Home > Citizens First Bank > Income and Expense
Citizens First Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,637,000 | 7,016 |
| Total interest expense | $1,431,000 | 7,517 |
| Net interest income | $2,206,000 | 6,518 |
| Provision for loan and lease losses | $1,040,000 | 963 |
| Total noninterest income | $404,000 | 5,689 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $75,000 | 7,762 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $329,000 | 3,726 |
| Total noninterest expense | $1,747,000 | 6,185 |
| Salaries and employee benefits | $781,000 | 6,875 |
| Premises and equipment expense | $184,000 | 7,131 |
| Additional noninterest expense | $782,000 | 4,810 |
| Pre-tax net operating income | $-177,000 | 10,547 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $-66,000 | 10,661 |
| Income before extraordinary items | $-111,000 | 10,532 |
| Extraordinary gains, net | $572,000 | 9 |
| Net income | $461,000 | 7,231 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 3,830 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-111,000 | 10,501 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,592,000 | 7,279 |
| Total interest expense | $1,537,000 | 7,476 |
| Net interest income | $2,055,000 | 7,034 |
| Provision for loan and lease losses | $54,000 | 6,461 |
| Total noninterest income | $336,000 | 6,555 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $242,000 | 4,935 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $94,000 | 7,318 |
| Total noninterest expense | $1,666,000 | 6,680 |
| Salaries and employee benefits | $787,000 | 7,044 |
| Premises and equipment expense | $205,000 | 6,938 |
| Additional noninterest expense | $674,000 | 5,891 |
| Pre-tax net operating income | $671,000 | 7,064 |
| Securities gains (losses) | $1,000 | 3,760 |
| Applicable income taxes | $280,000 | 6,066 |
| Income before extraordinary items | $392,000 | 7,689 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $392,000 | 7,689 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 3,679 |
| Cash dividends | $200,000 | 5,388 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $391,360 | 7,637 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $319,000 | 11,871 |
| Total interest expense | $142,000 | 11,821 |
| Net interest income | $177,000 | 11,884 |
| Provision for loan and lease losses | $2,000 | 8,854 |
| Total noninterest income | $29,000 | 11,670 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $21,000 | 9,976 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $8,000 | 11,604 |
| Total noninterest expense | $124,000 | 11,944 |
| Salaries and employee benefits | $54,000 | 11,938 |
| Premises and equipment expense | $20,000 | 11,799 |
| Additional noninterest expense | $50,000 | 11,895 |
| Pre-tax net operating income | $80,000 | 11,187 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $28,000 | 10,615 |
| Income before extraordinary items | $52,000 | 11,277 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $52,000 | 11,276 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 5,621 |
| Cash dividends | $1,140,000 | 1,835 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $52,000 | 11,247 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,162,000 | 7,807 |
| Total interest expense | $1,208,000 | 7,870 |
| Net interest income | $1,954,000 | 7,673 |
| Provision for loan and lease losses | $24,000 | 7,499 |
| Total noninterest income | $271,000 | 7,638 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $187,000 | 6,136 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $84,000 | 8,071 |
| Total noninterest expense | $1,495,000 | 7,618 |
| Salaries and employee benefits | $764,000 | 7,422 |
| Premises and equipment expense | $160,000 | 8,293 |
| Additional noninterest expense | $571,000 | 7,251 |
| Pre-tax net operating income | $706,000 | 7,361 |
| Securities gains (losses) | $5,000 | 2,624 |
| Applicable income taxes | $193,000 | 7,460 |
| Income before extraordinary items | $518,000 | 7,168 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $518,000 | 7,177 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $250,000 | 4,888 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $514,350 | 7,232 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,005,000 | 8,327 |
| Total interest expense | $1,206,000 | 8,224 |
| Net interest income | $1,799,000 | 8,249 |
| Provision for loan and lease losses | $56,000 | 7,224 |
| Total noninterest income | $286,000 | 7,855 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $185,000 | 6,280 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $101,000 | 7,826 |
| Total noninterest expense | $1,413,000 | 8,137 |
| Salaries and employee benefits | $734,000 | 7,754 |
| Premises and equipment expense | $214,000 | 7,406 |
| Additional noninterest expense | $465,000 | 8,564 |
| Pre-tax net operating income | $616,000 | 7,847 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $177,000 | 8,072 |
| Income before extraordinary items | $439,000 | 8,067 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $439,000 | 8,235 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 12,362 |
| Cash dividends | $218,000 | 5,225 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $439,000 | 7,798 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,345,000 | 8,406 |
| Total interest expense | $1,483,000 | 8,560 |
| Net interest income | $1,862,000 | 8,162 |
| Provision for loan and lease losses | $146,000 | 6,180 |
| Total noninterest income | $261,000 | 8,324 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $191,000 | 6,170 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $70,000 | 9,281 |
| Total noninterest expense | $1,527,000 | 7,813 |
| Salaries and employee benefits | $688,000 | 8,084 |
| Premises and equipment expense | $190,000 | 8,078 |
| Additional noninterest expense | $649,000 | 7,108 |
| Pre-tax net operating income | $450,000 | 8,802 |
| Securities gains (losses) | $2,000 | 7,695 |
| Applicable income taxes | $118,000 | 9,428 |
| Income before extraordinary items | $334,000 | 8,885 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $334,000 | 9,028 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $173,000 | 4,538 |
| Cash dividends | $165,000 | 5,533 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $332,520 | 8,546 |
* 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.