The Third National Bank of Sandusky, Income and Expense

1992-12-31 (YTD Data)		Rank
Total interest income	$13,375,000	2,636
Total interest expense	$5,740,000	2,907
Net interest income	$7,635,000	2,363
Provision for loan and lease losses	$130,000	6,495
Total noninterest income	$1,026,000	3,248
Gross Fiduciary activities income	$0	1,658
Service charges on deposit accounts	$443,000	3,161
Trading account gains and fees	$0	504
Additional Noninterest Income	$583,000	2,883
Total noninterest expense	$4,493,000	3,163
Salaries and employee benefits	$2,086,000	3,102
Premises and equipment expense	$354,000	5,320
Additional noninterest expense	$2,053,000	2,739
Pre-tax net operating income	$4,038,000	1,554
Securities gains (losses)	$26,000	5,197
Applicable income taxes	$1,285,000	1,645
Income before extraordinary items	$2,779,000	1,656
Extraordinary gains, net	$-176,000	13,723
Net income	$2,603,000	1,769
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$102,000	5,871
Cash dividends	$1,500,000	1,080
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$2,761,320	1,543

* 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.