Home > Gibson Savings Bank > Income and Expense

Gibson Savings Bank, Income and Expense

2003-12-31 (YTD Data)		Rank
Total interest income	$1,969,000	7,570
Total interest expense	$654,000	7,209
Net interest income	$1,315,000	7,639
Provision for loan and lease losses	$0	7,651
Total noninterest income	$146,000	7,848
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$110,000	6,409
Trading account gains and fees	$0	160
Additional Noninterest Income	$36,000	7,939
Total noninterest expense	$1,088,000	7,692
Salaries and employee benefits	$680,000	7,386
Premises and equipment expense	$78,000	8,368
Additional noninterest expense	$330,000	7,575
Pre-tax net operating income	$373,000	7,145
Securities gains (losses)	$-13,000	8,809
Applicable income taxes	$89,000	5,838
Income before extraordinary items	$271,000	7,417
Extraordinary gains, net	$0	54
Net income	$271,000	7,418
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$32,000	5,630
Cash dividends	$205,000	4,882
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$280,750	7,234
2003-09-30 (YTD Data)		Rank
Total interest income	$1,503,000	7,622
Total interest expense	$527,000	7,181
Net interest income	$976,000	7,717
Provision for loan and lease losses	$0	7,481
Total noninterest income	$98,000	8,055
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$84,000	6,425
Trading account gains and fees	$0	153
Additional Noninterest Income	$14,000	8,509
Total noninterest expense	$765,000	7,827
Salaries and employee benefits	$480,000	7,485
Premises and equipment expense	$56,000	8,458
Additional noninterest expense	$229,000	7,740
Pre-tax net operating income	$309,000	7,132
Securities gains (losses)	$-13,000	8,969
Applicable income taxes	$81,000	5,792
Income before extraordinary items	$215,000	7,492
Extraordinary gains, net	$0	40
Net income	$215,000	7,495
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,000	5,382
Cash dividends	$205,000	3,979
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$224,490	7,271
2003-06-30 (YTD Data)		Rank
Total interest income	$1,024,000	7,624
Total interest expense	$385,000	7,068
Net interest income	$639,000	7,767
Provision for loan and lease losses	$0	7,324
Total noninterest income	$64,000	8,066
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$55,000	6,423
Trading account gains and fees	$0	150
Additional Noninterest Income	$9,000	8,523
Total noninterest expense	$523,000	7,801
Salaries and employee benefits	$323,000	7,492
Premises and equipment expense	$38,000	8,441
Additional noninterest expense	$162,000	7,614
Pre-tax net operating income	$180,000	7,383
Securities gains (losses)	$-9,000	9,038
Applicable income taxes	$45,000	6,001
Income before extraordinary items	$126,000	7,685
Extraordinary gains, net	$0	30
Net income	$126,000	7,687
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	6,334
Cash dividends	$105,000	4,183
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$132,660	7,451
2003-03-31 (YTD Data)		Rank
Total interest income	$524,000	7,627
Total interest expense	$206,000	6,993
Net interest income	$318,000	7,807
Provision for loan and lease losses	$0	6,934
Total noninterest income	$30,000	8,154
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$26,000	6,492
Trading account gains and fees	$0	134
Additional Noninterest Income	$4,000	8,607
Total noninterest expense	$245,000	7,976
Salaries and employee benefits	$162,000	7,520
Premises and equipment expense	$17,000	8,567
Additional noninterest expense	$66,000	8,054
Pre-tax net operating income	$103,000	7,150
Securities gains (losses)	$-9,000	9,150
Applicable income taxes	$26,000	5,851
Income before extraordinary items	$68,000	7,530
Extraordinary gains, net	$0	21
Net income	$68,000	7,530
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,539
Cash dividends	$105,000	2,837
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$74,480	7,254
2002-12-31 (YTD Data)		Rank
Total interest income	$2,249,000	7,600
Total interest expense	$1,005,000	6,915
Net interest income	$1,244,000	7,845
Provision for loan and lease losses	$0	8,089
Total noninterest income	$112,000	8,258
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$101,000	6,561
Trading account gains and fees	$0	153
Additional Noninterest Income	$11,000	8,861
Total noninterest expense	$1,036,000	7,861
Salaries and employee benefits	$649,000	7,506
Premises and equipment expense	$91,000	8,298
Additional noninterest expense	$296,000	7,833
Pre-tax net operating income	$320,000	7,472
Securities gains (losses)	$0	4,537
Applicable income taxes	$88,000	6,081
Income before extraordinary items	$232,000	7,669
Extraordinary gains, net	$0	70
Net income	$232,000	7,668
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	7,261
Cash dividends	$120,000	5,403
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$232,000	7,577
