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Gainey Business Bank, Income and Expense

2023-12-31 (YTD Data)Rank
Total interest income$1,759,0004,346
Total interest expense$446,0004,157
Net interest income$1,313,0004,379
Provision for loan and lease losses$755,000997
Total noninterest income$4,0004,518
Gross Fiduciary activities income$0981
Service charges on deposit accounts$4,0004,345
Trading account gains and feesNANA
Additional Noninterest Income$04,510
Total noninterest expense$3,707,0003,449
Salaries and employee benefits$2,571,0003,144
Premises and equipment expense$294,0003,612
Additional noninterest expense$04,510
Pre-tax net operating income$-3,145,0004,556
Securities gains (losses)$0988
Applicable income taxes$03,369
Income before extraordinary items$-3,145,0004,534
Extraordinary gains, net$054
Net income$-3,145,0004,533
Minority interest net income$088
Net income of bank and minority interests.$-3,145,0004,534
Net charge-offs$02,884
Cash dividends$03,459
Sale, conversion, retirement of capital stock, net$143,000387
Net operating income$-3,145,0004,543
2023-09-30 (YTD Data)Rank
Total interest income$1,094,0004,416
Total interest expense$241,0004,247
Net interest income$853,0004,447
Provision for loan and lease losses$575,000922
Total noninterest income$1,0004,587
Gross Fiduciary activities income$0950
Service charges on deposit accounts$1,0004,400
Trading account gains and feesNANA
Additional Noninterest Income$04,497
Total noninterest expense$2,627,0003,501
Salaries and employee benefits$1,790,0003,225
Premises and equipment expense$217,0003,636
Additional noninterest expense$04,533
Pre-tax net operating income$-2,348,0004,549
Securities gains (losses)$0849
Applicable income taxes$03,407
Income before extraordinary items$-2,348,0004,570
Extraordinary gains, net$052
Net income$-2,348,0004,569
Minority interest net income$081
Net income of bank and minority interests.$-2,348,0004,570
Net charge-offs$02,641
Cash dividends$03,078
Sale, conversion, retirement of capital stock, net$35,000440
Net operating income$-2,348,0004,575
2023-06-30 (YTD Data)Rank
Total interest income$663,0004,456
Total interest expense$154,0004,218
Net interest income$509,0004,510
Provision for loan and lease losses$285,0001,096
Total noninterest income$04,625
Gross Fiduciary activities income$0931
Service charges on deposit accounts$04,471
Trading account gains and feesNANA
Additional Noninterest Income$04,562
Total noninterest expense$1,658,0003,559
Salaries and employee benefits$1,162,0003,262
Premises and equipment expense$140,0003,672
Additional noninterest expense$04,565
Pre-tax net operating income$-1,434,0004,575
Securities gains (losses)$0938
Applicable income taxes$03,436
Income before extraordinary items$-1,434,0004,600
Extraordinary gains, net$051
Net income$-1,434,0004,598
Minority interest net income$081
Net income of bank and minority interests.$-1,434,0004,599
Net charge-offs$02,431
Cash dividends$02,952
Sale, conversion, retirement of capital stock, net$35,000410
Net operating income$-1,434,0004,601
2023-03-31 (YTD Data)Rank
Total interest income$321,0004,513
Total interest expense$62,0004,268
Net interest income$259,0004,529
Provision for loan and lease losses$70,0001,505
Total noninterest income$04,639
Gross Fiduciary activities income$0913
Service charges on deposit accounts$04,484
Trading account gains and feesNANA
Additional Noninterest Income$04,577
Total noninterest expense$813,0003,626
Salaries and employee benefits$564,0003,352
Premises and equipment expense$71,0003,709
Additional noninterest expense$04,577
Pre-tax net operating income$-624,0004,625
Securities gains (losses)$0950
Applicable income taxes$03,388
Income before extraordinary items$-624,0004,604
Extraordinary gains, net$04
Net income$-624,0004,603
Minority interest net income$048
Net income of bank and minority interests.$-624,0004,604
Net charge-offs$02,062
Cash dividends$02,337
Sale, conversion, retirement of capital stock, net$0430
Net operating income$-624,0004,614
2022-12-31 (YTD Data)Rank
Total interest income$421,0004,647
Total interest expense$48,0004,550
Net interest income$373,0004,651
Provision for loan and lease losses$70,0002,400
Total noninterest income$1,0004,673
Gross Fiduciary activities income$01,005
Service charges on deposit accounts$1,0004,524
Trading account gains and feesNANA
Additional Noninterest Income$04,616
Total noninterest expense$1,793,0004,210
Salaries and employee benefits$1,291,0003,975
Premises and equipment expense$150,0004,223
Additional noninterest expense$04,616
Pre-tax net operating income$-1,489,0004,665
Securities gains (losses)$0691
Applicable income taxes$03,596
Income before extraordinary items$-1,489,0004,646
Extraordinary gains, net$05
Net income$-1,489,0004,645
Minority interest net income$063
Net income of bank and minority interests.$-1,489,0004,646
Net charge-offs$02,620
Cash dividends$03,475
Sale, conversion, retirement of capital stock, net$16,054,00060
Net operating income$-1,489,0004,654
2022-09-30 (YTD Data)Rank
Total interest income$158,0004,702
Total interest expense$14,0004,643
Net interest income$144,0004,702
Provision for loan and lease losses$40,0002,362
Total noninterest income$1,0004,709
Gross Fiduciary activities income$0968
Service charges on deposit accounts$1,0004,559
Trading account gains and feesNANA
Additional Noninterest Income$04,654
Total noninterest expense$887,0004,478
Salaries and employee benefits$645,0004,305
Premises and equipment expense$84,0004,417
Additional noninterest expense$04,654
Pre-tax net operating income$-782,0004,703
Securities gains (losses)$0740
Applicable income taxes$03,603
Income before extraordinary items$-782,0004,672
Extraordinary gains, net$04
Net income$-782,0004,673
Minority interest net income$057
Net income of bank and minority interests.$-782,0004,673
Net charge-offs$02,349
Cash dividends$03,099
Sale, conversion, retirement of capital stock, net$16,054,00049
Net operating income$-782,0004,691
2022-06-30 (YTD Data)Rank
Total interest income$10,0004,768
Total interest expense$04,753
Net interest income$10,0004,766
Provision for loan and lease losses$02,599
Total noninterest income$04,732
Gross Fiduciary activities income$0925
Service charges on deposit accounts$04,638
Trading account gains and feesNANA
Additional Noninterest Income$04,696
Total noninterest expense$190,0004,753
Salaries and employee benefits$167,0004,689
Premises and equipment expense$18,0004,697
Additional noninterest expense$5,0004,765
Pre-tax net operating income$-180,0004,672
Securities gains (losses)$0687
Applicable income taxes$03,564
Income before extraordinary items$-180,0004,639
Extraordinary gains, net$04
Net income$-180,0004,639
Minority interest net income$060
Net income of bank and minority interests.$-180,0004,639
Net charge-offs$02,156
Cash dividends$02,961
Sale, conversion, retirement of capital stock, net$13,855,00042
Net operating income$-180,0004,669

* 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.