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Bank One, Income and Expense

2004-09-30 (YTD Data)Rank
Total interest income$874,000,00054
Total interest expense$187,000,00070
Net interest income$687,000,00047
Provision for loan and lease losses$87,000,00037
Total noninterest income$370,000,00055
Gross Fiduciary activities income$2,000,000218
Service charges on deposit accounts$43,000,00064
Trading account gains and fees$0134
Additional Noninterest Income$325,000,00051
Total noninterest expense$621,000,00052
Salaries and employee benefits$367,000,00036
Premises and equipment expense$79,000,00048
Additional noninterest expense$175,000,00072
Pre-tax net operating income$349,000,00066
Securities gains (losses)$03,710
Applicable income taxes$129,000,00064
Income before extraordinary items$220,000,00069
Extraordinary gains, net$026
Net income$220,000,00068
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$95,000,00036
Cash dividends$05,363
Sale, conversion, retirement of capital stock, net$0738
Net operating income$220,000,00068
2004-06-30 (YTD Data)Rank
Total interest income$1,788,000,00017
Total interest expense$317,000,00022
Net interest income$1,471,000,00013
Provision for loan and lease losses$200,000,00015
Total noninterest income$836,000,00024
Gross Fiduciary activities income$3,000,000137
Service charges on deposit accounts$82,000,00034
Trading account gains and fees$0130
Additional Noninterest Income$751,000,00019
Total noninterest expense$1,154,000,00018
Salaries and employee benefits$744,000,00013
Premises and equipment expense$164,000,00015
Additional noninterest expense$246,000,00041
Pre-tax net operating income$953,000,00016
Securities gains (losses)$6,000,00068
Applicable income taxes$353,000,00014
Income before extraordinary items$606,000,00017
Extraordinary gains, net$021
Net income$606,000,00017
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$195,000,00021
Cash dividends$450,000,00013
Sale, conversion, retirement of capital stock, net$0638
Net operating income$602,160,00018
2004-03-31 (YTD Data)Rank
Total interest income$931,000,00016
Total interest expense$158,000,00023
Net interest income$773,000,00013
Provision for loan and lease losses$132,000,00011
Total noninterest income$388,000,00024
Gross Fiduciary activities income$2,000,000121
Service charges on deposit accounts$39,000,00035
Trading account gains and fees$0121
Additional Noninterest Income$347,000,00021
Total noninterest expense$538,000,00020
Salaries and employee benefits$371,000,00014
Premises and equipment expense$82,000,00015
Additional noninterest expense$85,000,00056
Pre-tax net operating income$491,000,00016
Securities gains (losses)$02,934
Applicable income taxes$180,000,00017
Income before extraordinary items$311,000,00017
Extraordinary gains, net$016
Net income$311,000,00017
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$131,000,00016
Cash dividends$300,000,0009
Sale, conversion, retirement of capital stock, net$0464
Net operating income$311,000,00016
2003-12-31 (YTD Data)Rank
Total interest income$3,421,000,00017
Total interest expense$670,000,00025
Net interest income$2,751,000,00013
Provision for loan and lease losses$817,000,00011
Total noninterest income$1,267,000,00032
Gross Fiduciary activities income$7,000,000128
Service charges on deposit accounts$162,000,00034
Trading account gains and fees$1,000,00080
Additional Noninterest Income$1,097,000,00028
Total noninterest expense$2,132,000,00020
Salaries and employee benefits$1,449,000,00014
Premises and equipment expense$314,000,00015
Additional noninterest expense$369,000,00052
Pre-tax net operating income$1,069,000,00029
Securities gains (losses)$18,000,00079
Applicable income taxes$392,000,00028
Income before extraordinary items$695,000,00030
Extraordinary gains, net$12,000,0007
Net income$707,000,00029
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$850,000,00014
Cash dividends$860,000,00018
Sale, conversion, retirement of capital stock, net$0868
Net operating income$683,480,00031
2003-09-30 (YTD Data)Rank
Total interest income$2,537,000,00016
Total interest expense$512,000,00025
Net interest income$2,025,000,00013
Provision for loan and lease losses$464,000,00013
Total noninterest income$918,000,00032
Gross Fiduciary activities income$5,000,000137
Service charges on deposit accounts$121,000,00034
Trading account gains and fees$0153
Additional Noninterest Income$792,000,00029
Total noninterest expense$1,597,000,00019
