Home > United Community Bank North Georgia > Income and Expense
United Community Bank North Georgia, Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $24,470,000 | 1,386 |
| Total interest expense | $11,586,000 | 1,399 |
| Net interest income | $12,884,000 | 1,379 |
| Provision for loan and lease losses | $322,000 | 3,063 |
| Total noninterest income | $1,547,000 | 2,456 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,041,000 | 1,435 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $506,000 | 3,114 |
| Total noninterest expense | $8,422,000 | 1,729 |
| Salaries and employee benefits | $3,923,000 | 1,914 |
| Premises and equipment expense | $831,000 | 2,536 |
| Additional noninterest expense | $3,668,000 | 1,282 |
| Pre-tax net operating income | $5,687,000 | 1,300 |
| Securities gains (losses) | $1,000 | 4,410 |
| Applicable income taxes | $1,888,000 | 1,234 |
| Income before extraordinary items | $3,800,000 | 1,426 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $3,800,000 | 1,427 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $275,000 | 2,370 |
| Cash dividends | $1,400,000 | 1,751 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $3,799,330 | 1,369 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $24,408,000 | 1,429 |
| Total interest expense | $13,541,000 | 1,289 |
| Net interest income | $10,867,000 | 1,611 |
| Provision for loan and lease losses | $922,000 | 1,140 |
| Total noninterest income | $1,529,000 | 2,311 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $848,000 | 1,633 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $681,000 | 2,409 |
| Total noninterest expense | $7,137,000 | 1,952 |
| Salaries and employee benefits | $3,330,000 | 2,147 |
| Premises and equipment expense | $912,000 | 2,262 |
| Additional noninterest expense | $2,895,000 | 1,544 |
| Pre-tax net operating income | $4,337,000 | 1,692 |
| Securities gains (losses) | $-185,000 | 9,558 |
| Applicable income taxes | $1,349,000 | 1,650 |
| Income before extraordinary items | $2,803,000 | 1,861 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,803,000 | 1,861 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 3,623 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,928,800 | 1,775 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $18,950,000 | 1,713 |
| Total interest expense | $10,532,000 | 1,421 |
| Net interest income | $8,418,000 | 2,088 |
| Provision for loan and lease losses | $685,000 | 1,345 |
| Total noninterest income | $1,311,000 | 2,518 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $832,000 | 1,586 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $479,000 | 3,035 |
| Total noninterest expense | $5,673,000 | 2,392 |
| Salaries and employee benefits | $2,827,000 | 2,483 |
| Premises and equipment expense | $740,000 | 2,738 |
| Additional noninterest expense | $2,106,000 | 2,063 |
| Pre-tax net operating income | $3,371,000 | 2,175 |
| Securities gains (losses) | $36,000 | 1,115 |
| Applicable income taxes | $1,085,000 | 2,080 |
| Income before extraordinary items | $2,322,000 | 2,250 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,322,000 | 2,251 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 4,912 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,297,520 | 2,250 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $13,524,000 | 2,403 |
| Total interest expense | $6,935,000 | 2,187 |
| Net interest income | $6,589,000 | 2,591 |
| Provision for loan and lease losses | $338,000 | 2,374 |
| Total noninterest income | $896,000 | 3,330 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $617,000 | 2,075 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $279,000 | 4,174 |
| Total noninterest expense | $4,982,000 | 2,624 |
| Salaries and employee benefits | $2,467,000 | 2,756 |
| Premises and equipment expense | $577,000 | 3,284 |
| Additional noninterest expense | $1,938,000 | 2,165 |
| Pre-tax net operating income | $2,165,000 | 3,118 |
| Securities gains (losses) | $48,000 | 1,766 |
| Applicable income taxes | $641,000 | 3,237 |
| Income before extraordinary items | $1,572,000 | 3,134 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,572,000 | 3,135 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 4,851 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,537,920 | 3,102 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $11,072,000 | 2,946 |
| Total interest expense | $5,671,000 | 2,635 |
| Net interest income | $5,401,000 | 3,248 |
| Provision for loan and lease losses | $236,000 | 3,102 |
| Total noninterest income | $696,000 | 3,983 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $503,000 | 2,609 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $193,000 | 5,044 |
| Total noninterest expense | $3,673,000 | 3,446 |
| Salaries and employee benefits | $1,874,000 | 3,506 |
| Premises and equipment expense | $481,000 | 3,839 |
| Additional noninterest expense | $1,318,000 | 3,075 |
| Pre-tax net operating income | $2,188,000 | 3,256 |
| Securities gains (losses) | $74,000 | 1,122 |
| Applicable income taxes | $654,000 | 3,436 |
| Income before extraordinary items | $1,608,000 | 3,148 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,608,000 | 3,148 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,767 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,555,460 | 3,183 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $9,538,000 | 3,420 |
