Home > Guaranty State Bank > Income and Expense
Guaranty State Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,109,000 | 3,922 |
| Total interest expense | $3,854,000 | 3,818 |
| Net interest income | $4,255,000 | 4,017 |
| Provision for loan and lease losses | $211,000 | 3,323 |
| Total noninterest income | $471,000 | 5,193 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $270,000 | 4,401 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $201,000 | 4,944 |
| Total noninterest expense | $2,796,000 | 4,343 |
| Salaries and employee benefits | $1,648,000 | 3,929 |
| Premises and equipment expense | $396,000 | 4,482 |
| Additional noninterest expense | $752,000 | 4,958 |
| Pre-tax net operating income | $1,719,000 | 4,006 |
| Securities gains (losses) | $15,000 | 2,081 |
| Applicable income taxes | $556,000 | 3,901 |
| Income before extraordinary items | $1,178,000 | 4,121 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,178,000 | 4,121 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $131,000 | 3,272 |
| Cash dividends | $375,000 | 4,099 |
| Sale, conversion, retirement of capital stock, net | $96,000 | 775 |
| Net operating income | $1,167,800 | 4,087 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,457,000 | 4,308 |
| Total interest expense | $3,597,000 | 4,089 |
| Net interest income | $3,860,000 | 4,463 |
| Provision for loan and lease losses | $142,000 | 4,211 |
| Total noninterest income | $400,000 | 5,950 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $223,000 | 5,192 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $177,000 | 5,512 |
| Total noninterest expense | $2,484,000 | 5,034 |
| Salaries and employee benefits | $1,503,000 | 4,295 |
| Premises and equipment expense | $348,000 | 5,029 |
| Additional noninterest expense | $633,000 | 6,143 |
| Pre-tax net operating income | $1,634,000 | 4,058 |
| Securities gains (losses) | $-3,000 | 9,684 |
| Applicable income taxes | $517,000 | 4,047 |
| Income before extraordinary items | $1,114,000 | 4,117 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,114,000 | 4,118 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $172,000 | 2,928 |
| Cash dividends | $332,000 | 4,295 |
| Sale, conversion, retirement of capital stock, net | $69,000 | 688 |
| Net operating income | $1,116,040 | 4,064 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,549,000 | 4,824 |
| Total interest expense | $2,909,000 | 4,899 |
| Net interest income | $3,640,000 | 4,690 |
| Provision for loan and lease losses | $183,000 | 3,199 |
| Total noninterest income | $383,000 | 6,145 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $225,000 | 5,262 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $158,000 | 5,834 |
| Total noninterest expense | $2,394,000 | 5,182 |
| Salaries and employee benefits | $1,433,000 | 4,455 |
| Premises and equipment expense | $339,000 | 5,146 |
| Additional noninterest expense | $622,000 | 6,391 |
| Pre-tax net operating income | $1,446,000 | 4,592 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $445,000 | 4,561 |
| Income before extraordinary items | $1,001,000 | 4,625 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,001,000 | 4,624 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 6,176 |
| Cash dividends | $278,000 | 4,734 |
| Sale, conversion, retirement of capital stock, net | $19,000 | 724 |
| Net operating income | $1,001,000 | 4,594 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,237,000 | 5,450 |
| Total interest expense | $2,001,000 | 5,613 |
| Net interest income | $3,236,000 | 5,280 |
| Provision for loan and lease losses | $144,000 | 3,703 |
| Total noninterest income | $403,000 | 6,128 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $226,000 | 5,407 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $177,000 | 5,670 |
| Total noninterest expense | $2,277,000 | 5,574 |
| Salaries and employee benefits | $1,307,000 | 4,849 |
| Premises and equipment expense | $329,000 | 5,325 |
| Additional noninterest expense | $641,000 | 6,730 |
| Pre-tax net operating income | $1,218,000 | 5,190 |
| Securities gains (losses) | $13,000 | 2,050 |
| Applicable income taxes | $363,000 | 5,121 |
| Income before extraordinary items | $868,000 | 5,041 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $868,000 | 5,046 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 3,905 |
| Cash dividends | $276,000 | 4,705 |
| Sale, conversion, retirement of capital stock, net | $19,000 | 1,022 |
| Net operating income | $858,770 | 5,134 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,856,000 | 5,923 |
| Total interest expense | $1,892,000 | 6,109 |
| Net interest income | $2,964,000 | 5,708 |
| Provision for loan and lease losses | $229,000 | 3,627 |
| Total noninterest income | $556,000 | 5,211 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $224,000 | 5,526 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $332,000 | 4,227 |
| Total noninterest expense | $2,157,000 | 5,969 |
| Salaries and employee benefits | $1,145,000 | 5,448 |
| Premises and equipment expense | $315,000 | 5,622 |
| Additional noninterest expense | $697,000 | 6,584 |
| Pre-tax net operating income | $1,134,000 | 5,402 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $342,000 | 5,595 |
| Income before extraordinary items | $792,000 | 5,610 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $792,000 | 5,754 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $139,000 | 3,836 |
| Cash dividends | $188,000 | 5,619 |
| Sale, conversion, retirement of capital stock, net | $16,000 | 1,105 |
| Net operating income | $792,000 | 5,372 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,050,000 | 6,339 |
| Total interest expense | $2,241,000 | 6,531 |
| Net interest income | $2,809,000 | 6,035 |
| Provision for loan and lease losses | $365,000 | 3,650 |
| Total noninterest income | $534,000 | 5,392 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $226,000 | 5,500 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $308,000 | 4,349 |
| Total noninterest expense | $1,983,000 | 6,429 |
| Salaries and employee benefits | $1,076,000 | 5,676 |
| Premises and equipment expense | $301,000 | 5,952 |
| Additional noninterest expense | $606,000 | 7,459 |
| Pre-tax net operating income | $995,000 | 5,642 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $302,000 | 5,895 |
| Income before extraordinary items | $693,000 | 5,974 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $693,000 | 6,048 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $141,000 | 5,042 |
| Cash dividends | $171,000 | 5,476 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 1,064 |
| Net operating income | $693,000 | 5,637 |
* 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.