Home > Citizens Bank and Trust Company > Income and Expense
Citizens Bank and Trust Company, Income and Expense
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,066,000 | 5,559 |
| Total interest expense | $510,000 | 4,283 |
| Net interest income | $556,000 | 6,303 |
| Provision for loan and lease losses | $315,000 | 878 |
| Total noninterest income | $81,000 | 6,405 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $59,000 | 4,806 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $22,000 | 6,771 |
| Total noninterest expense | $653,000 | 5,046 |
| Salaries and employee benefits | $442,000 | 4,303 |
| Premises and equipment expense | $64,000 | 6,109 |
| Additional noninterest expense | $147,000 | 6,005 |
| Pre-tax net operating income | $-331,000 | 9,152 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $-124,000 | 9,232 |
| Income before extraordinary items | $-207,000 | 9,139 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-207,000 | 9,136 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 3,949 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-207,000 | 9,079 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,842,000 | 5,290 |
| Total interest expense | $2,496,000 | 4,104 |
| Net interest income | $2,346,000 | 6,108 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $392,000 | 5,829 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $265,000 | 4,553 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $127,000 | 5,948 |
| Total noninterest expense | $1,983,000 | 5,894 |
| Salaries and employee benefits | $1,178,000 | 5,549 |
| Premises and equipment expense | $271,000 | 5,879 |
| Additional noninterest expense | $534,000 | 6,318 |
| Pre-tax net operating income | $755,000 | 5,913 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $264,000 | 4,665 |
| Income before extraordinary items | $491,000 | 6,451 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $491,000 | 6,450 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $176,000 | 3,229 |
| Cash dividends | $309,000 | 4,255 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $491,000 | 6,289 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,941,000 | 5,001 |
| Total interest expense | $3,426,000 | 4,275 |
| Net interest income | $2,515,000 | 5,699 |
| Provision for loan and lease losses | $132,000 | 5,025 |
| Total noninterest income | $411,000 | 5,603 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $252,000 | 4,625 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $159,000 | 5,429 |
| Total noninterest expense | $1,918,000 | 5,893 |
| Salaries and employee benefits | $1,195,000 | 5,341 |
| Premises and equipment expense | $259,000 | 5,977 |
| Additional noninterest expense | $464,000 | 6,683 |
| Pre-tax net operating income | $876,000 | 5,260 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $306,000 | 4,218 |
| Income before extraordinary items | $570,000 | 5,751 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $570,000 | 5,754 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,674 |
| Cash dividends | $411,000 | 3,800 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $570,000 | 5,633 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,048,000 | 5,052 |
| Total interest expense | $3,327,000 | 4,553 |
| Net interest income | $2,721,000 | 5,508 |
| Provision for loan and lease losses | $42,000 | 6,799 |
| Total noninterest income | $329,000 | 6,062 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $210,000 | 4,967 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $119,000 | 6,021 |
| Total noninterest expense | $1,950,000 | 5,764 |
| Salaries and employee benefits | $1,187,000 | 5,272 |
| Premises and equipment expense | $259,000 | 5,916 |
| Additional noninterest expense | $504,000 | 6,401 |
| Pre-tax net operating income | $1,058,000 | 5,119 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $369,000 | 4,164 |
| Income before extraordinary items | $689,000 | 5,469 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $689,000 | 5,468 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 6,747 |
| Cash dividends | $75,000 | 6,167 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $689,000 | 5,466 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,065,000 | 5,527 |
| Total interest expense | $2,658,000 | 5,028 |
| Net interest income | $2,407,000 | 5,945 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $324,000 | 6,228 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $70,000 | 7,352 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $254,000 | 4,406 |
| Total noninterest expense | $1,854,000 | 5,973 |
| Salaries and employee benefits | $1,084,000 | 5,565 |
| Premises and equipment expense | $271,000 | 5,787 |
| Additional noninterest expense | $499,000 | 6,525 |
| Pre-tax net operating income | $877,000 | 5,670 |
| Securities gains (losses) | $1,000 | 2,805 |
| Applicable income taxes | $312,000 | 4,726 |
| Income before extraordinary items | $566,000 | 6,067 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $566,000 | 6,064 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 5,834 |
| Cash dividends | $290,000 | 4,629 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $565,360 | 6,045 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,826,000 | 5,819 |
| Total interest expense | $2,648,000 | 5,167 |
| Net interest income | $2,178,000 | 6,330 |
| Provision for loan and lease losses | $219,000 | 3,340 |
| Total noninterest income | $274,000 | 6,728 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $163,000 | 5,710 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $111,000 | 6,381 |
| Total noninterest expense | $1,816,000 | 5,954 |
| Salaries and employee benefits | $1,079,000 | 5,477 |
| Premises and equipment expense | $282,000 | 5,564 |
| Additional noninterest expense | $455,000 | 6,763 |
| Pre-tax net operating income | $417,000 | 7,776 |
| Securities gains (losses) | $9,000 | 3,034 |
| Applicable income taxes | $148,000 | 6,865 |
| Income before extraordinary items | $278,000 | 8,052 |
| Extraordinary gains, net | $3,000 | 30 |
| Net income | $281,000 | 8,031 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 3,649 |
| Cash dividends | $50,000 | 6,861 |
| Sale, conversion, retirement of capital stock, net | $597,000 | 539 |
| Net operating income | $272,150 | 8,016 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,033,000 | 6,636 |
