Home > Guaranty Bank & Trust Company > Income and Expense
Guaranty Bank & Trust Company, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,057,000 | 3,878 |
| Total interest expense | $3,685,000 | 3,853 |
| Net interest income | $4,372,000 | 3,876 |
| Provision for loan and lease losses | $34,000 | 7,136 |
| Total noninterest income | $987,000 | 3,119 |
| Gross Fiduciary activities income | $4,000 | 1,311 |
| Service charges on deposit accounts | $882,000 | 1,484 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $101,000 | 6,614 |
| Total noninterest expense | $3,633,000 | 3,603 |
| Salaries and employee benefits | $1,393,000 | 4,609 |
| Premises and equipment expense | $441,000 | 4,194 |
| Additional noninterest expense | $1,799,000 | 2,423 |
| Pre-tax net operating income | $1,692,000 | 3,785 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $556,000 | 3,399 |
| Income before extraordinary items | $1,136,000 | 4,034 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,136,000 | 4,036 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 9,511 |
| Cash dividends | $500,000 | 3,483 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,136,000 | 3,996 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,885,000 | 3,991 |
| Total interest expense | $3,906,000 | 3,770 |
| Net interest income | $3,979,000 | 4,132 |
| Provision for loan and lease losses | $416,000 | 2,009 |
| Total noninterest income | $1,005,000 | 3,067 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $723,000 | 1,765 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $282,000 | 4,156 |
| Total noninterest expense | $3,307,000 | 3,786 |
| Salaries and employee benefits | $1,344,000 | 4,638 |
| Premises and equipment expense | $408,000 | 4,358 |
| Additional noninterest expense | $1,555,000 | 2,683 |
| Pre-tax net operating income | $1,261,000 | 4,729 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $429,000 | 4,240 |
| Income before extraordinary items | $832,000 | 5,062 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $832,000 | 5,062 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $296,000 | 1,876 |
| Cash dividends | $500,000 | 3,496 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $832,000 | 4,982 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,511,000 | 4,230 |
| Total interest expense | $3,711,000 | 3,944 |
| Net interest income | $3,800,000 | 4,422 |
| Provision for loan and lease losses | $480,000 | 1,829 |
| Total noninterest income | $943,000 | 3,192 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $698,000 | 1,867 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $245,000 | 4,421 |
| Total noninterest expense | $3,107,000 | 3,985 |
| Salaries and employee benefits | $1,289,000 | 4,814 |
| Premises and equipment expense | $385,000 | 4,571 |
| Additional noninterest expense | $1,433,000 | 2,855 |
| Pre-tax net operating income | $1,156,000 | 5,363 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $434,000 | 4,638 |
| Income before extraordinary items | $722,000 | 5,805 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $722,000 | 5,808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $162,000 | 2,902 |
| Cash dividends | $500,000 | 3,451 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $722,000 | 5,761 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,807,000 | 4,682 |
| Total interest expense | $3,208,000 | 4,508 |
| Net interest income | $3,599,000 | 4,717 |
| Provision for loan and lease losses | $867,000 | 1,140 |
| Total noninterest income | $1,013,000 | 3,093 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $606,000 | 2,230 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $407,000 | 3,369 |
| Total noninterest expense | $2,697,000 | 4,714 |
| Salaries and employee benefits | $1,251,000 | 5,014 |
| Premises and equipment expense | $341,000 | 5,103 |
| Additional noninterest expense | $1,105,000 | 4,043 |
| Pre-tax net operating income | $1,048,000 | 5,569 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $380,000 | 5,054 |
| Income before extraordinary items | $668,000 | 5,902 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $668,000 | 5,904 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $252,000 | 2,335 |
| Cash dividends | $500,000 | 3,368 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $668,000 | 5,849 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,211,000 | 5,049 |
| Total interest expense | $2,657,000 | 5,297 |
| Net interest income | $3,554,000 | 4,800 |
| Provision for loan and lease losses | $296,000 | 2,325 |
| Total noninterest income | $718,000 | 3,998 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $553,000 | 2,445 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $165,000 | 5,697 |
| Total noninterest expense | $2,540,000 | 4,934 |
| Salaries and employee benefits | $1,178,000 | 5,292 |
| Premises and equipment expense | $261,000 | 6,181 |
| Additional noninterest expense | $1,101,000 | 4,024 |
| Pre-tax net operating income | $1,436,000 | 4,611 |
| Securities gains (losses) | $-146,000 | 11,607 |
| Applicable income taxes | $491,000 | 4,256 |
| Income before extraordinary items | $799,000 | 5,458 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $799,000 | 5,456 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $105,000 | 3,648 |
| Cash dividends | $500,000 | 3,291 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $892,440 | 5,014 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,184,000 | 6,486 |
| Total interest expense | $1,476,000 | 6,958 |
| Net interest income | $2,708,000 | 6,087 |
| Provision for loan and lease losses | $24,000 | 7,499 |
| Total noninterest income | $619,000 | 4,552 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $400,000 | 3,374 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $219,000 | 4,985 |
| Total noninterest expense | $1,944,000 | 6,356 |
| Salaries and employee benefits | $844,000 | 6,957 |
| Premises and equipment expense | $232,000 | 6,829 |
| Additional noninterest expense | $868,000 | 5,343 |
| Pre-tax net operating income | $1,359,000 | 4,769 |
| Securities gains (losses) | $-95,000 | 11,499 |
| Applicable income taxes | $500,000 | 4,049 |
| Income before extraordinary items | $764,000 | 5,533 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $764,000 | 5,550 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $120,000 | 3,390 |
| Cash dividends | $125,000 | 6,452 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $824,800 | 5,299 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,874,000 | 5,907 |
| Total interest expense | $2,082,000 | 5,652 |
| Net interest income | $2,792,000 | 5,989 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $525,000 | 5,421 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $443,000 | 3,145 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $82,000 | 8,541 |
| Total noninterest expense | $2,174,000 | 5,916 |
| Salaries and employee benefits | $940,000 | 6,476 |
| Premises and equipment expense | $256,000 | 6,582 |
| Additional noninterest expense | $978,000 | 5,010 |
| Pre-tax net operating income | $1,143,000 | 5,357 |
| Securities gains (losses) | $42,000 | 3,661 |
| Applicable income taxes | $63,000 | 10,631 |
| Income before extraordinary items | $1,122,000 | 4,254 |
| Extraordinary gains, net | $8,000 | 2,989 |
| Net income | $1,130,000 | 4,349 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $88,000 | 4,830 |
| Cash dividends | $120,000 | 6,522 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,082,100 | 4,168 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,258,000 | 6,131 |
| Total interest expense | $2,428,000 | 6,128 |
| Net interest income | $2,830,000 | 6,007 |
| Provision for loan and lease losses | $423,000 | 3,332 |
| Total noninterest income | $463,000 | 5,950 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $400,000 | 3,485 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $63,000 | 9,641 |
| Total noninterest expense | $2,135,000 | 6,075 |
| Salaries and employee benefits | $848,000 | 6,944 |
| Premises and equipment expense | $242,000 | 6,944 |
| Additional noninterest expense | $1,045,000 | 4,876 |
| Pre-tax net operating income | $735,000 | 6,916 |
| Securities gains (losses) | $80,000 | 3,372 |
| Applicable income taxes | $248,000 | 6,693 |
| Income before extraordinary items | $567,000 | 6,799 |
| Extraordinary gains, net | $240,000 | 364 |
| Net income | $807,000 | 5,374 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $526,000 | 2,389 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $511,000 | 6,857 |
* 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.