Home > Citizens Bank and Trust Company > Income and Expense
Citizens Bank and Trust Company, Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,208,000 | 6,189 |
| Total interest expense | $2,443,000 | 5,470 |
| Net interest income | $1,765,000 | 6,856 |
| Provision for loan and lease losses | $180,000 | 4,345 |
| Total noninterest income | $714,000 | 4,136 |
| Gross Fiduciary activities income | $5,000 | 1,541 |
| Service charges on deposit accounts | $537,000 | 2,668 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $172,000 | 5,245 |
| Total noninterest expense | $2,159,000 | 5,453 |
| Salaries and employee benefits | $1,001,000 | 5,977 |
| Premises and equipment expense | $426,000 | 4,404 |
| Additional noninterest expense | $732,000 | 5,105 |
| Pre-tax net operating income | $140,000 | 8,142 |
| Securities gains (losses) | $32,000 | 2,761 |
| Applicable income taxes | $-23,000 | 9,068 |
| Income before extraordinary items | $195,000 | 7,775 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $195,000 | 7,778 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $456,000 | 1,660 |
| Cash dividends | $113,000 | 5,660 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $163,000 | 7,838 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,659,000 | 5,973 |
| Total interest expense | $2,479,000 | 5,587 |
| Net interest income | $2,180,000 | 6,298 |
| Provision for loan and lease losses | $434,000 | 2,117 |
| Total noninterest income | $616,000 | 4,346 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $492,000 | 2,736 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $124,000 | 5,915 |
| Total noninterest expense | $2,152,000 | 5,415 |
| Salaries and employee benefits | $1,061,000 | 5,692 |
| Premises and equipment expense | $418,000 | 4,362 |
| Additional noninterest expense | $673,000 | 5,332 |
| Pre-tax net operating income | $210,000 | 8,329 |
| Securities gains (losses) | $-7,000 | 8,117 |
| Applicable income taxes | $-48,000 | 9,479 |
| Income before extraordinary items | $251,000 | 7,771 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $251,000 | 7,771 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $241,000 | 2,109 |
| Cash dividends | $150,000 | 5,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $258,000 | 7,725 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,366,000 | 6,041 |
| Total interest expense | $2,376,000 | 5,377 |
| Net interest income | $1,990,000 | 6,667 |
| Provision for loan and lease losses | $180,000 | 3,760 |
| Total noninterest income | $557,000 | 4,645 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $413,000 | 3,138 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $144,000 | 5,700 |
| Total noninterest expense | $1,957,000 | 5,775 |
| Salaries and employee benefits | $1,055,000 | 5,681 |
| Premises and equipment expense | $387,000 | 4,650 |
| Additional noninterest expense | $515,000 | 6,406 |
| Pre-tax net operating income | $410,000 | 7,553 |
| Securities gains (losses) | $21,000 | 1,369 |
| Applicable income taxes | $15,000 | 8,345 |
| Income before extraordinary items | $416,000 | 6,900 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $416,000 | 6,900 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $241,000 | 2,130 |
| Cash dividends | $165,000 | 5,503 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $395,630 | 6,989 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,994,000 | 6,485 |
| Total interest expense | $2,044,000 | 6,115 |
| Net interest income | $1,950,000 | 6,760 |
| Provision for loan and lease losses | $180,000 | 3,728 |
| Total noninterest income | $492,000 | 4,983 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $366,000 | 3,387 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $126,000 | 6,085 |
| Total noninterest expense | $1,921,000 | 5,745 |
| Salaries and employee benefits | $1,010,000 | 5,754 |
| Premises and equipment expense | $349,000 | 4,894 |
| Additional noninterest expense | $562,000 | 6,004 |
| Pre-tax net operating income | $341,000 | 8,170 |
| Securities gains (losses) | $16,000 | 2,616 |
| Applicable income taxes | $-7,000 | 10,009 |
| Income before extraordinary items | $364,000 | 7,451 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $364,000 | 7,450 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $151,000 | 2,906 |
| Cash dividends | $165,000 | 5,655 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $348,000 | 7,464 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,128,000 | 6,537 |
| Total interest expense | $2,104,000 | 6,075 |
| Net interest income | $2,024,000 | 6,874 |
| Provision for loan and lease losses | $180,000 | 3,648 |
| Total noninterest income | $557,000 | 4,652 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $358,000 | 3,538 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $199,000 | 4,961 |
| Total noninterest expense | $1,798,000 | 6,070 |
| Salaries and employee benefits | $1,006,000 | 5,833 |
| Premises and equipment expense | $304,000 | 5,412 |
| Additional noninterest expense | $488,000 | 6,606 |
| Pre-tax net operating income | $603,000 | 7,408 |
| Securities gains (losses) | $6,000 | 2,665 |
| Applicable income taxes | $104,000 | 8,335 |
| Income before extraordinary items | $505,000 | 6,933 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $505,000 | 6,936 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $179,000 | 2,715 |
