FIRST FEDERAL SAVINGS <FFKZ> YEAR NET Shr 78 cts vs one dlr Net 1,413,000 vs 1,776,000 Assets 705.3 mln vs 597.3 mln Deposits 495.6 mln vs 493.9 mln Loans 260.0 mln vs 379.7 mln Qtly div six cts vs six cts prior qtr Pay April 1 Record March 6 NOTE: 1986 net includes charges from accounting changes, from one-time expenses associated with a proxy contest and an increase in loan reserves. First Federal Savings and Loan Association of Kalamazoo is full name of company.