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First Federal Savings and Loan Association of Rochester, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$492,851,000	132
Total interest expense	$315,480,000	106
Net interest income	$177,371,000	178
Provision for loan and lease losses	$12,616,000	175
Total noninterest income	$38,822,000	270
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	262
Additional Noninterest Income	$38,822,000	197
Total noninterest expense	$142,342,000	194
Salaries and employee benefits	$58,841,000	172
Premises and equipment expense	$24,809,000	140
Additional noninterest expense	$58,692,000	211
Pre-tax net operating income	$61,235,000	216
Securities gains (losses)	$3,417,000	105
Applicable income taxes	$-16,868,000	11,444
Income before extraordinary items	$81,520,000	125
Extraordinary gains, net	$0	53
Net income	$81,520,000	124
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,943,000	188
Cash dividends	$38,999,000	171
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$78,103,000	127
1995-12-31 (YTD Data)		Rank
Total interest income	$473,502,000	133
Total interest expense	$307,098,000	103
Net interest income	$166,404,000	188
Provision for loan and lease losses	$15,757,000	138
Total noninterest income	$24,802,000	354
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	522
Additional Noninterest Income	$24,802,000	245
Total noninterest expense	$102,619,000	243
Salaries and employee benefits	$52,054,000	187
Premises and equipment expense	$23,586,000	147
Additional noninterest expense	$26,979,000	357
Pre-tax net operating income	$72,830,000	199
Securities gains (losses)	$5,582,000	52
Applicable income taxes	$31,230,000	164
Income before extraordinary items	$47,182,000	200
Extraordinary gains, net	$0	65
Net income	$47,182,000	199
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,125,000	175
Cash dividends	$6,342,000	534
Sale, conversion, retirement of capital stock, net	NA	NA
Net operating income	$43,609,520	213
1994-12-31 (YTD Data)		Rank
Total interest income	$374,601,000	145
Total interest expense	$223,578,000	104
Net interest income	$151,023,000	198
Provision for loan and lease losses	$15,389,000	145
Total noninterest income	$30,480,000	303
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	475
Additional Noninterest Income	$30,480,000	217
Total noninterest expense	$104,386,000	232
Salaries and employee benefits	$49,921,000	191
Premises and equipment expense	$21,147,000	162
Additional noninterest expense	$33,318,000	310
Pre-tax net operating income	$61,728,000	205
Securities gains (losses)	$-432,000	12,207
Applicable income taxes	$26,368,000	177
Income before extraordinary items	$34,928,000	229
Extraordinary gains, net	$0	249
Net income	$34,928,000	228
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$29,189,000	87
Cash dividends	$4,553,000	602
Sale, conversion, retirement of capital stock, net	$-103,000	12,511
Net operating income	$35,204,480	232
1993-12-31 (YTD Data)		Rank
Total interest income	$352,702,000	138
Total interest expense	$200,515,000	96
Net interest income	$152,187,000	187
Provision for loan and lease losses	$31,674,000	110
Total noninterest income	$25,226,000	338
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$25,226,000	225
Total noninterest expense	$109,330,000	224
Salaries and employee benefits	$47,939,000	192
Premises and equipment expense	$19,652,000	164
Additional noninterest expense	$41,739,000	273
Pre-tax net operating income	$36,409,000	264
Securities gains (losses)	$8,916,000	93
Applicable income taxes	$15,243,000	227
Income before extraordinary items	$30,082,000	237
Extraordinary gains, net	$0	3,149
Net income	$30,082,000	245
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$34,569,000	112
Cash dividends	$3,819,000	599
Sale, conversion, retirement of capital stock, net	$27,674,000	53
Net operating income	$24,197,440	263
1992-12-31 (YTD Data)		Rank
Total interest income	$374,445,000	134
Total interest expense	$229,009,000	103
Net interest income	$145,436,000	181
Provision for loan and lease losses	$39,839,000	128
Total noninterest income	$30,863,000	292
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$30,863,000	193
Total noninterest expense	$101,878,000	237
Salaries and employee benefits	$42,925,000	207
Premises and equipment expense	$17,973,000	179
Additional noninterest expense	$40,980,000	281
Pre-tax net operating income	$34,582,000	223
Securities gains (losses)	$13,459,000	94
Applicable income taxes	$17,921,000	161
Income before extraordinary items	$30,120,000	195
Extraordinary gains, net	$0	1,422
Net income	$30,120,000	200
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$33,283,000	143
Cash dividends	$2,659,000	666
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$21,506,240	232

* 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.