Ostrander State Bank, Income and Expense

1992-12-31 (YTD Data)		Rank
Total interest income	$1,628,000	11,664
Total interest expense	$740,000	11,628
Net interest income	$888,000	11,571
Provision for loan and lease losses	$6,000	11,435
Total noninterest income	$82,000	12,225
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$67,000	9,657
Trading account gains and fees	NA	NA
Additional Noninterest Income	$15,000	12,987
Total noninterest expense	$519,000	12,533
Salaries and employee benefits	$271,000	12,343
Premises and equipment expense	$59,000	12,326
Additional noninterest expense	$189,000	12,390
Pre-tax net operating income	$445,000	8,845
Securities gains (losses)	$5,000	7,049
Applicable income taxes	$148,000	8,666
Income before extraordinary items	$302,000	9,299
Extraordinary gains, net	$0	1,422
Net income	$302,000	9,434
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	11,197
Cash dividends	$200,000	4,982
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$298,650	8,957

* 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.