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World Savings and Loan Association, A Federal Savings and Loan Associati, Income and Expense

1999-12-31 (YTD Data)		Rank
Total interest income	$370,792,000	148
Total interest expense	$199,163,000	136
Net interest income	$171,629,000	166
Provision for loan and lease losses	$-4,333,000	10,216
Total noninterest income	$83,879,000	180
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$3,045,000	61
Additional Noninterest Income	$80,834,000	144
Total noninterest expense	$71,989,000	275
Salaries and employee benefits	$46,136,000	189
Premises and equipment expense	$1,569,000	1,293
Additional noninterest expense	$24,284,000	321
Pre-tax net operating income	$187,852,000	97
Securities gains (losses)	$1,250,000	185
Applicable income taxes	$54,653,000	118
Income before extraordinary items	$134,449,000	92
Extraordinary gains, net	$0	35
Net income	$134,449,000	93
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-101,000	10,040
Cash dividends	$225,000,000	50
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$133,561,500	92
1998-12-31 (YTD Data)		Rank
Total interest income	$800,137,000	82
Total interest expense	$496,833,000	71
Net interest income	$303,304,000	104
Provision for loan and lease losses	$-49,593,000	10,464
Total noninterest income	$150,585,000	123
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	224
Additional Noninterest Income	$150,585,000	99
Total noninterest expense	$129,584,000	186
Salaries and employee benefits	$67,221,000	147
Premises and equipment expense	$33,612,000	104
Additional noninterest expense	$28,751,000	289
Pre-tax net operating income	$373,898,000	55
Securities gains (losses)	$8,551,000	82
Applicable income taxes	$146,898,000	47
Income before extraordinary items	$235,551,000	60
Extraordinary gains, net	$-12,511,000	10,463
Net income	$223,040,000	63
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,893,000	152
Cash dividends	$730,000,000	7
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$230,078,360	57
1997-12-31 (YTD Data)		Rank
Total interest income	$1,305,182,000	50
Total interest expense	$866,957,000	36
Net interest income	$438,225,000	73
Provision for loan and lease losses	$1,473,000	740
Total noninterest income	$63,569,000	191
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	239
Additional Noninterest Income	$63,569,000	141
Total noninterest expense	$242,990,000	119
Salaries and employee benefits	$157,971,000	71
Premises and equipment expense	$59,877,000	58
Additional noninterest expense	$25,142,000	295
Pre-tax net operating income	$257,331,000	69
Securities gains (losses)	$5,086,000	88
Applicable income taxes	$101,522,000	61
Income before extraordinary items	$160,895,000	69
Extraordinary gains, net	$0	44
Net income	$160,895,000	69
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,655,000	149
Cash dividends	$515,225,000	16
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$157,639,960	71
1996-12-31 (YTD Data)		Rank
Total interest income	$1,825,053,000	28
Total interest expense	$1,190,308,000	19
Net interest income	$634,745,000	48
Provision for loan and lease losses	$37,644,000	94
Total noninterest income	$50,650,000	230
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	262
Additional Noninterest Income	$50,650,000	173
Total noninterest expense	$402,390,000	72
Salaries and employee benefits	$143,801,000	76
Premises and equipment expense	$59,589,000	62
Additional noninterest expense	$199,000,000	74
Pre-tax net operating income	$245,361,000	60
Securities gains (losses)	$23,718,000	19
Applicable income taxes	$-41,567,000	11,452
Income before extraordinary items	$310,646,000	30
Extraordinary gains, net	$-202,276,000	11,454
Net income	$108,370,000	99
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$33,211,000	99
Cash dividends	$830,000,000	7
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$286,928,000	31
1995-12-31 (YTD Data)		Rank
Total interest income	$2,294,799,000	18
Total interest expense	$1,558,203,000	14
Net interest income	$736,596,000	31
Provision for loan and lease losses	$42,479,000	66
Total noninterest income	$71,643,000	186
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	522
Additional Noninterest Income	$71,643,000	123
Total noninterest expense	$315,544,000	88
Salaries and employee benefits	$137,055,000	76
Premises and equipment expense	$68,962,000	47
Additional noninterest expense	$109,527,000	126
Pre-tax net operating income	$450,216,000	27
Securities gains (losses)	$-511,000	11,807
Applicable income taxes	$177,851,000	22
Income before extraordinary items	$271,854,000	29
Extraordinary gains, net	$0	65
Net income	$271,854,000	29
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$30,207,000	91
Cash dividends	$280,000,000	19
Sale, conversion, retirement of capital stock, net	NA	NA
Net operating income	$272,181,040	30
1994-12-31 (YTD Data)		Rank
Total interest income	$1,855,464,000	16
Total interest expense	$1,096,717,000	11
Net interest income	$758,747,000	25
Provision for loan and lease losses	$46,106,000	51
Total noninterest income	$44,360,000	239
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	475
Additional Noninterest Income	$44,360,000	163
Total noninterest expense	$319,743,000	81
Salaries and employee benefits	$143,672,000	64
Premises and equipment expense	$68,888,000	42
Additional noninterest expense	$107,183,000	128
Pre-tax net operating income	$437,258,000	26
Securities gains (losses)	$21,000	1,738
Applicable income taxes	$180,042,000	18
Income before extraordinary items	$257,237,000	30
Extraordinary gains, net	$0	249
Net income	$257,237,000	30
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$28,800,000	89
Cash dividends	$275,000,000	15
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$257,223,560	29
1993-12-31 (YTD Data)		Rank
Total interest income	$1,871,434,000	14
Total interest expense	$1,048,981,000	10
Net interest income	$822,453,000	21
Provision for loan and lease losses	$66,258,000	53
Total noninterest income	$57,034,000	193
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$57,034,000	124
Total noninterest expense	$331,715,000	75
Salaries and employee benefits	$127,785,000	71
Premises and equipment expense	$61,906,000	48
Additional noninterest expense	$142,024,000	90
Pre-tax net operating income	$481,514,000	16
Securities gains (losses)	$-1,479,000	13,266
Applicable income taxes	$193,846,000	15
Income before extraordinary items	$286,189,000	22
Extraordinary gains, net	$0	3,149
Net income	$286,189,000	24
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,468,000	215
Cash dividends	$34,000,000	121
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$287,135,560	20
1992-12-31 (YTD Data)		Rank
Total interest income	$1,984,427,000	13
Total interest expense	$1,155,476,000	11
Net interest income	$828,951,000	18
Provision for loan and lease losses	$43,218,000	118
Total noninterest income	$38,963,000	243
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$38,963,000	160
Total noninterest expense	$330,481,000	76
Salaries and employee benefits	$115,580,000	80
Premises and equipment expense	$57,768,000	47
Additional noninterest expense	$157,133,000	77
Pre-tax net operating income	$494,215,000	8
Securities gains (losses)	$20,318,000	61
Applicable income taxes	$201,891,000	7
Income before extraordinary items	$312,642,000	10
Extraordinary gains, net	$0	1,422
Net income	$312,642,000	10
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$160,000	4,732
Cash dividends	$40,000,000	68
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$299,638,480	9

* 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.