Home > First Community Bank of Southwest Georgia > Income and Expense
First Community Bank of Southwest Georgia, Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $11,968,000 | 2,837 |
| Total interest expense | $6,153,000 | 2,596 |
| Net interest income | $5,815,000 | 3,021 |
| Provision for loan and lease losses | $1,584,000 | 864 |
| Total noninterest income | $4,014,000 | 1,175 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,502,000 | 988 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $2,512,000 | 1,068 |
| Total noninterest expense | $4,476,000 | 3,104 |
| Salaries and employee benefits | $1,992,000 | 3,606 |
| Premises and equipment expense | $644,000 | 3,172 |
| Additional noninterest expense | $1,840,000 | 2,424 |
| Pre-tax net operating income | $3,769,000 | 1,864 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $1,127,000 | 1,913 |
| Income before extraordinary items | $2,642,000 | 1,982 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,642,000 | 1,985 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,544,000 | 483 |
| Cash dividends | $678,000 | 2,929 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,642,000 | 1,907 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $13,327,000 | 2,611 |
| Total interest expense | $6,131,000 | 2,726 |
| Net interest income | $7,196,000 | 2,468 |
| Provision for loan and lease losses | $2,210,000 | 566 |
| Total noninterest income | $1,827,000 | 2,012 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,149,000 | 1,177 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $678,000 | 2,419 |
| Total noninterest expense | $4,986,000 | 2,724 |
| Salaries and employee benefits | $2,346,000 | 3,005 |
| Premises and equipment expense | $613,000 | 3,205 |
| Additional noninterest expense | $2,027,000 | 2,122 |
| Pre-tax net operating income | $1,827,000 | 3,534 |
| Securities gains (losses) | $-5,000 | 7,961 |
| Applicable income taxes | $525,000 | 3,381 |
| Income before extraordinary items | $1,297,000 | 3,644 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,297,000 | 3,644 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $799,000 | 881 |
| Cash dividends | $1,604,000 | 1,575 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,300,550 | 3,625 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $12,671,000 | 2,580 |
| Total interest expense | $5,670,000 | 2,599 |
| Net interest income | $7,001,000 | 2,511 |
| Provision for loan and lease losses | $555,000 | 1,616 |
| Total noninterest income | $2,668,000 | 1,495 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $973,000 | 1,345 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,695,000 | 1,296 |
| Total noninterest expense | $4,954,000 | 2,725 |
| Salaries and employee benefits | $2,366,000 | 2,959 |
| Premises and equipment expense | $654,000 | 3,046 |
| Additional noninterest expense | $1,934,000 | 2,264 |
| Pre-tax net operating income | $4,160,000 | 1,780 |
| Securities gains (losses) | $1,000 | 2,805 |
| Applicable income taxes | $1,012,000 | 2,200 |
| Income before extraordinary items | $3,149,000 | 1,699 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,149,000 | 1,700 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $693,000 | 938 |
| Cash dividends | $3,914,000 | 795 |
| Sale, conversion, retirement of capital stock, net | $63,000 | 833 |
| Net operating income | $3,148,240 | 1,668 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $13,588,000 | 2,393 |
| Total interest expense | $6,353,000 | 2,369 |
| Net interest income | $7,235,000 | 2,356 |
| Provision for loan and lease losses | $430,000 | 1,945 |
| Total noninterest income | $2,130,000 | 1,736 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $916,000 | 1,375 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,214,000 | 1,615 |
| Total noninterest expense | $4,589,000 | 2,822 |
| Salaries and employee benefits | $2,211,000 | 3,031 |
| Premises and equipment expense | $642,000 | 2,985 |
| Additional noninterest expense | $1,736,000 | 2,396 |
| Pre-tax net operating income | $4,346,000 | 1,694 |
| Securities gains (losses) | $39,000 | 1,926 |
| Applicable income taxes | $1,525,000 | 1,595 |
| Income before extraordinary items | $2,860,000 | 1,838 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,860,000 | 1,838 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $317,000 | 1,785 |
| Cash dividends | $5,449,000 | 605 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,834,650 | 1,780 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,360,000 | 4,845 |
| Total interest expense | $3,237,000 | 4,413 |
| Net interest income | $3,123,000 | 5,137 |
| Provision for loan and lease losses | $133,000 | 4,398 |
| Total noninterest income | $1,208,000 | 2,620 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $427,000 | 3,056 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $781,000 | 2,063 |
| Total noninterest expense | $2,329,000 | 5,051 |
| Salaries and employee benefits | $1,088,000 | 5,525 |
| Premises and equipment expense | $224,000 | 6,433 |
| Additional noninterest expense | $1,017,000 | 3,842 |
| Pre-tax net operating income | $1,869,000 | 3,744 |
| Securities gains (losses) | $7,000 | 2,566 |
| Applicable income taxes | $642,000 | 3,485 |
