Home > Guaranty Bank & Trust > Income and Expense
Guaranty Bank & Trust, Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $14,677,000 | 2,335 |
| Total interest expense | $7,184,000 | 2,231 |
| Net interest income | $7,493,000 | 2,394 |
| Provision for loan and lease losses | $2,787,000 | 541 |
| Total noninterest income | $2,536,000 | 1,676 |
| Gross Fiduciary activities income | $6,000 | 1,512 |
| Service charges on deposit accounts | $862,000 | 1,767 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,668,000 | 1,417 |
| Total noninterest expense | $6,621,000 | 2,170 |
| Salaries and employee benefits | $3,467,000 | 2,162 |
| Premises and equipment expense | $686,000 | 2,999 |
| Additional noninterest expense | $2,468,000 | 1,854 |
| Pre-tax net operating income | $621,000 | 6,097 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $256,000 | 4,575 |
| Income before extraordinary items | $365,000 | 6,761 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $365,000 | 6,762 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,638,000 | 464 |
| Cash dividends | $167,000 | 5,214 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $365,000 | 6,632 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $15,645,000 | 2,249 |
| Total interest expense | $7,749,000 | 2,192 |
| Net interest income | $7,896,000 | 2,255 |
| Provision for loan and lease losses | $352,000 | 2,559 |
| Total noninterest income | $2,048,000 | 1,838 |
| Gross Fiduciary activities income | $9,000 | 1,228 |
| Service charges on deposit accounts | $725,000 | 1,906 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,314,000 | 1,544 |
| Total noninterest expense | $6,228,000 | 2,208 |
| Salaries and employee benefits | $3,359,000 | 2,128 |
| Premises and equipment expense | $718,000 | 2,822 |
| Additional noninterest expense | $2,151,000 | 2,016 |
| Pre-tax net operating income | $3,373,000 | 2,150 |
| Securities gains (losses) | $-1,000 | 7,406 |
| Applicable income taxes | $1,261,000 | 1,750 |
| Income before extraordinary items | $2,111,000 | 2,426 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,111,000 | 2,426 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $141,000 | 2,977 |
| Cash dividends | $851,000 | 2,550 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,111,640 | 2,434 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $11,523,000 | 2,806 |
| Total interest expense | $5,162,000 | 2,826 |
| Net interest income | $6,361,000 | 2,761 |
| Provision for loan and lease losses | $142,000 | 4,395 |
| Total noninterest income | $1,132,000 | 2,814 |
| Gross Fiduciary activities income | $33,000 | 1,154 |
| Service charges on deposit accounts | $630,000 | 2,114 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $469,000 | 3,076 |
| Total noninterest expense | $5,818,000 | 2,342 |
| Salaries and employee benefits | $3,235,000 | 2,171 |
| Premises and equipment expense | $696,000 | 2,872 |
| Additional noninterest expense | $1,887,000 | 2,319 |
| Pre-tax net operating income | $1,533,000 | 4,033 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $631,000 | 3,108 |
| Income before extraordinary items | $902,000 | 4,741 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $902,000 | 4,740 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $158,000 | 2,771 |
| Cash dividends | $604,000 | 3,122 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $902,000 | 4,696 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $10,652,000 | 3,030 |
| Total interest expense | $4,545,000 | 3,264 |
| Net interest income | $6,107,000 | 2,814 |
| Provision for loan and lease losses | $54,000 | 6,469 |
| Total noninterest income | $1,719,000 | 2,043 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $556,000 | 2,320 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,163,000 | 1,666 |
| Total noninterest expense | $4,540,000 | 2,857 |
| Salaries and employee benefits | $2,512,000 | 2,702 |
| Premises and equipment expense | $467,000 | 3,897 |
| Additional noninterest expense | $1,561,000 | 2,670 |
| Pre-tax net operating income | $3,232,000 | 2,216 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,282,000 | 1,875 |
| Income before extraordinary items | $1,950,000 | 2,619 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,950,000 | 2,620 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 3,715 |
| Cash dividends | $457,000 | 3,724 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,950,000 | 2,536 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,725,000 | 3,323 |
| Total interest expense | $4,099,000 | 3,585 |
| Net interest income | $5,626,000 | 3,107 |
| Provision for loan and lease losses | $300,000 | 2,568 |
| Total noninterest income | $1,195,000 | 2,637 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $447,000 | 2,909 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $748,000 | 2,121 |
| Total noninterest expense | $3,663,000 | 3,455 |
| Salaries and employee benefits | $2,006,000 | 3,305 |
| Premises and equipment expense | $385,000 | 4,571 |
| Additional noninterest expense | $1,272,000 | 3,181 |
| Pre-tax net operating income | $2,858,000 | 2,590 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,158,000 | 2,153 |
| Income before extraordinary items | $1,700,000 | 2,993 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,700,000 | 2,992 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $215,000 | 2,431 |
| Cash dividends | $628,000 | 2,988 |
| Sale, conversion, retirement of capital stock, net | $-27,000 | 10,741 |
