Home > Southern Community Bank of Central Florida > Income and Expense
Southern Community Bank of Central Florida, Income and Expense
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $17,249,000 | 802 |
| Total interest expense | $6,268,000 | 632 |
| Net interest income | $10,981,000 | 887 |
| Provision for loan and lease losses | $680,000 | 754 |
| Total noninterest income | $753,000 | 2,699 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $293,000 | 2,763 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $460,000 | 2,321 |
| Total noninterest expense | $5,644,000 | 1,431 |
| Salaries and employee benefits | $3,091,000 | 1,424 |
| Premises and equipment expense | $1,185,000 | 965 |
| Additional noninterest expense | $1,368,000 | 1,749 |
| Pre-tax net operating income | $5,410,000 | 811 |
| Securities gains (losses) | $62,000 | 1,323 |
| Applicable income taxes | $1,904,000 | 751 |
| Income before extraordinary items | $3,568,000 | 915 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,568,000 | 916 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $317,000 | 997 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $3,527,700 | 890 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $8,619,000 | 820 |
| Total interest expense | $3,101,000 | 653 |
| Net interest income | $5,518,000 | 893 |
| Provision for loan and lease losses | $488,000 | 533 |
| Total noninterest income | $371,000 | 2,677 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $147,000 | 2,717 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $224,000 | 2,288 |
| Total noninterest expense | $2,903,000 | 1,415 |
| Salaries and employee benefits | $1,577,000 | 1,403 |
| Premises and equipment expense | $604,000 | 962 |
| Additional noninterest expense | $722,000 | 1,642 |
| Pre-tax net operating income | $2,498,000 | 863 |
| Securities gains (losses) | $62,000 | 1,078 |
| Applicable income taxes | $905,000 | 796 |
| Income before extraordinary items | $1,655,000 | 989 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,655,000 | 989 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 1,471 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,614,700 | 957 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $30,839,000 | 906 |
| Total interest expense | $11,382,000 | 777 |
| Net interest income | $19,457,000 | 990 |
| Provision for loan and lease losses | $1,991,000 | 655 |
| Total noninterest income | $1,877,000 | 2,424 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $675,000 | 2,435 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,202,000 | 2,122 |
| Total noninterest expense | $10,856,000 | 1,476 |
| Salaries and employee benefits | $5,430,000 | 1,593 |
| Premises and equipment expense | $2,409,000 | 933 |
| Additional noninterest expense | $3,017,000 | 1,623 |
| Pre-tax net operating income | $8,487,000 | 987 |
| Securities gains (losses) | $283,000 | 1,088 |
| Applicable income taxes | $3,219,000 | 872 |
| Income before extraordinary items | $5,551,000 | 1,155 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $5,551,000 | 1,157 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $635,000 | 1,326 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $5,369,880 | 1,131 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $22,545,000 | 951 |
| Total interest expense | $8,293,000 | 841 |
| Net interest income | $14,252,000 | 1,032 |
| Provision for loan and lease losses | $1,778,000 | 582 |
| Total noninterest income | $1,444,000 | 2,421 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $521,000 | 2,385 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $923,000 | 2,167 |
| Total noninterest expense | $8,084,000 | 1,486 |
| Salaries and employee benefits | $4,043,000 | 1,597 |
| Premises and equipment expense | $1,792,000 | 955 |
| Additional noninterest expense | $2,249,000 | 1,620 |
| Pre-tax net operating income | $5,834,000 | 1,113 |
| Securities gains (losses) | $234,000 | 1,138 |
| Applicable income taxes | $2,245,000 | 963 |
| Income before extraordinary items | $3,823,000 | 1,288 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $3,823,000 | 1,288 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $590,000 | 1,024 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $3,673,240 | 1,276 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $11,063,000 | 1,315 |
| Total interest expense | $4,224,000 | 1,133 |
| Net interest income | $6,839,000 | 1,429 |
| Provision for loan and lease losses | $785,000 | 777 |
| Total noninterest income | $698,000 | 3,020 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $240,000 | 3,164 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $458,000 | 2,579 |
| Total noninterest expense | $3,988,000 | 1,977 |
| Salaries and employee benefits | $2,074,000 | 2,044 |
| Premises and equipment expense | $863,000 | 1,328 |
| Additional noninterest expense | $1,051,000 | 2,259 |
| Pre-tax net operating income | $2,764,000 | 1,519 |
| Securities gains (losses) | $163,000 | 1,176 |
| Applicable income taxes | $1,083,000 | 1,287 |
| Income before extraordinary items | $1,844,000 | 1,753 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,844,000 | 1,753 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $400,000 | 997 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,739,680 | 1,729 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $5,211,000 | 1,414 |
| Total interest expense | $2,020,000 | 1,210 |
| Net interest income | $3,191,000 | 1,530 |
| Provision for loan and lease losses | $235,000 | 1,184 |
| Total noninterest income | $340,000 | 2,963 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $114,000 | 3,214 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $226,000 | 2,503 |
