Home > First Southern National Bank > Income and Expense
First Southern National Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $11,234,000 | 2,904 |
| Total interest expense | $4,881,000 | 3,049 |
| Net interest income | $6,353,000 | 2,739 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $507,000 | 4,963 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $373,000 | 3,419 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $134,000 | 5,994 |
| Total noninterest expense | $4,258,000 | 3,000 |
| Salaries and employee benefits | $2,068,000 | 3,207 |
| Premises and equipment expense | $655,000 | 2,914 |
| Additional noninterest expense | $1,535,000 | 2,677 |
| Pre-tax net operating income | $2,602,000 | 2,817 |
| Securities gains (losses) | $-1,000 | 9,009 |
| Applicable income taxes | $861,000 | 2,764 |
| Income before extraordinary items | $1,740,000 | 2,928 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,740,000 | 2,927 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,548 |
| Cash dividends | $331,000 | 4,348 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,740,670 | 2,874 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,987,000 | 4,045 |
| Total interest expense | $2,892,000 | 4,947 |
| Net interest income | $5,095,000 | 3,475 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $446,000 | 5,575 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $283,000 | 4,413 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $163,000 | 5,724 |
| Total noninterest expense | $2,702,000 | 4,706 |
| Salaries and employee benefits | $1,184,000 | 5,272 |
| Premises and equipment expense | $363,000 | 4,903 |
| Additional noninterest expense | $1,155,000 | 3,906 |
| Pre-tax net operating income | $2,839,000 | 2,481 |
| Securities gains (losses) | $-2,000 | 9,485 |
| Applicable income taxes | $967,000 | 2,426 |
| Income before extraordinary items | $1,870,000 | 2,605 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,870,000 | 2,607 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 7,019 |
| Cash dividends | $1,783,000 | 1,404 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,871,320 | 2,562 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,020,000 | 4,544 |
| Total interest expense | $2,512,000 | 5,544 |
| Net interest income | $4,508,000 | 3,895 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $377,000 | 6,200 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $290,000 | 4,424 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $87,000 | 7,676 |
| Total noninterest expense | $2,434,000 | 5,117 |
| Salaries and employee benefits | $1,110,000 | 5,563 |
| Premises and equipment expense | $298,000 | 5,659 |
| Additional noninterest expense | $1,026,000 | 4,260 |
| Pre-tax net operating income | $2,451,000 | 2,904 |
| Securities gains (losses) | $-13,000 | 10,273 |
| Applicable income taxes | $833,000 | 2,782 |
| Income before extraordinary items | $1,605,000 | 3,051 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,605,000 | 3,047 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 10,842 |
| Cash dividends | $1,170,000 | 1,805 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,613,580 | 3,012 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,984,000 | 4,224 |
| Total interest expense | $1,976,000 | 5,664 |
| Net interest income | $5,008,000 | 3,563 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $362,000 | 6,522 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $280,000 | 4,611 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $82,000 | 8,157 |
| Total noninterest expense | $2,439,000 | 5,265 |
| Salaries and employee benefits | $903,000 | 6,610 |
| Premises and equipment expense | $287,000 | 5,908 |
| Additional noninterest expense | $1,249,000 | 3,915 |
| Pre-tax net operating income | $2,931,000 | 2,430 |
| Securities gains (losses) | $-2,000 | 9,023 |
| Applicable income taxes | $1,066,000 | 2,103 |
| Income before extraordinary items | $1,863,000 | 2,607 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,863,000 | 2,606 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 10,929 |
| Cash dividends | $1,888,000 | 1,174 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,864,280 | 2,627 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,163,000 | 4,227 |
| Total interest expense | $1,971,000 | 5,905 |
| Net interest income | $5,192,000 | 3,446 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $335,000 | 7,208 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $265,000 | 4,878 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $70,000 | 9,084 |
| Total noninterest expense | $2,733,000 | 4,874 |
| Salaries and employee benefits | $802,000 | 7,308 |
| Premises and equipment expense | $271,000 | 6,324 |
| Additional noninterest expense | $1,660,000 | 3,215 |
| Pre-tax net operating income | $2,794,000 | 2,459 |
| Securities gains (losses) | $1,000 | 7,052 |
| Applicable income taxes | $1,008,000 | 2,244 |
| Income before extraordinary items | $1,787,000 | 2,781 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,787,000 | 2,862 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-38,000 | 12,509 |
| Cash dividends | $2,338,000 | 889 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,786,360 | 2,632 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,732,000 | 4,986 |
| Total interest expense | $2,364,000 | 6,258 |
| Net interest income | $4,368,000 | 4,119 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $361,000 | 6,958 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $277,000 | 4,735 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $84,000 | 8,687 |
| Total noninterest expense | $2,497,000 | 5,316 |
| Salaries and employee benefits | $709,000 | 7,918 |
| Premises and equipment expense | $201,000 | 7,807 |
| Additional noninterest expense | $1,587,000 | 3,423 |
| Pre-tax net operating income | $2,232,000 | 2,792 |
| Securities gains (losses) | $19,000 | 5,661 |
| Applicable income taxes | $812,000 | 2,579 |
| Income before extraordinary items | $1,439,000 | 3,203 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,439,000 | 3,239 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-42,000 | 13,414 |
| Cash dividends | $750,000 | 2,008 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,426,840 | 2,989 |
* 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.