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Colonial Bank of South Carolina, Inc., Income and Expense

1997-12-31 (YTD Data)		Rank
Total interest income	$4,001,000	6,661
Total interest expense	$2,184,000	5,914
Net interest income	$1,817,000	7,279
Provision for loan and lease losses	$320,000	2,457
Total noninterest income	$287,000	6,791
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$196,000	5,391
Trading account gains and fees	NA	NA
Additional Noninterest Income	$91,000	7,039
Total noninterest expense	$1,800,000	6,068
Salaries and employee benefits	$954,000	6,033
Premises and equipment expense	$168,000	7,420
Additional noninterest expense	$678,000	5,340
Pre-tax net operating income	$-16,000	10,405
Securities gains (losses)	$0	3,944
Applicable income taxes	$59,000	9,108
Income before extraordinary items	$-75,000	10,495
Extraordinary gains, net	$0	44
Net income	$-75,000	10,497
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$50,000	5,126
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$1,472,000	411
Net operating income	$-75,000	10,461
1996-12-31 (YTD Data)		Rank
Total interest income	$3,436,000	7,467
Total interest expense	$1,832,000	6,771
Net interest income	$1,604,000	8,021
Provision for loan and lease losses	$60,000	6,086
Total noninterest income	$301,000	6,926
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$205,000	5,460
Trading account gains and fees	NA	NA
Additional Noninterest Income	$96,000	7,256
Total noninterest expense	$1,483,000	7,155
Salaries and employee benefits	$795,000	7,007
Premises and equipment expense	$177,000	7,497
Additional noninterest expense	$511,000	6,965
Pre-tax net operating income	$362,000	8,738
Securities gains (losses)	$0	4,148
Applicable income taxes	$84,000	9,042
Income before extraordinary items	$278,000	8,611
Extraordinary gains, net	$0	53
Net income	$278,000	8,609
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$27,000	6,315
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$278,000	8,543
1995-12-31 (YTD Data)		Rank
Total interest income	$2,516,000	8,943
Total interest expense	$1,436,000	7,867
Net interest income	$1,080,000	9,685
Provision for loan and lease losses	$41,000	6,593
Total noninterest income	$242,000	7,800
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	522
Additional Noninterest Income	$242,000	4,569
Total noninterest expense	$1,170,000	8,319
Salaries and employee benefits	$653,000	8,041
Premises and equipment expense	$236,000	6,571
Additional noninterest expense	$281,000	9,475
Pre-tax net operating income	$111,000	11,021
Securities gains (losses)	$13,000	2,193
Applicable income taxes	$6,000	10,990
Income before extraordinary items	$118,000	10,770
Extraordinary gains, net	$0	65
Net income	$118,000	10,770
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	8,036
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	NA	NA
Net operating income	$105,650	10,857
1994-12-31 (YTD Data)		Rank
Total interest income	$1,492,000	10,747
Total interest expense	$681,000	10,205
Net interest income	$811,000	11,014
Provision for loan and lease losses	$32,000	7,014
Total noninterest income	$92,000	10,935
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	475
Additional Noninterest Income	$92,000	7,774
Total noninterest expense	$750,000	10,467
Salaries and employee benefits	$443,000	9,888
Premises and equipment expense	$121,000	9,362
Additional noninterest expense	$186,000	11,325
Pre-tax net operating income	$121,000	11,487
Securities gains (losses)	$4,000	2,755
Applicable income taxes	$3,000	11,532
Income before extraordinary items	$122,000	11,134
Extraordinary gains, net	$0	249
Net income	$122,000	11,140
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	8,524
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$-18,000	12,469
Net operating income	$118,080	11,229
1993-12-31 (YTD Data)		Rank
Total interest income	$306,000	13,178
Total interest expense	$110,000	13,163
Net interest income	$196,000	13,132
Provision for loan and lease losses	$0	10,371
Total noninterest income	$69,000	12,094
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$69,000	9,126
Total noninterest expense	$273,000	13,045
Salaries and employee benefits	$175,000	12,822
Premises and equipment expense	$50,000	12,210
Additional noninterest expense	$48,000	13,218
Pre-tax net operating income	$-8,000	12,464
Securities gains (losses)	$0	7,477
Applicable income taxes	$0	12,141
Income before extraordinary items	$-8,000	12,551
Extraordinary gains, net	$0	3,149
Net income	$-8,000	12,577
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	9,922
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$-5,000	13,151
Net operating income	$-8,000	12,422

* 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.