Home > Guaranty Bank > Income and Expense
Guaranty Bank, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,300,000 | 4,001 |
| Total interest expense | $3,853,000 | 4,096 |
| Net interest income | $4,447,000 | 3,837 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $483,000 | 5,005 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $257,000 | 4,446 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $226,000 | 4,515 |
| Total noninterest expense | $3,400,000 | 3,814 |
| Salaries and employee benefits | $1,673,000 | 4,000 |
| Premises and equipment expense | $478,000 | 3,927 |
| Additional noninterest expense | $1,249,000 | 3,298 |
| Pre-tax net operating income | $1,530,000 | 4,020 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $236,000 | 5,089 |
| Income before extraordinary items | $1,294,000 | 3,649 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,294,000 | 3,649 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,482 |
| Cash dividends | $609,000 | 3,159 |
| Sale, conversion, retirement of capital stock, net | $-15,000 | 9,744 |
| Net operating income | $1,294,000 | 3,642 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,745,000 | 4,039 |
| Total interest expense | $3,721,000 | 3,820 |
| Net interest income | $4,024,000 | 4,155 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $635,000 | 4,265 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $240,000 | 4,634 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $395,000 | 3,456 |
| Total noninterest expense | $3,350,000 | 3,845 |
| Salaries and employee benefits | $1,598,000 | 4,127 |
| Premises and equipment expense | $475,000 | 3,951 |
| Additional noninterest expense | $1,277,000 | 3,257 |
| Pre-tax net operating income | $1,309,000 | 4,499 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $1,309,000 | 3,624 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,309,000 | 3,625 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 5,270 |
| Cash dividends | $538,000 | 3,376 |
| Sale, conversion, retirement of capital stock, net | $-156,000 | 10,109 |
| Net operating income | $1,309,000 | 3,587 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,688,000 | 4,080 |
| Total interest expense | $3,881,000 | 3,788 |
| Net interest income | $3,807,000 | 4,294 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $442,000 | 5,316 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $208,000 | 5,047 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $234,000 | 4,560 |
| Total noninterest expense | $3,214,000 | 3,876 |
| Salaries and employee benefits | $1,459,000 | 4,329 |
| Premises and equipment expense | $525,000 | 3,557 |
| Additional noninterest expense | $1,230,000 | 3,301 |
| Pre-tax net operating income | $1,035,000 | 5,313 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $410,000 | 4,349 |
| Income before extraordinary items | $625,000 | 5,939 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $625,000 | 5,938 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 9,619 |
| Cash dividends | $342,000 | 4,306 |
| Sale, conversion, retirement of capital stock, net | $917,000 | 482 |
| Net operating income | $625,000 | 5,838 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,396,000 | 4,300 |
| Total interest expense | $3,419,000 | 4,222 |
| Net interest income | $3,977,000 | 4,258 |
| Provision for loan and lease losses | $110,000 | 4,963 |
| Total noninterest income | $379,000 | 5,907 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $180,000 | 5,659 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $199,000 | 4,961 |
| Total noninterest expense | $2,950,000 | 4,146 |
| Salaries and employee benefits | $1,327,000 | 4,702 |
| Premises and equipment expense | $541,000 | 3,451 |
| Additional noninterest expense | $1,082,000 | 3,637 |
| Pre-tax net operating income | $1,296,000 | 4,974 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $402,000 | 4,873 |
| Income before extraordinary items | $894,000 | 5,076 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $894,000 | 5,078 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $391,000 | 1,624 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $-6,006,000 | 10,910 |
| Net operating income | $894,000 | 5,020 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,925,000 | 4,620 |
| Total interest expense | $2,988,000 | 4,800 |
| Net interest income | $3,937,000 | 4,391 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $338,000 | 6,535 |
| Gross Fiduciary activities income | $1,000 | 1,500 |
| Service charges on deposit accounts | $134,000 | 6,768 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $203,000 | 5,117 |
| Total noninterest expense | $2,753,000 | 4,628 |
| Salaries and employee benefits | $1,317,000 | 4,805 |
| Premises and equipment expense | $442,000 | 4,178 |
| Additional noninterest expense | $994,000 | 4,427 |
