Home > Georgia National Bank > Income and Expense
Georgia National Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,340,000 | 4,338 |
| Total interest expense | $2,973,000 | 4,755 |
| Net interest income | $4,367,000 | 3,913 |
| Provision for loan and lease losses | $135,000 | 4,360 |
| Total noninterest income | $1,422,000 | 2,294 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $438,000 | 2,970 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $984,000 | 1,757 |
| Total noninterest expense | $3,760,000 | 3,365 |
| Salaries and employee benefits | $1,777,000 | 3,690 |
| Premises and equipment expense | $632,000 | 3,011 |
| Additional noninterest expense | $1,351,000 | 2,999 |
| Pre-tax net operating income | $1,894,000 | 3,714 |
| Securities gains (losses) | $7,000 | 2,566 |
| Applicable income taxes | $670,000 | 3,364 |
| Income before extraordinary items | $1,231,000 | 3,967 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,231,000 | 3,966 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 5,573 |
| Cash dividends | $265,000 | 4,832 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,226,450 | 3,910 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,306,000 | 5,003 |
| Total interest expense | $2,539,000 | 5,450 |
| Net interest income | $3,767,000 | 4,543 |
| Provision for loan and lease losses | $35,000 | 7,226 |
| Total noninterest income | $658,000 | 4,282 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $427,000 | 3,150 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $231,000 | 4,763 |
| Total noninterest expense | $2,845,000 | 4,485 |
| Salaries and employee benefits | $1,188,000 | 5,257 |
| Premises and equipment expense | $561,000 | 3,421 |
| Additional noninterest expense | $1,096,000 | 4,070 |
| Pre-tax net operating income | $1,545,000 | 4,231 |
| Securities gains (losses) | $62,000 | 1,204 |
| Applicable income taxes | $557,000 | 3,802 |
| Income before extraordinary items | $1,050,000 | 4,304 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,050,000 | 4,305 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 10,584 |
| Cash dividends | $63,000 | 7,315 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,009,700 | 4,410 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,730,000 | 5,411 |
| Total interest expense | $2,360,000 | 5,795 |
| Net interest income | $3,370,000 | 5,016 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $572,000 | 4,732 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $380,000 | 3,520 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $192,000 | 5,250 |
| Total noninterest expense | $2,452,000 | 5,082 |
| Salaries and employee benefits | $992,000 | 6,104 |
| Premises and equipment expense | $508,000 | 3,716 |
| Additional noninterest expense | $952,000 | 4,541 |
| Pre-tax net operating income | $1,490,000 | 4,479 |
| Securities gains (losses) | $16,000 | 2,046 |
| Applicable income taxes | $508,000 | 4,150 |
| Income before extraordinary items | $998,000 | 4,643 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $998,000 | 4,642 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 8,178 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $987,440 | 4,640 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,468,000 | 6,173 |
| Total interest expense | $1,893,000 | 5,847 |
| Net interest income | $2,575,000 | 6,315 |
| Provision for loan and lease losses | $40,000 | 6,585 |
| Total noninterest income | $715,000 | 4,050 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $389,000 | 3,460 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $326,000 | 3,873 |
| Total noninterest expense | $2,261,000 | 5,609 |
| Salaries and employee benefits | $960,000 | 6,296 |
| Premises and equipment expense | $466,000 | 4,046 |
| Additional noninterest expense | $835,000 | 5,502 |
| Pre-tax net operating income | $989,000 | 6,009 |
| Securities gains (losses) | $19,000 | 1,821 |
| Applicable income taxes | $357,000 | 5,191 |
| Income before extraordinary items | $651,000 | 6,217 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $651,000 | 6,230 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,696 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $638,650 | 6,360 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,171,000 | 6,670 |
| Total interest expense | $1,911,000 | 6,065 |
| Net interest income | $2,260,000 | 7,012 |
| Provision for loan and lease losses | $135,000 | 4,908 |
| Total noninterest income | $437,000 | 6,114 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $406,000 | 3,391 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $31,000 | 11,240 |
| Total noninterest expense | $2,166,000 | 5,942 |
| Salaries and employee benefits | $918,000 | 6,609 |
| Premises and equipment expense | $462,000 | 4,150 |
| Additional noninterest expense | $786,000 | 6,006 |
| Pre-tax net operating income | $396,000 | 9,439 |
| Securities gains (losses) | $8,000 | 5,699 |
| Applicable income taxes | $137,000 | 8,929 |
| Income before extraordinary items | $267,000 | 9,848 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $267,000 | 9,986 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 8,388 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 1,209 |
| Net operating income | $261,720 | 9,650 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,819,000 | 6,557 |
| Total interest expense | $2,805,000 | 5,472 |
| Net interest income | $2,014,000 | 7,714 |
| Provision for loan and lease losses | $270,000 | 4,396 |
| Total noninterest income | $529,000 | 5,427 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $493,000 | 2,819 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $36,000 | 11,337 |
| Total noninterest expense | $2,294,000 | 5,700 |
| Salaries and employee benefits | $1,000,000 | 6,029 |
| Premises and equipment expense | $459,000 | 4,278 |
| Additional noninterest expense | $835,000 | 5,864 |
| Pre-tax net operating income | $-21,000 | 12,798 |
| Securities gains (losses) | $491,000 | 1,101 |
| Applicable income taxes | $160,000 | 8,377 |
| Income before extraordinary items | $310,000 | 9,176 |
| Extraordinary gains, net | $140,000 | 586 |
| Net income | $450,000 | 7,861 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $163,000 | 4,698 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 1,141 |
| Net operating income | $-14,060 | 12,725 |
* 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.