Home > Monogram Credit Card Bank of Georgia > Income and Expense

Monogram Credit Card Bank of Georgia, Income and Expense

2004-12-31 (YTD Data)		Rank
Total interest income	$638,524,000	86
Total interest expense	$20,136,000	422
Net interest income	$618,388,000	64
Provision for loan and lease losses	$380,987,000	16
Total noninterest income	$1,394,533,000	29
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$0	7,912
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,394,533,000	23
Total noninterest expense	$716,612,000	54
Salaries and employee benefits	$7,078,000	1,237
Premises and equipment expense	$0	8,943
Additional noninterest expense	$709,534,000	29
Pre-tax net operating income	$915,322,000	36
Securities gains (losses)	$0	3,819
Applicable income taxes	$338,220,000	35
Income before extraordinary items	$577,102,000	40
Extraordinary gains, net	$0	34
Net income	$577,102,000	40
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$260,997,000	21
Cash dividends	$1,000,000,000	14
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$577,102,000	38
2004-09-30 (YTD Data)		Rank
Total interest income	$540,496,000	78
Total interest expense	$12,180,000	503
Net interest income	$528,316,000	61
Provision for loan and lease losses	$241,113,000	18
Total noninterest income	$957,276,000	32
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$0	7,933
Trading account gains and fees	$0	134
Additional Noninterest Income	$957,276,000	24
Total noninterest expense	$513,239,000	59
Salaries and employee benefits	$4,941,000	1,333
Premises and equipment expense	$0	8,990
Additional noninterest expense	$508,298,000	33
Pre-tax net operating income	$731,240,000	35
Securities gains (losses)	$0	3,710
Applicable income taxes	$270,206,000	34
Income before extraordinary items	$461,034,000	39
Extraordinary gains, net	$0	26
Net income	$461,034,000	39
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$184,833,000	22
Cash dividends	$1,000,000,000	10
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$461,034,000	36
2004-06-30 (YTD Data)		Rank
Total interest income	$411,935,000	73
Total interest expense	$7,902,000	504
Net interest income	$404,033,000	56
Provision for loan and lease losses	$162,258,000	18
Total noninterest income	$615,873,000	34
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$0	7,979
Trading account gains and fees	$0	130
Additional Noninterest Income	$615,873,000	26
Total noninterest expense	$319,038,000	66
Salaries and employee benefits	$3,433,000	1,278
Premises and equipment expense	$0	9,049
Additional noninterest expense	$315,605,000	34
Pre-tax net operating income	$538,610,000	34
Securities gains (losses)	$0	3,413
Applicable income taxes	$205,202,000	32
Income before extraordinary items	$333,408,000	38
Extraordinary gains, net	$0	21
Net income	$333,408,000	38
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$134,537,000	23
Cash dividends	$1,000,000,000	5
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$333,408,000	36
2004-03-31 (YTD Data)		Rank
Total interest income	$200,052,000	72
Total interest expense	$4,430,000	473
Net interest income	$195,622,000	56
Provision for loan and lease losses	$82,333,000	16
Total noninterest income	$297,086,000	35
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$0	7,976
Trading account gains and fees	$0	121
Additional Noninterest Income	$297,086,000	28
Total noninterest expense	$164,029,000	62
Salaries and employee benefits	$1,603,000	1,384
Premises and equipment expense	$0	9,081
Additional noninterest expense	$162,426,000	33
Pre-tax net operating income	$246,346,000	34
Securities gains (losses)	$0	2,934
Applicable income taxes	$91,063,000	31
Income before extraordinary items	$155,283,000	39
Extraordinary gains, net	$0	16
Net income	$155,283,000	39
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$77,769,000	23
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$155,283,000	37
2003-12-31 (YTD Data)		Rank
Total interest income	$871,302,000	66
Total interest expense	$38,821,000	266
Net interest income	$832,481,000	50
Provision for loan and lease losses	$140,969,000	42
Total noninterest income	$1,153,413,000	35
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$0	8,063
Trading account gains and fees	$0	160
Additional Noninterest Income	$1,153,413,000	26
Total noninterest expense	$479,179,000	82
Salaries and employee benefits	$4,587,000	1,876
Premises and equipment expense	$0	9,148
Additional noninterest expense	$474,592,000	44
Pre-tax net operating income	$1,365,746,000	25
Securities gains (losses)	$0	4,500
Applicable income taxes	$504,645,000	23
