Home > First South Bank > Income and Expense
First South Bank, Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $109,912,000 | 369 |
| Total interest expense | $76,181,000 | 272 |
| Net interest income | $33,731,000 | 554 |
| Provision for loan and lease losses | $1,285,000 | 1,029 |
| Total noninterest income | $5,597,000 | 895 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $5,597,000 | 606 |
| Total noninterest expense | $18,582,000 | 813 |
| Salaries and employee benefits | $8,916,000 | 829 |
| Premises and equipment expense | $5,619,000 | 415 |
| Additional noninterest expense | $4,047,000 | 1,181 |
| Pre-tax net operating income | $19,461,000 | 437 |
| Securities gains (losses) | $4,562,000 | 149 |
| Applicable income taxes | $9,175,000 | 350 |
| Income before extraordinary items | $14,848,000 | 405 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $14,848,000 | 404 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 5,305 |
| Cash dividends | $10,000,000 | 367 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $11,928,320 | 480 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $94,472,000 | 425 |
| Total interest expense | $67,672,000 | 342 |
| Net interest income | $26,800,000 | 667 |
| Provision for loan and lease losses | $1,583,000 | 730 |
| Total noninterest income | $3,829,000 | 1,102 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $3,829,000 | 737 |
| Total noninterest expense | $16,323,000 | 870 |
| Salaries and employee benefits | $7,320,000 | 957 |
| Premises and equipment expense | $5,337,000 | 428 |
| Additional noninterest expense | $3,666,000 | 1,241 |
| Pre-tax net operating income | $12,723,000 | 630 |
| Securities gains (losses) | $1,763,000 | 106 |
| Applicable income taxes | $5,180,000 | 538 |
| Income before extraordinary items | $9,306,000 | 610 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $9,306,000 | 610 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 6,846 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $8,177,680 | 670 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $65,380,000 | 568 |
| Total interest expense | $44,808,000 | 416 |
| Net interest income | $20,572,000 | 861 |
| Provision for loan and lease losses | $1,200,000 | 831 |
| Total noninterest income | $3,037,000 | 1,335 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $3,037,000 | 881 |
| Total noninterest expense | $14,547,000 | 963 |
| Salaries and employee benefits | $7,159,000 | 956 |
| Premises and equipment expense | $4,311,000 | 521 |
| Additional noninterest expense | $3,077,000 | 1,489 |
| Pre-tax net operating income | $7,862,000 | 1,002 |
| Securities gains (losses) | $3,527,000 | 88 |
| Applicable income taxes | $4,068,000 | 692 |
| Income before extraordinary items | $7,321,000 | 792 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $7,321,000 | 792 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 3,578 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $5,063,720 | 1,060 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $51,634,000 | 662 |
| Total interest expense | $35,459,000 | 505 |
| Net interest income | $16,175,000 | 1,045 |
| Provision for loan and lease losses | $1,200,000 | 825 |
| Total noninterest income | $2,079,000 | 1,778 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $2,079,000 | 1,131 |
| Total noninterest expense | $11,045,000 | 1,199 |
| Salaries and employee benefits | $5,063,000 | 1,293 |
| Premises and equipment expense | $3,029,000 | 686 |
| Additional noninterest expense | $2,953,000 | 1,471 |
| Pre-tax net operating income | $6,009,000 | 1,252 |
| Securities gains (losses) | $3,930,000 | 146 |
| Applicable income taxes | $3,727,000 | 726 |
| Income before extraordinary items | $6,212,000 | 876 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $6,212,000 | 876 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $3,696,800 | 1,371 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $33,357,000 | 1,029 |
| Total interest expense | $22,166,000 | 739 |
| Net interest income | $11,191,000 | 1,543 |
| Provision for loan and lease losses | $855,000 | 1,124 |
| Total noninterest income | $1,253,000 | 2,533 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,253,000 | 1,507 |
| Total noninterest expense | $10,243,000 | 1,294 |
| Salaries and employee benefits | $5,625,000 | 1,166 |
| Premises and equipment expense | $2,269,000 | 886 |
| Additional noninterest expense | $2,349,000 | 1,810 |
| Pre-tax net operating income | $1,346,000 | 4,848 |
| Securities gains (losses) | $3,819,000 | 111 |
| Applicable income taxes | $1,937,000 | 1,369 |
| Income before extraordinary items | $3,228,000 | 1,670 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,228,000 | 1,671 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,963 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $783,840 | 5,477 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $16,796,000 | 2,016 |