| Total interest expense | $4,883,000 | 3,068 |
| Net interest income | $4,655,000 | 3,783 |
| Provision for loan and lease losses | $200,000 | 3,395 |
| Total noninterest income | $598,000 | 4,579 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $423,000 | 3,180 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $175,000 | 5,536 |
| Total noninterest expense | $3,080,000 | 4,228 |
| Salaries and employee benefits | $1,594,000 | 4,080 |
| Premises and equipment expense | $456,000 | 4,065 |
| Additional noninterest expense | $1,030,000 | 4,298 |
| Pre-tax net operating income | $1,973,000 | 3,450 |
| Securities gains (losses) | $-4,000 | 9,823 |
| Applicable income taxes | $610,000 | 3,535 |
| Income before extraordinary items | $1,359,000 | 3,497 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,359,000 | 3,496 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 5,188 |
| Cash dividends | $500,000 | 3,368 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,361,760 | 3,442 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $8,329,000 | 3,872 |
| Total interest expense | $4,572,000 | 3,269 |
| Net interest income | $3,757,000 | 4,561 |
| Provision for loan and lease losses | $171,000 | 3,386 |
| Total noninterest income | $504,000 | 5,150 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $337,000 | 3,899 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $167,000 | 5,659 |
| Total noninterest expense | $2,895,000 | 4,424 |
| Salaries and employee benefits | $1,454,000 | 4,408 |
| Premises and equipment expense | $408,000 | 4,468 |
| Additional noninterest expense | $1,033,000 | 4,235 |
| Pre-tax net operating income | $1,195,000 | 5,255 |
| Securities gains (losses) | $-1,000 | 9,017 |
| Applicable income taxes | $292,000 | 6,108 |
| Income before extraordinary items | $902,000 | 4,989 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $902,000 | 4,988 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 5,140 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $902,760 | 4,963 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,568,000 | 4,484 |
| Total interest expense | $3,140,000 | 3,793 |
| Net interest income | $3,428,000 | 5,027 |
| Provision for loan and lease losses | $215,000 | 2,891 |
| Total noninterest income | $423,000 | 5,920 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $304,000 | 4,313 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $119,000 | 6,953 |
| Total noninterest expense | $2,227,000 | 5,680 |
| Salaries and employee benefits | $1,192,000 | 5,265 |
| Premises and equipment expense | $273,000 | 6,120 |
| Additional noninterest expense | $762,000 | 5,925 |
| Pre-tax net operating income | $1,409,000 | 4,649 |
| Securities gains (losses) | $21,000 | 1,738 |
| Applicable income taxes | $352,000 | 5,249 |
| Income before extraordinary items | $1,078,000 | 4,251 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,078,000 | 4,252 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 4,047 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,062,250 | 4,359 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,498,000 | 5,333 |
| Total interest expense | $2,699,000 | 4,517 |
| Net interest income | $2,799,000 | 5,978 |
| Provision for loan and lease losses | $132,000 | 4,966 |
| Total noninterest income | $403,000 | 6,439 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $310,000 | 4,297 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $93,000 | 8,112 |
| Total noninterest expense | $2,053,000 | 6,196 |
| Salaries and employee benefits | $1,053,000 | 5,858 |
| Premises and equipment expense | $195,000 | 7,784 |
| Additional noninterest expense | $805,000 | 5,899 |
| Pre-tax net operating income | $1,017,000 | 5,828 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $321,000 | 5,826 |
| Income before extraordinary items | $696,000 | 6,140 |
| Extraordinary gains, net | $134,000 | 1,335 |
| Net income | $830,000 | 5,552 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 6,815 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $696,000 | 5,864 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,029,000 | 6,358 |
| Total interest expense | $2,814,000 | 5,461 |
| Net interest income | $2,215,000 | 7,211 |
| Provision for loan and lease losses | $38,000 | 9,593 |
| Total noninterest income | $336,000 | 7,273 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $254,000 | 5,066 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $82,000 | 8,755 |
| Total noninterest expense | $1,852,000 | 6,791 |
| Salaries and employee benefits | $948,000 | 6,342 |
| Premises and equipment expense | $138,000 | 9,460 |
| Additional noninterest expense | $766,000 | 6,306 |
| Pre-tax net operating income | $661,000 | 7,312 |
| Securities gains (losses) | $9,000 | 6,537 |
| Applicable income taxes | $199,000 | 7,581 |
| Income before extraordinary items | $471,000 | 7,573 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $471,000 | 7,676 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $95,000 | 6,045 |
| Cash dividends | $55,000 | 7,563 |
| Sale, conversion, retirement of capital stock, net | $95,000 | 843 |
| Net operating income | $464,700 | 7,270 |
* 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.