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Signal Bank South, Income and Expense

2001-12-31 (YTD Data)Rank
Total interest income$21,925,0001,543
Total interest expense$10,575,0001,540
Net interest income$11,350,0001,570
Provision for loan and lease losses$640,0001,801
Total noninterest income$2,736,0001,588
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$1,425,0001,045
Trading account gains and fees$0177
Additional Noninterest Income$1,311,0001,698
Total noninterest expense$9,196,0001,593
Salaries and employee benefits$3,203,0002,345
Premises and equipment expense$700,0002,942
Additional noninterest expense$5,293,000919
Pre-tax net operating income$4,250,0001,667
Securities gains (losses)$287,000916
Applicable income taxes$1,621,0001,397
Income before extraordinary items$2,916,0001,804
Extraordinary gains, net$0105
Net income$2,916,0001,806
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$329,0002,101
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$0922
Net operating income$2,732,3201,843
2000-12-31 (YTD Data)Rank
Total interest income$22,870,0001,512
Total interest expense$11,855,0001,454
Net interest income$11,015,0001,592
Provision for loan and lease losses$680,0001,456
Total noninterest income$2,427,0001,631
Gross Fiduciary activities income$01,332
Service charges on deposit accounts$1,340,0001,006
Trading account gains and fees$0180
Additional Noninterest Income$1,087,0001,764
Total noninterest expense$9,409,0001,476
Salaries and employee benefits$4,227,0001,693
Premises and equipment expense$788,0002,612
Additional noninterest expense$4,394,0001,072
Pre-tax net operating income$3,353,0002,159
Securities gains (losses)$01,956
Applicable income taxes$1,267,0001,737
Income before extraordinary items$2,086,0002,458
Extraordinary gains, net$038
Net income$2,086,0002,457
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$620,0001,061
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$0969
Net operating income$2,086,0002,461
1999-12-31 (YTD Data)Rank
Total interest income$19,898,0001,630
Total interest expense$9,210,0001,635
Net interest income$10,688,0001,630
Provision for loan and lease losses$440,0001,954
Total noninterest income$2,198,0001,733
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$1,074,0001,237
Trading account gains and fees$0173
Additional Noninterest Income$1,124,0001,723
Total noninterest expense$8,503,0001,614
Salaries and employee benefits$4,096,0001,680
Premises and equipment expense$875,0002,322
Additional noninterest expense$3,532,0001,301
Pre-tax net operating income$3,943,0001,862
Securities gains (losses)$03,155
Applicable income taxes$1,497,0001,607
Income before extraordinary items$2,446,0002,140
Extraordinary gains, net$035
Net income$2,446,0002,141
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$109,0003,426
Cash dividends$900,0002,448
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$2,446,0002,108
1998-12-31 (YTD Data)Rank
Total interest income$17,222,0001,877
Total interest expense$7,715,0001,983
Net interest income$9,507,0001,795
Provision for loan and lease losses$535,0001,636
Total noninterest income$2,149,0001,724
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$1,125,0001,121
Trading account gains and fees$0224
Additional Noninterest Income$1,024,0001,820
Total noninterest expense$7,903,0001,664
Salaries and employee benefits$4,132,0001,614
Premises and equipment expense$821,0002,388
Additional noninterest expense$2,950,0001,472
Pre-tax net operating income$3,218,0002,225
Securities gains (losses)$273,000778
Applicable income taxes$1,235,0001,941
Income before extraordinary items$2,256,0002,292
Extraordinary gains, net$032
Net income$2,256,0002,291
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$300,0001,859
Cash dividends$1,500,0001,647
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$2,078,5502,390
1997-12-31 (YTD Data)Rank
Total interest income$15,304,0002,136
Total interest expense$6,787,0002,226
Net interest income$8,517,0002,046
Provision for loan and lease losses$180,0003,648
Total noninterest income$1,764,0001,953
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$1,042,0001,217
Trading account gains and fees$0239
Additional Noninterest Income$722,0002,181
Total noninterest expense$6,787,0001,902
Salaries and employee benefits$3,509,0001,868
Premises and equipment expense$880,0002,235
Additional noninterest expense$2,398,0001,768
Pre-tax net operating income$3,314,0002,280
Securities gains (losses)$120,000912
Applicable income taxes$1,258,0001,986
Income before extraordinary items$2,176,0002,395
Extraordinary gains, net$044
Net income$2,176,0002,394
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$202,0002,537
Cash dividends$1,750,0001,436
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$2,099,2002,418