2001-12-31 (YTD Data)		Rank
Total interest income	$2,315,000	7,937
Total interest expense	$1,205,000	7,608
Net interest income	$1,110,000	8,065
Provision for loan and lease losses	$41,000	6,908
Total noninterest income	$91,000	8,639
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$107,000	6,451
Trading account gains and fees	$0	177
Additional Noninterest Income	$-16,000	9,582
Total noninterest expense	$954,000	8,081
Salaries and employee benefits	$584,000	7,743
Premises and equipment expense	$84,000	8,558
Additional noninterest expense	$286,000	7,961
Pre-tax net operating income	$206,000	7,846
Securities gains (losses)	$9,000	3,652
Applicable income taxes	$40,000	6,882
Income before extraordinary items	$175,000	7,891
Extraordinary gains, net	$0	105
Net income	$175,000	7,894
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$22,000	6,192
Cash dividends	$175,000	5,167
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$167,710	7,818
2000-12-31 (YTD Data)		Rank
Total interest income	$2,278,000	8,147
Total interest expense	$1,208,000	7,790
Net interest income	$1,070,000	8,347
Provision for loan and lease losses	$10,000	7,963
Total noninterest income	$141,000	8,021
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$109,000	6,415
Trading account gains and fees	NA	NA
Additional Noninterest Income	$32,000	8,456
Total noninterest expense	$976,000	8,091
Salaries and employee benefits	$576,000	7,831
Premises and equipment expense	$106,000	8,342
Additional noninterest expense	$294,000	7,992
Pre-tax net operating income	$225,000	8,258
Securities gains (losses)	$-14,000	8,543
Applicable income taxes	$50,000	7,236
Income before extraordinary items	$161,000	8,345
Extraordinary gains, net	$0	38
Net income	$161,000	8,343
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$41,000	5,073
Cash dividends	$132,000	5,665
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$171,640	8,272
1999-12-31 (YTD Data)		Rank
Total interest income	$2,288,000	8,150
Total interest expense	$1,141,000	7,803
Net interest income	$1,147,000	8,308
Provision for loan and lease losses	$0	8,503
Total noninterest income	$119,000	8,544
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$93,000	6,856
Trading account gains and fees	NA	NA
Additional Noninterest Income	$26,000	9,007
Total noninterest expense	$988,000	8,161
Salaries and employee benefits	$613,000	7,681
Premises and equipment expense	$108,000	8,478
Additional noninterest expense	$267,000	8,402
Pre-tax net operating income	$278,000	8,215
Securities gains (losses)	$-4,000	9,004
Applicable income taxes	$76,000	7,244
Income before extraordinary items	$198,000	8,325
Extraordinary gains, net	$0	35
Net income	$198,000	8,326
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	7,765
Cash dividends	$180,000	5,387
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$200,880	8,272
1998-12-31 (YTD Data)		Rank
Total interest income	$2,283,000	8,333
Total interest expense	$1,190,000	7,932
Net interest income	$1,093,000	8,587
Provision for loan and lease losses	$0	8,652
Total noninterest income	$135,000	8,471
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$101,000	6,836
Trading account gains and fees	NA	NA
Additional Noninterest Income	$34,000	8,816
Total noninterest expense	$988,000	8,147
Salaries and employee benefits	$623,000	7,626
Premises and equipment expense	$85,000	9,045
Additional noninterest expense	$280,000	8,308
Pre-tax net operating income	$240,000	8,714
Securities gains (losses)	$0	4,449
Applicable income taxes	$56,000	8,229
Income before extraordinary items	$184,000	8,723
Extraordinary gains, net	$0	32
Net income	$184,000	8,722
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$29,000	5,812
Cash dividends	$90,000	6,382
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$184,000	8,656
1997-12-31 (YTD Data)		Rank
Total interest income	$2,266,000	8,677
Total interest expense	$1,165,000	8,218
Net interest income	$1,101,000	8,939
Provision for loan and lease losses	$0	8,829
Total noninterest income	$98,000	9,463
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$78,000	7,689
Trading account gains and fees	NA	NA
Additional Noninterest Income	$20,000	9,849
Total noninterest expense	$938,000	8,561
Salaries and employee benefits	$604,000	7,890
Premises and equipment expense	$91,000	9,188
Additional noninterest expense	$243,000	8,929
Pre-tax net operating income	$261,000	9,230
Securities gains (losses)	$2,000	3,292
Applicable income taxes	$86,000	8,645
Income before extraordinary items	$177,000	9,356
Extraordinary gains, net	$0	44
Net income	$177,000	9,358
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	7,548
Cash dividends	$90,000	6,641
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$175,660	9,323
1996-12-31 (YTD Data)		Rank
