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Howells Bank, Income and Expense
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,855,000 | 11,188 |
| Total interest expense | $926,000 | 10,737 |
| Net interest income | $929,000 | 11,394 |
| Provision for loan and lease losses | $395,000 | 3,502 |
| Total noninterest income | $89,000 | 12,022 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $69,000 | 9,583 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 12,557 |
| Total noninterest expense | $491,000 | 12,688 |
| Salaries and employee benefits | $357,000 | 11,368 |
| Premises and equipment expense | $24,000 | 13,574 |
| Additional noninterest expense | $110,000 | 13,433 |
| Pre-tax net operating income | $132,000 | 11,695 |
| Securities gains (losses) | $-5,000 | 13,085 |
| Applicable income taxes | $23,000 | 12,027 |
| Income before extraordinary items | $104,000 | 11,888 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $104,000 | 11,959 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $198,000 | 4,225 |
| Cash dividends | $30,000 | 8,198 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $108,100 | 11,531 |
* 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.