Home > Old Southern Bank > Income and Expense
Old Southern Bank, Income and Expense
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $16,670,000 | 2,043 |
| Total interest expense | $9,420,000 | 1,263 |
| Net interest income | $7,250,000 | 2,973 |
| Provision for loan and lease losses | $28,884,000 | 383 |
| Total noninterest income | $812,000 | 3,738 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $517,000 | 2,813 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $295,000 | 4,013 |
| Total noninterest expense | $13,444,000 | 1,539 |
| Salaries and employee benefits | $4,479,000 | 2,193 |
| Premises and equipment expense | $3,179,000 | 851 |
| Additional noninterest expense | $5,786,000 | 1,301 |
| Pre-tax net operating income | $-34,266,000 | 7,819 |
| Securities gains (losses) | $143,000 | 1,823 |
| Applicable income taxes | $-1,586,000 | 7,442 |
| Income before extraordinary items | $-32,537,000 | 7,826 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-32,537,000 | 7,826 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-32,537,000 | 7,826 |
| Net charge-offs | $13,434,000 | 539 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $-337,000 | 7,973 |
| Net operating income | $-32,672,850 | 7,827 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $12,775,000 | 2,028 |
| Total interest expense | $7,349,000 | 1,277 |
| Net interest income | $5,426,000 | 2,972 |
| Provision for loan and lease losses | $8,885,000 | 687 |
| Total noninterest income | $579,000 | 3,915 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $361,000 | 2,990 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $218,000 | 4,145 |
| Total noninterest expense | $7,124,000 | 2,110 |
| Salaries and employee benefits | $3,444,000 | 2,158 |
| Premises and equipment expense | $1,667,000 | 1,239 |
| Additional noninterest expense | $2,013,000 | 2,557 |
| Pre-tax net operating income | $-10,004,000 | 7,742 |
| Securities gains (losses) | $104,000 | 1,812 |
| Applicable income taxes | $-3,882,000 | 7,863 |
| Income before extraordinary items | $-6,018,000 | 7,651 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-6,018,000 | 7,651 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-6,018,000 | 7,651 |
| Net charge-offs | $3,087,000 | 1,166 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $-336,000 | 8,072 |
| Net operating income | $-6,084,560 | 7,665 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $8,336,000 | 2,109 |
| Total interest expense | $5,077,000 | 1,297 |
| Net interest income | $3,259,000 | 3,230 |
| Provision for loan and lease losses | $7,730,000 | 543 |
| Total noninterest income | $360,000 | 4,057 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $219,000 | 3,142 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $141,000 | 4,233 |
| Total noninterest expense | $4,560,000 | 2,206 |
| Salaries and employee benefits | $2,256,000 | 2,235 |
| Premises and equipment expense | $1,068,000 | 1,315 |
| Additional noninterest expense | $1,236,000 | 2,748 |
| Pre-tax net operating income | $-8,671,000 | 7,886 |
| Securities gains (losses) | $86,000 | 1,594 |
| Applicable income taxes | $-3,369,000 | 7,991 |
| Income before extraordinary items | $-5,216,000 | 7,813 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-5,216,000 | 7,812 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-5,216,000 | 7,812 |
| Net charge-offs | $2,779,000 | 910 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $-317,000 | 8,175 |
| Net operating income | $-5,271,040 | 7,829 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $4,015,000 | 2,200 |
| Total interest expense | $2,377,000 | 1,461 |
| Net interest income | $1,638,000 | 3,203 |
| Provision for loan and lease losses | $6,436,000 | 343 |
| Total noninterest income | $157,000 | 4,302 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $96,000 | 3,335 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $61,000 | 4,486 |
| Total noninterest expense | $2,872,000 | 1,727 |
| Salaries and employee benefits | $1,624,000 | 1,602 |
| Premises and equipment expense | $598,000 | 1,203 |
| Additional noninterest expense | $650,000 | 2,388 |
| Pre-tax net operating income | $-7,513,000 | 8,084 |
| Securities gains (losses) | $1,000 | 2,304 |
| Applicable income taxes | $-2,831,000 | 8,124 |
| Income before extraordinary items | $-4,681,000 | 8,046 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-4,681,000 | 8,047 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-4,681,000 | 8,047 |
| Net charge-offs | $2,627,000 | 495 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $87,000 | 388 |
| Net operating income | $-4,681,640 | 8,046 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $14,821,000 | 2,492 |
| Total interest expense | $7,483,000 | 2,086 |
| Net interest income | $7,338,000 | 2,917 |
| Provision for loan and lease losses | $4,220,000 | 1,131 |
| Total noninterest income | $275,000 | 5,969 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $284,000 | 4,118 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $-9,000 | 8,039 |
| Total noninterest expense | $10,075,000 | 1,914 |
| Salaries and employee benefits | $5,838,000 | 1,742 |
| Premises and equipment expense | $2,203,000 | 1,238 |
| Additional noninterest expense | $2,034,000 | 2,829 |
| Pre-tax net operating income | $-6,682,000 | 7,889 |
