Home > Guaranty Federal Savings Bank > Income and Expense
Guaranty Federal Savings Bank, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,381,000 | 8,854 |
| Total interest expense | $1,405,000 | 7,821 |
| Net interest income | $976,000 | 9,622 |
| Provision for loan and lease losses | $85,000 | 5,471 |
| Total noninterest income | $230,000 | 7,848 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $230,000 | 4,788 |
| Total noninterest expense | $1,279,000 | 7,725 |
| Salaries and employee benefits | $462,000 | 9,164 |
| Premises and equipment expense | $204,000 | 6,963 |
| Additional noninterest expense | $613,000 | 6,274 |
| Pre-tax net operating income | $-158,000 | 11,024 |
| Securities gains (losses) | $75,000 | 1,102 |
| Applicable income taxes | $10,000 | 10,369 |
| Income before extraordinary items | $-93,000 | 10,987 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-93,000 | 10,986 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 4,811 |
| Cash dividends | $48,000 | 7,596 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 935 |
| Net operating income | $-168,000 | 11,038 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,095,000 | 6,885 |
| Total interest expense | $2,552,000 | 5,470 |
| Net interest income | $1,543,000 | 8,416 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $330,000 | 6,717 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $330,000 | 3,769 |
| Total noninterest expense | $1,526,000 | 7,186 |
| Salaries and employee benefits | $778,000 | 7,218 |
| Premises and equipment expense | $286,000 | 5,843 |
| Additional noninterest expense | $462,000 | 7,591 |
| Pre-tax net operating income | $347,000 | 9,404 |
| Securities gains (losses) | $364,000 | 444 |
| Applicable income taxes | $269,000 | 6,377 |
| Income before extraordinary items | $442,000 | 7,707 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $442,000 | 7,708 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 4,152 |
| Cash dividends | $68,000 | 7,430 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $209,040 | 9,808 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,817,000 | 8,364 |
| Total interest expense | $1,593,000 | 6,616 |
| Net interest income | $1,224,000 | 9,695 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $291,000 | 7,362 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $291,000 | 4,167 |
| Total noninterest expense | $1,342,000 | 8,113 |
| Salaries and employee benefits | $677,000 | 8,049 |
| Premises and equipment expense | $253,000 | 6,473 |
| Additional noninterest expense | $412,000 | 8,705 |
| Pre-tax net operating income | $173,000 | 11,099 |
| Securities gains (losses) | $229,000 | 454 |
| Applicable income taxes | $170,000 | 7,925 |
| Income before extraordinary items | $232,000 | 9,896 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $232,000 | 9,909 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,455 |
| Cash dividends | $68,000 | 7,568 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $85,440 | 11,569 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,759,000 | 8,732 |
| Total interest expense | $1,461,000 | 7,334 |
| Net interest income | $1,298,000 | 9,738 |
| Provision for loan and lease losses | $8,000 | 9,904 |
| Total noninterest income | $347,000 | 7,063 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $347,000 | 4,127 |
| Total noninterest expense | $1,628,000 | 7,418 |
| Salaries and employee benefits | $739,000 | 7,716 |
| Premises and equipment expense | $273,000 | 6,295 |
| Additional noninterest expense | $616,000 | 7,199 |
| Pre-tax net operating income | $9,000 | 12,353 |
| Securities gains (losses) | $360,000 | 1,130 |
| Applicable income taxes | $1,000 | 12,075 |
| Income before extraordinary items | $368,000 | 8,760 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $368,000 | 8,918 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $120,000 | 4,167 |
| Cash dividends | $57,000 | 7,811 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 1,151 |
| Net operating income | $8,000 | 12,349 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,757,000 | 7,830 |
| Total interest expense | $2,397,000 | 6,189 |
| Net interest income | $1,360,000 | 9,765 |
| Provision for loan and lease losses | $741,000 | 2,279 |
| Total noninterest income | $308,000 | 7,614 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $308,000 | 4,349 |
| Total noninterest expense | $1,421,000 | 8,210 |
| Salaries and employee benefits | $695,000 | 8,030 |
| Premises and equipment expense | $220,000 | 7,396 |
| Additional noninterest expense | $506,000 | 8,398 |
| Pre-tax net operating income | $-494,000 | 13,290 |
| Securities gains (losses) | $247,000 | 1,739 |
| Applicable income taxes | $-42,000 | 13,483 |
| Income before extraordinary items | $-205,000 | 13,189 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-205,000 | 13,182 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $272,000 | 3,539 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-410,010 | 13,224 |
* 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.