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Governors Bank, Income and Expense
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,029,000 | 4,928 |
| Total interest expense | $2,467,000 | 4,879 |
| Net interest income | $3,562,000 | 4,884 |
| Provision for loan and lease losses | $3,889,000 | 518 |
| Total noninterest income | $728,000 | 4,311 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $631,000 | 2,171 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $97,000 | 7,960 |
| Total noninterest expense | $3,899,000 | 3,567 |
| Salaries and employee benefits | $1,746,000 | 3,725 |
| Premises and equipment expense | $836,000 | 2,446 |
| Additional noninterest expense | $1,317,000 | 3,894 |
| Pre-tax net operating income | $-3,498,000 | 13,146 |
| Securities gains (losses) | $111,000 | 2,352 |
| Applicable income taxes | $100,000 | 9,745 |
| Income before extraordinary items | $-3,487,000 | 13,138 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-3,487,000 | 13,141 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $640,000 | 1,526 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-3,598,000 | 13,125 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,849,000 | 4,914 |
| Total interest expense | $2,903,000 | 5,298 |
| Net interest income | $3,946,000 | 4,504 |
| Provision for loan and lease losses | $678,000 | 2,428 |
| Total noninterest income | $746,000 | 4,193 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $615,000 | 2,219 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $131,000 | 7,138 |
| Total noninterest expense | $3,908,000 | 3,580 |
| Salaries and employee benefits | $1,555,000 | 4,082 |
| Premises and equipment expense | $888,000 | 2,333 |
| Additional noninterest expense | $1,465,000 | 3,673 |
| Pre-tax net operating income | $106,000 | 11,961 |
| Securities gains (losses) | $220,000 | 1,877 |
| Applicable income taxes | $90,000 | 10,159 |
| Income before extraordinary items | $236,000 | 10,083 |
| Extraordinary gains, net | $111,000 | 700 |
| Net income | $347,000 | 8,894 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $320,000 | 3,212 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $340,000 | 628 |
| Net operating income | $77,600 | 11,962 |
* 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.