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Southern Heritage Bank, Income and Expense

2004-06-30 (YTD Data)Rank
Total interest income$3,468,0003,804
Total interest expense$1,041,0003,483
Net interest income$2,427,0003,876
Provision for loan and lease losses$110,0003,324
Total noninterest income$409,0004,040
Gross Fiduciary activities income$01,518
Service charges on deposit accounts$113,0004,994
Trading account gains and fees$0130
Additional Noninterest Income$296,0003,009
Total noninterest expense$1,698,0004,268
Salaries and employee benefits$1,001,0003,972
Premises and equipment expense$267,0003,874
Additional noninterest expense$430,0004,825
Pre-tax net operating income$1,028,0003,470
Securities gains (losses)$20,0002,036
Applicable income taxes$396,0002,586
Income before extraordinary items$652,0004,013
Extraordinary gains, net$021
Net income$652,0004,014
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$36,0003,456
Cash dividends$05,087
Sale, conversion, retirement of capital stock, net$0638
Net operating income$639,2003,986
2004-03-31 (YTD Data)Rank
Total interest income$1,781,0003,734
Total interest expense$523,0003,505
Net interest income$1,258,0003,745
Provision for loan and lease losses$100,0002,105
Total noninterest income$206,0003,997
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$48,0005,292
Trading account gains and fees$0121
Additional Noninterest Income$158,0002,848
Total noninterest expense$843,0004,322
Salaries and employee benefits$511,0003,936
Premises and equipment expense$128,0004,030
Additional noninterest expense$204,0005,003
Pre-tax net operating income$521,0003,411
Securities gains (losses)$02,934
Applicable income taxes$197,0002,609
Income before extraordinary items$324,0004,063
Extraordinary gains, net$016
Net income$324,0004,062
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$25,0002,675
Cash dividends$03,841
Sale, conversion, retirement of capital stock, net$0464
Net operating income$324,0003,925
2003-12-31 (YTD Data)Rank
Total interest income$6,586,0004,007
Total interest expense$2,363,0003,494
Net interest income$4,223,0004,194
Provision for loan and lease losses$1,206,000977
Total noninterest income$901,0003,950
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$179,0005,496
Trading account gains and fees$0160
Additional Noninterest Income$722,0002,910
Total noninterest expense$3,172,0004,439
Salaries and employee benefits$1,945,0004,016
Premises and equipment expense$435,0004,462
Additional noninterest expense$792,0005,084
Pre-tax net operating income$746,0005,860
Securities gains (losses)$04,500
Applicable income taxes$262,0004,484
Income before extraordinary items$484,0006,409
Extraordinary gains, net$054
Net income$484,0006,414
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,021,000911
Cash dividends$06,283
Sale, conversion, retirement of capital stock, net$0868
Net operating income$484,0006,252
2003-09-30 (YTD Data)Rank
Total interest income$4,869,0004,097
Total interest expense$1,828,0003,518
Net interest income$3,041,0004,350
Provision for loan and lease losses$641,0001,329
Total noninterest income$714,0003,894
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$130,0005,604
Trading account gains and fees$0153
Additional Noninterest Income$584,0002,868
Total noninterest expense$2,353,0004,462
Salaries and employee benefits$1,465,0003,999
Premises and equipment expense$302,0004,698
Additional noninterest expense$586,0005,094
Pre-tax net operating income$761,0005,283
Securities gains (losses)$04,204
Applicable income taxes$289,0003,986
Income before extraordinary items$472,0005,985
Extraordinary gains, net$040
Net income$472,0005,986
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$16,0005,594
Cash dividends$05,519
Sale, conversion, retirement of capital stock, net$0722
Net operating income$472,0005,822
2003-06-30 (YTD Data)Rank
Total interest income$3,149,0004,252
Total interest expense$1,231,0003,590
Net interest income$1,918,0004,516
Provision for loan and lease losses$240,0002,189
Total noninterest income$476,0003,849
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$81,0005,739
Trading account gains and fees$0150
Additional Noninterest Income$395,0002,819
Total noninterest expense$1,515,0004,551
Salaries and employee benefits$945,0004,096
Premises and equipment expense$189,0004,885
Additional noninterest expense$381,0005,183
Pre-tax net operating income$639,0004,662
Securities gains (losses)$03,782
Applicable income taxes$242,0003,612
Income before extraordinary items$397,0005,430
Extraordinary gains, net$030
Net income$397,0005,430
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$9,0005,353
Cash dividends$05,215
