First State Bank of Gilman, Incorporated, Income and Expense

1992-12-31 (YTD Data)		Rank
Total interest income	$1,501,000	11,968
Total interest expense	$669,000	11,971
Net interest income	$832,000	11,781
Provision for loan and lease losses	$18,000	10,694
Total noninterest income	$83,000	12,197
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$35,000	10,873
Trading account gains and fees	NA	NA
Additional Noninterest Income	$48,000	10,527
Total noninterest expense	$544,000	12,378
Salaries and employee benefits	$362,000	11,315
Premises and equipment expense	$35,000	13,246
Additional noninterest expense	$147,000	13,001
Pre-tax net operating income	$353,000	9,655
Securities gains (losses)	$-11,000	13,323
Applicable income taxes	$91,000	10,135
Income before extraordinary items	$251,000	9,909
Extraordinary gains, net	$0	1,422
Net income	$251,000	10,054
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	12,286
Cash dividends	$1,530,000	1,066
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$259,030	9,427

* 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.