Home > Citizens Bank & Trust Company > Income and Expense
Citizens Bank & Trust Company, Income and Expense
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,690,000 | 5,965 |
| Total interest expense | $1,724,000 | 6,277 |
| Net interest income | $2,966,000 | 5,655 |
| Provision for loan and lease losses | $1,428,000 | 731 |
| Total noninterest income | $629,000 | 4,488 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $399,000 | 3,383 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $230,000 | 4,815 |
| Total noninterest expense | $2,456,000 | 5,241 |
| Salaries and employee benefits | $989,000 | 6,141 |
| Premises and equipment expense | $281,000 | 5,988 |
| Additional noninterest expense | $1,186,000 | 4,093 |
| Pre-tax net operating income | $-289,000 | 12,306 |
| Securities gains (losses) | $-94,000 | 11,489 |
| Applicable income taxes | $-191,000 | 12,384 |
| Income before extraordinary items | $-192,000 | 12,221 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-192,000 | 12,221 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,498,000 | 686 |
| Cash dividends | $589,000 | 2,869 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $-131,840 | 12,201 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,915,000 | 5,866 |
| Total interest expense | $1,683,000 | 6,674 |
| Net interest income | $3,232,000 | 5,303 |
| Provision for loan and lease losses | $550,000 | 1,962 |
| Total noninterest income | $508,000 | 5,538 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $345,000 | 3,933 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $163,000 | 6,291 |
| Total noninterest expense | $2,204,000 | 5,859 |
| Salaries and employee benefits | $912,000 | 6,642 |
| Premises and equipment expense | $296,000 | 5,922 |
| Additional noninterest expense | $996,000 | 4,939 |
| Pre-tax net operating income | $986,000 | 5,939 |
| Securities gains (losses) | $12,000 | 5,266 |
| Applicable income taxes | $332,000 | 5,710 |
| Income before extraordinary items | $666,000 | 6,315 |
| Extraordinary gains, net | $2,000 | 3,122 |
| Net income | $668,000 | 6,477 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $451,000 | 1,895 |
| Cash dividends | $444,000 | 3,422 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $657,960 | 6,136 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,958,000 | 6,432 |
| Total interest expense | $1,902,000 | 7,348 |
| Net interest income | $3,056,000 | 5,632 |
| Provision for loan and lease losses | $325,000 | 3,946 |
| Total noninterest income | $435,000 | 6,209 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $241,000 | 5,260 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $194,000 | 5,772 |
| Total noninterest expense | $2,126,000 | 6,095 |
| Salaries and employee benefits | $825,000 | 7,103 |
| Premises and equipment expense | $306,000 | 5,879 |
| Additional noninterest expense | $995,000 | 5,070 |
| Pre-tax net operating income | $1,040,000 | 5,473 |
| Securities gains (losses) | $16,000 | 5,884 |
| Applicable income taxes | $361,000 | 5,207 |
| Income before extraordinary items | $695,000 | 5,961 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $695,000 | 6,033 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $269,000 | 3,563 |
| Cash dividends | $620,000 | 2,345 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $684,440 | 5,677 |
* 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.