Ameribank, Charleston, Income and Expense

1992-12-31 (YTD Data)		Rank
Total interest income	$1,200,000	12,602
Total interest expense	$488,000	12,817
Net interest income	$712,000	12,272
Provision for loan and lease losses	$12,000	11,000
Total noninterest income	$106,000	11,552
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$99,000	8,548
Trading account gains and fees	NA	NA
Additional Noninterest Income	$7,000	13,545
Total noninterest expense	$630,000	11,879
Salaries and employee benefits	$299,000	12,022
Premises and equipment expense	$37,000	13,172
Additional noninterest expense	$294,000	10,909
Pre-tax net operating income	$176,000	11,290
Securities gains (losses)	$0	8,369
Applicable income taxes	$57,000	11,058
Income before extraordinary items	$119,000	11,692
Extraordinary gains, net	$0	1,422
Net income	$119,000	11,768
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-28,000	13,250
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$119,000	11,373

* 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.