Salaries and employee benefits$1,101,000,00014
Premises and equipment expense$228,000,00016
Additional noninterest expense$268,000,00053
Pre-tax net operating income$882,000,00028
Securities gains (losses)$17,000,00074
Applicable income taxes$324,000,00028
Income before extraordinary items$575,000,00027
Extraordinary gains, net$040
Net income$575,000,00027
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$398,000,00017
Cash dividends$360,000,00029
Sale, conversion, retirement of capital stock, net$0722
Net operating income$564,120,00027
2003-06-30 (YTD Data)Rank
Total interest income$1,634,000,00017
Total interest expense$333,000,00028
Net interest income$1,301,000,00013
Provision for loan and lease losses$243,000,00017
Total noninterest income$577,000,00032
Gross Fiduciary activities income$4,000,000127
Service charges on deposit accounts$74,000,00036
Trading account gains and fees$0150
Additional Noninterest Income$499,000,00030
Total noninterest expense$1,048,000,00018
Salaries and employee benefits$731,000,00014
Premises and equipment expense$142,000,00017
Additional noninterest expense$175,000,00052
Pre-tax net operating income$587,000,00028
Securities gains (losses)$17,000,00060
Applicable income taxes$215,000,00027
Income before extraordinary items$389,000,00027
Extraordinary gains, net$030
Net income$389,000,00027
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$247,000,00019
Cash dividends$60,000,00061
Sale, conversion, retirement of capital stock, net$0589
Net operating income$378,120,00028
2003-03-31 (YTD Data)Rank
Total interest income$769,000,00018
Total interest expense$161,000,00029
Net interest income$608,000,00014
Provision for loan and lease losses$98,000,00020
Total noninterest income$300,000,00030
Gross Fiduciary activities income$2,000,000133
Service charges on deposit accounts$37,000,00034
Trading account gains and fees$0134
Additional Noninterest Income$261,000,00029
Total noninterest expense$518,000,00018
Salaries and employee benefits$356,000,00014
Premises and equipment expense$68,000,00019
Additional noninterest expense$94,000,00045
Pre-tax net operating income$292,000,00029
Securities gains (losses)$7,000,00062
Applicable income taxes$108,000,00028
Income before extraordinary items$191,000,00029
Extraordinary gains, net$021
Net income$191,000,00029
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$81,000,00023
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$0419
Net operating income$186,520,00029
2002-12-31 (YTD Data)Rank
Total interest income$3,110,000,00017
Total interest expense$835,000,00023
Net interest income$2,275,000,00015
Provision for loan and lease losses$387,000,00021
Total noninterest income$1,355,000,00026
Gross Fiduciary activities income$4,000,000190
Service charges on deposit accounts$177,000,00027
Trading account gains and fees$0153
Additional Noninterest Income$1,174,000,00021
Total noninterest expense$2,150,000,00018
Salaries and employee benefits$1,300,000,00014
Premises and equipment expense$234,000,00020
Additional noninterest expense$616,000,00032
Pre-tax net operating income$1,093,000,00027
Securities gains (losses)$274,000,0007
Applicable income taxes$513,000,00019
Income before extraordinary items$854,000,00024
Extraordinary gains, net$070
Net income$854,000,00024
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$373,000,00023
Cash dividends$180,000,00062
Sale, conversion, retirement of capital stock, net$0862
Net operating income$678,640,00028
2001-12-31 (YTD Data)Rank
Total interest income$3,047,635,00023
Total interest expense$1,313,571,00026
Net interest income$1,734,064,00020
Provision for loan and lease losses$458,168,00020
Total noninterest income$1,015,883,00030
Gross Fiduciary activities income$2,732,000240
Service charges on deposit accounts$165,071,00024
Trading account gains and fees$-10,684,0009,608
Additional Noninterest Income$858,764,00023
Total noninterest expense$1,783,241,00024
Salaries and employee benefits$1,137,375,00013
Premises and equipment expense$207,060,00023
Additional noninterest expense$438,806,00047
Pre-tax net operating income$508,538,00046
Securities gains (losses)$18,360,00055
Applicable income taxes$171,054,00052
Income before extraordinary items$355,844,00048
Extraordinary gains, net$0105
Net income$355,844,00046
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$291,992,00025
Cash dividends$75,000,000106
Sale, conversion, retirement of capital stock, net$0922
