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Allfirst Bank, Income and Expense

2003-03-31 (YTD Data)		Rank
Total interest income	$147,065,000	92
Total interest expense	$42,874,000	110
Net interest income	$104,191,000	85
Provision for loan and lease losses	$9,838,000	103
Total noninterest income	$76,991,000	81
Gross Fiduciary activities income	$14,973,000	43
Service charges on deposit accounts	$29,315,000	42
Trading account gains and fees	$2,148,000	46
Additional Noninterest Income	$30,555,000	108
Total noninterest expense	$136,672,000	71
Salaries and employee benefits	$81,331,000	52
Premises and equipment expense	$23,379,000	56
Additional noninterest expense	$31,962,000	104
Pre-tax net operating income	$34,672,000	130
Securities gains (losses)	$25,798,000	26
Applicable income taxes	$16,137,000	119
Income before extraordinary items	$44,333,000	82
Extraordinary gains, net	$0	21
Net income	$44,333,000	82
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,038,000	65
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$25,500,460	122
2002-12-31 (YTD Data)		Rank
Total interest income	$756,412,000	80
Total interest expense	$248,407,000	92
Net interest income	$508,005,000	72
Provision for loan and lease losses	$75,664,000	74
Total noninterest income	$357,988,000	70
Gross Fiduciary activities income	$61,947,000	43
Service charges on deposit accounts	$124,404,000	41
Trading account gains and fees	$-9,408,000	9,348
Additional Noninterest Income	$181,045,000	78
Total noninterest expense	$630,243,000	59
Salaries and employee benefits	$384,575,000	38
Premises and equipment expense	$95,415,000	51
Additional noninterest expense	$150,253,000	97
Pre-tax net operating income	$160,086,000	121
Securities gains (losses)	$88,217,000	25
Applicable income taxes	$55,515,000	130
Income before extraordinary items	$192,788,000	78
Extraordinary gains, net	$0	70
Net income	$192,788,000	77
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$72,816,000	73
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$123,978,740	103
2001-12-31 (YTD Data)		Rank
Total interest income	$982,396,000	74
Total interest expense	$429,166,000	77
Net interest income	$553,230,000	70
Provision for loan and lease losses	$28,183,000	145
Total noninterest income	$-27,670,000	9,614
Gross Fiduciary activities income	$62,776,000	45
Service charges on deposit accounts	$114,279,000	39
Trading account gains and fees	$-351,353,000	9,614
Additional Noninterest Income	$146,628,000	106
Total noninterest expense	$531,850,000	72
Salaries and employee benefits	$313,899,000	46
Premises and equipment expense	$84,639,000	52
Additional noninterest expense	$133,312,000	113
Pre-tax net operating income	$-34,473,000	9,613
Securities gains (losses)	$-9,000	9,278
Applicable income taxes	$-36,268,000	9,612
Income before extraordinary items	$1,786,000	2,815
Extraordinary gains, net	$0	105
Net income	$1,786,000	2,816
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$28,183,000	125
Cash dividends	$140,000,000	68
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$1,791,760	2,709
2000-12-31 (YTD Data)		Rank
Total interest income	$1,120,629,000	75
Total interest expense	$584,804,000	75
Net interest income	$535,825,000	69
Provision for loan and lease losses	$28,715,000	131
Total noninterest income	$96,950,000	160
Gross Fiduciary activities income	$82,786,000	39
Service charges on deposit accounts	$116,629,000	37
Trading account gains and fees	$-192,391,000	4,553
Additional Noninterest Income	$89,926,000	133
Total noninterest expense	$486,744,000	80
Salaries and employee benefits	$269,368,000	53
Premises and equipment expense	$82,931,000	57
Additional noninterest expense	$134,445,000	117
Pre-tax net operating income	$117,316,000	137
Securities gains (losses)	$230,000	388
Applicable income taxes	$25,595,000	174
Income before extraordinary items	$91,951,000	116
Extraordinary gains, net	$0	38
Net income	$91,951,000	116
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$33,401,000	102
Cash dividends	$140,000,000	67
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$91,771,600	120