Income before extraordinary items	$861,101,000	25
Extraordinary gains, net	$0	54
Net income	$861,101,000	25
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$201,032,000	34
Cash dividends	$10,037,224,000	1
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$861,101,000	24
2003-09-30 (YTD Data)		Rank
Total interest income	$588,187,000	69
Total interest expense	$26,059,000	305
Net interest income	$562,128,000	55
Provision for loan and lease losses	$54,340,000	71
Total noninterest income	$740,570,000	39
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$0	8,111
Trading account gains and fees	$0	153
Additional Noninterest Income	$740,570,000	33
Total noninterest expense	$356,991,000	83
Salaries and employee benefits	$2,916,000	2,188
Premises and equipment expense	$0	9,202
Additional noninterest expense	$354,075,000	43
Pre-tax net operating income	$891,367,000	27
Securities gains (losses)	$0	4,204
Applicable income taxes	$329,339,000	27
Income before extraordinary items	$562,028,000	28
Extraordinary gains, net	$0	40
Net income	$562,028,000	28
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$139,722,000	35
Cash dividends	$7,937,224,000	1
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$562,028,000	28
2003-06-30 (YTD Data)		Rank
Total interest income	$347,370,000	83
Total interest expense	$14,004,000	374
Net interest income	$333,366,000	62
Provision for loan and lease losses	$-313,000	9,234
Total noninterest income	$375,001,000	46
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$0	8,133
Trading account gains and fees	$0	150
Additional Noninterest Income	$375,001,000	37
Total noninterest expense	$178,187,000	95
Salaries and employee benefits	$1,395,000	2,976
Premises and equipment expense	$0	9,227
Additional noninterest expense	$176,792,000	51
Pre-tax net operating income	$530,493,000	29
Securities gains (losses)	$0	3,782
Applicable income taxes	$196,171,000	28
Income before extraordinary items	$334,322,000	33
Extraordinary gains, net	$0	30
Net income	$334,322,000	33
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$68,952,000	45
Cash dividends	$7,937,224,000	1
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$334,322,000	33
2003-03-31 (YTD Data)		Rank
Total interest income	$50,496,000	201
Total interest expense	$5,851,000	441
Net interest income	$44,645,000	167
Provision for loan and lease losses	$4,861,000	143
Total noninterest income	$81,603,000	77
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$0	8,142
Trading account gains and fees	$0	134
Additional Noninterest Income	$81,603,000	60
Total noninterest expense	$37,144,000	174
Salaries and employee benefits	$349,000	5,108
Premises and equipment expense	$0	9,263
Additional noninterest expense	$36,795,000	93
Pre-tax net operating income	$84,243,000	74
Securities gains (losses)	$0	2,891
Applicable income taxes	$32,574,000	67
Income before extraordinary items	$51,669,000	78
Extraordinary gains, net	$0	21
Net income	$51,669,000	78
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,513,000	82
Cash dividends	$1,005,590,000	3
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$51,669,000	76
2002-12-31 (YTD Data)		Rank
Total interest income	$192,758,000	216
Total interest expense	$23,334,000	500
Net interest income	$169,424,000	174
Provision for loan and lease losses	$69,641,000	80
Total noninterest income	$232,623,000	94
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$0	8,205
Trading account gains and fees	$0	153
Additional Noninterest Income	$232,623,000	69
Total noninterest expense	$168,975,000	160
Salaries and employee benefits	$1,191,000	5,510
Premises and equipment expense	$-237,000	9,351
Additional noninterest expense	$168,021,000	91
Pre-tax net operating income	$163,431,000	114
Securities gains (losses)	$0	4,537
Applicable income taxes	$59,065,000	120
Income before extraordinary items	$104,366,000	129
Extraordinary gains, net	$0	70
Net income	$104,366,000	129
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$70,759,000	74
Cash dividends	$4,725,000,000	3
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$104,366,000	117
2001-12-31 (YTD Data)		Rank
Total interest income	$225,688,000	216
Total interest expense	$48,777,000	381
Net interest income	$176,911,000	166
Provision for loan and lease losses	$59,906,000	96
Total noninterest income	$190,322,000	108
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$0	8,399
Trading account gains and fees	$0	177
Additional Noninterest Income	$190,322,000	81
Total noninterest expense	$181,114,000	152
Salaries and employee benefits	$1,172,000	5,418
