Home > Gwinnett National Bank > Income and Expense
Gwinnett National Bank, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,386,000 | 6,152 |
| Total interest expense | $1,647,000 | 6,877 |
| Net interest income | $2,739,000 | 5,496 |
| Provision for loan and lease losses | $285,000 | 2,735 |
| Total noninterest income | $552,000 | 4,649 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $224,000 | 4,820 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $328,000 | 3,824 |
| Total noninterest expense | $2,228,000 | 5,168 |
| Salaries and employee benefits | $955,000 | 5,965 |
| Premises and equipment expense | $398,000 | 4,436 |
| Additional noninterest expense | $875,000 | 4,382 |
| Pre-tax net operating income | $778,000 | 6,170 |
| Securities gains (losses) | $1,000 | 4,151 |
| Applicable income taxes | $252,000 | 5,629 |
| Income before extraordinary items | $527,000 | 6,445 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $527,000 | 6,444 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 3,233 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $526,320 | 6,339 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,553,000 | 7,107 |
| Total interest expense | $1,545,000 | 7,241 |
| Net interest income | $2,008,000 | 6,901 |
| Provision for loan and lease losses | $1,690,000 | 674 |
| Total noninterest income | $474,000 | 5,173 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $325,000 | 3,835 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $149,000 | 5,702 |
| Total noninterest expense | $2,442,000 | 4,867 |
| Salaries and employee benefits | $976,000 | 5,949 |
| Premises and equipment expense | $465,000 | 3,944 |
| Additional noninterest expense | $1,001,000 | 3,905 |
| Pre-tax net operating income | $-1,650,000 | 10,886 |
| Securities gains (losses) | $-10,000 | 10,039 |
| Applicable income taxes | $-694,000 | 10,873 |
| Income before extraordinary items | $-966,000 | 10,852 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-966,000 | 10,851 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,321,000 | 659 |
| Cash dividends | $56,000 | 7,102 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-959,600 | 10,839 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,876,000 | 6,976 |
| Total interest expense | $1,438,000 | 7,733 |
| Net interest income | $2,438,000 | 6,305 |
| Provision for loan and lease losses | $483,000 | 1,781 |
| Total noninterest income | $532,000 | 4,958 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $370,000 | 3,579 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $162,000 | 5,740 |
| Total noninterest expense | $1,891,000 | 6,185 |
| Salaries and employee benefits | $787,000 | 7,044 |
| Premises and equipment expense | $344,000 | 5,065 |
| Additional noninterest expense | $760,000 | 5,402 |
| Pre-tax net operating income | $596,000 | 7,439 |
| Securities gains (losses) | $1,000 | 3,760 |
| Applicable income taxes | $165,000 | 7,653 |
| Income before extraordinary items | $432,000 | 7,365 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $432,000 | 7,365 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $505,000 | 1,417 |
| Cash dividends | $380,000 | 4,013 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $431,280 | 7,319 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,791,000 | 7,217 |
| Total interest expense | $1,376,000 | 8,043 |
| Net interest income | $2,415,000 | 6,453 |
| Provision for loan and lease losses | $147,000 | 3,702 |
| Total noninterest income | $614,000 | 4,487 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $457,000 | 2,963 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $157,000 | 5,854 |
| Total noninterest expense | $1,854,000 | 6,343 |
| Salaries and employee benefits | $786,000 | 7,184 |
| Premises and equipment expense | $353,000 | 4,989 |
| Additional noninterest expense | $715,000 | 5,744 |
| Pre-tax net operating income | $1,028,000 | 5,879 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $280,000 | 6,252 |
| Income before extraordinary items | $748,000 | 5,727 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $748,000 | 5,724 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $123,000 | 3,337 |
| Cash dividends | $1,300,000 | 1,661 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $748,000 | 5,699 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,118,000 | 7,862 |
| Total interest expense | $1,033,000 | 8,548 |
| Net interest income | $2,085,000 | 7,361 |
| Provision for loan and lease losses | $174,000 | 3,323 |
| Total noninterest income | $583,000 | 4,759 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $360,000 | 3,738 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $223,000 | 4,919 |
| Total noninterest expense | $1,942,000 | 6,361 |
| Salaries and employee benefits | $701,000 | 7,875 |
| Premises and equipment expense | $378,000 | 4,815 |
| Additional noninterest expense | $863,000 | 5,368 |
| Pre-tax net operating income | $552,000 | 8,300 |
| Securities gains (losses) | $3,000 | 2,889 |
| Applicable income taxes | $162,000 | 8,073 |
| Income before extraordinary items | $393,000 | 8,253 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $393,000 | 8,255 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 3,709 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $390,870 | 8,323 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,464,000 | 9,264 |
| Total interest expense | $888,000 | 9,603 |
| Net interest income | $1,576,000 | 8,881 |
| Provision for loan and lease losses | $196,000 | 3,972 |
| Total noninterest income | $519,000 | 5,464 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $260,000 | 4,954 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $259,000 | 4,909 |
| Total noninterest expense | $1,630,000 | 7,407 |
| Salaries and employee benefits | $637,000 | 8,500 |
| Premises and equipment expense | $364,000 | 5,080 |
| Additional noninterest expense | $629,000 | 7,089 |
| Pre-tax net operating income | $269,000 | 10,474 |
| Securities gains (losses) | $27,000 | 4,244 |
| Applicable income taxes | $62,000 | 10,653 |
| Income before extraordinary items | $234,000 | 10,229 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $234,000 | 10,358 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $271,000 | 2,614 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $212,670 | 10,264 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,580,000 | 9,762 |
| Total interest expense | $1,133,000 | 9,852 |
| Net interest income | $1,447,000 | 9,462 |
| Provision for loan and lease losses | $173,000 | 5,708 |
| Total noninterest income | $287,000 | 7,903 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $225,000 | 5,527 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $62,000 | 9,701 |
| Total noninterest expense | $1,408,000 | 8,255 |
| Salaries and employee benefits | $584,000 | 8,959 |
| Premises and equipment expense | $346,000 | 5,415 |
| Additional noninterest expense | $478,000 | 8,661 |
| Pre-tax net operating income | $154,000 | 11,491 |
| Securities gains (losses) | $64,000 | 3,722 |
| Applicable income taxes | $74,000 | 10,606 |
| Income before extraordinary items | $144,000 | 11,361 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $144,000 | 11,441 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $205,000 | 4,152 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $101,760 | 11,628 |
* 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.