Home > Bank of Georgia > Income and Expense
Bank of Georgia, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,234,000 | 6,441 |
| Total interest expense | $2,015,000 | 6,237 |
| Net interest income | $2,219,000 | 6,497 |
| Provision for loan and lease losses | $5,000 | 8,640 |
| Total noninterest income | $422,000 | 5,550 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $186,000 | 5,559 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $236,000 | 4,529 |
| Total noninterest expense | $1,396,000 | 7,045 |
| Salaries and employee benefits | $709,000 | 7,271 |
| Premises and equipment expense | $131,000 | 8,214 |
| Additional noninterest expense | $556,000 | 6,081 |
| Pre-tax net operating income | $1,240,000 | 5,130 |
| Securities gains (losses) | $-6,000 | 9,765 |
| Applicable income taxes | $433,000 | 4,643 |
| Income before extraordinary items | $801,000 | 5,458 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $801,000 | 5,461 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 9,540 |
| Cash dividends | $265,000 | 4,832 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $804,900 | 5,384 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,025,000 | 6,849 |
| Total interest expense | $1,911,000 | 6,600 |
| Net interest income | $2,114,000 | 6,924 |
| Provision for loan and lease losses | $20,000 | 7,945 |
| Total noninterest income | $450,000 | 5,540 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $232,000 | 5,086 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $218,000 | 4,938 |
| Total noninterest expense | $1,204,000 | 7,972 |
| Salaries and employee benefits | $706,000 | 7,499 |
| Premises and equipment expense | $109,000 | 9,055 |
| Additional noninterest expense | $389,000 | 7,971 |
| Pre-tax net operating income | $1,340,000 | 4,737 |
| Securities gains (losses) | $-11,000 | 10,330 |
| Applicable income taxes | $487,000 | 4,225 |
| Income before extraordinary items | $842,000 | 5,106 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $842,000 | 5,106 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-25,000 | 10,776 |
| Cash dividends | $119,000 | 6,432 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $849,040 | 5,027 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,525,000 | 7,527 |
| Total interest expense | $1,632,000 | 7,323 |
| Net interest income | $1,893,000 | 7,550 |
| Provision for loan and lease losses | $50,000 | 6,165 |
| Total noninterest income | $406,000 | 5,937 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $204,000 | 5,615 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $202,000 | 5,115 |
| Total noninterest expense | $1,127,000 | 8,475 |
| Salaries and employee benefits | $598,000 | 8,364 |
| Premises and equipment expense | $103,000 | 9,537 |
| Additional noninterest expense | $426,000 | 7,943 |
| Pre-tax net operating income | $1,122,000 | 5,513 |
| Securities gains (losses) | $-3,000 | 9,402 |
| Applicable income taxes | $425,000 | 4,737 |
| Income before extraordinary items | $694,000 | 6,037 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $694,000 | 6,035 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 7,576 |
| Cash dividends | $99,000 | 6,889 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $695,920 | 6,002 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,889,000 | 8,250 |
| Total interest expense | $1,184,000 | 7,975 |
| Net interest income | $1,705,000 | 8,289 |
| Provision for loan and lease losses | $45,000 | 6,361 |
| Total noninterest income | $341,000 | 6,765 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $172,000 | 6,404 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $169,000 | 5,830 |
| Total noninterest expense | $1,084,000 | 9,035 |
| Salaries and employee benefits | $547,000 | 8,987 |
| Premises and equipment expense | $97,000 | 10,121 |
| Additional noninterest expense | $440,000 | 8,419 |
| Pre-tax net operating income | $917,000 | 6,313 |
| Securities gains (losses) | $-7,000 | 9,611 |
| Applicable income taxes | $346,000 | 5,323 |
| Income before extraordinary items | $564,000 | 6,808 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $564,000 | 6,823 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 6,413 |
| Cash dividends | $79,000 | 7,364 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $568,480 | 6,828 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,436,000 | 9,316 |
| Total interest expense | $981,000 | 9,200 |
| Net interest income | $1,455,000 | 9,254 |
| Provision for loan and lease losses | $20,000 | 9,046 |
| Total noninterest income | $297,000 | 7,722 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $157,000 | 6,922 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $140,000 | 6,785 |
| Total noninterest expense | $978,000 | 9,828 |
| Salaries and employee benefits | $529,000 | 9,389 |
| Premises and equipment expense | $87,000 | 10,896 |
| Additional noninterest expense | $362,000 | 9,699 |
| Pre-tax net operating income | $754,000 | 7,073 |
| Securities gains (losses) | $26,000 | 4,293 |
| Applicable income taxes | $293,000 | 6,165 |
| Income before extraordinary items | $487,000 | 7,664 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $487,000 | 7,849 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 12,096 |
| Cash dividends | $66,000 | 7,589 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $470,360 | 7,534 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,536,000 | 9,847 |
| Total interest expense | $1,189,000 | 9,642 |
| Net interest income | $1,347,000 | 9,814 |
| Provision for loan and lease losses | $65,000 | 8,399 |
| Total noninterest income | $262,000 | 8,303 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $113,000 | 8,135 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $149,000 | 6,659 |
| Total noninterest expense | $892,000 | 10,533 |
| Salaries and employee benefits | $485,000 | 9,921 |
| Premises and equipment expense | $78,000 | 11,557 |
| Additional noninterest expense | $329,000 | 10,445 |
| Pre-tax net operating income | $652,000 | 7,381 |
| Securities gains (losses) | $70,000 | 3,586 |
| Applicable income taxes | $262,000 | 6,479 |
| Income before extraordinary items | $460,000 | 7,652 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $460,000 | 7,762 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 7,683 |
| Cash dividends | $53,000 | 7,609 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $415,200 | 7,712 |
* 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.