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First Southern Savings Bank, S.S.B, Income and Expense

1994-12-31 (YTD Data)Rank
Total interest income$22,507,0001,380
Total interest expense$10,649,0001,236
Net interest income$11,858,0001,516
Provision for loan and lease losses$105,0004,433
Total noninterest income$1,770,0002,010
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$499,0002,752
Trading account gains and fees$0475
Additional Noninterest Income$1,271,0001,566
Total noninterest expense$7,386,0001,940
Salaries and employee benefits$3,769,0001,790
Premises and equipment expense$776,0002,596
Additional noninterest expense$2,841,0001,905
Pre-tax net operating income$6,137,0001,218
Securities gains (losses)$03,600
Applicable income taxes$2,436,0001,023
Income before extraordinary items$3,701,0001,354
Extraordinary gains, net$0249
Net income$3,701,0001,356
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-75,00012,106
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$126,000765
Net operating income$3,701,0001,367
1993-12-31 (YTD Data)Rank
Total interest income$20,601,0001,528
Total interest expense$10,415,0001,292
Net interest income$10,186,0001,769
Provision for loan and lease losses$320,0002,859
Total noninterest income$2,212,0001,831
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$542,0002,571
Trading account gains and fees$0532
Additional Noninterest Income$1,670,0001,420
Total noninterest expense$7,781,0001,907
Salaries and employee benefits$3,815,0001,757
Premises and equipment expense$794,0002,573
Additional noninterest expense$3,172,0001,833
Pre-tax net operating income$4,297,0001,615
Securities gains (losses)$07,477
Applicable income taxes$1,677,0001,415
Income before extraordinary items$2,620,0001,910
Extraordinary gains, net$300,000714
Net income$2,920,0001,783
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-14,00011,928
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$8,928,000131
Net operating income$2,620,0001,797
1992-12-31 (YTD Data)Rank
Total interest income$21,629,0001,651
Total interest expense$12,682,0001,388
Net interest income$8,947,0002,043
Provision for loan and lease losses$1,121,0001,706
Total noninterest income$2,193,0001,825
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$595,0002,309
Trading account gains and fees$0504
Additional Noninterest Income$1,598,0001,446
Total noninterest expense$7,283,0002,022
Salaries and employee benefits$3,204,0002,053
Premises and equipment expense$773,0002,683
Additional noninterest expense$3,306,0001,832
Pre-tax net operating income$2,736,0002,259
Securities gains (losses)$08,369
Applicable income taxes$1,143,0001,846
Income before extraordinary items$1,593,0002,885
Extraordinary gains, net$01,422
Net income$1,593,0002,922
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$672,0002,038
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$1,593,0002,664

* 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.