Home > Citizens First Bank > Income and Expense
Citizens First Bank, Income and Expense
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,720,000 | 5,934 |
| Total interest expense | $2,021,000 | 5,574 |
| Net interest income | $2,699,000 | 6,103 |
| Provision for loan and lease losses | $102,000 | 4,499 |
| Total noninterest income | $390,000 | 6,234 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $253,000 | 5,001 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $137,000 | 6,499 |
| Total noninterest expense | $1,825,000 | 6,634 |
| Salaries and employee benefits | $829,000 | 7,054 |
| Premises and equipment expense | $332,000 | 5,275 |
| Additional noninterest expense | $664,000 | 6,579 |
| Pre-tax net operating income | $1,162,000 | 5,360 |
| Securities gains (losses) | $66,000 | 993 |
| Applicable income taxes | $416,000 | 4,621 |
| Income before extraordinary items | $812,000 | 5,306 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $812,000 | 5,317 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,944 |
| Cash dividends | $375,000 | 3,898 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $768,440 | 5,581 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,854,000 | 8,578 |
| Total interest expense | $1,481,000 | 7,266 |
| Net interest income | $1,373,000 | 9,499 |
| Provision for loan and lease losses | $40,000 | 7,927 |
| Total noninterest income | $549,000 | 5,258 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $186,000 | 6,266 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $363,000 | 4,014 |
| Total noninterest expense | $1,583,000 | 7,551 |
| Salaries and employee benefits | $695,000 | 8,025 |
| Premises and equipment expense | $328,000 | 5,487 |
| Additional noninterest expense | $560,000 | 7,684 |
| Pre-tax net operating income | $299,000 | 10,253 |
| Securities gains (losses) | $-17,000 | 12,886 |
| Applicable income taxes | $75,000 | 10,332 |
| Income before extraordinary items | $207,000 | 10,560 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $207,000 | 10,668 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 8,917 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $219,410 | 10,187 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,233,000 | 8,585 |
| Total interest expense | $1,661,000 | 8,010 |
| Net interest income | $1,572,000 | 9,043 |
| Provision for loan and lease losses | $61,000 | 8,508 |
| Total noninterest income | $461,000 | 5,971 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $154,000 | 6,998 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $307,000 | 4,358 |
| Total noninterest expense | $1,748,000 | 7,120 |
| Salaries and employee benefits | $726,000 | 7,801 |
| Premises and equipment expense | $321,000 | 5,703 |
| Additional noninterest expense | $701,000 | 6,741 |
| Pre-tax net operating income | $224,000 | 10,846 |
| Securities gains (losses) | $11,000 | 6,349 |
| Applicable income taxes | $81,000 | 10,417 |
| Income before extraordinary items | $154,000 | 11,216 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $154,000 | 11,305 |
| 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 | $146,740 | 10,984 |
* 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.