Spring National Bank, Income and Expense

1992-12-31 (YTD Data)		Rank
Total interest income	$5,892,000	5,574
Total interest expense	$2,007,000	7,093
Net interest income	$3,885,000	4,568
Provision for loan and lease losses	$276,000	4,334
Total noninterest income	$814,000	3,927
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$645,000	2,107
Trading account gains and fees	NA	NA
Additional Noninterest Income	$169,000	6,237
Total noninterest expense	$3,507,000	3,933
Salaries and employee benefits	$1,633,000	3,926
Premises and equipment expense	$542,000	3,701
Additional noninterest expense	$1,332,000	3,951
Pre-tax net operating income	$916,000	6,008
Securities gains (losses)	$29,000	5,046
Applicable income taxes	$320,000	5,690
Income before extraordinary items	$625,000	6,401
Extraordinary gains, net	$0	1,422
Net income	$625,000	6,469
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$161,000	4,723
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$605,860	6,166

* 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.