Georgia Bank & Trust Company of Columbia County, Income and Expense

1992-12-31 (YTD Data)		Rank
Total interest income	$4,695,000	6,678
Total interest expense	$2,374,000	6,241
Net interest income	$2,321,000	6,957
Provision for loan and lease losses	$5,000	11,499
Total noninterest income	$615,000	4,874
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$430,000	3,253
Trading account gains and fees	NA	NA
Additional Noninterest Income	$185,000	5,932
Total noninterest expense	$2,509,000	5,298
Salaries and employee benefits	$1,128,000	5,468
Premises and equipment expense	$462,000	4,256
Additional noninterest expense	$919,000	5,423
Pre-tax net operating income	$422,000	9,047
Securities gains (losses)	$42,000	4,413
Applicable income taxes	$158,000	8,431
Income before extraordinary items	$306,000	9,233
Extraordinary gains, net	$0	1,422
Net income	$306,000	9,366
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$221,000	3,986
Cash dividends	$250,000	4,445
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$278,280	9,206

* 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.