Home > The Citizens Bank > Income and Expense
The Citizens Bank, Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,963,000 | 4,576 |
| Total interest expense | $2,641,000 | 5,320 |
| Net interest income | $4,322,000 | 4,049 |
| Provision for loan and lease losses | $678,000 | 1,247 |
| Total noninterest income | $755,000 | 3,854 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $503,000 | 2,711 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $252,000 | 4,459 |
| Total noninterest expense | $2,842,000 | 4,478 |
| Salaries and employee benefits | $1,378,000 | 4,628 |
| Premises and equipment expense | $304,000 | 5,572 |
| Additional noninterest expense | $1,160,000 | 3,858 |
| Pre-tax net operating income | $1,557,000 | 4,321 |
| Securities gains (losses) | $9,000 | 2,462 |
| Applicable income taxes | $589,000 | 3,707 |
| Income before extraordinary items | $977,000 | 4,696 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $977,000 | 4,695 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $408,000 | 1,580 |
| Cash dividends | $549,000 | 3,125 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $971,240 | 4,690 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,232,000 | 4,700 |
| Total interest expense | $1,968,000 | 5,681 |
| Net interest income | $4,264,000 | 4,128 |
| Provision for loan and lease losses | $108,000 | 4,394 |
| Total noninterest income | $683,000 | 4,204 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $511,000 | 2,681 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $172,000 | 5,782 |
| Total noninterest expense | $2,910,000 | 4,530 |
| Salaries and employee benefits | $1,404,000 | 4,549 |
| Premises and equipment expense | $373,000 | 4,863 |
| Additional noninterest expense | $1,133,000 | 4,261 |
| Pre-tax net operating income | $1,929,000 | 3,535 |
| Securities gains (losses) | $24,000 | 1,636 |
| Applicable income taxes | $628,000 | 3,371 |
| Income before extraordinary items | $1,325,000 | 3,534 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,325,000 | 3,542 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $245,000 | 2,183 |
| Cash dividends | $519,000 | 3,105 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,308,680 | 3,610 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,378,000 | 4,693 |
| Total interest expense | $2,122,000 | 5,557 |
| Net interest income | $4,256,000 | 4,166 |
| Provision for loan and lease losses | $210,000 | 3,794 |
| Total noninterest income | $754,000 | 4,194 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $487,000 | 2,869 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $267,000 | 4,801 |
| Total noninterest expense | $2,857,000 | 4,706 |
| Salaries and employee benefits | $1,412,000 | 4,515 |
| Premises and equipment expense | $340,000 | 5,343 |
| Additional noninterest expense | $1,105,000 | 4,514 |
| Pre-tax net operating income | $1,943,000 | 3,396 |
| Securities gains (losses) | $18,000 | 4,806 |
| Applicable income taxes | $607,000 | 3,562 |
| Income before extraordinary items | $1,354,000 | 3,573 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,354,000 | 3,682 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $126,000 | 4,062 |
| Cash dividends | $533,000 | 2,927 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,341,580 | 3,407 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,900,000 | 4,888 |
| Total interest expense | $2,650,000 | 5,719 |
| Net interest income | $4,250,000 | 4,206 |
| Provision for loan and lease losses | $454,000 | 3,205 |
| Total noninterest income | $759,000 | 4,133 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $487,000 | 2,858 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $272,000 | 4,709 |
| Total noninterest expense | $2,643,000 | 5,048 |
| Salaries and employee benefits | $1,310,000 | 4,790 |
| Premises and equipment expense | $272,000 | 6,405 |
| Additional noninterest expense | $1,061,000 | 4,814 |
| Pre-tax net operating income | $1,912,000 | 3,234 |
| Securities gains (losses) | $88,000 | 3,220 |
| Applicable income taxes | $583,000 | 3,512 |
| Income before extraordinary items | $1,417,000 | 3,239 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,417,000 | 3,276 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $225,000 | 3,952 |
| Cash dividends | $1,070,000 | 1,459 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,354,520 | 3,142 |
* 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.