Sale, conversion, retirement of capital stock, net$0589
Net operating income$397,0005,224
2003-03-31 (YTD Data)Rank
Total interest income$1,524,0004,377
Total interest expense$595,0003,779
Net interest income$929,0004,612
Provision for loan and lease losses$123,0002,012
Total noninterest income$191,0004,284
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$37,0005,850
Trading account gains and fees$0134
Additional Noninterest Income$154,0003,164
Total noninterest expense$710,0004,747
Salaries and employee benefits$441,0004,307
Premises and equipment expense$92,0004,977
Additional noninterest expense$177,0005,409
Pre-tax net operating income$287,0004,906
Securities gains (losses)$02,891
Applicable income taxes$109,0003,790
Income before extraordinary items$178,0005,620
Extraordinary gains, net$021
Net income$178,0005,619
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-2,0007,770
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$0419
Net operating income$178,0005,425
2002-12-31 (YTD Data)Rank
Total interest income$4,939,0005,217
Total interest expense$1,858,0005,054
Net interest income$3,081,0005,204
Provision for loan and lease losses$298,0003,488
Total noninterest income$564,0004,888
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$146,0005,880
Trading account gains and fees$0153
Additional Noninterest Income$418,0003,623
Total noninterest expense$2,386,0005,246
Salaries and employee benefits$1,495,0004,711
Premises and equipment expense$296,0005,632
Additional noninterest expense$595,0005,964
Pre-tax net operating income$961,0005,309
Securities gains (losses)$7,0003,799
Applicable income taxes$355,0004,124
Income before extraordinary items$613,0005,912
Extraordinary gains, net$070
Net income$613,0005,910
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$39,0005,609
Cash dividends$06,377
Sale, conversion, retirement of capital stock, net$0862
Net operating income$608,5205,791
2001-12-31 (YTD Data)Rank
Total interest income$3,908,0006,431
Total interest expense$1,791,0006,426
Net interest income$2,117,0006,253
Provision for loan and lease losses$206,0004,068
Total noninterest income$434,0005,474
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$140,0005,943
Trading account gains and fees$0177
Additional Noninterest Income$294,0004,159
Total noninterest expense$1,930,0005,870
Salaries and employee benefits$1,113,0005,605
Premises and equipment expense$302,0005,494
Additional noninterest expense$515,0006,347
Pre-tax net operating income$415,0006,907
Securities gains (losses)$04,612
Applicable income taxes$07,903
Income before extraordinary items$415,0006,493
Extraordinary gains, net$0105
Net income$415,0006,496
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$16,0006,506
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$0922
Net operating income$415,0006,368
2000-12-31 (YTD Data)Rank
Total interest income$3,038,0007,375
Total interest expense$1,331,0007,504
Net interest income$1,707,0007,106
Provision for loan and lease losses$176,0004,067
Total noninterest income$163,0007,709
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$117,0006,270
Trading account gains and feesNANA
Additional Noninterest Income$46,0007,965
Total noninterest expense$1,613,0006,455
Salaries and employee benefits$869,0006,422
Premises and equipment expense$250,0006,046
Additional noninterest expense$494,0006,468
Pre-tax net operating income$81,0008,868
Securities gains (losses)$01,956
Applicable income taxes$08,362
Income before extraordinary items$81,0008,817
Extraordinary gains, net$038
Net income$81,0008,817
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$34,0005,307
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$0969
Net operating income$81,0008,805
1999-12-31 (YTD Data)Rank
Total interest income$1,567,0008,979
Total interest expense$622,0009,159
Net interest income$945,0008,745
Provision for loan and lease losses$265,0002,939
Total noninterest income$84,0009,074
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$57,0007,665
Trading account gains and feesNANA
Additional Noninterest Income$27,0008,963
Total noninterest expense$1,319,0007,251
Salaries and employee benefits$567,0007,923
Premises and equipment expense$235,0006,258
Additional noninterest expense$517,0006,384
Pre-tax net operating income$-554,0009,885
Securities gains (losses)$03,155
Applicable income taxes$08,765
Income before extraordinary items$-554,0009,933
Extraordinary gains, net$035
Net income$-554,0009,931
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,0007,619
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$8,000,000123
Net operating income$-554,0009,912

* 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.