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Citizens Bank of Talladega, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$4,372,000	6,503
Total interest expense	$2,051,000	6,313
Net interest income	$2,321,000	6,527
Provision for loan and lease losses	$1,000	9,010
Total noninterest income	$661,000	4,271
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$363,000	3,643
Trading account gains and fees	NA	NA
Additional Noninterest Income	$298,000	4,091
Total noninterest expense	$1,731,000	6,544
Salaries and employee benefits	$723,000	7,382
Premises and equipment expense	$347,000	5,035
Additional noninterest expense	$661,000	5,970
Pre-tax net operating income	$1,250,000	4,978
Securities gains (losses)	$0	4,148
Applicable income taxes	$227,000	6,744
Income before extraordinary items	$1,023,000	4,405
Extraordinary gains, net	$0	53
Net income	$1,023,000	4,406
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$96,000	4,017
Cash dividends	$575,000	3,141
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$1,023,000	4,350
1995-12-31 (YTD Data)		Rank
Total interest income	$2,164,000	9,471
Total interest expense	$883,000	9,679
Net interest income	$1,281,000	9,118
Provision for loan and lease losses	$26,000	7,298
Total noninterest income	$352,000	6,459
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$317,000	4,096
Trading account gains and fees	NA	NA
Additional Noninterest Income	$35,000	9,970
Total noninterest expense	$980,000	9,039
Salaries and employee benefits	$418,000	9,811
Premises and equipment expense	$208,000	7,042
Additional noninterest expense	$354,000	8,662
Pre-tax net operating income	$627,000	7,722
Securities gains (losses)	$5,000	2,809
Applicable income taxes	$204,000	7,346
Income before extraordinary items	$428,000	7,820
Extraordinary gains, net	$0	65
Net income	$428,000	7,819
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-9,000	10,624
Cash dividends	$200,000	5,441
Sale, conversion, retirement of capital stock, net	$1,593,000	243
Net operating income	$424,600	7,815
1994-12-31 (YTD Data)		Rank
Total interest income	$1,841,000	10,087
Total interest expense	$675,000	10,234
Net interest income	$1,166,000	9,846
Provision for loan and lease losses	$56,000	5,901
Total noninterest income	$347,000	6,707
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$296,000	4,402
Trading account gains and fees	NA	NA
Additional Noninterest Income	$51,000	9,565
Total noninterest expense	$984,000	9,414
Salaries and employee benefits	$432,000	9,989
Premises and equipment expense	$205,000	7,319
Additional noninterest expense	$347,000	9,382
Pre-tax net operating income	$473,000	8,842
Securities gains (losses)	$0	3,600
Applicable income taxes	$157,000	8,162
Income before extraordinary items	$316,000	8,974
Extraordinary gains, net	$0	249
Net income	$316,000	8,978
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,000	6,338
Cash dividends	$242,000	5,030
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$316,000	9,037
1993-12-31 (YTD Data)		Rank
Total interest income	$1,760,000	10,678
Total interest expense	$652,000	10,859
Net interest income	$1,108,000	10,373
Provision for loan and lease losses	$22,000	8,943
Total noninterest income	$373,000	6,771
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$316,000	4,230
Trading account gains and fees	NA	NA
Additional Noninterest Income	$57,000	9,699
Total noninterest expense	$1,058,000	9,491
Salaries and employee benefits	$429,000	10,344
Premises and equipment expense	$184,000	8,036
Additional noninterest expense	$445,000	8,780
Pre-tax net operating income	$401,000	9,408
Securities gains (losses)	$40,000	3,728
Applicable income taxes	$159,000	8,437
Income before extraordinary items	$282,000	9,667
Extraordinary gains, net	$0	3,149
Net income	$282,000	9,816
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$26,000	7,294
Cash dividends	$145,000	6,191
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$256,400	9,715
1992-12-31 (YTD Data)		Rank
Total interest income	$795,000	13,359
Total interest expense	$320,000	13,427
Net interest income	$475,000	13,158
Provision for loan and lease losses	$0	11,756
Total noninterest income	$247,000	8,545
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$172,000	6,565
Trading account gains and fees	NA	NA
Additional Noninterest Income	$75,000	9,058
Total noninterest expense	$636,000	11,851
Salaries and employee benefits	$229,000	12,842
Premises and equipment expense	$72,000	11,802
Additional noninterest expense	$335,000	10,380
Pre-tax net operating income	$86,000	12,153
Securities gains (losses)	$0	8,369
Applicable income taxes	$10,000	12,372
Income before extraordinary items	$76,000	12,283
Extraordinary gains, net	$0	1,422
Net income	$76,000	12,302
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,000	8,917
Cash dividends	$50,000	7,650
Sale, conversion, retirement of capital stock, net	$2,401,000	274
Net operating income	$76,000	11,979

* 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.