Home > The Guernsey Bank, f.s.b. > Income and Expense
The Guernsey Bank, f.s.b., Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $10,105,000 | 3,279 |
| Total interest expense | $5,553,000 | 2,863 |
| Net interest income | $4,552,000 | 3,720 |
| Provision for loan and lease losses | $60,000 | 6,353 |
| Total noninterest income | $1,877,000 | 2,116 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,877,000 | 1,305 |
| Total noninterest expense | $4,773,000 | 2,936 |
| Salaries and employee benefits | $2,690,000 | 2,767 |
| Premises and equipment expense | $890,000 | 2,395 |
| Additional noninterest expense | $1,193,000 | 3,519 |
| Pre-tax net operating income | $1,596,000 | 3,705 |
| Securities gains (losses) | $10,000 | 3,593 |
| Applicable income taxes | $564,000 | 3,086 |
| Income before extraordinary items | $1,042,000 | 4,167 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,042,000 | 4,168 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 5,370 |
| Cash dividends | $396,000 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,035,500 | 4,074 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $10,112,000 | 3,357 |
| Total interest expense | $5,539,000 | 3,012 |
| Net interest income | $4,573,000 | 3,744 |
| Provision for loan and lease losses | $60,000 | 6,179 |
| Total noninterest income | $894,000 | 3,411 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $894,000 | 2,004 |
| Total noninterest expense | $3,710,000 | 3,533 |
| Salaries and employee benefits | $2,048,000 | 3,390 |
| Premises and equipment expense | $775,000 | 2,652 |
| Additional noninterest expense | $887,000 | 4,391 |
| Pre-tax net operating income | $1,697,000 | 3,716 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $589,000 | 3,143 |
| Income before extraordinary items | $1,108,000 | 4,084 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,108,000 | 4,085 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 4,684 |
| Cash dividends | $396,000 | 3,995 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,108,000 | 4,078 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,801,000 | 3,595 |
| Total interest expense | $4,653,000 | 3,126 |
| Net interest income | $4,148,000 | 4,044 |
| Provision for loan and lease losses | $60,000 | 6,124 |
| Total noninterest income | $850,000 | 3,474 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $850,000 | 2,077 |
| Total noninterest expense | $3,563,000 | 3,656 |
| Salaries and employee benefits | $1,906,000 | 3,588 |
| Premises and equipment expense | $698,000 | 2,865 |
| Additional noninterest expense | $959,000 | 4,155 |
| Pre-tax net operating income | $1,375,000 | 4,353 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $472,000 | 3,751 |
| Income before extraordinary items | $903,000 | 4,739 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $903,000 | 4,738 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-80,000 | 10,008 |
| Cash dividends | $396,000 | 4,003 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $903,000 | 4,694 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,751,000 | 3,623 |
| Total interest expense | $4,791,000 | 3,121 |
| Net interest income | $3,960,000 | 4,154 |
| Provision for loan and lease losses | $55,000 | 6,428 |
| Total noninterest income | $632,000 | 4,241 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $632,000 | 2,561 |
| Total noninterest expense | $3,194,000 | 3,897 |
| Salaries and employee benefits | $1,733,000 | 3,777 |
| Premises and equipment expense | $622,000 | 3,061 |
| Additional noninterest expense | $839,000 | 4,525 |
| Pre-tax net operating income | $1,343,000 | 4,518 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $492,000 | 3,878 |
| Income before extraordinary items | $851,000 | 4,996 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $851,000 | 4,996 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $130,000 | 3,185 |
| Cash dividends | $466,000 | 3,689 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $851,000 | 4,914 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,637,000 | 3,709 |
| Total interest expense | $4,714,000 | 3,147 |
| Net interest income | $3,923,000 | 4,303 |
| Provision for loan and lease losses | $60,000 | 6,153 |
| Total noninterest income | $537,000 | 4,756 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $537,000 | 2,687 |
| Total noninterest expense | $2,972,000 | 4,126 |
| Salaries and employee benefits | $1,512,000 | 4,229 |
| Premises and equipment expense | $555,000 | 3,391 |
| Additional noninterest expense | $905,000 | 4,289 |
| Pre-tax net operating income | $1,428,000 | 4,661 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $484,000 | 4,309 |
| Income before extraordinary items | $944,000 | 4,896 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $944,000 | 4,897 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 4,671 |
| Cash dividends | $346,000 | 4,270 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $944,000 | 4,835 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,242,000 | 4,427 |
