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Bank One, Dayton, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$554,827,000	119
Total interest expense	$187,704,000	161
Net interest income	$367,123,000	92
Provision for loan and lease losses	$161,261,000	26
Total noninterest income	$31,082,000	301
Gross Fiduciary activities income	$0	1,526
Service charges on deposit accounts	$12,476,000	174
Trading account gains and fees	$48,000	205
Additional Noninterest Income	$18,558,000	301
Total noninterest expense	$176,403,000	160
Salaries and employee benefits	$49,488,000	193
Premises and equipment expense	$16,867,000	189
Additional noninterest expense	$110,048,000	137
Pre-tax net operating income	$60,542,000	217
Securities gains (losses)	$-14,000	10,446
Applicable income taxes	$18,367,000	240
Income before extraordinary items	$42,161,000	214
Extraordinary gains, net	$0	53
Net income	$42,161,000	214
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$122,299,000	31
Cash dividends	$11,200,000	395
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$42,170,800	213
1995-12-31 (YTD Data)		Rank
Total interest income	$435,538,000	150
Total interest expense	$148,743,000	203
Net interest income	$286,795,000	116
Provision for loan and lease losses	$96,221,000	27
Total noninterest income	$54,763,000	216
Gross Fiduciary activities income	$1,789,000	399
Service charges on deposit accounts	$13,169,000	184
Trading account gains and fees	$45,000	334
Additional Noninterest Income	$39,760,000	181
Total noninterest expense	$168,602,000	161
Salaries and employee benefits	$47,535,000	199
Premises and equipment expense	$14,579,000	215
Additional noninterest expense	$106,488,000	131
Pre-tax net operating income	$76,735,000	193
Securities gains (losses)	$246,000	598
Applicable income taxes	$21,201,000	221
Income before extraordinary items	$55,780,000	176
Extraordinary gains, net	$0	65
Net income	$55,780,000	175
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$63,519,000	44
Cash dividends	$4,333,000	709
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$55,602,880	174
1994-12-31 (YTD Data)		Rank
Total interest income	$354,904,000	155
Total interest expense	$98,062,000	223
Net interest income	$256,842,000	117
Provision for loan and lease losses	$50,270,000	48
Total noninterest income	$54,304,000	212
Gross Fiduciary activities income	$3,751,000	263
Service charges on deposit accounts	$12,674,000	182
Trading account gains and fees	$50,000	280
Additional Noninterest Income	$37,829,000	192
Total noninterest expense	$164,844,000	165
Salaries and employee benefits	$47,234,000	200
Premises and equipment expense	$14,839,000	207
Additional noninterest expense	$102,771,000	133
Pre-tax net operating income	$96,032,000	150
Securities gains (losses)	$-19,474,000	12,588
Applicable income taxes	$23,121,000	189
Income before extraordinary items	$53,437,000	174
Extraordinary gains, net	$0	249
Net income	$53,437,000	174
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$48,780,000	53
Cash dividends	$68,436,000	83
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$67,068,800	145
1993-12-31 (YTD Data)		Rank
Total interest income	$322,172,000	148
Total interest expense	$67,943,000	285
Net interest income	$254,229,000	112
Provision for loan and lease losses	$56,948,000	63
Total noninterest income	$39,494,000	253
Gross Fiduciary activities income	$3,621,000	270
Service charges on deposit accounts	$12,621,000	182
Trading account gains and fees	$45,000	331
Additional Noninterest Income	$23,207,000	240
Total noninterest expense	$152,862,000	171
Salaries and employee benefits	$38,902,000	228
Premises and equipment expense	$12,509,000	239
Additional noninterest expense	$101,451,000	128
Pre-tax net operating income	$83,913,000	144
Securities gains (losses)	$56,000	3,232
Applicable income taxes	$24,920,000	153
Income before extraordinary items	$59,049,000	150
Extraordinary gains, net	$0	3,149
Net income	$59,049,000	148
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$49,416,000	80
Cash dividends	$31,800,000	126
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$59,009,800	144
1992-12-31 (YTD Data)		Rank
Total interest income	$316,370,000	162
Total interest expense	$90,643,000	273
Net interest income	$225,727,000	112
Provision for loan and lease losses	$64,648,000	84
Total noninterest income	$36,764,000	256
Gross Fiduciary activities income	$3,463,000	280
Service charges on deposit accounts	$12,111,000	180
Trading account gains and fees	$49,000	317
Additional Noninterest Income	$21,141,000	260
Total noninterest expense	$123,851,000	200
Salaries and employee benefits	$36,173,000	241
Premises and equipment expense	$11,285,000	265
Additional noninterest expense	$76,393,000	154
Pre-tax net operating income	$73,992,000	116
Securities gains (losses)	$-141,000	13,825
Applicable income taxes	$21,078,000	139
Income before extraordinary items	$52,773,000	128
Extraordinary gains, net	$0	1,422
Net income	$52,773,000	130
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$54,496,000	96
Cash dividends	$25,250,000	106
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$52,873,110	112

* 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.