Richey National Bank, Income and Expense

1992-12-31 (YTD Data)		Rank
Total interest income	$739,000	13,435
Total interest expense	$351,000	13,353
Net interest income	$388,000	13,415
Provision for loan and lease losses	$-17,000	13,514
Total noninterest income	$46,000	13,204
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$30,000	11,061
Trading account gains and fees	NA	NA
Additional Noninterest Income	$16,000	12,899
Total noninterest expense	$346,000	13,411
Salaries and employee benefits	$205,000	13,100
Premises and equipment expense	$39,000	13,096
Additional noninterest expense	$102,000	13,505
Pre-tax net operating income	$105,000	11,976
Securities gains (losses)	$12,000	6,245
Applicable income taxes	$36,000	11,628
Income before extraordinary items	$81,000	12,203
Extraordinary gains, net	$36,000	1,087
Net income	$117,000	11,789
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-35,000	13,343
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$72,720	12,035

* 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.