Home > Graves County Bank, Inc. > Income and Expense
Graves County Bank, Inc., Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,943,000 | 5,042 |
| Total interest expense | $3,333,000 | 4,336 |
| Net interest income | $2,610,000 | 5,679 |
| Provision for loan and lease losses | $165,000 | 3,956 |
| Total noninterest income | $600,000 | 4,388 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $420,000 | 3,001 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $180,000 | 5,229 |
| Total noninterest expense | $2,067,000 | 5,476 |
| Salaries and employee benefits | $617,000 | 7,662 |
| Premises and equipment expense | $168,000 | 7,274 |
| Additional noninterest expense | $1,282,000 | 3,177 |
| Pre-tax net operating income | $978,000 | 5,481 |
| Securities gains (losses) | $2,000 | 3,909 |
| Applicable income taxes | $241,000 | 5,728 |
| Income before extraordinary items | $739,000 | 5,448 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $739,000 | 5,448 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $171,000 | 2,703 |
| Cash dividends | $400,000 | 3,951 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $737,500 | 5,343 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,394,000 | 5,490 |
| Total interest expense | $3,073,000 | 4,611 |
| Net interest income | $2,321,000 | 6,333 |
| Provision for loan and lease losses | $165,000 | 3,914 |
| Total noninterest income | $502,000 | 4,986 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $380,000 | 3,361 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $122,000 | 6,233 |
| Total noninterest expense | $1,996,000 | 5,667 |
| Salaries and employee benefits | $613,000 | 7,832 |
| Premises and equipment expense | $134,000 | 8,154 |
| Additional noninterest expense | $1,249,000 | 3,238 |
| Pre-tax net operating income | $662,000 | 7,151 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $174,000 | 7,253 |
| Income before extraordinary items | $488,000 | 7,044 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $488,000 | 7,046 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $145,000 | 3,092 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $488,000 | 6,998 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,569,000 | 7,304 |
| Total interest expense | $1,734,000 | 7,000 |
| Net interest income | $1,835,000 | 7,485 |
| Provision for loan and lease losses | $60,000 | 6,086 |
| Total noninterest income | $415,000 | 5,827 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $344,000 | 3,809 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $71,000 | 8,053 |
| Total noninterest expense | $1,589,000 | 6,871 |
| Salaries and employee benefits | $516,000 | 8,745 |
| Premises and equipment expense | $158,000 | 7,875 |
| Additional noninterest expense | $915,000 | 4,698 |
| Pre-tax net operating income | $601,000 | 7,412 |
| Securities gains (losses) | $41,000 | 1,473 |
| Applicable income taxes | $192,000 | 7,254 |
| Income before extraordinary items | $450,000 | 7,237 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $450,000 | 7,240 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 4,696 |
| Cash dividends | $220,000 | 5,231 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $421,300 | 7,387 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,228,000 | 7,892 |
| Total interest expense | $1,493,000 | 7,724 |
| Net interest income | $1,735,000 | 7,925 |
| Provision for loan and lease losses | $12,000 | 8,132 |
| Total noninterest income | $399,000 | 5,998 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $331,000 | 3,953 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $68,000 | 8,433 |
| Total noninterest expense | $1,486,000 | 7,318 |
| Salaries and employee benefits | $445,000 | 9,583 |
| Premises and equipment expense | $127,000 | 8,867 |
| Additional noninterest expense | $914,000 | 4,706 |
| Pre-tax net operating income | $636,000 | 7,673 |
| Securities gains (losses) | $7,000 | 2,620 |
| Applicable income taxes | $213,000 | 7,202 |
| Income before extraordinary items | $430,000 | 7,804 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $430,000 | 7,803 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,657 |
| Cash dividends | $225,000 | 5,195 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $425,310 | 7,809 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,695,000 | 8,563 |
| Total interest expense | $1,023,000 | 8,596 |
| Net interest income | $1,672,000 | 8,380 |
| Provision for loan and lease losses | $60,000 | 5,594 |
| Total noninterest income | $258,000 | 7,831 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $200,000 | 5,872 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $58,000 | 9,194 |
| Total noninterest expense | $1,208,000 | 8,572 |
| Salaries and employee benefits | $454,000 | 9,795 |
| Premises and equipment expense | $222,000 | 7,023 |
| Additional noninterest expense | $532,000 | 7,585 |
| Pre-tax net operating income | $662,000 | 7,639 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $218,000 | 7,042 |
| Income before extraordinary items | $444,000 | 7,774 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $444,000 | 7,785 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 7,569 |
| Cash dividends | $24,000 | 8,512 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $444,000 | 7,814 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,683,000 | 8,855 |
| Total interest expense | $1,030,000 | 8,966 |
| Net interest income | $1,653,000 | 8,631 |
| Provision for loan and lease losses | $60,000 | 6,949 |
| Total noninterest income | $226,000 | 8,754 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $180,000 | 6,372 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $46,000 | 10,323 |
| Total noninterest expense | $1,157,000 | 9,076 |
| Salaries and employee benefits | $489,000 | 9,780 |
| Premises and equipment expense | $186,000 | 7,988 |
| Additional noninterest expense | $482,000 | 8,408 |
| Pre-tax net operating income | $662,000 | 7,559 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $209,000 | 7,456 |
| Income before extraordinary items | $453,000 | 7,946 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $453,000 | 8,120 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 11,177 |
| Cash dividends | $79,000 | 7,350 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $453,000 | 7,685 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,799,000 | 9,332 |
| Total interest expense | $1,302,000 | 9,226 |
| Net interest income | $1,497,000 | 9,282 |
| Provision for loan and lease losses | $60,000 | 8,535 |
| Total noninterest income | $218,000 | 9,074 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $171,000 | 6,588 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $47,000 | 10,600 |
| Total noninterest expense | $1,105,000 | 9,489 |
| Salaries and employee benefits | $471,000 | 10,073 |
| Premises and equipment expense | $191,000 | 8,052 |
| Additional noninterest expense | $443,000 | 9,061 |
| Pre-tax net operating income | $550,000 | 8,068 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $153,000 | 8,537 |
| Income before extraordinary items | $397,000 | 8,253 |
| Extraordinary gains, net | $49,000 | 993 |
| Net income | $446,000 | 7,901 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 8,662 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $397,000 | 7,893 |
* 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.