Home > Citizens Bank, Inc. > Income and Expense
Citizens Bank, Inc., Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $15,024,000 | 2,328 |
| Total interest expense | $9,149,000 | 1,885 |
| Net interest income | $5,875,000 | 3,016 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $359,000 | 5,829 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $359,000 | 3,579 |
| Total noninterest expense | $4,467,000 | 3,017 |
| Salaries and employee benefits | $2,648,000 | 2,689 |
| Premises and equipment expense | $801,000 | 2,564 |
| Additional noninterest expense | $1,018,000 | 3,939 |
| Pre-tax net operating income | $1,767,000 | 3,614 |
| Securities gains (losses) | $22,000 | 930 |
| Applicable income taxes | $679,000 | 2,853 |
| Income before extraordinary items | $1,110,000 | 4,076 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,110,000 | 4,077 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $308,000 | 4,419 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,095,920 | 4,120 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $13,570,000 | 2,411 |
| Total interest expense | $7,942,000 | 1,893 |
| Net interest income | $5,628,000 | 3,080 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $401,000 | 5,606 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $401,000 | 3,409 |
| Total noninterest expense | $3,652,000 | 3,583 |
| Salaries and employee benefits | $1,952,000 | 3,523 |
| Premises and equipment expense | $720,000 | 2,808 |
| Additional noninterest expense | $980,000 | 4,082 |
| Pre-tax net operating income | $2,377,000 | 2,911 |
| Securities gains (losses) | $68,000 | 876 |
| Applicable income taxes | $913,000 | 2,360 |
| Income before extraordinary items | $1,532,000 | 3,186 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,532,000 | 3,187 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $444,000 | 3,745 |
| Sale, conversion, retirement of capital stock, net | $968,000 | 522 |
| Net operating income | $1,488,480 | 3,223 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $13,789,000 | 2,365 |
| Total interest expense | $8,935,000 | 1,718 |
| Net interest income | $4,854,000 | 3,503 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $416,000 | 5,488 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $21,000 | 8,696 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $395,000 | 3,462 |
| Total noninterest expense | $3,134,000 | 3,964 |
| Salaries and employee benefits | $1,495,000 | 4,244 |
| Premises and equipment expense | $508,000 | 3,654 |
| Additional noninterest expense | $1,131,000 | 3,546 |
| Pre-tax net operating income | $2,136,000 | 3,169 |
| Securities gains (losses) | $89,000 | 1,361 |
| Applicable income taxes | $809,000 | 2,714 |
| Income before extraordinary items | $1,416,000 | 3,404 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,416,000 | 3,404 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,100 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $8,932,000 | 117 |
| Net operating income | $1,359,040 | 3,438 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $14,106,000 | 2,311 |
| Total interest expense | $9,844,000 | 1,576 |
| Net interest income | $4,262,000 | 4,011 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $351,000 | 6,164 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $40,000 | 8,677 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $311,000 | 3,838 |
| Total noninterest expense | $3,125,000 | 3,961 |
| Salaries and employee benefits | $1,415,000 | 4,464 |
| Premises and equipment expense | $378,000 | 4,634 |
| Additional noninterest expense | $1,332,000 | 3,036 |
| Pre-tax net operating income | $1,488,000 | 4,522 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $514,000 | 4,132 |
| Income before extraordinary items | $974,000 | 4,790 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $974,000 | 4,789 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 9,883 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $974,000 | 4,730 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $13,627,000 | 2,449 |
| Total interest expense | $9,795,000 | 1,622 |
| Net interest income | $3,832,000 | 4,489 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $361,000 | 6,314 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $39,000 | 9,136 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $322,000 | 3,909 |
| Total noninterest expense | $3,929,000 | 3,403 |
| Salaries and employee benefits | $1,230,000 | 5,089 |
| Premises and equipment expense | $331,000 | 5,217 |
| Additional noninterest expense | $2,368,000 | 2,107 |
| Pre-tax net operating income | $264,000 | 9,376 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $65,000 | 9,414 |
| Income before extraordinary items | $199,000 | 9,312 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $199,000 | 9,315 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,767 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $199,000 | 9,253 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $14,443,000 | 2,333 |
| Total interest expense | $10,282,000 | 1,557 |
| Net interest income | $4,161,000 | 4,174 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $368,000 | 6,285 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $41,000 | 9,495 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $327,000 | 3,798 |
| Total noninterest expense | $3,002,000 | 4,293 |
| Salaries and employee benefits | $1,201,000 | 5,212 |
| Premises and equipment expense | $334,000 | 5,206 |
| Additional noninterest expense | $1,467,000 | 3,151 |
| Pre-tax net operating income | $1,527,000 | 4,391 |
| Securities gains (losses) | $27,000 | 1,701 |
| Applicable income taxes | $605,000 | 3,636 |
| Income before extraordinary items | $949,000 | 4,792 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $949,000 | 4,791 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $931,720 | 4,851 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $12,534,000 | 2,421 |
| Total interest expense | $7,356,000 | 1,701 |
| Net interest income | $5,178,000 | 3,451 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $489,000 | 5,377 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $39,000 | 10,069 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $450,000 | 3,168 |
| Total noninterest expense | $2,862,000 | 4,588 |
| Salaries and employee benefits | $1,173,000 | 5,354 |
| Premises and equipment expense | $356,000 | 5,034 |
| Additional noninterest expense | $1,333,000 | 3,694 |
| Pre-tax net operating income | $2,805,000 | 2,526 |
| Securities gains (losses) | $123,000 | 689 |
| Applicable income taxes | $1,155,000 | 1,954 |
| Income before extraordinary items | $1,773,000 | 2,728 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,773,000 | 2,729 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,694,280 | 2,871 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $11,920,000 | 2,587 |
| Total interest expense | $6,864,000 | 1,886 |
| Net interest income | $5,056,000 | 3,537 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $775,000 | 4,087 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $33,000 | 10,650 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $742,000 | 2,497 |
| Total noninterest expense | $2,760,000 | 4,834 |
| Salaries and employee benefits | $1,017,000 | 6,029 |
| Premises and equipment expense | $359,000 | 5,130 |
| Additional noninterest expense | $1,384,000 | 3,745 |
| Pre-tax net operating income | $3,071,000 | 2,218 |
| Securities gains (losses) | $193,000 | 1,738 |
| Applicable income taxes | $1,235,000 | 1,876 |
| Income before extraordinary items | $2,029,000 | 2,473 |
| Extraordinary gains, net | $513,000 | 457 |
| Net income | $2,542,000 | 2,039 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-61,000 | 12,756 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,905,480 | 2,480 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $12,670,000 | 2,777 |
| Total interest expense | $7,600,000 | 2,236 |
| Net interest income | $5,070,000 | 3,583 |
| Provision for loan and lease losses | $-132,000 | 13,745 |
| Total noninterest income | $835,000 | 3,853 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $835,000 | 2,256 |
| Total noninterest expense | $3,089,000 | 4,401 |
| Salaries and employee benefits | $1,214,000 | 5,105 |
| Premises and equipment expense | $659,000 | 3,087 |
| Additional noninterest expense | $1,216,000 | 4,296 |
| Pre-tax net operating income | $2,948,000 | 2,112 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $948,000 | 2,210 |
| Income before extraordinary items | $2,000,000 | 2,297 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,000,000 | 2,336 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 6,172 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,000,000 | 2,124 |
* 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.