Home > American Southern Bank > Income and Expense

American Southern Bank, Income and Expense

2009-03-31 (YTD Data)Rank
Total interest income$943,0006,023
Total interest expense$965,0003,138
Net interest income$-22,0008,235
Provision for loan and lease losses$27,0005,667
Total noninterest income$16,0007,562
Gross Fiduciary activities income$01,285
Service charges on deposit accounts$1,0007,216
Trading account gains and fees$0171
Additional Noninterest Income$15,0006,478
Total noninterest expense$806,0004,932
Salaries and employee benefits$393,0005,204
Premises and equipment expense$142,0004,138
Additional noninterest expense$271,0004,718
Pre-tax net operating income$-839,0007,566
Securities gains (losses)$02,434
Applicable income taxes$04,835
Income before extraordinary items$-839,0007,650
Extraordinary gains, net$015
Net income$-839,0007,651
Minority interest net income$0102
Net income of bank and minority interests.$-839,0007,651
Net charge-offs$05,728
Cash dividends$03,051
Sale, conversion, retirement of capital stock, net$01,068
Net operating income$-839,0007,647
2008-12-31 (YTD Data)Rank
Total interest income$3,878,0006,072
Total interest expense$3,021,0004,235
Net interest income$857,0007,760
Provision for loan and lease losses$1,271,0002,375
Total noninterest income$-29,0008,166
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$3,0007,266
Trading account gains and fees$0154
Additional Noninterest Income$-32,0008,072
Total noninterest expense$3,068,0005,047
Salaries and employee benefits$1,385,0005,568
Premises and equipment expense$436,0004,846
Additional noninterest expense$1,247,0004,164
Pre-tax net operating income$-3,511,0007,678
Securities gains (losses)$03,220
Applicable income taxes$04,979
Income before extraordinary items$-3,511,0007,686
Extraordinary gains, net$039
Net income$-3,511,0007,684
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,987,0001,294
Cash dividends$05,455
Sale, conversion, retirement of capital stock, net$01,389
Net operating income$-3,511,0007,754
2008-09-30 (YTD Data)Rank
Total interest income$2,885,0006,165
Total interest expense$2,136,0004,517
Net interest income$749,0007,656
Provision for loan and lease losses$516,0002,680
Total noninterest income$87,0007,247
Gross Fiduciary activities income$01,405
Service charges on deposit accounts$2,0007,331
Trading account gains and fees$0148
Additional Noninterest Income$85,0005,873
Total noninterest expense$2,311,0005,015
Salaries and employee benefits$1,077,0005,480
Premises and equipment expense$287,0005,222
Additional noninterest expense$947,0004,031
Pre-tax net operating income$-1,991,0007,860
Securities gains (losses)$03,106
Applicable income taxes$05,372
Income before extraordinary items$-1,991,0007,865
Extraordinary gains, net$031
Net income$-1,991,0007,865
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,235,0001,144
Cash dividends$04,937
Sale, conversion, retirement of capital stock, net$01,238
Net operating income$-1,991,0007,940
2008-06-30 (YTD Data)Rank
Total interest income$1,976,0006,165
Total interest expense$1,348,0004,800
Net interest income$628,0007,392
Provision for loan and lease losses$450,0002,016
Total noninterest income$67,0007,184
Gross Fiduciary activities income$01,395
Service charges on deposit accounts$1,0007,382
Trading account gains and fees$0149
Additional Noninterest Income$66,0005,727
Total noninterest expense$1,352,0005,446
Salaries and employee benefits$739,0005,444
Premises and equipment expense$182,0005,392
Additional noninterest expense$431,0005,189
Pre-tax net operating income$-1,107,0007,962
Securities gains (losses)$03,233
Applicable income taxes$05,627
Income before extraordinary items$-1,107,0008,026
Extraordinary gains, net$021
Net income$-1,107,0008,026
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$740,0001,028
Cash dividends$04,733
Sale, conversion, retirement of capital stock, net$01,136
Net operating income$-1,107,0008,016
2008-03-31 (YTD Data)Rank
Total interest income$1,036,0006,139
Total interest expense$676,0004,972
Net interest income$360,0007,194
Provision for loan and lease losses$25,0004,682
Total noninterest income$46,0006,779
Gross Fiduciary activities income$01,326
Service charges on deposit accounts$1,0007,357
Trading account gains and fees$0158
Additional Noninterest Income$45,0005,251
Total noninterest expense$568,0005,961
Salaries and employee benefits$323,0005,885
Premises and equipment expense$86,0005,563
Additional noninterest expense$159,0006,022
Pre-tax net operating income$-187,0007,743
Securities gains (losses)$02,688
Applicable income taxes$05,622
Income before extraordinary items$-187,0007,824
Extraordinary gains, net$015
Net income$-187,0007,824
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,009
