The Bank of Woodward, Income and Expense

1992-12-31 (YTD Data)		Rank
Total interest income	$8,973,000	3,866
Total interest expense	$4,108,000	3,979
Net interest income	$4,865,000	3,744
Provision for loan and lease losses	$0	11,756
Total noninterest income	$892,000	3,646
Gross Fiduciary activities income	$0	1,658
Service charges on deposit accounts	$655,000	2,080
Trading account gains and fees	$0	504
Additional Noninterest Income	$237,000	5,143
Total noninterest expense	$3,666,000	3,776
Salaries and employee benefits	$1,891,000	3,378
Premises and equipment expense	$557,000	3,610
Additional noninterest expense	$1,218,000	4,288
Pre-tax net operating income	$2,091,000	2,978
Securities gains (losses)	$50,000	4,121
Applicable income taxes	$548,000	3,697
Income before extraordinary items	$1,593,000	2,885
Extraordinary gains, net	$0	1,422
Net income	$1,593,000	2,922
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$194,000	4,263
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$1,556,000	2,739

* 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.