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Mississippi Southern Bank, Income and Expense

2001-12-31 (YTD Data)		Rank
Total interest income	$3,092,000	7,166
Total interest expense	$1,127,000	7,754
Net interest income	$1,965,000	6,483
Provision for loan and lease losses	$265,000	3,485
Total noninterest income	$410,000	5,610
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$305,000	4,124
Trading account gains and fees	$0	177
Additional Noninterest Income	$105,000	6,335
Total noninterest expense	$1,312,000	7,201
Salaries and employee benefits	$639,000	7,479
Premises and equipment expense	$261,000	5,952
Additional noninterest expense	$412,000	7,053
Pre-tax net operating income	$798,000	5,486
Securities gains (losses)	$0	4,612
Applicable income taxes	$0	7,903
Income before extraordinary items	$798,000	4,879
Extraordinary gains, net	$0	105
Net income	$798,000	4,882
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	8,863
Cash dividends	$700,000	2,851
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$798,000	4,765
2000-12-31 (YTD Data)		Rank
Total interest income	$3,125,000	7,289
Total interest expense	$1,204,000	7,798
Net interest income	$1,921,000	6,694
Provision for loan and lease losses	$289,000	2,948
Total noninterest income	$346,000	5,915
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$265,000	4,378
Trading account gains and fees	NA	NA
Additional Noninterest Income	$81,000	6,893
Total noninterest expense	$1,260,000	7,349
Salaries and employee benefits	$580,000	7,806
Premises and equipment expense	$267,000	5,811
Additional noninterest expense	$413,000	7,045
Pre-tax net operating income	$718,000	6,156
Securities gains (losses)	$-3,000	7,730
Applicable income taxes	$0	8,362
Income before extraordinary items	$715,000	5,360
Extraordinary gains, net	$0	38
Net income	$715,000	5,360
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$165,000	2,715
Cash dividends	$700,000	2,901
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$718,000	5,353
1999-12-31 (YTD Data)		Rank
Total interest income	$2,873,000	7,516
Total interest expense	$1,042,000	8,070
Net interest income	$1,831,000	6,951
Provision for loan and lease losses	$60,000	6,124
Total noninterest income	$257,000	6,875
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$220,000	4,868
Trading account gains and fees	NA	NA
Additional Noninterest Income	$37,000	8,550
Total noninterest expense	$1,228,000	7,498
Salaries and employee benefits	$564,000	7,945
Premises and equipment expense	$261,000	5,901
Additional noninterest expense	$403,000	7,246
Pre-tax net operating income	$800,000	5,933
Securities gains (losses)	$0	3,155
Applicable income taxes	$0	8,765
Income before extraordinary items	$800,000	5,098
Extraordinary gains, net	$0	35
Net income	$800,000	5,097
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-22,000	9,636
Cash dividends	$600,000	3,129
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$800,000	5,049
1998-12-31 (YTD Data)		Rank
Total interest income	$2,521,000	8,072
Total interest expense	$936,000	8,596
Net interest income	$1,585,000	7,499
Provision for loan and lease losses	$90,000	5,311
Total noninterest income	$256,000	6,931
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$218,000	4,896
Trading account gains and fees	NA	NA
Additional Noninterest Income	$38,000	8,617
Total noninterest expense	$1,226,000	7,468
Salaries and employee benefits	$549,000	8,055
Premises and equipment expense	$263,000	5,784
Additional noninterest expense	$414,000	7,106
Pre-tax net operating income	$525,000	7,249
Securities gains (losses)	$56,000	1,658
Applicable income taxes	$17,000	8,941
Income before extraordinary items	$564,000	6,242
Extraordinary gains, net	$0	32
Net income	$564,000	6,241
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$43,000	5,222
Cash dividends	$500,000	3,496
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$509,680	6,440
1997-12-31 (YTD Data)		Rank
Total interest income	$2,458,000	8,428
Total interest expense	$851,000	9,117
Net interest income	$1,607,000	7,756
Provision for loan and lease losses	$240,000	3,015
Total noninterest income	$277,000	6,927
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$221,000	5,031
Trading account gains and fees	NA	NA
Additional Noninterest Income	$56,000	8,171
Total noninterest expense	$1,123,000	7,929
Salaries and employee benefits	$520,000	8,459
Premises and equipment expense	$168,000	7,420
Additional noninterest expense	$435,000	7,058
Pre-tax net operating income	$521,000	7,811
Securities gains (losses)	$-1,000	9,009
Applicable income taxes	$233,000	6,460
Income before extraordinary items	$287,000	8,478
Extraordinary gains, net	$0	44
Net income	$287,000	8,480
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$279,000	2,054
Cash dividends	$240,000	5,019
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$287,640	8,433
