Home > First Southern National Bank of Wayne County > Income and Expense
First Southern National Bank of Wayne County, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,008,000 | 6,657 |
| Total interest expense | $1,772,000 | 6,741 |
| Net interest income | $2,236,000 | 6,463 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $209,000 | 7,726 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $108,000 | 7,024 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $101,000 | 6,756 |
| Total noninterest expense | $1,318,000 | 7,264 |
| Salaries and employee benefits | $612,000 | 7,838 |
| Premises and equipment expense | $126,000 | 8,337 |
| Additional noninterest expense | $580,000 | 5,940 |
| Pre-tax net operating income | $1,127,000 | 5,444 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $347,000 | 5,340 |
| Income before extraordinary items | $780,000 | 5,540 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $780,000 | 5,542 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 9,540 |
| Cash dividends | $276,000 | 4,744 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $780,000 | 5,499 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,450,000 | 7,458 |
| Total interest expense | $1,621,000 | 7,279 |
| Net interest income | $1,829,000 | 7,498 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $123,000 | 9,477 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $99,000 | 7,516 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $24,000 | 10,174 |
| Total noninterest expense | $1,168,000 | 8,075 |
| Salaries and employee benefits | $513,000 | 8,771 |
| Premises and equipment expense | $131,000 | 8,508 |
| Additional noninterest expense | $524,000 | 6,883 |
| Pre-tax net operating income | $784,000 | 6,571 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $261,000 | 6,301 |
| Income before extraordinary items | $523,000 | 6,742 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $523,000 | 6,745 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 10,098 |
| Cash dividends | $623,000 | 2,965 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $523,000 | 6,688 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,628,000 | 7,391 |
| Total interest expense | $1,547,000 | 7,568 |
| Net interest income | $2,081,000 | 7,118 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $123,000 | 9,801 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $94,000 | 7,930 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $29,000 | 10,336 |
| Total noninterest expense | $1,171,000 | 8,310 |
| Salaries and employee benefits | $496,000 | 9,148 |
| Premises and equipment expense | $117,000 | 9,135 |
| Additional noninterest expense | $558,000 | 6,793 |
| Pre-tax net operating income | $1,033,000 | 5,859 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $351,000 | 5,431 |
| Income before extraordinary items | $682,000 | 6,103 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $682,000 | 6,101 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 10,150 |
| Cash dividends | $374,000 | 4,055 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $682,000 | 6,073 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,580,000 | 7,226 |
| Total interest expense | $1,281,000 | 7,615 |
| Net interest income | $2,299,000 | 6,862 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $157,000 | 9,573 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $92,000 | 8,308 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $65,000 | 8,873 |
| Total noninterest expense | $1,193,000 | 8,626 |
| Salaries and employee benefits | $515,000 | 9,254 |
| Premises and equipment expense | $144,000 | 8,713 |
| Additional noninterest expense | $534,000 | 7,564 |
| Pre-tax net operating income | $1,263,000 | 5,043 |
| Securities gains (losses) | $-5,000 | 9,408 |
| Applicable income taxes | $426,000 | 4,556 |
| Income before extraordinary items | $832,000 | 5,201 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $832,000 | 5,209 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 10,805 |
| Cash dividends | $260,000 | 4,812 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $835,300 | 5,248 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,251,000 | 7,922 |
| Total interest expense | $1,030,000 | 8,966 |
| Net interest income | $2,221,000 | 7,125 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $119,000 | 10,855 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $90,000 | 8,693 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $29,000 | 11,374 |
| Total noninterest expense | $1,246,000 | 8,713 |
| Salaries and employee benefits | $455,000 | 10,093 |
| Premises and equipment expense | $126,000 | 9,610 |
| Additional noninterest expense | $665,000 | 6,824 |
| Pre-tax net operating income | $1,094,000 | 5,528 |
| Securities gains (losses) | $-6,000 | 12,616 |
| Applicable income taxes | $369,000 | 5,305 |
| Income before extraordinary items | $719,000 | 5,996 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $719,000 | 6,155 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 11,891 |
| Cash dividends | $964,000 | 1,835 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $722,960 | 5,711 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,518,000 | 8,159 |
| Total interest expense | $1,337,000 | 9,096 |
| Net interest income | $2,181,000 | 7,291 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $129,000 | 10,953 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $81,000 | 9,135 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $48,000 | 10,527 |
| Total noninterest expense | $1,147,000 | 9,293 |
| Salaries and employee benefits | $426,000 | 10,562 |
| Premises and equipment expense | $113,000 | 10,290 |
| Additional noninterest expense | $608,000 | 7,442 |
| Pre-tax net operating income | $1,163,000 | 5,045 |
| Securities gains (losses) | $2,000 | 7,695 |
| Applicable income taxes | $392,000 | 4,873 |
| Income before extraordinary items | $773,000 | 5,504 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $773,000 | 5,566 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 12,654 |
| Cash dividends | $822,000 | 1,862 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $771,680 | 5,188 |
* 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.