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Delta Federal Savings, F.S.B., Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$3,120,000	7,854
Total interest expense	$1,643,000	7,228
Net interest income	$1,477,000	8,322
Provision for loan and lease losses	$24,000	7,740
Total noninterest income	$131,000	9,344
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	262
Additional Noninterest Income	$131,000	6,361
Total noninterest expense	$1,217,000	7,942
Salaries and employee benefits	$565,000	8,365
Premises and equipment expense	$170,000	7,625
Additional noninterest expense	$482,000	7,200
Pre-tax net operating income	$367,000	8,711
Securities gains (losses)	$0	4,148
Applicable income taxes	$131,000	8,193
Income before extraordinary items	$236,000	8,952
Extraordinary gains, net	$0	53
Net income	$236,000	8,953
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	8,441
Cash dividends	$55,000	7,439
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$236,000	8,894
1995-12-31 (YTD Data)		Rank
Total interest income	$2,672,000	8,683
Total interest expense	$1,423,000	7,914
Net interest income	$1,249,000	9,206
Provision for loan and lease losses	$30,000	7,070
Total noninterest income	$75,000	10,836
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	522
Additional Noninterest Income	$75,000	8,156
Total noninterest expense	$1,277,000	7,924
Salaries and employee benefits	$498,000	9,136
Premises and equipment expense	$158,000	8,078
Additional noninterest expense	$621,000	6,398
Pre-tax net operating income	$17,000	11,424
Securities gains (losses)	$-3,000	9,402
Applicable income taxes	$112,000	8,934
Income before extraordinary items	$-98,000	11,602
Extraordinary gains, net	$-13,000	11,922
Net income	$-111,000	11,612
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	7,576
Cash dividends	$50,000	7,734
Sale, conversion, retirement of capital stock, net	NA	NA
Net operating income	$-96,080	11,579
1994-12-31 (YTD Data)		Rank
Total interest income	$2,292,000	9,275
Total interest expense	$1,185,000	7,970
Net interest income	$1,107,000	10,038
Provision for loan and lease losses	$18,000	7,907
Total noninterest income	$65,000	11,609
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	475
Additional Noninterest Income	$65,000	8,873
Total noninterest expense	$961,000	9,507
Salaries and employee benefits	$487,000	9,514
Premises and equipment expense	$165,000	8,185
Additional noninterest expense	$309,000	9,857
Pre-tax net operating income	$193,000	10,949
Securities gains (losses)	$-2,000	9,023
Applicable income taxes	$35,000	10,807
Income before extraordinary items	$156,000	10,739
Extraordinary gains, net	$0	249
Net income	$156,000	10,744
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	8,352
Cash dividends	$40,000	8,160
Sale, conversion, retirement of capital stock, net	$5,000	1,118
Net operating income	$157,640	10,774
1993-12-31 (YTD Data)		Rank
Total interest income	$2,508,000	9,165
Total interest expense	$1,244,000	8,099
Net interest income	$1,264,000	9,854
Provision for loan and lease losses	$11,000	9,693
Total noninterest income	$173,000	9,753
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$173,000	6,106
Total noninterest expense	$912,000	10,146
Salaries and employee benefits	$454,000	10,108
Premises and equipment expense	$146,000	9,019
Additional noninterest expense	$312,000	10,293
Pre-tax net operating income	$514,000	8,575
Securities gains (losses)	$0	7,477
Applicable income taxes	$174,000	8,125
Income before extraordinary items	$340,000	9,036
Extraordinary gains, net	$0	3,149
Net income	$340,000	9,212
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	9,724
Cash dividends	$18,000	8,731
Sale, conversion, retirement of capital stock, net	$1,462,000	410
Net operating income	$340,000	8,778
1992-12-31 (YTD Data)		Rank
Total interest income	$2,809,000	9,309
Total interest expense	$1,754,000	7,751
Net interest income	$1,055,000	10,874
Provision for loan and lease losses	$13,000	10,972
Total noninterest income	$175,000	9,918
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$175,000	6,128
Total noninterest expense	$847,000	10,764
Salaries and employee benefits	$403,000	10,825
Premises and equipment expense	$147,000	9,210
Additional noninterest expense	$297,000	10,861
Pre-tax net operating income	$370,000	9,503
Securities gains (losses)	$78,000	3,414
Applicable income taxes	$141,000	8,864
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	$1,000	11,020
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$253,180	9,513

* 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.