1999-12-31 (YTD Data)		Rank
Total interest income	$1,061,700,000	70
Total interest expense	$495,952,000	72
Net interest income	$565,748,000	65
Provision for loan and lease losses	$34,537,000	98
Total noninterest income	$271,142,000	88
Gross Fiduciary activities income	$77,071,000	42
Service charges on deposit accounts	$109,345,000	37
Trading account gains and fees	$12,009,000	31
Additional Noninterest Income	$72,717,000	154
Total noninterest expense	$484,777,000	72
Salaries and employee benefits	$267,557,000	50
Premises and equipment expense	$82,069,000	54
Additional noninterest expense	$135,151,000	108
Pre-tax net operating income	$317,576,000	73
Securities gains (losses)	$4,823,000	67
Applicable income taxes	$104,194,000	75
Income before extraordinary items	$218,205,000	73
Extraordinary gains, net	$0	35
Net income	$218,205,000	73
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$34,137,000	95
Cash dividends	$140,000,000	67
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$214,925,360	71
1998-12-31 (YTD Data)		Rank
Total interest income	$1,095,066,000	66
Total interest expense	$520,065,000	67
Net interest income	$575,001,000	61
Provision for loan and lease losses	$33,349,000	98
Total noninterest income	$260,433,000	87
Gross Fiduciary activities income	$66,996,000	44
Service charges on deposit accounts	$109,840,000	36
Trading account gains and fees	$-70,000	4,431
Additional Noninterest Income	$83,667,000	146
Total noninterest expense	$599,867,000	59
Salaries and employee benefits	$289,035,000	46
Premises and equipment expense	$80,149,000	55
Additional noninterest expense	$230,683,000	69
Pre-tax net operating income	$202,218,000	84
Securities gains (losses)	$60,765,000	16
Applicable income taxes	$105,040,000	67
Income before extraordinary items	$157,943,000	80
Extraordinary gains, net	$0	32
Net income	$157,943,000	81
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$33,753,000	97
Cash dividends	$55,000,000	137
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$119,053,400	88
1997-12-31 (YTD Data)		Rank
Total interest income	$604,054,000	99
Total interest expense	$271,302,000	104
Net interest income	$332,752,000	95
Provision for loan and lease losses	$8,458,000	227
Total noninterest income	$127,634,000	127
Gross Fiduciary activities income	$32,122,000	70
Service charges on deposit accounts	$84,128,000	39
Trading account gains and fees	$-21,867,000	4,504
Additional Noninterest Income	$33,251,000	203
Total noninterest expense	$318,438,000	91
Salaries and employee benefits	$194,396,000	59
Premises and equipment expense	$57,007,000	64
Additional noninterest expense	$67,035,000	171
Pre-tax net operating income	$133,490,000	113
Securities gains (losses)	$1,087,000	263
Applicable income taxes	$49,352,000	117
Income before extraordinary items	$85,225,000	119
Extraordinary gains, net	$0	44
Net income	$85,225,000	119
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,428,000	181
Cash dividends	$38,000,000	154
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$84,529,320	115
1996-12-31 (YTD Data)		Rank
Total interest income	$539,464,000	120
Total interest expense	$236,655,000	134
Net interest income	$302,809,000	114
Provision for loan and lease losses	$-7,451,000	11,436
Total noninterest income	$162,654,000	103
Gross Fiduciary activities income	$23,084,000	89
Service charges on deposit accounts	$75,554,000	38
Trading account gains and fees	$4,941,000	50
Additional Noninterest Income	$59,075,000	157
Total noninterest expense	$319,233,000	96
Salaries and employee benefits	$179,891,000	55
Premises and equipment expense	$56,630,000	65
Additional noninterest expense	$82,712,000	168
Pre-tax net operating income	$153,681,000	103
Securities gains (losses)	$-776,000	11,393
Applicable income taxes	$57,370,000	98
Income before extraordinary items	$95,535,000	110
Extraordinary gains, net	$0	53
Net income	$95,535,000	109
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,227,000	200
Cash dividends	$168,000,000	44
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$96,031,640	105
