Home > Bank One, Michigan > Income and Expense

Bank One, Michigan, Income and Expense

2001-12-31 (YTD Data)		Rank
Total interest income	$1,208,608,000	62
Total interest expense	$517,198,000	66
Net interest income	$691,410,000	59
Provision for loan and lease losses	$298,687,000	29
Total noninterest income	$295,094,000	84
Gross Fiduciary activities income	$365,000	675
Service charges on deposit accounts	$146,751,000	31
Trading account gains and fees	$4,686,000	51
Additional Noninterest Income	$143,292,000	108
Total noninterest expense	$520,314,000	74
Salaries and employee benefits	$222,563,000	63
Premises and equipment expense	$66,984,000	64
Additional noninterest expense	$230,767,000	76
Pre-tax net operating income	$167,503,000	103
Securities gains (losses)	$11,249,000	81
Applicable income taxes	$51,360,000	120
Income before extraordinary items	$127,392,000	100
Extraordinary gains, net	$0	105
Net income	$127,392,000	99
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$269,696,000	27
Cash dividends	$137,806,000	70
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$119,405,210	100
2000-12-31 (YTD Data)		Rank
Total interest income	$1,581,521,000	54
Total interest expense	$617,852,000	69
Net interest income	$963,669,000	43
Provision for loan and lease losses	$204,639,000	30
Total noninterest income	$255,464,000	93
Gross Fiduciary activities income	$996,000	422
Service charges on deposit accounts	$126,216,000	34
Trading account gains and fees	$15,285,000	32
Additional Noninterest Income	$112,967,000	115
Total noninterest expense	$609,280,000	62
Salaries and employee benefits	$225,015,000	60
Premises and equipment expense	$91,415,000	52
Additional noninterest expense	$292,850,000	65
Pre-tax net operating income	$405,214,000	53
Securities gains (losses)	$-26,044,000	9,881
Applicable income taxes	$127,560,000	56
Income before extraordinary items	$251,610,000	52
Extraordinary gains, net	$0	38
Net income	$251,610,000	52
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$86,531,000	52
Cash dividends	$290,000,000	37
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$268,799,040	51
1999-12-31 (YTD Data)		Rank
Total interest income	$1,505,616,000	49
Total interest expense	$575,706,000	63
Net interest income	$929,910,000	43
Provision for loan and lease losses	$45,417,000	78
Total noninterest income	$530,281,000	50
Gross Fiduciary activities income	$112,972,000	36
Service charges on deposit accounts	$120,471,000	33
Trading account gains and fees	$11,309,000	34
Additional Noninterest Income	$285,529,000	65
Total noninterest expense	$700,468,000	55
Salaries and employee benefits	$354,726,000	40
Premises and equipment expense	$113,983,000	42
Additional noninterest expense	$231,759,000	70
Pre-tax net operating income	$714,306,000	32
Securities gains (losses)	$8,107,000	48
Applicable income taxes	$254,617,000	35
Income before extraordinary items	$467,796,000	30
Extraordinary gains, net	$0	35
Net income	$467,796,000	30
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$49,213,000	72
Cash dividends	$435,000,000	23
Sale, conversion, retirement of capital stock, net	$8,246,000	115
Net operating income	$462,526,450	31
1998-12-31 (YTD Data)		Rank
Total interest income	$1,554,039,000	44
Total interest expense	$623,177,000	54
Net interest income	$930,862,000	34
Provision for loan and lease losses	$72,003,000	60
Total noninterest income	$536,405,000	40
Gross Fiduciary activities income	$114,508,000	35
Service charges on deposit accounts	$116,182,000	32
Trading account gains and fees	$9,479,000	42
Additional Noninterest Income	$296,236,000	51
Total noninterest expense	$887,466,000	37
Salaries and employee benefits	$434,580,000	30
Premises and equipment expense	$123,744,000	31
Additional noninterest expense	$329,142,000	50
Pre-tax net operating income	$507,798,000	40
Securities gains (losses)	$10,090,000	71
Applicable income taxes	$176,856,000	39
Income before extraordinary items	$341,032,000	39
Extraordinary gains, net	$0	32
Net income	$341,032,000	40
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$68,909,000	56
Cash dividends	$200,000,000	46
Sale, conversion, retirement of capital stock, net	$20,664,000	52
Net operating income	$334,372,600	40
1997-12-31 (YTD Data)		Rank
Total interest income	$1,658,827,000	36
Total interest expense	$680,971,000	45
Net interest income	$977,856,000	34
Provision for loan and lease losses	$60,866,000	69
Total noninterest income	$454,975,000	39
Gross Fiduciary activities income	$103,270,000	33
Service charges on deposit accounts	$114,234,000	28
Trading account gains and fees	$8,171,000	42
Additional Noninterest Income	$229,300,000	54
Total noninterest expense	$793,265,000	33
Salaries and employee benefits	$451,272,000	25
Premises and equipment expense	$121,683,000	30
Additional noninterest expense	$220,310,000	62
Pre-tax net operating income	$578,700,000	29
Securities gains (losses)	$18,855,000	28
Applicable income taxes	$204,661,000	27
Income before extraordinary items	$392,894,000	27
Extraordinary gains, net	$0	44
Net income	$392,894,000	27
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$58,820,000	64
Cash dividends	$375,000,000	22
Sale, conversion, retirement of capital stock, net	$9,877,000	94
Net operating income	$380,449,700	29
1996-12-31 (YTD Data)		Rank
