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BankChicago, Income and Expense
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,997,000 | 2,453 |
| Total interest expense | $1,212,000 | 2,034 |
| Net interest income | $1,785,000 | 2,710 |
| Provision for loan and lease losses | $-76,000 | 9,252 |
| Total noninterest income | $314,000 | 3,147 |
| Gross Fiduciary activities income | $18,000 | 1,032 |
| Service charges on deposit accounts | $267,000 | 1,544 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $29,000 | 6,299 |
| Total noninterest expense | $2,080,000 | 1,889 |
| Salaries and employee benefits | $988,000 | 2,133 |
| Premises and equipment expense | $303,000 | 1,888 |
| Additional noninterest expense | $789,000 | 1,502 |
| Pre-tax net operating income | $95,000 | 7,269 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $108,000 | 3,802 |
| Income before extraordinary items | $-13,000 | 8,845 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-13,000 | 8,842 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-125,000 | 9,239 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-13,000 | 8,745 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $12,880,000 | 2,392 |
| Total interest expense | $5,100,000 | 2,203 |
| Net interest income | $7,780,000 | 2,465 |
| Provision for loan and lease losses | $241,000 | 3,934 |
| Total noninterest income | $1,320,000 | 2,873 |
| Gross Fiduciary activities income | $83,000 | 1,028 |
| Service charges on deposit accounts | $915,000 | 1,760 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $322,000 | 4,102 |
| Total noninterest expense | $7,721,000 | 1,956 |
| Salaries and employee benefits | $4,025,000 | 1,984 |
| Premises and equipment expense | $1,197,000 | 1,858 |
| Additional noninterest expense | $2,499,000 | 1,858 |
| Pre-tax net operating income | $1,138,000 | 4,850 |
| Securities gains (losses) | $35,000 | 2,707 |
| Applicable income taxes | $380,000 | 3,990 |
| Income before extraordinary items | $793,000 | 5,239 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $793,000 | 5,238 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 4,694 |
| Cash dividends | $320,000 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $769,200 | 5,173 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $12,909,000 | 2,641 |
| Total interest expense | $5,720,000 | 2,789 |
| Net interest income | $7,189,000 | 2,487 |
| Provision for loan and lease losses | $207,000 | 4,058 |
| Total noninterest income | $1,790,000 | 2,200 |
| Gross Fiduciary activities income | $97,000 | 1,003 |
| Service charges on deposit accounts | $970,000 | 1,526 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $723,000 | 2,528 |
| Total noninterest expense | $7,700,000 | 1,883 |
| Salaries and employee benefits | $3,882,000 | 1,935 |
| Premises and equipment expense | $1,261,000 | 1,715 |
| Additional noninterest expense | $2,557,000 | 1,789 |
| Pre-tax net operating income | $1,072,000 | 4,715 |
| Securities gains (losses) | $21,000 | 3,115 |
| Applicable income taxes | $429,000 | 3,600 |
| Income before extraordinary items | $664,000 | 5,355 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $664,000 | 5,358 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $328,000 | 2,106 |
| Cash dividends | $380,000 | 3,984 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $650,560 | 5,285 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $14,791,000 | 2,366 |
| Total interest expense | $6,769,000 | 2,487 |
| Net interest income | $8,022,000 | 2,217 |
| Provision for loan and lease losses | $2,977,000 | 470 |
| Total noninterest income | $1,359,000 | 2,527 |
| Gross Fiduciary activities income | $101,000 | 944 |
| Service charges on deposit accounts | $923,000 | 1,484 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $335,000 | 3,700 |
| Total noninterest expense | $7,713,000 | 1,805 |
| Salaries and employee benefits | $3,825,000 | 1,882 |
| Premises and equipment expense | $1,168,000 | 1,796 |
| Additional noninterest expense | $2,720,000 | 1,634 |
| Pre-tax net operating income | $-1,309,000 | 9,768 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-391,000 | 9,772 |
| Income before extraordinary items | $-918,000 | 9,709 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-918,000 | 9,708 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,849,000 | 388 |
| Cash dividends | $550,000 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-918,000 | 9,709 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $14,885,000 | 2,190 |
