The Pioneer Federal Savings and Loan Association, Income and Expense

1993-12-31 (YTD Data)		Rank
Total interest income	$3,313,000	7,815
Total interest expense	$4,496,000	2,858
Net interest income	$-1,183,000	13,268
Provision for loan and lease losses	$758,000	1,573
Total noninterest income	$1,196,000	2,911
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$1,196,000	1,816
Total noninterest expense	$9,087,000	1,663
Salaries and employee benefits	$402,000	10,608
Premises and equipment expense	$305,000	5,763
Additional noninterest expense	$8,380,000	863
Pre-tax net operating income	$-9,832,000	13,225
Securities gains (losses)	$0	7,477
Applicable income taxes	$29,000	11,409
Income before extraordinary items	$-9,861,000	13,203
Extraordinary gains, net	$0	3,149
Net income	$-9,861,000	13,201
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$50,000	6,048
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$-2,516,000	13,267
Net operating income	$-9,861,000	13,198

* 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.