Pioneer Savings Bank, Income and Expense

1992-12-31 (YTD Data)		Rank
Total interest income	$78,413,000	538
Total interest expense	$43,338,000	494
Net interest income	$35,075,000	591
Provision for loan and lease losses	$500,000	2,991
Total noninterest income	$2,218,000	1,811
Gross Fiduciary activities income	$0	1,658
Service charges on deposit accounts	$1,421,000	919
Trading account gains and fees	$0	504
Additional Noninterest Income	$797,000	2,315
Total noninterest expense	$13,961,000	1,127
Salaries and employee benefits	$6,600,000	1,023
Premises and equipment expense	$2,201,000	1,029
Additional noninterest expense	$5,160,000	1,280
Pre-tax net operating income	$22,832,000	311
Securities gains (losses)	$0	8,369
Applicable income taxes	$7,254,000	346
Income before extraordinary items	$15,578,000	334
Extraordinary gains, net	$-26,000	13,526
Net income	$15,552,000	338
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	11,197
Cash dividends	$6,432,000	304
Sale, conversion, retirement of capital stock, net	$5,134,000	165
Net operating income	$15,578,000	300

* 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.