| Total interest expense | $10,549,000 | 1,519 |
| Net interest income | $6,247,000 | 2,840 |
| Provision for loan and lease losses | $490,000 | 1,759 |
| Total noninterest income | $1,805,000 | 2,007 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,805,000 | 1,239 |
| Total noninterest expense | $7,532,000 | 1,878 |
| Salaries and employee benefits | $3,839,000 | 1,723 |
| Premises and equipment expense | $1,196,000 | 1,704 |
| Additional noninterest expense | $2,497,000 | 2,008 |
| Pre-tax net operating income | $30,000 | 10,680 |
| Securities gains (losses) | $1,906,000 | 157 |
| Applicable income taxes | $726,000 | 3,096 |
| Income before extraordinary items | $1,210,000 | 3,855 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,210,000 | 3,855 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-9,840 | 10,800 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,711,000 | 6,227 |
| Total interest expense | $2,719,000 | 5,195 |
| Net interest income | $1,992,000 | 7,337 |
| Provision for loan and lease losses | $98,000 | 4,693 |
| Total noninterest income | $1,543,000 | 2,239 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,543,000 | 1,358 |
| Total noninterest expense | $3,947,000 | 3,366 |
| Salaries and employee benefits | $2,584,000 | 2,588 |
| Premises and equipment expense | $442,000 | 4,167 |
| Additional noninterest expense | $921,000 | 4,676 |
| Pre-tax net operating income | $-510,000 | 11,799 |
| Securities gains (losses) | $509,000 | 352 |
| Applicable income taxes | $-12,000 | 11,524 |
| Income before extraordinary items | $11,000 | 11,461 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $11,000 | 11,458 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $-314,760 | 11,728 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,253,000 | 5,436 |
| Total interest expense | $2,837,000 | 4,163 |
| Net interest income | $2,416,000 | 6,630 |
| Provision for loan and lease losses | $69,000 | 5,368 |
| Total noninterest income | $105,000 | 10,619 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $105,000 | 7,360 |
| Total noninterest expense | $1,306,000 | 8,215 |
| Salaries and employee benefits | $650,000 | 8,270 |
| Premises and equipment expense | $225,000 | 6,963 |
| Additional noninterest expense | $431,000 | 8,523 |
| Pre-tax net operating income | $1,146,000 | 5,412 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $394,000 | 4,811 |
| Income before extraordinary items | $752,000 | 5,602 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $752,000 | 5,619 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,455 |
| Cash dividends | $225,000 | 5,180 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $752,000 | 5,672 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,664,000 | 6,126 |
| Total interest expense | $2,294,000 | 5,177 |
| Net interest income | $2,370,000 | 6,796 |
| Provision for loan and lease losses | $90,000 | 6,008 |
| Total noninterest income | $145,000 | 10,311 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $145,000 | 6,670 |
| Total noninterest expense | $1,147,000 | 9,120 |
| Salaries and employee benefits | $527,000 | 9,404 |
| Premises and equipment expense | $221,000 | 7,269 |
| Additional noninterest expense | $399,000 | 9,275 |
| Pre-tax net operating income | $1,278,000 | 4,935 |
| Securities gains (losses) | $107,000 | 2,403 |
| Applicable income taxes | $507,000 | 4,134 |
| Income before extraordinary items | $878,000 | 5,192 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $878,000 | 5,334 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $301,000 | 4,355 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $809,520 | 5,277 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,529,000 | 6,866 |
| Total interest expense | $2,561,000 | 5,873 |
| Net interest income | $1,968,000 | 7,845 |
| Provision for loan and lease losses | $65,000 | 8,399 |
| Total noninterest income | $81,000 | 12,253 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $81,000 | 8,805 |
| Total noninterest expense | $1,045,000 | 9,770 |
| Salaries and employee benefits | $464,000 | 10,154 |
| Premises and equipment expense | $119,000 | 10,050 |
| Additional noninterest expense | $462,000 | 8,841 |
| Pre-tax net operating income | $939,000 | 5,907 |
| Securities gains (losses) | $194,000 | 2,051 |
| Applicable income taxes | $450,000 | 4,365 |
| Income before extraordinary items | $683,000 | 6,024 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $683,000 | 6,098 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 9,186 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $15,000 | 1,041 |
| Net operating income | $558,840 | 6,498 |
* 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.