Home > First National Bank of Northwest Georgia > Income and Expense

First National Bank of Northwest Georgia, Income and Expense

2000-12-31 (YTD Data)Rank
Total interest income$15,602,0002,258
Total interest expense$7,220,0002,340
Net interest income$8,382,0002,114
Provision for loan and lease losses$993,0001,076
Total noninterest income$1,454,0002,402
Gross Fiduciary activities income$01,332
Service charges on deposit accounts$1,011,0001,349
Trading account gains and fees$0180
Additional Noninterest Income$443,0003,146
Total noninterest expense$7,767,0001,796
Salaries and employee benefits$4,049,0001,776
Premises and equipment expense$1,387,0001,502
Additional noninterest expense$2,331,0001,887
Pre-tax net operating income$1,076,0005,067
Securities gains (losses)$-376,0009,673
Applicable income taxes$293,0004,644
Income before extraordinary items$407,0006,810
Extraordinary gains, net$038
Net income$407,0006,808
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$383,0001,528
Cash dividends$625,0003,120
Sale, conversion, retirement of capital stock, net$0969
Net operating income$647,6405,642
1999-12-31 (YTD Data)Rank
Total interest income$15,881,0002,048
Total interest expense$6,422,0002,293
Net interest income$9,459,0001,848
Provision for loan and lease losses$08,503
Total noninterest income$1,501,0002,303
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$1,042,0001,263
Trading account gains and fees$0173
Additional Noninterest Income$459,0003,120
Total noninterest expense$7,708,0001,788
Salaries and employee benefits$3,795,0001,832
Premises and equipment expense$1,498,0001,355
Additional noninterest expense$2,415,0001,824
Pre-tax net operating income$3,252,0002,236
Securities gains (losses)$-269,00010,068
Applicable income taxes$940,0002,317
Income before extraordinary items$2,043,0002,540
Extraordinary gains, net$035
Net income$2,043,0002,540
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-27,0009,716
Cash dividends$1,500,0001,672
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$2,225,9202,305
1998-12-31 (YTD Data)Rank
Total interest income$16,490,0001,960
Total interest expense$7,097,0002,134
Net interest income$9,393,0001,820
Provision for loan and lease losses$300,0002,562
Total noninterest income$1,501,0002,267
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$1,038,0001,212
Trading account gains and fees$0224
Additional Noninterest Income$463,0003,122
Total noninterest expense$7,181,0001,812
Salaries and employee benefits$3,380,0001,976
Premises and equipment expense$1,491,0001,301
Additional noninterest expense$2,310,0001,827
Pre-tax net operating income$3,413,0002,116
Securities gains (losses)$57,0001,648
Applicable income taxes$1,095,0002,147
Income before extraordinary items$2,375,0002,201
Extraordinary gains, net$032
Net income$2,375,0002,200
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$312,0001,807
Cash dividends$1,500,0001,647
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$2,336,2402,159
1997-12-31 (YTD Data)Rank
Total interest income$14,970,0002,182
Total interest expense$6,129,0002,452
Net interest income$8,841,0001,964
Provision for loan and lease losses$800,0001,181
Total noninterest income$2,482,0001,492
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$1,034,0001,227
Trading account gains and fees$0239
Additional Noninterest Income$1,448,0001,356
Total noninterest expense$7,415,0001,754
Salaries and employee benefits$3,568,0001,837
Premises and equipment expense$1,439,0001,364
Additional noninterest expense$2,408,0001,760
Pre-tax net operating income$3,108,0002,412
Securities gains (losses)$30,0001,635
Applicable income taxes$1,013,0002,410
Income before extraordinary items$2,125,0002,443
Extraordinary gains, net$044
Net income$2,125,0002,442
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$231,0002,326
Cash dividends$1,500,0001,600
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$2,104,6002,411
1996-12-31 (YTD Data)Rank
Total interest income$13,223,0002,527
Total interest expense$5,180,0002,903
Net interest income$8,043,0002,246
Provision for loan and lease losses$150,0004,046
Total noninterest income$1,445,0002,364
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$949,0001,420
Trading account gains and fees$0262
Additional Noninterest Income$496,0002,940
Total noninterest expense$6,991,0002,002