Cash dividends$03,705
Sale, conversion, retirement of capital stock, net$01,000
Net operating income$-187,0007,792
2007-12-31 (YTD Data)Rank
Total interest income$4,441,0006,009
Total interest expense$2,233,0005,575
Net interest income$2,208,0006,286
Provision for loan and lease losses$1,533,0001,034
Total noninterest income$160,0007,041
Gross Fiduciary activities income$01,498
Service charges on deposit accounts$4,0007,400
Trading account gains and fees$0178
Additional Noninterest Income$156,0005,511
Total noninterest expense$2,516,0005,593
Salaries and employee benefits$1,234,0005,897
Premises and equipment expense$264,0006,104
Additional noninterest expense$1,018,0004,605
Pre-tax net operating income$-1,681,0008,232
Securities gains (losses)$02,146
Applicable income taxes$06,070
Income before extraordinary items$-1,681,0008,274
Extraordinary gains, net$039
Net income$-1,681,0008,271
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$350,0002,094
Cash dividends$05,817
Sale, conversion, retirement of capital stock, net$10,0001,233
Net operating income$-1,681,0008,264
2007-09-30 (YTD Data)Rank
Total interest income$3,363,0006,018
Total interest expense$1,552,0005,789
Net interest income$1,811,0006,102
Provision for loan and lease losses$318,0002,214
Total noninterest income$137,0006,904
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$1,0007,480
Trading account gains and fees$0184
Additional Noninterest Income$136,0005,268
Total noninterest expense$1,563,0006,092
Salaries and employee benefits$914,0005,911
Premises and equipment expense$201,0006,059
Additional noninterest expense$448,0006,119
Pre-tax net operating income$67,0007,429
Securities gains (losses)$01,655
Applicable income taxes$06,220
Income before extraordinary items$67,0007,410
Extraordinary gains, net$033
Net income$67,0007,407
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,076
Cash dividends$05,179
Sale, conversion, retirement of capital stock, net$9,0001,078
Net operating income$67,0007,394
2007-06-30 (YTD Data)Rank
Total interest income$2,162,0006,131
Total interest expense$902,0006,096
Net interest income$1,260,0006,029
Provision for loan and lease losses$214,0002,058
Total noninterest income$122,0006,507
Gross Fiduciary activities income$01,429
Service charges on deposit accounts$1,0007,510
Trading account gains and fees$0168
Additional Noninterest Income$121,0004,742
Total noninterest expense$999,0006,261
Salaries and employee benefits$603,0005,996
Premises and equipment expense$120,0006,367
Additional noninterest expense$276,0006,341
Pre-tax net operating income$169,0006,826
Securities gains (losses)$01,444
Applicable income taxes$06,265
Income before extraordinary items$169,0006,597
Extraordinary gains, net$029
Net income$169,0006,598
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,517
Cash dividends$04,977
Sale, conversion, retirement of capital stock, net$8,000980
Net operating income$169,0006,590
2007-03-31 (YTD Data)Rank
Total interest income$1,038,0006,230
Total interest expense$376,0006,482
Net interest income$662,0005,896
Provision for loan and lease losses$85,0002,287
Total noninterest income$71,0006,205
Gross Fiduciary activities income$01,355
Service charges on deposit accounts$1,0007,501
Trading account gains and fees$0195
Additional Noninterest Income$70,0004,459
Total noninterest expense$468,0006,444
Salaries and employee benefits$280,0006,259
Premises and equipment expense$58,0006,480
Additional noninterest expense$130,0006,485
Pre-tax net operating income$180,0005,717
Securities gains (losses)$01,187
Applicable income taxes$06,196
Income before extraordinary items$180,0005,289
Extraordinary gains, net$022
Net income$180,0005,289
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$04,509
Cash dividends$03,942
Sale, conversion, retirement of capital stock, net$6,000806
Net operating income$180,0005,272
2006-12-31 (YTD Data)Rank
Total interest income$2,274,0007,325
Total interest expense$533,0007,858
Net interest income$1,741,0006,883
Provision for loan and lease losses$260,0003,029
Total noninterest income$29,0008,354
Gross Fiduciary activities income$01,523
Service charges on deposit accounts$9,0007,440
Trading account gains and fees$0130
Additional Noninterest Income$20,0007,978
Total noninterest expense$1,607,0006,718
Salaries and employee benefits$846,0006,821
Premises and equipment expense$216,0006,563
Additional noninterest expense$545,0006,331
Pre-tax net operating income$-97,0008,046
Securities gains (losses)$01,687
Applicable income taxes$06,600
Income before extraordinary items$-97,0008,075
Extraordinary gains, net$051
Net income$-97,0008,077
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,377
Cash dividends$05,941