| Total interest expense | $2,076,000 | 6,123 |
| Net interest income | $1,957,000 | 7,005 |
| Provision for loan and lease losses | $28,000 | 7,514 |
| Total noninterest income | $281,000 | 6,867 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $152,000 | 6,142 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $129,000 | 6,088 |
| Total noninterest expense | $1,634,000 | 6,453 |
| Salaries and employee benefits | $937,000 | 6,121 |
| Premises and equipment expense | $246,000 | 6,116 |
| Additional noninterest expense | $451,000 | 6,918 |
| Pre-tax net operating income | $576,000 | 7,533 |
| Securities gains (losses) | $7,000 | 2,566 |
| Applicable income taxes | $197,000 | 6,916 |
| Income before extraordinary items | $386,000 | 7,735 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $386,000 | 7,738 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,223 |
| Cash dividends | $48,000 | 7,261 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $381,380 | 7,715 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,476,000 | 7,433 |
| Total interest expense | $1,765,000 | 6,918 |
| Net interest income | $1,711,000 | 7,749 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $181,000 | 8,519 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $111,000 | 7,271 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $70,000 | 8,080 |
| Total noninterest expense | $1,277,000 | 7,734 |
| Salaries and employee benefits | $782,000 | 7,072 |
| Premises and equipment expense | $167,000 | 7,688 |
| Additional noninterest expense | $328,000 | 8,593 |
| Pre-tax net operating income | $615,000 | 7,336 |
| Securities gains (losses) | $9,000 | 2,573 |
| Applicable income taxes | $218,000 | 6,871 |
| Income before extraordinary items | $406,000 | 7,567 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $406,000 | 7,565 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 9,914 |
| Cash dividends | $32,000 | 7,821 |
| Sale, conversion, retirement of capital stock, net | $16,000 | 837 |
| Net operating income | $400,150 | 7,550 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,299,000 | 7,808 |
| Total interest expense | $1,572,000 | 7,501 |
| Net interest income | $1,727,000 | 7,942 |
| Provision for loan and lease losses | $23,000 | 7,541 |
| Total noninterest income | $197,000 | 8,478 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $112,000 | 7,504 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $85,000 | 7,757 |
| Total noninterest expense | $1,173,000 | 8,301 |
| Salaries and employee benefits | $698,000 | 7,723 |
| Premises and equipment expense | $158,000 | 8,078 |
| Additional noninterest expense | $317,000 | 9,073 |
| Pre-tax net operating income | $728,000 | 7,179 |
| Securities gains (losses) | $-25,000 | 10,717 |
| Applicable income taxes | $242,000 | 6,761 |
| Income before extraordinary items | $461,000 | 7,550 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $461,000 | 7,549 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,482 |
| Cash dividends | $312,000 | 4,425 |
| Sale, conversion, retirement of capital stock, net | $-15,000 | 10,445 |
| Net operating income | $477,500 | 7,386 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,899,000 | 8,230 |
| Total interest expense | $1,246,000 | 7,731 |
| Net interest income | $1,653,000 | 8,443 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $234,000 | 8,180 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $110,000 | 7,844 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $124,000 | 6,824 |
| Total noninterest expense | $1,217,000 | 8,545 |
| Salaries and employee benefits | $709,000 | 7,805 |
| Premises and equipment expense | $169,000 | 8,112 |
| Additional noninterest expense | $339,000 | 9,479 |
| Pre-tax net operating income | $670,000 | 7,593 |
| Securities gains (losses) | $3,000 | 2,889 |
| Applicable income taxes | $243,000 | 6,649 |
| Income before extraordinary items | $430,000 | 7,901 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $430,000 | 7,912 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-33,000 | 11,643 |
| Cash dividends | $305,000 | 4,396 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $428,080 | 7,959 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,870,000 | 8,546 |
| Total interest expense | $1,241,000 | 8,105 |
| Net interest income | $1,629,000 | 8,715 |
| Provision for loan and lease losses | $62,000 | 6,899 |
| Total noninterest income | $225,000 | 8,774 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $117,000 | 7,920 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $108,000 | 7,642 |
| Total noninterest expense | $1,167,000 | 9,025 |
| Salaries and employee benefits | $683,000 | 8,112 |
| Premises and equipment expense | $147,000 | 8,987 |
| Additional noninterest expense | $337,000 | 9,996 |
| Pre-tax net operating income | $625,000 | 7,780 |
| Securities gains (losses) | $42,000 | 3,661 |
| Applicable income taxes | $224,000 | 7,193 |
| Income before extraordinary items | $443,000 | 8,030 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $443,000 | 8,200 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 6,277 |
| Cash dividends | $553,000 | 2,833 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $415,280 | 8,009 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,115,000 | 8,774 |
| Total interest expense | $1,534,000 | 8,412 |
| Net interest income | $1,581,000 | 9,008 |
| Provision for loan and lease losses | $79,000 | 7,959 |
| Total noninterest income | $223,000 | 8,974 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $118,000 | 7,999 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $105,000 | 7,891 |
| Total noninterest expense | $1,093,000 | 9,545 |
| Salaries and employee benefits | $649,000 | 8,390 |
| Premises and equipment expense | $136,000 | 9,504 |
| Additional noninterest expense | $308,000 | 10,718 |
| Pre-tax net operating income | $632,000 | 7,508 |
| Securities gains (losses) | $-6,000 | 13,123 |
| Applicable income taxes | $235,000 | 6,910 |
| Income before extraordinary items | $391,000 | 8,309 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $391,000 | 8,434 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 6,806 |
| Cash dividends | $458,000 | 3,002 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $394,840 | 7,916 |
* 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.