Home > Southern Crescent Bank > Income and Expense
Southern Crescent Bank, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $10,876,000 | 3,028 |
| Total interest expense | $4,696,000 | 3,176 |
| Net interest income | $6,180,000 | 2,874 |
| Provision for loan and lease losses | $50,000 | 6,559 |
| Total noninterest income | $1,072,000 | 2,960 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $700,000 | 1,938 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $372,000 | 3,539 |
| Total noninterest expense | $4,814,000 | 2,836 |
| Salaries and employee benefits | $2,649,000 | 2,519 |
| Premises and equipment expense | $774,000 | 2,531 |
| Additional noninterest expense | $1,391,000 | 3,325 |
| Pre-tax net operating income | $2,388,000 | 2,902 |
| Securities gains (losses) | $40,000 | 1,495 |
| Applicable income taxes | $850,000 | 2,698 |
| Income before extraordinary items | $1,578,000 | 3,039 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,578,000 | 3,041 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $170,000 | 2,947 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,552,000 | 3,056 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $8,999,000 | 3,621 |
| Total interest expense | $3,946,000 | 3,721 |
| Net interest income | $5,053,000 | 3,494 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $1,054,000 | 2,983 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $727,000 | 1,863 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $327,000 | 3,798 |
| Total noninterest expense | $4,469,000 | 3,009 |
| Salaries and employee benefits | $2,271,000 | 2,933 |
| Premises and equipment expense | $798,000 | 2,480 |
| Additional noninterest expense | $1,400,000 | 3,265 |
| Pre-tax net operating income | $1,638,000 | 4,141 |
| Securities gains (losses) | $2,000 | 3,270 |
| Applicable income taxes | $527,000 | 4,024 |
| Income before extraordinary items | $1,113,000 | 4,211 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,113,000 | 4,208 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 3,672 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,111,640 | 4,198 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,690,000 | 4,407 |
| Total interest expense | $2,631,000 | 4,436 |
| Net interest income | $4,059,000 | 4,319 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $1,215,000 | 2,713 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $636,000 | 2,126 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $579,000 | 2,655 |
| Total noninterest expense | $4,185,000 | 3,289 |
| Salaries and employee benefits | $2,092,000 | 3,151 |
| Premises and equipment expense | $820,000 | 2,479 |
| Additional noninterest expense | $1,273,000 | 3,849 |
| Pre-tax net operating income | $1,089,000 | 5,613 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $387,000 | 4,876 |
| Income before extraordinary items | $702,000 | 5,898 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $702,000 | 5,917 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $213,000 | 2,388 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $702,000 | 5,962 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,756,000 | 7,183 |
| Total interest expense | $1,449,000 | 7,378 |
| Net interest income | $2,307,000 | 6,923 |
| Provision for loan and lease losses | $72,000 | 6,563 |
| Total noninterest income | $541,000 | 5,312 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $331,000 | 4,067 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $210,000 | 5,508 |
| Total noninterest expense | $2,396,000 | 5,458 |
| Salaries and employee benefits | $1,113,000 | 5,581 |
| Premises and equipment expense | $415,000 | 4,577 |
| Additional noninterest expense | $868,000 | 5,536 |
| Pre-tax net operating income | $380,000 | 9,579 |
| Securities gains (losses) | $26,000 | 4,293 |
| Applicable income taxes | $178,000 | 8,047 |
| Income before extraordinary items | $228,000 | 10,293 |
| Extraordinary gains, net | $84,000 | 1,737 |
| Net income | $312,000 | 9,510 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 12,096 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $211,360 | 10,278 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,583,000 | 8,062 |
| Total interest expense | $2,128,000 | 6,795 |
| Net interest income | $1,455,000 | 9,428 |
| Provision for loan and lease losses | $327,000 | 3,934 |
| Total noninterest income | $592,000 | 5,008 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $418,000 | 3,324 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $174,000 | 6,145 |
| Total noninterest expense | $2,225,000 | 5,856 |
| Salaries and employee benefits | $802,000 | 7,242 |
| Premises and equipment expense | $385,000 | 4,942 |
| Additional noninterest expense | $1,038,000 | 4,900 |
| Pre-tax net operating income | $-505,000 | 13,295 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-505,000 | 13,383 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-505,000 | 13,380 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $172,000 | 4,547 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-505,000 | 13,278 |
* 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.