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First Southern State Bank, Income and Expense

1995-12-31 (YTD Data)Rank
Total interest income$3,002,0008,199
Total interest expense$1,182,0008,643
Net interest income$1,820,0007,713
Provision for loan and lease losses$89,0004,893
Total noninterest income$80,00010,736
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$72,0008,553
Trading account gains and feesNANA
Additional Noninterest Income$8,00011,604
Total noninterest expense$1,478,0007,339
Salaries and employee benefits$787,0007,175
Premises and equipment expense$199,0007,213
Additional noninterest expense$492,0007,319
Pre-tax net operating income$333,0009,509
Securities gains (losses)$03,831
Applicable income taxes$43,00010,315
Income before extraordinary items$290,0009,038
Extraordinary gains, net$065
Net income$290,0009,044
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$114,0003,470
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$290,0009,003
1994-12-31 (YTD Data)Rank
Total interest income$2,250,0009,341
Total interest expense$727,0009,945
Net interest income$1,523,0008,818
Provision for loan and lease losses$12,0008,270
Total noninterest income$59,00011,739
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$54,0009,555
Trading account gains and feesNANA
Additional Noninterest Income$5,00012,349
Total noninterest expense$1,353,0008,069
Salaries and employee benefits$697,0007,907
Premises and equipment expense$157,0008,368
Additional noninterest expense$499,0007,861
Pre-tax net operating income$217,00010,755
Securities gains (losses)$03,600
Applicable income taxes$50,00010,470
Income before extraordinary items$167,00010,635
Extraordinary gains, net$0249
Net income$167,00010,641
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-20,00011,264
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$167,00010,679
1993-12-31 (YTD Data)Rank
Total interest income$2,011,00010,151
Total interest expense$758,00010,264
Net interest income$1,253,0009,894
Provision for loan and lease losses$534,0002,008
Total noninterest income$50,00012,542
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$45,00010,233
Trading account gains and feesNANA
Additional Noninterest Income$5,00013,037
Total noninterest expense$1,272,0008,614
Salaries and employee benefits$603,0008,782
Premises and equipment expense$112,00010,057
Additional noninterest expense$557,0007,709
Pre-tax net operating income$-503,00012,858
Securities gains (losses)$07,477
Applicable income taxes$012,141
Income before extraordinary items$-503,00012,895
Extraordinary gains, net$173,0001,116
Net income$-330,00012,839
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$488,0001,794
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$-503,00012,838
1992-12-31 (YTD Data)Rank
Total interest income$2,188,00010,503
Total interest expense$1,024,00010,292
Net interest income$1,164,00010,454
Provision for loan and lease losses$116,0006,901
Total noninterest income$41,00013,319
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$37,00010,808
Trading account gains and feesNANA
Additional Noninterest Income$4,00013,723
Total noninterest expense$1,160,0009,238
Salaries and employee benefits$559,0009,189
Premises and equipment expense$108,00010,453
Additional noninterest expense$493,0008,524
Pre-tax net operating income$-71,00012,897
Securities gains (losses)$08,369
Applicable income taxes$012,680
Income before extraordinary items$-71,00013,022
Extraordinary gains, net$01,422
Net income$-71,00013,014
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$011,197
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$-71,00012,860

* 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.