| Total interest expense | $4,007,000 | 3,712 |
| Net interest income | $3,235,000 | 5,150 |
| Provision for loan and lease losses | $30,000 | 7,397 |
| Total noninterest income | $457,000 | 5,486 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $457,000 | 3,113 |
| Total noninterest expense | $3,043,000 | 4,264 |
| Salaries and employee benefits | $1,359,000 | 4,692 |
| Premises and equipment expense | $505,000 | 3,751 |
| Additional noninterest expense | $1,179,000 | 3,832 |
| Pre-tax net operating income | $619,000 | 7,320 |
| Securities gains (losses) | $28,000 | 1,737 |
| Applicable income taxes | $226,000 | 6,757 |
| Income before extraordinary items | $421,000 | 7,446 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $421,000 | 7,446 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,880 |
| Cash dividends | $50,000 | 7,494 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $402,800 | 7,538 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,915,000 | 5,260 |
| Total interest expense | $3,221,000 | 4,457 |
| Net interest income | $2,694,000 | 5,971 |
| Provision for loan and lease losses | $-155,000 | 11,786 |
| Total noninterest income | $328,000 | 6,747 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $1,000 | 505 |
| Additional Noninterest Income | $327,000 | 3,798 |
| Total noninterest expense | $2,568,000 | 4,887 |
| Salaries and employee benefits | $1,342,000 | 4,741 |
| Premises and equipment expense | $556,000 | 3,432 |
| Additional noninterest expense | $670,000 | 6,062 |
| Pre-tax net operating income | $609,000 | 7,826 |
| Securities gains (losses) | $133,000 | 830 |
| Applicable income taxes | $253,000 | 6,605 |
| Income before extraordinary items | $489,000 | 7,336 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $489,000 | 7,336 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,779 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $401,220 | 8,032 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,066,000 | 6,611 |
| Total interest expense | $2,211,000 | 5,137 |
| Net interest income | $1,855,000 | 7,902 |
| Provision for loan and lease losses | $-264,000 | 12,376 |
| Total noninterest income | $374,000 | 6,403 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $374,000 | 3,555 |
| Total noninterest expense | $2,852,000 | 4,606 |
| Salaries and employee benefits | $1,362,000 | 4,684 |
| Premises and equipment expense | $432,000 | 4,307 |
| Additional noninterest expense | $1,058,000 | 4,494 |
| Pre-tax net operating income | $-359,000 | 12,329 |
| Securities gains (losses) | $124,000 | 686 |
| Applicable income taxes | $1,000 | 11,577 |
| Income before extraordinary items | $-236,000 | 12,244 |
| Extraordinary gains, net | $393,000 | 35 |
| Net income | $157,000 | 10,735 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-42,000 | 11,786 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $-360,000 | 12,312 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,329,000 | 6,494 |
| Total interest expense | $2,298,000 | 5,166 |
| Net interest income | $2,031,000 | 7,580 |
| Provision for loan and lease losses | $-199,000 | 13,034 |
| Total noninterest income | $319,000 | 7,384 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $319,000 | 4,314 |
| Total noninterest expense | $1,987,000 | 6,369 |
| Salaries and employee benefits | $1,056,000 | 5,844 |
| Premises and equipment expense | $296,000 | 5,922 |
| Additional noninterest expense | $635,000 | 7,040 |
| Pre-tax net operating income | $562,000 | 8,212 |
| Securities gains (losses) | $170,000 | 1,861 |
| Applicable income taxes | $171,000 | 8,187 |
| Income before extraordinary items | $561,000 | 7,073 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $561,000 | 7,234 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-240,000 | 13,145 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $1,520,000 | 397 |
| Net operating income | $430,100 | 7,870 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,991,000 | 6,399 |
| Total interest expense | $3,355,000 | 4,709 |
| Net interest income | $1,636,000 | 8,856 |
| Provision for loan and lease losses | $516,000 | 2,924 |
| Total noninterest income | $206,000 | 9,295 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $206,000 | 5,582 |
| Total noninterest expense | $2,010,000 | 6,358 |
| Salaries and employee benefits | $488,000 | 9,890 |
| Premises and equipment expense | $237,000 | 7,033 |
| Additional noninterest expense | $1,285,000 | 4,081 |
| Pre-tax net operating income | $-684,000 | 13,391 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $34,000 | 11,696 |
| Income before extraordinary items | $-718,000 | 13,467 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-718,000 | 13,464 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $257,000 | 3,660 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-718,000 | 13,382 |
* 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.