Home > Citizens Financial Bank, Inc. > Income and Expense

Citizens Financial Bank, Inc., Income and Expense

2004-12-31 (YTD Data)Rank
Total interest income$2,282,0007,099
Total interest expense$1,155,0005,227
Net interest income$1,127,0007,850
Provision for loan and lease losses$65,0005,573
Total noninterest income$214,0007,034
Gross Fiduciary activities income$01,582
Service charges on deposit accounts$122,0006,146
Trading account gains and fees$0138
Additional Noninterest Income$92,0006,549
Total noninterest expense$1,264,0007,331
Salaries and employee benefits$556,0007,817
Premises and equipment expense$143,0007,408
Additional noninterest expense$565,0006,176
Pre-tax net operating income$12,0008,357
Securities gains (losses)$03,819
Applicable income taxes$18,0006,584
Income before extraordinary items$-6,0008,441
Extraordinary gains, net$034
Net income$-6,0008,443
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$91,0003,779
Cash dividends$06,149
Sale, conversion, retirement of capital stock, net$0872
Net operating income$-6,0008,409
2004-09-30 (YTD Data)Rank
Total interest income$1,728,0007,112
Total interest expense$919,0005,030
Net interest income$809,0007,947
Provision for loan and lease losses$52,0005,339
Total noninterest income$184,0006,840
Gross Fiduciary activities income$01,547
Service charges on deposit accounts$97,0006,103
Trading account gains and fees$0134
Additional Noninterest Income$87,0006,182
Total noninterest expense$941,0007,311
Salaries and employee benefits$405,0007,827
Premises and equipment expense$107,0007,387
Additional noninterest expense$429,0006,093
Pre-tax net operating income$08,460
Securities gains (losses)$03,710
Applicable income taxes$13,0006,704
Income before extraordinary items$-13,0008,527
Extraordinary gains, net$026
Net income$-13,0008,530
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$91,0002,946
Cash dividends$05,363
Sale, conversion, retirement of capital stock, net$0738
Net operating income$-13,0008,495
2004-06-30 (YTD Data)Rank
Total interest income$1,138,0007,168
Total interest expense$611,0005,054
Net interest income$527,0008,022
Provision for loan and lease losses$25,0005,618
Total noninterest income$125,0006,821
Gross Fiduciary activities income$01,518
Service charges on deposit accounts$64,0006,133
Trading account gains and fees$0130
Additional Noninterest Income$61,0006,105
Total noninterest expense$622,0007,384
Salaries and employee benefits$261,0007,943
Premises and equipment expense$70,0007,453
Additional noninterest expense$291,0006,062
Pre-tax net operating income$5,0008,492
Securities gains (losses)$03,413
Applicable income taxes$14,0006,499
Income before extraordinary items$-9,0008,604
Extraordinary gains, net$021
Net income$-9,0008,605
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$81,0002,427
Cash dividends$05,087
Sale, conversion, retirement of capital stock, net$0638
Net operating income$-9,0008,556
2004-03-31 (YTD Data)Rank
Total interest income$588,0007,134
Total interest expense$300,0005,164
Net interest income$288,0007,917
Provision for loan and lease losses$18,0004,919
Total noninterest income$60,0006,866
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$32,0006,092
Trading account gains and fees$0121
Additional Noninterest Income$28,0006,237
Total noninterest expense$328,0007,286
Salaries and employee benefits$143,0007,805
Premises and equipment expense$34,0007,562
Additional noninterest expense$151,0005,975
Pre-tax net operating income$2,0008,516
Securities gains (losses)$02,934
Applicable income taxes$13,0006,097
Income before extraordinary items$-11,0008,658
Extraordinary gains, net$016
Net income$-11,0008,658
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$83,0001,482
Cash dividends$03,841
Sale, conversion, retirement of capital stock, net$0464
Net operating income$-11,0008,607
2003-12-31 (YTD Data)Rank
Total interest income$2,134,0007,421
Total interest expense$1,017,0006,071
Net interest income$1,117,0007,930
Provision for loan and lease losses$425,0002,459
Total noninterest income$196,0007,390
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$101,0006,541
Trading account gains and fees$0160
Additional Noninterest Income$95,0006,619
Total noninterest expense$1,091,0007,687
Salaries and employee benefits$513,0008,032
Premises and equipment expense$149,0007,409
Additional noninterest expense$429,0006,971
Pre-tax net operating income$-203,0008,686
Securities gains (losses)$04,500
Applicable income taxes$-497,0009,089
Income before extraordinary items$294,0007,305
Extraordinary gains, net$054
Net income$294,0007,307
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$33,0005,589
Cash dividends$06,283
