Southwest Bank & Trust, Income and Expense

1992-12-31 (YTD Data)		Rank
Total interest income	$1,500,000	11,975
Total interest expense	$629,000	12,155
Net interest income	$871,000	11,629
Provision for loan and lease losses	$371,000	3,620
Total noninterest income	$138,000	10,732
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$99,000	8,548
Trading account gains and fees	NA	NA
Additional Noninterest Income	$39,000	11,113
Total noninterest expense	$892,000	10,533
Salaries and employee benefits	$440,000	10,403
Premises and equipment expense	$94,000	10,953
Additional noninterest expense	$358,000	10,091
Pre-tax net operating income	$-254,000	13,138
Securities gains (losses)	$0	8,369
Applicable income taxes	$25,000	11,957
Income before extraordinary items	$-279,000	13,238
Extraordinary gains, net	$0	1,422
Net income	$-279,000	13,232
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-11,000	12,832
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$-279,000	13,128

* 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.