Home > Citizens Federal Savings Bank > Income and Expense
Citizens Federal Savings Bank, Income and Expense
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,478,000 | 7,563 |
| Total interest expense | $1,978,000 | 5,889 |
| Net interest income | $1,500,000 | 9,103 |
| Provision for loan and lease losses | $41,000 | 7,900 |
| Total noninterest income | $562,000 | 5,183 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $562,000 | 3,011 |
| Total noninterest expense | $1,402,000 | 8,176 |
| Salaries and employee benefits | $621,000 | 8,626 |
| Premises and equipment expense | $322,000 | 5,558 |
| Additional noninterest expense | $459,000 | 8,630 |
| Pre-tax net operating income | $619,000 | 7,821 |
| Securities gains (losses) | $-2,000 | 12,373 |
| Applicable income taxes | $233,000 | 7,046 |
| Income before extraordinary items | $384,000 | 8,591 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $384,000 | 8,757 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 7,578 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $894,000 | 500 |
| Net operating income | $385,280 | 8,323 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,670,000 | 7,951 |
| Total interest expense | $2,343,000 | 6,305 |
| Net interest income | $1,327,000 | 9,884 |
| Provision for loan and lease losses | $138,000 | 6,347 |
| Total noninterest income | $278,000 | 8,040 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $278,000 | 4,646 |
| Total noninterest expense | $1,345,000 | 8,497 |
| Salaries and employee benefits | $489,000 | 9,880 |
| Premises and equipment expense | $329,000 | 5,606 |
| Additional noninterest expense | $527,000 | 8,225 |
| Pre-tax net operating income | $122,000 | 11,786 |
| Securities gains (losses) | $103,000 | 2,957 |
| Applicable income taxes | $108,000 | 9,686 |
| Income before extraordinary items | $117,000 | 11,713 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $117,000 | 11,789 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 6,617 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $51,080 | 12,293 |
* 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.