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Citizens Trust Company, Income and Expense

1996-12-31 (YTD Data)Rank
Total interest income$82,018,000495
Total interest expense$15,231,0001,074
Net interest income$66,787,000351
Provision for loan and lease losses$8,880,000230
Total noninterest income$48,165,000237
Gross Fiduciary activities income$8,249,000168
Service charges on deposit accounts$17,618,000139
Trading account gains and fees$83,000182
Additional Noninterest Income$22,215,000278
Total noninterest expense$73,030,000306
Salaries and employee benefits$38,224,000234
Premises and equipment expense$9,742,000282
Additional noninterest expense$25,064,000369
Pre-tax net operating income$33,042,000322
Securities gains (losses)$212,000668
Applicable income taxes$12,031,000321
Income before extraordinary items$21,223,000326
Extraordinary gains, net$053
Net income$21,223,000326
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$7,955,000240
Cash dividends$17,000,000312
Sale, conversion, retirement of capital stock, net$0953
Net operating income$21,087,320322
1995-12-31 (YTD Data)Rank
Total interest income$78,175,000545
Total interest expense$16,071,0001,060
Net interest income$62,104,000375
Provision for loan and lease losses$4,000,000371
Total noninterest income$40,439,000266
Gross Fiduciary activities income$7,787,000179
Service charges on deposit accounts$16,211,000155
Trading account gains and fees$222,000232
Additional Noninterest Income$16,219,000333
Total noninterest expense$65,052,000336
Salaries and employee benefits$34,814,000261
Premises and equipment expense$8,742,000331
Additional noninterest expense$21,496,000416
Pre-tax net operating income$33,491,000328
Securities gains (losses)$-101,00011,487
Applicable income taxes$12,155,000329
Income before extraordinary items$21,235,000339
Extraordinary gains, net$-113,00011,938
Net income$21,122,000339
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$4,831,000325
Cash dividends$13,500,000331
Sale, conversion, retirement of capital stock, net$0809
Net operating income$21,299,640332
1994-12-31 (YTD Data)Rank
Total interest income$63,251,000568
Total interest expense$9,166,0001,420
Net interest income$54,085,000416
Provision for loan and lease losses$9,098,000201
Total noninterest income$39,952,000256
Gross Fiduciary activities income$7,392,000183
Service charges on deposit accounts$14,829,000165
Trading account gains and fees$479,000148
Additional Noninterest Income$17,252,000304
Total noninterest expense$59,615,000358
Salaries and employee benefits$30,032,000300
Premises and equipment expense$9,829,000302
Additional noninterest expense$19,754,000445
Pre-tax net operating income$25,324,000384
Securities gains (losses)$107,000748
Applicable income taxes$9,450,000360
Income before extraordinary items$15,981,000385
Extraordinary gains, net$0249
Net income$15,981,000386
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$4,188,000337
Cash dividends$6,000,000492
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$15,912,520394
1993-12-31 (YTD Data)Rank
Total interest income$50,299,000693
Total interest expense$5,328,0002,426
Net interest income$44,971,000475
Provision for loan and lease losses$6,183,000374
Total noninterest income$31,687,000290
Gross Fiduciary activities income$5,963,000206
Service charges on deposit accounts$14,147,000167
Trading account gains and fees$510,000165
Additional Noninterest Income$11,067,000410
Total noninterest expense$52,498,000391
Salaries and employee benefits$25,473,000328
Premises and equipment expense$8,476,000332
Additional noninterest expense$18,549,000494
Pre-tax net operating income$17,977,000440
Securities gains (losses)$846,000608
Applicable income taxes$6,801,000435
Income before extraordinary items$12,022,000466
Extraordinary gains, net$-2,134,00013,235
Net income$9,888,000557
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$4,633,000435
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$11,480,560457
1992-12-31 (YTD Data)Rank
Total interest income$43,108,000883
Total interest expense$7,190,0002,345
Net interest income$35,918,000578
Provision for loan and lease losses$8,895,000407
Total noninterest income$25,318,000335
Gross Fiduciary activities income$5,273,000214
Service charges on deposit accounts$10,598,000198
Trading account gains and fees$436,000178
Additional Noninterest Income$9,011,000464
Total noninterest expense$46,468,000431
Salaries and employee benefits$21,931,000359
Premises and equipment expense$7,991,000356
Additional noninterest expense$16,546,000538
Pre-tax net operating income$5,873,0001,108
Securities gains (losses)$4,294,000239
Applicable income taxes$3,577,000661
Income before extraordinary items$6,590,000718
Extraordinary gains, net$01,422
Net income$6,590,000716
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$5,668,000483
Cash dividends$728,0002,064
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$3,798,9001,138

* 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.