Home > Bank of Gallatin/First State Bank > Income and Expense
Bank of Gallatin/First State Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,919,000 | 9,110 |
| Total interest expense | $972,000 | 8,768 |
| Net interest income | $947,000 | 9,316 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $150,000 | 8,575 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $113,000 | 6,913 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $37,000 | 8,993 |
| Total noninterest expense | $602,000 | 9,738 |
| Salaries and employee benefits | $354,000 | 9,565 |
| Premises and equipment expense | $98,000 | 9,012 |
| Additional noninterest expense | $150,000 | 9,996 |
| Pre-tax net operating income | $495,000 | 7,941 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $151,000 | 7,597 |
| Income before extraordinary items | $344,000 | 8,042 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $344,000 | 8,045 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 7,455 |
| Cash dividends | $133,000 | 6,096 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $344,000 | 7,998 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,965,000 | 9,418 |
| Total interest expense | $985,000 | 9,061 |
| Net interest income | $980,000 | 9,604 |
| Provision for loan and lease losses | $38,000 | 7,073 |
| Total noninterest income | $158,000 | 8,897 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $101,000 | 7,470 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $57,000 | 8,577 |
| Total noninterest expense | $619,000 | 10,099 |
| Salaries and employee benefits | $367,000 | 9,841 |
| Premises and equipment expense | $109,000 | 9,055 |
| Additional noninterest expense | $143,000 | 10,635 |
| Pre-tax net operating income | $481,000 | 8,055 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $148,000 | 7,899 |
| Income before extraordinary items | $333,000 | 8,128 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $333,000 | 8,128 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 3,679 |
| Cash dividends | $125,000 | 6,318 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $333,000 | 8,070 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,046,000 | 9,644 |
| Total interest expense | $1,020,000 | 9,184 |
| Net interest income | $1,026,000 | 9,873 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $165,000 | 9,050 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $94,000 | 7,930 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $71,000 | 8,310 |
| Total noninterest expense | $765,000 | 9,921 |
| Salaries and employee benefits | $339,000 | 10,404 |
| Premises and equipment expense | $109,000 | 9,346 |
| Additional noninterest expense | $317,000 | 9,073 |
| Pre-tax net operating income | $426,000 | 8,893 |
| Securities gains (losses) | $-1,000 | 9,017 |
| Applicable income taxes | $139,000 | 8,466 |
| Income before extraordinary items | $286,000 | 9,079 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $286,000 | 9,085 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 10,757 |
| Cash dividends | $125,000 | 6,392 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $286,670 | 9,047 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,932,000 | 9,924 |
| Total interest expense | $918,000 | 9,047 |
| Net interest income | $1,014,000 | 10,344 |
| Provision for loan and lease losses | $15,000 | 8,073 |
| Total noninterest income | $146,000 | 9,773 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $99,000 | 8,122 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $47,000 | 9,769 |
| Total noninterest expense | $815,000 | 10,174 |
| Salaries and employee benefits | $310,000 | 11,114 |
| Premises and equipment expense | $92,000 | 10,281 |
| Additional noninterest expense | $413,000 | 8,695 |
| Pre-tax net operating income | $330,000 | 9,909 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $99,000 | 9,383 |
| Income before extraordinary items | $231,000 | 9,913 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $231,000 | 9,926 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 4,348 |
| Cash dividends | $100,000 | 6,840 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $231,000 | 9,978 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,918,000 | 10,344 |
| Total interest expense | $841,000 | 9,831 |
| Net interest income | $1,077,000 | 10,494 |
| Provision for loan and lease losses | $57,000 | 7,209 |
| Total noninterest income | $127,000 | 10,684 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $89,000 | 8,728 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $38,000 | 10,795 |
| Total noninterest expense | $650,000 | 11,379 |
| Salaries and employee benefits | $325,000 | 11,404 |
| Premises and equipment expense | $104,000 | 10,324 |
| Additional noninterest expense | $221,000 | 11,452 |
| Pre-tax net operating income | $497,000 | 8,678 |
| Securities gains (losses) | $3,000 | 6,505 |
| Applicable income taxes | $167,000 | 8,276 |
| Income before extraordinary items | $333,000 | 9,102 |
| Extraordinary gains, net | $40,000 | 2,305 |
| Net income | $373,000 | 8,858 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 11,470 |
| Cash dividends | $100,000 | 6,847 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $330,990 | 8,866 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,053,000 | 10,796 |
| Total interest expense | $1,009,000 | 10,346 |
| Net interest income | $1,044,000 | 10,915 |
| Provision for loan and lease losses | $80,000 | 7,886 |
| Total noninterest income | $127,000 | 11,002 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $93,000 | 8,723 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $34,000 | 11,488 |
| Total noninterest expense | $585,000 | 12,154 |
| Salaries and employee benefits | $269,000 | 12,371 |
| Premises and equipment expense | $101,000 | 10,706 |
| Additional noninterest expense | $215,000 | 12,028 |
| Pre-tax net operating income | $506,000 | 8,366 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $171,000 | 8,144 |
| Income before extraordinary items | $335,000 | 8,879 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $335,000 | 9,021 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 7,548 |
| Cash dividends | $100,000 | 6,542 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $335,000 | 8,512 |
* 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.