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The Citizens Bank, Income and Expense

1999-12-31 (YTD Data)		Rank
Total interest income	$2,295,000	8,139
Total interest expense	$896,000	8,455
Net interest income	$1,399,000	7,782
Provision for loan and lease losses	$41,000	6,835
Total noninterest income	$221,000	7,242
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$149,000	5,863
Trading account gains and fees	NA	NA
Additional Noninterest Income	$72,000	7,365
Total noninterest expense	$1,270,000	7,373
Salaries and employee benefits	$549,000	8,052
Premises and equipment expense	$205,000	6,733
Additional noninterest expense	$516,000	6,393
Pre-tax net operating income	$309,000	8,044
Securities gains (losses)	$0	3,155
Applicable income taxes	$93,000	7,020
Income before extraordinary items	$216,000	8,175
Extraordinary gains, net	$0	35
Net income	$216,000	8,173
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$102,000	3,549
Cash dividends	$45,000	6,667
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$216,000	8,147
1998-12-31 (YTD Data)		Rank
Total interest income	$2,570,000	8,022
Total interest expense	$1,065,000	8,242
Net interest income	$1,505,000	7,675
Provision for loan and lease losses	$93,000	5,273
Total noninterest income	$285,000	6,613
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$159,000	5,761
Trading account gains and fees	NA	NA
Additional Noninterest Income	$126,000	6,085
Total noninterest expense	$1,301,000	7,246
Salaries and employee benefits	$579,000	7,879
Premises and equipment expense	$232,000	6,228
Additional noninterest expense	$490,000	6,510
Pre-tax net operating income	$396,000	7,901
Securities gains (losses)	$-17,000	10,264
Applicable income taxes	$138,000	7,010
Income before extraordinary items	$241,000	8,305
Extraordinary gains, net	$0	32
Net income	$241,000	8,304
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$45,000	5,129
Cash dividends	$62,000	6,719
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$251,880	8,168
1997-12-31 (YTD Data)		Rank
Total interest income	$2,575,000	8,286
Total interest expense	$1,060,000	8,521
Net interest income	$1,515,000	7,944
Provision for loan and lease losses	$105,000	5,052
Total noninterest income	$297,000	6,676
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$162,000	5,956
Trading account gains and fees	NA	NA
Additional Noninterest Income	$135,000	5,975
Total noninterest expense	$1,190,000	7,715
Salaries and employee benefits	$579,000	8,054
Premises and equipment expense	$215,000	6,570
Additional noninterest expense	$396,000	7,391
Pre-tax net operating income	$517,000	7,828
Securities gains (losses)	$8,000	2,485
Applicable income taxes	$175,000	7,245
Income before extraordinary items	$350,000	7,998
Extraordinary gains, net	$0	44
Net income	$350,000	8,001
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$62,000	4,755
Cash dividends	$63,000	7,006
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$344,640	7,994
1996-12-31 (YTD Data)		Rank
Total interest income	$2,467,000	8,731
Total interest expense	$1,101,000	8,694
Net interest income	$1,366,000	8,596
Provision for loan and lease losses	$54,000	6,461
Total noninterest income	$237,000	7,764
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$146,000	6,543
Trading account gains and fees	NA	NA
Additional Noninterest Income	$91,000	7,410
Total noninterest expense	$1,137,000	8,206
Salaries and employee benefits	$568,000	8,337
Premises and equipment expense	$208,000	6,889
Additional noninterest expense	$361,000	8,252
Pre-tax net operating income	$412,000	8,438
Securities gains (losses)	$20,000	2,000
Applicable income taxes	$125,000	8,311
Income before extraordinary items	$307,000	8,362
Extraordinary gains, net	$0	53
Net income	$307,000	8,359
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$96,000	4,017
Cash dividends	$72,000	7,190
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$292,800	8,430
1995-12-31 (YTD Data)		Rank
Total interest income	$2,272,000	9,297
Total interest expense	$1,019,000	9,187
Net interest income	$1,253,000	9,197
Provision for loan and lease losses	$16,000	7,905
Total noninterest income	$181,000	8,745
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$112,000	7,504
Trading account gains and fees	NA	NA
Additional Noninterest Income	$69,000	8,396
Total noninterest expense	$1,069,000	8,689
Salaries and employee benefits	$540,000	8,780
Premises and equipment expense	$176,000	7,691
Additional noninterest expense	$353,000	8,671
Pre-tax net operating income	$349,000	9,388
Securities gains (losses)	$5,000	2,809
Applicable income taxes	$91,000	9,373
Income before extraordinary items	$263,000	9,295
Extraordinary gains, net	$0	65
Net income	$263,000	9,300
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-8,000	10,558
Cash dividends	$68,000	7,430
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$259,300	9,309
1994-12-31 (YTD Data)		Rank
Total interest income	$1,808,000	10,151
Total interest expense	$664,000	10,286
Net interest income	$1,144,000	9,924
Provision for loan and lease losses	$14,000	8,180
Total noninterest income	$175,000	9,201
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$111,000	7,816
Trading account gains and fees	NA	NA
Additional Noninterest Income	$64,000	8,924
Total noninterest expense	$986,000	9,405
Salaries and employee benefits	$470,000	9,654
Premises and equipment expense	$162,000	8,250
Additional noninterest expense	$354,000	9,298
Pre-tax net operating income	$319,000	10,003
Securities gains (losses)	$0	3,600
Applicable income taxes	$75,000	9,915
Income before extraordinary items	$244,000	9,763
Extraordinary gains, net	$0	249
Net income	$244,000	9,775
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	7,569
Cash dividends	$67,000	7,583
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$244,000	9,838
1993-12-31 (YTD Data)		Rank
Total interest income	$1,784,000	10,620
Total interest expense	$673,000	10,744
Net interest income	$1,111,000	10,363
Provision for loan and lease losses	$44,000	7,799
Total noninterest income	$186,000	9,481
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$110,000	8,108
Trading account gains and fees	NA	NA
Additional Noninterest Income	$76,000	8,800
Total noninterest expense	$990,000	9,776
Salaries and employee benefits	$461,000	10,029
Premises and equipment expense	$155,000	8,775
Additional noninterest expense	$374,000	9,548
Pre-tax net operating income	$263,000	10,526
Securities gains (losses)	$0	7,477
Applicable income taxes	$53,000	10,868
Income before extraordinary items	$210,000	10,530
Extraordinary gains, net	$0	3,149
Net income	$210,000	10,633
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$47,000	6,165
Cash dividends	$66,000	7,589
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$210,000	10,298
1992-12-31 (YTD Data)		Rank
Total interest income	$1,924,000	11,048
Total interest expense	$861,000	11,045
Net interest income	$1,063,000	10,844
Provision for loan and lease losses	$79,000	7,959
Total noninterest income	$264,000	8,273
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$115,000	8,077
Trading account gains and fees	NA	NA
Additional Noninterest Income	$149,000	6,659
Total noninterest expense	$993,000	10,014
Salaries and employee benefits	$454,000	10,260
Premises and equipment expense	$144,000	9,299
Additional noninterest expense	$395,000	9,613
Pre-tax net operating income	$255,000	10,555
Securities gains (losses)	$2,000	7,695
Applicable income taxes	$73,000	10,632
Income before extraordinary items	$184,000	10,824
Extraordinary gains, net	$0	1,422
Net income	$184,000	10,928
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$79,000	6,489
Cash dividends	$69,000	7,264
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$182,560	10,501

* 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.