Home > First Southern Bank > Income and Expense
First Southern Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,539,000 | 6,189 |
| Total interest expense | $2,022,000 | 6,225 |
| Net interest income | $2,517,000 | 6,028 |
| Provision for loan and lease losses | $180,000 | 3,648 |
| Total noninterest income | $1,227,000 | 2,582 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $936,000 | 1,375 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $291,000 | 4,002 |
| Total noninterest expense | $3,049,000 | 4,042 |
| Salaries and employee benefits | $1,591,000 | 4,032 |
| Premises and equipment expense | $580,000 | 3,244 |
| Additional noninterest expense | $878,000 | 4,403 |
| Pre-tax net operating income | $515,000 | 7,840 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $42,000 | 9,374 |
| Income before extraordinary items | $473,000 | 7,148 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $473,000 | 7,149 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 3,872 |
| Cash dividends | $150,000 | 5,875 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $473,000 | 7,100 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,012,000 | 6,861 |
| Total interest expense | $1,749,000 | 6,963 |
| Net interest income | $2,263,000 | 6,633 |
| Provision for loan and lease losses | $140,000 | 4,234 |
| Total noninterest income | $1,115,000 | 2,851 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $898,000 | 1,496 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $217,000 | 4,953 |
| Total noninterest expense | $2,820,000 | 4,521 |
| Salaries and employee benefits | $1,401,000 | 4,585 |
| Premises and equipment expense | $552,000 | 3,473 |
| Additional noninterest expense | $867,000 | 4,891 |
| Pre-tax net operating income | $418,000 | 8,404 |
| Securities gains (losses) | $14,000 | 2,256 |
| Applicable income taxes | $79,000 | 9,173 |
| Income before extraordinary items | $353,000 | 7,980 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $353,000 | 7,980 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $162,000 | 3,029 |
| Cash dividends | $50,000 | 7,494 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $341,520 | 8,019 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,168,000 | 7,981 |
| Total interest expense | $1,269,000 | 8,375 |
| Net interest income | $1,899,000 | 7,536 |
| Provision for loan and lease losses | $83,000 | 5,026 |
| Total noninterest income | $954,000 | 3,220 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $836,000 | 1,615 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $118,000 | 6,698 |
| Total noninterest expense | $2,305,000 | 5,348 |
| Salaries and employee benefits | $1,094,000 | 5,620 |
| Premises and equipment expense | $466,000 | 3,985 |
| Additional noninterest expense | $745,000 | 5,561 |
| Pre-tax net operating income | $465,000 | 8,655 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $126,000 | 8,697 |
| Income before extraordinary items | $339,000 | 8,576 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $339,000 | 8,580 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $109,000 | 3,566 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $339,000 | 8,546 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,397,000 | 9,095 |
| Total interest expense | $816,000 | 9,517 |
| Net interest income | $1,581,000 | 8,639 |
| Provision for loan and lease losses | $113,000 | 4,290 |
| Total noninterest income | $892,000 | 3,381 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $779,000 | 1,734 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $113,000 | 7,127 |
| Total noninterest expense | $2,014,000 | 6,172 |
| Salaries and employee benefits | $1,053,000 | 5,834 |
| Premises and equipment expense | $364,000 | 4,945 |
| Additional noninterest expense | $597,000 | 7,063 |
| Pre-tax net operating income | $346,000 | 9,761 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $6,000 | 11,474 |
| Income before extraordinary items | $340,000 | 8,721 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $340,000 | 8,723 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 3,482 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $340,000 | 8,787 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,909,000 | 10,366 |
| Total interest expense | $602,000 | 11,134 |
| Net interest income | $1,307,000 | 9,710 |
| Provision for loan and lease losses | $240,000 | 3,470 |
| Total noninterest income | $859,000 | 3,767 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $782,000 | 1,747 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $77,000 | 8,764 |
| Total noninterest expense | $1,761,000 | 7,004 |
| Salaries and employee benefits | $862,000 | 6,936 |
| Premises and equipment expense | $240,000 | 6,887 |
| Additional noninterest expense | $659,000 | 6,879 |
| Pre-tax net operating income | $165,000 | 11,357 |
| Securities gains (losses) | $18,000 | 4,806 |
| Applicable income taxes | $55,000 | 10,820 |
| Income before extraordinary items | $128,000 | 11,484 |
| Extraordinary gains, net | $55,000 | 2,093 |
| Net income | $183,000 | 10,933 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 6,463 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $115,400 | 11,441 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,830,000 | 11,237 |
| Total interest expense | $673,000 | 11,957 |
| Net interest income | $1,157,000 | 10,488 |
| Provision for loan and lease losses | $168,000 | 5,780 |
| Total noninterest income | $662,000 | 4,611 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $608,000 | 2,251 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $54,000 | 10,164 |
| Total noninterest expense | $1,437,000 | 8,147 |
| Salaries and employee benefits | $696,000 | 8,019 |
| Premises and equipment expense | $196,000 | 7,929 |
| Additional noninterest expense | $545,000 | 8,031 |
| Pre-tax net operating income | $214,000 | 10,938 |
| Securities gains (losses) | $97,000 | 3,051 |
| Applicable income taxes | $105,000 | 9,775 |
| Income before extraordinary items | $206,000 | 10,515 |
| Extraordinary gains, net | $105,000 | 724 |
| Net income | $311,000 | 9,299 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $138,000 | 5,100 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $141,980 | 11,053 |
* 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.