Home > Lumpkin County Bank > Income and Expense
Lumpkin County Bank, Income and Expense
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,945,000 | 5,635 |
| Total interest expense | $636,000 | 4,929 |
| Net interest income | $1,309,000 | 5,853 |
| Provision for loan and lease losses | $217,000 | 2,065 |
| Total noninterest income | $186,000 | 5,987 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $209,000 | 3,535 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $-23,000 | 9,059 |
| Total noninterest expense | $1,290,000 | 5,169 |
| Salaries and employee benefits | $534,000 | 6,060 |
| Premises and equipment expense | $139,000 | 5,891 |
| Additional noninterest expense | $617,000 | 3,664 |
| Pre-tax net operating income | $-12,000 | 8,557 |
| Securities gains (losses) | $1,000 | 3,212 |
| Applicable income taxes | $-5,000 | 8,755 |
| Income before extraordinary items | $-6,000 | 8,597 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-6,000 | 8,598 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $890,000 | 469 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-6,640 | 8,549 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $967,000 | 5,682 |
| Total interest expense | $324,000 | 4,940 |
| Net interest income | $643,000 | 5,910 |
| Provision for loan and lease losses | $67,000 | 2,811 |
| Total noninterest income | $119,000 | 5,364 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $101,000 | 3,555 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $18,000 | 6,980 |
| Total noninterest expense | $602,000 | 5,440 |
| Salaries and employee benefits | $249,000 | 6,354 |
| Premises and equipment expense | $61,000 | 6,270 |
| Additional noninterest expense | $292,000 | 3,824 |
| Pre-tax net operating income | $93,000 | 7,257 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $-12,000 | 8,870 |
| Income before extraordinary items | $105,000 | 6,792 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $105,000 | 6,794 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $852,000 | 307 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $105,000 | 6,684 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,362,000 | 5,349 |
| Total interest expense | $1,649,000 | 4,601 |
| Net interest income | $2,713,000 | 5,626 |
| Provision for loan and lease losses | $1,632,000 | 766 |
| Total noninterest income | $-659,000 | 9,174 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $414,000 | 3,567 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $-1,073,000 | 9,185 |
| Total noninterest expense | $2,333,000 | 5,467 |
| Salaries and employee benefits | $1,008,000 | 6,233 |
| Premises and equipment expense | $253,000 | 6,151 |
| Additional noninterest expense | $1,072,000 | 4,048 |
| Pre-tax net operating income | $-1,911,000 | 9,070 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $-230,000 | 9,029 |
| Income before extraordinary items | $-1,681,000 | 9,102 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-1,681,000 | 9,103 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $922,000 | 986 |
| Cash dividends | $89,000 | 5,649 |
| Sale, conversion, retirement of capital stock, net | $45,000 | 739 |
| Net operating income | $-1,681,000 | 9,063 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,323,000 | 5,365 |
| Total interest expense | $1,301,000 | 4,571 |
| Net interest income | $2,022,000 | 5,685 |
| Provision for loan and lease losses | $1,557,000 | 629 |
| Total noninterest income | $-429,000 | 9,229 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $308,000 | 3,603 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-737,000 | 9,242 |
| Total noninterest expense | $1,711,000 | 5,520 |
| Salaries and employee benefits | $790,000 | 6,043 |
| Premises and equipment expense | $185,000 | 6,208 |
| Additional noninterest expense | $736,000 | 4,325 |
| Pre-tax net operating income | $-1,675,000 | 9,143 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $-200,000 | 9,118 |
| Income before extraordinary items | $-1,475,000 | 9,169 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-1,475,000 | 9,169 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $239,000 | 1,979 |
| Cash dividends | $89,000 | 4,844 |
| Sale, conversion, retirement of capital stock, net | $45,000 | 577 |
| Net operating income | $-1,475,000 | 9,134 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,233,000 | 5,357 |
| Total interest expense | $921,000 | 4,515 |
| Net interest income | $1,312,000 | 5,757 |
| Provision for loan and lease losses | $115,000 | 3,633 |
