Home > First State Bank of South Georgia > Income and Expense
First State Bank of South Georgia, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,570,000 | 6,759 |
| Total interest expense | $1,346,000 | 7,309 |
| Net interest income | $2,224,000 | 6,233 |
| Provision for loan and lease losses | $94,000 | 5,385 |
| Total noninterest income | $638,000 | 4,251 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $516,000 | 2,559 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $122,000 | 6,135 |
| Total noninterest expense | $2,232,000 | 5,282 |
| Salaries and employee benefits | $1,158,000 | 5,300 |
| Premises and equipment expense | $197,000 | 6,860 |
| Additional noninterest expense | $877,000 | 4,470 |
| Pre-tax net operating income | $536,000 | 6,977 |
| Securities gains (losses) | $19,000 | 1,429 |
| Applicable income taxes | $62,000 | 7,476 |
| Income before extraordinary items | $493,000 | 6,486 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $493,000 | 6,485 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,427 |
| Cash dividends | $210,000 | 5,136 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $476,090 | 6,542 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,557,000 | 6,892 |
| Total interest expense | $1,513,000 | 7,166 |
| Net interest income | $2,044,000 | 6,593 |
| Provision for loan and lease losses | $30,000 | 7,298 |
| Total noninterest income | $577,000 | 4,505 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $495,000 | 2,582 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $82,000 | 7,117 |
| Total noninterest expense | $2,110,000 | 5,381 |
| Salaries and employee benefits | $1,072,000 | 5,511 |
| Premises and equipment expense | $213,000 | 6,524 |
| Additional noninterest expense | $825,000 | 4,578 |
| Pre-tax net operating income | $481,000 | 7,474 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $62,000 | 8,116 |
| Income before extraordinary items | $419,000 | 7,096 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $419,000 | 7,094 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,498 |
| Cash dividends | $170,000 | 5,622 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $419,000 | 7,001 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,339,000 | 7,364 |
| Total interest expense | $1,433,000 | 7,508 |
| Net interest income | $1,906,000 | 7,113 |
| Provision for loan and lease losses | $20,000 | 7,880 |
| Total noninterest income | $406,000 | 5,678 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $354,000 | 3,585 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $52,000 | 8,342 |
| Total noninterest expense | $1,900,000 | 5,851 |
| Salaries and employee benefits | $1,026,000 | 5,760 |
| Premises and equipment expense | $191,000 | 7,010 |
| Additional noninterest expense | $683,000 | 5,318 |
| Pre-tax net operating income | $392,000 | 8,488 |
| Securities gains (losses) | $8,000 | 2,485 |
| Applicable income taxes | $59,000 | 9,108 |
| Income before extraordinary items | $341,000 | 8,071 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $341,000 | 8,074 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,572 |
| Cash dividends | $211,000 | 5,255 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $334,200 | 8,068 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,913,000 | 8,109 |
| Total interest expense | $1,248,000 | 8,244 |
| Net interest income | $1,665,000 | 7,865 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $299,000 | 6,966 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $178,000 | 5,952 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $121,000 | 6,566 |
| Total noninterest expense | $1,556,000 | 6,957 |
| Salaries and employee benefits | $818,000 | 6,898 |
| Premises and equipment expense | $150,000 | 8,057 |
| Additional noninterest expense | $588,000 | 6,428 |
| Pre-tax net operating income | $408,000 | 8,457 |
| Securities gains (losses) | $9,000 | 2,573 |
| Applicable income taxes | $-6,000 | 10,924 |
| Income before extraordinary items | $423,000 | 7,430 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $423,000 | 7,430 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 4,131 |
| Cash dividends | $1,000,000 | 2,117 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $414,000 | 7,450 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,665,000 | 8,690 |
| Total interest expense | $1,084,000 | 8,948 |
| Net interest income | $1,581,000 | 8,302 |
| Provision for loan and lease losses | $110,000 | 4,388 |
| Total noninterest income | $288,000 | 7,218 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $253,000 | 4,907 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $35,000 | 9,970 |
| Total noninterest expense | $1,272,000 | 7,943 |
| Salaries and employee benefits | $681,000 | 7,848 |
| Premises and equipment expense | $134,000 | 8,673 |
| Additional noninterest expense | $457,000 | 7,639 |
| Pre-tax net operating income | $487,000 | 8,507 |
| Securities gains (losses) | $-16,000 | 10,415 |
| Applicable income taxes | $95,000 | 9,268 |
| Income before extraordinary items | $376,000 | 8,263 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $376,000 | 8,264 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,662 |
| Cash dividends | $105,000 | 6,676 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $388,800 | 8,133 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,315,000 | 9,225 |
| Total interest expense | $823,000 | 9,487 |
| Net interest income | $1,492,000 | 8,910 |
| Provision for loan and lease losses | $60,000 | 5,594 |
| Total noninterest income | $249,000 | 7,964 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $218,000 | 5,548 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $31,000 | 10,719 |
| Total noninterest expense | $1,217,000 | 8,545 |
| Salaries and employee benefits | $645,000 | 8,307 |
| Premises and equipment expense | $122,000 | 9,334 |
| Additional noninterest expense | $450,000 | 8,314 |
| Pre-tax net operating income | $464,000 | 8,892 |
| Securities gains (losses) | $2,000 | 3,070 |
| Applicable income taxes | $77,000 | 9,880 |
| Income before extraordinary items | $389,000 | 8,287 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $389,000 | 8,290 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 4,022 |
| Cash dividends | $105,000 | 6,763 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $387,340 | 8,350 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,343,000 | 9,482 |
| Total interest expense | $873,000 | 9,674 |
| Net interest income | $1,470,000 | 9,204 |
| Provision for loan and lease losses | $110,000 | 5,504 |
| Total noninterest income | $288,000 | 7,829 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $254,000 | 5,049 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $34,000 | 11,040 |
| Total noninterest expense | $1,195,000 | 8,910 |
| Salaries and employee benefits | $621,000 | 8,626 |
| Premises and equipment expense | $118,000 | 9,857 |
| Additional noninterest expense | $456,000 | 8,657 |
| Pre-tax net operating income | $453,000 | 9,001 |
| Securities gains (losses) | $-7,000 | 12,665 |
| Applicable income taxes | $80,000 | 10,214 |
| Income before extraordinary items | $366,000 | 8,783 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $366,000 | 8,942 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 6,663 |
| Cash dividends | $90,000 | 7,115 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $371,740 | 8,461 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,560,000 | 9,795 |
| Total interest expense | $1,091,000 | 10,017 |
| Net interest income | $1,469,000 | 9,376 |
| Provision for loan and lease losses | $170,000 | 5,731 |
| Total noninterest income | $250,000 | 8,491 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $210,000 | 5,805 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $40,000 | 11,059 |
| Total noninterest expense | $1,171,000 | 9,174 |
| Salaries and employee benefits | $632,000 | 8,533 |
| Premises and equipment expense | $105,000 | 10,550 |
| Additional noninterest expense | $434,000 | 9,156 |
| Pre-tax net operating income | $378,000 | 9,440 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $84,000 | 10,333 |
| Income before extraordinary items | $294,000 | 9,408 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $294,000 | 9,542 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $149,000 | 4,906 |
| Cash dividends | $90,000 | 6,821 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $294,000 | 9,013 |
* 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.