Alpha Indian Rock Federal Savings and Loan Association, Income and Expense

1992-12-31 (YTD Data)		Rank
Total interest income	$449,000	13,742
Total interest expense	$792,000	11,369
Net interest income	$-343,000	13,922
Provision for loan and lease losses	$291,000	4,219
Total noninterest income	$174,000	9,943
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$174,000	6,145
Total noninterest expense	$831,000	10,854
Salaries and employee benefits	$366,000	11,271
Premises and equipment expense	$129,000	9,729
Additional noninterest expense	$336,000	10,367
Pre-tax net operating income	$-1,291,000	13,538
Securities gains (losses)	$0	8,369
Applicable income taxes	$0	12,680
Income before extraordinary items	$-1,291,000	13,593
Extraordinary gains, net	$0	1,422
Net income	$-1,291,000	13,588
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$490,000	2,497
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$-1,291,000	13,535

* 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.