Net operating income$343,359,20046
2000-12-31 (YTD Data)Rank
Total interest income$2,810,229,00028
Total interest expense$1,576,684,00031
Net interest income$1,233,545,00028
Provision for loan and lease losses$339,345,00023
Total noninterest income$579,473,00055
Gross Fiduciary activities income$01,332
Service charges on deposit accounts$136,893,00031
Trading account gains and fees$1,040,00077
Additional Noninterest Income$441,540,00050
Total noninterest expense$1,743,239,00028
Salaries and employee benefits$833,991,00017
Premises and equipment expense$239,003,00021
Additional noninterest expense$670,245,00031
Pre-tax net operating income$-269,566,0009,918
Securities gains (losses)$-45,953,0009,889
Applicable income taxes$-136,801,0009,903
Income before extraordinary items$-178,718,0009,902
Extraordinary gains, net$038
Net income$-178,718,0009,902
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$209,401,00025
Cash dividends$06,853
Sale, conversion, retirement of capital stock, net$0969
Net operating income$-149,308,0809,901
1999-12-31 (YTD Data)Rank
Total interest income$2,225,256,00030
Total interest expense$1,072,514,00032
Net interest income$1,152,742,00030
Provision for loan and lease losses$250,201,00018
Total noninterest income$1,893,085,00019
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$130,287,00030
Trading account gains and fees$1,170,00077
Additional Noninterest Income$1,761,628,00014
Total noninterest expense$2,579,336,00012
Salaries and employee benefits$825,143,00017
Premises and equipment expense$297,539,00015
Additional noninterest expense$1,456,654,00014
Pre-tax net operating income$216,290,00090
Securities gains (losses)$21,571,00021
Applicable income taxes$70,413,00098
Income before extraordinary items$167,448,00079
Extraordinary gains, net$035
Net income$167,448,00079
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$221,072,00019
Cash dividends$135,000,00069
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$152,348,30080
1998-12-31 (YTD Data)Rank
Total interest income$2,227,328,00025
Total interest expense$928,641,00033
Net interest income$1,298,687,00020
Provision for loan and lease losses$333,986,00014
Total noninterest income$2,140,832,00011
Gross Fiduciary activities income$109,375,00038
Service charges on deposit accounts$128,457,00025
Trading account gains and fees$74,000160
Additional Noninterest Income$1,902,926,00011
Total noninterest expense$2,716,684,00010
Salaries and employee benefits$845,835,00019
Premises and equipment expense$302,003,00015
Additional noninterest expense$1,568,846,00010
Pre-tax net operating income$388,849,00051
Securities gains (losses)$28,185,00032
Applicable income taxes$79,913,00085
Income before extraordinary items$337,121,00040
Extraordinary gains, net$032
Net income$337,121,00041
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$353,151,00017
Cash dividends$445,500,00021
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$314,291,15041
1997-12-31 (YTD Data)Rank
Total interest income$2,585,261,00022
Total interest expense$982,448,00031
Net interest income$1,602,813,00015
Provision for loan and lease losses$497,781,00010
Total noninterest income$686,025,00031
Gross Fiduciary activities income$61,852,00045
Service charges on deposit accounts$117,562,00026
Trading account gains and fees$563,000107
Additional Noninterest Income$506,048,00029
Total noninterest expense$1,306,616,00025
Salaries and employee benefits$319,194,00036
Premises and equipment expense$87,180,00043
Additional noninterest expense$900,242,00019
Pre-tax net operating income$484,441,00033
Securities gains (losses)$6,623,00068
Applicable income taxes$131,050,00046
Income before extraordinary items$360,014,00032
Extraordinary gains, net$044
Net income$360,014,00032
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$533,662,0008
Cash dividends$764,500,0008
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$355,179,21032
1996-12-31 (YTD Data)Rank
Total interest income$863,788,00075
Total interest expense$325,173,000103
Net interest income$538,615,00060
Provision for loan and lease losses$292,629,00014
Total noninterest income$459,284,00039
Gross Fiduciary activities income$37,418,00062
Service charges on deposit accounts$39,518,00077
Trading account gains and fees$0262
Additional Noninterest Income$382,348,00028
Total noninterest expense$661,128,00042
Salaries and employee benefits$151,416,00072
