The Crestline Federal Savings and Loan Association, Income and Expense

1992-12-31 (YTD Data)		Rank
Total interest income	$469,000	13,722
Total interest expense	$390,000	13,213
Net interest income	$79,000	13,866
Provision for loan and lease losses	$1,452,000	1,435
Total noninterest income	$37,000	13,409
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$37,000	11,257
Total noninterest expense	$264,000	13,669
Salaries and employee benefits	$103,000	13,777
Premises and equipment expense	$54,000	12,540
Additional noninterest expense	$107,000	13,463
Pre-tax net operating income	$-1,600,000	13,587
Securities gains (losses)	$0	8,369
Applicable income taxes	$-44,000	13,492
Income before extraordinary items	$-1,556,000	13,623
Extraordinary gains, net	$0	1,422
Net income	$-1,556,000	13,618
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	9,788
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$-838,000	13,874
Net operating income	$-1,556,000	13,567

* 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.