Home > Citizens Bank & Trust > Income and Expense
Citizens Bank & Trust, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,661,000 | 4,135 |
| Total interest expense | $2,650,000 | 5,182 |
| Net interest income | $5,011,000 | 3,479 |
| Provision for loan and lease losses | $22,000 | 7,821 |
| Total noninterest income | $1,319,000 | 2,432 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $476,000 | 2,745 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $843,000 | 1,963 |
| Total noninterest expense | $4,645,000 | 2,748 |
| Salaries and employee benefits | $2,564,000 | 2,582 |
| Premises and equipment expense | $896,000 | 2,187 |
| Additional noninterest expense | $1,185,000 | 3,396 |
| Pre-tax net operating income | $1,663,000 | 4,107 |
| Securities gains (losses) | $-3,000 | 9,416 |
| Applicable income taxes | $556,000 | 3,901 |
| Income before extraordinary items | $1,104,000 | 4,351 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,104,000 | 4,352 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 4,315 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,106,010 | 4,270 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,904,000 | 4,636 |
| Total interest expense | $2,148,000 | 6,128 |
| Net interest income | $4,756,000 | 3,712 |
| Provision for loan and lease losses | $-168,000 | 11,320 |
| Total noninterest income | $1,008,000 | 3,105 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $442,000 | 3,062 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $566,000 | 2,679 |
| Total noninterest expense | $5,096,000 | 2,677 |
| Salaries and employee benefits | $3,205,000 | 2,080 |
| Premises and equipment expense | $775,000 | 2,529 |
| Additional noninterest expense | $1,116,000 | 4,012 |
| Pre-tax net operating income | $836,000 | 6,345 |
| Securities gains (losses) | $16,000 | 2,154 |
| Applicable income taxes | $272,000 | 6,150 |
| Income before extraordinary items | $580,000 | 6,398 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $580,000 | 6,400 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 7,424 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $569,120 | 6,385 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,973,000 | 4,569 |
| Total interest expense | $2,082,000 | 6,295 |
| Net interest income | $4,891,000 | 3,617 |
| Provision for loan and lease losses | $-107,000 | 11,733 |
| Total noninterest income | $1,267,000 | 2,596 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $465,000 | 2,923 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $802,000 | 2,104 |
| Total noninterest expense | $3,833,000 | 3,459 |
| Salaries and employee benefits | $2,107,000 | 3,143 |
| Premises and equipment expense | $749,000 | 2,643 |
| Additional noninterest expense | $977,000 | 4,442 |
| Pre-tax net operating income | $2,432,000 | 2,928 |
| Securities gains (losses) | $-81,000 | 11,397 |
| Applicable income taxes | $850,000 | 2,742 |
| Income before extraordinary items | $1,501,000 | 3,251 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,501,000 | 3,250 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-110,000 | 11,752 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,552,840 | 3,121 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,811,000 | 5,010 |
| Total interest expense | $1,558,000 | 6,729 |
| Net interest income | $4,253,000 | 4,142 |
| Provision for loan and lease losses | $50,000 | 6,087 |
| Total noninterest income | $1,044,000 | 3,014 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $506,000 | 2,706 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $538,000 | 2,818 |
| Total noninterest expense | $3,506,000 | 3,844 |
| Salaries and employee benefits | $1,820,000 | 3,582 |
| Premises and equipment expense | $709,000 | 2,794 |
| Additional noninterest expense | $977,000 | 4,804 |
| Pre-tax net operating income | $1,741,000 | 3,871 |
| Securities gains (losses) | $-2,000 | 9,023 |
| Applicable income taxes | $555,000 | 3,738 |
| Income before extraordinary items | $1,184,000 | 3,909 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,184,000 | 3,914 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 3,709 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,185,360 | 3,938 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,203,000 | 5,581 |
| Total interest expense | $1,467,000 | 7,316 |
| Net interest income | $3,736,000 | 4,688 |
| Provision for loan and lease losses | $250,000 | 3,377 |
| Total noninterest income | $788,000 | 4,034 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $472,000 | 2,961 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $316,000 | 4,329 |
| Total noninterest expense | $2,796,000 | 4,801 |
| Salaries and employee benefits | $1,410,000 | 4,520 |
| Premises and equipment expense | $615,000 | 3,252 |
| Additional noninterest expense | $771,000 | 6,100 |
| Pre-tax net operating income | $1,478,000 | 4,384 |
| Securities gains (losses) | $3,000 | 6,505 |
| Applicable income taxes | $534,000 | 3,955 |
| Income before extraordinary items | $947,000 | 4,894 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $947,000 | 5,037 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 11,785 |
| Cash dividends | $60,000 | 7,697 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $945,080 | 4,680 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,169,000 | 6,216 |
| Total interest expense | $1,779,000 | 7,675 |
| Net interest income | $3,390,000 | 5,154 |
| Provision for loan and lease losses | $275,000 | 4,347 |
| Total noninterest income | $439,000 | 6,174 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $379,000 | 3,666 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $60,000 | 9,797 |
| Total noninterest expense | $2,582,000 | 5,160 |
| Salaries and employee benefits | $1,232,000 | 5,040 |
| Premises and equipment expense | $597,000 | 3,374 |
| Additional noninterest expense | $753,000 | 6,401 |
| Pre-tax net operating income | $972,000 | 5,742 |
| Securities gains (losses) | $21,000 | 5,524 |
| Applicable income taxes | $363,000 | 5,177 |
| Income before extraordinary items | $630,000 | 6,371 |
| Extraordinary gains, net | $71,000 | 881 |
| Net income | $701,000 | 5,987 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 5,459 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $616,560 | 6,095 |
* 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.