Home > Citizens First Financial Bank > Income and Expense
Citizens First Financial Bank, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,625,000 | 4,795 |
| Total interest expense | $3,151,000 | 4,573 |
| Net interest income | $3,474,000 | 4,849 |
| Provision for loan and lease losses | $60,000 | 6,086 |
| Total noninterest income | $334,000 | 6,581 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $274,000 | 4,504 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $60,000 | 8,463 |
| Total noninterest expense | $2,652,000 | 4,782 |
| Salaries and employee benefits | $1,243,000 | 5,051 |
| Premises and equipment expense | $438,000 | 4,216 |
| Additional noninterest expense | $971,000 | 4,513 |
| Pre-tax net operating income | $1,096,000 | 5,421 |
| Securities gains (losses) | $-32,000 | 10,876 |
| Applicable income taxes | $341,000 | 5,418 |
| Income before extraordinary items | $723,000 | 5,662 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $723,000 | 5,662 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 10,349 |
| Cash dividends | $1,454,000 | 1,625 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $744,760 | 5,501 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,065,000 | 5,156 |
| Total interest expense | $2,721,000 | 5,194 |
| Net interest income | $3,344,000 | 5,050 |
| Provision for loan and lease losses | $72,000 | 5,348 |
| Total noninterest income | $327,000 | 6,765 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $261,000 | 4,787 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $66,000 | 8,506 |
| Total noninterest expense | $1,699,000 | 6,737 |
| Salaries and employee benefits | $939,000 | 6,355 |
| Premises and equipment expense | $246,000 | 6,416 |
| Additional noninterest expense | $514,000 | 7,143 |
| Pre-tax net operating income | $1,900,000 | 3,657 |
| Securities gains (losses) | $-57,000 | 11,246 |
| Applicable income taxes | $589,000 | 3,707 |
| Income before extraordinary items | $1,254,000 | 3,807 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,254,000 | 3,804 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,709 |
| Cash dividends | $1,041,000 | 1,962 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,292,760 | 3,682 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,289,000 | 5,403 |
| Total interest expense | $2,006,000 | 5,601 |
| Net interest income | $3,283,000 | 5,222 |
| Provision for loan and lease losses | $144,000 | 3,703 |
| Total noninterest income | $332,000 | 6,879 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $255,000 | 4,971 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $77,000 | 8,362 |
| Total noninterest expense | $1,940,000 | 6,366 |
| Salaries and employee benefits | $909,000 | 6,571 |
| Premises and equipment expense | $225,000 | 6,963 |
| Additional noninterest expense | $806,000 | 5,669 |
| Pre-tax net operating income | $1,531,000 | 4,341 |
| Securities gains (losses) | $-37,000 | 10,819 |
| Applicable income taxes | $459,000 | 4,316 |
| Income before extraordinary items | $1,035,000 | 4,406 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,035,000 | 4,406 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-43,000 | 11,800 |
| Cash dividends | $616,000 | 2,751 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,060,530 | 4,365 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,256,000 | 5,532 |
| Total interest expense | $2,011,000 | 5,804 |
| Net interest income | $3,245,000 | 5,282 |
| Provision for loan and lease losses | $216,000 | 3,743 |
| Total noninterest income | $315,000 | 7,443 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $249,000 | 5,136 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $66,000 | 9,257 |
| Total noninterest expense | $1,814,000 | 6,839 |
| Salaries and employee benefits | $806,000 | 7,287 |
| Premises and equipment expense | $214,000 | 7,406 |
| Additional noninterest expense | $794,000 | 5,960 |
| Pre-tax net operating income | $1,530,000 | 4,244 |
| Securities gains (losses) | $74,000 | 2,889 |
| Applicable income taxes | $465,000 | 4,452 |
| Income before extraordinary items | $1,139,000 | 4,209 |
| Extraordinary gains, net | $-14,000 | 12,384 |
| Net income | $1,125,000 | 4,365 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-23,000 | 12,222 |
| Cash dividends | $451,000 | 3,355 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,086,460 | 4,154 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,416,000 | 5,973 |
| Total interest expense | $2,489,000 | 6,020 |
| Net interest income | $2,927,000 | 5,838 |
| Provision for loan and lease losses | $240,000 | 4,686 |
| Total noninterest income | $300,000 | 7,734 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $239,000 | 5,295 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $61,000 | 9,744 |
| Total noninterest expense | $1,680,000 | 7,313 |
| Salaries and employee benefits | $650,000 | 8,387 |
| Premises and equipment expense | $178,000 | 8,364 |
| Additional noninterest expense | $852,000 | 5,781 |
| Pre-tax net operating income | $1,307,000 | 4,587 |
| Securities gains (losses) | $-22,000 | 13,503 |
| Applicable income taxes | $323,000 | 5,657 |
| Income before extraordinary items | $962,000 | 4,660 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $962,000 | 4,709 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $99,000 | 5,956 |
| Cash dividends | $435,000 | 3,123 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $978,500 | 4,268 |
* 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.