Home > First National Bank of Habersham > Income and Expense
First National Bank of Habersham, Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $9,137,000 | 3,574 |
| Total interest expense | $3,956,000 | 3,712 |
| Net interest income | $5,181,000 | 3,417 |
| Provision for loan and lease losses | $797,000 | 1,125 |
| Total noninterest income | $708,000 | 4,049 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $422,000 | 3,187 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $286,000 | 4,119 |
| Total noninterest expense | $3,348,000 | 3,898 |
| Salaries and employee benefits | $1,646,000 | 3,941 |
| Premises and equipment expense | $306,000 | 5,546 |
| Additional noninterest expense | $1,396,000 | 3,276 |
| Pre-tax net operating income | $1,743,000 | 3,949 |
| Securities gains (losses) | $49,000 | 1,312 |
| Applicable income taxes | $604,000 | 3,643 |
| Income before extraordinary items | $1,188,000 | 3,996 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,188,000 | 3,993 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $209,000 | 2,420 |
| Cash dividends | $775,000 | 2,489 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,155,660 | 4,062 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,113,000 | 3,697 |
| Total interest expense | $3,134,000 | 3,799 |
| Net interest income | $4,979,000 | 3,581 |
| Provision for loan and lease losses | $13,000 | 8,228 |
| Total noninterest income | $705,000 | 4,106 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $423,000 | 3,212 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $282,000 | 4,274 |
| Total noninterest expense | $3,297,000 | 4,061 |
| Salaries and employee benefits | $1,590,000 | 4,069 |
| Premises and equipment expense | $384,000 | 4,745 |
| Additional noninterest expense | $1,324,000 | 3,722 |
| Pre-tax net operating income | $2,375,000 | 2,969 |
| Securities gains (losses) | $47,000 | 1,192 |
| Applicable income taxes | $592,000 | 3,553 |
| Income before extraordinary items | $1,829,000 | 2,654 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,829,000 | 2,654 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 5,399 |
| Cash dividends | $729,000 | 2,450 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,793,280 | 2,715 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $8,031,000 | 3,801 |
| Total interest expense | $3,270,000 | 3,816 |
| Net interest income | $4,761,000 | 3,738 |
| Provision for loan and lease losses | $58,000 | 7,185 |
| Total noninterest income | $767,000 | 4,126 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $385,000 | 3,570 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $382,000 | 3,867 |
| Total noninterest expense | $3,256,000 | 4,192 |
| Salaries and employee benefits | $1,608,000 | 4,007 |
| Premises and equipment expense | $426,000 | 4,464 |
| Additional noninterest expense | $1,222,000 | 4,128 |
| Pre-tax net operating income | $2,214,000 | 3,010 |
| Securities gains (losses) | $10,000 | 5,473 |
| Applicable income taxes | $514,000 | 4,085 |
| Income before extraordinary items | $1,710,000 | 2,880 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,710,000 | 2,974 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $99,000 | 4,582 |
| Cash dividends | $677,000 | 2,439 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,702,300 | 2,740 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $8,789,000 | 3,944 |
| Total interest expense | $4,112,000 | 3,978 |
| Net interest income | $4,677,000 | 3,864 |
| Provision for loan and lease losses | $156,000 | 5,974 |
| Total noninterest income | $792,000 | 4,010 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $317,000 | 4,255 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $475,000 | 3,294 |
| Total noninterest expense | $2,944,000 | 4,622 |
| Salaries and employee benefits | $1,407,000 | 4,475 |
| Premises and equipment expense | $374,000 | 5,066 |
| Additional noninterest expense | $1,163,000 | 4,469 |
| Pre-tax net operating income | $2,369,000 | 2,632 |
| Securities gains (losses) | $110,000 | 2,851 |
| Applicable income taxes | $634,000 | 3,281 |
| Income before extraordinary items | $1,845,000 | 2,485 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,845,000 | 2,527 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 5,287 |
| Cash dividends | $1,246,000 | 1,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,763,600 | 2,414 |
* 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.