Home > Southern Heritage Bank > Income and Expense
Southern Heritage Bank, Income and Expense
2004-06-30 (YTD Data) | Rank | |
Total interest income | $3,468,000 | 3,804 |
Total interest expense | $1,041,000 | 3,483 |
Net interest income | $2,427,000 | 3,876 |
Provision for loan and lease losses | $110,000 | 3,324 |
Total noninterest income | $409,000 | 4,040 |
Gross Fiduciary activities income | $0 | 1,518 |
Service charges on deposit accounts | $113,000 | 4,994 |
Trading account gains and fees | $0 | 130 |
Additional Noninterest Income | $296,000 | 3,009 |
Total noninterest expense | $1,698,000 | 4,268 |
Salaries and employee benefits | $1,001,000 | 3,972 |
Premises and equipment expense | $267,000 | 3,874 |
Additional noninterest expense | $430,000 | 4,825 |
Pre-tax net operating income | $1,028,000 | 3,470 |
Securities gains (losses) | $20,000 | 2,036 |
Applicable income taxes | $396,000 | 2,586 |
Income before extraordinary items | $652,000 | 4,013 |
Extraordinary gains, net | $0 | 21 |
Net income | $652,000 | 4,014 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $36,000 | 3,456 |
Cash dividends | $0 | 5,087 |
Sale, conversion, retirement of capital stock, net | $0 | 638 |
Net operating income | $639,200 | 3,986 |
2004-03-31 (YTD Data) | Rank | |
Total interest income | $1,781,000 | 3,734 |
Total interest expense | $523,000 | 3,505 |
Net interest income | $1,258,000 | 3,745 |
Provision for loan and lease losses | $100,000 | 2,105 |
Total noninterest income | $206,000 | 3,997 |
Gross Fiduciary activities income | $0 | 1,441 |
Service charges on deposit accounts | $48,000 | 5,292 |
Trading account gains and fees | $0 | 121 |
Additional Noninterest Income | $158,000 | 2,848 |
Total noninterest expense | $843,000 | 4,322 |
Salaries and employee benefits | $511,000 | 3,936 |
Premises and equipment expense | $128,000 | 4,030 |
Additional noninterest expense | $204,000 | 5,003 |
Pre-tax net operating income | $521,000 | 3,411 |
Securities gains (losses) | $0 | 2,934 |
Applicable income taxes | $197,000 | 2,609 |
Income before extraordinary items | $324,000 | 4,063 |
Extraordinary gains, net | $0 | 16 |
Net income | $324,000 | 4,062 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $25,000 | 2,675 |
Cash dividends | $0 | 3,841 |
Sale, conversion, retirement of capital stock, net | $0 | 464 |
Net operating income | $324,000 | 3,925 |
2003-12-31 (YTD Data) | Rank | |
Total interest income | $6,586,000 | 4,007 |
Total interest expense | $2,363,000 | 3,494 |
Net interest income | $4,223,000 | 4,194 |
Provision for loan and lease losses | $1,206,000 | 977 |
Total noninterest income | $901,000 | 3,950 |
Gross Fiduciary activities income | $0 | 1,641 |
Service charges on deposit accounts | $179,000 | 5,496 |
Trading account gains and fees | $0 | 160 |
Additional Noninterest Income | $722,000 | 2,910 |
Total noninterest expense | $3,172,000 | 4,439 |
Salaries and employee benefits | $1,945,000 | 4,016 |
Premises and equipment expense | $435,000 | 4,462 |
Additional noninterest expense | $792,000 | 5,084 |
Pre-tax net operating income | $746,000 | 5,860 |
Securities gains (losses) | $0 | 4,500 |
Applicable income taxes | $262,000 | 4,484 |
Income before extraordinary items | $484,000 | 6,409 |
Extraordinary gains, net | $0 | 54 |
Net income | $484,000 | 6,414 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $1,021,000 | 911 |
Cash dividends | $0 | 6,283 |
Sale, conversion, retirement of capital stock, net | $0 | 868 |
Net operating income | $484,000 | 6,252 |
2003-09-30 (YTD Data) | Rank | |
Total interest income | $4,869,000 | 4,097 |
Total interest expense | $1,828,000 | 3,518 |
Net interest income | $3,041,000 | 4,350 |
Provision for loan and lease losses | $641,000 | 1,329 |
Total noninterest income | $714,000 | 3,894 |
Gross Fiduciary activities income | $0 | 1,599 |