Salaries and employee benefits$3,339,0001,979
Premises and equipment expense$1,528,0001,339
Additional noninterest expense$2,124,0002,318
Pre-tax net operating income$2,347,0002,974
Securities gains (losses)$-17,00010,550
Applicable income taxes$651,0003,358
Income before extraordinary items$1,679,0002,885
Extraordinary gains, net$053
Net income$1,679,0002,886
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$17,0006,952
Cash dividends$1,000,0002,117
Sale, conversion, retirement of capital stock, net$0953
Net operating income$1,691,2402,821
1995-12-31 (YTD Data)Rank
Total interest income$13,315,0002,512
Total interest expense$5,421,0002,821
Net interest income$7,894,0002,281
Provision for loan and lease losses$08,958
Total noninterest income$1,462,0002,324
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$1,031,0001,316
Trading account gains and fees$0522
Additional Noninterest Income$431,0003,166
Total noninterest expense$7,352,0001,896
Salaries and employee benefits$3,552,0001,864
Premises and equipment expense$1,442,0001,430
Additional noninterest expense$2,358,0002,102
Pre-tax net operating income$2,004,0003,492
Securities gains (losses)$3,0003,092
Applicable income taxes$471,0004,379
Income before extraordinary items$1,536,0003,175
Extraordinary gains, net$065
Net income$1,536,0003,172
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-39,00011,353
Cash dividends$750,0002,525
Sale, conversion, retirement of capital stock, net$0809
Net operating income$1,533,6903,169
1994-12-31 (YTD Data)Rank
Total interest income$11,917,0002,540
Total interest expense$4,029,0003,034
Net interest income$7,888,0002,282
Provision for loan and lease losses$-300,00012,391
Total noninterest income$1,557,0002,228
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$1,052,0001,276
Trading account gains and fees$0475
Additional Noninterest Income$505,0002,930
Total noninterest expense$7,320,0001,959
Salaries and employee benefits$3,159,0002,094
Premises and equipment expense$1,241,0001,669
Additional noninterest expense$2,920,0001,855
Pre-tax net operating income$2,425,0002,909
Securities gains (losses)$47,0001,192
Applicable income taxes$631,0003,355
Income before extraordinary items$1,841,0002,638
Extraordinary gains, net$0249
Net income$1,841,0002,638
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-330,00012,487
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,806,2202,697
1993-12-31 (YTD Data)Rank
Total interest income$11,890,0002,596
Total interest expense$4,250,0002,998
Net interest income$7,640,0002,343
Provision for loan and lease losses$600,0001,833
Total noninterest income$1,628,0002,285
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$1,157,0001,155
Trading account gains and fees$0532
Additional Noninterest Income$471,0003,390
Total noninterest expense$7,373,0001,994
Salaries and employee benefits$3,360,0001,980
Premises and equipment expense$1,249,0001,675
Additional noninterest expense$2,764,0002,042
Pre-tax net operating income$1,295,0004,876
Securities gains (losses)$39,0003,767
Applicable income taxes$245,0006,880
Income before extraordinary items$1,089,0004,361
Extraordinary gains, net$-56,00012,757
Net income$1,033,0004,704
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$574,0001,636
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$1,057,0204,238
1992-12-31 (YTD Data)Rank
Total interest income$12,697,0002,769
Total interest expense$5,257,0003,152
Net interest income$7,440,0002,432
Provision for loan and lease losses$525,0002,889
Total noninterest income$1,623,0002,254
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$963,0001,390
Trading account gains and fees$0504
Additional Noninterest Income$660,0002,649
Total noninterest expense$7,111,0002,076
Salaries and employee benefits$3,244,0002,023
Premises and equipment expense$1,126,0001,874
Additional noninterest expense$2,741,0002,152
Pre-tax net operating income$1,427,0004,237
Securities gains (losses)$93,0003,119
Applicable income taxes$297,0005,965
Income before extraordinary items$1,223,0003,736
Extraordinary gains, net$01,422
Net income$1,223,0003,782
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$960,0001,599
Cash dividends$6,099,000319
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$1,148,6003,679

* 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.