Home > Citizens First Bank > Income and Expense
Citizens First Bank, Income and Expense
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,505,000 | 8,897 |
| Total interest expense | $808,000 | 9,566 |
| Net interest income | $1,697,000 | 8,317 |
| Provision for loan and lease losses | $89,000 | 4,852 |
| Total noninterest income | $394,000 | 6,198 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $267,000 | 4,793 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $127,000 | 6,755 |
| Total noninterest expense | $1,353,000 | 8,069 |
| Salaries and employee benefits | $629,000 | 8,413 |
| Premises and equipment expense | $186,000 | 7,731 |
| Additional noninterest expense | $538,000 | 7,536 |
| Pre-tax net operating income | $649,000 | 7,724 |
| Securities gains (losses) | $-57,000 | 11,138 |
| Applicable income taxes | $216,000 | 7,080 |
| Income before extraordinary items | $376,000 | 8,398 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $376,000 | 8,402 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 5,618 |
| Cash dividends | $51,000 | 7,890 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $412,480 | 8,119 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,125,000 | 9,939 |
| Total interest expense | $731,000 | 10,402 |
| Net interest income | $1,394,000 | 9,434 |
| Provision for loan and lease losses | $10,000 | 9,731 |
| Total noninterest income | $375,000 | 6,744 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $231,000 | 5,403 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $144,000 | 6,692 |
| Total noninterest expense | $1,184,000 | 8,958 |
| Salaries and employee benefits | $575,000 | 9,014 |
| Premises and equipment expense | $203,000 | 7,624 |
| Additional noninterest expense | $406,000 | 9,204 |
| Pre-tax net operating income | $575,000 | 8,127 |
| Securities gains (losses) | $-95,000 | 13,172 |
| Applicable income taxes | $161,000 | 8,402 |
| Income before extraordinary items | $319,000 | 9,250 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $319,000 | 9,418 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 9,155 |
| Cash dividends | $36,000 | 8,312 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $381,700 | 8,365 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,053,000 | 10,796 |
| Total interest expense | $907,000 | 10,836 |
| Net interest income | $1,146,000 | 10,526 |
| Provision for loan and lease losses | $70,000 | 8,246 |
| Total noninterest income | $337,000 | 7,259 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $205,000 | 5,892 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $132,000 | 7,114 |
| Total noninterest expense | $1,092,000 | 9,556 |
| Salaries and employee benefits | $528,000 | 9,501 |
| Premises and equipment expense | $162,000 | 8,785 |
| Additional noninterest expense | $402,000 | 9,542 |
| Pre-tax net operating income | $321,000 | 9,937 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $106,000 | 9,741 |
| Income before extraordinary items | $215,000 | 10,395 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $215,000 | 10,530 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 9,428 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $215,000 | 10,035 |
* 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.