| Total noninterest expense | $1,948,000 | 2,014 |
| Salaries and employee benefits | $1,033,000 | 2,047 |
| Premises and equipment expense | $409,000 | 1,420 |
| Additional noninterest expense | $506,000 | 2,311 |
| Pre-tax net operating income | $1,348,000 | 1,561 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $499,000 | 1,379 |
| Income before extraordinary items | $849,000 | 1,857 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $849,000 | 1,856 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $121,000 | 1,321 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $849,000 | 1,748 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $21,466,000 | 1,432 |
| Total interest expense | $9,686,000 | 1,160 |
| Net interest income | $11,780,000 | 1,643 |
| Provision for loan and lease losses | $932,000 | 1,440 |
| Total noninterest income | $1,175,000 | 3,118 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $382,000 | 3,638 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $793,000 | 2,516 |
| Total noninterest expense | $8,314,000 | 1,820 |
| Salaries and employee benefits | $3,975,000 | 2,008 |
| Premises and equipment expense | $1,563,000 | 1,408 |
| Additional noninterest expense | $2,776,000 | 1,696 |
| Pre-tax net operating income | $3,709,000 | 2,115 |
| Securities gains (losses) | $60,000 | 2,237 |
| Applicable income taxes | $1,357,000 | 1,795 |
| Income before extraordinary items | $2,412,000 | 2,420 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,412,000 | 2,420 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $556,000 | 1,537 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,373,600 | 2,372 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $18,162,000 | 1,886 |
| Total interest expense | $11,010,000 | 1,472 |
| Net interest income | $7,152,000 | 2,500 |
| Provision for loan and lease losses | $1,494,000 | 911 |
| Total noninterest income | $809,000 | 3,824 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $337,000 | 3,871 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $472,000 | 3,227 |
| Total noninterest expense | $6,396,000 | 2,238 |
| Salaries and employee benefits | $3,213,000 | 2,332 |
| Premises and equipment expense | $1,244,000 | 1,741 |
| Additional noninterest expense | $1,939,000 | 2,305 |
| Pre-tax net operating income | $71,000 | 8,463 |
| Securities gains (losses) | $618,000 | 545 |
| Applicable income taxes | $245,000 | 4,642 |
| Income before extraordinary items | $444,000 | 6,338 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $444,000 | 6,341 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $226,000 | 2,657 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $48,480 | 8,525 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $12,333,000 | 2,828 |
| Total interest expense | $6,345,000 | 2,632 |
| Net interest income | $5,988,000 | 2,952 |
| Provision for loan and lease losses | $1,174,000 | 940 |
| Total noninterest income | $693,000 | 4,023 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $283,000 | 4,222 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $410,000 | 3,286 |
| Total noninterest expense | $4,264,000 | 3,154 |
| Salaries and employee benefits | $2,014,000 | 3,441 |
| Premises and equipment expense | $980,000 | 2,103 |
| Additional noninterest expense | $1,270,000 | 3,247 |
| Pre-tax net operating income | $1,243,000 | 4,636 |
| Securities gains (losses) | $30,000 | 843 |
| Applicable income taxes | $509,000 | 3,455 |
| Income before extraordinary items | $764,000 | 5,184 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $764,000 | 5,183 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $744,800 | 5,247 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,399,000 | 6,934 |
| Total interest expense | $1,186,000 | 7,686 |
| Net interest income | $2,213,000 | 6,261 |
| Provision for loan and lease losses | $609,000 | 1,482 |
| Total noninterest income | $116,000 | 8,584 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $64,000 | 7,501 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $52,000 | 7,990 |
| Total noninterest expense | $3,216,000 | 3,974 |
| Salaries and employee benefits | $1,444,000 | 4,472 |
| Premises and equipment expense | $804,000 | 2,528 |
| Additional noninterest expense | $968,000 | 4,125 |
| Pre-tax net operating income | $-1,496,000 | 10,133 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-563,000 | 10,142 |
| Income before extraordinary items | $-933,000 | 10,073 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-933,000 | 10,073 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $750,000 | 553 |
| Net operating income | $-933,000 | 10,064 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $135,000 | 10,393 |
| Total interest expense | $7,000 | 10,417 |
| Net interest income | $128,000 | 10,360 |
| Provision for loan and lease losses | $12,000 | 8,074 |
| Total noninterest income | $0 | 10,416 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,085 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $0 | 10,383 |
| Total noninterest expense | $480,000 | 9,847 |
| Salaries and employee benefits | $174,000 | 10,208 |
| Premises and equipment expense | $63,000 | 9,508 |
| Additional noninterest expense | $243,000 | 8,671 |
| Pre-tax net operating income | $-364,000 | 10,112 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $-71,000 | 10,173 |
| Income before extraordinary items | $-293,000 | 10,113 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-293,000 | 10,107 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $12,517,000 | 73 |
| Net operating income | $-293,000 | 10,083 |
* 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.