Home > Gulf Shores Bank > Income and Expense
Gulf Shores Bank, Income and Expense
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $942,000 | 12,410 |
| Total interest expense | $365,000 | 12,381 |
| Net interest income | $577,000 | 12,303 |
| Provision for loan and lease losses | $21,000 | 8,998 |
| Total noninterest income | $139,000 | 10,431 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $100,000 | 8,366 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $39,000 | 10,733 |
| Total noninterest expense | $373,000 | 12,747 |
| Salaries and employee benefits | $118,000 | 13,124 |
| Premises and equipment expense | $51,000 | 12,175 |
| Additional noninterest expense | $204,000 | 11,673 |
| Pre-tax net operating income | $322,000 | 10,051 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $111,000 | 9,488 |
| Income before extraordinary items | $211,000 | 10,515 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $211,000 | 10,620 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 8,297 |
| Cash dividends | $150,000 | 6,064 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $211,000 | 10,283 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,127,000 | 12,772 |
| Total interest expense | $530,000 | 12,624 |
| Net interest income | $597,000 | 12,714 |
| Provision for loan and lease losses | $36,000 | 9,661 |
| Total noninterest income | $121,000 | 11,154 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $46,000 | 10,479 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $75,000 | 9,058 |
| Total noninterest expense | $375,000 | 13,284 |
| Salaries and employee benefits | $116,000 | 13,731 |
| Premises and equipment expense | $50,000 | 12,683 |
| Additional noninterest expense | $209,000 | 12,115 |
| Pre-tax net operating income | $307,000 | 10,072 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $103,000 | 9,836 |
| Income before extraordinary items | $204,000 | 10,534 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $204,000 | 10,671 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 9,510 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $204,000 | 10,197 |
* 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.