First Cumberland Bank, Income and Expense

1992-12-31 (YTD Data)		Rank
Total interest income	$2,262,000	10,352
Total interest expense	$1,189,000	9,642
Net interest income	$1,073,000	10,801
Provision for loan and lease losses	$538,000	2,844
Total noninterest income	$280,000	8,007
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$143,000	7,298
Trading account gains and fees	NA	NA
Additional Noninterest Income	$137,000	6,960
Total noninterest expense	$1,543,000	7,765
Salaries and employee benefits	$707,000	7,934
Premises and equipment expense	$114,000	10,256
Additional noninterest expense	$722,000	6,607
Pre-tax net operating income	$-728,000	13,409
Securities gains (losses)	$0	8,369
Applicable income taxes	$0	12,680
Income before extraordinary items	$-728,000	13,472
Extraordinary gains, net	$0	1,422
Net income	$-728,000	13,469
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$733,000	1,926
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$-728,000	13,388

* 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.