Premises and equipment expense$26,832,000131
Additional noninterest expense$482,880,00031
Pre-tax net operating income$44,142,000264
Securities gains (losses)$-40,00010,961
Applicable income taxes$12,711,000305
Income before extraordinary items$31,391,000255
Extraordinary gains, net$053
Net income$31,391,000255
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$190,156,00018
Cash dividends$16,000,000324
Sale, conversion, retirement of capital stock, net$0953
Net operating income$31,419,400250
1995-12-31 (YTD Data)Rank
Total interest income$681,798,00095
Total interest expense$277,515,000112
Net interest income$404,283,00071
Provision for loan and lease losses$113,555,00025
Total noninterest income$451,065,00032
Gross Fiduciary activities income$17,170,000110
Service charges on deposit accounts$34,541,00089
Trading account gains and fees$1,559,000111
Additional Noninterest Income$397,795,00025
Total noninterest expense$569,181,00045
Salaries and employee benefits$132,928,00079
Premises and equipment expense$23,441,000148
Additional noninterest expense$412,812,00030
Pre-tax net operating income$172,612,00087
Securities gains (losses)$53,0001,271
Applicable income taxes$56,862,00092
Income before extraordinary items$115,803,00087
Extraordinary gains, net$065
Net income$115,803,00087
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$82,088,00037
Cash dividends$160,000,00039
Sale, conversion, retirement of capital stock, net$0809
Net operating income$115,767,49085
1994-12-31 (YTD Data)Rank
Total interest income$658,593,00070
Total interest expense$233,187,00099
Net interest income$425,406,00063
Provision for loan and lease losses$42,146,00057
Total noninterest income$451,201,00026
Gross Fiduciary activities income$8,114,000173
Service charges on deposit accounts$30,383,00097
Trading account gains and fees$1,285,000105
Additional Noninterest Income$411,419,00018
Total noninterest expense$638,406,00036
Salaries and employee benefits$117,971,00084
Premises and equipment expense$20,976,000163
Additional noninterest expense$499,459,00012
Pre-tax net operating income$196,055,00067
Securities gains (losses)$-38,598,00012,601
Applicable income taxes$52,276,00088
Income before extraordinary items$105,181,00085
Extraordinary gains, net$0249
Net income$105,181,00085
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$89,537,00035
Cash dividends$62,639,00093
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$131,041,66069
1993-12-31 (YTD Data)Rank
Total interest income$604,081,00073
Total interest expense$169,197,000112
Net interest income$434,884,00060
Provision for loan and lease losses$120,220,00027
Total noninterest income$445,152,00023
Gross Fiduciary activities income$7,701,000175
Service charges on deposit accounts$25,940,000100
Trading account gains and fees$1,263,000125
Additional Noninterest Income$410,248,00016
Total noninterest expense$511,435,00050
Salaries and employee benefits$97,182,000102
Premises and equipment expense$18,517,000178
Additional noninterest expense$395,736,00024
Pre-tax net operating income$248,381,00039
Securities gains (losses)$141,0002,056
Applicable income taxes$82,675,00044
Income before extraordinary items$165,847,00046
Extraordinary gains, net$03,149
Net income$165,847,00047
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$88,646,00042
Cash dividends$107,623,00043
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$165,752,53042
1992-12-31 (YTD Data)Rank
Total interest income$574,987,00078
Total interest expense$196,095,000122
Net interest income$378,892,00062
Provision for loan and lease losses$152,013,00027
Total noninterest income$342,918,00032
Gross Fiduciary activities income$5,869,000198
Service charges on deposit accounts$22,611,000101
Trading account gains and fees$1,496,000126
Additional Noninterest Income$312,942,00020
Total noninterest expense$401,410,00062
Salaries and employee benefits$84,058,000105
Premises and equipment expense$20,980,000157
Additional noninterest expense$296,372,00035
Pre-tax net operating income$168,387,00046
Securities gains (losses)$-150,00013,829
Applicable income taxes$53,778,00054
Income before extraordinary items$114,459,00051
Extraordinary gains, net$01,422
Net income$114,459,00053
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$138,536,00035
Cash dividends$48,400,00054
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$114,561,00048

* 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.