WESTERN SAVINGS AND LOAN <WSL> 4TH QTR LOSS Shr loss 48 cts vs profit 77 cts Net loss 3,923,000 vs profit 11,551,000 Year Shr profit 1.80 dlrs vs profit 2.32 dlrs Net profit 30,171,000 vs profit 36,667,000 Loans 3.38 billion vs 3.17 billion Deposits 3.81 billion vs 3.28 billion Assets 5.55 billion vs 4.78 billion Note: Full name Western Savings and Loan Association.