State Bank of Virden, Income and Expense

1992-12-31 (YTD Data)		Rank
Total interest income	$1,510,000	11,946
Total interest expense	$733,000	11,658
Net interest income	$777,000	12,000
Provision for loan and lease losses	$38,000	9,593
Total noninterest income	$212,000	9,182
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$109,000	8,244
Trading account gains and fees	NA	NA
Additional Noninterest Income	$103,000	7,958
Total noninterest expense	$705,000	11,497
Salaries and employee benefits	$316,000	11,834
Premises and equipment expense	$67,000	11,992
Additional noninterest expense	$322,000	10,530
Pre-tax net operating income	$246,000	10,643
Securities gains (losses)	$6,000	6,913
Applicable income taxes	$70,000	10,722
Income before extraordinary items	$182,000	10,841
Extraordinary gains, net	$0	1,422
Net income	$182,000	10,945
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-15,000	12,970
Cash dividends	$103,000	6,504
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$177,680	10,570

* 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.