Home > The Bank of Spalding County > Income and Expense
The Bank of Spalding County, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,959,000 | 5,709 |
| Total interest expense | $2,557,000 | 5,283 |
| Net interest income | $2,402,000 | 5,988 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $293,000 | 6,555 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $232,000 | 4,727 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $61,000 | 7,768 |
| Total noninterest expense | $1,555,000 | 6,530 |
| Salaries and employee benefits | $747,000 | 6,938 |
| Premises and equipment expense | $266,000 | 5,757 |
| Additional noninterest expense | $542,000 | 6,154 |
| Pre-tax net operating income | $1,140,000 | 5,041 |
| Securities gains (losses) | $321,000 | 716 |
| Applicable income taxes | $526,000 | 3,718 |
| Income before extraordinary items | $935,000 | 4,702 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $935,000 | 4,702 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 4,320 |
| Cash dividends | $10,000 | 7,368 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $729,560 | 5,375 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,378,000 | 5,500 |
| Total interest expense | $2,572,000 | 5,308 |
| Net interest income | $2,806,000 | 5,567 |
| Provision for loan and lease losses | $605,000 | 1,499 |
| Total noninterest income | $343,000 | 6,225 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $263,000 | 4,486 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $80,000 | 7,372 |
| Total noninterest expense | $1,780,000 | 6,115 |
| Salaries and employee benefits | $724,000 | 7,180 |
| Premises and equipment expense | $275,000 | 5,729 |
| Additional noninterest expense | $781,000 | 4,814 |
| Pre-tax net operating income | $764,000 | 6,711 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $263,000 | 6,125 |
| Income before extraordinary items | $501,000 | 6,968 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $501,000 | 6,971 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $257,000 | 2,169 |
| Cash dividends | $313,000 | 4,459 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $501,000 | 6,898 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,555,000 | 5,478 |
| Total interest expense | $2,673,000 | 5,270 |
| Net interest income | $2,882,000 | 5,608 |
| Provision for loan and lease losses | $145,000 | 4,158 |
| Total noninterest income | $361,000 | 6,314 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $268,000 | 4,572 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $93,000 | 7,355 |
| Total noninterest expense | $1,803,000 | 6,378 |
| Salaries and employee benefits | $853,000 | 6,694 |
| Premises and equipment expense | $259,000 | 6,120 |
| Additional noninterest expense | $691,000 | 5,796 |
| Pre-tax net operating income | $1,295,000 | 4,840 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $458,000 | 4,444 |
| Income before extraordinary items | $837,000 | 5,130 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $837,000 | 5,129 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 3,846 |
| Cash dividends | $390,000 | 3,980 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $837,000 | 5,073 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,469,000 | 5,612 |
| Total interest expense | $2,629,000 | 5,344 |
| Net interest income | $2,840,000 | 5,747 |
| Provision for loan and lease losses | $90,000 | 4,814 |
| Total noninterest income | $402,000 | 5,973 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $235,000 | 5,124 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $167,000 | 5,659 |
| Total noninterest expense | $1,933,000 | 6,146 |
| Salaries and employee benefits | $925,000 | 6,435 |
| Premises and equipment expense | $223,000 | 6,784 |
| Additional noninterest expense | $785,000 | 5,333 |
| Pre-tax net operating income | $1,219,000 | 5,190 |
| Securities gains (losses) | $-1,000 | 9,017 |
| Applicable income taxes | $437,000 | 4,622 |
| Income before extraordinary items | $781,000 | 5,537 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $781,000 | 5,534 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 6,109 |
| Cash dividends | $475,000 | 3,477 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $781,640 | 5,522 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,489,000 | 6,156 |
| Total interest expense | $1,938,000 | 5,747 |
| Net interest income | $2,551,000 | 6,364 |
| Provision for loan and lease losses | $171,000 | 3,347 |
| Total noninterest income | $303,000 | 7,201 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $238,000 | 5,221 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $65,000 | 8,873 |
| Total noninterest expense | $1,946,000 | 6,350 |
| Salaries and employee benefits | $903,000 | 6,610 |
| Premises and equipment expense | $194,000 | 7,568 |
| Additional noninterest expense | $849,000 | 5,429 |
| Pre-tax net operating income | $737,000 | 7,206 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $253,000 | 6,490 |
| Income before extraordinary items | $484,000 | 7,434 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $484,000 | 7,439 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $143,000 | 3,055 |
| Cash dividends | $1,100,000 | 1,748 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $484,000 | 7,473 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,945,000 | 6,933 |
| Total interest expense | $1,492,000 | 7,227 |
| Net interest income | $2,453,000 | 6,636 |
| Provision for loan and lease losses | $139,000 | 4,861 |
| Total noninterest income | $353,000 | 6,983 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $277,000 | 4,737 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $76,000 | 8,800 |
| Total noninterest expense | $1,816,000 | 6,834 |
| Salaries and employee benefits | $865,000 | 6,924 |
| Premises and equipment expense | $233,000 | 7,032 |
| Additional noninterest expense | $718,000 | 6,432 |
| Pre-tax net operating income | $851,000 | 6,571 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $294,000 | 6,154 |
| Income before extraordinary items | $557,000 | 7,104 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $557,000 | 7,270 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 4,917 |
| Cash dividends | $404,000 | 3,615 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $557,000 | 6,842 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,017,000 | 7,482 |
| Total interest expense | $1,870,000 | 7,423 |
| Net interest income | $2,147,000 | 7,379 |
| Provision for loan and lease losses | $113,000 | 6,955 |
| Total noninterest income | $369,000 | 6,857 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $290,000 | 4,573 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $79,000 | 8,899 |
| Total noninterest expense | $1,655,000 | 7,385 |
| Salaries and employee benefits | $796,000 | 7,283 |
| Premises and equipment expense | $216,000 | 7,482 |
| Additional noninterest expense | $643,000 | 7,154 |
| Pre-tax net operating income | $748,000 | 6,837 |
| Securities gains (losses) | $5,000 | 7,049 |
| Applicable income taxes | $253,000 | 6,602 |
| Income before extraordinary items | $500,000 | 7,338 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $500,000 | 7,432 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 6,704 |
| Cash dividends | $103,000 | 6,504 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $496,700 | 6,977 |
* 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.