Citizens State Bank of Frost, Income and Expense

1992-12-31 (YTD Data)		Rank
Total interest income	$942,000	13,122
Total interest expense	$388,000	13,218
Net interest income	$554,000	12,896
Provision for loan and lease losses	$10,000	11,168
Total noninterest income	$77,000	12,360
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$64,000	9,773
Trading account gains and fees	NA	NA
Additional Noninterest Income	$13,000	13,144
Total noninterest expense	$358,000	13,369
Salaries and employee benefits	$195,000	13,208
Premises and equipment expense	$31,000	13,377
Additional noninterest expense	$132,000	13,180
Pre-tax net operating income	$263,000	10,489
Securities gains (losses)	$0	8,369
Applicable income taxes	$89,000	10,194
Income before extraordinary items	$174,000	10,945
Extraordinary gains, net	$0	1,422
Net income	$174,000	11,036
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-7,000	12,654
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$174,000	10,607

* 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.