Home > The Bank of Toccoa > Income and Expense
The Bank of Toccoa, Income and Expense
2003-03-31 (YTD Data) | Rank | |
Total interest income | $1,850,000 | 3,742 |
Total interest expense | $602,000 | 3,743 |
Net interest income | $1,248,000 | 3,690 |
Provision for loan and lease losses | $60,000 | 3,248 |
Total noninterest income | $177,000 | 4,456 |
Gross Fiduciary activities income | $15,000 | 1,064 |
Service charges on deposit accounts | $87,000 | 3,880 |
Trading account gains and fees | $0 | 134 |
Additional Noninterest Income | $75,000 | 4,475 |
Total noninterest expense | $773,000 | 4,472 |
Salaries and employee benefits | $445,000 | 4,277 |
Premises and equipment expense | $96,000 | 4,835 |
Additional noninterest expense | $232,000 | 4,473 |
Pre-tax net operating income | $592,000 | 3,116 |
Securities gains (losses) | $0 | 2,891 |
Applicable income taxes | $203,000 | 2,671 |
Income before extraordinary items | $389,000 | 3,529 |
Extraordinary gains, net | $0 | 21 |
Net income | $389,000 | 3,527 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $24,000 | 3,019 |
Cash dividends | $0 | 3,930 |
Sale, conversion, retirement of capital stock, net | $0 | 419 |
Net operating income | $389,000 | 3,355 |
2002-12-31 (YTD Data) | Rank | |
Total interest income | $8,348,000 | 3,522 |
Total interest expense | $2,991,000 | 3,549 |
Net interest income | $5,357,000 | 3,457 |
Provision for loan and lease losses | $180,000 | 4,547 |
Total noninterest income | $703,000 | 4,323 |
Gross Fiduciary activities income | $50,000 | 1,111 |
Service charges on deposit accounts | $424,000 | 3,389 |
Trading account gains and fees | $0 | 153 |
Additional Noninterest Income | $229,000 | 4,760 |
Total noninterest expense | $2,848,000 | 4,634 |
Salaries and employee benefits | $1,609,000 | 4,440 |
Premises and equipment expense | $409,000 | 4,569 |
Additional noninterest expense | $830,000 | 4,799 |
Pre-tax net operating income | $3,032,000 | 2,484 |
Securities gains (losses) | $0 | 4,537 |
Applicable income taxes | $1,094,000 | 2,076 |
Income before extraordinary items | $1,938,000 | 2,874 |
Extraordinary gains, net | $0 | 70 |
Net income | $1,938,000 | 2,872 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $103,000 | 4,113 |
Cash dividends | $950,000 | 2,348 |
Sale, conversion, retirement of capital stock, net | $0 | 862 |
Net operating income | $1,938,000 | 2,783 |
2001-12-31 (YTD Data) | Rank | |
Total interest income | $9,894,000 | 3,347 |
Total interest expense | $4,537,000 | 3,427 |
Net interest income | $5,357,000 | 3,249 |
Provision for loan and lease losses | $100,000 | 5,578 |
Total noninterest income | $686,000 | 4,241 |
Gross Fiduciary activities income | $74,000 | 1,061 |
Service charges on deposit accounts | $450,000 | 3,100 |
Trading account gains and fees | $0 | 177 |
Additional Noninterest Income | $162,000 | 5,371 |
Total noninterest expense | $2,675,000 | 4,731 |
Salaries and employee benefits | $1,519,000 | 4,467 |
Premises and equipment expense | $396,000 | 4,632 |
Additional noninterest expense | $760,000 | 4,968 |
Pre-tax net operating income | $3,268,000 | 2,091 |
Securities gains (losses) | $0 | 4,612 |
Applicable income taxes | $1,162,000 | 1,867 |
Income before extraordinary items | $2,106,000 | 2,414 |
Extraordinary gains, net | $0 | 105 |
Net income | $2,106,000 | 2,418 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $106,000 | 3,961 |
Cash dividends | $1,000,000 | 2,212 |
Sale, conversion, retirement of capital stock, net | $0 | 922 |
Net operating income | $2,106,000 | 2,334 |
2000-12-31 (YTD Data) | Rank | |
Total interest income | $10,373,000 | 3,303 |
Total interest expense | $4,606,000 | 3,547 |
Net interest income | $5,767,000 | 3,061 |
Provision for loan and lease losses | $309,000 | 2,772 |
Total noninterest income | $671,000 | 4,113 |
Gross Fiduciary activities income | $48,000 | 1,056 |
Service charges on deposit accounts | $421,000 | 3,116 |
Trading account gains and fees | $0 | 180 |
Additional Noninterest Income | $202,000 | 4,785 |
Total noninterest expense | $2,581,000 | 4,745 |
Salaries and employee benefits | $1,533,000 | 4,288 |
Premises and equipment expense | $347,000 | 4,960 |
Additional noninterest expense | $701,000 | 5,169 |
Pre-tax net operating income | $3,548,000 | 2,056 |
Securities gains (losses) | $0 | 1,956 |
Applicable income taxes | $1,288,000 | 1,714 |
Income before extraordinary items | $2,260,000 | 2,281 |
Extraordinary gains, net | $0 | 38 |
Net income | $2,260,000 | 2,281 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $179,000 | 2,582 |
