FREEDOM SAVINGS AND LOAN ASS'N <FRDM> YEAR END Shr loss 31.09 dlrs vs loss 1.86 dlrs Net loss 112.7 mln vs loss 5.5 mln NOTE: 1986 loss includes operating loss of 109.4 mln dlrs or 30.21 dlrs a share, including an additional loan loss provision of 68 mln dlrs, write downs in the value of real estate of 13 mln dlrs and an extraordinary loss of 3.3 mln dlrs for early retirement of long-term debt.