State Bank of Girard, Income and Expense

1992-12-31 (YTD Data)		Rank
Total interest income	$1,516,000	11,930
Total interest expense	$788,000	11,390
Net interest income	$728,000	12,194
Provision for loan and lease losses	$24,000	10,335
Total noninterest income	$99,000	11,759
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$55,000	10,113
Trading account gains and fees	NA	NA
Additional Noninterest Income	$44,000	10,778
Total noninterest expense	$531,000	12,445
Salaries and employee benefits	$258,000	12,522
Premises and equipment expense	$63,000	12,143
Additional noninterest expense	$210,000	12,104
Pre-tax net operating income	$272,000	10,405
Securities gains (losses)	$2,000	7,695
Applicable income taxes	$72,000	10,657
Income before extraordinary items	$202,000	10,570
Extraordinary gains, net	$0	1,422
Net income	$202,000	10,702
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	9,510
Cash dividends	$108,000	6,422
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$200,520	10,257

* 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.