Home > The Bank of Toccoa > Income and Expense

The Bank of Toccoa, Income and Expense

2003-03-31 (YTD Data)Rank
Total interest income$1,850,0003,742
Total interest expense$602,0003,743
Net interest income$1,248,0003,690
Provision for loan and lease losses$60,0003,248
Total noninterest income$177,0004,456
Gross Fiduciary activities income$15,0001,064
Service charges on deposit accounts$87,0003,880
Trading account gains and fees$0134
Additional Noninterest Income$75,0004,475
Total noninterest expense$773,0004,472
Salaries and employee benefits$445,0004,277
Premises and equipment expense$96,0004,835
Additional noninterest expense$232,0004,473
Pre-tax net operating income$592,0003,116
Securities gains (losses)$02,891
Applicable income taxes$203,0002,671
Income before extraordinary items$389,0003,529
Extraordinary gains, net$021
Net income$389,0003,527
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$24,0003,019
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$0419
Net operating income$389,0003,355
2002-12-31 (YTD Data)Rank
Total interest income$8,348,0003,522
Total interest expense$2,991,0003,549
Net interest income$5,357,0003,457
Provision for loan and lease losses$180,0004,547
Total noninterest income$703,0004,323
Gross Fiduciary activities income$50,0001,111
Service charges on deposit accounts$424,0003,389
Trading account gains and fees$0153
Additional Noninterest Income$229,0004,760
Total noninterest expense$2,848,0004,634
Salaries and employee benefits$1,609,0004,440
Premises and equipment expense$409,0004,569
Additional noninterest expense$830,0004,799
Pre-tax net operating income$3,032,0002,484
Securities gains (losses)$04,537
Applicable income taxes$1,094,0002,076
Income before extraordinary items$1,938,0002,874
Extraordinary gains, net$070
Net income$1,938,0002,872
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$103,0004,113
Cash dividends$950,0002,348
Sale, conversion, retirement of capital stock, net$0862
Net operating income$1,938,0002,783
2001-12-31 (YTD Data)Rank
Total interest income$9,894,0003,347
Total interest expense$4,537,0003,427
Net interest income$5,357,0003,249
Provision for loan and lease losses$100,0005,578
Total noninterest income$686,0004,241
Gross Fiduciary activities income$74,0001,061
Service charges on deposit accounts$450,0003,100
Trading account gains and fees$0177
Additional Noninterest Income$162,0005,371
Total noninterest expense$2,675,0004,731
Salaries and employee benefits$1,519,0004,467
Premises and equipment expense$396,0004,632
Additional noninterest expense$760,0004,968
Pre-tax net operating income$3,268,0002,091
Securities gains (losses)$04,612
Applicable income taxes$1,162,0001,867
Income before extraordinary items$2,106,0002,414
Extraordinary gains, net$0105
Net income$2,106,0002,418
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$106,0003,961
Cash dividends$1,000,0002,212
Sale, conversion, retirement of capital stock, net$0922
Net operating income$2,106,0002,334
2000-12-31 (YTD Data)Rank
Total interest income$10,373,0003,303
Total interest expense$4,606,0003,547
Net interest income$5,767,0003,061
Provision for loan and lease losses$309,0002,772
Total noninterest income$671,0004,113
Gross Fiduciary activities income$48,0001,056
Service charges on deposit accounts$421,0003,116
Trading account gains and fees$0180
Additional Noninterest Income$202,0004,785
Total noninterest expense$2,581,0004,745
Salaries and employee benefits$1,533,0004,288
Premises and equipment expense$347,0004,960
Additional noninterest expense$701,0005,169
Pre-tax net operating income$3,548,0002,056
Securities gains (losses)$01,956
Applicable income taxes$1,288,0001,714
Income before extraordinary items$2,260,0002,281
Extraordinary gains, net$038
Net income$2,260,0002,281
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$179,0002,582
Cash dividends$1,150,0002,057
Sale, conversion, retirement of capital stock, net$0969
Net operating income$2,260,0002,291
1999-12-31 (YTD Data)Rank
Total interest income$9,650,0003,323
Total interest expense$3,861,0003,693
Net interest income$5,789,0003,019
Provision for loan and lease losses$233,0003,243
Total noninterest income$738,0003,828
Gross Fiduciary activities income$60,0001,076
Service charges on deposit accounts$477,0002,737
Trading account gains and fees$0173
Additional Noninterest Income$201,0004,932
Total noninterest expense$2,689,0004,613
Salaries and employee benefits$1,627,0004,063
Premises and equipment expense$376,0004,727
Additional noninterest expense$686,0005,317
Pre-tax net operating income$3,605,0002,026
Securities gains (losses)$03,155
Applicable income taxes$1,300,0001,785
Income before extraordinary items$2,305,0002,265
Extraordinary gains, net$035
Net income$2,305,0002,266
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$153,0002,815
Cash dividends$800,0002,646
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$2,305,0002,242
1998-12-31 (YTD Data)Rank
Total interest income$9,767,0003,310
Total interest expense$4,218,0003,516
Net interest income$5,549,0003,096
Provision for loan and lease losses$475,0001,800
Total noninterest income$750,0003,785
Gross Fiduciary activities income$43,0001,135
Service charges on deposit accounts$531,0002,413
Trading account gains and fees$0224
Additional Noninterest Income$176,0005,282
Total noninterest expense$2,585,0004,658
Salaries and employee benefits$1,495,0004,244
Premises and equipment expense$362,0004,769
Additional noninterest expense$728,0005,006
Pre-tax net operating income$3,239,0002,212
Securities gains (losses)$04,449
Applicable income taxes$1,167,0002,049
Income before extraordinary items$2,072,0002,473
Extraordinary gains, net$032
Net income$2,072,0002,472
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$455,0001,358
