First State Bank of Franklin County, Income and Expense

1992-12-31 (YTD Data)		Rank
Total interest income	$2,341,000	10,209
Total interest expense	$1,200,000	9,600
Net interest income	$1,141,000	10,550
Provision for loan and lease losses	$371,000	3,620
Total noninterest income	$185,000	9,709
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$80,000	9,162
Trading account gains and fees	NA	NA
Additional Noninterest Income	$105,000	7,891
Total noninterest expense	$1,004,000	9,959
Salaries and employee benefits	$537,000	9,398
Premises and equipment expense	$184,000	8,213
Additional noninterest expense	$283,000	11,085
Pre-tax net operating income	$-49,000	12,861
Securities gains (losses)	$1,000	7,986
Applicable income taxes	$0	12,680
Income before extraordinary items	$-48,000	12,993
Extraordinary gains, net	$0	1,422
Net income	$-48,000	12,986
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$170,000	4,592
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$8,000	1,078
Net operating income	$-49,000	12,816

* 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.