Home > Graham Savings Bank, Inc., SSB > Income and Expense
Graham Savings Bank, Inc., SSB, Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $9,038,000 | 3,602 |
| Total interest expense | $4,769,000 | 3,151 |
| Net interest income | $4,269,000 | 4,087 |
| Provision for loan and lease losses | $13,000 | 8,094 |
| Total noninterest income | $1,403,000 | 2,408 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $78,000 | 8,360 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,325,000 | 1,486 |
| Total noninterest expense | $3,411,000 | 3,832 |
| Salaries and employee benefits | $1,621,000 | 4,001 |
| Premises and equipment expense | $152,000 | 8,217 |
| Additional noninterest expense | $1,638,000 | 2,838 |
| Pre-tax net operating income | $2,248,000 | 3,153 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $333,000 | 5,623 |
| Income before extraordinary items | $1,915,000 | 2,609 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,915,000 | 2,608 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 5,140 |
| Cash dividends | $13,000,000 | 338 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,915,000 | 2,580 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $9,832,000 | 3,074 |
| Total interest expense | $3,521,000 | 3,433 |
| Net interest income | $6,311,000 | 2,864 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $1,395,000 | 2,436 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $88,000 | 8,439 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,307,000 | 1,534 |
| Total noninterest expense | $4,105,000 | 3,345 |
| Salaries and employee benefits | $1,776,000 | 3,665 |
| Premises and equipment expense | $131,000 | 9,070 |
| Additional noninterest expense | $2,198,000 | 2,392 |
| Pre-tax net operating income | $3,601,000 | 1,981 |
| Securities gains (losses) | $373,000 | 336 |
| Applicable income taxes | $1,042,000 | 2,141 |
| Income before extraordinary items | $2,932,000 | 1,672 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,932,000 | 1,671 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $200,000 | 5,405 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,655,980 | 1,840 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,285,000 | 9,612 |
| Total interest expense | $890,000 | 9,594 |
| Net interest income | $1,395,000 | 9,431 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $378,000 | 6,724 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $18,000 | 11,051 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $360,000 | 4,039 |
| Total noninterest expense | $995,000 | 9,744 |
| Salaries and employee benefits | $443,000 | 10,224 |
| Premises and equipment expense | $35,000 | 12,695 |
| Additional noninterest expense | $517,000 | 8,054 |
| Pre-tax net operating income | $778,000 | 6,928 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $175,000 | 8,105 |
| Income before extraordinary items | $603,000 | 6,755 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $603,000 | 6,923 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $4,450,000 | 215 |
| Net operating income | $603,000 | 6,512 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $9,875,000 | 3,528 |
| Total interest expense | $4,931,000 | 3,353 |
| Net interest income | $4,944,000 | 3,681 |
| Provision for loan and lease losses | $126,000 | 6,581 |
| Total noninterest income | $235,000 | 8,767 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $73,000 | 9,449 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $162,000 | 6,369 |
| Total noninterest expense | $1,692,000 | 7,279 |
| Salaries and employee benefits | $790,000 | 7,318 |
| Premises and equipment expense | $354,000 | 5,320 |
| Additional noninterest expense | $548,000 | 8,005 |
| Pre-tax net operating income | $3,361,000 | 1,842 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $1,357,000 | 1,576 |
| Income before extraordinary items | $2,004,000 | 2,290 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,004,000 | 2,328 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,004,000 | 2,119 |
* 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.