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Dalton/Whitfield Bank & Trust, Income and Expense

1996-12-31 (YTD Data)Rank
Total interest income$10,514,0003,124
Total interest expense$4,875,0003,072
Net interest income$5,639,0003,135
Provision for loan and lease losses$492,0001,757
Total noninterest income$1,004,0003,111
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$871,0001,533
Trading account gains and fees$0262
Additional Noninterest Income$133,0006,311
Total noninterest expense$3,938,0003,395
Salaries and employee benefits$2,222,0003,001
Premises and equipment expense$737,0002,651
Additional noninterest expense$979,0004,482
Pre-tax net operating income$2,213,0003,145
Securities gains (losses)$04,148
Applicable income taxes$744,0003,036
Income before extraordinary items$1,469,0003,254
Extraordinary gains, net$053
Net income$1,469,0003,253
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$200,0002,671
Cash dividends$150,0005,964
Sale, conversion, retirement of capital stock, net$0953
Net operating income$1,469,0003,217
1995-12-31 (YTD Data)Rank
Total interest income$9,865,0003,318
Total interest expense$4,390,0003,383
Net interest income$5,475,0003,245
Provision for loan and lease losses$781,0001,139
Total noninterest income$1,005,0003,092
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$896,0001,524
Trading account gains and fees$0522
Additional Noninterest Income$109,0006,966
Total noninterest expense$3,574,0003,668
Salaries and employee benefits$1,978,0003,343
Premises and equipment expense$577,0003,312
Additional noninterest expense$1,019,0004,285
Pre-tax net operating income$2,125,0003,304
Securities gains (losses)$-39,00011,026
Applicable income taxes$681,0003,314
Income before extraordinary items$1,405,0003,444
Extraordinary gains, net$065
Net income$1,405,0003,442
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$318,0001,873
Cash dividends$70,0007,384
Sale, conversion, retirement of capital stock, net$0809
Net operating income$1,431,1303,360
1994-12-31 (YTD Data)Rank
Total interest income$7,211,0004,114
Total interest expense$2,957,0004,010
Net interest income$4,254,0004,140
Provision for loan and lease losses$234,0002,763
Total noninterest income$819,0003,650
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$743,0001,819
Trading account gains and feesNANA
Additional Noninterest Income$76,0008,407
Total noninterest expense$3,050,0004,345
Salaries and employee benefits$1,569,0004,119
Premises and equipment expense$479,0003,941
Additional noninterest expense$1,002,0004,705
Pre-tax net operating income$1,789,0003,766
Securities gains (losses)$-164,00011,843
Applicable income taxes$482,0004,171
Income before extraordinary items$1,143,0004,043
Extraordinary gains, net$0249
Net income$1,143,0004,046
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$64,0004,622
Cash dividends$80,0007,289
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,257,8003,731
1993-12-31 (YTD Data)Rank
Total interest income$5,800,0005,108
Total interest expense$2,639,0004,594
Net interest income$3,161,0005,423
Provision for loan and lease losses$238,0003,555
Total noninterest income$695,0004,464
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$615,0002,238
Trading account gains and feesNANA
Additional Noninterest Income$80,0008,622
Total noninterest expense$2,338,0005,581
Salaries and employee benefits$1,169,0005,350
Premises and equipment expense$352,0005,209
Additional noninterest expense$817,0005,827
Pre-tax net operating income$1,280,0004,926
Securities gains (losses)$07,477
Applicable income taxes$420,0004,830
Income before extraordinary items$860,0005,259
Extraordinary gains, net$67,0001,943
Net income$927,0005,129
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$33,0006,866
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$860,0005,049
1992-12-31 (YTD Data)Rank
Total interest income$4,666,0006,713
Total interest expense$2,530,0005,935
Net interest income$2,136,0007,404
Provision for loan and lease losses$199,0005,248
Total noninterest income$557,0005,246
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$495,0002,811
Trading account gains and feesNANA
Additional Noninterest Income$62,0009,701
Total noninterest expense$1,746,0007,130
Salaries and employee benefits$842,0006,984
Premises and equipment expense$322,0005,692
Additional noninterest expense$582,0007,671
Pre-tax net operating income$748,0006,837
Securities gains (losses)$08,369
Applicable income taxes$174,0008,098
Income before extraordinary items$574,0006,747
Extraordinary gains, net$156,000546
Net income$730,0005,815
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$95,0006,045
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$574,0006,407

* 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.