Gulf Bank of Dunedin, Income and Expense

1992-12-31 (YTD Data)		Rank
Total interest income	$2,891,000	9,162
Total interest expense	$1,133,000	9,852
Net interest income	$1,758,000	8,474
Provision for loan and lease losses	$114,000	6,935
Total noninterest income	$440,000	6,164
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$283,000	4,659
Trading account gains and fees	NA	NA
Additional Noninterest Income	$157,000	6,481
Total noninterest expense	$1,530,000	7,801
Salaries and employee benefits	$708,000	7,926
Premises and equipment expense	$283,000	6,240
Additional noninterest expense	$539,000	8,097
Pre-tax net operating income	$554,000	8,036
Securities gains (losses)	$61,000	3,800
Applicable income taxes	$232,000	6,961
Income before extraordinary items	$383,000	8,385
Extraordinary gains, net	$232,000	374
Net income	$615,000	6,542
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$108,000	5,719
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$343,960	8,419

* 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.