SAN FRANCISCO — Golden State Bancorp on Tuesday reported 2000 earnings of $350.5 million, or $2.46 per diluted share, up 8.4% from 1999.

The parent of California Federal Bank also reported fourth-quarter earnings of $89.3 million, or 63 cents per diluted share, up 5.5% from the year earlier.

Carl B. Webb, president and chief operating officer, said retail checking deposits, which grew 12% last year, to $3.8 billion; an increase in lending, to 65% of total assets; and a 23% increase in non-single-family loans, to $1.7 billion were keys to the company’s performance.

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