Home > American Community Bank of Georgia > Income and Expense
American Community Bank of Georgia, Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,190,000 | 6,207 |
| Total interest expense | $2,283,000 | 5,694 |
| Net interest income | $1,907,000 | 6,585 |
| Provision for loan and lease losses | $58,000 | 6,522 |
| Total noninterest income | $405,000 | 5,648 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $117,000 | 6,290 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $288,000 | 4,205 |
| Total noninterest expense | $1,971,000 | 5,789 |
| Salaries and employee benefits | $825,000 | 6,675 |
| Premises and equipment expense | $513,000 | 3,787 |
| Additional noninterest expense | $633,000 | 5,644 |
| Pre-tax net operating income | $283,000 | 7,495 |
| Securities gains (losses) | $-8,000 | 9,262 |
| Applicable income taxes | $92,000 | 6,101 |
| Income before extraordinary items | $183,000 | 7,841 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $183,000 | 7,843 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 8,788 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $188,360 | 7,699 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,873,000 | 6,588 |
| Total interest expense | $1,995,000 | 6,283 |
| Net interest income | $1,878,000 | 6,765 |
| Provision for loan and lease losses | $67,000 | 6,062 |
| Total noninterest income | $256,000 | 6,710 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $105,000 | 6,469 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $151,000 | 5,452 |
| Total noninterest expense | $1,789,000 | 6,076 |
| Salaries and employee benefits | $719,000 | 7,104 |
| Premises and equipment expense | $533,000 | 3,602 |
| Additional noninterest expense | $537,000 | 6,149 |
| Pre-tax net operating income | $278,000 | 7,996 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $95,000 | 6,574 |
| Income before extraordinary items | $183,000 | 8,179 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $183,000 | 8,177 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,352 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $183,000 | 8,182 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,766,000 | 7,634 |
| Total interest expense | $1,226,000 | 7,583 |
| Net interest income | $1,540,000 | 7,510 |
| Provision for loan and lease losses | $273,000 | 2,885 |
| Total noninterest income | $114,000 | 8,611 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $69,000 | 7,378 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $45,000 | 8,226 |
| Total noninterest expense | $2,230,000 | 5,284 |
| Salaries and employee benefits | $920,000 | 6,220 |
| Premises and equipment expense | $527,000 | 3,609 |
| Additional noninterest expense | $783,000 | 4,872 |
| Pre-tax net operating income | $-849,000 | 10,016 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-289,000 | 10,085 |
| Income before extraordinary items | $-560,000 | 9,939 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-560,000 | 9,937 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-560,000 | 9,917 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $903,000 | 9,941 |
| Total interest expense | $289,000 | 10,080 |
| Net interest income | $614,000 | 9,697 |
| Provision for loan and lease losses | $95,000 | 5,236 |
| Total noninterest income | $23,000 | 10,183 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $16,000 | 8,778 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $7,000 | 10,104 |
| Total noninterest expense | $1,873,000 | 5,835 |
| Salaries and employee benefits | $938,000 | 6,034 |
| Premises and equipment expense | $220,000 | 6,425 |
| Additional noninterest expense | $715,000 | 5,084 |
| Pre-tax net operating income | $-1,331,000 | 10,384 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $-457,000 | 10,391 |
| Income before extraordinary items | $-874,000 | 10,347 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-874,000 | 10,345 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $7,373,000 | 158 |
| Net operating income | $-874,000 | 10,325 |
* 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.