Home > First Macon Bank & Trust Company > Income and Expense
First Macon Bank & Trust Company, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $14,407,000 | 2,267 |
| Total interest expense | $6,657,000 | 2,261 |
| Net interest income | $7,750,000 | 2,272 |
| Provision for loan and lease losses | $178,000 | 3,774 |
| Total noninterest income | $1,494,000 | 2,200 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,267,000 | 994 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $227,000 | 4,653 |
| Total noninterest expense | $4,990,000 | 2,570 |
| Salaries and employee benefits | $2,721,000 | 2,446 |
| Premises and equipment expense | $658,000 | 2,907 |
| Additional noninterest expense | $1,611,000 | 2,548 |
| Pre-tax net operating income | $4,076,000 | 1,855 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,335,000 | 1,890 |
| Income before extraordinary items | $2,741,000 | 1,923 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,741,000 | 1,923 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $178,000 | 2,726 |
| Cash dividends | $321,000 | 4,405 |
| Sale, conversion, retirement of capital stock, net | $58,000 | 829 |
| Net operating income | $2,741,000 | 1,868 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $11,384,000 | 2,904 |
| Total interest expense | $5,017,000 | 2,990 |
| Net interest income | $6,367,000 | 2,775 |
| Provision for loan and lease losses | $376,000 | 2,183 |
| Total noninterest income | $1,320,000 | 2,513 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $1,121,000 | 1,187 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $199,000 | 5,174 |
| Total noninterest expense | $4,334,000 | 3,114 |
| Salaries and employee benefits | $2,255,000 | 2,964 |
| Premises and equipment expense | $665,000 | 2,929 |
| Additional noninterest expense | $1,414,000 | 3,280 |
| Pre-tax net operating income | $2,977,000 | 2,390 |
| Securities gains (losses) | $16,000 | 2,154 |
| Applicable income taxes | $883,000 | 2,624 |
| Income before extraordinary items | $2,110,000 | 2,330 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,110,000 | 2,331 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $109,000 | 3,762 |
| Cash dividends | $235,000 | 5,116 |
| Sale, conversion, retirement of capital stock, net | $183,000 | 591 |
| Net operating income | $2,098,800 | 2,299 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $9,340,000 | 3,494 |
| Total interest expense | $4,062,000 | 3,627 |
| Net interest income | $5,278,000 | 3,355 |
| Provision for loan and lease losses | $324,000 | 2,168 |
| Total noninterest income | $1,039,000 | 3,014 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $883,000 | 1,537 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $156,000 | 5,872 |
| Total noninterest expense | $3,557,000 | 3,682 |
| Salaries and employee benefits | $1,854,000 | 3,553 |
| Premises and equipment expense | $568,000 | 3,364 |
| Additional noninterest expense | $1,135,000 | 3,932 |
| Pre-tax net operating income | $2,436,000 | 2,924 |
| Securities gains (losses) | $22,000 | 1,840 |
| Applicable income taxes | $714,000 | 3,187 |
| Income before extraordinary items | $1,744,000 | 2,827 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,744,000 | 2,825 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 4,931 |
| Cash dividends | $155,000 | 5,997 |
| Sale, conversion, retirement of capital stock, net | $180,000 | 497 |
| Net operating income | $1,728,380 | 2,814 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,747,000 | 4,370 |
| Total interest expense | $2,485,000 | 4,681 |
| Net interest income | $4,262,000 | 4,130 |
| Provision for loan and lease losses | $391,000 | 1,857 |
| Total noninterest income | $1,015,000 | 3,089 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $882,000 | 1,532 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $133,000 | 6,595 |
| Total noninterest expense | $3,151,000 | 4,231 |
| Salaries and employee benefits | $1,615,000 | 3,998 |
| Premises and equipment expense | $494,000 | 3,843 |
| Additional noninterest expense | $1,042,000 | 4,557 |
| Pre-tax net operating income | $1,735,000 | 3,885 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $500,000 | 4,049 |
| Income before extraordinary items | $1,235,000 | 3,752 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,235,000 | 3,757 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 3,814 |
| Cash dividends | $110,000 | 6,689 |
| Sale, conversion, retirement of capital stock, net | $30,000 | 973 |
| Net operating income | $1,235,000 | 3,787 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,294,000 | 5,500 |
| Total interest expense | $2,094,000 | 5,623 |
| Net interest income | $3,200,000 | 5,351 |
| Provision for loan and lease losses | $498,000 | 2,113 |
| Total noninterest income | $965,000 | 3,440 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $815,000 | 1,683 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $150,000 | 6,564 |
| Total noninterest expense | $2,733,000 | 4,874 |
| Salaries and employee benefits | $1,362,000 | 4,680 |
| Premises and equipment expense | $431,000 | 4,415 |
| Additional noninterest expense | $940,000 | 5,192 |
| Pre-tax net operating income | $934,000 | 6,198 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $211,000 | 7,412 |
| Income before extraordinary items | $723,000 | 5,969 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $723,000 | 6,126 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $284,000 | 2,545 |
| Cash dividends | $100,000 | 6,847 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $723,000 | 5,709 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,953,000 | 6,442 |
| Total interest expense | $2,288,000 | 6,434 |
| Net interest income | $2,665,000 | 6,287 |
| Provision for loan and lease losses | $421,000 | 3,338 |
| Total noninterest income | $763,000 | 4,109 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $670,000 | 2,027 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $93,000 | 8,327 |
| Total noninterest expense | $2,257,000 | 5,786 |
| Salaries and employee benefits | $1,108,000 | 5,561 |
| Premises and equipment expense | $355,000 | 5,314 |
| Additional noninterest expense | $794,000 | 6,105 |
| Pre-tax net operating income | $750,000 | 6,828 |
| Securities gains (losses) | $154,000 | 2,386 |
| Applicable income taxes | $253,000 | 6,602 |
| Income before extraordinary items | $651,000 | 6,227 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $651,000 | 6,298 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $301,000 | 3,328 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $540,120 | 6,632 |
* 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.