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Oxford Bank, Income and Expense
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,533,000 | 9,125 |
| Total interest expense | $1,106,000 | 8,653 |
| Net interest income | $1,427,000 | 9,340 |
| Provision for loan and lease losses | $25,000 | 8,682 |
| Total noninterest income | $486,000 | 5,714 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $288,000 | 4,578 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $198,000 | 5,700 |
| Total noninterest expense | $1,820,000 | 6,822 |
| Salaries and employee benefits | $753,000 | 7,626 |
| Premises and equipment expense | $339,000 | 5,353 |
| Additional noninterest expense | $728,000 | 6,378 |
| Pre-tax net operating income | $68,000 | 12,067 |
| Securities gains (losses) | $13,000 | 5,183 |
| Applicable income taxes | $13,000 | 11,760 |
| Income before extraordinary items | $68,000 | 12,112 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $68,000 | 12,143 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 8,808 |
| Cash dividends | $900,000 | 1,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $57,080 | 12,049 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,927,000 | 9,116 |
| Total interest expense | $1,411,000 | 8,811 |
| Net interest income | $1,516,000 | 9,222 |
| Provision for loan and lease losses | $60,000 | 8,535 |
| Total noninterest income | $368,000 | 6,865 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $310,000 | 4,323 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $58,000 | 9,916 |
| Total noninterest expense | $1,796,000 | 6,959 |
| Salaries and employee benefits | $790,000 | 7,318 |
| Premises and equipment expense | $312,000 | 5,807 |
| Additional noninterest expense | $694,000 | 6,787 |
| Pre-tax net operating income | $28,000 | 12,552 |
| Securities gains (losses) | $-3,000 | 12,949 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $25,000 | 12,742 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $25,000 | 12,739 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $185,000 | 4,373 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $28,000 | 12,483 |
* 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.