Cash dividends | $1,150,000 | 2,057 |
Sale, conversion, retirement of capital stock, net | $0 | 969 |
Net operating income | $2,260,000 | 2,291 |
1999-12-31 (YTD Data) | Rank | |
Total interest income | $9,650,000 | 3,323 |
Total interest expense | $3,861,000 | 3,693 |
Net interest income | $5,789,000 | 3,019 |
Provision for loan and lease losses | $233,000 | 3,243 |
Total noninterest income | $738,000 | 3,828 |
Gross Fiduciary activities income | $60,000 | 1,076 |
Service charges on deposit accounts | $477,000 | 2,737 |
Trading account gains and fees | $0 | 173 |
Additional Noninterest Income | $201,000 | 4,932 |
Total noninterest expense | $2,689,000 | 4,613 |
Salaries and employee benefits | $1,627,000 | 4,063 |
Premises and equipment expense | $376,000 | 4,727 |
Additional noninterest expense | $686,000 | 5,317 |
Pre-tax net operating income | $3,605,000 | 2,026 |
Securities gains (losses) | $0 | 3,155 |
Applicable income taxes | $1,300,000 | 1,785 |
Income before extraordinary items | $2,305,000 | 2,265 |
Extraordinary gains, net | $0 | 35 |
Net income | $2,305,000 | 2,266 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $153,000 | 2,815 |
Cash dividends | $800,000 | 2,646 |
Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
Net operating income | $2,305,000 | 2,242 |
1998-12-31 (YTD Data) | Rank | |
Total interest income | $9,767,000 | 3,310 |
Total interest expense | $4,218,000 | 3,516 |
Net interest income | $5,549,000 | 3,096 |
Provision for loan and lease losses | $475,000 | 1,800 |
Total noninterest income | $750,000 | 3,785 |
Gross Fiduciary activities income | $43,000 | 1,135 |
Service charges on deposit accounts | $531,000 | 2,413 |
Trading account gains and fees | $0 | 224 |
Additional Noninterest Income | $176,000 | 5,282 |
Total noninterest expense | $2,585,000 | 4,658 |
Salaries and employee benefits | $1,495,000 | 4,244 |
Premises and equipment expense | $362,000 | 4,769 |
Additional noninterest expense | $728,000 | 5,006 |
Pre-tax net operating income | $3,239,000 | 2,212 |
Securities gains (losses) | $0 | 4,449 |
Applicable income taxes | $1,167,000 | 2,049 |
Income before extraordinary items | $2,072,000 | 2,473 |
Extraordinary gains, net | $0 | 32 |
Net income | $2,072,000 | 2,472 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $455,000 | 1,358 |
Cash dividends | $1,000,000 | 2,191 |
Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
Net operating income | $2,072,000 | 2,394 |
1997-12-31 (YTD Data) | Rank | |
Total interest income | $9,414,000 | 3,437 |
Total interest expense | $4,011,000 | 3,668 |
Net interest income | $5,403,000 | 3,246 |
Provision for loan and lease losses | $226,000 | 3,180 |
Total noninterest income | $737,000 | 3,811 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $461,000 | 2,835 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $276,000 | 4,114 |
Total noninterest expense | $2,703,000 | 4,472 |
Salaries and employee benefits | $1,616,000 | 3,986 |
Premises and equipment expense | $384,000 | 4,589 |
Additional noninterest expense | $703,000 | 5,202 |
Pre-tax net operating income | $3,211,000 | 2,335 |
Securities gains (losses) | $0 | 3,944 |
Applicable income taxes | $1,155,000 | 2,162 |
Income before extraordinary items | $2,056,000 | 2,523 |
Extraordinary gains, net | $0 | 44 |
Net income | $2,056,000 | 2,522 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $46,000 | 5,298 |
Cash dividends | $900,000 | 2,364 |
Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
Net operating income | $2,056,000 | 2,472 |
1996-12-31 (YTD Data) | Rank | |
Total interest income | $8,174,000 | 3,956 |
Total interest expense | $3,328,000 | 4,374 |
Net interest income | $4,846,000 | 3,634 |
Provision for loan and lease losses | $283,000 | 2,703 |
Total noninterest income | $687,000 | 4,168 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $425,000 | 3,165 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $262,000 | 4,411 |
Total noninterest expense | $2,444,000 | 5,090 |
Salaries and employee benefits | $1,441,000 | 4,476 |
Premises and equipment expense | $391,000 | 4,619 |
Additional noninterest expense | $612,000 | 6,283 |
Pre-tax net operating income | $2,806,000 | 2,504 |
Securities gains (losses) | $0 | 4,148 |
Applicable income taxes | $967,000 | 2,426 |
Income before extraordinary items | $1,839,000 | 2,642 |
Extraordinary gains, net | $0 | 53 |
Net income | $1,839,000 | 2,644 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $83,000 | 4,297 |
Cash dividends | $850,000 | 2,385 |
