Home > INSOUTH Bank of Covington > Income and Expense
INSOUTH Bank of Covington, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $10,372,000 | 3,118 |
| Total interest expense | $5,922,000 | 2,518 |
| Net interest income | $4,450,000 | 3,847 |
| Provision for loan and lease losses | $290,000 | 2,696 |
| Total noninterest income | $501,000 | 4,990 |
| Gross Fiduciary activities income | $3,000 | 1,400 |
| Service charges on deposit accounts | $385,000 | 3,331 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $113,000 | 6,436 |
| Total noninterest expense | $2,661,000 | 4,539 |
| Salaries and employee benefits | $1,199,000 | 5,103 |
| Premises and equipment expense | $338,000 | 5,033 |
| Additional noninterest expense | $1,124,000 | 3,538 |
| Pre-tax net operating income | $2,000,000 | 3,532 |
| Securities gains (losses) | $85,000 | 1,060 |
| Applicable income taxes | $746,000 | 3,090 |
| Income before extraordinary items | $1,339,000 | 3,703 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,339,000 | 3,703 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 3,945 |
| Cash dividends | $550,000 | 3,253 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,284,600 | 3,768 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,265,000 | 3,912 |
| Total interest expense | $4,614,000 | 3,241 |
| Net interest income | $3,651,000 | 4,662 |
| Provision for loan and lease losses | $168,000 | 3,843 |
| Total noninterest income | $513,000 | 5,067 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $377,000 | 3,508 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $136,000 | 6,251 |
| Total noninterest expense | $2,453,000 | 5,077 |
| Salaries and employee benefits | $1,093,000 | 5,607 |
| Premises and equipment expense | $367,000 | 4,862 |
| Additional noninterest expense | $993,000 | 4,431 |
| Pre-tax net operating income | $1,543,000 | 4,239 |
| Securities gains (losses) | $49,000 | 1,339 |
| Applicable income taxes | $558,000 | 3,794 |
| Income before extraordinary items | $1,034,000 | 4,361 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,034,000 | 4,362 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 6,265 |
| Cash dividends | $500,000 | 3,368 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,002,150 | 4,451 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,096,000 | 4,503 |
| Total interest expense | $3,827,000 | 3,824 |
| Net interest income | $3,269,000 | 5,145 |
| Provision for loan and lease losses | $168,000 | 3,414 |
| Total noninterest income | $392,000 | 6,066 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $318,000 | 4,084 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $74,000 | 8,198 |
| Total noninterest expense | $2,161,000 | 5,644 |
| Salaries and employee benefits | $1,007,000 | 6,031 |
| Premises and equipment expense | $243,000 | 6,462 |
| Additional noninterest expense | $911,000 | 4,719 |
| Pre-tax net operating income | $1,332,000 | 4,871 |
| Securities gains (losses) | $-4,000 | 9,551 |
| Applicable income taxes | $438,000 | 4,605 |
| Income before extraordinary items | $890,000 | 5,036 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $890,000 | 5,036 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,638 |
| Cash dividends | $500,000 | 3,291 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $892,680 | 5,012 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,429,000 | 5,302 |
| Total interest expense | $2,461,000 | 4,714 |
| Net interest income | $2,968,000 | 5,650 |
| Provision for loan and lease losses | $189,000 | 3,138 |
| Total noninterest income | $318,000 | 7,015 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $248,000 | 5,083 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $70,000 | 8,653 |
| Total noninterest expense | $2,108,000 | 5,947 |
| Salaries and employee benefits | $968,000 | 6,252 |
| Premises and equipment expense | $223,000 | 7,003 |
| Additional noninterest expense | $917,000 | 5,095 |
| Pre-tax net operating income | $989,000 | 6,009 |
| Securities gains (losses) | $6,000 | 2,522 |
| Applicable income taxes | $325,000 | 5,574 |
| Income before extraordinary items | $670,000 | 6,098 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $670,000 | 6,116 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 7,012 |
| Cash dividends | $517,000 | 3,110 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $665,980 | 6,188 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,892,000 | 6,996 |
| Total interest expense | $1,648,000 | 6,746 |
| Net interest income | $2,244,000 | 7,048 |
| Provision for loan and lease losses | $75,000 | 6,449 |
| Total noninterest income | $322,000 | 7,357 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $243,000 | 5,221 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $79,000 | 8,670 |
| Total noninterest expense | $1,913,000 | 6,583 |
| Salaries and employee benefits | $892,000 | 6,761 |
| Premises and equipment expense | $183,000 | 8,063 |
| Additional noninterest expense | $838,000 | 5,700 |
| Pre-tax net operating income | $578,000 | 8,099 |
| Securities gains (losses) | $23,000 | 4,484 |
| Applicable income taxes | $172,000 | 8,163 |
| Income before extraordinary items | $429,000 | 8,146 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $429,000 | 8,308 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 8,678 |
| Cash dividends | $112,000 | 6,683 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $412,670 | 8,034 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,161,000 | 7,302 |
| Total interest expense | $1,861,000 | 7,447 |
| Net interest income | $2,300,000 | 7,008 |
| Provision for loan and lease losses | $87,000 | 7,678 |
| Total noninterest income | $270,000 | 8,178 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $195,000 | 6,087 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $75,000 | 9,058 |
| Total noninterest expense | $1,764,000 | 7,066 |
| Salaries and employee benefits | $828,000 | 7,080 |
| Premises and equipment expense | $151,000 | 9,075 |
| Additional noninterest expense | $785,000 | 6,166 |
| Pre-tax net operating income | $719,000 | 7,000 |
| Securities gains (losses) | $16,000 | 5,884 |
| Applicable income taxes | $207,000 | 7,418 |
| Income before extraordinary items | $528,000 | 7,101 |
| Extraordinary gains, net | $73,000 | 872 |
| Net income | $601,000 | 6,653 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 5,577 |
| Cash dividends | $411,000 | 3,237 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $516,480 | 6,817 |
* 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.