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Lanier Community Bank, Income and Expense

2005-12-31 (YTD Data)Rank
Total interest income$5,862,0004,663
Total interest expense$2,082,0004,316
Net interest income$3,780,0004,792
Provision for loan and lease losses$474,0001,993
Total noninterest income$78,0008,163
Gross Fiduciary activities income$01,557
Service charges on deposit accounts$45,0007,154
Trading account gains and fees$0138
Additional Noninterest Income$33,0007,787
Total noninterest expense$2,298,0005,643
Salaries and employee benefits$1,410,0005,262
Premises and equipment expense$321,0005,538
Additional noninterest expense$567,0006,222
Pre-tax net operating income$1,086,0005,138
Securities gains (losses)$02,296
Applicable income taxes$202,0004,657
Income before extraordinary items$884,0005,124
Extraordinary gains, net$046
Net income$884,0005,127
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,618
Cash dividends$06,054
Sale, conversion, retirement of capital stock, net$0934
Net operating income$884,0005,090
2005-09-30 (YTD Data)Rank
Total interest income$4,076,0004,853
Total interest expense$1,406,0004,499
Net interest income$2,670,0004,986
Provision for loan and lease losses$399,0001,734
Total noninterest income$51,0008,302
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$31,0007,250
Trading account gains and fees$0126
Additional Noninterest Income$20,0007,975
Total noninterest expense$1,736,0005,588
Salaries and employee benefits$1,091,0005,127
Premises and equipment expense$241,0005,543
Additional noninterest expense$404,0006,322
Pre-tax net operating income$586,0006,068
Securities gains (losses)$02,317
Applicable income taxes$06,976
Income before extraordinary items$586,0005,507
Extraordinary gains, net$035
Net income$586,0005,510
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,144
Cash dividends$05,317
Sale, conversion, retirement of capital stock, net$0769
Net operating income$586,0005,470
2005-06-30 (YTD Data)Rank
Total interest income$2,454,0005,116
Total interest expense$761,0004,916
Net interest income$1,693,0005,124
Provision for loan and lease losses$308,0001,476
Total noninterest income$36,0008,267
Gross Fiduciary activities income$01,480
Service charges on deposit accounts$22,0007,213
Trading account gains and fees$0116
Additional Noninterest Income$14,0007,946
Total noninterest expense$1,090,0005,772
Salaries and employee benefits$675,0005,360
Premises and equipment expense$163,0005,467
Additional noninterest expense$252,0006,506
Pre-tax net operating income$331,0006,394
Securities gains (losses)$02,146
Applicable income taxes$06,961
Income before extraordinary items$331,0005,911
Extraordinary gains, net$030
Net income$331,0005,915
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,660
Cash dividends$05,072
Sale, conversion, retirement of capital stock, net$0643
Net operating income$331,0005,861
2005-03-31 (YTD Data)Rank
Total interest income$1,097,0005,458
Total interest expense$317,0005,327
Net interest income$780,0005,397
Provision for loan and lease losses$109,0001,911
Total noninterest income$21,0008,155
Gross Fiduciary activities income$01,418
Service charges on deposit accounts$10,0007,294
Trading account gains and fees$0115
Additional Noninterest Income$11,0007,631
Total noninterest expense$514,0006,005
Salaries and employee benefits$318,0005,597
Premises and equipment expense$83,0005,458
Additional noninterest expense$113,0006,832
Pre-tax net operating income$178,0006,211
Securities gains (losses)$01,685
Applicable income taxes$06,892
Income before extraordinary items$178,0005,702
Extraordinary gains, net$024
Net income$178,0005,703
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$04,728
Cash dividends$03,863
Sale, conversion, retirement of capital stock, net$0491
Net operating income$178,0005,669
2004-12-31 (YTD Data)Rank
Total interest income$3,173,0006,265
Total interest expense$889,0005,981
Net interest income$2,284,0006,268
Provision for loan and lease losses$312,0002,829
Total noninterest income$61,0008,489
Gross Fiduciary activities income$01,582
Service charges on deposit accounts$38,0007,455
Trading account gains and fees$0138
Additional Noninterest Income$23,0008,128
Total noninterest expense$1,780,0006,398
Salaries and employee benefits$1,042,0006,152
Premises and equipment expense$307,0005,616
Additional noninterest expense$431,0006,954
Pre-tax net operating income$253,0007,595
Securities gains (losses)$03,819
Applicable income taxes$07,185
Income before extraordinary items$253,0007,417
Extraordinary gains, net$034
Net income$253,0007,417
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$33,0005,148
Cash dividends$06,149
Sale, conversion, retirement of capital stock, net$0872
Net operating income$253,0007,362
2004-09-30 (YTD Data)Rank
Total interest income$2,163,0006,548
Total interest expense$602,0006,240
Net interest income$1,561,0006,523
Provision for loan and lease losses$263,0002,501
Total noninterest income$44,0008,559
Gross Fiduciary activities income$01,547
Service charges on deposit accounts$33,0007,429
Trading account gains and fees$0134
Additional Noninterest Income$11,0008,414
