Home > Citizens Federal Bank, F.S.B., a Federal Savings Bank > Income and Expense
Citizens Federal Bank, F.S.B., a Federal Savings Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $212,496,000 | 224 |
| Total interest expense | $142,808,000 | 185 |
| Net interest income | $69,688,000 | 303 |
| Provision for loan and lease losses | $3,150,000 | 420 |
| Total noninterest income | $35,980,000 | 259 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $35,980,000 | 197 |
| Total noninterest expense | $58,277,000 | 298 |
| Salaries and employee benefits | $24,675,000 | 291 |
| Premises and equipment expense | $13,478,000 | 197 |
| Additional noninterest expense | $20,124,000 | 337 |
| Pre-tax net operating income | $44,241,000 | 251 |
| Securities gains (losses) | $-1,971,000 | 10,911 |
| Applicable income taxes | $13,240,000 | 289 |
| Income before extraordinary items | $29,030,000 | 258 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $29,030,000 | 258 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,566,000 | 586 |
| Cash dividends | $6,846,000 | 495 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $30,389,990 | 244 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $181,439,000 | 281 |
| Total interest expense | $116,104,000 | 227 |
| Net interest income | $65,335,000 | 359 |
| Provision for loan and lease losses | $3,150,000 | 445 |
| Total noninterest income | $31,390,000 | 297 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $31,390,000 | 220 |
| Total noninterest expense | $68,412,000 | 314 |
| Salaries and employee benefits | $24,313,000 | 330 |
| Premises and equipment expense | $12,511,000 | 237 |
| Additional noninterest expense | $31,588,000 | 319 |
| Pre-tax net operating income | $25,163,000 | 386 |
| Securities gains (losses) | $-2,572,000 | 11,432 |
| Applicable income taxes | $7,195,000 | 450 |
| Income before extraordinary items | $15,396,000 | 423 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $15,396,000 | 424 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,142,000 | 442 |
| Cash dividends | $6,252,000 | 577 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $17,144,960 | 375 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $150,784,000 | 330 |
| Total interest expense | $98,186,000 | 268 |
| Net interest income | $52,598,000 | 439 |
| Provision for loan and lease losses | $1,550,000 | 695 |
| Total noninterest income | $25,397,000 | 350 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $63,000 | 310 |
| Additional Noninterest Income | $25,334,000 | 241 |
| Total noninterest expense | $51,880,000 | 384 |
| Salaries and employee benefits | $21,135,000 | 381 |
| Premises and equipment expense | $11,918,000 | 250 |
| Additional noninterest expense | $18,827,000 | 446 |
| Pre-tax net operating income | $24,565,000 | 412 |
| Securities gains (losses) | $-667,000 | 11,835 |
| Applicable income taxes | $7,453,000 | 453 |
| Income before extraordinary items | $16,445,000 | 409 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $16,445,000 | 408 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $879,000 | 954 |
| Cash dividends | $5,139,000 | 621 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $16,905,230 | 401 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $114,220,000 | 365 |
| Total interest expense | $66,414,000 | 305 |
| Net interest income | $47,806,000 | 455 |
| Provision for loan and lease losses | $3,146,000 | 415 |
| Total noninterest income | $17,070,000 | 411 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $17,070,000 | 306 |
| Total noninterest expense | $43,351,000 | 442 |
| Salaries and employee benefits | $18,871,000 | 415 |
| Premises and equipment expense | $10,000,000 | 296 |
| Additional noninterest expense | $14,480,000 | 535 |
| Pre-tax net operating income | $18,379,000 | 481 |
| Securities gains (losses) | $915,000 | 176 |
| Applicable income taxes | $5,844,000 | 510 |
| Income before extraordinary items | $13,450,000 | 450 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $13,450,000 | 449 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,414,000 | 714 |
| Cash dividends | $4,768,000 | 589 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $12,809,500 | 474 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $112,492,000 | 362 |
| Total interest expense | $65,979,000 | 289 |
| Net interest income | $46,513,000 | 462 |
| Provision for loan and lease losses | $6,312,000 | 367 |
| Total noninterest income | $14,290,000 | 476 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $14,290,000 | 344 |
| Total noninterest expense | $38,724,000 | 495 |
| Salaries and employee benefits | $15,435,000 | 494 |
| Premises and equipment expense | $8,781,000 | 322 |
| Additional noninterest expense | $14,508,000 | 586 |
| Pre-tax net operating income | $15,767,000 | 499 |
| Securities gains (losses) | $1,806,000 | 348 |
| Applicable income taxes | $6,936,000 | 426 |
| Income before extraordinary items | $10,637,000 | 516 |
| Extraordinary gains, net | $1,500,000 | 157 |
| Net income | $12,137,000 | 471 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,148,000 | 1,050 |
| Cash dividends | $1,226,000 | 1,490 |
| Sale, conversion, retirement of capital stock, net | $22,000,000 | 67 |
| Net operating income | $9,481,160 | 525 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $122,741,000 | 379 |
| Total interest expense | $78,365,000 | 305 |
| Net interest income | $44,376,000 | 486 |
| Provision for loan and lease losses | $3,652,000 | 729 |
| Total noninterest income | $8,740,000 | 656 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $8,740,000 | 474 |
| Total noninterest expense | $35,310,000 | 537 |
| Salaries and employee benefits | $12,572,000 | 579 |
| Premises and equipment expense | $8,319,000 | 340 |
| Additional noninterest expense | $14,419,000 | 587 |
| Pre-tax net operating income | $14,154,000 | 460 |
| Securities gains (losses) | $97,000 | 3,051 |
| Applicable income taxes | $5,983,000 | 419 |
| Income before extraordinary items | $8,268,000 | 579 |
| Extraordinary gains, net | $-30,000 | 13,538 |
| Net income | $8,238,000 | 583 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,499,000 | 663 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $31,580,000 | 40 |
| Net operating income | $8,205,920 | 527 |
* 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.