and employee benefits | $1,147,000 | 5,285 |
| Premises and equipment expense | $240,000 | 6,210 |
| Additional noninterest expense | $1,001,000 | 3,905 |
| Pre-tax net operating income | $1,536,000 | 4,407 |
| Securities gains (losses) | $113,000 | 939 |
| Applicable income taxes | $508,000 | 4,170 |
| Income before extraordinary items | $1,141,000 | 4,232 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,141,000 | 4,233 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $323,000 | 1,862 |
| Cash dividends | $860,000 | 2,450 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,063,030 | 4,414 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,214,000 | 5,051 |
| Total interest expense | $3,072,000 | 4,676 |
| Net interest income | $3,142,000 | 5,264 |
| Provision for loan and lease losses | $600,000 | 1,497 |
| Total noninterest income | $610,000 | 4,528 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $372,000 | 3,554 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $238,000 | 4,674 |
| Total noninterest expense | $2,149,000 | 5,633 |
| Salaries and employee benefits | $983,000 | 6,073 |
| Premises and equipment expense | $324,000 | 5,293 |
| Additional noninterest expense | $842,000 | 4,996 |
| Pre-tax net operating income | $1,003,000 | 5,730 |
| Securities gains (losses) | $101,000 | 960 |
| Applicable income taxes | $376,000 | 5,092 |
| Income before extraordinary items | $728,000 | 5,634 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $728,000 | 5,634 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 10,270 |
| Cash dividends | $678,000 | 2,811 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $661,340 | 5,876 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,811,000 | 5,337 |
| Total interest expense | $2,828,000 | 5,033 |
| Net interest income | $2,983,000 | 5,515 |
| Provision for loan and lease losses | $175,000 | 3,337 |
| Total noninterest income | $426,000 | 5,749 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $350,000 | 3,768 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $76,000 | 8,106 |
| Total noninterest expense | $1,834,000 | 6,381 |
| Salaries and employee benefits | $903,000 | 6,539 |
| Premises and equipment expense | $231,000 | 6,647 |
| Additional noninterest expense | $700,000 | 5,844 |
| Pre-tax net operating income | $1,400,000 | 4,689 |
| Securities gains (losses) | $52,000 | 1,281 |
| Applicable income taxes | $498,000 | 4,206 |
| Income before extraordinary items | $954,000 | 4,776 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $954,000 | 4,775 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-54,000 | 11,498 |
| Cash dividends | $605,000 | 2,896 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $919,680 | 4,904 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,071,000 | 6,605 |
| Total interest expense | $1,790,000 | 6,102 |
| Net interest income | $2,281,000 | 6,898 |
| Provision for loan and lease losses | $80,000 | 5,022 |
| Total noninterest income | $353,000 | 6,645 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $292,000 | 4,465 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $61,000 | 9,058 |
| Total noninterest expense | $1,754,000 | 6,819 |
| Salaries and employee benefits | $786,000 | 7,287 |
| Premises and equipment expense | $156,000 | 8,394 |
| Additional noninterest expense | $812,000 | 5,625 |
| Pre-tax net operating income | $800,000 | 6,869 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $264,000 | 6,339 |
| Income before extraordinary items | $536,000 | 7,032 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $536,000 | 7,043 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 4,717 |
| Cash dividends | $380,000 | 3,868 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $536,000 | 7,077 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,183,000 | 8,041 |
| Total interest expense | $1,202,000 | 8,241 |
| Net interest income | $1,981,000 | 7,734 |
| Provision for loan and lease losses | $48,000 | 7,582 |
| Total noninterest income | $339,000 | 7,160 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $253,000 | 5,067 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $86,000 | 8,379 |
| Total noninterest expense | $1,349,000 | 8,338 |
| Salaries and employee benefits | $616,000 | 8,665 |
| Premises and equipment expense | $136,000 | 9,286 |
| Additional noninterest expense | $597,000 | 7,365 |
| Pre-tax net operating income | $923,000 | 6,241 |
| Securities gains (losses) | $89,000 | 2,664 |
| Applicable income taxes | $344,000 | 5,572 |
| Income before extraordinary items | $668,000 | 6,300 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $668,000 | 6,477 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 12,031 |
| Cash dividends | $280,000 | 4,592 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $609,260 | 6,465 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,896,000 | 9,153 |
| Total interest expense | $1,348,000 | 9,038 |
| Net interest income | $1,548,000 | 9,127 |
| Provision for loan and lease losses | $-3,000 | 13,433 |
| Total noninterest income | $200,000 | 9,415 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $144,000 | 7,271 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $56,000 | 10,037 |
| Total noninterest expense | $1,080,000 | 9,611 |
| Salaries and employee benefits | $484,000 | 9,933 |
| Premises and equipment expense | $119,000 | 10,050 |
| Additional noninterest expense | $477,000 | 8,672 |
| Pre-tax net operating income | $671,000 | 7,266 |
| Securities gains (losses) | $98,000 | 3,033 |
| Applicable income taxes | $235,000 | 6,910 |
| Income before extraordinary items | $534,000 | 7,044 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $534,000 | 7,138 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 6,489 |
| Cash dividends | $520,000 | 2,688 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $466,380 | 7,253 |
* 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.