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SouthTrust Bank of Russell County, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$3,214,000	7,708
Total interest expense	$1,271,000	8,185
Net interest income	$1,943,000	7,269
Provision for loan and lease losses	$108,000	4,918
Total noninterest income	$632,000	4,405
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$552,000	2,468
Trading account gains and fees	NA	NA
Additional Noninterest Income	$80,000	7,742
Total noninterest expense	$1,618,000	6,797
Salaries and employee benefits	$682,000	7,640
Premises and equipment expense	$159,000	7,849
Additional noninterest expense	$777,000	5,313
Pre-tax net operating income	$849,000	6,299
Securities gains (losses)	$0	4,148
Applicable income taxes	$304,000	5,784
Income before extraordinary items	$545,000	6,591
Extraordinary gains, net	$0	53
Net income	$545,000	6,594
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$68,000	4,696
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$545,000	6,526
1995-12-31 (YTD Data)		Rank
Total interest income	$2,907,000	8,352
Total interest expense	$1,150,000	8,755
Net interest income	$1,757,000	7,878
Provision for loan and lease losses	$108,000	4,448
Total noninterest income	$595,000	4,594
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$532,000	2,531
Trading account gains and fees	NA	NA
Additional Noninterest Income	$63,000	8,620
Total noninterest expense	$1,608,000	6,957
Salaries and employee benefits	$681,000	7,848
Premises and equipment expense	$152,000	8,217
Additional noninterest expense	$775,000	5,394
Pre-tax net operating income	$636,000	7,673
Securities gains (losses)	$0	3,831
Applicable income taxes	$223,000	7,049
Income before extraordinary items	$413,000	7,938
Extraordinary gains, net	$0	65
Net income	$413,000	7,937
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	8,482
Cash dividends	$242,000	5,069
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$413,000	7,904
1994-12-31 (YTD Data)		Rank
Total interest income	$2,400,000	9,088
Total interest expense	$818,000	9,505
Net interest income	$1,582,000	8,637
Provision for loan and lease losses	$60,000	5,594
Total noninterest income	$605,000	4,625
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$548,000	2,490
Trading account gains and fees	NA	NA
Additional Noninterest Income	$57,000	9,251
Total noninterest expense	$1,558,000	7,420
Salaries and employee benefits	$679,000	8,036
Premises and equipment expense	$162,000	8,250
Additional noninterest expense	$717,000	6,200
Pre-tax net operating income	$569,000	8,190
Securities gains (losses)	$0	3,600
Applicable income taxes	$196,000	7,404
Income before extraordinary items	$373,000	8,425
Extraordinary gains, net	$0	249
Net income	$373,000	8,427
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$82,000	4,111
Cash dividends	$207,000	5,367
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$373,000	8,479
1993-12-31 (YTD Data)		Rank
Total interest income	$2,195,000	9,799
Total interest expense	$729,000	10,416
Net interest income	$1,466,000	9,222
Provision for loan and lease losses	$89,000	6,111
Total noninterest income	$564,000	5,168
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$513,000	2,705
Trading account gains and fees	NA	NA
Additional Noninterest Income	$51,000	10,038
Total noninterest expense	$1,431,000	8,075
Salaries and employee benefits	$600,000	8,805
Premises and equipment expense	$190,000	7,890
Additional noninterest expense	$641,000	7,003
Pre-tax net operating income	$510,000	8,601
Securities gains (losses)	$0	7,477
Applicable income taxes	$173,000	8,146
Income before extraordinary items	$337,000	9,061
Extraordinary gains, net	$0	3,149
Net income	$337,000	9,233
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$62,000	5,605
Cash dividends	$184,000	5,650
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$337,000	8,808
1992-12-31 (YTD Data)		Rank
Total interest income	$2,266,000	10,343
Total interest expense	$869,000	11,005
Net interest income	$1,397,000	9,634
Provision for loan and lease losses	$168,000	5,780
Total noninterest income	$550,000	5,282
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$485,000	2,874
Trading account gains and fees	NA	NA
Additional Noninterest Income	$65,000	9,539
Total noninterest expense	$1,438,000	8,144
Salaries and employee benefits	$579,000	8,998
Premises and equipment expense	$172,000	8,516
Additional noninterest expense	$687,000	6,839
Pre-tax net operating income	$341,000	9,768
Securities gains (losses)	$0	8,369
Applicable income taxes	$115,000	9,514
Income before extraordinary items	$226,000	10,237
Extraordinary gains, net	$0	1,422
Net income	$226,000	10,385
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$114,000	5,577
Cash dividends	$112,000	6,357
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$226,000	9,886

* 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.