The Montgomery Advertiser from Montgomery, Alabama • 36

2F Monday, March 10, 1997 Montgomery Advertiser Regional Stocks HE CARDS from page IF computing interest that lets crd issuers make more money on people who don't pay their balances in full. McKinley also recently criticized Capital One, a Falls Church, bank, for offering its customers a $20 "enhanced" option of lowering their minimum monthly payments. "Anyone who knows anything about the card business knows that if you make the minimum payment, the 2 percent per moath that they ask for, you will never How to read the stock chart MARKETS Kew York Stock Exchange A Americas Stock Exchange Over-the-counter PRICE Litest prices art based quotations from the Composite Tape, as furnished by The Associated Press and OTC prices are from NASDAQ, also furnished by The Associated Press. Last dose (bid) is for the last traSng day of each week and percentage changes are calculated from preceding doses, as appropriate. Historical prices, nckiding the 5-year highs and lows have been adjusted for stock splits and stock dividends.

VOLUME Shares Traded The week's reported total nkime. Pet if Shares Outstanding The week's trading volume as a percentage of shares outstanding. EARNINGS PER SHAREDIVIDENDS Last 12 months The 12-month trailing earnings per share, calculated from cumulative figures the company's latest interim report and latest fiscal reports when appropriate. Change Percent last 12 months compared to the 12 months a year earlier. Five-year Annual Growth Rate The average annual compound rate of growth in earnings per share for the past five years, extended to the latest term period.

Indicated Annual Dividend Yield The in Seated annual yield on the stock, based on the latest indicated dividend rate and the last dose. PRICEEARNING RATIO 5-year Average The average price-earnings ratio of the stock, based on its five year earnings record and its high and low price during each year. Current The price-earnings ratio based on the latest 12 months' earnings per share and the latest dose. FOOTNOTES NA not applicable NE negative earnings NC cannot be calculated based on first quarter earnings six months nine months fiscal 12 MONTHS PERCENT CHANGE FIVE YEAR PER SHARE Last Five-year Indicated week's Last Four Year Shares Shares annual dividend 5-yr. Company and market close week weeks to date High Low traded outstdg Amt.

