Home > Citizens Bank & Trust > Income and Expense
Citizens Bank & Trust, Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,076,000 | 4,514 |
| Total interest expense | $2,724,000 | 5,183 |
| Net interest income | $4,352,000 | 4,022 |
| Provision for loan and lease losses | $585,000 | 1,395 |
| Total noninterest income | $755,000 | 3,854 |
| Gross Fiduciary activities income | $1,000 | 1,568 |
| Service charges on deposit accounts | $588,000 | 2,306 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $166,000 | 5,679 |
| Total noninterest expense | $3,011,000 | 4,278 |
| Salaries and employee benefits | $1,782,000 | 3,681 |
| Premises and equipment expense | $395,000 | 4,595 |
| Additional noninterest expense | $834,000 | 5,082 |
| Pre-tax net operating income | $1,511,000 | 4,429 |
| Securities gains (losses) | $34,000 | 1,546 |
| Applicable income taxes | $566,000 | 3,817 |
| Income before extraordinary items | $979,000 | 4,688 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $979,000 | 4,687 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $775,000 | 1,052 |
| Cash dividends | $270,000 | 4,792 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $957,240 | 4,753 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,284,000 | 4,663 |
| Total interest expense | $2,166,000 | 5,240 |
| Net interest income | $4,118,000 | 4,267 |
| Provision for loan and lease losses | $621,000 | 1,304 |
| Total noninterest income | $842,000 | 3,558 |
| Gross Fiduciary activities income | $1,000 | 1,574 |
| Service charges on deposit accounts | $670,000 | 2,019 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $171,000 | 5,800 |
| Total noninterest expense | $3,293,000 | 4,069 |
| Salaries and employee benefits | $1,662,000 | 3,905 |
| Premises and equipment expense | $412,000 | 4,468 |
| Additional noninterest expense | $1,219,000 | 4,001 |
| Pre-tax net operating income | $1,046,000 | 5,767 |
| Securities gains (losses) | $7,000 | 2,440 |
| Applicable income taxes | $309,000 | 5,767 |
| Income before extraordinary items | $744,000 | 5,643 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $744,000 | 5,661 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $274,000 | 2,023 |
| Cash dividends | $188,000 | 5,649 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $739,030 | 5,747 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,759,000 | 5,145 |
| Total interest expense | $2,104,000 | 5,600 |
| Net interest income | $3,655,000 | 4,770 |
| Provision for loan and lease losses | $50,000 | 7,415 |
| Total noninterest income | $878,000 | 3,704 |
| Gross Fiduciary activities income | $2,000 | 1,590 |
| Service charges on deposit accounts | $670,000 | 2,039 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $206,000 | 5,576 |
| Total noninterest expense | $3,499,000 | 3,909 |
| Salaries and employee benefits | $1,668,000 | 3,881 |
| Premises and equipment expense | $400,000 | 4,714 |
| Additional noninterest expense | $1,431,000 | 3,643 |
| Pre-tax net operating income | $984,000 | 5,951 |
| Securities gains (losses) | $-31,000 | 13,009 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $953,000 | 4,866 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $953,000 | 5,011 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $148,000 | 3,696 |
| Cash dividends | $205,000 | 5,330 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $984,000 | 4,517 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,063,000 | 5,434 |
| Total interest expense | $2,654,000 | 5,712 |
| Net interest income | $3,409,000 | 5,122 |
| Provision for loan and lease losses | $411,000 | 3,396 |
| Total noninterest income | $905,000 | 3,598 |
| Gross Fiduciary activities income | $1,000 | 1,642 |
| Service charges on deposit accounts | $631,000 | 2,156 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $273,000 | 4,700 |
| Total noninterest expense | $3,946,000 | 3,547 |
| Salaries and employee benefits | $1,593,000 | 4,002 |
| Premises and equipment expense | $381,000 | 4,982 |
| Additional noninterest expense | $1,972,000 | 2,838 |
| Pre-tax net operating income | $-43,000 | 12,848 |
| Securities gains (losses) | $76,000 | 3,457 |
| Applicable income taxes | $9,000 | 12,400 |
| Income before extraordinary items | $24,000 | 12,750 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $24,000 | 12,747 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,083,000 | 1,488 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-31,480 | 12,777 |
* 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.