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Citizens Federal Savings Association, Income and Expense
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $724,000 | 12,778 |
| Total interest expense | $1,418,000 | 7,478 |
| Net interest income | $-694,000 | 13,257 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $866,000 | 3,747 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $866,000 | 2,260 |
| Total noninterest expense | $1,457,000 | 7,974 |
| Salaries and employee benefits | $532,000 | 9,364 |
| Premises and equipment expense | $327,000 | 5,499 |
| Additional noninterest expense | $598,000 | 7,361 |
| Pre-tax net operating income | $-1,285,000 | 13,015 |
| Securities gains (losses) | $7,000 | 5,826 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $-1,278,000 | 13,031 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-1,278,000 | 13,033 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-1,285,000 | 12,998 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,398,000 | 10,088 |
| Total interest expense | $2,668,000 | 5,693 |
| Net interest income | $-270,000 | 13,921 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $304,000 | 7,675 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $304,000 | 4,389 |
| Total noninterest expense | $2,994,000 | 4,545 |
| Salaries and employee benefits | $532,000 | 9,460 |
| Premises and equipment expense | $367,000 | 5,151 |
| Additional noninterest expense | $2,095,000 | 2,691 |
| Pre-tax net operating income | $-2,960,000 | 13,714 |
| Securities gains (losses) | $-1,039,000 | 13,913 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-3,999,000 | 13,769 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-3,999,000 | 13,767 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-2,960,000 | 13,698 |
* 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.