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The Dime Savings Bank of New York, FSB, Income and Expense

2001-12-31 (YTD Data)		Rank
Total interest income	$1,599,102,000	51
Total interest expense	$858,691,000	44
Net interest income	$740,411,000	56
Provision for loan and lease losses	$70,000,000	82
Total noninterest income	$296,412,000	83
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$338,000	92
Additional Noninterest Income	$296,074,000	63
Total noninterest expense	$715,762,000	54
Salaries and employee benefits	$376,137,000	40
Premises and equipment expense	$133,366,000	34
Additional noninterest expense	$206,259,000	82
Pre-tax net operating income	$251,061,000	75
Securities gains (losses)	$336,735,000	5
Applicable income taxes	$212,148,000	43
Income before extraordinary items	$375,648,000	43
Extraordinary gains, net	$-10,521,000	9,605
Net income	$365,127,000	44
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$46,008,000	96
Cash dividends	$95,000,000	88
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$160,137,600	75
2000-12-31 (YTD Data)		Rank
Total interest income	$1,665,142,000	52
Total interest expense	$1,042,219,000	46
Net interest income	$622,923,000	60
Provision for loan and lease losses	$28,000,000	133
Total noninterest income	$361,719,000	68
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$4,000	167
Additional Noninterest Income	$361,715,000	55
Total noninterest expense	$702,900,000	57
Salaries and employee benefits	$317,774,000	46
Premises and equipment expense	$138,908,000	38
Additional noninterest expense	$246,218,000	75
Pre-tax net operating income	$253,742,000	73
Securities gains (losses)	$43,603,000	9
Applicable income taxes	$104,871,000	62
Income before extraordinary items	$192,474,000	64
Extraordinary gains, net	$0	38
Net income	$192,474,000	64
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,933,000	127
Cash dividends	$45,000,000	147
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$164,132,050	71
1999-12-31 (YTD Data)		Rank
Total interest income	$1,405,950,000	55
Total interest expense	$804,016,000	44
Net interest income	$601,934,000	63
Provision for loan and lease losses	$29,500,000	114
Total noninterest income	$305,905,000	80
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$-1,056,000	4,561
Additional Noninterest Income	$306,961,000	61
Total noninterest expense	$650,308,000	56
Salaries and employee benefits	$323,824,000	43
Premises and equipment expense	$127,983,000	36
Additional noninterest expense	$198,501,000	81
Pre-tax net operating income	$228,031,000	84
Securities gains (losses)	$187,544,000	2
Applicable income taxes	$154,572,000	58
Income before extraordinary items	$261,003,000	58
Extraordinary gains, net	$0	35
Net income	$261,003,000	58
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,563,000	158
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$140,974,840	86
1998-12-31 (YTD Data)		Rank
Total interest income	$1,401,895,000	51
Total interest expense	$859,888,000	40
Net interest income	$542,007,000	66
Provision for loan and lease losses	$32,000,000	101
Total noninterest income	$233,208,000	95
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$-237,000	4,442
Additional Noninterest Income	$233,445,000	73
Total noninterest expense	$606,694,000	57
Salaries and employee benefits	$289,401,000	45
Premises and equipment expense	$121,593,000	32
Additional noninterest expense	$195,700,000	83
Pre-tax net operating income	$136,521,000	117
Securities gains (losses)	$248,392,000	5
Applicable income taxes	$126,954,000	57
Income before extraordinary items	$257,959,000	53
Extraordinary gains, net	$-323,000	10,446
Net income	$257,636,000	53
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$43,064,000	77
Cash dividends	$175,000,000	52
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$91,536,360	113
1997-12-31 (YTD Data)		Rank
Total interest income	$1,379,630,000	47
Total interest expense	$874,013,000	35
Net interest income	$505,617,000	60
Provision for loan and lease losses	$49,000,000	81
Total noninterest income	$158,788,000	104
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	239
Additional Noninterest Income	$158,788,000	75
Total noninterest expense	$355,054,000	79
Salaries and employee benefits	$165,547,000	68
Premises and equipment expense	$86,079,000	44
Additional noninterest expense	$103,428,000	133
Pre-tax net operating income	$260,351,000	68
Securities gains (losses)	$-34,423,000	10,922
Applicable income taxes	$85,770,000	72
Income before extraordinary items	$140,158,000	77
Extraordinary gains, net	$0	44
Net income	$140,158,000	77
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$63,188,000	60
Cash dividends	$259,000,000	36
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$162,188,720	69
