Home Unity Federal Savings and Loan Association, Income and Expense

1992-12-31 (YTD Data)		Rank
Total interest income	$31,652,000	1,158
Total interest expense	$25,854,000	732
Net interest income	$5,798,000	3,169
Provision for loan and lease losses	$3,150,000	809
Total noninterest income	$5,108,000	960
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$5,108,000	665
Total noninterest expense	$13,557,000	1,167
Salaries and employee benefits	$4,421,000	1,498
Premises and equipment expense	$2,724,000	875
Additional noninterest expense	$6,412,000	1,075
Pre-tax net operating income	$-5,801,000	13,808
Securities gains (losses)	$1,544,000	482
Applicable income taxes	$0	12,680
Income before extraordinary items	$-4,257,000	13,778
Extraordinary gains, net	$0	1,422
Net income	$-4,257,000	13,777
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,415,000	1,250
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$-15,661,000	13,920
Net operating income	$-5,801,000	13,790

* 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.