Home > Guardian Bank > Income and Expense
Guardian Bank, Income and Expense
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $24,980,000 | 1,252 |
| Total interest expense | $5,807,000 | 2,155 |
| Net interest income | $19,173,000 | 965 |
| Provision for loan and lease losses | $21,450,000 | 102 |
| Total noninterest income | $1,723,000 | 2,066 |
| Gross Fiduciary activities income | $660,000 | 645 |
| Service charges on deposit accounts | $256,000 | 4,953 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $807,000 | 2,123 |
| Total noninterest expense | $26,458,000 | 647 |
| Salaries and employee benefits | $8,139,000 | 839 |
| Premises and equipment expense | $1,631,000 | 1,281 |
| Additional noninterest expense | $16,688,000 | 490 |
| Pre-tax net operating income | $-27,012,000 | 12,629 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $-1,700,000 | 12,545 |
| Income before extraordinary items | $-25,312,000 | 12,587 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-25,312,000 | 12,586 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,788,000 | 100 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $16,500,000 | 75 |
| Net operating income | $-25,312,000 | 12,589 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $32,765,000 | 982 |
| Total interest expense | $7,417,000 | 1,772 |
| Net interest income | $25,348,000 | 762 |
| Provision for loan and lease losses | $18,250,000 | 171 |
| Total noninterest income | $1,383,000 | 2,602 |
| Gross Fiduciary activities income | $605,000 | 699 |
| Service charges on deposit accounts | $315,000 | 4,240 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $463,000 | 3,418 |
| Total noninterest expense | $27,411,000 | 660 |
| Salaries and employee benefits | $8,667,000 | 799 |
| Premises and equipment expense | $2,123,000 | 1,029 |
| Additional noninterest expense | $16,621,000 | 537 |
| Pre-tax net operating income | $-18,930,000 | 13,266 |
| Securities gains (losses) | $4,000 | 6,316 |
| Applicable income taxes | $-4,553,000 | 13,249 |
| Income before extraordinary items | $-14,373,000 | 13,231 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-14,373,000 | 13,230 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,516,000 | 213 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $3,600,000 | 247 |
| Net operating income | $-14,376,040 | 13,226 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $41,332,000 | 919 |
| Total interest expense | $9,032,000 | 1,875 |
| Net interest income | $32,300,000 | 633 |
| Provision for loan and lease losses | $9,395,000 | 385 |
| Total noninterest income | $948,000 | 3,458 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $271,000 | 4,810 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $677,000 | 2,599 |
| Total noninterest expense | $26,365,000 | 683 |
| Salaries and employee benefits | $7,355,000 | 925 |
| Premises and equipment expense | $2,827,000 | 838 |
| Additional noninterest expense | $16,183,000 | 546 |
| Pre-tax net operating income | $-2,512,000 | 13,688 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $-636,000 | 13,781 |
| Income before extraordinary items | $-1,876,000 | 13,657 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-1,876,000 | 13,656 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,064,000 | 526 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-1,876,000 | 13,607 |
* 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.