The Citizens National Bank and Trust Company, El Reno, Oklahoma, Income and Expense

1992-12-31 (YTD Data)		Rank
Total interest income	$3,759,000	7,824
Total interest expense	$1,483,000	8,560
Net interest income	$2,276,000	7,061
Provision for loan and lease losses	$90,000	7,540
Total noninterest income	$408,000	6,480
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$288,000	4,598
Trading account gains and fees	NA	NA
Additional Noninterest Income	$120,000	7,446
Total noninterest expense	$1,821,000	6,881
Salaries and employee benefits	$947,000	6,350
Premises and equipment expense	$228,000	7,203
Additional noninterest expense	$646,000	7,132
Pre-tax net operating income	$773,000	6,695
Securities gains (losses)	$7,000	6,774
Applicable income taxes	$271,000	6,345
Income before extraordinary items	$509,000	7,246
Extraordinary gains, net	$2,000	1,410
Net income	$511,000	7,320
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$83,000	6,366
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$504,450	6,913

* 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.