Chg. growth rate yield avg. Curr, (000) Albany Int CI A 22.13 1.7 7.8 4.3 26.50 11.25 335 1.10 1.60 11.9 53 1.9 45.6 13.8 CP 12.75 1.5 1.0 1.0 18.25 4.88 67 .16 .79 43.6 3 3.1 15.4 16.1 AmSouth Bancorp 54.13 5.6 5.6 11.9 54.63 21.34 767 1.35 3.13 14.2 6 3.1 10.7 17.3 ATRION Corp 14.75 7.8 7.8 10.6 20.51 10.51 30 1.43 2.03 20.8 3 5.4 8.1 7.3 BellSouth Cp 44.63 4.8 1.7 10.2 47.63 21.69 6,022 .61 2.88 83.4 11: 3.2 18.4 15.5 Birmingham Steel 17.63 2.8 5.4 7.2 32.63 13.59 462 1.56 .05 95.9 NC 2.3 NIC NC Blount Intl A 41.63 .3 5.7 8.5 42.75 4.34 52 .27 2.82 2.6 NC 1.2 14.1 14.8 Blount Intl 41.88 .0 7.4 10.6 42.00 4.59 0 .00 NA NA NA 1.1 NA NA Cavalier Homes 11.00 .0 6.0 4.3 19.20 .85 439 3.48 1.25 60.3 98 1.1 11.1 8.8 Coca Cola Co 60.50 .8 3.9 15.0 63.25 17.78 17,806 .72 1.40 17.7 18 .9 27.1 43.2 Colonial Bancgrp A 24.00 5.5 16.3 20.0 24.75 6.63 207 .64 1.65 5.1 17 2.5 7.9 14.5 Commun Bcshs 24.50 3.7 4.3 19.5 26.38 2.50 62 2.54 1.77 3.8 50 2.6 16.4 13.8 Compass Bancshrs 46.75 4.8 10.8 17.6 48.75 18.50 395 .98 3.13 10.6 12 3.0 9.3 14.9 Daimler-Benz 76.88 6.0 5.3 12.2 NC NC 253 3.47 2.84 100 NC .4 NC NE Dana Cp 31.63 2.0 1.2 3.1 35.50 13.38 1,891 1.86 3.01 6.0 78 3.2 17.6 10.5 Delchamps Inc 21.63 8.2 6.1 11.6 27.50 14.50 84- 1.18 .58 NE NC 2.0 NC 37.3 Delta Air Lines 84.13 4.5 3.4 18.7 87.00 39.50 3,364 4.60 1.67 79.7 NC .2 NC 50.4 Dravo Cp 11.38 9.0 8.1 19.5 15.75 6.63 240 1.61 .78 36.8 NC .0 NC 14.6 Energen Cp 30.13 .4 1.2 .4 31.38 15.00 89 .79 2.04 18.6 8 4.0 12.0 14.8 Gannett Co 80.38 .8 1.3 7.3 84.00 41.25 1,716 1.22 6.69 96.2 23 1.8 16.5 12.0 Gen Electric 105.38 2.4 .4 6.6 108.38 36.38 12,517 .76 4.40 12.8 11 2.0 16.8 23.9 Gen Motors Cp 56.63 2.2 .2 1.6 65.38 28.63 17,197 2.01 6.06 16.8 NC 3.5 NC 9.3 Golden Enterprises 7.50 1.6 3.2 11.00 6.63 12 .10 .24 41.5 5 6.4 24.9 31.3 Goodrich 41.13 1.2 1.2 1.6 45.88 19.44 606 1.13 2.81 30.7 NC 2.7 NC 14.6 Healthcare Svcs 10.38 13.9 3.8 19.25 7.25 80 .99 .85 77.1 NC .0 17.2 12.2 Healthsth Corp 42.75 5.9 4.9 10.7 43.63 6.06 3,867 2.32 1.35 64.6 30 .0 38.1 31.7 Intergraph Cp 8.13 1.5 20.7 22.38 7.38 887 1.86 1.46 NE NC .0 NC NE ln paper 42.50 2.1 1.2 4.9 45.69 28.31 5,448 1.81 1.04 76.9 11 2.4 30.6 40.9 James River 33.88 3.5 5.9 2.3 37.38 15.63 2,452 2.82 1.15 42.0 NC 1.8 NC 29.5 Kimberly-Clark 106.50 .5 8.8 11.8 110.75 44.63 4,388 1.55 4.98 4050.0 17 1.8 NC 21.4 Liz Claiborne 44.00 8.6 6.0 13.9 47.88 14.38 1,689 2.37 2.15 27.2 7 1.0 16.9 20.5 Macmillan Bloedel 13.63 .0 3:8 4.8 18.63 11.25 10 .01 .26 83.9 NC 4.4 NC 52.4 Mercantile Strs 49.38 2.9 4.0 .0 67.00 29.38 441 1.20 3.30 1.5 5 2.3 15.0 15.0 Natl Security Gp 13.75 7.8 7.8 4.7 18.50 10.34 2 .06 .54 100 NC 4.9 41.6 NE Nichols Research 24.88 1.5 7.9 2.4 29.75 6.17 94 .81 .96 23.1 8 .0 16.0 25.9 Protective Life 43.25 .6 9.1 8.5 44.88 9.50 154 .50 2.80 2.9 18 1.7 8.5 15 4 QMS lnc 5.00 5.3 13.0 4.8 17.25 3.25 119 1.12 .35 NE NC .0 NC 14.3 Regions Financial 60.75 3.2 9.7 17.5 61.25 23.75 1,418 2.27 3.64 .0 12 2.6 10.5 16.7 Russell Cp 37.50 .3 12.3 26.1 40.38 22.00 736 1.92 2.11 52.9 4 1.4 18.2 17.8 SCI Systs Inc 52.63 1.6 5.0 17.9 63.00 6.50 1,254 4.21 3.24 58.1 NC .0 28.6 16.2 Shoney's Inc 7.88 4.5 3.3 12.6 27.25 6.75 1,608 3.32 1.14 142.6 NC .0 NC 6.9 snat Inc 49.63 7.9 2.9 3.6 57.00 14.50 2,425 2.81 2.33 4.0 14 2 2 13.7 21 3 Southern Co 21.75 .0 .0 3.9 25.88 15.19 5,618 .83 1.68 1.2 3 6.0 13.1 12 9 SouthTrust Cp 41.63 5.0 8.0 19.4 42.13 14.17 1,705 1.76 2.69 14.0 13 2.4 10.0 15.5 Synovus Financial 36.25 3.9 12.0 12.8 37.63 7.45 254 .22 1.20 20.0 19 1.2 16.5 30 2 Torchmark Cp 59.63 1.3 12.5 18.1 64.75 32.38 1,281 1.82 2.40 34.8 7 1.9 13.9 24 8 Union Camp 48.88 1.3 .0 2.4 61.25 38.75 1,292 1.86 1.23 80.9 19 3.7 43.4 39.7 Vulcan Matls 65.38 1.0 8.3 7.4 66.50 36.00 150 .44 5.36 15.8 29 2.9 15.9 12.2 Wall Street Deli 5.00 .0 4.8 14.50 4.63 9 .29 .63 NE NC 0 NC NE Winn-Dixie Strs 32.63 2.4 3.2 39.88 17.88 647 .43 1.54 4.9 4 2 9 20 0 21 2 ASSOCIATED PRESS-MEDIA GENERAL FINANCIAL SERVICE get out of debt. It takes 30 years to clear a $2,000 debt," McKinley sa'id. Sometimes banks cancel their $1,000 subscriptions to RAM's quarterly Bankcard Update report, but most come back, he said.

