Home > First National Bank of Forsyth County > Income and Expense
First National Bank of Forsyth County, Income and Expense
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $12,927,000 | 2,397 |
| Total interest expense | $6,815,000 | 2,095 |
| Net interest income | $6,112,000 | 2,689 |
| Provision for loan and lease losses | $777,000 | 1,119 |
| Total noninterest income | $220,000 | 6,124 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $78,000 | 6,014 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $142,000 | 5,202 |
| Total noninterest expense | $3,095,000 | 4,002 |
| Salaries and employee benefits | $2,022,000 | 3,501 |
| Premises and equipment expense | $417,000 | 4,039 |
| Additional noninterest expense | $656,000 | 4,997 |
| Pre-tax net operating income | $2,460,000 | 2,469 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $895,000 | 1,768 |
| Income before extraordinary items | $1,565,000 | 2,886 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,565,000 | 2,885 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $42,000 | 922 |
| Net operating income | $1,565,000 | 2,871 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $8,253,000 | 2,493 |
| Total interest expense | $4,286,000 | 2,204 |
| Net interest income | $3,967,000 | 2,771 |
| Provision for loan and lease losses | $547,000 | 953 |
| Total noninterest income | $149,000 | 6,148 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $48,000 | 6,141 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $101,000 | 5,106 |
| Total noninterest expense | $1,960,000 | 4,184 |
| Salaries and employee benefits | $1,308,000 | 3,615 |
| Premises and equipment expense | $245,000 | 4,442 |
| Additional noninterest expense | $407,000 | 5,246 |
| Pre-tax net operating income | $1,609,000 | 2,560 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $585,000 | 1,871 |
| Income before extraordinary items | $1,024,000 | 2,988 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,024,000 | 2,987 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $28,000 | 849 |
| Net operating income | $1,024,000 | 2,973 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,996,000 | 2,565 |
| Total interest expense | $2,033,000 | 2,292 |
| Net interest income | $1,963,000 | 2,807 |
| Provision for loan and lease losses | $114,000 | 1,859 |
| Total noninterest income | $75,000 | 6,097 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $22,000 | 6,225 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $53,000 | 4,993 |
| Total noninterest expense | $1,011,000 | 4,109 |
| Salaries and employee benefits | $651,000 | 3,657 |
| Premises and equipment expense | $120,000 | 4,509 |
| Additional noninterest expense | $240,000 | 4,674 |
| Pre-tax net operating income | $913,000 | 2,318 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $334,000 | 1,729 |
| Income before extraordinary items | $579,000 | 2,711 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $579,000 | 2,713 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $13,000 | 731 |
| Net operating income | $579,000 | 2,698 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $12,736,000 | 2,942 |
| Total interest expense | $5,634,000 | 2,737 |
| Net interest income | $7,102,000 | 3,064 |
| Provision for loan and lease losses | $661,000 | 1,484 |
| Total noninterest income | $320,000 | 6,051 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $86,000 | 6,341 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $234,000 | 4,811 |
| Total noninterest expense | $3,538,000 | 4,381 |
| Salaries and employee benefits | $2,305,000 | 3,847 |
| Premises and equipment expense | $466,000 | 4,461 |
| Additional noninterest expense | $767,000 | 5,350 |
| Pre-tax net operating income | $3,223,000 | 2,655 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,245,000 | 1,912 |
| Income before extraordinary items | $1,978,000 | 3,127 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,978,000 | 3,126 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $56,000 | 996 |
| Net operating income | $1,978,000 | 3,117 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $8,896,000 | 3,093 |
| Total interest expense | $3,885,000 | 2,852 |
| Net interest income | $5,011,000 | 3,265 |
| Provision for loan and lease losses | $381,000 | 1,767 |
| Total noninterest income | $247,000 | 6,039 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $65,000 | 6,410 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $182,000 | 4,732 |
| Total noninterest expense | $2,636,000 | 4,367 |
| Salaries and employee benefits | $1,728,000 | 3,839 |
| Premises and equipment expense | $348,000 | 4,474 |
| Additional noninterest expense | $560,000 | 5,434 |
| Pre-tax net operating income | $2,241,000 | 2,882 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $852,000 | 2,105 |
| Income before extraordinary items | $1,389,000 | 3,369 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,389,000 | 3,371 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $42,000 | 840 |
| Net operating income | $1,389,000 | 3,358 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,559,000 | 3,239 |
| Total interest expense | $2,392,000 | 2,929 |
| Net interest income | $3,167,000 | 3,415 |
| Provision for loan and lease losses | $310,000 | 1,428 |
| Total noninterest income | $170,000 | 5,986 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $44,000 | 6,413 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $126,000 | 4,648 |
| Total noninterest expense | $1,742,000 | 4,415 |
| Salaries and employee benefits | $1,128,000 | 3,928 |
| Premises and equipment expense | $234,000 | 4,456 |
| Additional noninterest expense | $380,000 | 5,383 |
| Pre-tax net operating income | $1,285,000 | 3,208 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $489,000 | 2,349 |
| Income before extraordinary items | $796,000 | 3,762 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $796,000 | 3,765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $28,000 | 711 |
| Net operating income | $796,000 | 3,755 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,523,000 | 3,418 |
| Total interest expense | $1,045,000 | 3,147 |
| Net interest income | $1,478,000 | 3,580 |
| Provision for loan and lease losses | $121,000 | 1,726 |
| Total noninterest income | $91,000 | 5,791 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $21,000 | 6,441 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $70,000 | 4,434 |
| Total noninterest expense | $842,000 | 4,528 |
| Salaries and employee benefits | $550,000 | 3,999 |
| Premises and equipment expense | $115,000 | 4,545 |
| Additional noninterest expense | $177,000 | 5,560 |
