SouthBank, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $27,055,000 | 1,308 |
| Total interest expense | $16,378,000 | 1,072 |
| Net interest income | $10,677,000 | 1,644 |
| Provision for loan and lease losses | $1,300,000 | 853 |
| Total noninterest income | $6,002,000 | 814 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $6,002,000 | 565 |
| Total noninterest expense | $10,241,000 | 1,353 |
| Salaries and employee benefits | $5,044,000 | 1,401 |
| Premises and equipment expense | $2,364,000 | 844 |
| Additional noninterest expense | $2,833,000 | 1,582 |
| Pre-tax net operating income | $5,138,000 | 1,439 |
| Securities gains (losses) | $-2,701,000 | 9,809 |
| Applicable income taxes | $650,000 | 2,956 |
| Income before extraordinary items | $1,787,000 | 2,814 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,787,000 | 2,814 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,456,000 | 580 |
| Cash dividends | $18,000,000 | 258 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $3,758,730 | 1,395 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $26,155,000 | 1,243 |
| Total interest expense | $13,555,000 | 1,126 |
| Net interest income | $12,600,000 | 1,382 |
| Provision for loan and lease losses | $551,000 | 1,629 |
| Total noninterest income | $6,061,000 | 816 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $6,061,000 | 584 |
| Total noninterest expense | $9,633,000 | 1,435 |
| Salaries and employee benefits | $4,891,000 | 1,411 |
| Premises and equipment expense | $2,053,000 | 983 |
| Additional noninterest expense | $2,689,000 | 1,661 |
| Pre-tax net operating income | $8,477,000 | 948 |
| Securities gains (losses) | $-582,000 | 10,115 |
| Applicable income taxes | $2,524,000 | 1,005 |
| Income before extraordinary items | $5,371,000 | 1,031 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $5,371,000 | 1,030 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $296,000 | 1,836 |
| Cash dividends | $15,000,000 | 300 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $5,766,760 | 956 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $24,308,000 | 1,328 |
| Total interest expense | $12,848,000 | 1,211 |
| Net interest income | $11,460,000 | 1,470 |
| Provision for loan and lease losses | $5,099,000 | 311 |
| Total noninterest income | $4,570,000 | 1,000 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $4,570,000 | 696 |
| Total noninterest expense | $8,872,000 | 1,495 |
| Salaries and employee benefits | $4,371,000 | 1,497 |
| Premises and equipment expense | $1,856,000 | 1,040 |
| Additional noninterest expense | $2,645,000 | 1,623 |
| Pre-tax net operating income | $2,059,000 | 3,273 |
| Securities gains (losses) | $218,000 | 879 |
| Applicable income taxes | $699,000 | 3,030 |
| Income before extraordinary items | $1,578,000 | 3,124 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,578,000 | 3,125 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,498 |
| Cash dividends | $528,000 | 3,387 |
| Sale, conversion, retirement of capital stock, net | $22,813,000 | 47 |
| Net operating income | $1,427,580 | 3,295 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $19,256,000 | 1,716 |
| Total interest expense | $10,240,000 | 1,515 |
| Net interest income | $9,016,000 | 1,927 |
| Provision for loan and lease losses | $713,000 | 1,314 |
| Total noninterest income | $2,778,000 | 1,359 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $2,778,000 | 879 |
| Total noninterest expense | $8,039,000 | 1,633 |
| Salaries and employee benefits | $4,080,000 | 1,602 |
| Premises and equipment expense | $1,655,000 | 1,200 |
| Additional noninterest expense | $2,304,000 | 1,847 |
| Pre-tax net operating income | $3,042,000 | 2,464 |
| Securities gains (losses) | $-291,000 | 10,856 |
| Applicable income taxes | $959,000 | 2,521 |
| Income before extraordinary items | $1,792,000 | 2,839 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,792,000 | 2,838 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $277,000 | 2,067 |
| Cash dividends | $990,000 | 2,226 |
| Sale, conversion, retirement of capital stock, net | $43,000 | 856 |
| Net operating income | $1,981,150 | 2,562 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $15,332,000 | 2,197 |
| Total interest expense | $7,658,000 | 2,053 |
| Net interest income | $7,674,000 | 2,347 |
| Provision for loan and lease losses | $298,000 | 2,616 |
| Total noninterest income | $2,156,000 | 1,727 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $2,156,000 | 1,093 |
| Total noninterest expense | $7,270,000 | 1,938 |
| Salaries and employee benefits | $3,188,000 | 2,095 |
| Premises and equipment expense | $1,131,000 | 1,781 |
