First Federal Savings Bank of Georgia, F.A., Income and Expense

1992-12-31 (YTD Data)		Rank
Total interest income	$1,064,000	12,907
Total interest expense	$731,000	11,669
Net interest income	$333,000	13,551
Provision for loan and lease losses	$0	11,756
Total noninterest income	$35,000	13,454
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$35,000	11,401
Total noninterest expense	$496,000	12,657
Salaries and employee benefits	$243,000	12,676
Premises and equipment expense	$102,000	10,663
Additional noninterest expense	$151,000	12,943
Pre-tax net operating income	$-128,000	12,994
Securities gains (losses)	$0	8,369
Applicable income taxes	$0	12,680
Income before extraordinary items	$-128,000	13,097
Extraordinary gains, net	$0	1,422
Net income	$-128,000	13,090
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	11,197
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$-4,315,000	13,903
Net operating income	$-128,000	12,955

* 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.