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Bank One, Arizona, Income and Expense

2000-12-31 (YTD Data)		Rank
Total interest income	$1,996,540,000	44
Total interest expense	$859,373,000	54
Net interest income	$1,137,167,000	37
Provision for loan and lease losses	$311,276,000	25
Total noninterest income	$315,586,000	80
Gross Fiduciary activities income	$3,771,000	197
Service charges on deposit accounts	$158,186,000	28
Trading account gains and fees	$936,000	80
Additional Noninterest Income	$152,693,000	100
Total noninterest expense	$1,258,223,000	33
Salaries and employee benefits	$158,903,000	79
Premises and equipment expense	$61,862,000	70
Additional noninterest expense	$1,037,458,000	18
Pre-tax net operating income	$-116,746,000	9,913
Securities gains (losses)	$-18,348,000	9,876
Applicable income taxes	$-49,145,000	9,899
Income before extraordinary items	$-85,949,000	9,898
Extraordinary gains, net	$0	38
Net income	$-85,949,000	9,898
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$163,063,000	31
Cash dividends	$100,000,000	83
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$-74,206,280	9,897
1999-12-31 (YTD Data)		Rank
Total interest income	$1,627,479,000	46
Total interest expense	$606,124,000	58
Net interest income	$1,021,355,000	34
Provision for loan and lease losses	$143,666,000	28
Total noninterest income	$1,019,449,000	31
Gross Fiduciary activities income	$50,403,000	55
Service charges on deposit accounts	$158,674,000	22
Trading account gains and fees	$0	173
Additional Noninterest Income	$810,372,000	29
Total noninterest expense	$1,382,536,000	27
Salaries and employee benefits	$147,177,000	81
Premises and equipment expense	$45,559,000	84
Additional noninterest expense	$1,189,800,000	17
Pre-tax net operating income	$514,602,000	48
Securities gains (losses)	$2,478,000	118
Applicable income taxes	$186,460,000	44
Income before extraordinary items	$330,620,000	49
Extraordinary gains, net	$0	35
Net income	$330,620,000	49
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$156,089,000	24
Cash dividends	$185,000,000	59
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$329,034,080	50
1998-12-31 (YTD Data)		Rank
Total interest income	$1,296,633,000	55
Total interest expense	$465,856,000	78
Net interest income	$830,777,000	42
Provision for loan and lease losses	$185,076,000	29
Total noninterest income	$682,256,000	36
Gross Fiduciary activities income	$42,611,000	63
Service charges on deposit accounts	$134,962,000	23
Trading account gains and fees	$0	224
Additional Noninterest Income	$504,683,000	32
Total noninterest expense	$940,346,000	34
Salaries and employee benefits	$163,326,000	73
Premises and equipment expense	$44,617,000	87
Additional noninterest expense	$732,403,000	24
Pre-tax net operating income	$387,611,000	52
Securities gains (losses)	$2,615,000	200
Applicable income taxes	$77,662,000	86
Income before extraordinary items	$312,564,000	41
Extraordinary gains, net	$0	32
Net income	$312,564,000	42
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$99,918,000	44
Cash dividends	$140,000,000	59
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$310,472,000	43
1997-12-31 (YTD Data)		Rank
Total interest income	$1,128,551,000	60
Total interest expense	$417,118,000	79
Net interest income	$711,433,000	48
Provision for loan and lease losses	$61,545,000	66
Total noninterest income	$320,506,000	59
Gross Fiduciary activities income	$38,395,000	61
Service charges on deposit accounts	$110,993,000	30
Trading account gains and fees	$-97,000	4,487
Additional Noninterest Income	$171,215,000	70
Total noninterest expense	$631,359,000	49
Salaries and employee benefits	$169,933,000	66
Premises and equipment expense	$53,549,000	69
Additional noninterest expense	$407,877,000	35
Pre-tax net operating income	$339,035,000	53
Securities gains (losses)	$3,973,000	109
Applicable income taxes	$81,540,000	75
Income before extraordinary items	$261,468,000	44
Extraordinary gains, net	$0	44
Net income	$261,468,000	44
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$44,058,000	77
Cash dividends	$395,000,000	21
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$258,448,520	46
1996-12-31 (YTD Data)		Rank
Total interest income	$1,102,604,000	54
Total interest expense	$401,290,000	81
Net interest income	$701,314,000	42
Provision for loan and lease losses	$8,290,000	239
Total noninterest income	$326,122,000	55
Gross Fiduciary activities income	$35,128,000	66
Service charges on deposit accounts	$103,752,000	23
Trading account gains and fees	$2,232,000	74
Additional Noninterest Income	$185,010,000	58
Total noninterest expense	$558,897,000	52