Sale, conversion, retirement of capital stock, net$0868
Net operating income$294,0007,161
2003-09-30 (YTD Data)Rank
Total interest income$1,543,0007,565
Total interest expense$724,0006,366
Net interest income$819,0008,047
Provision for loan and lease losses$397,0002,039
Total noninterest income$143,0007,471
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$65,0006,831
Trading account gains and fees$0153
Additional Noninterest Income$78,0006,505
Total noninterest expense$803,0007,729
Salaries and employee benefits$396,0007,951
Premises and equipment expense$111,0007,438
Additional noninterest expense$296,0007,173
Pre-tax net operating income$-238,0008,840
Securities gains (losses)$04,204
Applicable income taxes$-497,0009,170
Income before extraordinary items$259,0007,198
Extraordinary gains, net$040
Net income$259,0007,199
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$12,0005,833
Cash dividends$05,519
Sale, conversion, retirement of capital stock, net$0722
Net operating income$259,0007,037
2003-06-30 (YTD Data)Rank
Total interest income$966,0007,776
Total interest expense$442,0006,726
Net interest income$524,0008,147
Provision for loan and lease losses$218,0002,361
Total noninterest income$88,0007,612
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$33,0007,215
Trading account gains and fees$0150
Additional Noninterest Income$55,0006,401
Total noninterest expense$520,0007,811
Salaries and employee benefits$264,0007,974
Premises and equipment expense$67,0007,633
Additional noninterest expense$189,0007,286
Pre-tax net operating income$-126,0008,859
Securities gains (losses)$03,782
Applicable income taxes$07,529
Income before extraordinary items$-126,0008,942
Extraordinary gains, net$030
Net income$-126,0008,942
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,0006,334
Cash dividends$05,215
Sale, conversion, retirement of capital stock, net$0589
Net operating income$-126,0008,862
2003-03-31 (YTD Data)Rank
Total interest income$443,0007,987
Total interest expense$195,0007,150
Net interest income$248,0008,261
Provision for loan and lease losses$59,0003,475
Total noninterest income$37,0007,862
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$13,0007,452
Trading account gains and fees$0134
Additional Noninterest Income$24,0006,621
Total noninterest expense$266,0007,785
Salaries and employee benefits$143,0007,841
Premises and equipment expense$30,0007,859
Additional noninterest expense$93,0007,327
Pre-tax net operating income$-40,0008,862
Securities gains (losses)$02,891
Applicable income taxes$07,403
Income before extraordinary items$-40,0008,931
Extraordinary gains, net$021
Net income$-40,0008,928
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,539
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$0419
Net operating income$-40,0008,842
2002-12-31 (YTD Data)Rank
Total interest income$1,233,0008,651
Total interest expense$614,0008,048
Net interest income$619,0008,861
Provision for loan and lease losses$228,0004,082
Total noninterest income$107,0008,315
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$37,0007,739
Trading account gains and fees$0153
Additional Noninterest Income$70,0007,078
Total noninterest expense$853,0008,238
Salaries and employee benefits$437,0008,365
Premises and equipment expense$102,0008,142
Additional noninterest expense$314,0007,712
Pre-tax net operating income$-355,0008,921
Securities gains (losses)$04,537
Applicable income taxes$07,681
Income before extraordinary items$-355,0008,993
Extraordinary gains, net$070
Net income$-355,0008,993
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$45,0005,417
Cash dividends$06,377
Sale, conversion, retirement of capital stock, net$42,000726
Net operating income$-355,0008,948
2001-12-31 (YTD Data)Rank
Total interest income$268,0009,514
Total interest expense$148,0009,434
Net interest income$120,0009,545
Provision for loan and lease losses$47,0006,791
Total noninterest income$12,0009,464
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$5,0008,315
Trading account gains and fees$0177
Additional Noninterest Income$7,0009,251
Total noninterest expense$921,0008,161
Salaries and employee benefits$410,0008,580
Premises and equipment expense$114,0008,091
Additional noninterest expense$397,0007,167
Pre-tax net operating income$-836,0009,299
Securities gains (losses)$04,612
Applicable income taxes$07,903
Income before extraordinary items$-836,0009,371
Extraordinary gains, net$0105
Net income$-836,0009,372
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,777
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$4,888,000200
Net operating income$-836,0009,337

* 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.