Home > First National South > Income and Expense
First National South, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $11,685,000 | 2,806 |
| Total interest expense | $5,418,000 | 2,764 |
| Net interest income | $6,267,000 | 2,788 |
| Provision for loan and lease losses | $800,000 | 1,181 |
| Total noninterest income | $1,501,000 | 2,197 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,096,000 | 1,151 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $405,000 | 3,254 |
| Total noninterest expense | $5,618,000 | 2,295 |
| Salaries and employee benefits | $3,041,000 | 2,179 |
| Premises and equipment expense | $834,000 | 2,336 |
| Additional noninterest expense | $1,743,000 | 2,377 |
| Pre-tax net operating income | $1,350,000 | 4,839 |
| Securities gains (losses) | $20,000 | 1,883 |
| Applicable income taxes | $420,000 | 4,734 |
| Income before extraordinary items | $950,000 | 4,875 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $950,000 | 4,875 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $900,000 | 858 |
| Cash dividends | $117,000 | 6,287 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $936,200 | 4,850 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $9,203,000 | 3,538 |
| Total interest expense | $4,357,000 | 3,424 |
| Net interest income | $4,846,000 | 3,634 |
| Provision for loan and lease losses | $180,000 | 3,640 |
| Total noninterest income | $1,545,000 | 2,249 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $889,000 | 1,511 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $656,000 | 2,413 |
| Total noninterest expense | $5,090,000 | 2,684 |
| Salaries and employee benefits | $2,785,000 | 2,383 |
| Premises and equipment expense | $853,000 | 2,313 |
| Additional noninterest expense | $1,452,000 | 3,211 |
| Pre-tax net operating income | $1,121,000 | 5,343 |
| Securities gains (losses) | $-23,000 | 10,703 |
| Applicable income taxes | $183,000 | 7,402 |
| Income before extraordinary items | $915,000 | 4,812 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $915,000 | 4,813 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-28,000 | 10,811 |
| Cash dividends | $335,000 | 4,281 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $934,090 | 4,694 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $8,134,000 | 3,954 |
| Total interest expense | $3,840,000 | 3,810 |
| Net interest income | $4,294,000 | 4,073 |
| Provision for loan and lease losses | $39,000 | 6,693 |
| Total noninterest income | $1,236,000 | 2,650 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $933,000 | 1,464 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $303,000 | 3,971 |
| Total noninterest expense | $4,865,000 | 2,785 |
| Salaries and employee benefits | $2,650,000 | 2,522 |
| Premises and equipment expense | $787,000 | 2,516 |
| Additional noninterest expense | $1,428,000 | 3,218 |
| Pre-tax net operating income | $626,000 | 7,730 |
| Securities gains (losses) | $126,000 | 853 |
| Applicable income taxes | $255,000 | 6,571 |
| Income before extraordinary items | $497,000 | 7,278 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $497,000 | 7,277 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-54,000 | 11,498 |
| Cash dividends | $218,000 | 5,275 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $413,840 | 7,901 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,963,000 | 4,238 |
| Total interest expense | $2,917,000 | 4,062 |
| Net interest income | $4,046,000 | 4,327 |
| Provision for loan and lease losses | $274,000 | 2,435 |
| Total noninterest income | $1,210,000 | 2,721 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,015,000 | 1,316 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $195,000 | 5,356 |
| Total noninterest expense | $5,145,000 | 2,696 |
| Salaries and employee benefits | $2,437,000 | 2,729 |
| Premises and equipment expense | $789,000 | 2,557 |
| Additional noninterest expense | $1,920,000 | 2,661 |
| Pre-tax net operating income | $-163,000 | 12,239 |
| Securities gains (losses) | $-34,000 | 10,758 |
| Applicable income taxes | $-32,000 | 12,162 |
| Income before extraordinary items | $-165,000 | 12,198 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-165,000 | 12,198 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,015,000 | 856 |
| Cash dividends | $323,000 | 4,279 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $-136,440 | 12,205 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,590,000 | 7,409 |
| Total interest expense | $1,527,000 | 7,121 |
| Net interest income | $2,063,000 | 7,504 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $506,000 | 5,549 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $390,000 | 3,529 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $116,000 | 7,420 |
| Total noninterest expense | $1,914,000 | 6,578 |
| Salaries and employee benefits | $1,009,000 | 6,080 |
| Premises and equipment expense | $275,000 | 6,263 |
| Additional noninterest expense | $630,000 | 7,080 |
| Pre-tax net operating income | $655,000 | 7,607 |
| Securities gains (losses) | $31,000 | 4,064 |
| Applicable income taxes | $182,000 | 7,971 |
| Income before extraordinary items | $504,000 | 7,515 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $504,000 | 7,704 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 9,293 |
| Cash dividends | $226,000 | 5,130 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $481,370 | 7,449 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,772,000 | 7,812 |
| Total interest expense | $1,728,000 | 7,823 |
| Net interest income | $2,044,000 | 7,637 |
| Provision for loan and lease losses | $6,000 | 11,435 |
| Total noninterest income | $459,000 | 5,991 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $363,000 | 3,784 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $96,000 | 8,213 |
| Total noninterest expense | $1,747,000 | 7,126 |
| Salaries and employee benefits | $909,000 | 6,561 |
| Premises and equipment expense | $278,000 | 6,313 |
| Additional noninterest expense | $560,000 | 7,875 |
| Pre-tax net operating income | $750,000 | 6,828 |
| Securities gains (losses) | $60,000 | 3,829 |
| Applicable income taxes | $218,000 | 7,224 |
| Income before extraordinary items | $592,000 | 6,634 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $592,000 | 6,716 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 9,274 |
| Cash dividends | $182,000 | 5,303 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $548,200 | 6,581 |
* 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.