Home > First Bank of Georgia > Income and Expense
First Bank of Georgia, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $14,233,000 | 2,293 |
| Total interest expense | $5,739,000 | 2,607 |
| Net interest income | $8,494,000 | 2,049 |
| Provision for loan and lease losses | $315,000 | 2,494 |
| Total noninterest income | $1,760,000 | 1,956 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $555,000 | 2,365 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,205,000 | 1,551 |
| Total noninterest expense | $6,779,000 | 1,907 |
| Salaries and employee benefits | $3,478,000 | 1,883 |
| Premises and equipment expense | $695,000 | 2,758 |
| Additional noninterest expense | $2,606,000 | 1,641 |
| Pre-tax net operating income | $3,160,000 | 2,373 |
| Securities gains (losses) | $6,000 | 2,665 |
| Applicable income taxes | $1,169,000 | 2,135 |
| Income before extraordinary items | $1,997,000 | 2,597 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,997,000 | 2,596 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-32,000 | 10,378 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,993,160 | 2,550 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,245,000 | 3,917 |
| Total interest expense | $3,190,000 | 4,528 |
| Net interest income | $5,055,000 | 3,498 |
| Provision for loan and lease losses | $84,000 | 5,516 |
| Total noninterest income | $2,091,000 | 1,773 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $628,000 | 2,153 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,463,000 | 1,406 |
| Total noninterest expense | $4,362,000 | 3,102 |
| Salaries and employee benefits | $2,302,000 | 2,904 |
| Premises and equipment expense | $351,000 | 5,008 |
| Additional noninterest expense | $1,709,000 | 2,803 |
| Pre-tax net operating income | $2,700,000 | 2,589 |
| Securities gains (losses) | $30,000 | 1,690 |
| Applicable income taxes | $869,000 | 2,649 |
| Income before extraordinary items | $1,861,000 | 2,610 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,861,000 | 2,612 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 10,644 |
| Cash dividends | $582,000 | 3,120 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,840,600 | 2,600 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,211,000 | 5,049 |
| Total interest expense | $2,469,000 | 5,628 |
| Net interest income | $3,742,000 | 4,591 |
| Provision for loan and lease losses | $41,000 | 6,593 |
| Total noninterest income | $987,000 | 3,134 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $594,000 | 2,287 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $393,000 | 3,342 |
| Total noninterest expense | $3,003,000 | 4,290 |
| Salaries and employee benefits | $1,553,000 | 4,165 |
| Premises and equipment expense | $295,000 | 5,704 |
| Additional noninterest expense | $1,155,000 | 3,871 |
| Pre-tax net operating income | $1,685,000 | 4,047 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $520,000 | 4,074 |
| Income before extraordinary items | $1,165,000 | 4,058 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,165,000 | 4,056 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 10,354 |
| Cash dividends | $368,000 | 4,084 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,165,000 | 4,041 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,713,000 | 5,944 |
| Total interest expense | $1,590,000 | 6,624 |
| Net interest income | $3,123,000 | 5,441 |
| Provision for loan and lease losses | $172,000 | 3,335 |
| Total noninterest income | $593,000 | 4,700 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $418,000 | 3,254 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $175,000 | 5,718 |
| Total noninterest expense | $2,316,000 | 5,512 |
| Salaries and employee benefits | $1,167,000 | 5,379 |
| Premises and equipment expense | $220,000 | 7,054 |
| Additional noninterest expense | $929,000 | 5,034 |
| Pre-tax net operating income | $1,228,000 | 5,152 |
| Securities gains (losses) | $-44,000 | 10,934 |
| Applicable income taxes | $365,000 | 5,096 |
| Income before extraordinary items | $819,000 | 5,271 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $819,000 | 5,281 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,826 |
| Cash dividends | $288,000 | 4,616 |
| Sale, conversion, retirement of capital stock, net | $51,000 | 902 |
| Net operating income | $849,360 | 5,170 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,185,000 | 6,652 |
| Total interest expense | $1,559,000 | 7,023 |
| Net interest income | $2,626,000 | 6,305 |
| Provision for loan and lease losses | $191,000 | 4,030 |
| Total noninterest income | $486,000 | 5,714 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $409,000 | 3,373 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $77,000 | 8,764 |
| Total noninterest expense | $2,081,000 | 6,130 |
| Salaries and employee benefits | $1,066,000 | 5,807 |
| Premises and equipment expense | $191,000 | 7,864 |
| Additional noninterest expense | $824,000 | 5,779 |
| Pre-tax net operating income | $840,000 | 6,621 |
| Securities gains (losses) | $36,000 | 3,866 |
| Applicable income taxes | $292,000 | 6,176 |
| Income before extraordinary items | $584,000 | 6,906 |
| Extraordinary gains, net | $60,000 | 2,033 |
| Net income | $644,000 | 6,631 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 11,387 |
| Cash dividends | $52,000 | 7,891 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $559,880 | 6,818 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,867,000 | 7,684 |
| Total interest expense | $1,884,000 | 7,392 |
| Net interest income | $1,983,000 | 7,808 |
| Provision for loan and lease losses | $180,000 | 5,503 |
| Total noninterest income | $609,000 | 4,906 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $353,000 | 3,872 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $256,000 | 4,891 |
| Total noninterest expense | $1,840,000 | 6,823 |
| Salaries and employee benefits | $1,029,000 | 5,879 |
| Premises and equipment expense | $249,000 | 6,794 |
| Additional noninterest expense | $562,000 | 7,852 |
| Pre-tax net operating income | $572,000 | 7,910 |
| Securities gains (losses) | $56,000 | 3,937 |
| Applicable income taxes | $185,000 | 7,849 |
| Income before extraordinary items | $443,000 | 7,800 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $443,000 | 7,918 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 6,938 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $403,240 | 7,824 |
* 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.