Home > Citizens First Bank > Income and Expense
Citizens First Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,287,000 | 3,848 |
| Total interest expense | $3,717,000 | 3,941 |
| Net interest income | $4,570,000 | 3,779 |
| Provision for loan and lease losses | $135,000 | 4,360 |
| Total noninterest income | $754,000 | 3,751 |
| Gross Fiduciary activities income | $31,000 | 1,233 |
| Service charges on deposit accounts | $526,000 | 2,498 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $197,000 | 4,992 |
| Total noninterest expense | $3,660,000 | 3,463 |
| Salaries and employee benefits | $1,569,000 | 4,086 |
| Premises and equipment expense | $563,000 | 3,339 |
| Additional noninterest expense | $1,528,000 | 2,691 |
| Pre-tax net operating income | $1,529,000 | 4,425 |
| Securities gains (losses) | $-15,000 | 10,235 |
| Applicable income taxes | $594,000 | 3,707 |
| Income before extraordinary items | $920,000 | 4,978 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $920,000 | 4,980 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $190,000 | 2,629 |
| Cash dividends | $700,000 | 2,776 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $929,600 | 4,890 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,311,000 | 3,887 |
| Total interest expense | $4,029,000 | 3,689 |
| Net interest income | $4,282,000 | 4,051 |
| Provision for loan and lease losses | $60,000 | 6,086 |
| Total noninterest income | $622,000 | 4,466 |
| Gross Fiduciary activities income | $11,000 | 1,397 |
| Service charges on deposit accounts | $515,000 | 2,651 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $96,000 | 7,256 |
| Total noninterest expense | $3,625,000 | 3,661 |
| Salaries and employee benefits | $1,782,000 | 3,701 |
| Premises and equipment expense | $524,000 | 3,639 |
| Additional noninterest expense | $1,319,000 | 3,481 |
| Pre-tax net operating income | $1,219,000 | 5,070 |
| Securities gains (losses) | $-9,000 | 10,223 |
| Applicable income taxes | $538,000 | 3,913 |
| Income before extraordinary items | $672,000 | 5,883 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $672,000 | 5,885 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $187,000 | 2,786 |
| Cash dividends | $400,000 | 3,860 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $677,760 | 5,804 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $693,000 | 11,635 |
| Total interest expense | $375,000 | 11,397 |
| Net interest income | $318,000 | 11,741 |
| Provision for loan and lease losses | $5,000 | 8,671 |
| Total noninterest income | $54,000 | 11,282 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $49,000 | 9,268 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $5,000 | 11,753 |
| Total noninterest expense | $359,000 | 11,571 |
| Salaries and employee benefits | $143,000 | 11,762 |
| Premises and equipment expense | $45,000 | 11,233 |
| Additional noninterest expense | $171,000 | 10,802 |
| Pre-tax net operating income | $8,000 | 11,438 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $5,000 | 11,015 |
| Income before extraordinary items | $3,000 | 11,484 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $3,000 | 11,481 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $3,000 | 11,453 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,432,000 | 3,557 |
| Total interest expense | $3,591,000 | 3,377 |
| Net interest income | $4,841,000 | 3,670 |
| Provision for loan and lease losses | $69,000 | 5,368 |
| Total noninterest income | $827,000 | 3,614 |
| Gross Fiduciary activities income | $177,000 | 1,048 |
| Service charges on deposit accounts | $421,000 | 3,229 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $229,000 | 4,827 |
| Total noninterest expense | $3,480,000 | 3,865 |
| Salaries and employee benefits | $1,681,000 | 3,861 |
| Premises and equipment expense | $515,000 | 3,701 |
| Additional noninterest expense | $1,284,000 | 3,812 |
| Pre-tax net operating income | $2,119,000 | 3,270 |
| Securities gains (losses) | $13,000 | 2,050 |
| Applicable income taxes | $630,000 | 3,361 |
| Income before extraordinary items | $1,502,000 | 3,169 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,502,000 | 3,181 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,934 |
| Cash dividends | $3,035,000 | 798 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,492,900 | 3,218 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,979,000 | 4,323 |
| Total interest expense | $2,802,000 | 4,369 |
| Net interest income | $4,177,000 | 4,236 |
| Provision for loan and lease losses | $102,000 | 5,694 |
| Total noninterest income | $732,000 | 4,298 |
| Gross Fiduciary activities income | $116,000 | 1,180 |
| Service charges on deposit accounts | $273,000 | 4,780 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $343,000 | 4,158 |
| Total noninterest expense | $3,110,000 | 4,377 |
| Salaries and employee benefits | $1,483,000 | 4,318 |
| Premises and equipment expense | $491,000 | 3,926 |
| Additional noninterest expense | $1,136,000 | 4,411 |
| Pre-tax net operating income | $1,697,000 | 3,886 |
| Securities gains (losses) | $12,000 | 5,266 |
| Applicable income taxes | $524,000 | 4,013 |
| Income before extraordinary items | $1,185,000 | 4,061 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,185,000 | 4,166 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 4,894 |
| Cash dividends | $590,000 | 2,714 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,176,720 | 3,890 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,258,000 | 4,678 |
| Total interest expense | $3,078,000 | 5,051 |
| Net interest income | $4,180,000 | 4,271 |
| Provision for loan and lease losses | $78,000 | 7,978 |
| Total noninterest income | $621,000 | 4,840 |
| Gross Fiduciary activities income | $121,000 | 1,209 |
| Service charges on deposit accounts | $226,000 | 5,500 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $274,000 | 4,692 |
| Total noninterest expense | $3,009,000 | 4,519 |
| Salaries and employee benefits | $1,380,000 | 4,558 |
| Premises and equipment expense | $387,000 | 4,922 |
| Additional noninterest expense | $1,242,000 | 4,218 |
| Pre-tax net operating income | $1,714,000 | 3,588 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $481,000 | 4,117 |
| Income before extraordinary items | $1,233,000 | 3,709 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,233,000 | 3,752 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 8,614 |
| Cash dividends | $600,000 | 2,382 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,233,000 | 3,440 |
* 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.