Home > Citizens Bank > Income and Expense
Citizens Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $13,493,000 | 2,421 |
| Total interest expense | $6,172,000 | 2,433 |
| Net interest income | $7,321,000 | 2,383 |
| Provision for loan and lease losses | $200,000 | 3,424 |
| Total noninterest income | $4,790,000 | 954 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $3,137,000 | 419 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,653,000 | 1,252 |
| Total noninterest expense | $9,436,000 | 1,395 |
| Salaries and employee benefits | $4,280,000 | 1,526 |
| Premises and equipment expense | $1,329,000 | 1,468 |
| Additional noninterest expense | $3,827,000 | 1,157 |
| Pre-tax net operating income | $2,475,000 | 2,939 |
| Securities gains (losses) | $43,000 | 1,423 |
| Applicable income taxes | $809,000 | 2,900 |
| Income before extraordinary items | $1,709,000 | 2,974 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,709,000 | 2,973 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $245,000 | 2,236 |
| Cash dividends | $401,000 | 3,926 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,679,760 | 2,963 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $9,289,000 | 3,510 |
| Total interest expense | $4,388,000 | 3,393 |
| Net interest income | $4,901,000 | 3,596 |
| Provision for loan and lease losses | $460,000 | 1,847 |
| Total noninterest income | $2,457,000 | 1,569 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $1,550,000 | 851 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $907,000 | 1,937 |
| Total noninterest expense | $5,269,000 | 2,582 |
| Salaries and employee benefits | $2,499,000 | 2,702 |
| Premises and equipment expense | $562,000 | 3,415 |
| Additional noninterest expense | $2,208,000 | 2,251 |
| Pre-tax net operating income | $1,629,000 | 4,069 |
| Securities gains (losses) | $-3,000 | 9,684 |
| Applicable income taxes | $613,000 | 3,522 |
| Income before extraordinary items | $1,013,000 | 4,447 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,013,000 | 4,448 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $467,000 | 1,511 |
| Cash dividends | $400,000 | 3,860 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,014,920 | 4,378 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $8,659,000 | 3,748 |
| Total interest expense | $4,416,000 | 3,363 |
| Net interest income | $4,243,000 | 4,108 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $2,068,000 | 1,790 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $1,292,000 | 1,035 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $776,000 | 2,145 |
| Total noninterest expense | $5,334,000 | 2,548 |
| Salaries and employee benefits | $2,367,000 | 2,820 |
| Premises and equipment expense | $549,000 | 3,470 |
| Additional noninterest expense | $2,418,000 | 2,055 |
| Pre-tax net operating income | $977,000 | 6,094 |
| Securities gains (losses) | $-5,000 | 9,676 |
| Applicable income taxes | $329,000 | 5,674 |
| Income before extraordinary items | $643,000 | 6,355 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $643,000 | 6,353 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $502,000 | 1,382 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $646,300 | 6,318 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,528,000 | 3,952 |
| Total interest expense | $3,538,000 | 3,420 |
| Net interest income | $3,990,000 | 4,393 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $1,507,000 | 2,280 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $991,000 | 1,351 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $516,000 | 2,895 |
| Total noninterest expense | $5,125,000 | 2,717 |
| Salaries and employee benefits | $2,189,000 | 3,023 |
| Premises and equipment expense | $580,000 | 3,372 |
| Additional noninterest expense | $2,356,000 | 2,244 |
| Pre-tax net operating income | $372,000 | 9,563 |
| Securities gains (losses) | $-36,000 | 10,793 |
| Applicable income taxes | $81,000 | 9,781 |
| Income before extraordinary items | $255,000 | 9,638 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $255,000 | 9,650 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $179,000 | 2,680 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $282,360 | 9,405 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,209,000 | 4,204 |
| Total interest expense | $3,366,000 | 3,722 |
| Net interest income | $3,843,000 | 4,571 |
| Provision for loan and lease losses | $1,175,000 | 1,170 |
| Total noninterest income | $1,741,000 | 2,175 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $952,000 | 1,415 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $789,000 | 2,406 |
| Total noninterest expense | $5,700,000 | 2,510 |
| Salaries and employee benefits | $2,414,000 | 2,746 |
| Premises and equipment expense | $597,000 | 3,345 |
| Additional noninterest expense | $2,689,000 | 2,082 |
| Pre-tax net operating income | $-1,291,000 | 13,017 |
| Securities gains (losses) | $797,000 | 632 |
| Applicable income taxes | $-239,000 | 13,057 |
| Income before extraordinary items | $-255,000 | 12,797 |
| Extraordinary gains, net | $-276,000 | 13,093 |
| Net income | $-531,000 | 12,909 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,739,000 | 784 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-765,080 | 12,915 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $10,636,000 | 3,293 |
| Total interest expense | $4,613,000 | 3,559 |
| Net interest income | $6,023,000 | 3,036 |
| Provision for loan and lease losses | $4,557,000 | 629 |
| Total noninterest income | $2,003,000 | 1,929 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $911,000 | 1,477 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,092,000 | 1,880 |
| Total noninterest expense | $6,397,000 | 2,288 |
| Salaries and employee benefits | $2,880,000 | 2,262 |
| Premises and equipment expense | $637,000 | 3,176 |
| Additional noninterest expense | $2,880,000 | 2,061 |
| Pre-tax net operating income | $-2,928,000 | 13,710 |
| Securities gains (losses) | $862,000 | 732 |
| Applicable income taxes | $-1,014,000 | 13,825 |
| Income before extraordinary items | $-1,052,000 | 13,566 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-1,052,000 | 13,563 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,385,000 | 680 |
| Cash dividends | $173,000 | 5,457 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-1,603,680 | 13,577 |
* 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.