Home > Southern Financial Bank > Income and Expense
Southern Financial Bank, Income and Expense
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $13,680,000 | 524 |
| Total interest expense | $3,137,000 | 640 |
| Net interest income | $10,543,000 | 488 |
| Provision for loan and lease losses | $5,634,000 | 105 |
| Total noninterest income | $1,554,000 | 884 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $634,000 | 671 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $920,000 | 841 |
| Total noninterest expense | $6,035,000 | 679 |
| Salaries and employee benefits | $3,210,000 | 667 |
| Premises and equipment expense | $1,100,000 | 536 |
| Additional noninterest expense | $1,725,000 | 726 |
| Pre-tax net operating income | $428,000 | 3,918 |
| Securities gains (losses) | $35,000 | 1,403 |
| Applicable income taxes | $22,000 | 5,705 |
| Income before extraordinary items | $441,000 | 3,244 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $441,000 | 3,244 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,629,000 | 110 |
| Cash dividends | $1,000,000 | 662 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $407,750 | 3,344 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $54,552,000 | 527 |
| Total interest expense | $13,005,000 | 680 |
| Net interest income | $41,547,000 | 476 |
| Provision for loan and lease losses | $4,805,000 | 340 |
| Total noninterest income | $7,440,000 | 823 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $2,735,000 | 625 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $4,705,000 | 798 |
| Total noninterest expense | $22,661,000 | 721 |
| Salaries and employee benefits | $11,409,000 | 749 |
| Premises and equipment expense | $4,194,000 | 548 |
| Additional noninterest expense | $7,058,000 | 742 |
| Pre-tax net operating income | $21,521,000 | 460 |
| Securities gains (losses) | $-95,000 | 9,016 |
| Applicable income taxes | $7,027,000 | 474 |
| Income before extraordinary items | $14,399,000 | 494 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $14,399,000 | 496 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,564,000 | 305 |
| Cash dividends | $3,107,000 | 965 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $14,462,650 | 465 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $40,151,000 | 554 |
| Total interest expense | $9,692,000 | 712 |
| Net interest income | $30,459,000 | 495 |
| Provision for loan and lease losses | $3,555,000 | 356 |
| Total noninterest income | $5,582,000 | 851 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $2,037,000 | 638 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,545,000 | 823 |
| Total noninterest expense | $16,057,000 | 767 |
| Salaries and employee benefits | $8,379,000 | 774 |
| Premises and equipment expense | $3,152,000 | 558 |
| Additional noninterest expense | $4,526,000 | 859 |
| Pre-tax net operating income | $16,429,000 | 456 |
| Securities gains (losses) | $-934,000 | 9,205 |
| Applicable income taxes | $4,957,000 | 512 |
| Income before extraordinary items | $10,538,000 | 521 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $10,538,000 | 521 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,197,000 | 310 |
| Cash dividends | $2,997,000 | 744 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $11,173,120 | 462 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $26,277,000 | 567 |
| Total interest expense | $6,389,000 | 745 |
| Net interest income | $19,888,000 | 507 |
| Provision for loan and lease losses | $2,320,000 | 353 |
| Total noninterest income | $3,671,000 | 842 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $1,358,000 | 629 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $2,313,000 | 831 |
| Total noninterest expense | $10,462,000 | 781 |
| Salaries and employee benefits | $5,455,000 | 790 |
| Premises and equipment expense | $2,095,000 | 567 |
| Additional noninterest expense | $2,912,000 | 890 |
| Pre-tax net operating income | $10,777,000 | 467 |
| Securities gains (losses) | $-936,000 | 9,247 |
| Applicable income taxes | $3,116,000 | 539 |
| Income before extraordinary items | $6,725,000 | 544 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $6,725,000 | 544 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,910,000 | 341 |