| Securities gains (losses) | $312,000 | 532 |
| Applicable income taxes | $-2,391,000 | 7,965 |
| Income before extraordinary items | $-3,979,000 | 7,736 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-3,979,000 | 7,735 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,675,000 | 1,457 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $643,000 | 495 |
| Net operating income | $-4,178,680 | 7,815 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $10,714,000 | 2,641 |
| Total interest expense | $5,340,000 | 2,249 |
| Net interest income | $5,374,000 | 3,008 |
| Provision for loan and lease losses | $1,249,000 | 1,607 |
| Total noninterest income | $445,000 | 4,598 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $193,000 | 4,327 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $252,000 | 4,010 |
| Total noninterest expense | $7,337,000 | 1,956 |
| Salaries and employee benefits | $4,404,000 | 1,757 |
| Premises and equipment expense | $1,539,000 | 1,350 |
| Additional noninterest expense | $1,394,000 | 2,962 |
| Pre-tax net operating income | $-2,767,000 | 7,986 |
| Securities gains (losses) | $312,000 | 452 |
| Applicable income taxes | $-812,000 | 8,000 |
| Income before extraordinary items | $-1,643,000 | 7,765 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-1,643,000 | 7,764 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,436,000 | 1,051 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $442,000 | 408 |
| Net operating income | $-1,852,040 | 7,908 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $7,091,000 | 2,685 |
| Total interest expense | $3,635,000 | 2,296 |
| Net interest income | $3,456,000 | 3,096 |
| Provision for loan and lease losses | $858,000 | 1,350 |
| Total noninterest income | $280,000 | 4,774 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $112,000 | 4,627 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $168,000 | 4,115 |
| Total noninterest expense | $4,759,000 | 2,012 |
| Salaries and employee benefits | $2,880,000 | 1,811 |
| Premises and equipment expense | $974,000 | 1,421 |
| Additional noninterest expense | $905,000 | 3,000 |
| Pre-tax net operating income | $-1,881,000 | 8,139 |
| Securities gains (losses) | $292,000 | 456 |
| Applicable income taxes | $-472,000 | 8,167 |
| Income before extraordinary items | $-1,117,000 | 8,033 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,117,000 | 8,033 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,347,000 | 720 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $287,000 | 348 |
| Net operating income | $-1,321,400 | 8,095 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,588,000 | 2,724 |
| Total interest expense | $1,919,000 | 2,316 |
| Net interest income | $1,669,000 | 3,198 |
| Provision for loan and lease losses | $206,000 | 1,791 |
| Total noninterest income | $136,000 | 4,832 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $54,000 | 4,649 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $82,000 | 4,146 |
| Total noninterest expense | $2,321,000 | 2,066 |
| Salaries and employee benefits | $1,409,000 | 1,871 |
| Premises and equipment expense | $496,000 | 1,406 |
| Additional noninterest expense | $416,000 | 3,195 |
| Pre-tax net operating income | $-722,000 | 8,204 |
| Securities gains (losses) | $260,000 | 371 |
| Applicable income taxes | $-153,000 | 8,217 |
| Income before extraordinary items | $-309,000 | 7,991 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-309,000 | 7,990 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $432,000 | 783 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $134,000 | 274 |
| Net operating income | $-483,200 | 8,124 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $10,950,000 | 3,542 |
| Total interest expense | $5,681,000 | 3,142 |
| Net interest income | $5,269,000 | 3,834 |
| Provision for loan and lease losses | $2,336,000 | 743 |
| Total noninterest income | $241,000 | 6,461 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $73,000 | 6,396 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $168,000 | 5,384 |
| Total noninterest expense | $7,779,000 | 2,346 |
| Salaries and employee benefits | $4,929,000 | 2,042 |
| Premises and equipment expense | $1,514,000 | 1,732 |
| Additional noninterest expense | $1,336,000 | 3,755 |
| Pre-tax net operating income | $-4,605,000 | 8,434 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-1,630,000 | 8,448 |
| Income before extraordinary items | $-2,975,000 | 8,399 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-2,975,000 | 8,396 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,600 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $2,414,000 | 340 |
| Net operating income | $-2,975,000 | 8,391 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $7,456,000 | 3,788 |
| Total interest expense | $3,852,000 | 3,400 |
| Net interest income | $3,604,000 | 4,130 |
| Provision for loan and lease losses | $1,003,000 | 896 |
| Total noninterest income | $108,000 | 7,222 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $30,000 | 6,928 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $78,000 | 6,199 |
| Total noninterest expense | $5,703,000 | 2,376 |
| Salaries and employee benefits | $3,667,000 | 2,057 |
| Premises and equipment expense | $1,084,000 | 1,813 |
| Additional noninterest expense | $952,000 | 3,854 |