| Total noninterest income | $249,000 | 5,468 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $199,000 | 3,639 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $50,000 | 6,576 |
| Total noninterest expense | $1,146,000 | 5,500 |
| Salaries and employee benefits | $538,000 | 5,990 |
| Premises and equipment expense | $120,000 | 6,262 |
| Additional noninterest expense | $488,000 | 4,326 |
| Pre-tax net operating income | $300,000 | 6,495 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $83,000 | 5,372 |
| Income before extraordinary items | $217,000 | 6,813 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $217,000 | 6,816 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $202,000 | 1,640 |
| Cash dividends | $59,000 | 4,677 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $217,000 | 6,611 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,096,000 | 5,458 |
| Total interest expense | $476,000 | 4,495 |
| Net interest income | $620,000 | 5,955 |
| Provision for loan and lease losses | $40,000 | 4,103 |
| Total noninterest income | $125,000 | 5,350 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $99,000 | 3,577 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $26,000 | 6,499 |
| Total noninterest expense | $542,000 | 5,692 |
| Salaries and employee benefits | $241,000 | 6,396 |
| Premises and equipment expense | $61,000 | 6,231 |
| Additional noninterest expense | $240,000 | 4,349 |
| Pre-tax net operating income | $163,000 | 6,299 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $30,000 | 5,719 |
| Income before extraordinary items | $133,000 | 6,303 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $133,000 | 6,302 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $161,000 | 1,076 |
| Cash dividends | $30,000 | 3,631 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $133,000 | 6,131 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,878,000 | 5,259 |
| Total interest expense | $2,364,000 | 4,284 |
| Net interest income | $2,514,000 | 5,895 |
| Provision for loan and lease losses | $406,000 | 2,795 |
| Total noninterest income | $448,000 | 5,499 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $362,000 | 3,782 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $86,000 | 6,748 |
| Total noninterest expense | $2,170,000 | 5,584 |
| Salaries and employee benefits | $1,030,000 | 6,024 |
| Premises and equipment expense | $248,000 | 6,176 |
| Additional noninterest expense | $892,000 | 4,573 |
| Pre-tax net operating income | $386,000 | 7,220 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $140,000 | 5,605 |
| Income before extraordinary items | $246,000 | 7,586 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $246,000 | 7,585 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $172,000 | 3,259 |
| Cash dividends | $125,000 | 5,366 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $246,000 | 7,493 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,477,000 | 5,304 |
| Total interest expense | $3,044,000 | 4,674 |
| Net interest income | $2,433,000 | 5,803 |
| Provision for loan and lease losses | $220,000 | 3,917 |
| Total noninterest income | $315,000 | 6,285 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $273,000 | 4,415 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $42,000 | 7,933 |
| Total noninterest expense | $2,163,000 | 5,447 |
| Salaries and employee benefits | $1,007,000 | 5,948 |
| Premises and equipment expense | $283,000 | 5,716 |
| Additional noninterest expense | $873,000 | 4,496 |
| Pre-tax net operating income | $365,000 | 7,135 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $106,000 | 5,939 |
| Income before extraordinary items | $259,000 | 7,382 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $259,000 | 7,384 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $187,000 | 2,979 |
| Cash dividends | $165,000 | 5,219 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 879 |
| Net operating income | $259,000 | 7,264 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,284,000 | 5,540 |
| Total interest expense | $2,551,000 | 5,488 |
| Net interest income | $2,733,000 | 5,491 |
| Provision for loan and lease losses | $146,000 | 4,464 |
| Total noninterest income | $321,000 | 6,117 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $190,000 | 5,229 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $131,000 | 5,803 |
| Total noninterest expense | $1,967,000 | 5,739 |
| Salaries and employee benefits | $1,006,000 | 5,884 |
| Premises and equipment expense | $278,000 | 5,670 |