| Net operating income | $1,700,000 | 2,937 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,890,000 | 3,658 |
| Total interest expense | $3,574,000 | 4,114 |
| Net interest income | $5,316,000 | 3,332 |
| Provision for loan and lease losses | $280,000 | 2,725 |
| Total noninterest income | $940,000 | 3,296 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $428,000 | 3,139 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $512,000 | 2,871 |
| Total noninterest expense | $3,396,000 | 3,890 |
| Salaries and employee benefits | $1,876,000 | 3,532 |
| Premises and equipment expense | $384,000 | 4,687 |
| Additional noninterest expense | $1,136,000 | 3,953 |
| Pre-tax net operating income | $2,580,000 | 2,702 |
| Securities gains (losses) | $41,000 | 1,473 |
| Applicable income taxes | $1,055,000 | 2,234 |
| Income before extraordinary items | $1,566,000 | 3,063 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,566,000 | 3,065 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $197,000 | 2,700 |
| Cash dividends | $390,000 | 3,980 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,539,760 | 3,079 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,759,000 | 4,706 |
| Total interest expense | $2,756,000 | 5,132 |
| Net interest income | $4,003,000 | 4,309 |
| Provision for loan and lease losses | $233,000 | 2,741 |
| Total noninterest income | $606,000 | 4,537 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $343,000 | 3,838 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $263,000 | 4,353 |
| Total noninterest expense | $2,643,000 | 4,760 |
| Salaries and employee benefits | $1,464,000 | 4,378 |
| Premises and equipment expense | $296,000 | 5,689 |
| Additional noninterest expense | $883,000 | 4,849 |
| Pre-tax net operating income | $1,733,000 | 3,971 |
| Securities gains (losses) | $-1,000 | 9,017 |
| Applicable income taxes | $711,000 | 3,196 |
| Income before extraordinary items | $1,021,000 | 4,516 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,021,000 | 4,514 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,954 |
| Cash dividends | $229,000 | 5,175 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,021,640 | 4,504 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,121,000 | 5,567 |
| Total interest expense | $1,837,000 | 5,977 |
| Net interest income | $3,284,000 | 5,220 |
| Provision for loan and lease losses | $123,000 | 4,008 |
| Total noninterest income | $553,000 | 4,936 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $377,000 | 3,586 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $176,000 | 5,699 |
| Total noninterest expense | $2,299,000 | 5,544 |
| Salaries and employee benefits | $1,299,000 | 4,886 |
| Premises and equipment expense | $278,000 | 6,034 |
| Additional noninterest expense | $722,000 | 6,172 |
| Pre-tax net operating income | $1,415,000 | 4,636 |
| Securities gains (losses) | $4,000 | 2,755 |
| Applicable income taxes | $496,000 | 4,078 |
| Income before extraordinary items | $923,000 | 4,801 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $923,000 | 4,808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,921 |
| Cash dividends | $68,000 | 7,568 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $920,400 | 4,871 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,798,000 | 5,990 |
| Total interest expense | $1,831,000 | 6,262 |
| Net interest income | $2,967,000 | 5,704 |
| Provision for loan and lease losses | $339,000 | 2,775 |
| Total noninterest income | $559,000 | 5,197 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $396,000 | 3,476 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $163,000 | 6,291 |
| Total noninterest expense | $2,351,000 | 5,558 |
| Salaries and employee benefits | $1,229,000 | 5,123 |
| Premises and equipment expense | $306,000 | 5,744 |
| Additional noninterest expense | $816,000 | 5,835 |
| Pre-tax net operating income | $836,000 | 6,638 |
| Securities gains (losses) | $24,000 | 4,420 |
| Applicable income taxes | $301,000 | 6,074 |
| Income before extraordinary items | $559,000 | 7,087 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $559,000 | 7,250 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $334,000 | 2,305 |
| Cash dividends | $271,000 | 4,667 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $543,400 | 6,958 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,123,000 | 6,268 |
| Total interest expense | $2,253,000 | 6,503 |
| Net interest income | $2,870,000 | 5,924 |
| Provision for loan and lease losses | $83,000 | 7,797 |
| Total noninterest income | $713,000 | 4,343 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $415,000 | 3,344 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $298,000 | 4,448 |
| Total noninterest expense | $2,266,000 | 5,768 |
| Salaries and employee benefits | $1,182,000 | 5,238 |
| Premises and equipment expense | $301,000 | 5,952 |
| Additional noninterest expense | $783,000 | 6,181 |
| Pre-tax net operating income | $1,234,000 | 4,812 |
| Securities gains (losses) | $3,000 | 7,429 |
| Applicable income taxes | $432,000 | 4,518 |
| Income before extraordinary items | $805,000 | 5,335 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $805,000 | 5,391 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 12,286 |
| Cash dividends | $271,000 | 4,288 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $803,050 | 5,048 |
* 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.