Jackson County Federal Bank, A Federal Savings Bank, Income and Expense

1992-12-31 (YTD Data)		Rank
Total interest income	$26,801,000	1,364
Total interest expense	$15,108,000	1,178
Net interest income	$11,693,000	1,578
Provision for loan and lease losses	$-900,000	13,904
Total noninterest income	$3,754,000	1,193
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$3,754,000	823
Total noninterest expense	$7,807,000	1,924
Salaries and employee benefits	$3,806,000	1,749
Premises and equipment expense	$1,114,000	1,898
Additional noninterest expense	$2,887,000	2,056
Pre-tax net operating income	$8,540,000	754
Securities gains (losses)	$718,000	832
Applicable income taxes	$1,632,000	1,355
Income before extraordinary items	$7,626,000	625
Extraordinary gains, net	$1,632,000	81
Net income	$9,258,000	524
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-58,000	13,550
Cash dividends	$710,000	2,099
Sale, conversion, retirement of capital stock, net	$25,000	994
Net operating income	$7,037,240	617

* 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.