| Additional noninterest expense | $683,000 | 5,272 |
| Pre-tax net operating income | $941,000 | 5,420 |
| Securities gains (losses) | $-3,000 | 7,730 |
| Applicable income taxes | $336,000 | 4,346 |
| Income before extraordinary items | $602,000 | 5,835 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $602,000 | 5,833 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 5,142 |
| Cash dividends | $148,000 | 5,549 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $603,920 | 5,843 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,511,000 | 5,930 |
| Total interest expense | $2,137,000 | 5,751 |
| Net interest income | $2,374,000 | 5,992 |
| Provision for loan and lease losses | $97,000 | 5,320 |
| Total noninterest income | $269,000 | 6,733 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $168,000 | 5,563 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $101,000 | 6,614 |
| Total noninterest expense | $1,782,000 | 6,116 |
| Salaries and employee benefits | $902,000 | 6,300 |
| Premises and equipment expense | $270,000 | 5,798 |
| Additional noninterest expense | $610,000 | 5,767 |
| Pre-tax net operating income | $764,000 | 6,069 |
| Securities gains (losses) | $-7,000 | 9,189 |
| Applicable income taxes | $249,000 | 5,220 |
| Income before extraordinary items | $508,000 | 6,384 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $508,000 | 6,381 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,499 |
| Cash dividends | $130,000 | 5,805 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $512,690 | 6,335 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,246,000 | 6,265 |
| Total interest expense | $2,123,000 | 5,970 |
| Net interest income | $2,123,000 | 6,448 |
| Provision for loan and lease losses | $60,000 | 6,123 |
| Total noninterest income | $251,000 | 6,996 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $181,000 | 5,420 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $70,000 | 7,479 |
| Total noninterest expense | $1,678,000 | 6,270 |
| Salaries and employee benefits | $819,000 | 6,608 |
| Premises and equipment expense | $273,000 | 5,658 |
| Additional noninterest expense | $586,000 | 5,845 |
| Pre-tax net operating income | $636,000 | 6,741 |
| Securities gains (losses) | $-3,000 | 9,968 |
| Applicable income taxes | $221,000 | 5,943 |
| Income before extraordinary items | $412,000 | 7,131 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $412,000 | 7,129 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 4,589 |
| Cash dividends | $112,000 | 6,152 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 993 |
| Net operating income | $413,950 | 7,032 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,891,000 | 6,755 |
| Total interest expense | $2,030,000 | 6,206 |
| Net interest income | $1,861,000 | 7,195 |
| Provision for loan and lease losses | $60,000 | 6,153 |
| Total noninterest income | $207,000 | 7,752 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $156,000 | 6,073 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $51,000 | 8,389 |
| Total noninterest expense | $1,635,000 | 6,452 |
| Salaries and employee benefits | $794,000 | 6,821 |
| Premises and equipment expense | $255,000 | 5,987 |
| Additional noninterest expense | $586,000 | 5,894 |
| Pre-tax net operating income | $373,000 | 8,595 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $121,000 | 8,071 |
| Income before extraordinary items | $252,000 | 8,729 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $252,000 | 8,732 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,572 |
| Cash dividends | $88,000 | 6,683 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $252,000 | 8,692 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,484,000 | 7,419 |
| Total interest expense | $1,689,000 | 7,111 |
| Net interest income | $1,795,000 | 7,572 |
| Provision for loan and lease losses | $45,000 | 6,812 |
| Total noninterest income | $232,000 | 7,822 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $150,000 | 6,460 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $82,000 | 7,682 |
| Total noninterest expense | $1,327,000 | 7,581 |
| Salaries and employee benefits | $659,000 | 7,790 |
| Premises and equipment expense | $181,000 | 7,400 |
| Additional noninterest expense | $487,000 | 7,162 |
| Pre-tax net operating income | $655,000 | 7,139 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $229,000 | 6,724 |
| Income before extraordinary items | $426,000 | 7,410 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $426,000 | 7,410 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 7,336 |
