Heartland Federal Savings and Loan Association, Income and Expense

1992-12-31 (YTD Data)		Rank
Total interest income	$62,433,000	634
Total interest expense	$45,697,000	469
Net interest income	$16,736,000	1,115
Provision for loan and lease losses	$0	11,756
Total noninterest income	$50,023,000	205
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$50,023,000	130
Total noninterest expense	$54,381,000	379
Salaries and employee benefits	$6,459,000	1,046
Premises and equipment expense	$2,528,000	928
Additional noninterest expense	$45,394,000	264
Pre-tax net operating income	$12,378,000	520
Securities gains (losses)	$2,103,000	400
Applicable income taxes	$555,000	3,661
Income before extraordinary items	$13,926,000	371
Extraordinary gains, net	$0	1,422
Net income	$13,926,000	373
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,287,000	1,331
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$11,907,120	382

* 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.