Home > Central and Southern Bank of North Georgia > Income and Expense
Central and Southern Bank of North Georgia, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,741,000 | 4,639 |
| Total interest expense | $3,481,000 | 4,159 |
| Net interest income | $3,260,000 | 4,988 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $1,095,000 | 2,834 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,095,000 | 1,652 |
| Total noninterest expense | $2,734,000 | 4,433 |
| Salaries and employee benefits | $1,629,000 | 3,962 |
| Premises and equipment expense | $521,000 | 3,577 |
| Additional noninterest expense | $584,000 | 5,909 |
| Pre-tax net operating income | $1,621,000 | 4,193 |
| Securities gains (losses) | $-1,000 | 9,009 |
| Applicable income taxes | $511,000 | 4,152 |
| Income before extraordinary items | $1,109,000 | 4,335 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,109,000 | 4,336 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-34,000 | 10,401 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,109,680 | 4,264 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,977,000 | 5,953 |
| Total interest expense | $2,485,000 | 5,542 |
| Net interest income | $2,492,000 | 6,208 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $696,000 | 4,132 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $40,000 | 9,108 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $656,000 | 2,413 |
| Total noninterest expense | $2,142,000 | 5,645 |
| Salaries and employee benefits | $1,384,000 | 4,624 |
| Premises and equipment expense | $328,000 | 5,249 |
| Additional noninterest expense | $430,000 | 7,627 |
| Pre-tax net operating income | $1,046,000 | 5,576 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $297,000 | 5,863 |
| Income before extraordinary items | $749,000 | 5,531 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $749,000 | 5,533 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-21,000 | 10,715 |
| Cash dividends | $448,000 | 3,676 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $749,000 | 5,476 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,151,000 | 6,839 |
| Total interest expense | $1,972,000 | 6,530 |
| Net interest income | $2,179,000 | 6,914 |
| Provision for loan and lease losses | $-150,000 | 11,777 |
| Total noninterest income | $303,000 | 7,047 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $192,000 | 5,831 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $111,000 | 6,893 |
| Total noninterest expense | $1,461,000 | 7,399 |
| Salaries and employee benefits | $887,000 | 6,619 |
| Premises and equipment expense | $111,000 | 9,279 |
| Additional noninterest expense | $463,000 | 7,577 |
| Pre-tax net operating income | $1,171,000 | 5,341 |
| Securities gains (losses) | $-116,000 | 11,553 |
| Applicable income taxes | $199,000 | 7,429 |
| Income before extraordinary items | $856,000 | 5,190 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $856,000 | 5,187 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-133,000 | 11,788 |
| Cash dividends | $260,000 | 4,875 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $949,960 | 4,784 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,507,000 | 7,311 |
| Total interest expense | $1,727,000 | 6,270 |
| Net interest income | $1,780,000 | 8,093 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $283,000 | 7,488 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $196,000 | 5,940 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $87,000 | 7,945 |
| Total noninterest expense | $1,400,000 | 7,914 |
| Salaries and employee benefits | $631,000 | 8,395 |
| Premises and equipment expense | $129,000 | 9,118 |
| Additional noninterest expense | $640,000 | 6,737 |
| Pre-tax net operating income | $663,000 | 7,630 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $133,000 | 8,646 |
| Income before extraordinary items | $530,000 | 7,074 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $530,000 | 7,085 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-56,000 | 11,945 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $530,000 | 7,120 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,091,000 | 6,766 |
| Total interest expense | $2,162,000 | 5,463 |
| Net interest income | $1,929,000 | 7,896 |
| Provision for loan and lease losses | $775,000 | 1,558 |
| Total noninterest income | $254,000 | 8,305 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $195,000 | 6,059 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $59,000 | 9,584 |
| Total noninterest expense | $1,665,000 | 7,306 |
| Salaries and employee benefits | $603,000 | 8,782 |
| Premises and equipment expense | $146,000 | 9,019 |
| Additional noninterest expense | $916,000 | 5,289 |
| Pre-tax net operating income | $-257,000 | 12,735 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $6,000 | 11,928 |
| Income before extraordinary items | $-263,000 | 12,803 |
| Extraordinary gains, net | $-82,000 | 12,872 |
| Net income | $-345,000 | 12,845 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $813,000 | 1,311 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-263,000 | 12,726 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,318,000 | 6,065 |
| Total interest expense | $2,992,000 | 5,177 |
| Net interest income | $2,326,000 | 6,951 |
| Provision for loan and lease losses | $1,420,000 | 1,459 |
| Total noninterest income | $253,000 | 8,443 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $205,000 | 5,892 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $48,000 | 10,527 |
| Total noninterest expense | $1,593,000 | 7,605 |
| Salaries and employee benefits | $550,000 | 9,275 |
| Premises and equipment expense | $180,000 | 8,311 |
| Additional noninterest expense | $863,000 | 5,713 |
| Pre-tax net operating income | $-434,000 | 13,252 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $-161,000 | 13,628 |
| Income before extraordinary items | $-273,000 | 13,233 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-273,000 | 13,227 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $785,000 | 1,838 |
| Cash dividends | $45,000 | 7,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-273,000 | 13,120 |
* 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.