Home > Citizens Bank and Trust Company > Income and Expense
Citizens Bank and Trust Company, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,049,000 | 3,881 |
| Total interest expense | $3,776,000 | 3,771 |
| Net interest income | $4,273,000 | 3,949 |
| Provision for loan and lease losses | $246,000 | 3,082 |
| Total noninterest income | $419,000 | 5,473 |
| Gross Fiduciary activities income | $13,000 | 1,242 |
| Service charges on deposit accounts | $190,000 | 5,255 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $216,000 | 4,765 |
| Total noninterest expense | $3,537,000 | 3,679 |
| Salaries and employee benefits | $1,920,000 | 3,569 |
| Premises and equipment expense | $479,000 | 3,912 |
| Additional noninterest expense | $1,138,000 | 3,612 |
| Pre-tax net operating income | $909,000 | 5,587 |
| Securities gains (losses) | $24,000 | 1,292 |
| Applicable income taxes | $42,000 | 7,769 |
| Income before extraordinary items | $891,000 | 4,774 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $891,000 | 4,774 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 3,486 |
| Cash dividends | $887,000 | 2,500 |
| Sale, conversion, retirement of capital stock, net | $-183,000 | 10,115 |
| Net operating income | $868,200 | 4,802 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,513,000 | 3,708 |
| Total interest expense | $4,133,000 | 3,573 |
| Net interest income | $4,380,000 | 3,829 |
| Provision for loan and lease losses | $58,000 | 6,364 |
| Total noninterest income | $434,000 | 5,357 |
| Gross Fiduciary activities income | $39,000 | 1,146 |
| Service charges on deposit accounts | $182,000 | 5,405 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $213,000 | 4,806 |
| Total noninterest expense | $3,037,000 | 4,067 |
| Salaries and employee benefits | $1,693,000 | 3,850 |
| Premises and equipment expense | $372,000 | 4,686 |
| Additional noninterest expense | $972,000 | 4,052 |
| Pre-tax net operating income | $1,719,000 | 3,774 |
| Securities gains (losses) | $77,000 | 1,445 |
| Applicable income taxes | $345,000 | 4,795 |
| Income before extraordinary items | $1,451,000 | 3,346 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,451,000 | 3,346 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,584 |
| Cash dividends | $784,000 | 2,645 |
| Sale, conversion, retirement of capital stock, net | $-1,317,000 | 10,431 |
| Net operating income | $1,388,630 | 3,367 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,287,000 | 3,848 |
| Total interest expense | $3,904,000 | 3,767 |
| Net interest income | $4,383,000 | 3,896 |
| Provision for loan and lease losses | $62,000 | 6,121 |
| Total noninterest income | $359,000 | 6,102 |
| Gross Fiduciary activities income | $23,000 | 1,264 |
| Service charges on deposit accounts | $164,000 | 5,915 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $172,000 | 5,333 |
| Total noninterest expense | $2,896,000 | 4,216 |
| Salaries and employee benefits | $1,657,000 | 3,911 |
| Premises and equipment expense | $369,000 | 4,719 |
| Additional noninterest expense | $870,000 | 4,439 |
| Pre-tax net operating income | $1,784,000 | 3,888 |
| Securities gains (losses) | $12,000 | 2,240 |
| Applicable income taxes | $410,000 | 4,808 |
| Income before extraordinary items | $1,386,000 | 3,598 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,386,000 | 3,599 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,093 |
| Cash dividends | $600,000 | 3,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,376,760 | 3,543 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,849,000 | 4,113 |
| Total interest expense | $3,647,000 | 4,031 |
| Net interest income | $4,202,000 | 4,139 |
| Provision for loan and lease losses | $81,000 | 5,578 |
| Total noninterest income | $355,000 | 6,377 |
| Gross Fiduciary activities income | $14,000 | 1,378 |
| Service charges on deposit accounts | $172,000 | 6,076 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $169,000 | 5,615 |
| Total noninterest expense | $2,808,000 | 4,545 |
| Salaries and employee benefits | $1,581,000 | 4,111 |
| Premises and equipment expense | $363,000 | 4,903 |
| Additional noninterest expense | $864,000 | 4,901 |
| Pre-tax net operating income | $1,668,000 | 3,996 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $386,000 | 5,000 |
| Income before extraordinary items | $1,282,000 | 3,665 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,282,000 | 3,664 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 6,197 |