Total interest income	$1,816,308,000	29
Total interest expense	$857,204,000	32
Net interest income	$959,104,000	26
Provision for loan and lease losses	$50,760,000	69
Total noninterest income	$393,793,000	44
Gross Fiduciary activities income	$117,340,000	21
Service charges on deposit accounts	$92,825,000	28
Trading account gains and fees	$14,662,000	28
Additional Noninterest Income	$168,966,000	64
Total noninterest expense	$747,771,000	33
Salaries and employee benefits	$451,518,000	21
Premises and equipment expense	$124,683,000	29
Additional noninterest expense	$171,570,000	86
Pre-tax net operating income	$554,366,000	24
Securities gains (losses)	$21,680,000	23
Applicable income taxes	$194,415,000	22
Income before extraordinary items	$381,631,000	24
Extraordinary gains, net	$0	53
Net income	$381,631,000	24
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$35,249,000	96
Cash dividends	$397,500,000	18
Sale, conversion, retirement of capital stock, net	$4,594,000	165
Net operating income	$367,322,200	24
1995-12-31 (YTD Data)		Rank
Total interest income	$2,265,669,000	19
Total interest expense	$1,287,331,000	17
Net interest income	$978,338,000	19
Provision for loan and lease losses	$71,426,000	36
Total noninterest income	$364,234,000	46
Gross Fiduciary activities income	$118,367,000	20
Service charges on deposit accounts	$90,053,000	26
Trading account gains and fees	$19,446,000	25
Additional Noninterest Income	$136,368,000	75
Total noninterest expense	$744,084,000	32
Salaries and employee benefits	$454,047,000	18
Premises and equipment expense	$118,238,000	28
Additional noninterest expense	$171,799,000	81
Pre-tax net operating income	$527,062,000	21
Securities gains (losses)	$-17,572,000	11,964
Applicable income taxes	$151,716,000	27
Income before extraordinary items	$357,774,000	18
Extraordinary gains, net	$0	65
Net income	$357,774,000	17
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$25,495,000	100
Cash dividends	$127,518,000	54
Sale, conversion, retirement of capital stock, net	$1,726,000	237
Net operating income	$370,074,400	18
1994-12-31 (YTD Data)		Rank
Total interest income	$1,835,718,000	17
Total interest expense	$894,160,000	18
Net interest income	$941,558,000	19
Provision for loan and lease losses	$17,980,000	125
Total noninterest income	$335,218,000	41
Gross Fiduciary activities income	$100,497,000	23
Service charges on deposit accounts	$92,286,000	21
Trading account gains and fees	$16,718,000	26
Additional Noninterest Income	$125,717,000	71
Total noninterest expense	$707,700,000	33
Salaries and employee benefits	$437,090,000	16
Premises and equipment expense	$110,130,000	24
Additional noninterest expense	$160,480,000	84
Pre-tax net operating income	$551,096,000	17
Securities gains (losses)	$-55,000	11,109
Applicable income taxes	$168,835,000	23
Income before extraordinary items	$382,206,000	17
Extraordinary gains, net	$-5,259,000	12,599
Net income	$376,947,000	18
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,540,000	236
Cash dividends	$162,865,000	31
Sale, conversion, retirement of capital stock, net	$597,000	518
Net operating income	$382,243,950	17
1993-12-31 (YTD Data)		Rank
Total interest income	$1,511,118,000	17
Total interest expense	$651,396,000	22
Net interest income	$859,722,000	19
Provision for loan and lease losses	$62,116,000	56
Total noninterest income	$322,888,000	40
Gross Fiduciary activities income	$94,388,000	22
Service charges on deposit accounts	$93,680,000	20
Trading account gains and fees	$16,884,000	30
Additional Noninterest Income	$117,936,000	68
Total noninterest expense	$680,785,000	32
Salaries and employee benefits	$404,977,000	14
Premises and equipment expense	$95,597,000	27
Additional noninterest expense	$180,211,000	72
Pre-tax net operating income	$439,709,000	19
Securities gains (losses)	$556,000	837
Applicable income taxes	$127,066,000	26
Income before extraordinary items	$313,199,000	18
Extraordinary gains, net	$4,521,000	73
Net income	$317,720,000	19
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$58,740,000	67
Cash dividends	$125,281,000	34
Sale, conversion, retirement of capital stock, net	$1,815,000	371
Net operating income	$312,804,240	17
1992-12-31 (YTD Data)		Rank
Total interest income	$1,587,959,000	18
Total interest expense	$770,669,000	24
Net interest income	$817,290,000	19
Provision for loan and lease losses	$97,110,000	53
Total noninterest income	$292,032,000	38
Gross Fiduciary activities income	$88,741,000	21
Service charges on deposit accounts	$89,318,000	17
Trading account gains and fees	$15,813,000	30
Additional Noninterest Income	$98,160,000	77
Total noninterest expense	$660,408,000	26
Salaries and employee benefits	$386,314,000	13
Premises and equipment expense	$95,562,000	24
Additional noninterest expense	$178,532,000	71
Pre-tax net operating income	$351,804,000	16
Securities gains (losses)	$734,000	816
Applicable income taxes	$91,635,000	27
Income before extraordinary items	$260,903,000	16
Extraordinary gains, net	$-25,709,000	13,932
Net income	$235,194,000	22
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$85,953,000	69
Cash dividends	$125,281,000	22
Sale, conversion, retirement of capital stock, net	$2,220,000	290
Net operating income	$260,359,840	14

* 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.