Sale, conversion, retirement of capital stock, net | $0 | 953 |
Net operating income | $1,839,000 | 2,603 |
1995-12-31 (YTD Data) | Rank | |
Total interest income | $7,404,000 | 4,332 |
Total interest expense | $2,955,000 | 4,835 |
Net interest income | $4,449,000 | 3,950 |
Provision for loan and lease losses | $106,000 | 4,474 |
Total noninterest income | $638,000 | 4,380 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $419,000 | 3,211 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $219,000 | 4,857 |
Total noninterest expense | $2,402,000 | 5,171 |
Salaries and employee benefits | $1,418,000 | 4,512 |
Premises and equipment expense | $367,000 | 4,861 |
Additional noninterest expense | $617,000 | 6,425 |
Pre-tax net operating income | $2,579,000 | 2,761 |
Securities gains (losses) | $0 | 3,831 |
Applicable income taxes | $856,000 | 2,721 |
Income before extraordinary items | $1,723,000 | 2,863 |
Extraordinary gains, net | $0 | 65 |
Net income | $1,723,000 | 2,861 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $16,000 | 6,953 |
Cash dividends | $750,000 | 2,525 |
Sale, conversion, retirement of capital stock, net | $0 | 809 |
Net operating income | $1,723,000 | 2,825 |
1994-12-31 (YTD Data) | Rank | |
Total interest income | $6,201,000 | 4,721 |
Total interest expense | $2,109,000 | 5,365 |
Net interest income | $4,092,000 | 4,288 |
Provision for loan and lease losses | $91,000 | 4,757 |
Total noninterest income | $699,000 | 4,125 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $418,000 | 3,254 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $281,000 | 4,285 |
Total noninterest expense | $2,447,000 | 5,253 |
Salaries and employee benefits | $1,422,000 | 4,491 |
Premises and equipment expense | $402,000 | 4,567 |
Additional noninterest expense | $623,000 | 6,866 |
Pre-tax net operating income | $2,253,000 | 3,101 |
Securities gains (losses) | $0 | 3,600 |
Applicable income taxes | $749,000 | 2,932 |
Income before extraordinary items | $1,504,000 | 3,167 |
Extraordinary gains, net | $0 | 249 |
Net income | $1,504,000 | 3,179 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $21,000 | 6,562 |
Cash dividends | $650,000 | 2,652 |
Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
Net operating income | $1,504,000 | 3,194 |
1993-12-31 (YTD Data) | Rank | |
Total interest income | $5,948,000 | 4,989 |
Total interest expense | $2,118,000 | 5,566 |
Net interest income | $3,830,000 | 4,581 |
Provision for loan and lease losses | $160,000 | 4,468 |
Total noninterest income | $591,000 | 5,008 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $410,000 | 3,367 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $181,000 | 5,974 |
Total noninterest expense | $2,354,000 | 5,549 |
Salaries and employee benefits | $1,340,000 | 4,748 |
Premises and equipment expense | $348,000 | 5,260 |
Additional noninterest expense | $666,000 | 6,817 |
Pre-tax net operating income | $1,907,000 | 3,472 |
Securities gains (losses) | $2,000 | 6,773 |
Applicable income taxes | $601,000 | 3,601 |
Income before extraordinary items | $1,308,000 | 3,685 |
Extraordinary gains, net | $0 | 3,149 |
Net income | $1,308,000 | 3,801 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $100,000 | 4,557 |
Cash dividends | $570,000 | 2,775 |
Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
Net operating income | $1,306,620 | 3,501 |
1992-12-31 (YTD Data) | Rank | |
Total interest income | $6,340,000 | 5,242 |
Total interest expense | $2,781,000 | 5,501 |
Net interest income | $3,559,000 | 4,934 |
Provision for loan and lease losses | $189,000 | 5,383 |
Total noninterest income | $593,000 | 5,000 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $384,000 | 3,623 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $209,000 | 5,520 |
Total noninterest expense | $2,369,000 | 5,549 |
Salaries and employee benefits | $1,366,000 | 4,611 |
Premises and equipment expense | $402,000 | 4,771 |
Additional noninterest expense | $601,000 | 7,506 |
Pre-tax net operating income | $1,594,000 | 3,817 |
Securities gains (losses) | $8,000 | 6,653 |
Applicable income taxes | $456,000 | 4,314 |
Income before extraordinary items | $1,146,000 | 3,975 |
Extraordinary gains, net | $0 | 1,422 |
Net income | $1,146,000 | 4,017 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $124,000 | 5,361 |
Cash dividends | $200,000 | 4,982 |
Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
Net operating income | $1,140,240 | 3,707 |
* 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.