Home > First Gwinnett Bank > Income and Expense
First Gwinnett Bank, Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,076,000 | 5,916 |
| Total interest expense | $2,139,000 | 6,192 |
| Net interest income | $2,937,000 | 5,592 |
| Provision for loan and lease losses | $120,000 | 4,090 |
| Total noninterest income | $266,000 | 7,495 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $195,000 | 5,770 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $71,000 | 8,310 |
| Total noninterest expense | $1,724,000 | 6,669 |
| Salaries and employee benefits | $886,000 | 6,625 |
| Premises and equipment expense | $238,000 | 6,542 |
| Additional noninterest expense | $600,000 | 6,537 |
| Pre-tax net operating income | $1,359,000 | 4,804 |
| Securities gains (losses) | $-5,000 | 9,676 |
| Applicable income taxes | $460,000 | 4,459 |
| Income before extraordinary items | $894,000 | 5,019 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $894,000 | 5,019 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $308,000 | 1,911 |
| Cash dividends | $376,000 | 4,022 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $897,300 | 4,990 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,058,000 | 6,623 |
| Total interest expense | $1,483,000 | 6,944 |
| Net interest income | $2,575,000 | 6,315 |
| Provision for loan and lease losses | $2,000 | 9,032 |
| Total noninterest income | $268,000 | 7,684 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $200,000 | 5,872 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $68,000 | 8,738 |
| Total noninterest expense | $1,750,000 | 6,832 |
| Salaries and employee benefits | $909,000 | 6,571 |
| Premises and equipment expense | $233,000 | 6,814 |
| Additional noninterest expense | $608,000 | 6,982 |
| Pre-tax net operating income | $1,091,000 | 5,599 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $342,000 | 5,361 |
| Income before extraordinary items | $749,000 | 5,618 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $749,000 | 5,637 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-229,000 | 12,434 |
| Cash dividends | $91,000 | 7,099 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $749,000 | 5,693 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,154,000 | 8,088 |
| Total interest expense | $1,233,000 | 8,137 |
| Net interest income | $1,921,000 | 7,913 |
| Provision for loan and lease losses | $416,000 | 2,397 |
| Total noninterest income | $254,000 | 8,305 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $202,000 | 5,939 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $52,000 | 9,987 |
| Total noninterest expense | $1,743,000 | 7,056 |
| Salaries and employee benefits | $739,000 | 7,716 |
| Premises and equipment expense | $238,000 | 6,929 |
| Additional noninterest expense | $766,000 | 6,130 |
| Pre-tax net operating income | $16,000 | 12,322 |
| Securities gains (losses) | $147,000 | 1,997 |
| Applicable income taxes | $16,000 | 11,688 |
| Income before extraordinary items | $147,000 | 11,238 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $147,000 | 11,320 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $525,000 | 1,712 |
| Cash dividends | $100,000 | 6,847 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $14,700 | 12,316 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,417,000 | 8,304 |
| Total interest expense | $1,529,000 | 8,430 |
| Net interest income | $1,888,000 | 8,083 |
| Provision for loan and lease losses | $288,000 | 4,244 |
| Total noninterest income | $278,000 | 8,040 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $214,000 | 5,737 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $64,000 | 9,594 |
| Total noninterest expense | $1,487,000 | 7,962 |
| Salaries and employee benefits | $687,000 | 8,091 |
| Premises and equipment expense | $219,000 | 7,420 |
| Additional noninterest expense | $581,000 | 7,681 |
| Pre-tax net operating income | $391,000 | 9,325 |
| Securities gains (losses) | $-1,000 | 12,730 |
| Applicable income taxes | $113,000 | 9,575 |
| Income before extraordinary items | $277,000 | 9,589 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $277,000 | 9,726 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $153,000 | 4,836 |
| Cash dividends | $30,000 | 8,198 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $277,710 | 9,223 |
* 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.