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Shenandoah Federal Savings Association, Income and Expense
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,950,000 | 9,075 |
| Total interest expense | $2,221,000 | 6,576 |
| Net interest income | $729,000 | 12,190 |
| Provision for loan and lease losses | $383,000 | 3,555 |
| Total noninterest income | $1,151,000 | 2,955 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,151,000 | 1,816 |
| Total noninterest expense | $2,513,000 | 5,292 |
| Salaries and employee benefits | $815,000 | 7,173 |
| Premises and equipment expense | $594,000 | 3,397 |
| Additional noninterest expense | $1,104,000 | 4,675 |
| Pre-tax net operating income | $-1,016,000 | 13,479 |
| Securities gains (losses) | $518,000 | 1,061 |
| Applicable income taxes | $6,000 | 12,482 |
| Income before extraordinary items | $-504,000 | 13,382 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-504,000 | 13,379 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $452,000 | 2,635 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $-1,765,000 | 13,886 |
| Net operating income | $-1,022,000 | 13,487 |
* 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.