Somerset Trust Company, Income and Expense

1992-12-31 (YTD Data)		Rank
Total interest income	$50,476,000	776
Total interest expense	$20,531,000	893
Net interest income	$29,945,000	679
Provision for loan and lease losses	$4,025,000	677
Total noninterest income	$4,524,000	1,061
Gross Fiduciary activities income	$0	1,658
Service charges on deposit accounts	$2,537,000	543
Trading account gains and fees	$0	504
Additional Noninterest Income	$1,987,000	1,247
Total noninterest expense	$23,945,000	733
Salaries and employee benefits	$9,750,000	721
Premises and equipment expense	$3,342,000	720
Additional noninterest expense	$10,853,000	722
Pre-tax net operating income	$6,499,000	996
Securities gains (losses)	$1,109,000	598
Applicable income taxes	$3,356,000	699
Income before extraordinary items	$4,252,000	1,108
Extraordinary gains, net	$0	1,422
Net income	$4,252,000	1,112
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,502,000	568
Cash dividends	$2,684,000	664
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$3,542,240	1,218

* 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.