| Cash dividends | $101,000 | 6,626 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $426,000 | 7,357 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,152,000 | 8,008 |
| Total interest expense | $1,455,000 | 7,810 |
| Net interest income | $1,697,000 | 8,026 |
| Provision for loan and lease losses | $50,000 | 6,165 |
| Total noninterest income | $250,000 | 7,697 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $177,000 | 6,130 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $73,000 | 8,234 |
| Total noninterest expense | $1,339,000 | 7,761 |
| Salaries and employee benefits | $596,000 | 8,382 |
| Premises and equipment expense | $211,000 | 6,988 |
| Additional noninterest expense | $532,000 | 7,016 |
| Pre-tax net operating income | $558,000 | 8,137 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $161,000 | 8,078 |
| Income before extraordinary items | $397,000 | 8,108 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $397,000 | 8,107 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 4,677 |
| Cash dividends | $83,000 | 7,133 |
| Sale, conversion, retirement of capital stock, net | $33,000 | 675 |
| Net operating income | $397,000 | 8,068 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,599,000 | 8,734 |
| Total interest expense | $1,147,000 | 8,121 |
| Net interest income | $1,452,000 | 9,008 |
| Provision for loan and lease losses | $44,000 | 6,435 |
| Total noninterest income | $366,000 | 6,473 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $186,000 | 6,148 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $180,000 | 5,611 |
| Total noninterest expense | $1,239,000 | 8,469 |
| Salaries and employee benefits | $521,000 | 9,197 |
| Premises and equipment expense | $181,000 | 7,828 |
| Additional noninterest expense | $537,000 | 7,545 |
| Pre-tax net operating income | $535,000 | 8,420 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $157,000 | 8,162 |
| Income before extraordinary items | $378,000 | 8,381 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $378,000 | 8,386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 6,043 |
| Cash dividends | $46,000 | 8,070 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $378,000 | 8,432 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,426,000 | 9,340 |
| Total interest expense | $1,132,000 | 8,552 |
| Net interest income | $1,294,000 | 9,750 |
| Provision for loan and lease losses | $170,000 | 4,340 |
| Total noninterest income | $322,000 | 7,357 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $184,000 | 6,297 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $138,000 | 6,833 |
| Total noninterest expense | $1,234,000 | 8,757 |
| Salaries and employee benefits | $519,000 | 9,467 |
| Premises and equipment expense | $153,000 | 8,816 |
| Additional noninterest expense | $562,000 | 7,668 |
| Pre-tax net operating income | $212,000 | 10,938 |
| Securities gains (losses) | $9,000 | 5,582 |
| Applicable income taxes | $58,000 | 10,749 |
| Income before extraordinary items | $163,000 | 11,048 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $163,000 | 11,137 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $164,000 | 3,502 |
| Cash dividends | $42,000 | 8,158 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $156,340 | 10,917 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,398,000 | 10,088 |
| Total interest expense | $1,305,000 | 9,210 |
| Net interest income | $1,093,000 | 10,720 |
| Provision for loan and lease losses | $75,000 | 8,067 |
| Total noninterest income | $444,000 | 6,133 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $152,000 | 7,048 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $292,000 | 4,505 |
| Total noninterest expense | $980,000 | 10,071 |
| Salaries and employee benefits | $432,000 | 10,494 |
| Premises and equipment expense | $131,000 | 9,652 |
| Additional noninterest expense | $417,000 | 9,367 |
| Pre-tax net operating income | $482,000 | 8,533 |
| Securities gains (losses) | $53,000 | 4,016 |
| Applicable income taxes | $141,000 | 8,864 |
| Income before extraordinary items | $394,000 | 8,284 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $394,000 | 8,409 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 8,560 |
| Cash dividends | $38,000 | 8,042 |
| Sale, conversion, retirement of capital stock, net | $42,000 | 947 |
| Net operating income | $354,780 | 8,305 |
* 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.