Clayton National Bank, Income and Expense

1992-12-31 (YTD Data)		Rank
Total interest income	$2,748,000	9,440
Total interest expense	$1,216,000	9,544
Net interest income	$1,532,000	9,174
Provision for loan and lease losses	$157,000	5,959
Total noninterest income	$517,000	5,525
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$220,000	5,626
Trading account gains and fees	NA	NA
Additional Noninterest Income	$297,000	4,460
Total noninterest expense	$1,629,000	7,473
Salaries and employee benefits	$772,000	7,452
Premises and equipment expense	$295,000	6,046
Additional noninterest expense	$562,000	7,852
Pre-tax net operating income	$263,000	10,489
Securities gains (losses)	$37,000	4,622
Applicable income taxes	$152,000	8,570
Income before extraordinary items	$148,000	11,302
Extraordinary gains, net	$152,000	556
Net income	$300,000	9,472
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$58,000	7,201
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$124,320	11,311

* 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.