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South Carolina Bank and Trust of the Pee Dee, Income and Expense

2003-06-30 (YTD Data)Rank
Total interest income$1,526,0006,593
Total interest expense$415,0006,880
Net interest income$1,111,0006,332
Provision for loan and lease losses$97,0003,927
Total noninterest income$672,0003,098
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$245,0003,117
Trading account gains and fees$0150
Additional Noninterest Income$427,0002,686
Total noninterest expense$1,321,0004,998
Salaries and employee benefits$607,0005,580
Premises and equipment expense$132,0006,008
Additional noninterest expense$582,0003,788
Pre-tax net operating income$365,0006,073
Securities gains (losses)$03,782
Applicable income taxes$126,0004,785
Income before extraordinary items$239,0006,621
Extraordinary gains, net$030
Net income$239,0006,621
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$92,0002,623
Cash dividends$05,215
Sale, conversion, retirement of capital stock, net$0589
Net operating income$239,0006,408
2003-03-31 (YTD Data)Rank
Total interest income$770,0006,597
Total interest expense$206,0006,993
Net interest income$564,0006,268
Provision for loan and lease losses$97,0002,432
Total noninterest income$320,0003,105
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$125,0002,989
Trading account gains and fees$0134
Additional Noninterest Income$195,0002,764
Total noninterest expense$666,0004,977
Salaries and employee benefits$305,0005,564
Premises and equipment expense$65,0006,056
Additional noninterest expense$296,0003,686
Pre-tax net operating income$121,0006,881
Securities gains (losses)$02,891
Applicable income taxes$39,0005,433
Income before extraordinary items$82,0007,247
Extraordinary gains, net$021
Net income$82,0007,248
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$62,0001,956
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$0419
Net operating income$82,0007,094
2002-12-31 (YTD Data)Rank
Total interest income$3,210,0006,626
Total interest expense$959,0007,045
Net interest income$2,251,0006,244
Provision for loan and lease losses$254,0003,831
Total noninterest income$797,0004,015
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$470,0003,129
Trading account gains and fees$0153
Additional Noninterest Income$327,0004,070
Total noninterest expense$2,313,0005,355
Salaries and employee benefits$1,071,0005,894
Premises and equipment expense$251,0006,124
Additional noninterest expense$991,0004,207
Pre-tax net operating income$481,0006,840
Securities gains (losses)$04,537
Applicable income taxes$172,0005,326
Income before extraordinary items$309,0007,278
Extraordinary gains, net$070
Net income$309,0007,277
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$166,0003,329
Cash dividends$06,377
Sale, conversion, retirement of capital stock, net$0862
Net operating income$309,0007,170
2001-12-31 (YTD Data)Rank
Total interest income$3,670,0006,616
Total interest expense$1,831,0006,369
Net interest income$1,839,0006,724
Provision for loan and lease losses$453,0002,384
Total noninterest income$674,0004,281
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$346,0003,793
Trading account gains and fees$0177
Additional Noninterest Income$328,0003,918
Total noninterest expense$1,908,0005,913
Salaries and employee benefits$857,0006,553
Premises and equipment expense$262,0005,939
Additional noninterest expense$789,0004,826
Pre-tax net operating income$152,0008,099
Securities gains (losses)$04,612
Applicable income taxes$59,0006,554
Income before extraordinary items$93,0008,381
Extraordinary gains, net$0105
Net income$93,0008,379
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$400,0001,825
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$0922
Net operating income$93,0008,278
2000-12-31 (YTD Data)Rank
Total interest income$3,386,0007,021
Total interest expense$1,955,0006,338
Net interest income$1,431,0007,587
Provision for loan and lease losses$208,0003,659
Total noninterest income$439,0005,265
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$246,0004,564
Trading account gains and feesNANA
Additional Noninterest Income$193,0004,880
Total noninterest expense$1,672,0006,320
Salaries and employee benefits$771,0006,877
Premises and equipment expense$278,0005,670
Additional noninterest expense$623,0005,638
Pre-tax net operating income$-10,0009,154
Securities gains (losses)$01,956
Applicable income taxes$-3,0009,282
Income before extraordinary items$-7,0009,169
Extraordinary gains, net$038
Net income$-7,0009,166
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$66,0004,301
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$0969
Net operating income$-7,0009,155
1999-12-31 (YTD Data)Rank
Total interest income$2,294,0008,141
Total interest expense$1,275,0007,459
Net interest income$1,019,0008,590
Provision for loan and lease losses$230,0003,261
Total noninterest income$303,0006,415
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$166,0005,590
Trading account gains and feesNANA
Additional Noninterest Income$137,0005,812
Total noninterest expense$1,632,0006,458
Salaries and employee benefits$743,0007,014
Premises and equipment expense$253,0005,997
Additional noninterest expense$636,0005,608
Pre-tax net operating income$-540,0009,879
Securities gains (losses)$1,0002,805
Applicable income taxes$-198,00010,026
Income before extraordinary items$-341,0009,799
Extraordinary gains, net$035
Net income$-341,0009,799
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$42,0005,123
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$-341,6409,781
1998-12-31 (YTD Data)Rank
Total interest income$1,158,0009,706
Total interest expense$686,0009,221
Net interest income$472,0009,970
Provision for loan and lease losses$90,0005,311
Total noninterest income$120,0008,690
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$52,0007,990
Trading account gains and feesNANA
Additional Noninterest Income$68,0007,535
Total noninterest expense$958,0008,253
Salaries and employee benefits$419,0008,851
Premises and equipment expense$171,0007,213
Additional noninterest expense$368,0007,492
Pre-tax net operating income$-456,00010,162
Securities gains (losses)$04,449
Applicable income taxes$-170,00010,297
Income before extraordinary items$-286,00010,106
Extraordinary gains, net$032
Net income$-286,00010,101
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,0007,842
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$4,500,000259
Net operating income$-286,00010,076

* 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.