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sSouthTrust Bank of Northwest Florida, Income and Expense

1996-12-31 (YTD Data)Rank
Total interest income$27,766,0001,238
Total interest expense$13,037,0001,250
Net interest income$14,729,0001,223
Provision for loan and lease losses$1,500,000754
Total noninterest income$3,150,0001,313
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$2,616,000522
Trading account gains and fees$0262
Additional Noninterest Income$534,0002,797
Total noninterest expense$11,539,0001,246
Salaries and employee benefits$5,019,0001,343
Premises and equipment expense$1,631,0001,258
Additional noninterest expense$4,889,0001,157
Pre-tax net operating income$4,840,0001,497
Securities gains (losses)$-4,0009,823
Applicable income taxes$1,915,0001,291
Income before extraordinary items$2,921,0001,703
Extraordinary gains, net$053
Net income$2,921,0001,704
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$663,0001,168
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$2,923,5601,665
1995-12-31 (YTD Data)Rank
Total interest income$20,833,0001,626
Total interest expense$9,617,0001,651
Net interest income$11,216,0001,601
Provision for loan and lease losses$1,056,000899
Total noninterest income$2,345,0001,613
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$1,992,000681
Trading account gains and fees$0522
Additional Noninterest Income$353,0003,590
Total noninterest expense$9,009,0001,580
Salaries and employee benefits$4,054,0001,631
Premises and equipment expense$1,256,0001,614
Additional noninterest expense$3,699,0001,420
Pre-tax net operating income$3,496,0002,106
Securities gains (losses)$03,831
Applicable income taxes$1,314,0001,848
Income before extraordinary items$2,182,0002,311
Extraordinary gains, net$065
Net income$2,182,0002,309
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$688,0001,127
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$2,182,0002,287
1994-12-31 (YTD Data)Rank
Total interest income$15,019,0002,065
Total interest expense$4,981,0002,471
Net interest income$10,038,0001,801
Provision for loan and lease losses$840,0001,048
Total noninterest income$2,102,0001,784
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$1,849,000724
Trading account gains and fees$0475
Additional Noninterest Income$253,0004,561
Total noninterest expense$6,839,0002,086
Salaries and employee benefits$2,907,0002,302
Premises and equipment expense$864,0002,344
Additional noninterest expense$3,068,0001,769
Pre-tax net operating income$4,461,0001,607
Securities gains (losses)$03,600
Applicable income taxes$1,626,0001,442
Income before extraordinary items$2,835,0001,736
Extraordinary gains, net$0249
Net income$2,835,0001,735
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$666,0001,130
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$2,835,0001,731
1993-12-31 (YTD Data)Rank
Total interest income$14,390,0002,157
Total interest expense$4,797,0002,682
Net interest income$9,593,0001,882
Provision for loan and lease losses$840,0001,468
Total noninterest income$1,795,0002,116
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$1,559,000831
Trading account gains and fees$0532
Additional Noninterest Income$236,0005,167
Total noninterest expense$6,299,0002,296
Salaries and employee benefits$2,627,0002,528
Premises and equipment expense$780,0002,616
Additional noninterest expense$2,892,0001,965
Pre-tax net operating income$4,249,0001,630
Securities gains (losses)$07,477
Applicable income taxes$1,534,0001,537
Income before extraordinary items$2,715,0001,833
Extraordinary gains, net$03,149
Net income$2,715,0001,898
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$595,0001,589
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$2,715,0001,731
1992-12-31 (YTD Data)Rank
Total interest income$14,282,0002,453
Total interest expense$5,250,0003,161
Net interest income$9,032,0002,025
Provision for loan and lease losses$660,0002,467
Total noninterest income$1,730,0002,144
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$1,517,000860
Trading account gains and fees$0504
Additional Noninterest Income$213,0005,460
Total noninterest expense$6,240,0002,339
Salaries and employee benefits$2,553,0002,530
Premises and equipment expense$798,0002,605
Additional noninterest expense$2,889,0002,052
Pre-tax net operating income$3,862,0001,609
Securities gains (losses)$30,0004,989
Applicable income taxes$1,371,0001,564
Income before extraordinary items$2,521,0001,799
Extraordinary gains, net$134,000603
Net income$2,655,0001,741
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$543,0002,333
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$2,501,5001,676

* 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.