Service charges on deposit accounts | $130,000 | 5,604 |
Trading account gains and fees | $0 | 153 |
Additional Noninterest Income | $584,000 | 2,868 |
Total noninterest expense | $2,353,000 | 4,462 |
Salaries and employee benefits | $1,465,000 | 3,999 |
Premises and equipment expense | $302,000 | 4,698 |
Additional noninterest expense | $586,000 | 5,094 |
Pre-tax net operating income | $761,000 | 5,283 |
Securities gains (losses) | $0 | 4,204 |
Applicable income taxes | $289,000 | 3,986 |
Income before extraordinary items | $472,000 | 5,985 |
Extraordinary gains, net | $0 | 40 |
Net income | $472,000 | 5,986 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $16,000 | 5,594 |
Cash dividends | $0 | 5,519 |
Sale, conversion, retirement of capital stock, net | $0 | 722 |
Net operating income | $472,000 | 5,822 |
2003-06-30 (YTD Data) | Rank | |
Total interest income | $3,149,000 | 4,252 |
Total interest expense | $1,231,000 | 3,590 |
Net interest income | $1,918,000 | 4,516 |
Provision for loan and lease losses | $240,000 | 2,189 |
Total noninterest income | $476,000 | 3,849 |
Gross Fiduciary activities income | $0 | 1,577 |
Service charges on deposit accounts | $81,000 | 5,739 |
Trading account gains and fees | $0 | 150 |
Additional Noninterest Income | $395,000 | 2,819 |
Total noninterest expense | $1,515,000 | 4,551 |
Salaries and employee benefits | $945,000 | 4,096 |
Premises and equipment expense | $189,000 | 4,885 |
Additional noninterest expense | $381,000 | 5,183 |
Pre-tax net operating income | $639,000 | 4,662 |
Securities gains (losses) | $0 | 3,782 |
Applicable income taxes | $242,000 | 3,612 |
Income before extraordinary items | $397,000 | 5,430 |
Extraordinary gains, net | $0 | 30 |
Net income | $397,000 | 5,430 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $9,000 | 5,353 |
Cash dividends | $0 | 5,215 |
Sale, conversion, retirement of capital stock, net | $0 | 589 |
Net operating income | $397,000 | 5,224 |
2003-03-31 (YTD Data) | Rank | |
Total interest income | $1,524,000 | 4,377 |
Total interest expense | $595,000 | 3,779 |
Net interest income | $929,000 | 4,612 |
Provision for loan and lease losses | $123,000 | 2,012 |
Total noninterest income | $191,000 | 4,284 |
Gross Fiduciary activities income | $0 | 1,504 |
Service charges on deposit accounts | $37,000 | 5,850 |
Trading account gains and fees | $0 | 134 |
Additional Noninterest Income | $154,000 | 3,164 |
Total noninterest expense | $710,000 | 4,747 |
Salaries and employee benefits | $441,000 | 4,307 |
Premises and equipment expense | $92,000 | 4,977 |
Additional noninterest expense | $177,000 | 5,409 |
Pre-tax net operating income | $287,000 | 4,906 |
Securities gains (losses) | $0 | 2,891 |
Applicable income taxes | $109,000 | 3,790 |
Income before extraordinary items | $178,000 | 5,620 |
Extraordinary gains, net | $0 | 21 |
Net income | $178,000 | 5,619 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $-2,000 | 7,770 |
Cash dividends | $0 | 3,930 |
Sale, conversion, retirement of capital stock, net | $0 | 419 |
Net operating income | $178,000 | 5,425 |
2002-12-31 (YTD Data) | Rank | |
Total interest income | $4,939,000 | 5,217 |
Total interest expense | $1,858,000 | 5,054 |
Net interest income | $3,081,000 | 5,204 |
Provision for loan and lease losses | $298,000 | 3,488 |
Total noninterest income | $564,000 | 4,888 |
Gross Fiduciary activities income | $0 | 1,713 |
Service charges on deposit accounts | $146,000 | 5,880 |
Trading account gains and fees | $0 | 153 |
Additional Noninterest Income | $418,000 | 3,623 |
Total noninterest expense | $2,386,000 | 5,246 |
Salaries and employee benefits | $1,495,000 | 4,711 |
Premises and equipment expense | $296,000 | 5,632 |
Additional noninterest expense | $595,000 | 5,964 |
Pre-tax net operating income | $961,000 | 5,309 |
