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Guardian Bank, Income and Expense
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,243,000 | 4,690 |
| Total interest expense | $4,881,000 | 3,383 |
| Net interest income | $2,362,000 | 6,866 |
| Provision for loan and lease losses | $-455,000 | 13,887 |
| Total noninterest income | $771,000 | 4,072 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $30,000 | 11,061 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $741,000 | 2,424 |
| Total noninterest expense | $4,669,000 | 3,055 |
| Salaries and employee benefits | $1,143,000 | 5,403 |
| Premises and equipment expense | $830,000 | 2,490 |
| Additional noninterest expense | $2,696,000 | 2,182 |
| Pre-tax net operating income | $-1,081,000 | 13,492 |
| Securities gains (losses) | $242,000 | 1,764 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-839,000 | 13,510 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-839,000 | 13,507 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-202,000 | 13,845 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-1,081,000 | 13,500 |
* 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.