1995-12-31 (YTD Data)		Rank
Total interest income	$511,912,000	121
Total interest expense	$232,775,000	134
Net interest income	$279,137,000	119
Provision for loan and lease losses	$0	8,958
Total noninterest income	$133,906,000	110
Gross Fiduciary activities income	$17,801,000	104
Service charges on deposit accounts	$67,242,000	45
Trading account gains and fees	$366,000	200
Additional Noninterest Income	$48,497,000	158
Total noninterest expense	$305,196,000	92
Salaries and employee benefits	$170,197,000	58
Premises and equipment expense	$53,783,000	68
Additional noninterest expense	$81,216,000	162
Pre-tax net operating income	$107,847,000	138
Securities gains (losses)	$14,000	2,143
Applicable income taxes	$36,192,000	148
Income before extraordinary items	$71,669,000	136
Extraordinary gains, net	$0	65
Net income	$71,669,000	135
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,565,000	336
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$71,659,760	134
1994-12-31 (YTD Data)		Rank
Total interest income	$446,779,000	122
Total interest expense	$173,635,000	130
Net interest income	$273,144,000	113
Provision for loan and lease losses	$2,490,000	489
Total noninterest income	$139,070,000	97
Gross Fiduciary activities income	$15,122,000	116
Service charges on deposit accounts	$67,850,000	40
Trading account gains and fees	$3,842,000	61
Additional Noninterest Income	$52,256,000	137
Total noninterest expense	$310,209,000	83
Salaries and employee benefits	$167,345,000	57
Premises and equipment expense	$54,678,000	62
Additional noninterest expense	$88,186,000	150
Pre-tax net operating income	$99,515,000	138
Securities gains (losses)	$11,621,000	15
Applicable income taxes	$37,848,000	125
Income before extraordinary items	$73,288,000	132
Extraordinary gains, net	$0	249
Net income	$73,288,000	132
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,659,000	310
Cash dividends	$30,000,000	167
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$65,618,140	148
1993-12-31 (YTD Data)		Rank
Total interest income	$445,798,000	108
Total interest expense	$162,371,000	114
Net interest income	$283,427,000	102
Provision for loan and lease losses	$14,372,000	209
Total noninterest income	$129,958,000	100
Gross Fiduciary activities income	$14,762,000	115
Service charges on deposit accounts	$68,493,000	36
Trading account gains and fees	$2,003,000	105
Additional Noninterest Income	$44,700,000	147
Total noninterest expense	$290,125,000	89
Salaries and employee benefits	$157,898,000	60
Premises and equipment expense	$49,567,000	63
Additional noninterest expense	$82,660,000	152
Pre-tax net operating income	$108,888,000	114
Securities gains (losses)	$19,184,000	43
Applicable income taxes	$44,952,000	90
Income before extraordinary items	$83,120,000	102
Extraordinary gains, net	$-4,625,000	13,258
Net income	$78,495,000	114
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,612,000	209
Cash dividends	$29,000,000	135
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$70,650,400	120
1992-12-31 (YTD Data)		Rank
Total interest income	$453,316,000	110
Total interest expense	$189,440,000	130
Net interest income	$263,876,000	97
Provision for loan and lease losses	$16,637,000	245
Total noninterest income	$122,577,000	98
Gross Fiduciary activities income	$14,239,000	117
Service charges on deposit accounts	$64,735,000	37
Trading account gains and fees	$295,000	201
Additional Noninterest Income	$43,308,000	142
Total noninterest expense	$273,325,000	89
Salaries and employee benefits	$147,220,000	61
Premises and equipment expense	$46,273,000	65
Additional noninterest expense	$79,832,000	148
Pre-tax net operating income	$96,491,000	91
Securities gains (losses)	$6,031,000	176
Applicable income taxes	$34,399,000	86
Income before extraordinary items	$68,123,000	100
Extraordinary gains, net	$0	1,422
Net income	$68,123,000	100
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$21,775,000	191
Cash dividends	$85,968,000	33
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$64,142,540	93

* 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.