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First Nationwide Bank, FSB, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$1,233,973,000	46
Total interest expense	$784,892,000	33
Net interest income	$449,081,000	73
Provision for loan and lease losses	$39,600,000	89
Total noninterest income	$597,048,000	29
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	262
Additional Noninterest Income	$597,048,000	18
Total noninterest expense	$472,098,000	61
Salaries and employee benefits	$208,891,000	48
Premises and equipment expense	$66,623,000	53
Additional noninterest expense	$196,584,000	75
Pre-tax net operating income	$534,431,000	26
Securities gains (losses)	$57,148,000	8
Applicable income taxes	$-72,934,000	11,454
Income before extraordinary items	$664,513,000	10
Extraordinary gains, net	$-1,586,000	11,450
Net income	$662,927,000	11
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$46,835,000	77
Cash dividends	$310,291,000	27
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$607,365,000	11
1995-12-31 (YTD Data)		Rank
Total interest income	$1,073,400,000	54
Total interest expense	$725,681,000	33
Net interest income	$347,719,000	86
Provision for loan and lease losses	$34,000,000	82
Total noninterest income	$137,546,000	109
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	522
Additional Noninterest Income	$137,546,000	74
Total noninterest expense	$302,183,000	93
Salaries and employee benefits	$147,782,000	69
Premises and equipment expense	$67,773,000	50
Additional noninterest expense	$86,628,000	154
Pre-tax net operating income	$149,082,000	100
Securities gains (losses)	$1,497,000	167
Applicable income taxes	$-58,772,000	11,972
Income before extraordinary items	$209,351,000	41
Extraordinary gains, net	$1,967,000	4
Net income	$211,318,000	42
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$28,577,000	94
Cash dividends	$146,484,000	42
Sale, conversion, retirement of capital stock, net	NA	NA
Net operating income	$207,854,000	42
1994-12-31 (YTD Data)		Rank
Total interest income	$279,280,000	194
Total interest expense	$202,369,000	111
Net interest income	$76,911,000	317
Provision for loan and lease losses	$6,226,000	252
Total noninterest income	$39,936,000	257
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	475
Additional Noninterest Income	$39,936,000	180
Total noninterest expense	$71,942,000	310
Salaries and employee benefits	$35,259,000	263
Premises and equipment expense	$14,016,000	218
Additional noninterest expense	$22,667,000	405
Pre-tax net operating income	$38,679,000	291
Securities gains (losses)	$-158,000	11,826
Applicable income taxes	$2,690,000	954
Income before extraordinary items	$35,831,000	223
Extraordinary gains, net	$1,495,000	12
Net income	$37,326,000	217
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,591,000	234
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$679,377,000	1
Net operating income	$35,977,940	228
1993-12-31 (YTD Data)		Rank
Total interest income	$60,945,000	585
Total interest expense	$72,805,000	261
Net interest income	$-11,860,000	13,280
Provision for loan and lease losses	$840,000	1,468
Total noninterest income	$178,637,000	75
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$178,637,000	41
Total noninterest expense	$44,112,000	441
Salaries and employee benefits	$9,493,000	730
Premises and equipment expense	$6,125,000	427
Additional noninterest expense	$28,494,000	362
Pre-tax net operating income	$121,825,000	95
Securities gains (losses)	$24,793,000	31
Applicable income taxes	$2,500,000	1,004
Income before extraordinary items	$144,118,000	54
Extraordinary gains, net	$0	3,149
Net income	$144,118,000	56
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,048,000	187
Cash dividends	$188,000,000	20
Sale, conversion, retirement of capital stock, net	$-316,000,000	13,285
Net operating income	$119,820,860	60
1992-12-31 (YTD Data)		Rank
Total interest income	$464,884,000	104
Total interest expense	$390,542,000	49
Net interest income	$74,342,000	320
Provision for loan and lease losses	$12,041,000	325
Total noninterest income	$191,724,000	60
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$191,724,000	33
Total noninterest expense	$263,405,000	94
Salaries and employee benefits	$69,782,000	131
Premises and equipment expense	$57,406,000	48
Additional noninterest expense	$136,217,000	85
Pre-tax net operating income	$-9,380,000	13,868
Securities gains (losses)	$197,432,000	2
Applicable income taxes	$0	12,680
Income before extraordinary items	$188,052,000	26
Extraordinary gains, net	$0	1,422
Net income	$188,052,000	29
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,854,000	221
Cash dividends	$181,246,000	12
Sale, conversion, retirement of capital stock, net	$116,570,000	15
Net operating income	$-9,380,000	13,834

* 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.