Home > Citizens Bank of Kentucky > Income and Expense
Citizens Bank of Kentucky, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $61,303,000 | 591 |
| Total interest expense | $28,878,000 | 595 |
| Net interest income | $32,425,000 | 576 |
| Provision for loan and lease losses | $4,359,000 | 348 |
| Total noninterest income | $7,843,000 | 673 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $2,735,000 | 487 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $5,108,000 | 609 |
| Total noninterest expense | $25,541,000 | 593 |
| Salaries and employee benefits | $12,026,000 | 577 |
| Premises and equipment expense | $3,146,000 | 665 |
| Additional noninterest expense | $10,369,000 | 576 |
| Pre-tax net operating income | $10,368,000 | 793 |
| Securities gains (losses) | $188,000 | 740 |
| Applicable income taxes | $3,287,000 | 858 |
| Income before extraordinary items | $7,269,000 | 776 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $7,269,000 | 778 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,067,000 | 379 |
| Cash dividends | $3,809,000 | 778 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $7,139,280 | 767 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $54,843,000 | 680 |
| Total interest expense | $26,143,000 | 683 |
| Net interest income | $28,700,000 | 677 |
| Provision for loan and lease losses | $1,648,000 | 716 |
| Total noninterest income | $8,249,000 | 669 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $2,625,000 | 521 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $5,624,000 | 602 |
| Total noninterest expense | $25,524,000 | 639 |
| Salaries and employee benefits | $11,527,000 | 604 |
| Premises and equipment expense | $3,021,000 | 733 |
| Additional noninterest expense | $10,976,000 | 622 |
| Pre-tax net operating income | $9,777,000 | 802 |
| Securities gains (losses) | $-28,000 | 10,807 |
| Applicable income taxes | $3,201,000 | 826 |
| Income before extraordinary items | $6,548,000 | 830 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $6,548,000 | 831 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,988,000 | 578 |
| Cash dividends | $4,780,000 | 694 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $6,566,760 | 797 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $37,311,000 | 954 |
| Total interest expense | $18,972,000 | 918 |
| Net interest income | $18,339,000 | 1,004 |
| Provision for loan and lease losses | $660,000 | 1,260 |
| Total noninterest income | $4,673,000 | 1,002 |
| Gross Fiduciary activities income | $335,000 | 853 |
| Service charges on deposit accounts | $2,378,000 | 587 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,960,000 | 1,143 |
| Total noninterest expense | $15,412,000 | 985 |
| Salaries and employee benefits | $5,797,000 | 1,156 |
| Premises and equipment expense | $1,553,000 | 1,330 |
| Additional noninterest expense | $8,062,000 | 795 |
| Pre-tax net operating income | $6,940,000 | 1,118 |
| Securities gains (losses) | $758,000 | 267 |
| Applicable income taxes | $2,564,000 | 1,026 |
| Income before extraordinary items | $5,134,000 | 1,044 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $5,134,000 | 1,041 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $899,000 | 942 |
| Cash dividends | $2,584,000 | 1,029 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $4,626,140 | 1,120 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $30,825,000 | 1,031 |
| Total interest expense | $12,761,000 | 1,036 |
| Net interest income | $18,064,000 | 1,021 |
| Provision for loan and lease losses | $543,000 | 1,441 |
| Total noninterest income | $4,322,000 | 1,022 |
| Gross Fiduciary activities income | $294,000 | 910 |
| Service charges on deposit accounts | $2,025,000 | 680 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $2,003,000 | 1,131 |
| Total noninterest expense | $15,030,000 | 1,010 |
| Salaries and employee benefits | $6,055,000 | 1,114 |
| Premises and equipment expense | $1,644,000 | 1,270 |
| Additional noninterest expense | $7,331,000 | 881 |
| Pre-tax net operating income | $6,813,000 | 1,112 |
| Securities gains (losses) | $1,000 | 3,293 |
| Applicable income taxes | $2,164,000 | 1,120 |
| Income before extraordinary items | $4,650,000 | 1,092 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $4,650,000 | 1,089 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $384,000 | 1,632 |
| Cash dividends | $4,858,000 | 585 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $4,649,320 | 1,095 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,819,000 | 5,961 |
| Total interest expense | $1,858,000 | 6,188 |
| Net interest income | $2,961,000 | 5,714 |
| Provision for loan and lease losses | $60,000 | 6,949 |
| Total noninterest income | $371,000 | 6,791 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $292,000 | 4,524 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $79,000 | 8,670 |
| Total noninterest expense | $2,080,000 | 6,132 |
| Salaries and employee benefits | $975,000 | 6,275 |
| Premises and equipment expense | $240,000 | 6,887 |
| Additional noninterest expense | $865,000 | 5,553 |
| Pre-tax net operating income | $1,192,000 | 5,209 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $327,000 | 5,764 |
| Income before extraordinary items | $865,000 | 5,237 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $865,000 | 5,381 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 6,315 |
| Cash dividends | $147,000 | 6,184 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $865,000 | 5,027 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,143,000 | 6,250 |
| Total interest expense | $2,245,000 | 6,518 |
| Net interest income | $2,898,000 | 5,879 |
| Provision for loan and lease losses | $80,000 | 7,886 |
| Total noninterest income | $391,000 | 6,637 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $365,000 | 3,767 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $26,000 | 12,093 |
| Total noninterest expense | $1,915,000 | 6,616 |
| Salaries and employee benefits | $1,053,000 | 5,770 |
| Premises and equipment expense | $224,000 | 7,300 |
| Additional noninterest expense | $638,000 | 7,192 |
| Pre-tax net operating income | $1,294,000 | 4,623 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $374,000 | 5,049 |
| Income before extraordinary items | $920,000 | 4,853 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $920,000 | 4,900 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 12,482 |
| Cash dividends | $113,000 | 6,338 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $920,000 | 4,526 |
* 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.