Home > The Garrard Bank & Trust Company > Income and Expense
The Garrard Bank & Trust Company, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,590,000 | 7,287 |
| Total interest expense | $1,604,000 | 7,319 |
| Net interest income | $1,986,000 | 7,178 |
| Provision for loan and lease losses | $35,000 | 7,226 |
| Total noninterest income | $260,000 | 7,460 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $203,000 | 5,503 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $57,000 | 8,577 |
| Total noninterest expense | $1,201,000 | 7,983 |
| Salaries and employee benefits | $544,000 | 8,540 |
| Premises and equipment expense | $133,000 | 8,447 |
| Additional noninterest expense | $524,000 | 6,883 |
| Pre-tax net operating income | $1,010,000 | 5,706 |
| Securities gains (losses) | $22,000 | 1,932 |
| Applicable income taxes | $302,000 | 5,805 |
| Income before extraordinary items | $730,000 | 5,627 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $730,000 | 5,627 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,286 |
| Cash dividends | $725,000 | 2,678 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $714,380 | 5,643 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,445,000 | 7,618 |
| Total interest expense | $1,511,000 | 7,673 |
| Net interest income | $1,934,000 | 7,452 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $261,000 | 7,565 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $206,000 | 5,584 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $55,000 | 8,981 |
| Total noninterest expense | $1,157,000 | 8,362 |
| Salaries and employee benefits | $532,000 | 8,835 |
| Premises and equipment expense | $127,000 | 8,867 |
| Additional noninterest expense | $498,000 | 7,264 |
| Pre-tax net operating income | $1,038,000 | 5,842 |
| Securities gains (losses) | $-11,000 | 10,162 |
| Applicable income taxes | $298,000 | 6,021 |
| Income before extraordinary items | $729,000 | 5,819 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $729,000 | 5,816 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 10,995 |
| Cash dividends | $525,000 | 3,209 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $736,810 | 5,759 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,067,000 | 7,939 |
| Total interest expense | $1,212,000 | 7,852 |
| Net interest income | $1,855,000 | 7,902 |
| Provision for loan and lease losses | $6,000 | 8,739 |
| Total noninterest income | $264,000 | 7,750 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $206,000 | 5,747 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $58,000 | 9,194 |
| Total noninterest expense | $1,191,000 | 8,639 |
| Salaries and employee benefits | $577,000 | 8,778 |
| Premises and equipment expense | $132,000 | 9,037 |
| Additional noninterest expense | $482,000 | 8,033 |
| Pre-tax net operating income | $922,000 | 6,288 |
| Securities gains (losses) | $5,000 | 2,624 |
| Applicable income taxes | $264,000 | 6,339 |
| Income before extraordinary items | $663,000 | 6,135 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $663,000 | 6,155 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 10,805 |
| Cash dividends | $625,000 | 2,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $659,400 | 6,225 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,994,000 | 8,343 |
| Total interest expense | $1,123,000 | 8,589 |
| Net interest income | $1,871,000 | 8,037 |
| Provision for loan and lease losses | $12,000 | 9,545 |
| Total noninterest income | $249,000 | 8,375 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $189,000 | 6,185 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $60,000 | 9,542 |
| Total noninterest expense | $1,094,000 | 9,343 |
| Salaries and employee benefits | $470,000 | 9,956 |
| Premises and equipment expense | $171,000 | 8,352 |
| Additional noninterest expense | $453,000 | 8,692 |
| Pre-tax net operating income | $1,014,000 | 5,838 |
| Securities gains (losses) | $144,000 | 2,022 |
| Applicable income taxes | $327,000 | 5,764 |
| Income before extraordinary items | $831,000 | 5,403 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $831,000 | 5,546 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 6,983 |
| Cash dividends | $975,000 | 1,820 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $727,320 | 5,681 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,332,000 | 8,423 |
| Total interest expense | $1,530,000 | 8,426 |
| Net interest income | $1,802,000 | 8,340 |
| Provision for loan and lease losses | $96,000 | 7,391 |
| Total noninterest income | $297,000 | 7,769 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $199,000 | 6,008 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $98,000 | 8,137 |
| Total noninterest expense | $1,145,000 | 9,303 |
| Salaries and employee benefits | $585,000 | 8,950 |
| Premises and equipment expense | $107,000 | 10,495 |
| Additional noninterest expense | $453,000 | 8,943 |
| Pre-tax net operating income | $858,000 | 6,296 |
| Securities gains (losses) | $63,000 | 3,745 |
| Applicable income taxes | $231,000 | 6,980 |
| Income before extraordinary items | $690,000 | 5,985 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $690,000 | 6,060 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 7,125 |
| Cash dividends | $500,000 | 2,760 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $642,750 | 5,934 |
* 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.