Home > Citizens Bank and Trust Company > Income and Expense
Citizens Bank and Trust Company, Income and Expense
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,864,000 | 6,871 |
| Total interest expense | $1,605,000 | 6,595 |
| Net interest income | $2,259,000 | 6,951 |
| Provision for loan and lease losses | $-50,000 | 11,988 |
| Total noninterest income | $417,000 | 5,987 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $323,000 | 4,103 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $94,000 | 7,705 |
| Total noninterest expense | $1,925,000 | 6,396 |
| Salaries and employee benefits | $892,000 | 6,695 |
| Premises and equipment expense | $232,000 | 6,829 |
| Additional noninterest expense | $801,000 | 5,700 |
| Pre-tax net operating income | $801,000 | 6,863 |
| Securities gains (losses) | $1,000 | 3,293 |
| Applicable income taxes | $147,000 | 8,368 |
| Income before extraordinary items | $655,000 | 6,186 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $655,000 | 6,204 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-31,000 | 11,591 |
| Cash dividends | $1,500,000 | 1,399 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $654,180 | 6,267 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,866,000 | 7,041 |
| Total interest expense | $1,646,000 | 6,753 |
| Net interest income | $2,220,000 | 7,129 |
| Provision for loan and lease losses | $-165,000 | 13,004 |
| Total noninterest income | $371,000 | 6,791 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $248,000 | 5,152 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $123,000 | 7,223 |
| Total noninterest expense | $1,849,000 | 6,761 |
| Salaries and employee benefits | $832,000 | 7,127 |
| Premises and equipment expense | $179,000 | 8,164 |
| Additional noninterest expense | $838,000 | 5,700 |
| Pre-tax net operating income | $907,000 | 6,316 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $285,000 | 6,264 |
| Income before extraordinary items | $622,000 | 6,619 |
| Extraordinary gains, net | $876,000 | 254 |
| Net income | $1,498,000 | 3,354 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 12,362 |
| Cash dividends | $498,000 | 3,138 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $622,000 | 6,372 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,513,000 | 6,879 |
| Total interest expense | $1,990,000 | 7,134 |
| Net interest income | $2,523,000 | 6,546 |
| Provision for loan and lease losses | $-250,000 | 13,840 |
| Total noninterest income | $328,000 | 7,370 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $225,000 | 5,527 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $103,000 | 7,958 |
| Total noninterest expense | $1,793,000 | 6,970 |
| Salaries and employee benefits | $805,000 | 7,227 |
| Premises and equipment expense | $181,000 | 8,279 |
| Additional noninterest expense | $807,000 | 6,027 |
| Pre-tax net operating income | $1,308,000 | 4,585 |
| Securities gains (losses) | $58,000 | 3,883 |
| Applicable income taxes | $426,000 | 4,563 |
| Income before extraordinary items | $940,000 | 4,757 |
| Extraordinary gains, net | $280,000 | 323 |
| Net income | $1,220,000 | 3,795 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 9,428 |
| Cash dividends | $720,000 | 2,080 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $899,980 | 4,621 |
* 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.