Home > National Bank of the South > Income and Expense
National Bank of the South, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,987,000 | 7,764 |
| Total interest expense | $1,548,000 | 7,236 |
| Net interest income | $1,439,000 | 8,129 |
| Provision for loan and lease losses | $204,000 | 3,400 |
| Total noninterest income | $51,000 | 10,261 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $46,000 | 8,517 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $5,000 | 10,669 |
| Total noninterest expense | $1,277,000 | 7,419 |
| Salaries and employee benefits | $563,000 | 8,166 |
| Premises and equipment expense | $95,000 | 9,079 |
| Additional noninterest expense | $619,000 | 5,688 |
| Pre-tax net operating income | $9,000 | 10,342 |
| Securities gains (losses) | $1,000 | 3,559 |
| Applicable income taxes | $7,000 | 9,935 |
| Income before extraordinary items | $3,000 | 10,392 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,000 | 10,394 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $122,000 | 3,417 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,360 | 10,358 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,797,000 | 8,282 |
| Total interest expense | $1,528,000 | 7,505 |
| Net interest income | $1,269,000 | 8,845 |
| Provision for loan and lease losses | $166,000 | 3,858 |
| Total noninterest income | $46,000 | 10,918 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $42,000 | 9,055 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,000 | 11,246 |
| Total noninterest expense | $1,231,000 | 7,898 |
| Salaries and employee benefits | $417,000 | 9,489 |
| Premises and equipment expense | $88,000 | 9,600 |
| Additional noninterest expense | $726,000 | 5,593 |
| Pre-tax net operating income | $-82,000 | 10,935 |
| Securities gains (losses) | $55,000 | 1,274 |
| Applicable income taxes | $1,000 | 10,529 |
| Income before extraordinary items | $-28,000 | 10,889 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-28,000 | 10,885 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 4,581 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $501,000 | 462 |
| Net operating income | $-83,000 | 10,926 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,198,000 | 9,417 |
| Total interest expense | $1,351,000 | 8,116 |
| Net interest income | $847,000 | 10,392 |
| Provision for loan and lease losses | $67,000 | 5,503 |
| Total noninterest income | $42,000 | 11,486 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $35,000 | 9,675 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $7,000 | 11,654 |
| Total noninterest expense | $977,000 | 9,045 |
| Salaries and employee benefits | $368,000 | 10,188 |
| Premises and equipment expense | $97,000 | 9,693 |
| Additional noninterest expense | $512,000 | 7,160 |
| Pre-tax net operating income | $-155,000 | 11,645 |
| Securities gains (losses) | $20,000 | 1,915 |
| Applicable income taxes | $-38,000 | 11,615 |
| Income before extraordinary items | $-97,000 | 11,600 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-97,000 | 11,599 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 8,178 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $250,000 | 455 |
| Net operating income | $-111,400 | 11,593 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $686,000 | 12,218 |
| Total interest expense | $416,000 | 11,496 |
| Net interest income | $270,000 | 12,443 |
| Provision for loan and lease losses | $25,000 | 7,401 |
| Total noninterest income | $14,000 | 12,437 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $13,000 | 10,670 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,000 | 12,518 |
| Total noninterest expense | $507,000 | 11,585 |
| Salaries and employee benefits | $142,000 | 12,391 |
| Premises and equipment expense | $40,000 | 11,980 |
| Additional noninterest expense | $325,000 | 9,657 |
| Pre-tax net operating income | $-248,000 | 12,289 |
| Securities gains (losses) | $-22,000 | 10,411 |
| Applicable income taxes | $-87,000 | 12,281 |
| Income before extraordinary items | $-183,000 | 12,213 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-183,000 | 12,213 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $3,701,000 | 212 |
| Net operating income | $-168,040 | 12,233 |
* 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.