Sale, conversion, retirement of capital stock, net$01,251
Net operating income$-97,0008,064
2006-09-30 (YTD Data)Rank
Total interest income$1,475,0007,618
Total interest expense$265,0008,227
Net interest income$1,210,0007,121
Provision for loan and lease losses$260,0002,394
Total noninterest income$26,0008,404
Gross Fiduciary activities income$01,468
Service charges on deposit accounts$6,0007,517
Trading account gains and fees$0126
Additional Noninterest Income$20,0007,827
Total noninterest expense$1,075,0007,016
Salaries and employee benefits$565,0007,098
Premises and equipment expense$159,0006,622
Additional noninterest expense$351,0006,698
Pre-tax net operating income$-99,0008,220
Securities gains (losses)$1,0001,261
Applicable income taxes$06,687
Income before extraordinary items$-98,0008,248
Extraordinary gains, net$045
Net income$-98,0008,250
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,858
Cash dividends$05,292
Sale, conversion, retirement of capital stock, net$01,045
Net operating income$-99,0008,239
2006-06-30 (YTD Data)Rank
Total interest income$842,0007,863
Total interest expense$78,0008,566
Net interest income$764,0007,265
Provision for loan and lease losses$135,0002,822
Total noninterest income$5,0008,619
Gross Fiduciary activities income$01,458
Service charges on deposit accounts$1,0007,650
Trading account gains and fees$0126
Additional Noninterest Income$4,0008,426
Total noninterest expense$688,0007,135
Salaries and employee benefits$356,0007,264
Premises and equipment expense$106,0006,637
Additional noninterest expense$226,0006,830
Pre-tax net operating income$-54,0008,284
Securities gains (losses)$01,185
Applicable income taxes$06,706
Income before extraordinary items$-54,0008,290
Extraordinary gains, net$039
Net income$-54,0008,291
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,361
Cash dividends$05,069
Sale, conversion, retirement of capital stock, net$0887
Net operating income$-54,0008,287
2006-03-31 (YTD Data)Rank
Total interest income$363,0008,058
Total interest expense$28,0008,640
Net interest income$335,0007,524
Provision for loan and lease losses$96,0002,063
Total noninterest income$4,0008,590
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$2,0007,586
Trading account gains and fees$0115
Additional Noninterest Income$2,0008,382
Total noninterest expense$344,0007,142
Salaries and employee benefits$189,0007,130
Premises and equipment expense$51,0006,714
Additional noninterest expense$104,0007,001
Pre-tax net operating income$-101,0008,446
Securities gains (losses)$0955
Applicable income taxes$06,588
Income before extraordinary items$-101,0008,461
Extraordinary gains, net$021
Net income$-101,0008,460
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$04,399
Cash dividends$03,943
Sale, conversion, retirement of capital stock, net$0648
Net operating income$-101,0008,446
2005-12-31 (YTD Data)Rank
Total interest income$302,0008,718
Total interest expense$13,0008,777
Net interest income$289,0008,685
Provision for loan and lease losses$90,0004,964
Total noninterest income$51,0008,412
Gross Fiduciary activities income$01,557
Service charges on deposit accounts$11,0007,582
Trading account gains and fees$0138
Additional Noninterest Income$40,0007,623
Total noninterest expense$978,0007,787
Salaries and employee benefits$506,0007,878
Premises and equipment expense$138,0007,418
Additional noninterest expense$334,0007,437
Pre-tax net operating income$-728,0008,567
Securities gains (losses)$02,296
Applicable income taxes$06,964
Income before extraordinary items$-728,0008,607
Extraordinary gains, net$046
Net income$-728,0008,607
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,618
Cash dividends$06,054
Sale, conversion, retirement of capital stock, net$11,000,000167
Net operating income$-728,0008,590
2005-09-30 (YTD Data)Rank
Total interest income$51,0008,841
Total interest expense$3,0008,828
Net interest income$48,0008,831
Provision for loan and lease losses$06,899
Total noninterest income$5,0008,744
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$07,794
Trading account gains and fees$0126
Additional Noninterest Income$5,0008,551
Total noninterest expense$546,0008,188
Salaries and employee benefits$232,0008,454
Premises and equipment expense$85,0007,719
Additional noninterest expense$229,0007,619
Pre-tax net operating income$-493,0008,595
Securities gains (losses)$02,317
Applicable income taxes$06,976
Income before extraordinary items$-493,0008,637
Extraordinary gains, net$035
Net income$-493,0008,637
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,144
Cash dividends$05,317
Sale, conversion, retirement of capital stock, net$11,000,000117
Net operating income$-493,0008,612

* 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.