Home > The Bank of Newnan > Income and Expense
The Bank of Newnan, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $10,066,000 | 3,214 |
| Total interest expense | $4,164,000 | 3,550 |
| Net interest income | $5,902,000 | 2,926 |
| Provision for loan and lease losses | $904,000 | 1,054 |
| Total noninterest income | $1,070,000 | 2,933 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $802,000 | 1,580 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $268,000 | 4,254 |
| Total noninterest expense | $5,149,000 | 2,524 |
| Salaries and employee benefits | $2,011,000 | 3,314 |
| Premises and equipment expense | $1,001,000 | 1,963 |
| Additional noninterest expense | $2,137,000 | 1,988 |
| Pre-tax net operating income | $919,000 | 5,676 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $281,000 | 5,359 |
| Income before extraordinary items | $638,000 | 5,872 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $638,000 | 5,871 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,253,000 | 635 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $638,000 | 5,764 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,744,000 | 3,317 |
| Total interest expense | $3,807,000 | 3,860 |
| Net interest income | $5,937,000 | 2,933 |
| Provision for loan and lease losses | $716,000 | 1,311 |
| Total noninterest income | $1,055,000 | 2,925 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $723,000 | 1,799 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $332,000 | 3,696 |
| Total noninterest expense | $3,858,000 | 3,278 |
| Salaries and employee benefits | $1,985,000 | 3,333 |
| Premises and equipment expense | $486,000 | 3,806 |
| Additional noninterest expense | $1,387,000 | 2,940 |
| Pre-tax net operating income | $2,418,000 | 2,997 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $843,000 | 2,814 |
| Income before extraordinary items | $1,575,000 | 3,216 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,575,000 | 3,216 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 4,544 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,575,000 | 3,149 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,626,000 | 4,215 |
| Total interest expense | $3,215,000 | 4,499 |
| Net interest income | $4,411,000 | 3,955 |
| Provision for loan and lease losses | $289,000 | 2,671 |
| Total noninterest income | $958,000 | 3,235 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $649,000 | 2,080 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $309,000 | 4,004 |
| Total noninterest expense | $3,182,000 | 4,107 |
| Salaries and employee benefits | $1,592,000 | 4,086 |
| Premises and equipment expense | $373,000 | 4,796 |
| Additional noninterest expense | $1,217,000 | 3,739 |
| Pre-tax net operating income | $1,898,000 | 3,545 |
| Securities gains (losses) | $29,000 | 1,716 |
| Applicable income taxes | $701,000 | 3,170 |
| Income before extraordinary items | $1,226,000 | 3,804 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,226,000 | 3,803 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $131,000 | 3,426 |
| Cash dividends | $75,000 | 7,116 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,207,440 | 3,807 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,327,000 | 4,970 |
| Total interest expense | $2,659,000 | 5,293 |
| Net interest income | $3,668,000 | 4,669 |
| Provision for loan and lease losses | $205,000 | 2,949 |
| Total noninterest income | $979,000 | 3,149 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $634,000 | 2,141 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $345,000 | 3,648 |
| Total noninterest expense | $2,798,000 | 4,536 |
| Salaries and employee benefits | $1,460,000 | 4,389 |
| Premises and equipment expense | $321,000 | 5,340 |
| Additional noninterest expense | $1,017,000 | 4,290 |
| Pre-tax net operating income | $1,644,000 | 4,123 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $600,000 | 3,659 |
| Income before extraordinary items | $1,044,000 | 4,426 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,044,000 | 4,424 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 4,045 |
| Cash dividends | $5,000 | 8,648 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,044,000 | 4,421 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,849,000 | 5,796 |
| Total interest expense | $2,052,000 | 5,490 |
| Net interest income | $2,797,000 | 5,916 |
| Provision for loan and lease losses | $138,000 | 3,794 |
| Total noninterest income | $764,000 | 3,862 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $517,000 | 2,639 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $247,000 | 4,636 |
| Total noninterest expense | $2,407,000 | 5,333 |
| Salaries and employee benefits | $1,235,000 | 5,114 |
| Premises and equipment expense | $298,000 | 5,748 |
| Additional noninterest expense | $874,000 | 5,311 |
| Pre-tax net operating income | $1,016,000 | 5,884 |
| Securities gains (losses) | $-24,000 | 10,481 |
| Applicable income taxes | $344,000 | 5,344 |
| Income before extraordinary items | $648,000 | 6,235 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $648,000 | 6,246 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 5,198 |
| Cash dividends | $3,000 | 8,892 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $663,600 | 6,196 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,964,000 | 6,917 |
| Total interest expense | $1,878,000 | 6,143 |
| Net interest income | $2,086,000 | 7,447 |
| Provision for loan and lease losses | $188,000 | 4,071 |
| Total noninterest income | $723,000 | 4,336 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $426,000 | 3,260 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $297,000 | 4,494 |
| Total noninterest expense | $2,069,000 | 6,156 |
| Salaries and employee benefits | $1,016,000 | 6,036 |
| Premises and equipment expense | $261,000 | 6,488 |
| Additional noninterest expense | $792,000 | 5,969 |
| Pre-tax net operating income | $552,000 | 8,281 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $194,000 | 7,729 |
| Income before extraordinary items | $358,000 | 8,850 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $358,000 | 9,021 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $118,000 | 4,211 |
| Cash dividends | $1,000 | 9,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $358,000 | 8,596 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,885,000 | 7,663 |
| Total interest expense | $1,952,000 | 7,220 |
| Net interest income | $1,933,000 | 7,939 |
| Provision for loan and lease losses | $220,000 | 4,962 |
| Total noninterest income | $523,000 | 5,465 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $383,000 | 3,626 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $140,000 | 6,888 |
| Total noninterest expense | $1,688,000 | 7,288 |
| Salaries and employee benefits | $790,000 | 7,318 |
| Premises and equipment expense | $210,000 | 7,616 |
| Additional noninterest expense | $688,000 | 6,833 |
| Pre-tax net operating income | $548,000 | 8,083 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $185,000 | 7,849 |
| Income before extraordinary items | $363,000 | 8,584 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $363,000 | 8,713 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 6,412 |
| Cash dividends | $31,000 | 8,190 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $363,000 | 8,219 |
* 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.