| Pre-tax net operating income | $606,000 | 3,287 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $231,000 | 2,397 |
| Income before extraordinary items | $375,000 | 3,851 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $375,000 | 3,850 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 530 |
| Net operating income | $375,000 | 3,832 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,389,000 | 4,435 |
| Total interest expense | $2,453,000 | 3,870 |
| Net interest income | $3,936,000 | 4,674 |
| Provision for loan and lease losses | $720,000 | 1,384 |
| Total noninterest income | $284,000 | 6,423 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $71,000 | 6,730 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $213,000 | 5,044 |
| Total noninterest expense | $2,925,000 | 4,846 |
| Salaries and employee benefits | $1,903,000 | 4,277 |
| Premises and equipment expense | $407,000 | 4,796 |
| Additional noninterest expense | $615,000 | 5,983 |
| Pre-tax net operating income | $575,000 | 6,501 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $-192,000 | 8,673 |
| Income before extraordinary items | $767,000 | 5,443 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $767,000 | 5,447 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $767,000 | 5,417 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,257,000 | 4,728 |
| Total interest expense | $1,633,000 | 4,057 |
| Net interest income | $2,624,000 | 5,034 |
| Provision for loan and lease losses | $465,000 | 1,494 |
| Total noninterest income | $225,000 | 6,354 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $55,000 | 6,735 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $170,000 | 4,956 |
| Total noninterest expense | $2,137,000 | 4,919 |
| Salaries and employee benefits | $1,386,000 | 4,351 |
| Premises and equipment expense | $298,000 | 4,864 |
| Additional noninterest expense | $453,000 | 6,005 |
| Pre-tax net operating income | $247,000 | 7,434 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $247,000 | 7,206 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $247,000 | 7,206 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $247,000 | 7,163 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,481,000 | 5,080 |
| Total interest expense | $941,000 | 4,309 |
| Net interest income | $1,540,000 | 5,414 |
| Provision for loan and lease losses | $292,000 | 1,597 |
| Total noninterest income | $143,000 | 6,428 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $32,000 | 6,885 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $111,000 | 4,976 |
| Total noninterest expense | $1,355,000 | 5,079 |
| Salaries and employee benefits | $872,000 | 4,525 |
| Premises and equipment expense | $188,000 | 5,028 |
| Additional noninterest expense | $295,000 | 6,052 |
| Pre-tax net operating income | $36,000 | 8,204 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $36,000 | 8,196 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $36,000 | 8,196 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $36,000 | 8,162 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,069,000 | 5,530 |
| Total interest expense | $379,000 | 4,829 |
| Net interest income | $690,000 | 5,775 |
| Provision for loan and lease losses | $153,000 | 1,365 |
| Total noninterest income | $92,000 | 5,872 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $15,000 | 6,958 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $77,000 | 4,262 |
| Total noninterest expense | $655,000 | 5,225 |
| Salaries and employee benefits | $408,000 | 4,761 |
| Premises and equipment expense | $85,000 | 5,390 |
| Additional noninterest expense | $162,000 | 5,752 |
| Pre-tax net operating income | $-26,000 | 8,516 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $-26,000 | 8,541 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-26,000 | 8,541 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-26,000 | 8,515 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,626,000 | 7,764 |
| Total interest expense | $484,000 | 7,364 |
| Net interest income | $1,142,000 | 7,831 |
| Provision for loan and lease losses | $655,000 | 1,535 |
| Total noninterest income | $57,000 | 8,522 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $13,000 | 7,746 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $44,000 | 7,564 |
| Total noninterest expense | $1,518,000 | 6,853 |
| Salaries and employee benefits | $1,002,000 | 6,267 |
| Premises and equipment expense | $218,000 | 6,550 |
| Additional noninterest expense | $298,000 | 7,717 |
| Pre-tax net operating income | $-974,000 | 8,797 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $-974,000 | 8,833 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-974,000 | 8,834 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $10,000,000 | 102 |
| Net operating income | $-974,000 | 8,810 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $807,000 | 8,380 |
| Total interest expense | $199,000 | 8,268 |
| Net interest income | $608,000 | 8,330 |
| Provision for loan and lease losses | $455,000 | 1,563 |
| Total noninterest income | $18,000 | 8,822 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $4,000 | 7,866 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $14,000 | 8,295 |
| Total noninterest expense | $973,000 | 7,225 |
| Salaries and employee benefits | $650,000 | 6,690 |
| Premises and equipment expense | $136,000 | 6,942 |
| Additional noninterest expense | $187,000 | 7,996 |
| Pre-tax net operating income | $-802,000 | 8,860 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $-802,000 | 8,893 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-802,000 | 8,894 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $10,000,000 | 77 |
| Net operating income | $-802,000 | 8,874 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $296,000 | 8,829 |
| Total interest expense | $72,000 | 8,745 |
| Net interest income | $224,000 | 8,806 |
| Provision for loan and lease losses | $262,000 | 1,764 |
| Total noninterest income | $5,000 | 8,958 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $1,000 | 7,953 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $4,000 | 8,694 |
| Total noninterest expense | $461,000 | 7,983 |
| Salaries and employee benefits | $312,000 | 7,565 |
| Premises and equipment expense | $71,000 | 7,432 |
| Additional noninterest expense | $78,000 | 8,608 |
| Pre-tax net operating income | $-494,000 | 8,897 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $-494,000 | 8,930 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-494,000 | 8,932 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $10,000,000 | 51 |
| Net operating income | $-494,000 | 8,908 |
* 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.