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SouthTrust Bank of Columbus, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$12,923,000	2,589
Total interest expense	$6,557,000	2,355
Net interest income	$6,366,000	2,777
Provision for loan and lease losses	$696,000	1,335
Total noninterest income	$1,488,000	2,313
Gross Fiduciary activities income	$0	1,526
Service charges on deposit accounts	$1,135,000	1,170
Trading account gains and fees	$0	262
Additional Noninterest Income	$353,000	3,675
Total noninterest expense	$5,221,000	2,603
Salaries and employee benefits	$2,382,000	2,816
Premises and equipment expense	$818,000	2,396
Additional noninterest expense	$2,021,000	2,426
Pre-tax net operating income	$1,937,000	3,493
Securities gains (losses)	$2,000	3,501
Applicable income taxes	$657,000	3,332
Income before extraordinary items	$1,282,000	3,665
Extraordinary gains, net	$0	53
Net income	$1,282,000	3,664
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$70,000	4,641
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$1,280,680	3,617
1995-12-31 (YTD Data)		Rank
Total interest income	$11,060,000	2,999
Total interest expense	$5,554,000	2,760
Net interest income	$5,506,000	3,225
Provision for loan and lease losses	$516,000	1,530
Total noninterest income	$1,318,000	2,518
Gross Fiduciary activities income	$0	1,590
Service charges on deposit accounts	$1,055,000	1,281
Trading account gains and fees	$0	522
Additional Noninterest Income	$263,000	4,353
Total noninterest expense	$4,926,000	2,755
Salaries and employee benefits	$2,288,000	2,917
Premises and equipment expense	$752,000	2,632
Additional noninterest expense	$1,886,000	2,531
Pre-tax net operating income	$1,382,000	4,744
Securities gains (losses)	$4,000	2,936
Applicable income taxes	$386,000	5,069
Income before extraordinary items	$1,000,000	4,633
Extraordinary gains, net	$0	65
Net income	$1,000,000	4,632
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$597,000	1,235
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$997,120	4,614
1994-12-31 (YTD Data)		Rank
Total interest income	$6,733,000	4,375
Total interest expense	$3,032,000	3,927
Net interest income	$3,701,000	4,700
Provision for loan and lease losses	$471,000	1,618
Total noninterest income	$894,000	3,375
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$702,000	1,917
Trading account gains and fees	$0	475
Additional Noninterest Income	$192,000	5,402
Total noninterest expense	$3,923,000	3,487
Salaries and employee benefits	$1,612,000	4,004
Premises and equipment expense	$557,000	3,478
Additional noninterest expense	$1,754,000	2,892
Pre-tax net operating income	$201,000	10,888
Securities gains (losses)	$0	3,600
Applicable income taxes	$47,000	10,550
Income before extraordinary items	$154,000	10,770
Extraordinary gains, net	$0	249
Net income	$154,000	10,775
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$32,000	5,873
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$154,000	10,821
1993-12-31 (YTD Data)		Rank
Total interest income	$5,225,000	5,560
Total interest expense	$2,850,000	4,298
Net interest income	$2,375,000	6,782
Provision for loan and lease losses	$390,000	2,506
Total noninterest income	$704,000	4,420
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$642,000	2,132
Trading account gains and fees	NA	NA
Additional Noninterest Income	$62,000	9,431
Total noninterest expense	$3,835,000	3,621
Salaries and employee benefits	$1,177,000	5,316
Premises and equipment expense	$494,000	3,901
Additional noninterest expense	$2,164,000	2,556
Pre-tax net operating income	$-1,146,000	13,000
Securities gains (losses)	$0	7,477
Applicable income taxes	$-446,000	13,125
Income before extraordinary items	$-700,000	12,945
Extraordinary gains, net	$0	3,149
Net income	$-700,000	12,953
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$198,000	3,162
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$-700,000	12,898
1992-12-31 (YTD Data)		Rank
Total interest income	$1,814,000	11,279
Total interest expense	$1,138,000	9,829
Net interest income	$676,000	12,412
Provision for loan and lease losses	$186,000	5,418
Total noninterest income	$136,000	10,779
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$116,000	8,048
Trading account gains and fees	NA	NA
Additional Noninterest Income	$20,000	12,557
Total noninterest expense	$1,151,000	9,277
Salaries and employee benefits	$433,000	10,482
Premises and equipment expense	$141,000	9,376
Additional noninterest expense	$577,000	7,718
Pre-tax net operating income	$-525,000	13,303
Securities gains (losses)	$3,000	7,429
Applicable income taxes	$-210,000	13,662
Income before extraordinary items	$-312,000	13,259
Extraordinary gains, net	$0	1,422
Net income	$-312,000	13,253
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$222,000	3,977
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$-313,920	13,155

* 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.