| Total interest expense | $7,071,000 | 2,108 |
| Net interest income | $7,814,000 | 2,253 |
| Provision for loan and lease losses | $50,000 | 6,505 |
| Total noninterest income | $1,391,000 | 2,415 |
| Gross Fiduciary activities income | $99,000 | 994 |
| Service charges on deposit accounts | $1,086,000 | 1,225 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $206,000 | 4,869 |
| Total noninterest expense | $8,107,000 | 1,697 |
| Salaries and employee benefits | $3,680,000 | 1,900 |
| Premises and equipment expense | $1,124,000 | 1,821 |
| Additional noninterest expense | $3,303,000 | 1,402 |
| Pre-tax net operating income | $1,048,000 | 5,165 |
| Securities gains (losses) | $-17,000 | 9,494 |
| Applicable income taxes | $279,000 | 4,967 |
| Income before extraordinary items | $752,000 | 5,265 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $752,000 | 5,263 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $718,000 | 909 |
| Cash dividends | $685,000 | 2,936 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $764,410 | 5,180 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $11,455,000 | 2,815 |
| Total interest expense | $5,047,000 | 2,972 |
| Net interest income | $6,408,000 | 2,679 |
| Provision for loan and lease losses | $106,000 | 4,995 |
| Total noninterest income | $1,108,000 | 2,868 |
| Gross Fiduciary activities income | $23,000 | 1,209 |
| Service charges on deposit accounts | $888,000 | 1,411 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $197,000 | 4,997 |
| Total noninterest expense | $5,276,000 | 2,463 |
| Salaries and employee benefits | $2,647,000 | 2,553 |
| Premises and equipment expense | $776,000 | 2,516 |
| Additional noninterest expense | $1,853,000 | 2,257 |
| Pre-tax net operating income | $2,134,000 | 3,171 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $544,000 | 3,635 |
| Income before extraordinary items | $1,590,000 | 3,107 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,590,000 | 3,108 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-62,000 | 10,149 |
| Cash dividends | $625,000 | 3,046 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,590,000 | 3,014 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $10,432,000 | 3,101 |
| Total interest expense | $4,432,000 | 3,334 |
| Net interest income | $6,000,000 | 2,907 |
| Provision for loan and lease losses | $442,000 | 1,952 |
| Total noninterest income | $1,109,000 | 2,808 |
| Gross Fiduciary activities income | $20,000 | 1,279 |
| Service charges on deposit accounts | $875,000 | 1,476 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $214,000 | 4,805 |
| Total noninterest expense | $4,526,000 | 2,801 |
| Salaries and employee benefits | $2,512,000 | 2,627 |
| Premises and equipment expense | $749,000 | 2,577 |
| Additional noninterest expense | $1,265,000 | 3,198 |
| Pre-tax net operating income | $2,141,000 | 3,322 |
| Securities gains (losses) | $1,000 | 3,559 |
| Applicable income taxes | $609,000 | 3,622 |
| Income before extraordinary items | $1,533,000 | 3,305 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,533,000 | 3,305 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,805 |
| Cash dividends | $660,000 | 2,883 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,532,280 | 3,225 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $9,369,000 | 3,479 |
| Total interest expense | $4,050,000 | 3,665 |
| Net interest income | $5,319,000 | 3,330 |
| Provision for loan and lease losses | $361,000 | 2,247 |
| Total noninterest income | $1,044,000 | 3,025 |
| Gross Fiduciary activities income | $17,000 | 1,363 |
| Service charges on deposit accounts | $790,000 | 1,702 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $237,000 | 4,689 |
| Total noninterest expense | $4,914,000 | 2,783 |
| Salaries and employee benefits | $2,616,000 | 2,552 |
| Premises and equipment expense | $827,000 | 2,375 |
| Additional noninterest expense | $1,471,000 | 3,176 |
| Pre-tax net operating income | $1,088,000 | 5,450 |
| Securities gains (losses) | $196,000 | 704 |
| Applicable income taxes | $233,000 | 6,668 |
| Income before extraordinary items | $1,051,000 | 4,301 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,051,000 | 4,302 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $386,000 | 1,725 |
| Cash dividends | $580,000 | 3,126 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $890,280 | 4,854 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $9,442,000 | 3,466 |
