Home > The Bank of Gwinnett County > Income and Expense
The Bank of Gwinnett County, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $16,667,000 | 1,967 |
| Total interest expense | $5,760,000 | 2,597 |
| Net interest income | $10,907,000 | 1,580 |
| Provision for loan and lease losses | $260,000 | 2,876 |
| Total noninterest income | $1,101,000 | 2,820 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $780,000 | 1,664 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $321,000 | 3,779 |
| Total noninterest expense | $4,200,000 | 3,038 |
| Salaries and employee benefits | $2,690,000 | 2,467 |
| Premises and equipment expense | $428,000 | 4,211 |
| Additional noninterest expense | $1,082,000 | 3,637 |
| Pre-tax net operating income | $7,548,000 | 1,068 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $2,720,000 | 1,017 |
| Income before extraordinary items | $4,828,000 | 1,153 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $4,828,000 | 1,154 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 7,011 |
| Cash dividends | $2,400,000 | 1,117 |
| Sale, conversion, retirement of capital stock, net | $197,000 | 681 |
| Net operating income | $4,828,000 | 1,124 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $14,706,000 | 2,285 |
| Total interest expense | $5,254,000 | 2,877 |
| Net interest income | $9,452,000 | 1,888 |
| Provision for loan and lease losses | $445,000 | 1,911 |
| Total noninterest income | $1,037,000 | 3,049 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $757,000 | 1,777 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $280,000 | 4,246 |
| Total noninterest expense | $4,064,000 | 3,304 |
| Salaries and employee benefits | $2,347,000 | 2,851 |
| Premises and equipment expense | $512,000 | 3,707 |
| Additional noninterest expense | $1,205,000 | 3,766 |
| Pre-tax net operating income | $5,980,000 | 1,210 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $2,113,000 | 1,169 |
| Income before extraordinary items | $3,867,000 | 1,285 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $3,867,000 | 1,286 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 4,727 |
| Cash dividends | $700,000 | 2,732 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $3,867,000 | 1,258 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $13,600,000 | 2,457 |
| Total interest expense | $4,837,000 | 3,110 |
| Net interest income | $8,763,000 | 2,050 |
| Provision for loan and lease losses | $600,000 | 1,345 |
| Total noninterest income | $1,214,000 | 2,693 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $702,000 | 1,932 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $512,000 | 2,830 |
| Total noninterest expense | $4,299,000 | 3,117 |
| Salaries and employee benefits | $2,169,000 | 3,072 |
| Premises and equipment expense | $507,000 | 3,723 |
| Additional noninterest expense | $1,623,000 | 2,870 |
| Pre-tax net operating income | $5,078,000 | 1,485 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $1,798,000 | 1,398 |
| Income before extraordinary items | $3,280,000 | 1,555 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $3,280,000 | 1,552 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 3,739 |
| Cash dividends | $1,150,000 | 1,816 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $3,280,000 | 1,536 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $9,818,000 | 3,080 |
| Total interest expense | $3,012,000 | 3,946 |
| Net interest income | $6,806,000 | 2,653 |
| Provision for loan and lease losses | $255,000 | 2,547 |
| Total noninterest income | $848,000 | 3,524 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $651,000 | 2,077 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $197,000 | 5,329 |
| Total noninterest expense | $3,864,000 | 3,531 |
| Salaries and employee benefits | $1,843,000 | 3,536 |
| Premises and equipment expense | $621,000 | 3,168 |
| Additional noninterest expense | $1,400,000 | 3,528 |
| Pre-tax net operating income | $3,535,000 | 2,021 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $1,228,000 | 1,846 |
| Income before extraordinary items | $2,307,000 | 2,112 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,307,000 | 2,110 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 5,113 |
| Cash dividends | $437,000 | 3,529 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,307,000 | 2,134 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,370,000 | 4,701 |
| Total interest expense | $2,110,000 | 5,580 |
| Net interest income | $4,260,000 | 4,155 |
| Provision for loan and lease losses | $190,000 | 4,040 |
| Total noninterest income | $649,000 | 4,689 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $507,000 | 2,751 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $142,000 | 6,740 |
| Total noninterest expense | $2,700,000 | 4,928 |
| Salaries and employee benefits | $1,322,000 | 4,806 |
| Premises and equipment expense | $408,000 | 4,640 |
| Additional noninterest expense | $970,000 | 5,046 |
| Pre-tax net operating income | $2,019,000 | 3,280 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $655,000 | 3,324 |
| Income before extraordinary items | $1,364,000 | 3,547 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,364,000 | 3,658 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $93,000 | 4,711 |
| Cash dividends | $436,000 | 3,449 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,364,000 | 3,347 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,321,000 | 6,063 |
| Total interest expense | $2,163,000 | 6,712 |
| Net interest income | $3,158,000 | 5,484 |
| Provision for loan and lease losses | $246,000 | 4,634 |
| Total noninterest income | $502,000 | 5,629 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $393,000 | 3,551 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $109,000 | 7,780 |
| Total noninterest expense | $2,194,000 | 5,934 |
| Salaries and employee benefits | $1,089,000 | 5,623 |
| Premises and equipment expense | $280,000 | 6,282 |
| Additional noninterest expense | $825,000 | 5,918 |
| Pre-tax net operating income | $1,220,000 | 4,853 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $398,000 | 4,812 |
| Income before extraordinary items | $822,000 | 5,250 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $822,000 | 5,305 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 5,287 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $822,000 | 4,951 |
* 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.