Home > United Bank of Griffin > Income and Expense
United Bank of Griffin, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $9,979,000 | 3,282 |
| Total interest expense | $4,356,000 | 3,427 |
| Net interest income | $5,623,000 | 3,143 |
| Provision for loan and lease losses | $387,000 | 2,151 |
| Total noninterest income | $907,000 | 3,373 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $796,000 | 1,680 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $111,000 | 6,836 |
| Total noninterest expense | $3,888,000 | 3,430 |
| Salaries and employee benefits | $1,585,000 | 4,101 |
| Premises and equipment expense | $430,000 | 4,288 |
| Additional noninterest expense | $1,873,000 | 2,606 |
| Pre-tax net operating income | $2,255,000 | 3,089 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $773,000 | 2,937 |
| Income before extraordinary items | $1,482,000 | 3,220 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,482,000 | 3,219 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $109,000 | 3,762 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,482,000 | 3,186 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $8,804,000 | 3,687 |
| Total interest expense | $3,794,000 | 3,859 |
| Net interest income | $5,010,000 | 3,528 |
| Provision for loan and lease losses | $461,000 | 1,680 |
| Total noninterest income | $730,000 | 3,954 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $600,000 | 2,268 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $130,000 | 6,408 |
| Total noninterest expense | $3,063,000 | 4,208 |
| Salaries and employee benefits | $1,438,000 | 4,449 |
| Premises and equipment expense | $367,000 | 4,861 |
| Additional noninterest expense | $1,258,000 | 3,593 |
| Pre-tax net operating income | $2,216,000 | 3,193 |
| Securities gains (losses) | $-28,000 | 10,792 |
| Applicable income taxes | $748,000 | 3,049 |
| Income before extraordinary items | $1,440,000 | 3,367 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,440,000 | 3,366 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $158,000 | 2,910 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,458,480 | 3,303 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,822,000 | 4,321 |
| Total interest expense | $2,778,000 | 4,242 |
| Net interest income | $4,044,000 | 4,329 |
| Provision for loan and lease losses | $227,000 | 2,811 |
| Total noninterest income | $536,000 | 5,031 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $427,000 | 3,181 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $109,000 | 7,256 |
| Total noninterest expense | $2,771,000 | 4,731 |
| Salaries and employee benefits | $1,287,000 | 4,928 |
| Premises and equipment expense | $326,000 | 5,358 |
| Additional noninterest expense | $1,158,000 | 4,185 |
| Pre-tax net operating income | $1,582,000 | 4,220 |
| Securities gains (losses) | $6,000 | 2,522 |
| Applicable income taxes | $546,000 | 3,792 |
| Income before extraordinary items | $1,042,000 | 4,377 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,042,000 | 4,376 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 3,709 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,038,040 | 4,450 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,059,000 | 4,909 |
| Total interest expense | $2,687,000 | 4,530 |
| Net interest income | $3,372,000 | 5,121 |
| Provision for loan and lease losses | $163,000 | 4,438 |
| Total noninterest income | $391,000 | 6,582 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $276,000 | 4,748 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $115,000 | 7,444 |
| Total noninterest expense | $2,305,000 | 5,655 |
| Salaries and employee benefits | $1,125,000 | 5,540 |
| Premises and equipment expense | $248,000 | 6,711 |
| Additional noninterest expense | $932,000 | 5,226 |
| Pre-tax net operating income | $1,295,000 | 4,876 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $451,000 | 4,580 |
| Income before extraordinary items | $844,000 | 5,338 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $844,000 | 5,483 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 5,209 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $844,000 | 5,112 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,986,000 | 5,503 |
| Total interest expense | $3,197,000 | 4,887 |
| Net interest income | $2,789,000 | 6,065 |
| Provision for loan and lease losses | $154,000 | 6,013 |
| Total noninterest income | $798,000 | 3,982 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $206,000 | 5,877 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $592,000 | 2,840 |
| Total noninterest expense | $2,012,000 | 6,354 |
| Salaries and employee benefits | $905,000 | 6,591 |
| Premises and equipment expense | $263,000 | 6,563 |
| Additional noninterest expense | $844,000 | 5,823 |
| Pre-tax net operating income | $1,421,000 | 4,256 |
| Securities gains (losses) | $23,000 | 5,402 |
| Applicable income taxes | $526,000 | 3,830 |
| Income before extraordinary items | $918,000 | 4,864 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $918,000 | 4,910 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 6,489 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $4,367,000 | 186 |
| Net operating income | $903,280 | 4,603 |
* 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.