| Pre-tax net operating income | $1,522,000 | 4,288 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $500,000 | 4,144 |
| Income before extraordinary items | $1,022,000 | 4,408 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,022,000 | 4,409 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 4,277 |
| Cash dividends | $882,000 | 2,354 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,022,000 | 4,352 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,887,000 | 4,636 |
| Total interest expense | $3,037,000 | 4,700 |
| Net interest income | $3,850,000 | 4,447 |
| Provision for loan and lease losses | $64,000 | 5,599 |
| Total noninterest income | $245,000 | 7,763 |
| Gross Fiduciary activities income | $2,000 | 1,553 |
| Service charges on deposit accounts | $122,000 | 7,271 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $121,000 | 6,633 |
| Total noninterest expense | $2,904,000 | 4,413 |
| Salaries and employee benefits | $1,296,000 | 4,872 |
| Premises and equipment expense | $435,000 | 4,227 |
| Additional noninterest expense | $1,173,000 | 3,810 |
| Pre-tax net operating income | $1,127,000 | 5,501 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $-956,000 | 11,904 |
| Income before extraordinary items | $2,083,000 | 2,410 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,083,000 | 2,409 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $160,000 | 2,884 |
| Cash dividends | $1,750,000 | 1,347 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,083,000 | 2,387 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,761,000 | 4,361 |
| Total interest expense | $2,681,000 | 4,364 |
| Net interest income | $4,080,000 | 4,297 |
| Provision for loan and lease losses | $266,000 | 2,476 |
| Total noninterest income | $418,000 | 5,975 |
| Gross Fiduciary activities income | $9,000 | 1,479 |
| Service charges on deposit accounts | $134,000 | 7,250 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $275,000 | 4,343 |
| Total noninterest expense | $3,673,000 | 3,681 |
| Salaries and employee benefits | $1,495,000 | 4,288 |
| Premises and equipment expense | $528,000 | 3,626 |
| Additional noninterest expense | $1,650,000 | 3,045 |
| Pre-tax net operating income | $559,000 | 8,251 |
| Securities gains (losses) | $-3,000 | 9,178 |
| Applicable income taxes | $176,000 | 7,790 |
| Income before extraordinary items | $380,000 | 8,358 |
| Extraordinary gains, net | $176,000 | 73 |
| Net income | $556,000 | 6,869 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $390,000 | 1,622 |
| Cash dividends | $450,000 | 3,436 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $382,040 | 8,381 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,276,000 | 4,161 |
| Total interest expense | $2,869,000 | 4,277 |
| Net interest income | $4,407,000 | 4,023 |
| Provision for loan and lease losses | $60,000 | 6,949 |
| Total noninterest income | $225,000 | 8,774 |
| Gross Fiduciary activities income | $7,000 | 1,531 |
| Service charges on deposit accounts | $133,000 | 7,508 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $85,000 | 8,419 |
| Total noninterest expense | $3,932,000 | 3,547 |
| Salaries and employee benefits | $1,494,000 | 4,292 |
| Premises and equipment expense | $560,000 | 3,528 |
| Additional noninterest expense | $1,878,000 | 2,882 |
| Pre-tax net operating income | $640,000 | 7,686 |
| Securities gains (losses) | $-2,000 | 12,373 |
| Applicable income taxes | $203,000 | 7,553 |
| Income before extraordinary items | $435,000 | 8,103 |
| Extraordinary gains, net | $203,000 | 1,003 |
| Net income | $638,000 | 6,668 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $712,000 | 1,427 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $436,360 | 7,819 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $8,548,000 | 4,041 |
| Total interest expense | $4,160,000 | 3,932 |
| Net interest income | $4,388,000 | 4,101 |
| Provision for loan and lease losses | $90,000 | 7,540 |
| Total noninterest income | $241,000 | 8,649 |
| Gross Fiduciary activities income | $21,000 | 1,481 |
| Service charges on deposit accounts | $148,000 | 7,158 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $72,000 | 9,195 |
| Total noninterest expense | $4,022,000 | 3,489 |
| Salaries and employee benefits | $1,733,000 | 3,691 |
| Premises and equipment expense | $561,000 | 3,585 |
| Additional noninterest expense | $1,728,000 | 3,167 |
| Pre-tax net operating income | $517,000 | 8,294 |
| Securities gains (losses) | $15,000 | 5,962 |
| Applicable income taxes | $136,000 | 8,982 |
| Income before extraordinary items | $396,000 | 8,261 |
| Extraordinary gains, net | $136,000 | 599 |
| Net income | $532,000 | 7,152 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $761,000 | 1,876 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $384,900 | 8,018 |
* 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.