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Bank One, Colorado, Income and Expense

2001-12-31 (YTD Data)		Rank
Total interest income	$282,882,000	184
Total interest expense	$90,676,000	241
Net interest income	$192,206,000	152
Provision for loan and lease losses	$35,405,000	120
Total noninterest income	$167,843,000	114
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$30,392,000	92
Trading account gains and fees	$23,000	151
Additional Noninterest Income	$137,428,000	109
Total noninterest expense	$220,828,000	135
Salaries and employee benefits	$28,502,000	287
Premises and equipment expense	$13,226,000	198
Additional noninterest expense	$179,100,000	91
Pre-tax net operating income	$103,816,000	152
Securities gains (losses)	$1,149,000	372
Applicable income taxes	$40,263,000	143
Income before extraordinary items	$64,702,000	165
Extraordinary gains, net	$0	105
Net income	$64,702,000	164
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$22,289,000	139
Cash dividends	$60,000,000	121
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$63,966,640	159
2000-12-31 (YTD Data)		Rank
Total interest income	$339,159,000	180
Total interest expense	$125,977,000	222
Net interest income	$213,182,000	144
Provision for loan and lease losses	$36,709,000	109
Total noninterest income	$128,834,000	135
Gross Fiduciary activities income	$6,214,000	148
Service charges on deposit accounts	$28,985,000	91
Trading account gains and fees	$-324,000	4,526
Additional Noninterest Income	$93,959,000	125
Total noninterest expense	$254,366,000	124
Salaries and employee benefits	$27,812,000	269
Premises and equipment expense	$13,396,000	195
Additional noninterest expense	$213,158,000	84
Pre-tax net operating income	$50,941,000	230
Securities gains (losses)	$-10,685,000	9,866
Applicable income taxes	$13,647,000	273
Income before extraordinary items	$26,609,000	283
Extraordinary gains, net	$0	38
Net income	$26,609,000	282
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,709,000	128
Cash dividends	$40,000,000	157
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$33,661,100	231
1999-12-31 (YTD Data)		Rank
Total interest income	$287,758,000	179
Total interest expense	$94,365,000	239
Net interest income	$193,393,000	150
Provision for loan and lease losses	$22,945,000	132
Total noninterest income	$186,565,000	109
Gross Fiduciary activities income	$12,194,000	124
Service charges on deposit accounts	$30,841,000	87
Trading account gains and fees	$0	173
Additional Noninterest Income	$143,530,000	99
Total noninterest expense	$260,054,000	119
Salaries and employee benefits	$26,743,000	298
Premises and equipment expense	$12,087,000	218
Additional noninterest expense	$221,224,000	74
Pre-tax net operating income	$96,959,000	166
Securities gains (losses)	$3,942,000	79
Applicable income taxes	$36,313,000	162
Income before extraordinary items	$64,588,000	162
Extraordinary gains, net	$0	35
Net income	$64,588,000	163
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,477,000	124
Cash dividends	$20,000,000	251
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$62,065,120	167
1998-12-31 (YTD Data)		Rank
Total interest income	$250,271,000	197
Total interest expense	$83,698,000	254
Net interest income	$166,573,000	168
Provision for loan and lease losses	$24,099,000	122
Total noninterest income	$128,950,000	142
Gross Fiduciary activities income	$10,030,000	137
Service charges on deposit accounts	$30,864,000	85
Trading account gains and fees	$33,000	175
Additional Noninterest Income	$88,023,000	141
Total noninterest expense	$193,831,000	150
Salaries and employee benefits	$25,777,000	299
Premises and equipment expense	$12,644,000	207
Additional noninterest expense	$155,410,000	107
Pre-tax net operating income	$77,593,000	184
Securities gains (losses)	$3,391,000	166
Applicable income taxes	$27,253,000	182
Income before extraordinary items	$53,731,000	188
Extraordinary gains, net	$0	32
Net income	$53,731,000	187
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$17,427,000	133
Cash dividends	$29,000,000	205
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$51,492,940	187
1997-12-31 (YTD Data)		Rank
Total interest income	$240,261,000	210
Total interest expense	$85,478,000	259
Net interest income	$154,783,000	183
Provision for loan and lease losses	$11,096,000	197
Total noninterest income	$52,785,000	216
Gross Fiduciary activities income	$10,667,000	132
Service charges on deposit accounts	$23,691,000	101
Trading account gains and fees	$153,000	149
Additional Noninterest Income	$18,274,000	277
Total noninterest expense	$133,139,000	181
Salaries and employee benefits	$28,444,000	255
Premises and equipment expense	$12,610,000	211
Additional noninterest expense	$92,085,000	143
Pre-tax net operating income	$63,333,000	200
Securities gains (losses)	$2,254,000	166
Applicable income taxes	$21,890,000	212
Income before extraordinary items	$43,697,000	202
Extraordinary gains, net	$0	44
Net income	$43,697,000	202
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,404,000	227
Cash dividends	$134,000,000	64
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$42,186,820	199