Total noninterest expense$1,313,0006,414
Salaries and employee benefits$769,0006,159
Premises and equipment expense$236,0005,519
Additional noninterest expense$308,0007,021
Pre-tax net operating income$29,0008,372
Securities gains (losses)$03,710
Applicable income taxes$07,220
Income before extraordinary items$29,0008,401
Extraordinary gains, net$026
Net income$29,0008,403
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,496
Cash dividends$05,363
Sale, conversion, retirement of capital stock, net$0738
Net operating income$29,0008,360
2004-06-30 (YTD Data)Rank
Total interest income$1,296,0006,853
Total interest expense$352,0006,600
Net interest income$944,0006,817
Provision for loan and lease losses$183,0002,342
Total noninterest income$27,0008,661
Gross Fiduciary activities income$01,518
Service charges on deposit accounts$20,0007,519
Trading account gains and fees$0130
Additional Noninterest Income$7,0008,495
Total noninterest expense$873,0006,468
Salaries and employee benefits$496,0006,323
Premises and equipment expense$162,0005,446
Additional noninterest expense$215,0006,963
Pre-tax net operating income$-85,0008,675
Securities gains (losses)$03,413
Applicable income taxes$07,214
Income before extraordinary items$-85,0008,707
Extraordinary gains, net$021
Net income$-85,0008,709
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,017
Cash dividends$05,087
Sale, conversion, retirement of capital stock, net$0638
Net operating income$-85,0008,678
2004-03-31 (YTD Data)Rank
Total interest income$594,0007,105
Total interest expense$169,0006,763
Net interest income$425,0007,122
Provision for loan and lease losses$66,0002,819
Total noninterest income$10,0008,794
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$7,0007,665
Trading account gains and fees$0121
Additional Noninterest Income$3,0008,561
Total noninterest expense$433,0006,527
Salaries and employee benefits$240,0006,472
Premises and equipment expense$79,0005,553
Additional noninterest expense$114,0006,822
Pre-tax net operating income$-64,0008,747
Securities gains (losses)$02,934
Applicable income taxes$07,103
Income before extraordinary items$-64,0008,777
Extraordinary gains, net$016
Net income$-64,0008,778
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,097
Cash dividends$03,841
Sale, conversion, retirement of capital stock, net$0464
Net operating income$-64,0008,744
2003-12-31 (YTD Data)Rank
Total interest income$708,0008,816
Total interest expense$310,0008,425
Net interest income$398,0008,901
Provision for loan and lease losses$308,0003,101
Total noninterest income$12,0009,046
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$8,0007,960
Trading account gains and fees$0160
Additional Noninterest Income$4,0008,931
Total noninterest expense$896,0008,087
Salaries and employee benefits$540,0007,941
Premises and equipment expense$147,0007,439
Additional noninterest expense$209,0008,385
Pre-tax net operating income$-794,0008,921
Securities gains (losses)$04,500
Applicable income taxes$07,459
Income before extraordinary items$-794,0008,992
Extraordinary gains, net$054
Net income$-794,0008,992
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,416
Cash dividends$06,283
Sale, conversion, retirement of capital stock, net$10,000,00085
Net operating income$-794,0008,941
2003-09-30 (YTD Data)Rank
Total interest income$227,0009,120
Total interest expense$130,0008,910
Net interest income$97,0009,154
Provision for loan and lease losses$170,0003,682
Total noninterest income$4,0009,145
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$2,0008,072
Trading account gains and fees$0153
Additional Noninterest Income$2,0009,035
Total noninterest expense$462,0008,625
Salaries and employee benefits$288,0008,469
Premises and equipment expense$71,0008,156
Additional noninterest expense$103,0008,875
Pre-tax net operating income$-531,0008,973
Securities gains (losses)$04,204
Applicable income taxes$07,524
Income before extraordinary items$-531,0009,034
Extraordinary gains, net$040
Net income$-531,0009,032
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,967
Cash dividends$05,519
Sale, conversion, retirement of capital stock, net$10,000,00057
Net operating income$-531,0008,981
2003-06-30 (YTD Data)Rank
Total interest income$8,0009,263
Total interest expense$3,0009,230
Net interest income$5,0009,254
Provision for loan and lease losses$20,0006,304
Total noninterest income$09,217
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$08,133
Trading account gains and fees$0150
Additional Noninterest Income$09,111
Total noninterest expense$38,0009,254
Salaries and employee benefits$36,0009,233
Premises and equipment expense$1,0009,222
Additional noninterest expense$1,0009,257
Pre-tax net operating income$-53,0008,778
Securities gains (losses)$03,782
Applicable income taxes$07,529
Income before extraordinary items$-53,0008,867
Extraordinary gains, net$030
Net income$-53,0008,868
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,535
Cash dividends$05,215
Sale, conversion, retirement of capital stock, net$10,000,00040
Net operating income$-53,0008,774

* 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.