Winchester National Bank, Income and Expense

1992-12-31 (YTD Data)		Rank
Total interest income	$2,118,000	10,661
Total interest expense	$1,049,000	10,184
Net interest income	$1,069,000	10,820
Provision for loan and lease losses	$120,000	6,707
Total noninterest income	$89,000	12,022
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$71,000	9,522
Trading account gains and fees	NA	NA
Additional Noninterest Income	$18,000	12,735
Total noninterest expense	$648,000	11,786
Salaries and employee benefits	$292,000	12,098
Premises and equipment expense	$107,000	10,495
Additional noninterest expense	$249,000	11,542
Pre-tax net operating income	$390,000	9,334
Securities gains (losses)	$0	8,369
Applicable income taxes	$83,000	10,366
Income before extraordinary items	$307,000	9,221
Extraordinary gains, net	$0	1,422
Net income	$307,000	9,355
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$57,000	7,255
Cash dividends	$110,000	6,380
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$307,000	8,852

* 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.