Home > First Southern National Bank of the Bluegrass > Income and Expense
First Southern National Bank of the Bluegrass, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,817,000 | 6,825 |
| Total interest expense | $1,708,000 | 6,871 |
| Net interest income | $2,109,000 | 6,699 |
| Provision for loan and lease losses | $100,000 | 5,146 |
| Total noninterest income | $153,000 | 8,524 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $137,000 | 6,415 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $16,000 | 10,083 |
| Total noninterest expense | $1,957,000 | 5,735 |
| Salaries and employee benefits | $985,000 | 5,923 |
| Premises and equipment expense | $367,000 | 4,734 |
| Additional noninterest expense | $605,000 | 5,771 |
| Pre-tax net operating income | $205,000 | 9,546 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $61,000 | 9,066 |
| Income before extraordinary items | $144,000 | 9,640 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $144,000 | 9,641 |
| 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 | $144,000 | 9,590 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,867,000 | 9,561 |
| Total interest expense | $708,000 | 9,940 |
| Net interest income | $1,159,000 | 9,131 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $59,000 | 10,697 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $53,000 | 8,756 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $6,000 | 11,162 |
| Total noninterest expense | $948,000 | 8,886 |
| Salaries and employee benefits | $407,000 | 9,556 |
| Premises and equipment expense | $184,000 | 7,341 |
| Additional noninterest expense | $357,000 | 8,296 |
| Pre-tax net operating income | $270,000 | 9,331 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $87,000 | 8,980 |
| Income before extraordinary items | $183,000 | 9,466 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $183,000 | 9,468 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 10,612 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $183,000 | 9,407 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,058,000 | 11,185 |
| Total interest expense | $440,000 | 11,216 |
| Net interest income | $618,000 | 11,078 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $35,000 | 11,581 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $30,000 | 9,793 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $5,000 | 11,753 |
| Total noninterest expense | $704,000 | 10,176 |
| Salaries and employee benefits | $317,000 | 10,612 |
| Premises and equipment expense | $151,000 | 8,239 |
| Additional noninterest expense | $236,000 | 9,985 |
| Pre-tax net operating income | $-51,000 | 11,563 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $-19,000 | 11,553 |
| Income before extraordinary items | $-32,000 | 11,552 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-32,000 | 11,551 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,876 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $-32,000 | 11,528 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $635,000 | 12,272 |
| Total interest expense | $191,000 | 12,357 |
| Net interest income | $444,000 | 12,148 |
| Provision for loan and lease losses | $100,000 | 4,522 |
| Total noninterest income | $28,000 | 12,289 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $25,000 | 10,448 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,000 | 12,453 |
| Total noninterest expense | $568,000 | 11,275 |
| Salaries and employee benefits | $214,000 | 11,964 |
| Premises and equipment expense | $140,000 | 8,820 |
| Additional noninterest expense | $214,000 | 10,973 |
| Pre-tax net operating income | $-196,000 | 12,261 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $-66,000 | 12,251 |
| Income before extraordinary items | $-130,000 | 12,181 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-130,000 | 12,181 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $-130,000 | 12,199 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $450,000 | 13,091 |
| Total interest expense | $118,000 | 13,151 |
| Net interest income | $332,000 | 12,948 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $13,000 | 13,142 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $10,000 | 11,204 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,000 | 13,123 |
| Total noninterest expense | $772,000 | 10,812 |
| Salaries and employee benefits | $149,000 | 12,986 |
| Premises and equipment expense | $59,000 | 11,888 |
| Additional noninterest expense | $564,000 | 7,653 |
| Pre-tax net operating income | $-427,000 | 12,820 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $-145,000 | 12,999 |
| Income before extraordinary items | $-282,000 | 12,816 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-282,000 | 12,822 |
| 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 | $-282,000 | 12,742 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $261,000 | 13,841 |
| Total interest expense | $57,000 | 13,852 |
| Net interest income | $204,000 | 13,768 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $3,000 | 13,855 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $2,000 | 11,730 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,000 | 13,843 |
| Total noninterest expense | $447,000 | 12,914 |
| Salaries and employee benefits | $123,000 | 13,706 |
| Premises and equipment expense | $37,000 | 13,172 |
| Additional noninterest expense | $287,000 | 11,020 |
| Pre-tax net operating income | $-240,000 | 13,129 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $-82,000 | 13,558 |
| Income before extraordinary items | $-158,000 | 13,134 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-158,000 | 13,129 |
| 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 | $-158,000 | 12,998 |
* 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.