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Hanover Bank, Income and Expense
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $20,269,000 | 1,545 |
| Total interest expense | $7,179,000 | 1,821 |
| Net interest income | $13,090,000 | 1,384 |
| Provision for loan and lease losses | $2,224,000 | 753 |
| Total noninterest income | $1,023,000 | 3,277 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $715,000 | 1,910 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $308,000 | 4,405 |
| Total noninterest expense | $7,962,000 | 1,867 |
| Salaries and employee benefits | $3,630,000 | 1,844 |
| Premises and equipment expense | $998,000 | 2,056 |
| Additional noninterest expense | $3,334,000 | 1,755 |
| Pre-tax net operating income | $3,927,000 | 1,753 |
| Securities gains (losses) | $133,000 | 2,128 |
| Applicable income taxes | $1,031,000 | 2,179 |
| Income before extraordinary items | $3,029,000 | 1,670 |
| Extraordinary gains, net | $308,000 | 695 |
| Net income | $3,337,000 | 1,571 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $810,000 | 1,315 |
| Cash dividends | $2,007,000 | 1,007 |
| Sale, conversion, retirement of capital stock, net | $59,000 | 961 |
| Net operating income | $2,929,250 | 1,624 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $21,825,000 | 1,641 |
| Total interest expense | $9,917,000 | 1,733 |
| Net interest income | $11,908,000 | 1,547 |
| Provision for loan and lease losses | $1,400,000 | 1,474 |
| Total noninterest income | $846,000 | 3,811 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $573,000 | 2,409 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $273,000 | 4,700 |
| Total noninterest expense | $7,226,000 | 2,041 |
| Salaries and employee benefits | $3,180,000 | 2,069 |
| Premises and equipment expense | $990,000 | 2,110 |
| Additional noninterest expense | $3,056,000 | 1,971 |
| Pre-tax net operating income | $4,128,000 | 1,525 |
| Securities gains (losses) | $134,000 | 2,556 |
| Applicable income taxes | $1,155,000 | 1,824 |
| Income before extraordinary items | $3,107,000 | 1,498 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $3,107,000 | 1,507 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,294,000 | 1,323 |
| Cash dividends | $2,065,000 | 817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $3,009,180 | 1,426 |
* 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.