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Home Federal Savings Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$2,419,000	8,801
Total interest expense	$1,455,000	7,679
Net interest income	$964,000	9,656
Provision for loan and lease losses	$-25,000	11,143
Total noninterest income	$314,000	6,785
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	262
Additional Noninterest Income	$314,000	3,969
Total noninterest expense	$1,218,000	7,938
Salaries and employee benefits	$525,000	8,673
Premises and equipment expense	$154,000	7,965
Additional noninterest expense	$539,000	6,774
Pre-tax net operating income	$85,000	10,446
Securities gains (losses)	$-12,000	10,370
Applicable income taxes	$76,000	9,229
Income before extraordinary items	$-3,000	10,825
Extraordinary gains, net	$0	53
Net income	$-3,000	10,821
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$85,000	4,261
Cash dividends	$95,000	6,831
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$4,680	10,752
1995-12-31 (YTD Data)		Rank
Total interest income	$2,348,000	9,191
Total interest expense	$1,289,000	8,314
Net interest income	$1,059,000	9,754
Provision for loan and lease losses	$-51,000	11,602
Total noninterest income	$165,000	9,050
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	522
Additional Noninterest Income	$165,000	5,697
Total noninterest expense	$947,000	9,177
Salaries and employee benefits	$514,000	8,989
Premises and equipment expense	$148,000	8,330
Additional noninterest expense	$285,000	9,409
Pre-tax net operating income	$328,000	9,552
Securities gains (losses)	$0	3,831
Applicable income taxes	$116,000	8,861
Income before extraordinary items	$212,000	9,807
Extraordinary gains, net	$0	65
Net income	$212,000	9,811
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	8,657
Cash dividends	$110,000	6,621
Sale, conversion, retirement of capital stock, net	NA	NA
Net operating income	$212,000	9,775
1994-12-31 (YTD Data)		Rank
Total interest income	$2,045,000	9,723
Total interest expense	$984,000	8,763
Net interest income	$1,061,000	10,207
Provision for loan and lease losses	$48,000	6,241
Total noninterest income	$170,000	9,303
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	475
Additional Noninterest Income	$170,000	5,815
Total noninterest expense	$1,053,000	9,148
Salaries and employee benefits	$378,000	10,483
Premises and equipment expense	$137,000	8,902
Additional noninterest expense	$538,000	7,536
Pre-tax net operating income	$130,000	11,412
Securities gains (losses)	$0	3,600
Applicable income taxes	$44,000	10,609
Income before extraordinary items	$86,000	11,515
Extraordinary gains, net	$0	249
Net income	$86,000	11,521
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$43,000	5,399
Cash dividends	$26,000	8,448
Sale, conversion, retirement of capital stock, net	$2,278,000	282
Net operating income	$86,000	11,561
1993-12-31 (YTD Data)		Rank
Total interest income	$2,181,000	9,826
Total interest expense	$1,151,000	8,480
Net interest income	$1,030,000	10,676
Provision for loan and lease losses	$88,000	6,122
Total noninterest income	$267,000	8,113
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$267,000	4,801
Total noninterest expense	$747,000	10,934
Salaries and employee benefits	$342,000	11,224
Premises and equipment expense	$130,000	9,470
Additional noninterest expense	$275,000	10,762
Pre-tax net operating income	$462,000	8,928
Securities gains (losses)	$0	7,477
Applicable income taxes	$157,000	8,476
Income before extraordinary items	$305,000	9,424
Extraordinary gains, net	$60,000	2,033
Net income	$365,000	8,954
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$69,000	5,361
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$305,000	9,168
1992-12-31 (YTD Data)		Rank
Total interest income	$2,616,000	9,692
Total interest expense	$1,572,000	8,295
Net interest income	$1,044,000	10,915
Provision for loan and lease losses	$109,000	7,062
Total noninterest income	$62,000	12,785
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$62,000	9,701
Total noninterest expense	$686,000	11,586
Salaries and employee benefits	$311,000	11,891
Premises and equipment expense	$114,000	10,256
Additional noninterest expense	$261,000	11,394
Pre-tax net operating income	$311,000	10,029
Securities gains (losses)	$2,000	7,695
Applicable income taxes	$86,000	10,284
Income before extraordinary items	$227,000	10,217
Extraordinary gains, net	$0	1,422
Net income	$227,000	10,362
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-13,000	12,901
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$225,540	9,895

* 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.