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Citizens Bank, Income and Expense
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $10,079,000 | 3,058 |
| Total interest expense | $3,188,000 | 3,905 |
| Net interest income | $6,891,000 | 2,617 |
| Provision for loan and lease losses | $230,000 | 3,613 |
| Total noninterest income | $1,653,000 | 2,260 |
| Gross Fiduciary activities income | $75,000 | 1,268 |
| Service charges on deposit accounts | $837,000 | 1,639 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $741,000 | 2,500 |
| Total noninterest expense | $4,806,000 | 2,954 |
| Salaries and employee benefits | $2,144,000 | 3,054 |
| Premises and equipment expense | $773,000 | 2,638 |
| Additional noninterest expense | $1,889,000 | 2,861 |
| Pre-tax net operating income | $3,508,000 | 1,943 |
| Securities gains (losses) | $219,000 | 1,593 |
| Applicable income taxes | $1,026,000 | 2,189 |
| Income before extraordinary items | $2,701,000 | 1,845 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,701,000 | 1,907 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 4,760 |
| Cash dividends | $2,400,000 | 863 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,543,320 | 1,848 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $10,455,000 | 3,340 |
| Total interest expense | $4,207,000 | 3,891 |
| Net interest income | $6,248,000 | 2,916 |
| Provision for loan and lease losses | $275,000 | 4,347 |
| Total noninterest income | $1,610,000 | 2,270 |
| Gross Fiduciary activities income | $104,000 | 1,243 |
| Service charges on deposit accounts | $859,000 | 1,580 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $647,000 | 2,692 |
| Total noninterest expense | $4,763,000 | 3,002 |
| Salaries and employee benefits | $2,328,000 | 2,790 |
| Premises and equipment expense | $758,000 | 2,736 |
| Additional noninterest expense | $1,677,000 | 3,259 |
| Pre-tax net operating income | $2,820,000 | 2,187 |
| Securities gains (losses) | $72,000 | 3,538 |
| Applicable income taxes | $668,000 | 3,122 |
| Income before extraordinary items | $2,224,000 | 2,066 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,224,000 | 2,092 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $330,000 | 3,159 |
| Cash dividends | $2,350,000 | 736 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,168,560 | 1,944 |
* 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.