Total interest income	$2,047,000	9,314
Total interest expense	$1,038,000	8,886
Net interest income	$1,009,000	9,528
Provision for loan and lease losses	$0	9,041
Total noninterest income	$48,000	10,886
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$22,000	9,540
Trading account gains and fees	NA	NA
Additional Noninterest Income	$26,000	10,065
Total noninterest expense	$803,000	9,417
Salaries and employee benefits	$534,000	8,623
Premises and equipment expense	$57,000	10,437
Additional noninterest expense	$212,000	9,797
Pre-tax net operating income	$254,000	9,454
Securities gains (losses)	$-1,000	9,274
Applicable income taxes	$86,000	9,001
Income before extraordinary items	$167,000	9,633
Extraordinary gains, net	$0	53
Net income	$167,000	9,633
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-20,000	10,693
Cash dividends	$90,000	6,879
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$167,660	9,571
1995-12-31 (YTD Data)		Rank
Total interest income	$1,747,000	10,090
Total interest expense	$921,000	9,542
Net interest income	$826,000	10,458
Provision for loan and lease losses	$0	8,958
Total noninterest income	$54,000	11,282
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$23,000	9,934
Trading account gains and fees	NA	NA
Additional Noninterest Income	$31,000	10,206
Total noninterest expense	$680,000	10,265
Salaries and employee benefits	$459,000	9,465
Premises and equipment expense	$40,000	11,383
Additional noninterest expense	$181,000	10,668
Pre-tax net operating income	$200,000	10,463
Securities gains (losses)	$21,000	1,877
Applicable income taxes	$73,000	9,728
Income before extraordinary items	$148,000	10,478
Extraordinary gains, net	$0	65
Net income	$148,000	10,482
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	7,576
Cash dividends	$100,000	6,741
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$133,930	10,597
1994-12-31 (YTD Data)		Rank
Total interest income	$1,587,000	10,554
Total interest expense	$727,000	9,945
Net interest income	$860,000	10,847
Provision for loan and lease losses	$0	9,146
Total noninterest income	$45,000	12,039
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$20,000	10,549
Trading account gains and fees	NA	NA
Additional Noninterest Income	$25,000	11,111
Total noninterest expense	$705,000	10,682
Salaries and employee benefits	$470,000	9,654
Premises and equipment expense	$37,000	12,064
Additional noninterest expense	$198,000	11,176
Pre-tax net operating income	$200,000	10,894
Securities gains (losses)	$25,000	1,598
Applicable income taxes	$59,000	10,250
Income before extraordinary items	$166,000	10,650
Extraordinary gains, net	$0	249
Net income	$166,000	10,656
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	8,352
Cash dividends	$246,000	5,007
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$147,500	10,906
1993-12-31 (YTD Data)		Rank
Total interest income	$1,736,000	10,733
Total interest expense	$812,000	9,986
Net interest income	$924,000	11,063
Provision for loan and lease losses	$0	10,371
Total noninterest income	$44,000	12,688
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$24,000	10,907
Trading account gains and fees	NA	NA
Additional Noninterest Income	$20,000	12,038
Total noninterest expense	$716,000	11,085
Salaries and employee benefits	$508,000	9,593
Premises and equipment expense	$48,000	12,290
Additional noninterest expense	$160,000	12,287
Pre-tax net operating income	$252,000	10,608
Securities gains (losses)	$2,000	6,773
Applicable income taxes	$81,000	10,189
Income before extraordinary items	$173,000	10,948
Extraordinary gains, net	$0	3,149
Net income	$173,000	11,047
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-45,000	12,611
Cash dividends	$90,000	7,115
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$171,640	10,760
1992-12-31 (YTD Data)		Rank
Total interest income	$1,967,000	10,955
Total interest expense	$1,053,000	10,166
Net interest income	$914,000	11,453
Provision for loan and lease losses	$0	11,756
Total noninterest income	$52,000	13,061
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$25,000	11,220
Trading account gains and fees	NA	NA
Additional Noninterest Income	$27,000	12,017
Total noninterest expense	$735,000	11,329
Salaries and employee benefits	$544,000	9,334
Premises and equipment expense	$45,000	12,878
Additional noninterest expense	$146,000	13,009
Pre-tax net operating income	$231,000	10,782
Securities gains (losses)	$9,000	6,537
Applicable income taxes	$50,000	11,256
Income before extraordinary items	$190,000	10,736
Extraordinary gains, net	$0	1,422
Net income	$190,000	10,845
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	11,197
Cash dividends	$450,000	3,037
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$182,890	10,499

* 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.