Home > Citizens Bank & Trust > Income and Expense
Citizens Bank & Trust, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,516,000 | 6,383 |
| Total interest expense | $1,949,000 | 6,522 |
| Net interest income | $2,567,000 | 6,085 |
| Provision for loan and lease losses | $2,000 | 8,964 |
| Total noninterest income | $446,000 | 5,575 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $212,000 | 5,361 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $234,000 | 4,730 |
| Total noninterest expense | $1,270,000 | 7,759 |
| Salaries and employee benefits | $684,000 | 7,628 |
| Premises and equipment expense | $226,000 | 6,592 |
| Additional noninterest expense | $360,000 | 8,263 |
| Pre-tax net operating income | $1,741,000 | 3,828 |
| Securities gains (losses) | $2,000 | 3,501 |
| Applicable income taxes | $602,000 | 3,574 |
| Income before extraordinary items | $1,141,000 | 4,035 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,141,000 | 4,036 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 3,724 |
| Cash dividends | $700,000 | 2,732 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,139,700 | 3,984 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,318,000 | 6,665 |
| Total interest expense | $1,971,000 | 6,533 |
| Net interest income | $2,347,000 | 6,582 |
| Provision for loan and lease losses | $10,000 | 8,319 |
| Total noninterest income | $368,000 | 6,285 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $202,000 | 5,657 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $166,000 | 5,679 |
| Total noninterest expense | $1,240,000 | 8,078 |
| Salaries and employee benefits | $698,000 | 7,723 |
| Premises and equipment expense | $179,000 | 7,622 |
| Additional noninterest expense | $363,000 | 8,565 |
| Pre-tax net operating income | $1,465,000 | 4,536 |
| Securities gains (losses) | $1,000 | 3,512 |
| Applicable income taxes | $493,000 | 4,238 |
| Income before extraordinary items | $973,000 | 4,709 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $973,000 | 4,708 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 10,150 |
| Cash dividends | $850,000 | 2,314 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $972,340 | 4,685 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,658,000 | 7,121 |
| Total interest expense | $1,528,000 | 6,818 |
| Net interest income | $2,130,000 | 7,247 |
| Provision for loan and lease losses | $35,000 | 6,861 |
| Total noninterest income | $384,000 | 6,298 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $213,000 | 5,615 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $171,000 | 5,800 |
| Total noninterest expense | $1,244,000 | 8,448 |
| Salaries and employee benefits | $656,000 | 8,233 |
| Premises and equipment expense | $149,000 | 8,576 |
| Additional noninterest expense | $439,000 | 8,431 |
| Pre-tax net operating income | $1,235,000 | 5,130 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $371,000 | 5,041 |
| Income before extraordinary items | $864,000 | 5,057 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $864,000 | 5,063 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 5,521 |
| Cash dividends | $1,000,000 | 1,879 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $864,000 | 5,112 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,670,000 | 7,309 |
| Total interest expense | $1,423,000 | 7,458 |
| Net interest income | $2,247,000 | 7,043 |
| Provision for loan and lease losses | $180,000 | 4,132 |
| Total noninterest income | $383,000 | 6,682 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $224,000 | 5,526 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $159,000 | 6,378 |
| Total noninterest expense | $1,229,000 | 8,779 |
| Salaries and employee benefits | $640,000 | 8,474 |
| Premises and equipment expense | $145,000 | 9,044 |
| Additional noninterest expense | $444,000 | 8,785 |
| Pre-tax net operating income | $1,221,000 | 5,121 |
| Securities gains (losses) | $100,000 | 2,512 |
| Applicable income taxes | $415,000 | 4,873 |
| Income before extraordinary items | $906,000 | 5,063 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $906,000 | 5,215 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 9,724 |
| Cash dividends | $450,000 | 3,356 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $837,000 | 5,143 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,240,000 | 7,194 |
| Total interest expense | $1,828,000 | 7,543 |
| Net interest income | $2,412,000 | 6,769 |
| Provision for loan and lease losses | $180,000 | 5,503 |
| Total noninterest income | $466,000 | 5,923 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $227,000 | 5,480 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $239,000 | 5,118 |
| Total noninterest expense | $1,457,000 | 8,080 |
| Salaries and employee benefits | $737,000 | 7,712 |
| Premises and equipment expense | $169,000 | 8,579 |
| Additional noninterest expense | $551,000 | 7,976 |
| Pre-tax net operating income | $1,241,000 | 4,785 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $372,000 | 5,067 |
| Income before extraordinary items | $869,000 | 5,044 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $869,000 | 5,097 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 5,904 |
| Cash dividends | $468,000 | 2,956 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $869,000 | 4,738 |
* 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.