| Income before extraordinary items | $1,234,000 | 3,959 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,234,000 | 3,958 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 4,485 |
| Cash dividends | $1,391,000 | 1,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,229,380 | 3,902 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,776,000 | 5,321 |
| Total interest expense | $2,973,000 | 4,827 |
| Net interest income | $2,803,000 | 5,721 |
| Provision for loan and lease losses | $135,000 | 4,332 |
| Total noninterest income | $881,000 | 3,446 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $881,000 | 1,975 |
| Total noninterest expense | $2,399,000 | 5,180 |
| Salaries and employee benefits | $996,000 | 6,005 |
| Premises and equipment expense | $389,000 | 4,641 |
| Additional noninterest expense | $1,014,000 | 4,361 |
| Pre-tax net operating income | $1,150,000 | 5,259 |
| Securities gains (losses) | $111,000 | 913 |
| Applicable income taxes | $413,000 | 4,804 |
| Income before extraordinary items | $848,000 | 5,086 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $848,000 | 5,086 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 7,175 |
| Cash dividends | $380,000 | 4,013 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $773,630 | 5,367 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,348,000 | 5,698 |
| Total interest expense | $2,777,000 | 5,086 |
| Net interest income | $2,571,000 | 6,180 |
| Provision for loan and lease losses | $116,000 | 4,287 |
| Total noninterest income | $664,000 | 4,258 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $664,000 | 2,379 |
| Total noninterest expense | $1,949,000 | 6,110 |
| Salaries and employee benefits | $982,000 | 6,155 |
| Premises and equipment expense | $391,000 | 4,635 |
| Additional noninterest expense | $576,000 | 6,684 |
| Pre-tax net operating income | $1,170,000 | 5,344 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $416,000 | 4,815 |
| Income before extraordinary items | $754,000 | 5,689 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $754,000 | 5,688 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,801 |
| Cash dividends | $380,000 | 3,998 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $754,000 | 5,667 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,306,000 | 6,343 |
| Total interest expense | $2,062,000 | 5,477 |
| Net interest income | $2,244,000 | 6,985 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $544,000 | 4,971 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $544,000 | 2,789 |
| Total noninterest expense | $1,900,000 | 6,451 |
| Salaries and employee benefits | $904,000 | 6,600 |
| Premises and equipment expense | $248,000 | 6,554 |
| Additional noninterest expense | $748,000 | 6,003 |
| Pre-tax net operating income | $888,000 | 6,455 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $271,000 | 6,237 |
| Income before extraordinary items | $617,000 | 6,416 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $617,000 | 6,432 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $120,000 | 3,390 |
| Cash dividends | $379,000 | 3,879 |
| Sale, conversion, retirement of capital stock, net | $62,000 | 884 |
| Net operating income | $617,000 | 6,482 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,314,000 | 6,509 |
| Total interest expense | $2,032,000 | 5,753 |
| Net interest income | $2,282,000 | 6,963 |
| Provision for loan and lease losses | $100,000 | 5,727 |
| Total noninterest income | $576,000 | 5,094 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $576,000 | 2,962 |
| Total noninterest expense | $1,612,000 | 7,464 |
| Salaries and employee benefits | $764,000 | 7,548 |
| Premises and equipment expense | $224,000 | 7,205 |
| Additional noninterest expense | $624,000 | 7,134 |
| Pre-tax net operating income | $1,146,000 | 5,348 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $363,000 | 5,359 |
| Income before extraordinary items | $783,000 | 5,654 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $783,000 | 5,795 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 11,387 |
| Cash dividends | $4,127,000 | 563 |
| Sale, conversion, retirement of capital stock, net | $156,000 | 821 |
| Net operating income | $783,000 | 5,420 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,745,000 | 6,635 |
| Total interest expense | $2,477,000 | 6,032 |
| Net interest income | $2,268,000 | 7,074 |
| Provision for loan and lease losses | $176,000 | 5,636 |
| Total noninterest income | $562,000 | 5,208 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $562,000 | 2,961 |
| Total noninterest expense | $1,551,000 | 7,733 |
| Salaries and employee benefits | $717,000 | 7,858 |
| Premises and equipment expense | $215,000 | 7,514 |
| Additional noninterest expense | $619,000 | 7,339 |
| Pre-tax net operating income | $1,103,000 | 5,249 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $383,000 | 4,962 |
| Income before extraordinary items | $720,000 | 5,799 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $720,000 | 5,865 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 9,428 |
| Cash dividends | $289,000 | 4,144 |
| Sale, conversion, retirement of capital stock, net | $142,000 | 781 |
| Net operating income | $720,000 | 5,463 |
* 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.