Commercial Trust Bank, Income and Expense

1992-12-31 (YTD Data)		Rank
Total interest income	$6,492,000	5,143
Total interest expense	$2,369,000	6,250
Net interest income	$4,123,000	4,321
Provision for loan and lease losses	$820,000	2,122
Total noninterest income	$1,358,000	2,583
Gross Fiduciary activities income	$0	1,658
Service charges on deposit accounts	$1,083,000	1,228
Trading account gains and fees	$0	504
Additional Noninterest Income	$275,000	4,680
Total noninterest expense	$4,135,000	3,399
Salaries and employee benefits	$2,013,000	3,191
Premises and equipment expense	$712,000	2,876
Additional noninterest expense	$1,410,000	3,778
Pre-tax net operating income	$526,000	8,225
Securities gains (losses)	$35,000	4,733
Applicable income taxes	$45,000	11,390
Income before extraordinary items	$516,000	7,189
Extraordinary gains, net	$0	1,422
Net income	$516,000	7,284
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,059,000	1,503
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$483,800	7,103

* 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.