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Oxford Bank and Trust, Income and Expense
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,817,000 | 5,636 |
| Total interest expense | $2,711,000 | 5,622 |
| Net interest income | $3,106,000 | 5,564 |
| Provision for loan and lease losses | $265,000 | 4,453 |
| Total noninterest income | $360,000 | 6,974 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $251,000 | 5,114 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $109,000 | 7,780 |
| Total noninterest expense | $2,875,000 | 4,707 |
| Salaries and employee benefits | $1,283,000 | 4,876 |
| Premises and equipment expense | $479,000 | 4,127 |
| Additional noninterest expense | $1,113,000 | 4,644 |
| Pre-tax net operating income | $326,000 | 9,898 |
| Securities gains (losses) | $49,000 | 4,164 |
| Applicable income taxes | $96,000 | 10,025 |
| Income before extraordinary items | $279,000 | 9,558 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $279,000 | 9,692 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $370,000 | 2,959 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $242,740 | 9,656 |
* 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.