Securities gains (losses) | $7,000 | 3,799 |
Applicable income taxes | $355,000 | 4,124 |
Income before extraordinary items | $613,000 | 5,912 |
Extraordinary gains, net | $0 | 70 |
Net income | $613,000 | 5,910 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $39,000 | 5,609 |
Cash dividends | $0 | 6,377 |
Sale, conversion, retirement of capital stock, net | $0 | 862 |
Net operating income | $608,520 | 5,791 |
2001-12-31 (YTD Data) | Rank | |
Total interest income | $3,908,000 | 6,431 |
Total interest expense | $1,791,000 | 6,426 |
Net interest income | $2,117,000 | 6,253 |
Provision for loan and lease losses | $206,000 | 4,068 |
Total noninterest income | $434,000 | 5,474 |
Gross Fiduciary activities income | $0 | 1,731 |
Service charges on deposit accounts | $140,000 | 5,943 |
Trading account gains and fees | $0 | 177 |
Additional Noninterest Income | $294,000 | 4,159 |
Total noninterest expense | $1,930,000 | 5,870 |
Salaries and employee benefits | $1,113,000 | 5,605 |
Premises and equipment expense | $302,000 | 5,494 |
Additional noninterest expense | $515,000 | 6,347 |
Pre-tax net operating income | $415,000 | 6,907 |
Securities gains (losses) | $0 | 4,612 |
Applicable income taxes | $0 | 7,903 |
Income before extraordinary items | $415,000 | 6,493 |
Extraordinary gains, net | $0 | 105 |
Net income | $415,000 | 6,496 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $16,000 | 6,506 |
Cash dividends | $0 | 6,617 |
Sale, conversion, retirement of capital stock, net | $0 | 922 |
Net operating income | $415,000 | 6,368 |
2000-12-31 (YTD Data) | Rank | |
Total interest income | $3,038,000 | 7,375 |
Total interest expense | $1,331,000 | 7,504 |
Net interest income | $1,707,000 | 7,106 |
Provision for loan and lease losses | $176,000 | 4,067 |
Total noninterest income | $163,000 | 7,709 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $117,000 | 6,270 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $46,000 | 7,965 |
Total noninterest expense | $1,613,000 | 6,455 |
Salaries and employee benefits | $869,000 | 6,422 |
Premises and equipment expense | $250,000 | 6,046 |
Additional noninterest expense | $494,000 | 6,468 |
Pre-tax net operating income | $81,000 | 8,868 |
Securities gains (losses) | $0 | 1,956 |
Applicable income taxes | $0 | 8,362 |
Income before extraordinary items | $81,000 | 8,817 |
Extraordinary gains, net | $0 | 38 |
Net income | $81,000 | 8,817 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $34,000 | 5,307 |
Cash dividends | $0 | 6,853 |
Sale, conversion, retirement of capital stock, net | $0 | 969 |
Net operating income | $81,000 | 8,805 |
1999-12-31 (YTD Data) | Rank | |
Total interest income | $1,567,000 | 8,979 |
Total interest expense | $622,000 | 9,159 |
Net interest income | $945,000 | 8,745 |
Provision for loan and lease losses | $265,000 | 2,939 |
Total noninterest income | $84,000 | 9,074 |
Gross Fiduciary activities income | NA | NA |
Service charges on deposit accounts | $57,000 | 7,665 |
Trading account gains and fees | NA | NA |
Additional Noninterest Income | $27,000 | 8,963 |
Total noninterest expense | $1,319,000 | 7,251 |
Salaries and employee benefits | $567,000 | 7,923 |
Premises and equipment expense | $235,000 | 6,258 |
Additional noninterest expense | $517,000 | 6,384 |
Pre-tax net operating income | $-554,000 | 9,885 |
Securities gains (losses) | $0 | 3,155 |
Applicable income taxes | $0 | 8,765 |
Income before extraordinary items | $-554,000 | 9,933 |
Extraordinary gains, net | $0 | 35 |
Net income | $-554,000 | 9,931 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $2,000 | 7,619 |
Cash dividends | $0 | 7,131 |
Sale, conversion, retirement of capital stock, net | $8,000,000 | 123 |
Net operating income | $-554,000 | 9,912 |
* 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.