Home > The Florence State Bank > Income and Expense
The Florence State Bank, Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,031,000 | 11,225 |
| Total interest expense | $366,000 | 11,427 |
| Net interest income | $665,000 | 10,934 |
| Provision for loan and lease losses | $15,000 | 7,935 |
| Total noninterest income | $54,000 | 11,282 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $48,000 | 9,304 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $6,000 | 11,713 |
| Total noninterest expense | $363,000 | 11,560 |
| Salaries and employee benefits | $229,000 | 11,303 |
| Premises and equipment expense | $15,000 | 11,854 |
| Additional noninterest expense | $119,000 | 11,438 |
| Pre-tax net operating income | $341,000 | 9,451 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $129,000 | 8,642 |
| Income before extraordinary items | $212,000 | 9,807 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $212,000 | 9,811 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 10,260 |
| Cash dividends | $65,000 | 7,478 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $212,000 | 9,775 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $873,000 | 11,940 |
| Total interest expense | $280,000 | 12,098 |
| Net interest income | $593,000 | 11,730 |
| Provision for loan and lease losses | $6,000 | 8,739 |
| Total noninterest income | $63,000 | 11,648 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $48,000 | 9,761 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $15,000 | 11,783 |
| Total noninterest expense | $404,000 | 12,020 |
| Salaries and employee benefits | $237,000 | 11,777 |
| Premises and equipment expense | $34,000 | 12,133 |
| Additional noninterest expense | $133,000 | 11,987 |
| Pre-tax net operating income | $246,000 | 10,528 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $90,000 | 9,572 |
| Income before extraordinary items | $156,000 | 10,739 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $156,000 | 10,744 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 10,614 |
| Cash dividends | $65,000 | 7,607 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $156,000 | 10,785 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $861,000 | 12,563 |
| Total interest expense | $303,000 | 12,667 |
| Net interest income | $558,000 | 12,374 |
| Provision for loan and lease losses | $22,000 | 8,943 |
| Total noninterest income | $57,000 | 12,364 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $46,000 | 10,201 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $11,000 | 12,687 |
| Total noninterest expense | $365,000 | 12,777 |
| Salaries and employee benefits | $224,000 | 12,419 |
| Premises and equipment expense | $26,000 | 12,948 |
| Additional noninterest expense | $115,000 | 12,812 |
| Pre-tax net operating income | $228,000 | 10,802 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $82,000 | 10,157 |
| Income before extraordinary items | $146,000 | 11,254 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $146,000 | 11,338 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 9,155 |
| Cash dividends | $65,000 | 7,609 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $146,000 | 11,045 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $904,000 | 13,186 |
| Total interest expense | $369,000 | 13,305 |
| Net interest income | $535,000 | 12,948 |
| Provision for loan and lease losses | $53,000 | 8,929 |
| Total noninterest income | $51,000 | 13,086 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $31,000 | 11,039 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 12,557 |
| Total noninterest expense | $365,000 | 13,332 |
| Salaries and employee benefits | $211,000 | 13,035 |
| Premises and equipment expense | $13,000 | 13,799 |
| Additional noninterest expense | $141,000 | 13,080 |
| Pre-tax net operating income | $168,000 | 11,348 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $42,000 | 11,481 |
| Income before extraordinary items | $126,000 | 11,595 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $126,000 | 11,675 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 7,501 |
| Cash dividends | $66,000 | 7,319 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $126,000 | 11,275 |
* 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.