Home > Lanier National Bank > Income and Expense
Lanier National Bank, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $9,546,000 | 3,361 |
| Total interest expense | $4,369,000 | 3,331 |
| Net interest income | $5,177,000 | 3,349 |
| Provision for loan and lease losses | $150,000 | 4,234 |
| Total noninterest income | $764,000 | 3,740 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $581,000 | 2,304 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $183,000 | 5,146 |
| Total noninterest expense | $3,166,000 | 4,039 |
| Salaries and employee benefits | $1,777,000 | 3,786 |
| Premises and equipment expense | $532,000 | 3,581 |
| Additional noninterest expense | $857,000 | 4,558 |
| Pre-tax net operating income | $2,625,000 | 2,695 |
| Securities gains (losses) | $1,000 | 2,805 |
| Applicable income taxes | $735,000 | 2,811 |
| Income before extraordinary items | $1,891,000 | 2,703 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,891,000 | 2,703 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 4,227 |
| Cash dividends | $437,000 | 3,771 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,890,280 | 2,673 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $9,108,000 | 3,502 |
| Total interest expense | $4,281,000 | 3,469 |
| Net interest income | $4,827,000 | 3,516 |
| Provision for loan and lease losses | $290,000 | 2,708 |
| Total noninterest income | $734,000 | 3,849 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $543,000 | 2,372 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $191,000 | 5,083 |
| Total noninterest expense | $2,726,000 | 4,476 |
| Salaries and employee benefits | $1,575,000 | 4,086 |
| Premises and equipment expense | $409,000 | 4,355 |
| Additional noninterest expense | $742,000 | 4,932 |
| Pre-tax net operating income | $2,545,000 | 2,738 |
| Securities gains (losses) | $9,000 | 3,034 |
| Applicable income taxes | $750,000 | 2,878 |
| Income before extraordinary items | $1,804,000 | 2,788 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,804,000 | 2,789 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 4,805 |
| Cash dividends | $348,000 | 4,281 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,797,610 | 2,716 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,584,000 | 4,174 |
| Total interest expense | $3,565,000 | 4,077 |
| Net interest income | $4,019,000 | 4,223 |
| Provision for loan and lease losses | $170,000 | 3,857 |
| Total noninterest income | $655,000 | 4,170 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $527,000 | 2,493 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $128,000 | 6,110 |
| Total noninterest expense | $2,508,000 | 4,770 |
| Salaries and employee benefits | $1,410,000 | 4,478 |
| Premises and equipment expense | $389,000 | 4,540 |
| Additional noninterest expense | $709,000 | 5,170 |
| Pre-tax net operating income | $1,996,000 | 3,539 |
| Securities gains (losses) | $10,000 | 2,359 |
| Applicable income taxes | $630,000 | 3,531 |
| Income before extraordinary items | $1,376,000 | 3,620 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,376,000 | 3,621 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 5,500 |
| Cash dividends | $150,000 | 5,875 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,369,100 | 3,559 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,660,000 | 4,780 |
| Total interest expense | $3,254,000 | 4,455 |
| Net interest income | $3,406,000 | 4,939 |
| Provision for loan and lease losses | $120,000 | 4,568 |
| Total noninterest income | $557,000 | 4,795 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $438,000 | 3,079 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $119,000 | 6,619 |
| Total noninterest expense | $2,281,000 | 5,380 |
| Salaries and employee benefits | $1,269,000 | 4,951 |
| Premises and equipment expense | $363,000 | 4,903 |
| Additional noninterest expense | $649,000 | 6,038 |
| Pre-tax net operating income | $1,562,000 | 4,195 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $480,000 | 4,280 |
| Income before extraordinary items | $1,082,000 | 4,206 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,082,000 | 4,207 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 5,473 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,082,000 | 4,144 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,700,000 | 5,436 |
| Total interest expense | $2,846,000 | 5,001 |
| Net interest income | $2,854,000 | 5,726 |
| Provision for loan and lease losses | $110,000 | 4,388 |
| Total noninterest income | $495,000 | 5,228 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $331,000 | 3,953 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $164,000 | 5,723 |
| Total noninterest expense | $2,120,000 | 5,739 |
| Salaries and employee benefits | $1,111,000 | 5,557 |
| Premises and equipment expense | $358,000 | 4,945 |
| Additional noninterest expense | $651,000 | 6,191 |
| Pre-tax net operating income | $1,119,000 | 5,529 |
| Securities gains (losses) | $3,000 | 3,092 |
| Applicable income taxes | $330,000 | 5,663 |
| Income before extraordinary items | $792,000 | 5,488 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $792,000 | 5,486 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 7,275 |
| Cash dividends | $120,000 | 6,469 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $789,870 | 5,474 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,370,000 | 6,285 |
| Total interest expense | $1,930,000 | 5,769 |
| Net interest income | $2,440,000 | 6,588 |
| Provision for loan and lease losses | $100,000 | 4,522 |
| Total noninterest income | $436,000 | 5,808 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $301,000 | 4,352 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $135,000 | 6,544 |
| Total noninterest expense | $1,952,000 | 6,337 |
| Salaries and employee benefits | $972,000 | 6,229 |
| Premises and equipment expense | $311,000 | 5,548 |
| Additional noninterest expense | $669,000 | 6,546 |
| Pre-tax net operating income | $824,000 | 6,752 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $225,000 | 6,938 |
| Income before extraordinary items | $599,000 | 6,554 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $599,000 | 6,570 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 7,099 |
| Cash dividends | $135,000 | 6,330 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $599,000 | 6,605 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,770,000 | 7,158 |
| Total interest expense | $1,579,000 | 6,946 |
| Net interest income | $2,191,000 | 7,211 |
| Provision for loan and lease losses | $50,000 | 7,415 |
| Total noninterest income | $336,000 | 7,199 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $284,000 | 4,638 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $52,000 | 9,987 |
| Total noninterest expense | $1,789,000 | 6,918 |
| Salaries and employee benefits | $878,000 | 6,847 |
| Premises and equipment expense | $321,000 | 5,564 |
| Additional noninterest expense | $590,000 | 7,431 |
| Pre-tax net operating income | $688,000 | 7,429 |
| Securities gains (losses) | $-8,000 | 12,705 |
| Applicable income taxes | $182,000 | 7,971 |
| Income before extraordinary items | $498,000 | 7,579 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $498,000 | 7,766 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 5,209 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $503,840 | 7,267 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,618,000 | 8,018 |
| Total interest expense | $1,884,000 | 7,392 |
| Net interest income | $1,734,000 | 8,546 |
| Provision for loan and lease losses | $140,000 | 6,292 |
| Total noninterest income | $353,000 | 7,075 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $294,000 | 4,517 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $59,000 | 9,852 |
| Total noninterest expense | $1,738,000 | 7,156 |
| Salaries and employee benefits | $804,000 | 7,235 |
| Premises and equipment expense | $308,000 | 5,860 |
| Additional noninterest expense | $626,000 | 7,292 |
| Pre-tax net operating income | $209,000 | 10,992 |
| Securities gains (losses) | $106,000 | 2,913 |
| Applicable income taxes | $95,000 | 10,051 |
| Income before extraordinary items | $220,000 | 10,323 |
| Extraordinary gains, net | $95,000 | 773 |
| Net income | $315,000 | 9,247 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 8,164 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $145,800 | 10,994 |
* 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.