| Cash dividends | $1,460,000 | 962 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $7,361,480 | 473 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $13,021,000 | 580 |
| Total interest expense | $3,173,000 | 768 |
| Net interest income | $9,848,000 | 510 |
| Provision for loan and lease losses | $1,215,000 | 335 |
| Total noninterest income | $1,680,000 | 895 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $665,000 | 623 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,015,000 | 880 |
| Total noninterest expense | $5,133,000 | 794 |
| Salaries and employee benefits | $2,727,000 | 795 |
| Premises and equipment expense | $1,036,000 | 570 |
| Additional noninterest expense | $1,370,000 | 912 |
| Pre-tax net operating income | $5,180,000 | 482 |
| Securities gains (losses) | $-897,000 | 9,302 |
| Applicable income taxes | $1,325,000 | 618 |
| Income before extraordinary items | $2,958,000 | 595 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,958,000 | 593 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $652,000 | 414 |
| Cash dividends | $700,000 | 914 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $3,576,930 | 471 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $51,381,000 | 602 |
| Total interest expense | $15,944,000 | 706 |
| Net interest income | $35,437,000 | 549 |
| Provision for loan and lease losses | $5,050,000 | 385 |
| Total noninterest income | $5,538,000 | 952 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $2,345,000 | 688 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,193,000 | 957 |
| Total noninterest expense | $18,065,000 | 871 |
| Salaries and employee benefits | $9,484,000 | 848 |
| Premises and equipment expense | $3,770,000 | 590 |
| Additional noninterest expense | $4,811,000 | 1,026 |
| Pre-tax net operating income | $17,860,000 | 513 |
| Securities gains (losses) | $-1,603,000 | 9,324 |
| Applicable income taxes | $5,255,000 | 570 |
| Income before extraordinary items | $11,002,000 | 584 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $11,002,000 | 585 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,497,000 | 402 |
| Cash dividends | $8,035,000 | 425 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $12,092,040 | 521 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $54,414,000 | 648 |
| Total interest expense | $25,716,000 | 652 |
| Net interest income | $28,698,000 | 631 |
| Provision for loan and lease losses | $4,470,000 | 382 |
| Total noninterest income | $6,333,000 | 825 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,927,000 | 758 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $4,406,000 | 718 |
| Total noninterest expense | $16,423,000 | 909 |
| Salaries and employee benefits | $8,235,000 | 909 |
| Premises and equipment expense | $3,129,000 | 690 |
| Additional noninterest expense | $5,059,000 | 967 |
| Pre-tax net operating income | $14,138,000 | 568 |
| Securities gains (losses) | $628,000 | 542 |
| Applicable income taxes | $4,938,000 | 550 |
| Income before extraordinary items | $9,828,000 | 584 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $9,828,000 | 586 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,037,000 | 565 |
| Cash dividends | $2,549,000 | 1,057 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $9,407,240 | 567 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $38,073,000 | 929 |
| Total interest expense | $19,386,000 | 923 |
| Net interest income | $18,687,000 | 923 |
| Provision for loan and lease losses | $1,335,000 | 837 |
| Total noninterest income | $4,188,000 | 1,042 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,746,000 | 776 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $2,442,000 | 991 |
| Total noninterest expense | $13,087,000 | 1,065 |
| Salaries and employee benefits | $6,728,000 | 1,041 |
| Premises and equipment expense | $2,588,000 | 782 |
| Additional noninterest expense | $3,771,000 | 1,210 |
| Pre-tax net operating income | $8,453,000 | 918 |
| Securities gains (losses) | $-168,000 | 9,544 |
| Applicable income taxes | $2,693,000 | 903 |
| Income before extraordinary items | $5,592,000 | 953 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $5,592,000 | 953 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $460,000 | 1,318 |