| Pre-tax net operating income | $-2,994,000 | 8,491 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $-1,016,000 | 8,494 |
| Income before extraordinary items | $-1,978,000 | 8,460 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-1,978,000 | 8,456 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $2,240,000 | 261 |
| Net operating income | $-1,978,000 | 8,448 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,436,000 | 4,110 |
| Total interest expense | $2,194,000 | 3,774 |
| Net interest income | $2,242,000 | 4,361 |
| Provision for loan and lease losses | $701,000 | 776 |
| Total noninterest income | $16,000 | 8,274 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $8,000 | 7,273 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $8,000 | 8,008 |
| Total noninterest expense | $3,713,000 | 2,449 |
| Salaries and employee benefits | $2,384,000 | 2,150 |
| Premises and equipment expense | $687,000 | 1,906 |
| Additional noninterest expense | $642,000 | 3,806 |
| Pre-tax net operating income | $-2,156,000 | 8,558 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-730,000 | 8,566 |
| Income before extraordinary items | $-1,426,000 | 8,537 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,426,000 | 8,534 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $2,155,000 | 198 |
| Net operating income | $-1,426,000 | 8,526 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,904,000 | 4,538 |
| Total interest expense | $997,000 | 4,021 |
| Net interest income | $907,000 | 4,970 |
| Provision for loan and lease losses | $312,000 | 767 |
| Total noninterest income | $6,000 | 8,365 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $4,000 | 7,300 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $2,000 | 8,219 |
| Total noninterest expense | $1,674,000 | 2,718 |
| Salaries and employee benefits | $1,116,000 | 2,304 |
| Premises and equipment expense | $308,000 | 2,121 |
| Additional noninterest expense | $250,000 | 4,540 |
| Pre-tax net operating income | $-1,073,000 | 8,594 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $-345,000 | 8,595 |
| Income before extraordinary items | $-728,000 | 8,576 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-728,000 | 8,574 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $1,702,000 | 115 |
| Net operating income | $-728,000 | 8,570 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $3,202,000 | 6,630 |
| Total interest expense | $1,065,000 | 6,811 |
| Net interest income | $2,137,000 | 6,406 |
| Provision for loan and lease losses | $490,000 | 1,940 |
| Total noninterest income | $4,000 | 8,551 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,000 | 7,596 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $3,000 | 8,437 |
| Total noninterest expense | $5,117,000 | 3,286 |
| Salaries and employee benefits | $3,137,000 | 3,007 |
| Premises and equipment expense | $808,000 | 2,981 |
| Additional noninterest expense | $1,172,000 | 4,007 |
| Pre-tax net operating income | $-3,466,000 | 8,644 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $-1,207,000 | 8,636 |
| Income before extraordinary items | $-2,259,000 | 8,608 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-2,259,000 | 8,608 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $31,546,000 | 35 |
| Net operating income | $-2,259,000 | 8,602 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,698,000 | 7,372 |
| Total interest expense | $261,000 | 8,237 |
| Net interest income | $1,437,000 | 6,728 |
| Provision for loan and lease losses | $246,000 | 2,476 |
| Total noninterest income | $1,000 | 8,655 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $0 | 7,682 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,000 | 8,569 |
| Total noninterest expense | $3,257,000 | 3,731 |
| Salaries and employee benefits | $2,020,000 | 3,421 |
| Premises and equipment expense | $626,000 | 2,895 |
| Additional noninterest expense | $611,000 | 5,160 |
| Pre-tax net operating income | $-2,065,000 | 8,700 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $-778,000 | 8,711 |
| Income before extraordinary items | $-1,287,000 | 8,648 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-1,287,000 | 8,648 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $31,123,000 | 25 |
| Net operating income | $-1,287,000 | 8,641 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $972,000 | 7,649 |
| Total interest expense | $40,000 | 8,652 |
| Net interest income | $932,000 | 6,837 |
| Provision for loan and lease losses | $107,000 | 3,235 |
| Total noninterest income | $0 | 8,702 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $0 | 7,707 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $0 | 8,630 |
| Total noninterest expense | $1,884,000 | 4,165 |
| Salaries and employee benefits | $1,179,000 | 3,787 |
| Premises and equipment expense | $249,000 | 4,280 |
| Additional noninterest expense | $456,000 | 4,775 |
| Pre-tax net operating income | $-1,059,000 | 8,698 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $-392,000 | 8,733 |
| Income before extraordinary items | $-667,000 | 8,637 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-667,000 | 8,636 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $31,024,000 | 15 |
| Net operating income | $-667,000 | 8,628 |
* 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.