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First Bank South, Income and Expense

1996-12-31 (YTD Data)Rank
Total interest income$11,859,0002,780
Total interest expense$6,537,0002,361
Net interest income$5,322,0003,328
Provision for loan and lease losses$09,041
Total noninterest income$595,0004,594
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$178,0005,952
Trading account gains and fees$76,000185
Additional Noninterest Income$341,0003,757
Total noninterest expense$3,115,0004,191
Salaries and employee benefits$1,109,0005,554
Premises and equipment expense$416,0004,397
Additional noninterest expense$1,590,0002,985
Pre-tax net operating income$2,802,0002,507
Securities gains (losses)$31,0001,673
Applicable income taxes$941,0002,484
Income before extraordinary items$1,892,0002,576
Extraordinary gains, net$053
Net income$1,892,0002,578
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$8,0007,694
Cash dividends$1,600,0001,502
Sale, conversion, retirement of capital stock, net$0953
Net operating income$1,871,2302,563
1995-12-31 (YTD Data)Rank
Total interest income$11,038,0003,006
Total interest expense$6,025,0002,546
Net interest income$5,013,0003,525
Provision for loan and lease losses$08,958
Total noninterest income$511,0005,110
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$183,0005,995
Trading account gains and fees$13,000418
Additional Noninterest Income$315,0003,892
Total noninterest expense$3,477,0003,770
Salaries and employee benefits$1,257,0005,009
Premises and equipment expense$436,0004,221
Additional noninterest expense$1,784,0002,649
Pre-tax net operating income$2,047,0003,418
Securities gains (losses)$42,0001,423
Applicable income taxes$680,0003,320
Income before extraordinary items$1,409,0003,436
Extraordinary gains, net$065
Net income$1,409,0003,434
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$130,0003,217
Cash dividends$950,0002,150
Sale, conversion, retirement of capital stock, net$0809
Net operating income$1,380,8603,483
1994-12-31 (YTD Data)Rank
Total interest income$9,012,0003,328
Total interest expense$3,943,0003,096
Net interest income$5,069,0003,512
Provision for loan and lease losses$09,146
Total noninterest income$543,0004,979
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$234,0005,292
Trading account gains and fees$0475
Additional Noninterest Income$309,0004,007
Total noninterest expense$3,275,0004,088
Salaries and employee benefits$1,071,0005,768
Premises and equipment expense$443,0004,213
Additional noninterest expense$1,761,0002,887
Pre-tax net operating income$2,337,0003,007
Securities gains (losses)$03,600
Applicable income taxes$762,0002,893
Income before extraordinary items$1,575,0003,052
Extraordinary gains, net$0249
Net income$1,575,0003,062
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$35,0005,738
Cash dividends$1,400,0001,471
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,575,0003,066
1993-12-31 (YTD Data)Rank
Total interest income$8,699,0003,539
Total interest expense$3,555,0003,529
Net interest income$5,144,0003,476
Provision for loan and lease losses$340,0002,760
Total noninterest income$887,0003,675
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$265,0004,878
Trading account gains and fees$0532
Additional Noninterest Income$622,0002,815
Total noninterest expense$3,563,0003,851
Salaries and employee benefits$1,076,0005,758
Premises and equipment expense$459,0004,170
Additional noninterest expense$2,028,0002,698
Pre-tax net operating income$2,128,0003,122
Securities gains (losses)$07,477
Applicable income taxes$688,0003,170
Income before extraordinary items$1,440,0003,373
Extraordinary gains, net$03,149
Net income$1,440,0003,478
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$320,0002,363
Cash dividends$2,050,000983
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$1,440,0003,189
1992-12-31 (YTD Data)Rank
Total interest income$9,857,0003,537
Total interest expense$4,588,0003,579
Net interest income$5,269,0003,465
Provision for loan and lease losses$325,0003,946
Total noninterest income$707,0004,384
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$246,0005,195
Trading account gains and fees$0504
Additional Noninterest Income$461,0003,367
Total noninterest expense$3,883,0003,601
Salaries and employee benefits$1,449,0004,358
Premises and equipment expense$564,0003,561
Additional noninterest expense$1,870,0002,966
Pre-tax net operating income$1,768,0003,491
Securities gains (losses)$-7,00013,179
Applicable income taxes$563,0003,617
Income before extraordinary items$1,198,0003,820
Extraordinary gains, net$01,422
Net income$1,198,0003,862
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$351,0003,048
Cash dividends$150,0005,711
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$1,202,7603,519

* 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.