Home > Gainesville State Bank > Income and Expense
Gainesville State Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $13,491,000 | 2,422 |
| Total interest expense | $5,585,000 | 2,670 |
| Net interest income | $7,906,000 | 2,217 |
| Provision for loan and lease losses | $791,000 | 1,202 |
| Total noninterest income | $2,904,000 | 1,322 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $2,044,000 | 627 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $860,000 | 1,935 |
| Total noninterest expense | $7,227,000 | 1,793 |
| Salaries and employee benefits | $3,170,000 | 2,081 |
| Premises and equipment expense | $1,260,000 | 1,543 |
| Additional noninterest expense | $2,797,000 | 1,532 |
| Pre-tax net operating income | $2,792,000 | 2,652 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $816,000 | 2,885 |
| Income before extraordinary items | $1,976,000 | 2,615 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,976,000 | 2,614 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 4,171 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,976,000 | 2,567 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $11,894,000 | 2,770 |
| Total interest expense | $4,412,000 | 3,380 |
| Net interest income | $7,482,000 | 2,401 |
| Provision for loan and lease losses | $35,000 | 7,226 |
| Total noninterest income | $2,328,000 | 1,629 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $1,593,000 | 833 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $735,000 | 2,220 |
| Total noninterest expense | $6,258,000 | 2,193 |
| Salaries and employee benefits | $2,964,000 | 2,250 |
| Premises and equipment expense | $1,037,000 | 1,935 |
| Additional noninterest expense | $2,257,000 | 2,207 |
| Pre-tax net operating income | $3,517,000 | 2,047 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $993,000 | 2,365 |
| Income before extraordinary items | $2,524,000 | 1,962 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,524,000 | 1,963 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $143,000 | 3,258 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,524,000 | 1,921 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $10,485,000 | 3,165 |
| Total interest expense | $3,561,000 | 4,093 |
| Net interest income | $6,924,000 | 2,587 |
| Provision for loan and lease losses | $9,000 | 8,431 |
| Total noninterest income | $2,149,000 | 1,732 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $1,449,000 | 918 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $700,000 | 2,298 |
| Total noninterest expense | $5,939,000 | 2,296 |
| Salaries and employee benefits | $2,752,000 | 2,418 |
| Premises and equipment expense | $867,000 | 2,311 |
| Additional noninterest expense | $2,320,000 | 2,129 |
| Pre-tax net operating income | $3,125,000 | 2,353 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $953,000 | 2,492 |
| Income before extraordinary items | $2,172,000 | 2,329 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,172,000 | 2,327 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,680 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,172,000 | 2,300 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,976,000 | 3,741 |
| Total interest expense | $2,415,000 | 4,793 |
| Net interest income | $5,561,000 | 3,222 |
| Provision for loan and lease losses | $55,000 | 5,922 |
| Total noninterest income | $2,064,000 | 1,806 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,353,000 | 977 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $711,000 | 2,306 |
| Total noninterest expense | $5,362,000 | 2,601 |
| Salaries and employee benefits | $2,401,000 | 2,764 |
| Premises and equipment expense | $809,000 | 2,505 |
| Additional noninterest expense | $2,152,000 | 2,430 |
| Pre-tax net operating income | $2,208,000 | 3,170 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $582,000 | 3,603 |
| Income before extraordinary items | $1,626,000 | 2,961 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,626,000 | 2,967 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $165,000 | 2,825 |
| Cash dividends | $100,000 | 6,840 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,626,000 | 2,984 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,346,000 | 4,123 |
| Total interest expense | $2,263,000 | 5,248 |
| Net interest income | $5,083,000 | 3,515 |
| Provision for loan and lease losses | $376,000 | 2,558 |
| Total noninterest income | $1,777,000 | 2,140 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $1,123,000 | 1,195 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $654,000 | 2,716 |
| Total noninterest expense | $4,842,000 | 2,937 |
| Salaries and employee benefits | $2,293,000 | 2,888 |
| Premises and equipment expense | $754,000 | 2,693 |
| Additional noninterest expense | $1,795,000 | 2,996 |
| Pre-tax net operating income | $1,642,000 | 3,985 |
| Securities gains (losses) | $-31,000 | 13,009 |
| Applicable income taxes | $391,000 | 5,093 |
| Income before extraordinary items | $1,220,000 | 3,952 |
| Extraordinary gains, net | $110,000 | 1,482 |
| Net income | $1,330,000 | 3,741 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $201,000 | 3,131 |
| Cash dividends | $1,425,000 | 1,334 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,243,560 | 3,667 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,839,000 | 6,546 |
| Total interest expense | $1,688,000 | 7,923 |
| Net interest income | $3,151,000 | 5,493 |
| Provision for loan and lease losses | $142,000 | 6,265 |
| Total noninterest income | $968,000 | 3,408 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $782,000 | 1,721 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $186,000 | 5,920 |
| Total noninterest expense | $3,060,000 | 4,441 |
| Salaries and employee benefits | $1,327,000 | 4,731 |
| Premises and equipment expense | $469,000 | 4,204 |
| Additional noninterest expense | $1,264,000 | 4,141 |
| Pre-tax net operating income | $917,000 | 6,005 |
| Securities gains (losses) | $-11,000 | 13,323 |
| Applicable income taxes | $264,000 | 6,447 |
| Income before extraordinary items | $642,000 | 6,280 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $642,000 | 6,350 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 6,726 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $649,810 | 5,879 |
* 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.