Citizens National Bank, Income and Expense

1992-12-31 (YTD Data)		Rank
Total interest income	$2,166,000	10,542
Total interest expense	$845,000	11,114
Net interest income	$1,321,000	9,899
Provision for loan and lease losses	$0	11,756
Total noninterest income	$98,000	11,783
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$49,000	10,360
Trading account gains and fees	NA	NA
Additional Noninterest Income	$49,000	10,461
Total noninterest expense	$439,000	12,968
Salaries and employee benefits	$134,000	13,653
Premises and equipment expense	$14,000	13,787
Additional noninterest expense	$291,000	10,959
Pre-tax net operating income	$980,000	5,713
Securities gains (losses)	$142,000	2,487
Applicable income taxes	$377,000	5,017
Income before extraordinary items	$745,000	5,657
Extraordinary gains, net	$0	1,422
Net income	$745,000	5,725
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-5,000	12,539
Cash dividends	$600,000	2,382
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$651,280	5,865

* 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.