| Cash dividends | $165,000 | 5,736 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $500,020 | 6,905 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,010,000 | 6,864 |
| Total interest expense | $2,089,000 | 6,248 |
| Net interest income | $1,921,000 | 7,313 |
| Provision for loan and lease losses | $180,000 | 3,640 |
| Total noninterest income | $465,000 | 5,421 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $333,000 | 3,919 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $132,000 | 6,332 |
| Total noninterest expense | $1,816,000 | 6,349 |
| Salaries and employee benefits | $1,080,000 | 5,659 |
| Premises and equipment expense | $268,000 | 5,987 |
| Additional noninterest expense | $468,000 | 7,320 |
| Pre-tax net operating income | $390,000 | 8,561 |
| Securities gains (losses) | $19,000 | 2,034 |
| Applicable income taxes | $-162,000 | 11,243 |
| Income before extraordinary items | $571,000 | 6,451 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $571,000 | 6,454 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,880 |
| Cash dividends | $150,000 | 5,964 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $552,000 | 6,486 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,057,000 | 6,919 |
| Total interest expense | $1,945,000 | 6,597 |
| Net interest income | $2,112,000 | 7,052 |
| Provision for loan and lease losses | $180,000 | 3,223 |
| Total noninterest income | $406,000 | 5,937 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $276,000 | 4,594 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $130,000 | 6,408 |
| Total noninterest expense | $1,933,000 | 6,146 |
| Salaries and employee benefits | $1,091,000 | 5,636 |
| Premises and equipment expense | $290,000 | 5,781 |
| Additional noninterest expense | $552,000 | 6,853 |
| Pre-tax net operating income | $405,000 | 9,037 |
| Securities gains (losses) | $33,000 | 1,557 |
| Applicable income taxes | $0 | 11,151 |
| Income before extraordinary items | $438,000 | 7,744 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $438,000 | 7,743 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $282,000 | 2,018 |
| Cash dividends | $150,000 | 6,032 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $405,000 | 7,979 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,812,000 | 6,937 |
| Total interest expense | $1,659,000 | 6,445 |
| Net interest income | $2,153,000 | 7,188 |
| Provision for loan and lease losses | $180,000 | 3,202 |
| Total noninterest income | $405,000 | 6,105 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $278,000 | 4,643 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $127,000 | 6,755 |
| Total noninterest expense | $1,907,000 | 6,439 |
| Salaries and employee benefits | $1,087,000 | 5,691 |
| Premises and equipment expense | $308,000 | 5,604 |
| Additional noninterest expense | $512,000 | 7,738 |
| Pre-tax net operating income | $471,000 | 8,852 |
| Securities gains (losses) | $38,000 | 1,321 |
| Applicable income taxes | $2,000 | 11,553 |
| Income before extraordinary items | $507,000 | 7,252 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $507,000 | 7,257 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 5,032 |
| Cash dividends | $150,000 | 6,052 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $469,000 | 7,587 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,883,000 | 7,016 |
| Total interest expense | $1,667,000 | 6,700 |
| Net interest income | $2,216,000 | 7,142 |
| Provision for loan and lease losses | $135,000 | 4,908 |
| Total noninterest income | $393,000 | 6,564 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $278,000 | 4,718 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $115,000 | 7,444 |
| Total noninterest expense | $1,913,000 | 6,583 |
| Salaries and employee benefits | $1,076,000 | 5,758 |
| Premises and equipment expense | $286,000 | 6,090 |
| Additional noninterest expense | $551,000 | 7,760 |
| Pre-tax net operating income | $561,000 | 8,222 |
| Securities gains (losses) | $107,000 | 2,403 |
| Applicable income taxes | $1,000 | 12,075 |
| Income before extraordinary items | $667,000 | 6,304 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $667,000 | 6,483 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $174,000 | 3,398 |
| Cash dividends | $150,000 | 6,064 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $560,000 | 6,817 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,443,000 | 6,964 |
| Total interest expense | $2,014,000 | 7,082 |
| Net interest income | $2,429,000 | 6,727 |
| Provision for loan and lease losses | $373,000 | 3,608 |
| Total noninterest income | $438,000 | 6,185 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $275,000 | 4,756 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $163,000 | 6,352 |
| Total noninterest expense | $1,898,000 | 6,667 |
| Salaries and employee benefits | $1,022,000 | 5,914 |
| Premises and equipment expense | $271,000 | 6,424 |
| Additional noninterest expense | $605,000 | 7,466 |
| Pre-tax net operating income | $596,000 | 7,741 |
| Securities gains (losses) | $72,000 | 3,538 |
| Applicable income taxes | $221,000 | 7,164 |
| Income before extraordinary items | $447,000 | 7,772 |
| Extraordinary gains, net | $216,000 | 404 |
| Net income | $663,000 | 6,218 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $363,000 | 2,993 |
| Cash dividends | $150,000 | 5,711 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $398,760 | 7,878 |
* 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.