Home > The Central and Southern Bank of Georgia > Income and Expense

The Central and Southern Bank of Georgia, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$15,324,0002,127
Total interest expense$7,733,0001,978
Net interest income$7,591,0002,252
Provision for loan and lease losses$-300,00010,391
Total noninterest income$1,406,0002,384
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$761,0001,669
Trading account gains and fees$0224
Additional Noninterest Income$645,0002,528
Total noninterest expense$4,608,0002,814
Salaries and employee benefits$2,548,0002,657
Premises and equipment expense$826,0002,365
Additional noninterest expense$1,234,0003,292
Pre-tax net operating income$4,689,0001,582
Securities gains (losses)$8,0003,124
Applicable income taxes$1,649,0001,480
Income before extraordinary items$3,048,0001,717
Extraordinary gains, net$032
Net income$3,048,0001,717
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-399,00010,410
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$3,042,8001,650
1997-12-31 (YTD Data)Rank
Total interest income$12,014,0002,721
Total interest expense$6,090,0002,464
Net interest income$5,924,0002,938
Provision for loan and lease losses$-710,00010,880
Total noninterest income$868,0003,381
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$600,0002,184
Trading account gains and fees$0239
Additional Noninterest Income$268,0004,189
Total noninterest expense$4,323,0002,943
Salaries and employee benefits$2,604,0002,541
Premises and equipment expense$632,0003,011
Additional noninterest expense$1,087,0003,627
Pre-tax net operating income$3,179,0002,361
Securities gains (losses)$1,0003,559
Applicable income taxes$981,0002,474
Income before extraordinary items$2,199,0002,365
Extraordinary gains, net$044
Net income$2,199,0002,365
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-715,00010,892
Cash dividends$1,000,0002,147
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$2,198,3102,311
1996-12-31 (YTD Data)Rank
Total interest income$12,218,0002,719
Total interest expense$6,629,0002,326
Net interest income$5,589,0003,163
Provision for loan and lease losses$-1,016,00011,411
Total noninterest income$786,0003,762
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$550,0002,475
Trading account gains and fees$0262
Additional Noninterest Income$236,0004,706
Total noninterest expense$4,527,0002,996
Salaries and employee benefits$2,605,0002,565
Premises and equipment expense$622,0003,104
Additional noninterest expense$1,300,0003,530
Pre-tax net operating income$2,864,0002,468
Securities gains (losses)$1,0003,760
Applicable income taxes$659,0003,326
Income before extraordinary items$2,206,0002,239
Extraordinary gains, net$053
Net income$2,206,0002,239
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-970,00011,439
Cash dividends$960,0002,223
Sale, conversion, retirement of capital stock, net$0953
Net operating income$2,205,2302,185
1995-12-31 (YTD Data)Rank
Total interest income$12,371,0002,704
Total interest expense$6,671,0002,329
Net interest income$5,700,0003,118
Provision for loan and lease losses$-888,00011,920
Total noninterest income$858,0003,494
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$504,0002,705
Trading account gains and fees$0522
Additional Noninterest Income$354,0003,580
Total noninterest expense$4,915,0002,761
Salaries and employee benefits$2,663,0002,510
Premises and equipment expense$615,0003,151
Additional noninterest expense$1,637,0002,843
Pre-tax net operating income$2,531,0002,810
Securities gains (losses)$-112,00011,535
Applicable income taxes$540,0003,959
Income before extraordinary items$1,879,0002,645
Extraordinary gains, net$065
Net income$1,879,0002,644
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-782,00011,948
Cash dividends$600,0002,907
Sale, conversion, retirement of capital stock, net$0809
Net operating income$1,966,3602,522
1994-12-31 (YTD Data)Rank
Total interest income$13,362,0002,287
Total interest expense$7,302,0001,713
Net interest income$6,060,0002,970
Provision for loan and lease losses$09,146
Total noninterest income$1,248,0002,658
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$540,0002,522
Trading account gains and fees$0475
Additional Noninterest Income$708,0002,312
Total noninterest expense$5,890,0002,382
Salaries and employee benefits$2,728,0002,453
Premises and equipment expense$800,0002,527
Additional noninterest expense$2,362,0002,236
Pre-tax net operating income$1,418,0004,624
Securities gains (losses)$241,000442
Applicable income taxes$356,0005,207
Income before extraordinary items$1,303,0003,583
Extraordinary gains, net$0249
Net income$1,303,0003,591
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$424,0001,528
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,112,6104,170
1993-12-31 (YTD Data)Rank
Total interest income$16,831,0001,859
Total interest expense$9,139,0001,466
Net interest income$7,692,0002,330
Provision for loan and lease losses$1,950,000831
Total noninterest income$895,0003,652
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$555,0002,491
Trading account gains and fees$0532
Additional Noninterest Income$340,0004,178
Total noninterest expense$6,858,0002,133
Salaries and employee benefits$2,739,0002,427
Premises and equipment expense$722,0002,801
Additional noninterest expense$3,397,0001,725
Pre-tax net operating income$-221,00012,709
Securities gains (losses)$2,0006,773
Applicable income taxes$-65,00012,908
Income before extraordinary items$-154,00012,712
Extraordinary gains, net$03,149
Net income$-154,00012,729
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,337,000662
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$-155,40012,630
1992-12-31 (YTD Data)Rank
Total interest income$23,645,0001,537
Total interest expense$13,755,0001,285
Net interest income$9,890,0001,849
Provision for loan and lease losses$10,422,000355
Total noninterest income$826,0003,883
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$571,0002,421
Trading account gains and fees$0504
Additional Noninterest Income$255,0004,900
Total noninterest expense$5,023,0002,854
Salaries and employee benefits$2,089,0003,096
Premises and equipment expense$722,0002,848
Additional noninterest expense$2,212,0002,573
Pre-tax net operating income$-4,729,00013,776
Securities gains (losses)$1,272,000547
Applicable income taxes$-1,023,00013,827
Income before extraordinary items$-2,434,00013,720
Extraordinary gains, net$01,422
Net income$-2,434,00013,718
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$8,464,000373
Cash dividends$215,0004,849
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$-3,324,40013,711

* 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.