Premises and equipment expense	$13,000	9,542
Additional noninterest expense	$179,929,000	90
Pre-tax net operating income	$126,213,000	133
Securities gains (losses)	$0	4,612
Applicable income taxes	$48,363,000	128
Income before extraordinary items	$77,850,000	148
Extraordinary gains, net	$0	105
Net income	$77,850,000	147
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$95,280,000	67
Cash dividends	$4,795,000,000	2
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$77,850,000	143
2000-12-31 (YTD Data)		Rank
Total interest income	$309,247,000	191
Total interest expense	$92,831,000	268
Net interest income	$216,416,000	143
Provision for loan and lease losses	$74,552,000	71
Total noninterest income	$167,709,000	116
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$0	8,617
Trading account gains and fees	$0	180
Additional Noninterest Income	$167,709,000	87
Total noninterest expense	$185,440,000	154
Salaries and employee benefits	$2,038,000	3,408
Premises and equipment expense	$35,000	9,610
Additional noninterest expense	$183,367,000	94
Pre-tax net operating income	$124,133,000	130
Securities gains (losses)	$0	1,956
Applicable income taxes	$46,237,000	121
Income before extraordinary items	$77,896,000	130
Extraordinary gains, net	$0	38
Net income	$77,896,000	130
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$67,121,000	64
Cash dividends	$700,000,000	15
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$77,896,000	134
1999-12-31 (YTD Data)		Rank
Total interest income	$174,116,000	257
Total interest expense	$43,206,000	429
Net interest income	$130,910,000	197
Provision for loan and lease losses	$49,088,000	71
Total noninterest income	$119,503,000	148
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$0	8,885
Trading account gains and fees	$0	173
Additional Noninterest Income	$119,503,000	115
Total noninterest expense	$120,736,000	200
Salaries and employee benefits	$2,733,000	2,576
Premises and equipment expense	$143,000	7,784
Additional noninterest expense	$117,860,000	124
Pre-tax net operating income	$80,589,000	186
Securities gains (losses)	$0	3,155
Applicable income taxes	$31,172,000	175
Income before extraordinary items	$49,417,000	196
Extraordinary gains, net	$0	35
Net income	$49,417,000	197
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$64,555,000	60
Cash dividends	$851,721,000	15
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$49,417,000	192
1998-12-31 (YTD Data)		Rank
Total interest income	$240,712,000	204
Total interest expense	$49,710,000	398
Net interest income	$191,002,000	152
Provision for loan and lease losses	$172,254,000	32
Total noninterest income	$135,514,000	136
Gross Fiduciary activities income	$0	1,398
Service charges on deposit accounts	$0	9,085
Trading account gains and fees	$0	224
Additional Noninterest Income	$135,514,000	103
Total noninterest expense	$93,919,000	238
Salaries and employee benefits	$2,661,000	2,533
Premises and equipment expense	$202,000	6,681
Additional noninterest expense	$91,056,000	149
Pre-tax net operating income	$60,343,000	214
Securities gains (losses)	$0	4,449
Applicable income taxes	$17,588,000	231
Income before extraordinary items	$42,755,000	208
Extraordinary gains, net	$0	32
Net income	$42,755,000	209
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$135,952,000	36
Cash dividends	$540,275,000	15
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$42,755,000	201
1997-12-31 (YTD Data)		Rank
Total interest income	$463,012,000	126
Total interest expense	$63,293,000	323
Net interest income	$399,719,000	79
Provision for loan and lease losses	$153,954,000	32
Total noninterest income	$20,530,000	346
Gross Fiduciary activities income	$0	1,450
Service charges on deposit accounts	$0	9,486
Trading account gains and fees	$0	239
Additional Noninterest Income	$20,530,000	259
Total noninterest expense	$106,662,000	209
Salaries and employee benefits	$3,850,000	1,705
Premises and equipment expense	$824,000	2,352
Additional noninterest expense	$101,988,000	134
Pre-tax net operating income	$159,633,000	95
Securities gains (losses)	$0	3,944
Applicable income taxes	$63,732,000	93
Income before extraordinary items	$95,901,000	102
Extraordinary gains, net	$0	44
Net income	$95,901,000	102
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$183,751,000	27
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$95,901,000	100
1996-12-31 (YTD Data)		Rank
Total interest income	$845,065,000	77
Total interest expense	$138,693,000	206
Net interest income	$706,372,000	41
Provision for loan and lease losses	$297,765,000	13
Total noninterest income	$18,807,000	402