Cash dividends$1,000,0002,191
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$2,072,0002,394
1997-12-31 (YTD Data)Rank
Total interest income$9,414,0003,437
Total interest expense$4,011,0003,668
Net interest income$5,403,0003,246
Provision for loan and lease losses$226,0003,180
Total noninterest income$737,0003,811
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$461,0002,835
Trading account gains and feesNANA
Additional Noninterest Income$276,0004,114
Total noninterest expense$2,703,0004,472
Salaries and employee benefits$1,616,0003,986
Premises and equipment expense$384,0004,589
Additional noninterest expense$703,0005,202
Pre-tax net operating income$3,211,0002,335
Securities gains (losses)$03,944
Applicable income taxes$1,155,0002,162
Income before extraordinary items$2,056,0002,523
Extraordinary gains, net$044
Net income$2,056,0002,522
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$46,0005,298
Cash dividends$900,0002,364
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$2,056,0002,472
1996-12-31 (YTD Data)Rank
Total interest income$8,174,0003,956
Total interest expense$3,328,0004,374
Net interest income$4,846,0003,634
Provision for loan and lease losses$283,0002,703
Total noninterest income$687,0004,168
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$425,0003,165
Trading account gains and feesNANA
Additional Noninterest Income$262,0004,411
Total noninterest expense$2,444,0005,090
Salaries and employee benefits$1,441,0004,476
Premises and equipment expense$391,0004,619
Additional noninterest expense$612,0006,283
Pre-tax net operating income$2,806,0002,504
Securities gains (losses)$04,148
Applicable income taxes$967,0002,426
Income before extraordinary items$1,839,0002,642
Extraordinary gains, net$053
Net income$1,839,0002,644
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$83,0004,297
Cash dividends$850,0002,385
Sale, conversion, retirement of capital stock, net$0953
Net operating income$1,839,0002,603
1995-12-31 (YTD Data)Rank
Total interest income$7,404,0004,332
Total interest expense$2,955,0004,835
Net interest income$4,449,0003,950
Provision for loan and lease losses$106,0004,474
Total noninterest income$638,0004,380
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$419,0003,211
Trading account gains and feesNANA
Additional Noninterest Income$219,0004,857
Total noninterest expense$2,402,0005,171
Salaries and employee benefits$1,418,0004,512
Premises and equipment expense$367,0004,861
Additional noninterest expense$617,0006,425
Pre-tax net operating income$2,579,0002,761
Securities gains (losses)$03,831
Applicable income taxes$856,0002,721
Income before extraordinary items$1,723,0002,863
Extraordinary gains, net$065
Net income$1,723,0002,861
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$16,0006,953
Cash dividends$750,0002,525
Sale, conversion, retirement of capital stock, net$0809
Net operating income$1,723,0002,825
1994-12-31 (YTD Data)Rank
Total interest income$6,201,0004,721
Total interest expense$2,109,0005,365
Net interest income$4,092,0004,288
Provision for loan and lease losses$91,0004,757
Total noninterest income$699,0004,125
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$418,0003,254
Trading account gains and feesNANA
Additional Noninterest Income$281,0004,285
Total noninterest expense$2,447,0005,253
Salaries and employee benefits$1,422,0004,491
Premises and equipment expense$402,0004,567
Additional noninterest expense$623,0006,866
Pre-tax net operating income$2,253,0003,101
Securities gains (losses)$03,600
Applicable income taxes$749,0002,932
Income before extraordinary items$1,504,0003,167
Extraordinary gains, net$0249
Net income$1,504,0003,179
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$21,0006,562
Cash dividends$650,0002,652
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,504,0003,194
1993-12-31 (YTD Data)Rank
Total interest income$5,948,0004,989
Total interest expense$2,118,0005,566
Net interest income$3,830,0004,581
Provision for loan and lease losses$160,0004,468
Total noninterest income$591,0005,008
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$410,0003,367
Trading account gains and feesNANA
Additional Noninterest Income$181,0005,974
Total noninterest expense$2,354,0005,549
Salaries and employee benefits$1,340,0004,748
Premises and equipment expense$348,0005,260
Additional noninterest expense$666,0006,817
Pre-tax net operating income$1,907,0003,472
Securities gains (losses)$2,0006,773
Applicable income taxes$601,0003,601
Income before extraordinary items$1,308,0003,685
Extraordinary gains, net$03,149
Net income$1,308,0003,801
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$100,0004,557
Cash dividends$570,0002,775
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$1,306,6203,501
1992-12-31 (YTD Data)Rank
Total interest income$6,340,0005,242
Total interest expense$2,781,0005,501
Net interest income$3,559,0004,934
Provision for loan and lease losses$189,0005,383
Total noninterest income$593,0005,000
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$384,0003,623
Trading account gains and feesNANA
Additional Noninterest Income$209,0005,520
Total noninterest expense$2,369,0005,549
Salaries and employee benefits$1,366,0004,611
Premises and equipment expense$402,0004,771
Additional noninterest expense$601,0007,506
Pre-tax net operating income$1,594,0003,817
Securities gains (losses)$8,0006,653
Applicable income taxes$456,0004,314
Income before extraordinary items$1,146,0003,975
Extraordinary gains, net$01,422
Net income$1,146,0004,017
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$124,0005,361
Cash dividends$200,0004,982
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$1,140,2403,707

* 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.