1996-12-31 (YTD Data)		Rank
Total interest income	$1,347,403,000	38
Total interest expense	$869,164,000	31
Net interest income	$478,239,000	65
Provision for loan and lease losses	$44,500,000	77
Total noninterest income	$75,596,000	184
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	262
Additional Noninterest Income	$75,596,000	133
Total noninterest expense	$325,361,000	91
Salaries and employee benefits	$140,000,000	80
Premises and equipment expense	$62,575,000	58
Additional noninterest expense	$122,786,000	124
Pre-tax net operating income	$183,974,000	88
Securities gains (losses)	$-7,121,000	11,448
Applicable income taxes	$60,257,000	95
Income before extraordinary items	$116,596,000	94
Extraordinary gains, net	$0	53
Net income	$116,596,000	93
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$72,963,000	46
Cash dividends	$80,000,000	101
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$121,295,860	84
1995-12-31 (YTD Data)		Rank
Total interest income	$1,341,328,000	33
Total interest expense	$944,240,000	26
Net interest income	$397,088,000	75
Provision for loan and lease losses	$39,947,000	71
Total noninterest income	$94,670,000	151
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	522
Additional Noninterest Income	$94,670,000	106
Total noninterest expense	$292,118,000	99
Salaries and employee benefits	$122,453,000	89
Premises and equipment expense	$70,551,000	44
Additional noninterest expense	$99,114,000	141
Pre-tax net operating income	$159,693,000	96
Securities gains (losses)	$-26,552,000	11,969
Applicable income taxes	$56,773,000	93
Income before extraordinary items	$76,368,000	127
Extraordinary gains, net	$0	65
Net income	$76,368,000	126
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$69,652,000	42
Cash dividends	$38,000,000	160
Sale, conversion, retirement of capital stock, net	NA	NA
Net operating income	$93,361,280	108
1994-12-31 (YTD Data)		Rank
Total interest income	$608,708,000	80
Total interest expense	$361,712,000	45
Net interest income	$246,996,000	125
Provision for loan and lease losses	$41,309,000	60
Total noninterest income	$40,690,000	252
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	475
Additional Noninterest Income	$40,690,000	178
Total noninterest expense	$216,432,000	132
Salaries and employee benefits	$72,819,000	143
Premises and equipment expense	$39,597,000	86
Additional noninterest expense	$104,016,000	131
Pre-tax net operating income	$29,945,000	333
Securities gains (losses)	$-2,637,000	12,513
Applicable income taxes	$-85,876,000	12,606
Income before extraordinary items	$113,184,000	79
Extraordinary gains, net	$0	249
Net income	$113,184,000	79
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$43,085,000	60
Cash dividends	$13,059,000	288
Sale, conversion, retirement of capital stock, net	$203,000	688
Net operating income	$115,821,000	78
1993-12-31 (YTD Data)		Rank
Total interest income	$505,017,000	93
Total interest expense	$288,937,000	57
Net interest income	$216,080,000	131
Provision for loan and lease losses	$69,002,000	47
Total noninterest income	$30,200,000	296
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$30,200,000	193
Total noninterest expense	$256,612,000	105
Salaries and employee benefits	$67,325,000	143
Premises and equipment expense	$39,133,000	80
Additional noninterest expense	$150,154,000	86
Pre-tax net operating income	$-79,334,000	13,309
Securities gains (losses)	$15,407,000	50
Applicable income taxes	$-87,421,000	13,284
Income before extraordinary items	$23,494,000	283
Extraordinary gains, net	$12,568,000	26
Net income	$36,062,000	215
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$154,934,000	23
Cash dividends	$1,312,000	1,416
Sale, conversion, retirement of capital stock, net	$286,166,000	7
Net operating income	$13,633,520	394
1992-12-31 (YTD Data)		Rank
Total interest income	$686,350,000	64
Total interest expense	$429,098,000	41
Net interest income	$257,252,000	100
Provision for loan and lease losses	$79,784,000	68
Total noninterest income	$1,620,000	2,257
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$1,620,000	1,439
Total noninterest expense	$227,232,000	107
Salaries and employee benefits	$74,199,000	122
Premises and equipment expense	$45,063,000	71
Additional noninterest expense	$107,970,000	109
Pre-tax net operating income	$-48,144,000	13,948
Securities gains (losses)	$50,882,000	22
Applicable income taxes	$-7,532,000	13,913
Income before extraordinary items	$10,270,000	480
Extraordinary gains, net	$-2,760,000	13,898
Net income	$7,510,000	634
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$182,297,000	22
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$677,000	493
Net operating income	$-40,612,000	13,912

* 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.