Gross Fiduciary activities income	$0	1,526
Service charges on deposit accounts	$0	9,915
Trading account gains and fees	$0	262
Additional Noninterest Income	$18,807,000	299
Total noninterest expense	$239,331,000	128
Salaries and employee benefits	$16,682,000	438
Premises and equipment expense	$1,178,000	1,721
Additional noninterest expense	$221,471,000	63
Pre-tax net operating income	$188,083,000	86
Securities gains (losses)	$0	4,148
Applicable income taxes	$75,112,000	75
Income before extraordinary items	$112,971,000	99
Extraordinary gains, net	$0	53
Net income	$112,971,000	98
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$205,908,000	17
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$112,971,000	96
1995-12-31 (YTD Data)		Rank
Total interest income	$525,184,000	116
Total interest expense	$123,100,000	234
Net interest income	$402,084,000	73
Provision for loan and lease losses	$144,629,000	20
Total noninterest income	$8,666,000	661
Gross Fiduciary activities income	$0	1,590
Service charges on deposit accounts	$0	10,339
Trading account gains and fees	$0	522
Additional Noninterest Income	$8,666,000	466
Total noninterest expense	$142,204,000	187
Salaries and employee benefits	$13,656,000	530
Premises and equipment expense	$396,000	4,583
Additional noninterest expense	$128,152,000	104
Pre-tax net operating income	$123,917,000	117
Securities gains (losses)	$0	3,831
Applicable income taxes	$50,480,000	104
Income before extraordinary items	$73,437,000	130
Extraordinary gains, net	$0	65
Net income	$73,437,000	129
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$132,276,000	23
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$73,437,000	130
1994-12-31 (YTD Data)		Rank
Total interest income	$373,352,000	146
Total interest expense	$63,714,000	314
Net interest income	$309,638,000	98
Provision for loan and lease losses	$100,741,000	25
Total noninterest income	$9,398,000	617
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$0	10,872
Trading account gains and fees	$0	475
Additional Noninterest Income	$9,398,000	433
Total noninterest expense	$119,478,000	214
Salaries and employee benefits	$7,301,000	935
Premises and equipment expense	$101,000	9,993
Additional noninterest expense	$112,076,000	120
Pre-tax net operating income	$98,817,000	144
Securities gains (losses)	$0	3,600
Applicable income taxes	$37,806,000	126
Income before extraordinary items	$61,011,000	158
Extraordinary gains, net	$0	249
Net income	$61,011,000	158
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$72,993,000	37
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$61,011,000	161
1993-12-31 (YTD Data)		Rank
Total interest income	$247,953,000	193
Total interest expense	$21,241,000	682
Net interest income	$226,712,000	123
Provision for loan and lease losses	$57,881,000	61
Total noninterest income	$4,945,000	990
Gross Fiduciary activities income	$0	1,630
Service charges on deposit accounts	$0	11,351
Trading account gains and fees	$0	532
Additional Noninterest Income	$4,945,000	676
Total noninterest expense	$90,593,000	260
Salaries and employee benefits	$4,691,000	1,438
Premises and equipment expense	$89,000	10,821
Additional noninterest expense	$85,813,000	146
Pre-tax net operating income	$83,183,000	145
Securities gains (losses)	$0	7,477
Applicable income taxes	$32,590,000	120
Income before extraordinary items	$50,593,000	163
Extraordinary gains, net	$0	3,149
Net income	$50,593,000	164
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$42,856,000	94
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$50,593,000	161
1992-12-31 (YTD Data)		Rank
Total interest income	$194,250,000	266
Total interest expense	$18,765,000	962
Net interest income	$175,485,000	149
Provision for loan and lease losses	$35,785,000	145
Total noninterest income	$5,938,000	863
Gross Fiduciary activities income	$0	1,658
Service charges on deposit accounts	$0	11,764
Trading account gains and fees	$0	504
Additional Noninterest Income	$5,938,000	599
Total noninterest expense	$70,386,000	312
Salaries and employee benefits	$3,918,000	1,692
Premises and equipment expense	$95,000	10,910
Additional noninterest expense	$66,373,000	185
Pre-tax net operating income	$75,252,000	113
Securities gains (losses)	$0	8,369
Applicable income taxes	$27,970,000	104
Income before extraordinary items	$47,282,000	140
Extraordinary gains, net	$0	1,422
Net income	$47,282,000	142
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$30,133,000	149
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$47,282,000	126

* 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.