1996-12-31 (YTD Data)Rank
Total interest income$15,093,0002,234
Total interest expense$7,028,0002,205
Net interest income$8,065,0002,234
Provision for loan and lease losses$319,0002,465
Total noninterest income$1,827,0001,986
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$1,036,0001,294
Trading account gains and fees$0262
Additional Noninterest Income$791,0002,123
Total noninterest expense$6,658,0002,081
Salaries and employee benefits$3,559,0001,857
Premises and equipment expense$829,0002,370
Additional noninterest expense$2,270,0002,198
Pre-tax net operating income$2,915,0002,434
Securities gains (losses)$04,148
Applicable income taxes$1,038,0002,278
Income before extraordinary items$1,877,0002,591
Extraordinary gains, net$053
Net income$1,877,0002,593
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$273,0002,211
Cash dividends$1,000,0002,117
Sale, conversion, retirement of capital stock, net$0953
Net operating income$1,877,0002,549
1995-12-31 (YTD Data)Rank
Total interest income$14,347,0002,348
Total interest expense$6,193,0002,485
Net interest income$8,154,0002,206
Provision for loan and lease losses$26,0007,298
Total noninterest income$1,467,0002,316
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$897,0001,522
Trading account gains and fees$0522
Additional Noninterest Income$570,0002,627
Total noninterest expense$6,489,0002,123
Salaries and employee benefits$3,450,0001,919
Premises and equipment expense$766,0002,597
Additional noninterest expense$2,273,0002,171
Pre-tax net operating income$3,106,0002,361
Securities gains (losses)$-31,00010,864
Applicable income taxes$1,200,0002,029
Income before extraordinary items$1,875,0002,650
Extraordinary gains, net$065
Net income$1,875,0002,649
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-3,00010,150
Cash dividends$1,000,0002,009
Sale, conversion, retirement of capital stock, net$0809
Net operating income$1,894,8402,599
1994-12-31 (YTD Data)Rank
Total interest income$12,007,0002,521
Total interest expense$4,532,0002,702
Net interest income$7,475,0002,425
Provision for loan and lease losses$194,0003,091
Total noninterest income$1,567,0002,215
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$895,0001,508
Trading account gains and fees$0475
Additional Noninterest Income$672,0002,395
Total noninterest expense$6,719,0002,114
Salaries and employee benefits$3,510,0001,905
Premises and equipment expense$859,0002,356
Additional noninterest expense$2,350,0002,256
Pre-tax net operating income$2,129,0003,251
Securities gains (losses)$-6,0009,509
Applicable income taxes$776,0002,844
Income before extraordinary items$1,347,0003,487
Extraordinary gains, net$0249
Net income$1,347,0003,493
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$172,0002,751
Cash dividends$700,0002,518
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,350,8403,509
1993-12-31 (YTD Data)Rank
Total interest income$12,117,0002,546
Total interest expense$4,858,0002,640
Net interest income$7,259,0002,469
Provision for loan and lease losses$307,0002,932
Total noninterest income$1,573,0002,353
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$944,0001,431
Trading account gains and fees$0532
Additional Noninterest Income$629,0002,792
Total noninterest expense$6,685,0002,181
Salaries and employee benefits$3,695,0001,814
Premises and equipment expense$874,0002,336
Additional noninterest expense$2,116,0002,598
Pre-tax net operating income$1,840,0003,595
Securities gains (losses)$210,0001,634
Applicable income taxes$688,0003,170
Income before extraordinary items$1,362,0003,552
Extraordinary gains, net$75,0001,837
Net income$1,437,0003,482
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$412,0002,015
Cash dividends$750,0002,263
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$1,223,4003,730
1992-12-31 (YTD Data)Rank
Total interest income$13,484,0002,623
Total interest expense$6,208,0002,690
Net interest income$7,276,0002,499
Provision for loan and lease losses$223,0004,934
Total noninterest income$1,578,0002,303
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$860,0001,576
Trading account gains and fees$0504
Additional Noninterest Income$718,0002,484
Total noninterest expense$6,153,0002,359
Salaries and employee benefits$3,476,0001,896
Premises and equipment expense$786,0002,646
Additional noninterest expense$1,891,0002,935
Pre-tax net operating income$2,478,0002,513
Securities gains (losses)$11,0006,349
Applicable income taxes$872,0002,388
Income before extraordinary items$1,617,0002,841
Extraordinary gains, net$01,422
Net income$1,617,0002,875
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$226,0003,943
Cash dividends$775,0001,969
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$1,609,8502,641

* 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.