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Citizens Bank, Income and Expense

1999-12-31 (YTD Data)Rank
Total interest income$3,796,0006,531
Total interest expense$1,763,0006,436
Net interest income$2,033,0006,581
Provision for loan and lease losses$115,0004,942
Total noninterest income$358,0005,938
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$128,0006,204
Trading account gains and feesNANA
Additional Noninterest Income$230,0004,617
Total noninterest expense$1,003,0008,121
Salaries and employee benefits$556,0008,000
Premises and equipment expense$132,0007,994
Additional noninterest expense$315,0008,009
Pre-tax net operating income$1,273,0004,589
Securities gains (losses)$03,155
Applicable income taxes$437,0003,930
Income before extraordinary items$836,0004,956
Extraordinary gains, net$035
Net income$836,0004,956
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$144,0002,922
Cash dividends$550,0003,313
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$836,0004,919
1998-12-31 (YTD Data)Rank
Total interest income$3,199,0007,288
Total interest expense$1,425,0007,365
Net interest income$1,774,0007,105
Provision for loan and lease losses$109,0004,942
Total noninterest income$365,0005,898
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$119,0006,481
Trading account gains and feesNANA
Additional Noninterest Income$246,0004,466
Total noninterest expense$874,0008,513
Salaries and employee benefits$464,0008,581
Premises and equipment expense$122,0008,215
Additional noninterest expense$288,0008,241
Pre-tax net operating income$1,156,0004,998
Securities gains (losses)$04,449
Applicable income taxes$388,0004,507
Income before extraordinary items$768,0005,315
Extraordinary gains, net$032
Net income$768,0005,315
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$5,0007,505
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$768,0005,210
1997-12-31 (YTD Data)Rank
Total interest income$2,641,0008,201
Total interest expense$1,161,0008,230
Net interest income$1,480,0008,029
Provision for loan and lease losses$64,0006,078
Total noninterest income$184,0008,064
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$119,0006,786
Trading account gains and feesNANA
Additional Noninterest Income$65,0007,858
Total noninterest expense$688,0009,425
Salaries and employee benefits$347,0009,618
Premises and equipment expense$65,0009,839
Additional noninterest expense$276,0008,581
Pre-tax net operating income$912,0006,108
Securities gains (losses)$-1,0009,009
Applicable income taxes$306,0005,670
Income before extraordinary items$605,0006,338
Extraordinary gains, net$044
Net income$605,0006,339
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$107,0003,684
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$605,6606,281
1996-12-31 (YTD Data)Rank
Total interest income$1,957,0009,430
Total interest expense$909,0009,299
Net interest income$1,048,0009,420
Provision for loan and lease losses$20,0007,945
Total noninterest income$139,0009,187
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$114,0007,197
Trading account gains and feesNANA
Additional Noninterest Income$25,00010,117
Total noninterest expense$566,00010,328
Salaries and employee benefits$284,00010,476
Premises and equipment expense$43,00010,829
Additional noninterest expense$239,0009,517
Pre-tax net operating income$601,0007,412
Securities gains (losses)$04,148
Applicable income taxes$189,0007,300
Income before extraordinary items$412,0007,520
Extraordinary gains, net$053
Net income$412,0007,518
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$342,0001,894
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$412,0007,463
1995-12-31 (YTD Data)Rank
Total interest income$1,688,00010,202
Total interest expense$815,0009,893
Net interest income$873,00010,328
Provision for loan and lease losses$550,0001,455
Total noninterest income$102,00010,232
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$91,0008,002
Trading account gains and feesNANA
Additional Noninterest Income$11,00011,437
Total noninterest expense$653,00010,351
Salaries and employee benefits$274,00010,966
Premises and equipment expense$14,00011,861
Additional noninterest expense$365,0008,542
Pre-tax net operating income$-228,00011,688
Securities gains (losses)$03,831
Applicable income taxes$011,151
Income before extraordinary items$-228,00011,697
Extraordinary gains, net$065
Net income$-228,00011,695
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$367,0001,699
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$-228,00011,682
1994-12-31 (YTD Data)Rank
Total interest income$1,539,00010,664
Total interest expense$730,0009,929
Net interest income$809,00011,020
Provision for loan and lease losses$1,178,000838
Total noninterest income$55,00011,823
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$54,0009,555
Trading account gains and feesNANA
Additional Noninterest Income$1,00012,518
Total noninterest expense$580,00011,229
Salaries and employee benefits$244,00011,717
Premises and equipment expense$19,00012,444
Additional noninterest expense$317,0009,750
Pre-tax net operating income$-894,00012,443
Securities gains (losses)$9,0002,280
Applicable income taxes$-270,00012,422
Income before extraordinary items$-615,00012,379
Extraordinary gains, net$0249
Net income$-615,00012,376
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$677,0001,122
Cash dividends$9,0008,806
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$-621,21012,383
1993-12-31 (YTD Data)Rank
Total interest income$1,658,00010,892
Total interest expense$800,00010,055
Net interest income$858,00011,320
Provision for loan and lease losses$113,0005,452
Total noninterest income$23,00013,031
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$23,00010,936
Trading account gains and feesNANA
Additional Noninterest Income$013,212
Total noninterest expense$453,00012,399
Salaries and employee benefits$237,00012,305
Premises and equipment expense$31,00012,825
Additional noninterest expense$185,00011,942
Pre-tax net operating income$315,00010,118
Securities gains (losses)$3,0006,505
Applicable income taxes$77,00010,286
Income before extraordinary items$241,00010,150
Extraordinary gains, net$12,0002,892
Net income$253,00010,140
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$99,0004,582
Cash dividends$9,0008,936
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$238,7209,926
1992-12-31 (YTD Data)Rank
Total interest income$1,513,00011,937
Total interest expense$813,00011,265
Net interest income$700,00012,316
Provision for loan and lease losses$139,0006,334
Total noninterest income$19,00013,699
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$19,00011,388
Trading account gains and feesNANA
Additional Noninterest Income$013,866
Total noninterest expense$431,00013,017
Salaries and employee benefits$233,00012,790
Premises and equipment expense$20,00013,675
Additional noninterest expense$178,00012,547
Pre-tax net operating income$149,00011,543
Securities gains (losses)$2,0007,695
Applicable income taxes$22,00012,047
Income before extraordinary items$129,00011,554
Extraordinary gains, net$01,422
Net income$129,00011,633
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$109,0005,695
Cash dividends$9,0008,748
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$127,30011,259

* 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.