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FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF LAKE WALES, Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $9,094,000 | 3,582 |
| Total interest expense | $5,344,000 | 2,856 |
| Net interest income | $3,750,000 | 4,577 |
| Provision for loan and lease losses | $73,000 | 5,323 |
| Total noninterest income | $785,000 | 3,734 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $785,000 | 2,135 |
| Total noninterest expense | $3,072,000 | 4,197 |
| Salaries and employee benefits | $1,620,000 | 4,006 |
| Premises and equipment expense | $631,000 | 3,081 |
| Additional noninterest expense | $821,000 | 5,140 |
| Pre-tax net operating income | $1,390,000 | 4,716 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $450,000 | 4,524 |
| Income before extraordinary items | $940,000 | 4,823 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $940,000 | 4,822 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 5,621 |
| Cash dividends | $374,000 | 4,055 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $940,000 | 4,815 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,599,000 | 3,483 |
| Total interest expense | $4,026,000 | 3,037 |
| Net interest income | $4,573,000 | 3,868 |
| Provision for loan and lease losses | $245,000 | 2,637 |
| Total noninterest income | $679,000 | 4,220 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $679,000 | 2,382 |
| Total noninterest expense | $3,027,000 | 4,372 |
| Salaries and employee benefits | $1,535,000 | 4,207 |
| Premises and equipment expense | $616,000 | 3,190 |
| Additional noninterest expense | $876,000 | 5,303 |
| Pre-tax net operating income | $1,980,000 | 3,450 |
| Securities gains (losses) | $5,000 | 2,624 |
| Applicable income taxes | $733,000 | 2,995 |
| Income before extraordinary items | $1,252,000 | 3,706 |
| Extraordinary gains, net | $356,000 | 44 |
| Net income | $1,608,000 | 3,000 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 4,830 |
| Cash dividends | $525,000 | 3,073 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,248,800 | 3,751 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $8,923,000 | 3,444 |
| Total interest expense | $4,383,000 | 2,918 |
| Net interest income | $4,540,000 | 3,905 |
| Provision for loan and lease losses | $172,000 | 4,316 |
| Total noninterest income | $616,000 | 4,871 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $616,000 | 2,838 |
| Total noninterest expense | $2,916,000 | 4,631 |
| Salaries and employee benefits | $1,438,000 | 4,441 |
| Premises and equipment expense | $618,000 | 3,235 |
| Additional noninterest expense | $860,000 | 5,584 |
| Pre-tax net operating income | $2,068,000 | 3,204 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $742,000 | 2,938 |
| Income before extraordinary items | $1,326,000 | 3,643 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,326,000 | 3,755 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 7,509 |
| Cash dividends | $450,000 | 3,356 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,326,000 | 3,450 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $9,805,000 | 3,559 |
| Total interest expense | $5,551,000 | 2,999 |
| Net interest income | $4,254,000 | 4,203 |
| Provision for loan and lease losses | $352,000 | 3,767 |
| Total noninterest income | $828,000 | 3,880 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $828,000 | 2,264 |
| Total noninterest expense | $2,562,000 | 5,196 |
| Salaries and employee benefits | $1,067,000 | 5,710 |
| Premises and equipment expense | $593,000 | 3,404 |
| Additional noninterest expense | $902,000 | 5,514 |
| Pre-tax net operating income | $2,168,000 | 2,871 |
| Securities gains (losses) | $-32,000 | 13,593 |
| Applicable income taxes | $762,000 | 2,729 |
| Income before extraordinary items | $1,374,000 | 3,342 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,374,000 | 3,383 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 7,838 |
| Cash dividends | $225,000 | 4,732 |
| Sale, conversion, retirement of capital stock, net | $2,336,000 | 280 |
| Net operating income | $1,394,480 | 3,053 |
* 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.