| Cash dividends | $1,200,000 | 1,976 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $5,704,560 | 932 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $29,756,000 | 1,100 |
| Total interest expense | $14,308,000 | 1,059 |
| Net interest income | $15,448,000 | 1,139 |
| Provision for loan and lease losses | $2,130,000 | 537 |
| Total noninterest income | $3,425,000 | 1,209 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,595,000 | 832 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,830,000 | 1,227 |
| Total noninterest expense | $14,497,000 | 967 |
| Salaries and employee benefits | $6,253,000 | 1,100 |
| Premises and equipment expense | $2,390,000 | 842 |
| Additional noninterest expense | $5,854,000 | 861 |
| Pre-tax net operating income | $2,246,000 | 3,039 |
| Securities gains (losses) | $-692,000 | 10,125 |
| Applicable income taxes | $598,000 | 3,230 |
| Income before extraordinary items | $956,000 | 4,565 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $956,000 | 4,566 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,740,000 | 494 |
| Cash dividends | $1,264,000 | 1,900 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,398,880 | 3,391 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $18,731,000 | 1,730 |
| Total interest expense | $10,205,000 | 1,495 |
| Net interest income | $8,526,000 | 2,008 |
| Provision for loan and lease losses | $975,000 | 996 |
| Total noninterest income | $2,249,000 | 1,674 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,104,000 | 1,147 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,145,000 | 1,686 |
| Total noninterest expense | $6,125,000 | 2,137 |
| Salaries and employee benefits | $2,859,000 | 2,363 |
| Premises and equipment expense | $1,075,000 | 1,833 |
| Additional noninterest expense | $2,191,000 | 1,932 |
| Pre-tax net operating income | $3,675,000 | 1,974 |
| Securities gains (losses) | $68,000 | 1,523 |
| Applicable income taxes | $1,084,000 | 2,160 |
| Income before extraordinary items | $2,659,000 | 1,969 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,659,000 | 1,968 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $961,000 | 773 |
| Cash dividends | $441,000 | 3,826 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,610,720 | 1,928 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $17,005,000 | 1,940 |
| Total interest expense | $9,043,000 | 1,717 |
| Net interest income | $7,962,000 | 2,198 |
| Provision for loan and lease losses | $880,000 | 1,100 |
| Total noninterest income | $1,710,000 | 1,996 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,123,000 | 1,115 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $587,000 | 2,522 |
| Total noninterest expense | $5,557,000 | 2,327 |
| Salaries and employee benefits | $2,477,000 | 2,674 |
| Premises and equipment expense | $1,121,000 | 1,763 |
| Additional noninterest expense | $1,959,000 | 2,140 |
| Pre-tax net operating income | $3,235,000 | 2,322 |
| Securities gains (losses) | $-7,000 | 9,846 |
| Applicable income taxes | $1,022,000 | 2,392 |
| Income before extraordinary items | $2,206,000 | 2,359 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,206,000 | 2,359 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $344,000 | 1,785 |
| Cash dividends | $204,000 | 5,323 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,210,760 | 2,303 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $14,615,000 | 2,299 |
| Total interest expense | $7,775,000 | 2,016 |
| Net interest income | $6,840,000 | 2,575 |
| Provision for loan and lease losses | $695,000 | 1,337 |
| Total noninterest income | $1,186,000 | 2,712 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $741,000 | 1,831 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $445,000 | 3,167 |
| Total noninterest expense | $5,907,000 | 2,334 |
| Salaries and employee benefits | $2,097,000 | 3,192 |
| Premises and equipment expense | $992,000 | 2,023 |
| Additional noninterest expense | $2,818,000 | 1,839 |
| Pre-tax net operating income | $1,424,000 | 4,519 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $470,000 | 4,359 |
| Income before extraordinary items | $954,000 | 4,666 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $954,000 | 4,667 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $384,000 | 1,734 |
