Home > Gadsden State Bank > Income and Expense
Gadsden State Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,908,000 | 9,128 |
| Total interest expense | $738,000 | 9,445 |
| Net interest income | $1,170,000 | 8,753 |
| Provision for loan and lease losses | $24,000 | 7,686 |
| Total noninterest income | $145,000 | 8,671 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $121,000 | 6,738 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $24,000 | 9,645 |
| Total noninterest expense | $564,000 | 9,883 |
| Salaries and employee benefits | $237,000 | 10,354 |
| Premises and equipment expense | $68,000 | 9,770 |
| Additional noninterest expense | $259,000 | 8,743 |
| Pre-tax net operating income | $727,000 | 6,869 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $249,000 | 6,269 |
| Income before extraordinary items | $478,000 | 7,116 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $478,000 | 7,118 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,353 |
| Cash dividends | $153,000 | 5,855 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $478,000 | 7,064 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,792,000 | 9,665 |
| Total interest expense | $727,000 | 9,889 |
| Net interest income | $1,065,000 | 9,376 |
| Provision for loan and lease losses | $17,000 | 8,136 |
| Total noninterest income | $135,000 | 9,266 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $113,000 | 7,223 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $22,000 | 10,300 |
| Total noninterest expense | $535,000 | 10,448 |
| Salaries and employee benefits | $232,000 | 10,828 |
| Premises and equipment expense | $54,000 | 10,520 |
| Additional noninterest expense | $249,000 | 9,405 |
| Pre-tax net operating income | $648,000 | 7,188 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $238,000 | 6,603 |
| Income before extraordinary items | $410,000 | 7,538 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $410,000 | 7,536 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,612 |
| Cash dividends | $161,000 | 5,854 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $410,000 | 7,480 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,638,000 | 10,278 |
| Total interest expense | $669,000 | 10,421 |
| Net interest income | $969,000 | 10,028 |
| Provision for loan and lease losses | $12,000 | 8,132 |
| Total noninterest income | $136,000 | 9,549 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $115,000 | 7,426 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,000 | 10,833 |
| Total noninterest expense | $588,000 | 10,623 |
| Salaries and employee benefits | $219,000 | 11,374 |
| Premises and equipment expense | $70,000 | 10,479 |
| Additional noninterest expense | $299,000 | 9,249 |
| Pre-tax net operating income | $505,000 | 8,404 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $171,000 | 7,907 |
| Income before extraordinary items | $334,000 | 8,621 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $334,000 | 8,625 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,482 |
| Cash dividends | $159,000 | 5,970 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $334,000 | 8,589 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,568,000 | 10,593 |
| Total interest expense | $546,000 | 10,871 |
| Net interest income | $1,022,000 | 10,324 |
| Provision for loan and lease losses | $7,000 | 8,694 |
| Total noninterest income | $153,000 | 9,643 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $126,000 | 7,458 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $27,000 | 10,986 |
| Total noninterest expense | $604,000 | 11,106 |
| Salaries and employee benefits | $245,000 | 11,710 |
| Premises and equipment expense | $73,000 | 10,875 |
| Additional noninterest expense | $286,000 | 10,119 |
| Pre-tax net operating income | $564,000 | 8,220 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $188,000 | 7,551 |
| Income before extraordinary items | $376,000 | 8,398 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $376,000 | 8,402 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,455 |
| Cash dividends | $162,000 | 5,906 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $376,000 | 8,445 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,709,000 | 10,787 |
| Total interest expense | $604,000 | 11,118 |
| Net interest income | $1,105,000 | 10,390 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $213,000 | 8,971 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $143,000 | 7,269 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $70,000 | 9,084 |
| Total noninterest expense | $643,000 | 11,416 |
| Salaries and employee benefits | $280,000 | 11,873 |
| Premises and equipment expense | $86,000 | 10,933 |
| Additional noninterest expense | $277,000 | 10,732 |
| Pre-tax net operating income | $675,000 | 7,496 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $223,000 | 7,210 |
| Income before extraordinary items | $452,000 | 7,957 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $452,000 | 8,134 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 11,292 |
| Cash dividends | $322,000 | 4,200 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $452,000 | 7,694 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,865,000 | 11,162 |
| Total interest expense | $714,000 | 11,740 |
| Net interest income | $1,151,000 | 10,505 |
| Provision for loan and lease losses | $37,000 | 9,631 |
| Total noninterest income | $200,000 | 9,415 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $152,000 | 7,048 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $48,000 | 10,527 |
| Total noninterest expense | $633,000 | 11,864 |
| Salaries and employee benefits | $274,000 | 12,317 |
| Premises and equipment expense | $76,000 | 11,645 |
| Additional noninterest expense | $283,000 | 11,085 |
| Pre-tax net operating income | $681,000 | 7,206 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $221,000 | 7,164 |
| Income before extraordinary items | $460,000 | 7,652 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $460,000 | 7,762 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 7,355 |
| Cash dividends | $178,000 | 5,388 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $460,000 | 7,301 |
* 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.