Salaries and employee benefits	$201,462,000	51
Premises and equipment expense	$59,206,000	63
Additional noninterest expense	$298,229,000	49
Pre-tax net operating income	$460,249,000	28
Securities gains (losses)	$-1,216,000	11,414
Applicable income taxes	$172,918,000	26
Income before extraordinary items	$286,115,000	32
Extraordinary gains, net	$0	53
Net income	$286,115,000	31
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$22,855,000	126
Cash dividends	$211,000,000	34
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$286,893,240	32
1995-12-31 (YTD Data)		Rank
Total interest income	$994,955,000	62
Total interest expense	$353,750,000	91
Net interest income	$641,205,000	41
Provision for loan and lease losses	$26,232,000	97
Total noninterest income	$311,407,000	51
Gross Fiduciary activities income	$35,376,000	68
Service charges on deposit accounts	$96,220,000	22
Trading account gains and fees	$2,108,000	99
Additional Noninterest Income	$177,703,000	54
Total noninterest expense	$509,820,000	52
Salaries and employee benefits	$194,686,000	51
Premises and equipment expense	$51,059,000	69
Additional noninterest expense	$264,075,000	51
Pre-tax net operating income	$416,560,000	29
Securities gains (losses)	$-2,751,000	11,919
Applicable income taxes	$165,129,000	26
Income before extraordinary items	$248,680,000	32
Extraordinary gains, net	$0	65
Net income	$248,680,000	32
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$37,795,000	84
Cash dividends	$76,000,000	95
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$250,440,640	33
1994-12-31 (YTD Data)		Rank
Total interest income	$869,813,000	52
Total interest expense	$270,444,000	82
Net interest income	$599,369,000	41
Provision for loan and lease losses	$12,620,000	165
Total noninterest income	$264,592,000	52
Gross Fiduciary activities income	$31,210,000	72
Service charges on deposit accounts	$88,482,000	26
Trading account gains and fees	$2,044,000	80
Additional Noninterest Income	$142,856,000	58
Total noninterest expense	$559,824,000	45
Salaries and employee benefits	$211,442,000	47
Premises and equipment expense	$54,388,000	63
Additional noninterest expense	$293,994,000	43
Pre-tax net operating income	$291,517,000	44
Securities gains (losses)	$-27,011,000	12,595
Applicable income taxes	$106,506,000	37
Income before extraordinary items	$158,000,000	60
Extraordinary gains, net	$0	249
Net income	$158,000,000	60
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,303,000	159
Cash dividends	$53,500,000	110
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$175,287,040	49
1993-12-31 (YTD Data)		Rank
Total interest income	$740,091,000	57
Total interest expense	$232,460,000	82
Net interest income	$507,631,000	48
Provision for loan and lease losses	$22,276,000	140
Total noninterest income	$236,036,000	57
Gross Fiduciary activities income	$31,922,000	71
Service charges on deposit accounts	$85,617,000	25
Trading account gains and fees	$2,442,000	97
Additional Noninterest Income	$116,055,000	69
Total noninterest expense	$516,876,000	48
Salaries and employee benefits	$255,328,000	33
Premises and equipment expense	$71,595,000	39
Additional noninterest expense	$189,953,000	69
Pre-tax net operating income	$204,515,000	46
Securities gains (losses)	$273,000	1,386
Applicable income taxes	$74,981,000	49
Income before extraordinary items	$129,807,000	61
Extraordinary gains, net	$0	3,149
Net income	$129,807,000	61
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$42,500,000	95
Cash dividends	$31,913,000	125
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$129,632,280	54
1992-12-31 (YTD Data)		Rank
Total interest income	$719,534,000	59
Total interest expense	$288,566,000	76
Net interest income	$430,968,000	52
Provision for loan and lease losses	$74,020,000	73
Total noninterest income	$226,452,000	51
Gross Fiduciary activities income	$31,248,000	68
Service charges on deposit accounts	$76,609,000	26
Trading account gains and fees	$3,657,000	80
Additional Noninterest Income	$114,938,000	60
Total noninterest expense	$517,749,000	38
Salaries and employee benefits	$260,968,000	27
Premises and equipment expense	$70,667,000	37
Additional noninterest expense	$186,114,000	68
Pre-tax net operating income	$65,651,000	134
Securities gains (losses)	$11,040,000	105
Applicable income taxes	$16,376,000	178
Income before extraordinary items	$60,315,000	111
Extraordinary gains, net	$11,796,000	18
Net income	$72,111,000	96
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$89,797,000	67
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$51,593,400	117

* 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.