Home > Citizens Bank of Virginia > Income and Expense
Citizens Bank of Virginia, Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $13,186,000 | 2,538 |
| Total interest expense | $7,298,000 | 2,132 |
| Net interest income | $5,888,000 | 3,024 |
| Provision for loan and lease losses | $300,000 | 2,267 |
| Total noninterest income | $803,000 | 3,678 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $636,000 | 2,137 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $167,000 | 5,659 |
| Total noninterest expense | $5,257,000 | 2,582 |
| Salaries and employee benefits | $2,183,000 | 3,051 |
| Premises and equipment expense | $1,462,000 | 1,412 |
| Additional noninterest expense | $1,612,000 | 2,898 |
| Pre-tax net operating income | $1,134,000 | 5,474 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $376,000 | 5,161 |
| Income before extraordinary items | $758,000 | 5,668 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $758,000 | 5,667 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 4,707 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $758,000 | 5,647 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,483,000 | 3,529 |
| Total interest expense | $3,373,000 | 3,559 |
| Net interest income | $5,110,000 | 3,483 |
| Provision for loan and lease losses | $240,000 | 2,662 |
| Total noninterest income | $555,000 | 4,924 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $466,000 | 2,968 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $89,000 | 7,880 |
| Total noninterest expense | $5,039,000 | 2,764 |
| Salaries and employee benefits | $2,189,000 | 3,023 |
| Premises and equipment expense | $1,398,000 | 1,486 |
| Additional noninterest expense | $1,452,000 | 3,411 |
| Pre-tax net operating income | $386,000 | 9,468 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $208,000 | 7,209 |
| Income before extraordinary items | $178,000 | 10,518 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $178,000 | 10,524 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-378,000 | 12,508 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $178,000 | 10,565 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,532,000 | 4,589 |
| Total interest expense | $2,547,000 | 4,738 |
| Net interest income | $3,985,000 | 4,420 |
| Provision for loan and lease losses | $150,000 | 4,621 |
| Total noninterest income | $370,000 | 6,805 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $291,000 | 4,531 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $79,000 | 8,670 |
| Total noninterest expense | $4,005,000 | 3,493 |
| Salaries and employee benefits | $1,800,000 | 3,613 |
| Premises and equipment expense | $993,000 | 2,064 |
| Additional noninterest expense | $1,212,000 | 4,158 |
| Pre-tax net operating income | $200,000 | 11,037 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $70,000 | 10,475 |
| Income before extraordinary items | $130,000 | 11,455 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $130,000 | 11,520 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $507,000 | 1,745 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $130,000 | 11,243 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,674,000 | 5,740 |
| Total interest expense | $2,887,000 | 5,320 |
| Net interest income | $2,787,000 | 6,068 |
| Provision for loan and lease losses | $1,190,000 | 1,652 |
| Total noninterest income | $278,000 | 8,040 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $203,000 | 5,939 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $75,000 | 9,058 |
| Total noninterest expense | $3,610,000 | 3,828 |
| Salaries and employee benefits | $1,574,000 | 4,045 |
| Premises and equipment expense | $758,000 | 2,736 |
| Additional noninterest expense | $1,278,000 | 4,105 |
| Pre-tax net operating income | $-1,735,000 | 13,601 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $-590,000 | 13,773 |
| Income before extraordinary items | $-1,145,000 | 13,575 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-1,145,000 | 13,573 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,232,000 | 1,379 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-1,145,000 | 13,512 |
* 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.