Home > First Southern National Bank of Madison County > Income and Expense
First Southern National Bank of Madison County, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $963,000 | 10,336 |
| Total interest expense | $538,000 | 10,004 |
| Net interest income | $425,000 | 10,526 |
| Provision for loan and lease losses | $150,000 | 4,117 |
| Total noninterest income | $32,000 | 10,548 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $28,000 | 8,963 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,000 | 10,710 |
| Total noninterest expense | $980,000 | 8,416 |
| Salaries and employee benefits | $522,000 | 8,444 |
| Premises and equipment expense | $135,000 | 8,126 |
| Additional noninterest expense | $323,000 | 8,096 |
| Pre-tax net operating income | $-673,000 | 10,794 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $-233,000 | 10,807 |
| Income before extraordinary items | $-440,000 | 10,739 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-440,000 | 10,739 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-440,000 | 10,721 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,632,000 | 9,929 |
| Total interest expense | $692,000 | 9,988 |
| Net interest income | $940,000 | 9,728 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $47,000 | 10,902 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $42,000 | 9,055 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $5,000 | 11,207 |
| Total noninterest expense | $927,000 | 8,977 |
| Salaries and employee benefits | $516,000 | 8,745 |
| Premises and equipment expense | $154,000 | 7,965 |
| Additional noninterest expense | $257,000 | 9,318 |
| Pre-tax net operating income | $60,000 | 10,553 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $18,000 | 10,236 |
| Income before extraordinary items | $42,000 | 10,627 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $42,000 | 10,625 |
| 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 | $42,000 | 10,578 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,013,000 | 11,256 |
| Total interest expense | $473,000 | 11,121 |
| Net interest income | $540,000 | 11,304 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $27,000 | 11,697 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $24,000 | 9,923 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,000 | 11,841 |
| Total noninterest expense | $574,000 | 10,687 |
| Salaries and employee benefits | $374,000 | 10,132 |
| Premises and equipment expense | $72,000 | 10,422 |
| Additional noninterest expense | $128,000 | 11,335 |
| Pre-tax net operating income | $-7,000 | 11,506 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $-8,000 | 11,512 |
| Income before extraordinary items | $1,000 | 11,493 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,000 | 11,490 |
| 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 | $0 | 809 |
| Net operating income | $1,000 | 11,463 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $722,000 | 12,179 |
| Total interest expense | $241,000 | 12,234 |
| Net interest income | $481,000 | 12,059 |
| Provision for loan and lease losses | $100,000 | 4,522 |
| Total noninterest income | $38,000 | 12,154 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $28,000 | 10,369 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $10,000 | 12,083 |
| Total noninterest expense | $471,000 | 11,749 |
| Salaries and employee benefits | $234,000 | 11,802 |
| Premises and equipment expense | $42,000 | 11,924 |
| Additional noninterest expense | $195,000 | 11,210 |
| Pre-tax net operating income | $-52,000 | 12,168 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $-31,000 | 12,160 |
| Income before extraordinary items | $-21,000 | 12,073 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-21,000 | 12,075 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $247,000 | 5,002 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $-21,000 | 12,096 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $596,000 | 12,946 |
| Total interest expense | $172,000 | 13,067 |
| Net interest income | $424,000 | 12,752 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $19,000 | 13,082 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $13,000 | 11,144 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $6,000 | 12,981 |
| Total noninterest expense | $337,000 | 12,865 |
| Salaries and employee benefits | $138,000 | 13,051 |
| Premises and equipment expense | $52,000 | 12,143 |
| Additional noninterest expense | $147,000 | 12,465 |
| Pre-tax net operating income | $106,000 | 11,825 |
| Securities gains (losses) | $13,000 | 5,183 |
| Applicable income taxes | $-10,000 | 12,784 |
| Income before extraordinary items | $129,000 | 11,471 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $129,000 | 11,535 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $116,000 | 11,421 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $461,000 | 13,730 |
| Total interest expense | $106,000 | 13,815 |
| Net interest income | $355,000 | 13,496 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $7,000 | 13,816 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $7,000 | 11,651 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $0 | 13,866 |
| Total noninterest expense | $241,000 | 13,720 |
| Salaries and employee benefits | $91,000 | 13,808 |
| Premises and equipment expense | $50,000 | 12,683 |
| Additional noninterest expense | $100,000 | 13,523 |
| Pre-tax net operating income | $121,000 | 11,796 |
| Securities gains (losses) | $1,000 | 7,986 |
| Applicable income taxes | $-22,000 | 13,431 |
| Income before extraordinary items | $144,000 | 11,361 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $144,000 | 11,441 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $143,000 | 11,033 |
* 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.