1996-12-31 (YTD Data)		Rank
Total interest income	$233,081,000	234
Total interest expense	$87,606,000	280
Net interest income	$145,475,000	207
Provision for loan and lease losses	$1,373,000	807
Total noninterest income	$59,852,000	208
Gross Fiduciary activities income	$10,295,000	140
Service charges on deposit accounts	$22,883,000	121
Trading account gains and fees	$-31,000	4,663
Additional Noninterest Income	$26,705,000	240
Total noninterest expense	$120,728,000	218
Salaries and employee benefits	$37,178,000	238
Premises and equipment expense	$15,965,000	196
Additional noninterest expense	$67,585,000	194
Pre-tax net operating income	$83,226,000	170
Securities gains (losses)	$91,000	1,003
Applicable income taxes	$27,788,000	177
Income before extraordinary items	$55,529,000	170
Extraordinary gains, net	$0	53
Net income	$55,529,000	169
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,960,000	298
Cash dividends	$68,699,000	115
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$55,468,030	169
1995-12-31 (YTD Data)		Rank
Total interest income	$227,422,000	244
Total interest expense	$86,336,000	296
Net interest income	$141,086,000	217
Provision for loan and lease losses	$2,442,000	508
Total noninterest income	$54,141,000	221
Gross Fiduciary activities income	$10,068,000	151
Service charges on deposit accounts	$24,817,000	116
Trading account gains and fees	$0	522
Additional Noninterest Income	$19,256,000	290
Total noninterest expense	$128,514,000	206
Salaries and employee benefits	$47,334,000	201
Premises and equipment expense	$15,533,000	206
Additional noninterest expense	$65,647,000	200
Pre-tax net operating income	$64,271,000	216
Securities gains (losses)	$-1,298,000	11,882
Applicable income taxes	$20,421,000	233
Income before extraordinary items	$42,552,000	219
Extraordinary gains, net	$0	65
Net income	$42,552,000	218
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,028,000	318
Cash dividends	$26,000,000	208
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$43,434,640	214
1994-12-31 (YTD Data)		Rank
Total interest income	$94,102,000	423
Total interest expense	$29,169,000	540
Net interest income	$64,933,000	353
Provision for loan and lease losses	$200,000	3,000
Total noninterest income	$18,220,000	397
Gross Fiduciary activities income	$3,070,000	297
Service charges on deposit accounts	$7,355,000	255
Trading account gains and fees	$524,000	145
Additional Noninterest Income	$7,271,000	506
Total noninterest expense	$55,892,000	371
Salaries and employee benefits	$19,644,000	403
Premises and equipment expense	$5,211,000	473
Additional noninterest expense	$31,037,000	328
Pre-tax net operating income	$27,061,000	360
Securities gains (losses)	$-1,330,000	12,438
Applicable income taxes	$7,921,000	404
Income before extraordinary items	$17,810,000	346
Extraordinary gains, net	$0	249
Net income	$17,810,000	347
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-598,000	12,550
Cash dividends	$10,950,000	325
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$18,727,700	337
1993-12-31 (YTD Data)		Rank
Total interest income	$82,910,000	460
Total interest expense	$22,236,000	659
Net interest income	$60,674,000	370
Provision for loan and lease losses	$380,000	2,540
Total noninterest income	$18,783,000	399
Gross Fiduciary activities income	$2,829,000	314
Service charges on deposit accounts	$7,970,000	235
Trading account gains and fees	$190,000	234
Additional Noninterest Income	$7,794,000	503
Total noninterest expense	$54,637,000	381
Salaries and employee benefits	$20,234,000	383
Premises and equipment expense	$5,767,000	450
Additional noninterest expense	$28,636,000	360
Pre-tax net operating income	$24,440,000	349
Securities gains (losses)	$-9,000	12,743
Applicable income taxes	$7,000,000	418
Income before extraordinary items	$17,431,000	346
Extraordinary gains, net	$0	3,149
Net income	$17,431,000	358
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,067,000	1,100
Cash dividends	$9,775,000	293
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$17,437,390	327
1992-12-31 (YTD Data)		Rank
Total interest income	$85,843,000	497
Total interest expense	$28,153,000	680
Net interest income	$57,690,000	392
Provision for loan and lease losses	$2,845,000	874
Total noninterest income	$17,443,000	423
Gross Fiduciary activities income	$3,069,000	300
Service charges on deposit accounts	$8,037,000	238
Trading account gains and fees	$892,000	140
Additional Noninterest Income	$5,445,000	643
Total noninterest expense	$57,750,000	362
Salaries and employee benefits	$19,315,000	394
Premises and equipment expense	$6,069,000	439
Additional noninterest expense	$32,366,000	322
Pre-tax net operating income	$14,538,000	452
Securities gains (losses)	$2,000	7,695
Applicable income taxes	$4,323,000	547
Income before extraordinary items	$10,217,000	485
Extraordinary gains, net	$0	1,422
Net income	$10,217,000	489
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,529,000	565
Cash dividends	$6,640,000	292
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$10,215,600	435

* 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.