1996-12-31 (YTD Data)		Rank
Total interest income	$2,372,000	8,873
Total interest expense	$827,000	9,563
Net interest income	$1,545,000	8,157
Provision for loan and lease losses	$80,000	5,594
Total noninterest income	$345,000	6,484
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$224,000	5,177
Trading account gains and fees	NA	NA
Additional Noninterest Income	$121,000	6,566
Total noninterest expense	$1,076,000	8,416
Salaries and employee benefits	$541,000	8,563
Premises and equipment expense	$162,000	7,785
Additional noninterest expense	$373,000	8,133
Pre-tax net operating income	$734,000	6,772
Securities gains (losses)	$4,000	3,123
Applicable income taxes	$213,000	6,931
Income before extraordinary items	$525,000	6,731
Extraordinary gains, net	$0	53
Net income	$525,000	6,734
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$123,000	3,538
Cash dividends	$300,000	4,471
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$522,160	6,695
1995-12-31 (YTD Data)		Rank
Total interest income	$2,244,000	9,346
Total interest expense	$795,000	9,966
Net interest income	$1,449,000	8,672
Provision for loan and lease losses	$61,000	5,684
Total noninterest income	$255,000	7,650
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$198,000	5,717
Trading account gains and fees	NA	NA
Additional Noninterest Income	$57,000	8,889
Total noninterest expense	$983,000	9,027
Salaries and employee benefits	$499,000	9,124
Premises and equipment expense	$189,000	7,403
Additional noninterest expense	$295,000	9,291
Pre-tax net operating income	$660,000	7,541
Securities gains (losses)	$0	3,831
Applicable income taxes	$212,000	7,226
Income before extraordinary items	$449,000	7,648
Extraordinary gains, net	$0	65
Net income	$449,000	7,649
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,000	6,779
Cash dividends	$200,000	5,441
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$449,000	7,613
1994-12-31 (YTD Data)		Rank
Total interest income	$1,879,000	10,026
Total interest expense	$650,000	10,352
Net interest income	$1,229,000	9,683
Provision for loan and lease losses	$84,000	4,941
Total noninterest income	$272,000	7,624
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$230,000	5,352
Trading account gains and fees	NA	NA
Additional Noninterest Income	$42,000	10,035
Total noninterest expense	$1,004,000	9,334
Salaries and employee benefits	$499,000	9,402
Premises and equipment expense	$187,000	7,705
Additional noninterest expense	$318,000	9,739
Pre-tax net operating income	$413,000	9,262
Securities gains (losses)	$14,000	2,006
Applicable income taxes	$135,000	8,607
Income before extraordinary items	$292,000	9,229
Extraordinary gains, net	$0	249
Net income	$292,000	9,234
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$50,000	5,113
Cash dividends	$160,000	5,924
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$282,480	9,404
1993-12-31 (YTD Data)		Rank
Total interest income	$1,917,000	10,349
Total interest expense	$648,000	10,886
Net interest income	$1,269,000	9,841
Provision for loan and lease losses	$84,000	6,228
Total noninterest income	$225,000	8,774
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$182,000	6,334
Trading account gains and fees	NA	NA
Additional Noninterest Income	$43,000	10,513
Total noninterest expense	$1,020,000	9,651
Salaries and employee benefits	$487,000	9,796
Premises and equipment expense	$186,000	7,988
Additional noninterest expense	$347,000	9,875
Pre-tax net operating income	$390,000	9,485
Securities gains (losses)	$-30,000	13,003
Applicable income taxes	$109,000	9,529
Income before extraordinary items	$251,000	10,031
Extraordinary gains, net	$22,000	2,659
Net income	$273,000	9,926
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$81,000	5,012
Cash dividends	$160,000	5,928
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$272,000	9,534
1992-12-31 (YTD Data)		Rank
Total interest income	$1,977,000	10,938
Total interest expense	$748,000	11,586
Net interest income	$1,229,000	10,220
Provision for loan and lease losses	$84,000	7,767
Total noninterest income	$182,000	9,783
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$139,000	7,416
Trading account gains and fees	NA	NA
Additional Noninterest Income	$43,000	10,841
Total noninterest expense	$1,075,000	9,643
Salaries and employee benefits	$497,000	9,808
Premises and equipment expense	$186,000	8,166
Additional noninterest expense	$392,000	9,654
Pre-tax net operating income	$252,000	10,583
Securities gains (losses)	$40,000	4,499
Applicable income taxes	$75,000	10,571
Income before extraordinary items	$217,000	10,369
Extraordinary gains, net	$0	1,422
Net income	$217,000	10,507
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$70,000	6,766
Cash dividends	$160,000	5,601
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$187,400	10,437

* 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.