| Additional noninterest expense | $2,951,000 | 1,764 |
| Pre-tax net operating income | $2,262,000 | 3,081 |
| Securities gains (losses) | $90,000 | 1,006 |
| Applicable income taxes | $797,000 | 2,858 |
| Income before extraordinary items | $1,555,000 | 3,090 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,555,000 | 3,092 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 4,261 |
| Cash dividends | $494,000 | 3,482 |
| Sale, conversion, retirement of capital stock, net | $9,943,000 | 67 |
| Net operating income | $1,495,600 | 3,162 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $13,519,000 | 2,469 |
| Total interest expense | $8,890,000 | 1,786 |
| Net interest income | $4,629,000 | 3,796 |
| Provision for loan and lease losses | $363,000 | 1,998 |
| Total noninterest income | $1,869,000 | 1,942 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,869,000 | 1,177 |
| Total noninterest expense | $5,669,000 | 2,399 |
| Salaries and employee benefits | $2,731,000 | 2,436 |
| Premises and equipment expense | $967,000 | 2,078 |
| Additional noninterest expense | $1,971,000 | 2,424 |
| Pre-tax net operating income | $466,000 | 8,647 |
| Securities gains (losses) | $1,821,000 | 147 |
| Applicable income taxes | $306,000 | 5,929 |
| Income before extraordinary items | $1,981,000 | 2,537 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,981,000 | 2,537 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 5,035 |
| Cash dividends | $132,000 | 6,311 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $396,730 | 8,075 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $12,056,000 | 2,511 |
| Total interest expense | $5,879,000 | 2,125 |
| Net interest income | $6,177,000 | 2,927 |
| Provision for loan and lease losses | $120,000 | 4,039 |
| Total noninterest income | $1,258,000 | 2,643 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,258,000 | 1,582 |
| Total noninterest expense | $4,782,000 | 2,883 |
| Salaries and employee benefits | $2,576,000 | 2,587 |
| Premises and equipment expense | $753,000 | 2,665 |
| Additional noninterest expense | $1,453,000 | 3,409 |
| Pre-tax net operating income | $2,533,000 | 2,792 |
| Securities gains (losses) | $462,000 | 285 |
| Applicable income taxes | $975,000 | 2,298 |
| Income before extraordinary items | $2,020,000 | 2,403 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,020,000 | 2,403 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,658 |
| Cash dividends | $273,000 | 4,734 |
| Sale, conversion, retirement of capital stock, net | $-12,000 | 12,458 |
| Net operating income | $1,710,460 | 2,845 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $11,706,000 | 2,640 |
| Total interest expense | $5,951,000 | 2,183 |
| Net interest income | $5,755,000 | 3,148 |
| Provision for loan and lease losses | $185,000 | 4,083 |
| Total noninterest income | $1,152,000 | 3,000 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,152,000 | 1,861 |
| Total noninterest expense | $4,357,000 | 3,210 |
| Salaries and employee benefits | $2,524,000 | 2,618 |
| Premises and equipment expense | $748,000 | 2,713 |
| Additional noninterest expense | $1,085,000 | 4,596 |
| Pre-tax net operating income | $2,365,000 | 2,847 |
| Securities gains (losses) | $493,000 | 903 |
| Applicable income taxes | $541,000 | 3,918 |
| Income before extraordinary items | $2,317,000 | 2,156 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,317,000 | 2,241 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 5,678 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $2,363,000 | 324 |
| Net operating income | $1,917,670 | 2,466 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $13,912,000 | 2,529 |
| Total interest expense | $8,293,000 | 2,057 |
| Net interest income | $5,619,000 | 3,257 |
| Provision for loan and lease losses | $597,000 | 2,651 |
| Total noninterest income | $1,347,000 | 2,603 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,347,000 | 1,626 |
| Total noninterest expense | $4,033,000 | 3,475 |
| Salaries and employee benefits | $2,162,000 | 2,978 |
| Premises and equipment expense | $840,000 | 2,455 |
| Additional noninterest expense | $1,031,000 | 4,930 |
| Pre-tax net operating income | $2,336,000 | 2,667 |
| Securities gains (losses) | $930,000 | 689 |
| Applicable income taxes | $1,298,000 | 1,628 |
| Income before extraordinary items | $1,968,000 | 2,322 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,968,000 | 2,361 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $344,000 | 3,091 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,372,800 | 3,101 |
* 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.