"We just call it like it is and we take the hits," McKinley said in interview during a rare break" in his 60- to 80-hour work week. "We just try to provide the best information we can for consumers and stick up for consumers if we see something we really think is out 6T line." He traced his upright attitude to a strict Jehovah's Witnesses upbringing in a Hagerstown home headed by an electrical engineer father and homemaker mother. An early interest in electronics ledito a series of technical jobs with area radio and television stations, which gave him a grasp of the news business. In high school, McKinley reading The Wall Street Journal now a RAM subscriber whifch sparked his interest in financial matters. By age 19 he had built ahd sold his First business, a Muzak-style background music enterprise.

McKinley was 30 and working at a Washington television station when he decided to publish a consumer newsletter on his home computer. He was considering the already crowded field of mutual fund publications when he stumbled across an ad for an 8 percent credit card from a bank in Arkansas. He found no one publishing extensive lists of credit card rates, so he started contacting banks and compiling data. "My first interest was to serve consumers. I didn't even realize there was a larger void on the industry side," McKinley said.

His initial mailing to newspapers got a mention in the Minneapolis Star Tribune. That yielded at least 40 orders for McKinley's jo-cent publication, which he now sells to consumers for $5. RAM the initials are those of McKinley and his wife, Anita J-also caught bankers' attention. Suddenly, there was a single source of information about their competitors and a new way of reaching vast numbers of potential customers. "He has extolled the virtues fof cards he liked, that were simple and straightforward and that h4d reasonable rates, and that probably shaped the industry as a wholej" said Jeff Sandefur, vice president of marketing for Armed Forces Benefit Association, owner of AFBA Industrial Bank in Colorado Springs, Colo.

I AFBA and Wachovia are both investors in RAM's newest venture, a World Wide Web site that puts RAM's research online and offers direct links to as many as 12 different banks. I McKinley sees the Internet as the key to maintaining the 100 percent annual revenue growth RAM has enjoyed since its inception. He said the Web site, created and managed by his sons Devek, 21, and Erian, 18, is keeping RAM ahead of competitors that have arisen. "I enjoy the competition. There is so much going on in this business," McKinley said.

"There ate winners and losers every day." WHOA from page IF And when it does, will WHOA make an impact where it counts in advertising dollars? Mr. Singleton said it might, because the new time slot gives advertisers an extra half-hour to select from. Mr. Schieferstein said he doesn't see WHOA impacting WSFA's advertising dollars because of the NBC station's strong ratings. Mr.

Brooks said so far the reaction has been very positive from advertisers, who see the 6 p.m. time slot as an ideal opportunity to target potential customers. Currently, there are no projec- 1 On tions for how much revenue the 6 p.m. newscast will generate, Mr. Brooks said.

"We just wanted to get it started and let everything else take of itself," he said. It goes back to providing viewers with an alternative, Mr. McKenzie said. "No one station can cover the needs of the entire community We're going to compete from a service standpoint," Mr. McKenzie said.

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