First Bank of Ceredo, Income and Expense

1992-12-31 (YTD Data)		Rank
Total interest income	$11,344,000	3,101
Total interest expense	$5,155,000	3,229
Net interest income	$6,189,000	2,942
Provision for loan and lease losses	$1,346,000	1,515
Total noninterest income	$1,335,000	2,621
Gross Fiduciary activities income	$0	1,658
Service charges on deposit accounts	$488,000	2,849
Trading account gains and fees	$0	504
Additional Noninterest Income	$847,000	2,234
Total noninterest expense	$5,255,000	2,740
Salaries and employee benefits	$2,708,000	2,390
Premises and equipment expense	$613,000	3,289
Additional noninterest expense	$1,934,000	2,877
Pre-tax net operating income	$923,000	5,977
Securities gains (losses)	$283,000	1,591
Applicable income taxes	$295,000	5,996
Income before extraordinary items	$911,000	4,886
Extraordinary gains, net	$0	1,422
Net income	$911,000	4,935
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,434,000	1,236
Cash dividends	$693,000	2,163
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$695,920	5,615

* 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.