| Cash dividends | $274,000 | 4,759 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $954,000 | 4,615 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $12,896,000 | 2,588 |
| Total interest expense | $6,976,000 | 2,240 |
| Net interest income | $5,920,000 | 3,011 |
| Provision for loan and lease losses | $205,000 | 2,949 |
| Total noninterest income | $898,000 | 3,369 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $514,000 | 2,635 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $384,000 | 3,396 |
| Total noninterest expense | $4,420,000 | 3,034 |
| Salaries and employee benefits | $1,780,000 | 3,687 |
| Premises and equipment expense | $792,000 | 2,500 |
| Additional noninterest expense | $1,848,000 | 2,581 |
| Pre-tax net operating income | $2,193,000 | 3,222 |
| Securities gains (losses) | $63,000 | 1,165 |
| Applicable income taxes | $857,000 | 2,716 |
| Income before extraordinary items | $1,399,000 | 3,470 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,399,000 | 3,468 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,876 |
| Cash dividends | $301,000 | 4,479 |
| Sale, conversion, retirement of capital stock, net | $86,000 | 594 |
| Net operating income | $1,358,680 | 3,519 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,893,000 | 3,371 |
| Total interest expense | $4,502,000 | 2,717 |
| Net interest income | $4,391,000 | 4,003 |
| Provision for loan and lease losses | $5,000 | 8,812 |
| Total noninterest income | $594,000 | 4,698 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $594,000 | 2,604 |
| Total noninterest expense | $3,393,000 | 3,948 |
| Salaries and employee benefits | $1,490,000 | 4,297 |
| Premises and equipment expense | $1,010,000 | 2,013 |
| Additional noninterest expense | $893,000 | 5,207 |
| Pre-tax net operating income | $1,587,000 | 4,209 |
| Securities gains (losses) | $407,000 | 309 |
| Applicable income taxes | $778,000 | 2,836 |
| Income before extraordinary items | $1,216,000 | 3,804 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,216,000 | 3,809 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 7,184 |
| Cash dividends | $219,000 | 5,253 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $955,520 | 4,734 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,049,000 | 4,282 |
| Total interest expense | $3,276,000 | 3,812 |
| Net interest income | $3,773,000 | 4,647 |
| Provision for loan and lease losses | $125,000 | 5,103 |
| Total noninterest income | $572,000 | 5,117 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $572,000 | 2,973 |
| Total noninterest expense | $3,075,000 | 4,411 |
| Salaries and employee benefits | $1,225,000 | 5,142 |
| Premises and equipment expense | $726,000 | 2,783 |
| Additional noninterest expense | $1,124,000 | 4,449 |
| Pre-tax net operating income | $1,145,000 | 5,352 |
| Securities gains (losses) | $568,000 | 821 |
| Applicable income taxes | $660,000 | 3,299 |
| Income before extraordinary items | $1,053,000 | 4,492 |
| Extraordinary gains, net | $10,000 | 2,939 |
| Net income | $1,063,000 | 4,576 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 5,491 |
| Cash dividends | $164,000 | 5,899 |
| Sale, conversion, retirement of capital stock, net | $4,405,000 | 219 |
| Net operating income | $689,480 | 5,925 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,415,000 | 5,196 |
| Total interest expense | $3,221,000 | 4,873 |
| Net interest income | $3,194,000 | 5,410 |
| Provision for loan and lease losses | $450,000 | 3,212 |
| Total noninterest income | $384,000 | 6,696 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $384,000 | 3,804 |
| Total noninterest expense | $2,353,000 | 5,582 |
| Salaries and employee benefits | $970,000 | 6,197 |
| Premises and equipment expense | $597,000 | 3,374 |
| Additional noninterest expense | $786,000 | 6,157 |
| Pre-tax net operating income | $775,000 | 6,682 |
| Securities gains (losses) | $882,000 | 723 |
| Applicable income taxes | $629,000 | 3,296 |
| Income before extraordinary items | $1,028,000 | 4,381 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,028,000 | 4,426 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-29,000 | 13,268 |
| Cash dividends | $74,000 | 7,181 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $463,520 | 7,277 |
* 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.