Home > Southern Deposit Bank > Income and Expense
Southern Deposit Bank, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,491,000 | 5,239 |
| Total interest expense | $2,378,000 | 5,370 |
| Net interest income | $3,113,000 | 5,020 |
| Provision for loan and lease losses | $20,000 | 7,660 |
| Total noninterest income | $591,000 | 4,468 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $379,000 | 3,352 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $212,000 | 4,807 |
| Total noninterest expense | $2,180,000 | 5,360 |
| Salaries and employee benefits | $942,000 | 6,131 |
| Premises and equipment expense | $242,000 | 6,158 |
| Additional noninterest expense | $996,000 | 4,037 |
| Pre-tax net operating income | $1,504,000 | 4,079 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $464,000 | 3,780 |
| Income before extraordinary items | $1,040,000 | 4,302 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,040,000 | 4,305 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 3,998 |
| Cash dividends | $1,347,000 | 1,827 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,040,000 | 4,264 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,513,000 | 5,284 |
| Total interest expense | $2,535,000 | 5,314 |
| Net interest income | $2,978,000 | 5,156 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $621,000 | 4,288 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $398,000 | 3,146 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $223,000 | 4,688 |
| Total noninterest expense | $2,307,000 | 5,053 |
| Salaries and employee benefits | $888,000 | 6,262 |
| Premises and equipment expense | $186,000 | 6,941 |
| Additional noninterest expense | $1,233,000 | 3,296 |
| Pre-tax net operating income | $1,292,000 | 4,643 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $395,000 | 4,451 |
| Income before extraordinary items | $897,000 | 4,838 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $897,000 | 4,837 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 3,967 |
| Cash dividends | $950,000 | 2,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $897,000 | 4,738 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,363,000 | 5,510 |
| Total interest expense | $2,512,000 | 5,392 |
| Net interest income | $2,851,000 | 5,512 |
| Provision for loan and lease losses | $12,000 | 8,256 |
| Total noninterest income | $557,000 | 4,652 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $360,000 | 3,521 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $197,000 | 4,992 |
| Total noninterest expense | $2,405,000 | 4,940 |
| Salaries and employee benefits | $905,000 | 6,257 |
| Premises and equipment expense | $244,000 | 6,139 |
| Additional noninterest expense | $1,256,000 | 3,219 |
| Pre-tax net operating income | $991,000 | 5,855 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $287,000 | 5,846 |
| Income before extraordinary items | $704,000 | 5,884 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $704,000 | 5,886 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 10,160 |
| Cash dividends | $250,000 | 4,919 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $704,000 | 5,843 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,276,000 | 5,698 |
| Total interest expense | $2,475,000 | 5,554 |
| Net interest income | $2,801,000 | 5,725 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $562,000 | 4,768 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $353,000 | 3,724 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $209,000 | 5,043 |
| Total noninterest expense | $2,534,000 | 4,947 |
| Salaries and employee benefits | $932,000 | 6,303 |
| Premises and equipment expense | $260,000 | 6,104 |
| Additional noninterest expense | $1,342,000 | 3,430 |
| Pre-tax net operating income | $829,000 | 6,378 |
| Securities gains (losses) | $-2,000 | 9,485 |
| Applicable income taxes | $214,000 | 6,916 |
| Income before extraordinary items | $613,000 | 6,191 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $613,000 | 6,194 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-61,000 | 11,100 |
| Cash dividends | $3,000,000 | 948 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $614,480 | 6,125 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,219,000 | 5,813 |
| Total interest expense | $2,557,000 | 5,463 |
| Net interest income | $2,662,000 | 6,021 |
| Provision for loan and lease losses | $301,000 | 2,265 |
| Total noninterest income | $446,000 | 5,577 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $273,000 | 4,634 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $173,000 | 5,560 |
| Total noninterest expense | $2,478,000 | 5,035 |
| Salaries and employee benefits | $941,000 | 6,344 |
| Premises and equipment expense | $273,000 | 6,020 |
| Additional noninterest expense | $1,264,000 | 3,581 |
| Pre-tax net operating income | $329,000 | 9,541 |
| Securities gains (losses) | $14,000 | 2,143 |
| Applicable income taxes | $44,000 | 10,292 |
| Income before extraordinary items | $299,000 | 8,955 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $299,000 | 8,959 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,712 |
| Cash dividends | $125,000 | 6,392 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $286,820 | 9,045 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,759,000 | 5,889 |
| Total interest expense | $2,076,000 | 5,452 |
| Net interest income | $2,683,000 | 6,128 |
| Provision for loan and lease losses | $290,000 | 2,346 |
| Total noninterest income | $312,000 | 7,095 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $202,000 | 5,828 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $110,000 | 7,224 |
| Total noninterest expense | $2,541,000 | 5,091 |
| Salaries and employee benefits | $960,000 | 6,296 |
| Premises and equipment expense | $301,000 | 5,701 |
| Additional noninterest expense | $1,280,000 | 3,832 |
| Pre-tax net operating income | $164,000 | 11,167 |
| Securities gains (losses) | $-12,000 | 9,966 |
| Applicable income taxes | $-22,000 | 12,133 |
| Income before extraordinary items | $174,000 | 10,575 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $174,000 | 10,582 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $499,000 | 1,379 |
| Cash dividends | $100,000 | 6,840 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $186,000 | 10,476 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,298,000 | 5,495 |
| Total interest expense | $2,488,000 | 4,825 |
| Net interest income | $2,810,000 | 5,956 |
| Provision for loan and lease losses | $156,000 | 4,539 |
| Total noninterest income | $330,000 | 7,267 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $229,000 | 5,437 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $101,000 | 7,826 |
| Total noninterest expense | $2,307,000 | 5,650 |
| Salaries and employee benefits | $828,000 | 7,157 |
| Premises and equipment expense | $101,000 | 10,412 |
| Additional noninterest expense | $1,378,000 | 3,765 |
| Pre-tax net operating income | $677,000 | 7,486 |
| Securities gains (losses) | $28,000 | 4,186 |
| Applicable income taxes | $215,000 | 7,343 |
| Income before extraordinary items | $490,000 | 7,636 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $490,000 | 7,822 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $149,000 | 3,680 |
| Cash dividends | $450,000 | 3,356 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $470,400 | 7,533 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,317,000 | 5,266 |
| Total interest expense | $3,133,000 | 4,971 |
| Net interest income | $3,184,000 | 5,430 |
| Provision for loan and lease losses | $101,000 | 7,218 |
| Total noninterest income | $414,000 | 6,419 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $238,000 | 5,314 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $176,000 | 6,108 |
| Total noninterest expense | $1,932,000 | 6,557 |
| Salaries and employee benefits | $882,000 | 6,721 |
| Premises and equipment expense | $156,000 | 8,945 |
| Additional noninterest expense | $894,000 | 5,550 |
| Pre-tax net operating income | $1,565,000 | 3,890 |
| Securities gains (losses) | $7,000 | 6,774 |
| Applicable income taxes | $419,000 | 4,617 |
| Income before extraordinary items | $1,153,000 | 3,951 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,153,000 | 3,993 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 5,904 |
| Cash dividends | $1,540,000 | 1,059 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,147,890 | 3,682 |
* 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.