Home > Lanier Bank & Trust Company > Income and Expense
Lanier Bank & Trust Company, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,890,000 | 5,893 |
| Total interest expense | $1,935,000 | 6,392 |
| Net interest income | $2,955,000 | 5,363 |
| Provision for loan and lease losses | $-120,000 | 10,788 |
| Total noninterest income | $559,000 | 4,643 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $451,000 | 2,885 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $108,000 | 6,568 |
| Total noninterest expense | $2,412,000 | 4,926 |
| Salaries and employee benefits | $1,393,000 | 4,525 |
| Premises and equipment expense | $295,000 | 5,499 |
| Additional noninterest expense | $724,000 | 5,091 |
| Pre-tax net operating income | $1,222,000 | 5,180 |
| Securities gains (losses) | $5,000 | 2,787 |
| Applicable income taxes | $427,000 | 4,685 |
| Income before extraordinary items | $800,000 | 5,465 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $800,000 | 5,468 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 5,177 |
| Cash dividends | $192,000 | 5,504 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $796,750 | 5,423 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,493,000 | 6,406 |
| Total interest expense | $1,755,000 | 6,948 |
| Net interest income | $2,738,000 | 5,824 |
| Provision for loan and lease losses | $-50,000 | 11,188 |
| Total noninterest income | $505,000 | 5,121 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $445,000 | 3,043 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $60,000 | 8,463 |
| Total noninterest expense | $2,172,000 | 5,594 |
| Salaries and employee benefits | $1,292,000 | 4,879 |
| Premises and equipment expense | $265,000 | 6,035 |
| Additional noninterest expense | $615,000 | 6,264 |
| Pre-tax net operating income | $1,121,000 | 5,343 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $332,000 | 5,503 |
| Income before extraordinary items | $789,000 | 5,360 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $789,000 | 5,363 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 8,146 |
| Cash dividends | $114,000 | 6,489 |
| Sale, conversion, retirement of capital stock, net | $30,000 | 777 |
| Net operating income | $789,000 | 5,298 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,436,000 | 6,528 |
| Total interest expense | $1,656,000 | 7,260 |
| Net interest income | $2,780,000 | 5,843 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $420,000 | 5,807 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $377,000 | 3,544 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $43,000 | 9,575 |
| Total noninterest expense | $2,140,000 | 5,701 |
| Salaries and employee benefits | $1,231,000 | 5,094 |
| Premises and equipment expense | $274,000 | 6,002 |
| Additional noninterest expense | $635,000 | 6,299 |
| Pre-tax net operating income | $1,060,000 | 5,747 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $358,000 | 5,348 |
| Income before extraordinary items | $702,000 | 5,980 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $702,000 | 5,979 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $159,000 | 2,898 |
| Cash dividends | $73,000 | 7,347 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $702,000 | 5,963 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,413,000 | 7,464 |
| Total interest expense | $1,194,000 | 7,930 |
| Net interest income | $2,219,000 | 7,045 |
| Provision for loan and lease losses | $-105,000 | 12,186 |
| Total noninterest income | $417,000 | 5,987 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $347,000 | 3,871 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $70,000 | 8,653 |
| Total noninterest expense | $2,058,000 | 6,049 |
| Salaries and employee benefits | $1,088,000 | 5,689 |
| Premises and equipment expense | $274,000 | 6,096 |
| Additional noninterest expense | $696,000 | 6,347 |
| Pre-tax net operating income | $683,000 | 7,501 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $231,000 | 6,821 |
| Income before extraordinary items | $452,000 | 7,685 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $452,000 | 7,697 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 3,652 |
| Cash dividends | $41,000 | 8,152 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $452,000 | 7,733 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,308,000 | 7,825 |
| Total interest expense | $1,293,000 | 7,909 |
| Net interest income | $2,015,000 | 7,629 |
| Provision for loan and lease losses | $-208,000 | 13,049 |
| Total noninterest income | $411,000 | 6,363 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $336,000 | 4,020 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $75,000 | 8,845 |
| Total noninterest expense | $2,184,000 | 5,903 |
| Salaries and employee benefits | $981,000 | 6,237 |
| Premises and equipment expense | $273,000 | 6,295 |
| Additional noninterest expense | $930,000 | 5,234 |
| Pre-tax net operating income | $450,000 | 9,029 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $136,000 | 8,950 |
| Income before extraordinary items | $314,000 | 9,317 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $314,000 | 9,486 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $146,000 | 3,739 |
| Cash dividends | $39,000 | 8,269 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $314,000 | 9,062 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,869,000 | 7,682 |
| Total interest expense | $1,865,000 | 7,439 |
| Net interest income | $2,004,000 | 7,751 |
| Provision for loan and lease losses | $50,000 | 9,026 |
| Total noninterest income | $326,000 | 7,394 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $283,000 | 4,659 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $43,000 | 10,841 |
| Total noninterest expense | $2,003,000 | 6,379 |
| Salaries and employee benefits | $935,000 | 6,418 |
| Premises and equipment expense | $290,000 | 6,114 |
| Additional noninterest expense | $778,000 | 6,226 |
| Pre-tax net operating income | $277,000 | 10,360 |
| Securities gains (losses) | $104,000 | 2,949 |
| Applicable income taxes | $130,000 | 9,108 |
| Income before extraordinary items | $251,000 | 9,909 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $251,000 | 10,054 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $478,000 | 2,535 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $182,360 | 10,503 |
* 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.