Home > INSOUTH Bank of Shelby County > Income and Expense
INSOUTH Bank of Shelby County, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,193,000 | 3,515 |
| Total interest expense | $4,650,000 | 3,194 |
| Net interest income | $4,543,000 | 3,798 |
| Provision for loan and lease losses | $390,000 | 2,143 |
| Total noninterest income | $314,000 | 6,500 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $235,000 | 4,847 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $79,000 | 7,409 |
| Total noninterest expense | $3,081,000 | 4,013 |
| Salaries and employee benefits | $1,253,000 | 4,921 |
| Premises and equipment expense | $576,000 | 3,268 |
| Additional noninterest expense | $1,252,000 | 3,231 |
| Pre-tax net operating income | $1,386,000 | 4,749 |
| Securities gains (losses) | $79,000 | 1,094 |
| Applicable income taxes | $558,000 | 3,887 |
| Income before extraordinary items | $907,000 | 5,024 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $907,000 | 5,026 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,907 |
| Cash dividends | $317,000 | 4,442 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $856,440 | 5,178 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,828,000 | 4,669 |
| Total interest expense | $3,407,000 | 4,292 |
| Net interest income | $3,421,000 | 4,924 |
| Provision for loan and lease losses | $120,000 | 4,568 |
| Total noninterest income | $296,000 | 6,999 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $239,000 | 4,983 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $57,000 | 8,577 |
| Total noninterest expense | $2,645,000 | 4,799 |
| Salaries and employee benefits | $1,046,000 | 5,808 |
| Premises and equipment expense | $577,000 | 3,337 |
| Additional noninterest expense | $1,022,000 | 4,332 |
| Pre-tax net operating income | $952,000 | 5,911 |
| Securities gains (losses) | $42,000 | 1,458 |
| Applicable income taxes | $408,000 | 4,832 |
| Income before extraordinary items | $586,000 | 6,352 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $586,000 | 6,354 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,926 |
| Cash dividends | $359,000 | 4,145 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $559,120 | 6,445 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,858,000 | 5,300 |
| Total interest expense | $3,023,000 | 4,720 |
| Net interest income | $2,835,000 | 5,755 |
| Provision for loan and lease losses | $25,000 | 7,325 |
| Total noninterest income | $463,000 | 5,457 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $200,000 | 5,690 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $263,000 | 4,353 |
| Total noninterest expense | $2,291,000 | 5,374 |
| Salaries and employee benefits | $923,000 | 6,442 |
| Premises and equipment expense | $354,000 | 4,980 |
| Additional noninterest expense | $1,014,000 | 4,303 |
| Pre-tax net operating income | $982,000 | 6,071 |
| Securities gains (losses) | $-7,000 | 9,876 |
| Applicable income taxes | $351,000 | 5,431 |
| Income before extraordinary items | $624,000 | 6,469 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $624,000 | 6,467 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 4,677 |
| Cash dividends | $348,000 | 4,223 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $628,480 | 6,428 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,552,000 | 6,090 |
| Total interest expense | $1,916,000 | 5,804 |
| Net interest income | $2,636,000 | 6,202 |
| Provision for loan and lease losses | $-96,000 | 12,132 |
| Total noninterest income | $356,000 | 6,602 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $258,000 | 4,925 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $98,000 | 7,572 |
| Total noninterest expense | $1,964,000 | 6,299 |
| Salaries and employee benefits | $798,000 | 7,221 |
| Premises and equipment expense | $325,000 | 5,372 |
| Additional noninterest expense | $841,000 | 5,469 |
| Pre-tax net operating income | $1,124,000 | 5,480 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $429,000 | 4,533 |
| Income before extraordinary items | $695,000 | 5,946 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $695,000 | 5,962 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-206,000 | 12,414 |
| Cash dividends | $315,000 | 4,328 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $695,000 | 6,007 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,678,000 | 7,302 |
| Total interest expense | $1,463,000 | 7,327 |
| Net interest income | $2,215,000 | 7,148 |
| Provision for loan and lease losses | $140,000 | 4,819 |
| Total noninterest income | $246,000 | 8,423 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $222,000 | 5,568 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $24,000 | 11,745 |
| Total noninterest expense | $1,812,000 | 6,848 |
| Salaries and employee benefits | $724,000 | 7,834 |
| Premises and equipment expense | $309,000 | 5,704 |
| Additional noninterest expense | $779,000 | 6,047 |
| Pre-tax net operating income | $509,000 | 8,607 |
| Securities gains (losses) | $2,000 | 6,773 |
| Applicable income taxes | $197,000 | 7,680 |
| Income before extraordinary items | $314,000 | 9,317 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $314,000 | 9,486 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-26,000 | 12,290 |
| Cash dividends | $62,000 | 7,666 |
| Sale, conversion, retirement of capital stock, net | $500,000 | 593 |
| Net operating income | $312,720 | 9,076 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,191,000 | 8,650 |
| Total interest expense | $1,487,000 | 8,550 |
| Net interest income | $1,704,000 | 8,633 |
| Provision for loan and lease losses | $209,000 | 5,111 |
| Total noninterest income | $295,000 | 7,801 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $214,000 | 5,737 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $81,000 | 8,805 |
| Total noninterest expense | $1,720,000 | 7,212 |
| Salaries and employee benefits | $686,000 | 8,102 |
| Premises and equipment expense | $269,000 | 6,453 |
| Additional noninterest expense | $765,000 | 6,311 |
| Pre-tax net operating income | $70,000 | 12,272 |
| Securities gains (losses) | $28,000 | 5,098 |
| Applicable income taxes | $17,000 | 12,189 |
| Income before extraordinary items | $81,000 | 12,203 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $81,000 | 12,240 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $222,000 | 3,977 |
| Cash dividends | $50,000 | 7,650 |
| Sale, conversion, retirement of capital stock, net | $1,000,000 | 408 |
| Net operating income | $57,760 | 12,216 |
* 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.