| Total interest expense | $4,184,000 | 3,549 |
| Net interest income | $5,258,000 | 3,370 |
| Provision for loan and lease losses | $-133,000 | 11,764 |
| Total noninterest income | $859,000 | 3,489 |
| Gross Fiduciary activities income | $25,000 | 1,381 |
| Service charges on deposit accounts | $659,000 | 2,059 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $175,000 | 5,531 |
| Total noninterest expense | $4,581,000 | 2,934 |
| Salaries and employee benefits | $2,581,000 | 2,593 |
| Premises and equipment expense | $719,000 | 2,746 |
| Additional noninterest expense | $1,281,000 | 3,546 |
| Pre-tax net operating income | $1,669,000 | 4,081 |
| Securities gains (losses) | $-34,000 | 10,920 |
| Applicable income taxes | $269,000 | 6,377 |
| Income before extraordinary items | $1,366,000 | 3,531 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,366,000 | 3,529 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-208,000 | 11,857 |
| Cash dividends | $557,000 | 3,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,394,560 | 3,447 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,766,000 | 3,421 |
| Total interest expense | $3,470,000 | 3,480 |
| Net interest income | $5,296,000 | 3,382 |
| Provision for loan and lease losses | $199,000 | 3,048 |
| Total noninterest income | $877,000 | 3,421 |
| Gross Fiduciary activities income | $23,000 | 1,403 |
| Service charges on deposit accounts | $656,000 | 2,063 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $198,000 | 5,306 |
| Total noninterest expense | $4,448,000 | 3,086 |
| Salaries and employee benefits | $2,374,000 | 2,796 |
| Premises and equipment expense | $660,000 | 2,988 |
| Additional noninterest expense | $1,414,000 | 3,498 |
| Pre-tax net operating income | $1,526,000 | 4,357 |
| Securities gains (losses) | $-17,000 | 10,215 |
| Applicable income taxes | $198,000 | 7,372 |
| Income before extraordinary items | $1,311,000 | 3,562 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,311,000 | 3,570 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $199,000 | 2,506 |
| Cash dividends | $520,000 | 3,093 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,325,790 | 3,564 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $9,415,000 | 3,287 |
| Total interest expense | $3,618,000 | 3,467 |
| Net interest income | $5,797,000 | 3,125 |
| Provision for loan and lease losses | $373,000 | 2,574 |
| Total noninterest income | $821,000 | 3,910 |
| Gross Fiduciary activities income | $23,000 | 1,431 |
| Service charges on deposit accounts | $608,000 | 2,264 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $190,000 | 5,825 |
| Total noninterest expense | $4,345,000 | 3,223 |
| Salaries and employee benefits | $2,373,000 | 2,791 |
| Premises and equipment expense | $634,000 | 3,152 |
| Additional noninterest expense | $1,338,000 | 3,843 |
| Pre-tax net operating income | $1,900,000 | 3,490 |
| Securities gains (losses) | $46,000 | 3,527 |
| Applicable income taxes | $375,000 | 5,243 |
| Income before extraordinary items | $1,571,000 | 3,104 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,571,000 | 3,192 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $373,000 | 2,160 |
| Cash dividends | $520,000 | 2,971 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,533,740 | 3,001 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $10,388,000 | 3,364 |
| Total interest expense | $4,639,000 | 3,539 |
| Net interest income | $5,749,000 | 3,197 |
| Provision for loan and lease losses | $332,000 | 3,901 |
| Total noninterest income | $757,000 | 4,141 |
| Gross Fiduciary activities income | $47,000 | 1,375 |
| Service charges on deposit accounts | $607,000 | 2,257 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $103,000 | 7,958 |
| Total noninterest expense | $3,973,000 | 3,520 |
| Salaries and employee benefits | $2,216,000 | 2,914 |
| Premises and equipment expense | $607,000 | 3,317 |
| Additional noninterest expense | $1,150,000 | 4,515 |
| Pre-tax net operating income | $2,201,000 | 2,834 |
| Securities gains (losses) | $24,000 | 5,342 |
| Applicable income taxes | $457,000 | 4,306 |
| Income before extraordinary items | $1,768,000 | 2,596 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,768,000 | 2,633 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $257,000 | 3,660 |
| Cash dividends | $520,000 | 2,688 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,749,040 | 2,434 |
* 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.