Home > Southern Heritage Savings Bank > Income and Expense
Southern Heritage Savings Bank, Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,622,000 | 8,767 |
| Total interest expense | $1,124,000 | 8,831 |
| Net interest income | $1,498,000 | 8,538 |
| Provision for loan and lease losses | $55,000 | 6,005 |
| Total noninterest income | $325,000 | 6,785 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $253,000 | 4,907 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $72,000 | 8,274 |
| Total noninterest expense | $1,191,000 | 8,239 |
| Salaries and employee benefits | $506,000 | 9,065 |
| Premises and equipment expense | $219,000 | 6,844 |
| Additional noninterest expense | $466,000 | 7,552 |
| Pre-tax net operating income | $577,000 | 8,008 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $219,000 | 7,114 |
| Income before extraordinary items | $358,000 | 8,405 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $358,000 | 8,407 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-27,000 | 11,179 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $13,000 | 751 |
| Net operating income | $358,000 | 8,388 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,950,000 | 9,884 |
| Total interest expense | $750,000 | 9,834 |
| Net interest income | $1,200,000 | 9,768 |
| Provision for loan and lease losses | $32,000 | 7,014 |
| Total noninterest income | $230,000 | 8,246 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $212,000 | 5,636 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 11,564 |
| Total noninterest expense | $1,099,000 | 8,986 |
| Salaries and employee benefits | $484,000 | 9,538 |
| Premises and equipment expense | $217,000 | 7,104 |
| Additional noninterest expense | $398,000 | 8,846 |
| Pre-tax net operating income | $299,000 | 10,146 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $76,000 | 9,895 |
| Income before extraordinary items | $223,000 | 10,004 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $223,000 | 10,015 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-24,000 | 11,382 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $223,000 | 10,063 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,712,000 | 10,778 |
| Total interest expense | $771,000 | 10,194 |
| Net interest income | $941,000 | 10,992 |
| Provision for loan and lease losses | $50,000 | 7,415 |
| Total noninterest income | $163,000 | 9,957 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $145,000 | 7,220 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 12,177 |
| Total noninterest expense | $1,311,000 | 8,476 |
| Salaries and employee benefits | $426,000 | 10,375 |
| Premises and equipment expense | $194,000 | 7,809 |
| Additional noninterest expense | $691,000 | 6,630 |
| Pre-tax net operating income | $-257,000 | 12,735 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $42,000 | 11,116 |
| Income before extraordinary items | $-299,000 | 12,826 |
| Extraordinary gains, net | $134,000 | 1,335 |
| Net income | $-165,000 | 12,743 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-299,000 | 12,754 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,634,000 | 11,646 |
| Total interest expense | $874,000 | 10,980 |
| Net interest income | $760,000 | 12,075 |
| Provision for loan and lease losses | $15,000 | 10,851 |
| Total noninterest income | $151,000 | 10,475 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $133,000 | 7,585 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 12,735 |
| Total noninterest expense | $962,000 | 10,150 |
| Salaries and employee benefits | $343,000 | 11,517 |
| Premises and equipment expense | $142,000 | 9,348 |
| Additional noninterest expense | $477,000 | 8,672 |
| Pre-tax net operating income | $-66,000 | 12,886 |
| Securities gains (losses) | $-67,000 | 13,718 |
| Applicable income taxes | $4,000 | 12,540 |
| Income before extraordinary items | $-137,000 | 13,108 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-137,000 | 13,102 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-70,000 | 12,854 |
* 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.