Chemical New York Corp. lost $66.4 million in the third quarter, contrasted with income of $99.1 million in the year-ago period. The nation's fourth-largest bank said the loss was primarily the result of a restructuring program. Other banks reporting earnings showed improved results. Bank of New York's income rose 19% to $45.2 million, attributed in part to a 31.6% rise in fee income. While most banks make money from loans, fees and trading activities, Bank of New York has put more emphasis on boosting high-margin business such as fee income. Buffalo, N.Y.-based Marine Midland's profit rose 39.2% to $49.3 million for the quarter. It said the results reflected a 22% increase in average loans outstanding, a 17.3% increase in fees for banking services and tax benefits resulting from its huge second-quarter provision for loan losses. Chicago-based Continental Illinois' third-quarter net rose 46.2% to $60.1 million. Continental said gains from its venture capital business and a lower loan-loss provision more than offset a decline in its investment portfolio gains and interest collections from Brazil and Ecuador.