The Farmers and Merchants National Bank of Hamilton, Income and Expense

1992-12-31 (YTD Data)		Rank
Total interest income	$18,210,000	1,954
Total interest expense	$9,060,000	1,871
Net interest income	$9,150,000	1,999
Provision for loan and lease losses	$11,371,000	334
Total noninterest income	$1,226,000	2,816
Gross Fiduciary activities income	$0	1,658
Service charges on deposit accounts	$991,000	1,345
Trading account gains and fees	$18,000	379
Additional Noninterest Income	$217,000	5,400
Total noninterest expense	$10,072,000	1,527
Salaries and employee benefits	$3,949,000	1,674
Premises and equipment expense	$1,422,000	1,507
Additional noninterest expense	$4,701,000	1,401
Pre-tax net operating income	$-11,067,000	13,881
Securities gains (losses)	$162,000	2,313
Applicable income taxes	$-951,000	13,820
Income before extraordinary items	$-9,954,000	13,857
Extraordinary gains, net	$0	1,422
Net income	$-9,954,000	13,855
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,617,000	558
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$-10,101,420	13,840

* 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.