Home > Citizens First Bank > Income and Expense
Citizens First Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,373,000 | 7,321 |
| Total interest expense | $1,626,000 | 7,057 |
| Net interest income | $1,747,000 | 7,436 |
| Provision for loan and lease losses | $155,000 | 4,057 |
| Total noninterest income | $346,000 | 6,198 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $209,000 | 5,218 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $137,000 | 5,936 |
| Total noninterest expense | $1,382,000 | 7,081 |
| Salaries and employee benefits | $640,000 | 7,663 |
| Premises and equipment expense | $170,000 | 7,382 |
| Additional noninterest expense | $572,000 | 5,981 |
| Pre-tax net operating income | $556,000 | 7,631 |
| Securities gains (losses) | $2,000 | 3,292 |
| Applicable income taxes | $185,000 | 7,103 |
| Income before extraordinary items | $373,000 | 7,830 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $373,000 | 7,833 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,572 |
| Cash dividends | $300,000 | 4,516 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $371,660 | 7,786 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,244,000 | 7,676 |
| Total interest expense | $1,586,000 | 7,362 |
| Net interest income | $1,658,000 | 7,879 |
| Provision for loan and lease losses | $48,000 | 6,700 |
| Total noninterest income | $336,000 | 6,555 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $207,000 | 5,433 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $129,000 | 6,403 |
| Total noninterest expense | $1,342,000 | 7,537 |
| Salaries and employee benefits | $624,000 | 7,975 |
| Premises and equipment expense | $87,000 | 9,625 |
| Additional noninterest expense | $631,000 | 6,152 |
| Pre-tax net operating income | $604,000 | 7,401 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $192,000 | 7,254 |
| Income before extraordinary items | $412,000 | 7,520 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $412,000 | 7,518 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 6,559 |
| Cash dividends | $200,000 | 5,388 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $412,000 | 7,463 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $273,000 | 11,892 |
| Total interest expense | $138,000 | 11,827 |
| Net interest income | $135,000 | 11,908 |
| Provision for loan and lease losses | $2,000 | 8,854 |
| Total noninterest income | $24,000 | 11,737 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $17,000 | 10,071 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $7,000 | 11,654 |
| Total noninterest expense | $115,000 | 11,946 |
| Salaries and employee benefits | $51,000 | 11,943 |
| Premises and equipment expense | $11,000 | 11,891 |
| Additional noninterest expense | $53,000 | 11,886 |
| Pre-tax net operating income | $43,000 | 11,335 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $15,000 | 10,835 |
| Income before extraordinary items | $28,000 | 11,400 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $28,000 | 11,397 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,801 |
| Cash dividends | $1,200,000 | 1,763 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $28,000 | 11,364 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,929,000 | 8,172 |
| Total interest expense | $1,253,000 | 7,709 |
| Net interest income | $1,676,000 | 8,367 |
| Provision for loan and lease losses | $12,000 | 8,270 |
| Total noninterest income | $301,000 | 7,238 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $152,000 | 6,839 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $149,000 | 6,229 |
| Total noninterest expense | $1,338,000 | 8,121 |
| Salaries and employee benefits | $684,000 | 8,001 |
| Premises and equipment expense | $125,000 | 9,244 |
| Additional noninterest expense | $529,000 | 7,605 |
| Pre-tax net operating income | $627,000 | 7,843 |
| Securities gains (losses) | $33,000 | 1,406 |
| Applicable income taxes | $176,000 | 7,790 |
| Income before extraordinary items | $484,000 | 7,434 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $484,000 | 7,439 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 11,066 |
| Cash dividends | $300,000 | 4,418 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $459,910 | 7,670 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,897,000 | 8,502 |
| Total interest expense | $1,151,000 | 8,480 |
| Net interest income | $1,746,000 | 8,382 |
| Provision for loan and lease losses | $11,000 | 9,693 |
| Total noninterest income | $269,000 | 8,077 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $143,000 | 7,269 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $126,000 | 7,138 |
| Total noninterest expense | $1,260,000 | 8,653 |
| Salaries and employee benefits | $630,000 | 8,551 |
| Premises and equipment expense | $117,000 | 9,887 |
| Additional noninterest expense | $513,000 | 8,088 |
| Pre-tax net operating income | $743,000 | 7,128 |
| Securities gains (losses) | $136,000 | 2,097 |
| Applicable income taxes | $267,000 | 6,535 |
| Income before extraordinary items | $612,000 | 6,691 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $612,000 | 6,849 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 11,470 |
| Cash dividends | $300,000 | 4,359 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $516,800 | 7,174 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,123,000 | 8,761 |
| Total interest expense | $1,319,000 | 9,162 |
| Net interest income | $1,804,000 | 8,331 |
| Provision for loan and lease losses | $68,000 | 8,314 |
| Total noninterest income | $260,000 | 8,338 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $152,000 | 7,048 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $108,000 | 7,800 |
| Total noninterest expense | $1,309,000 | 8,638 |
| Salaries and employee benefits | $662,000 | 8,289 |
| Premises and equipment expense | $139,000 | 9,430 |
| Additional noninterest expense | $508,000 | 8,384 |
| Pre-tax net operating income | $687,000 | 7,174 |
| Securities gains (losses) | $19,000 | 5,661 |
| Applicable income taxes | $219,000 | 7,205 |
| Income before extraordinary items | $487,000 | 7,442 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $487,000 | 7,537 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 7,730 |
| Cash dividends | $236,000 | 4,659 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $473,890 | 7,188 |
* 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.