| Cash dividends | $480,000 | 3,512 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,282,000 | 3,610 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,584,000 | 4,222 |
| Total interest expense | $3,510,000 | 4,147 |
| Net interest income | $4,074,000 | 4,240 |
| Provision for loan and lease losses | $77,000 | 5,197 |
| Total noninterest income | $318,000 | 6,877 |
| Gross Fiduciary activities income | $9,000 | 1,480 |
| Service charges on deposit accounts | $168,000 | 6,292 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $141,000 | 6,163 |
| Total noninterest expense | $2,544,000 | 4,926 |
| Salaries and employee benefits | $1,472,000 | 4,358 |
| Premises and equipment expense | $316,000 | 5,409 |
| Additional noninterest expense | $756,000 | 5,493 |
| Pre-tax net operating income | $1,771,000 | 3,891 |
| Securities gains (losses) | $22,000 | 1,840 |
| Applicable income taxes | $395,000 | 4,992 |
| Income before extraordinary items | $1,398,000 | 3,473 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,398,000 | 3,471 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 7,576 |
| Cash dividends | $378,000 | 4,015 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,380,840 | 3,484 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,151,000 | 4,144 |
| Total interest expense | $2,881,000 | 4,106 |
| Net interest income | $4,270,000 | 4,118 |
| Provision for loan and lease losses | $63,000 | 5,527 |
| Total noninterest income | $324,000 | 6,964 |
| Gross Fiduciary activities income | $9,000 | 1,479 |
| Service charges on deposit accounts | $179,000 | 6,275 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $136,000 | 6,520 |
| Total noninterest expense | $2,697,000 | 4,836 |
| Salaries and employee benefits | $1,432,000 | 4,462 |
| Premises and equipment expense | $317,000 | 5,473 |
| Additional noninterest expense | $948,000 | 4,935 |
| Pre-tax net operating income | $1,834,000 | 3,678 |
| Securities gains (losses) | $39,000 | 1,298 |
| Applicable income taxes | $374,000 | 5,013 |
| Income before extraordinary items | $1,499,000 | 3,179 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,499,000 | 3,191 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 10,077 |
| Cash dividends | $354,000 | 4,050 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,467,800 | 3,268 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,473,000 | 4,058 |
| Total interest expense | $3,036,000 | 4,080 |
| Net interest income | $4,437,000 | 3,995 |
| Provision for loan and lease losses | $56,000 | 7,224 |
| Total noninterest income | $296,000 | 7,736 |
| Gross Fiduciary activities income | $6,000 | 1,545 |
| Service charges on deposit accounts | $179,000 | 6,392 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $111,000 | 7,550 |
| Total noninterest expense | $2,542,000 | 5,197 |
| Salaries and employee benefits | $1,359,000 | 4,695 |
| Premises and equipment expense | $280,000 | 6,181 |
| Additional noninterest expense | $903,000 | 5,352 |
| Pre-tax net operating income | $2,135,000 | 3,109 |
| Securities gains (losses) | $6,000 | 5,977 |
| Applicable income taxes | $470,000 | 4,408 |
| Income before extraordinary items | $1,671,000 | 2,930 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,671,000 | 3,029 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 8,052 |
| Cash dividends | $342,000 | 4,055 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,666,320 | 2,786 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $8,498,000 | 4,071 |
| Total interest expense | $4,042,000 | 4,040 |
| Net interest income | $4,456,000 | 4,037 |
| Provision for loan and lease losses | $129,000 | 6,532 |
| Total noninterest income | $240,000 | 8,673 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $135,000 | 7,532 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $105,000 | 7,891 |
| Total noninterest expense | $2,641,000 | 5,054 |
| Salaries and employee benefits | $1,361,000 | 4,623 |
| Premises and equipment expense | $272,000 | 6,405 |
| Additional noninterest expense | $1,008,000 | 5,022 |
| Pre-tax net operating income | $1,926,000 | 3,213 |
| Securities gains (losses) | $89,000 | 3,202 |
| Applicable income taxes | $400,000 | 4,798 |
| Income before extraordinary items | $1,615,000 | 2,844 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,615,000 | 2,878 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 7,780 |
| Cash dividends | $317,000 | 3,875 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,543,800 | 2,776 |
* 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.