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Bank One, Texas, Income and Expense

2000-12-31 (YTD Data)		Rank
Total interest income	$2,249,803,000	41
Total interest expense	$1,110,412,000	44
Net interest income	$1,139,391,000	35
Provision for loan and lease losses	$563,882,000	13
Total noninterest income	$338,628,000	73
Gross Fiduciary activities income	$40,592,000	56
Service charges on deposit accounts	$200,646,000	20
Trading account gains and fees	$2,046,000	62
Additional Noninterest Income	$95,344,000	124
Total noninterest expense	$746,018,000	55
Salaries and employee benefits	$204,684,000	66
Premises and equipment expense	$90,443,000	54
Additional noninterest expense	$450,891,000	48
Pre-tax net operating income	$168,119,000	100
Securities gains (losses)	$-21,024,000	9,877
Applicable income taxes	$5,292,000	532
Income before extraordinary items	$141,803,000	77
Extraordinary gains, net	$0	38
Net income	$141,803,000	77
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$173,336,000	28
Cash dividends	$360,000,000	29
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$161,986,040	72
1999-12-31 (YTD Data)		Rank
Total interest income	$1,819,902,000	43
Total interest expense	$821,655,000	43
Net interest income	$998,247,000	36
Provision for loan and lease losses	$133,786,000	33
Total noninterest income	$445,969,000	60
Gross Fiduciary activities income	$46,789,000	57
Service charges on deposit accounts	$206,916,000	16
Trading account gains and fees	$8,617,000	42
Additional Noninterest Income	$183,647,000	87
Total noninterest expense	$780,494,000	49
Salaries and employee benefits	$217,178,000	61
Premises and equipment expense	$55,438,000	73
Additional noninterest expense	$507,878,000	36
Pre-tax net operating income	$529,936,000	47
Securities gains (losses)	$453,000	360
Applicable income taxes	$178,893,000	46
Income before extraordinary items	$351,496,000	44
Extraordinary gains, net	$0	35
Net income	$351,496,000	45
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$143,088,000	29
Cash dividends	$170,000,000	61
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$351,197,020	46
1998-12-31 (YTD Data)		Rank
Total interest income	$1,672,150,000	42
Total interest expense	$775,973,000	45
Net interest income	$896,177,000	37
Provision for loan and lease losses	$137,129,000	36
Total noninterest income	$497,565,000	44
Gross Fiduciary activities income	$38,296,000	65
Service charges on deposit accounts	$205,895,000	14
Trading account gains and fees	$12,733,000	35
Additional Noninterest Income	$240,641,000	71
Total noninterest expense	$832,628,000	40
Salaries and employee benefits	$221,425,000	60
Premises and equipment expense	$61,605,000	67
Additional noninterest expense	$549,598,000	31
Pre-tax net operating income	$423,985,000	47
Securities gains (losses)	$5,725,000	115
Applicable income taxes	$124,611,000	60
Income before extraordinary items	$305,099,000	44
Extraordinary gains, net	$0	32
Net income	$305,099,000	45
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$99,772,000	45
Cash dividends	$245,000,000	42
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$301,034,250	45
1997-12-31 (YTD Data)		Rank
Total interest income	$1,582,743,000	42
Total interest expense	$717,004,000	42
Net interest income	$865,739,000	38
Provision for loan and lease losses	$129,365,000	38
Total noninterest income	$389,424,000	50
Gross Fiduciary activities income	$37,202,000	63
Service charges on deposit accounts	$200,973,000	17
Trading account gains and fees	$8,384,000	41
Additional Noninterest Income	$142,865,000	83
Total noninterest expense	$796,842,000	32
Salaries and employee benefits	$212,940,000	53
Premises and equipment expense	$62,142,000	57
Additional noninterest expense	$521,760,000	29
Pre-tax net operating income	$328,956,000	54
Securities gains (losses)	$17,990,000	30
Applicable income taxes	$109,176,000	59
Income before extraordinary items	$237,770,000	53
Extraordinary gains, net	$0	44
Net income	$237,770,000	53
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$115,601,000	41
Cash dividends	$318,000,000	27
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$225,356,900	54
1996-12-31 (YTD Data)		Rank
Total interest income	$1,386,495,000	35
Total interest expense	$593,154,000	45
Net interest income	$793,341,000	35
Provision for loan and lease losses	$122,017,000	37
Total noninterest income	$355,686,000	48
Gross Fiduciary activities income	$31,841,000	68
Service charges on deposit accounts	$185,155,000	14
Trading account gains and fees	$2,607,000	66
Additional Noninterest Income	$136,083,000	83
Total noninterest expense	$632,858,000	47
Salaries and employee benefits	$168,527,000	62
Premises and equipment expense	$64,498,000	57
Additional noninterest expense	$399,833,000	36
Pre-tax net operating income	$394,152,000	37
Securities gains (losses)	$14,540,000	31
Applicable income taxes	$131,871,000	37
Income before extraordinary items	$276,821,000	34
Extraordinary gains, net	$0	53
Net income	$276,821,000	33
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$87,889,000	40
Cash dividends	$133,156,000	66
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$266,933,800	34
1995-12-31 (YTD Data)		Rank
Total interest income	$1,260,840,000	41
Total interest expense	$567,410,000	46
Net interest income	$693,430,000	37
Provision for loan and lease losses	$62,625,000	40
Total noninterest income	$283,731,000	56
Gross Fiduciary activities income	$28,754,000	75
Service charges on deposit accounts	$166,470,000	12
Trading account gains and fees	$2,740,000	84
Additional Noninterest Income	$85,767,000	111
Total noninterest expense	$667,769,000	39
Salaries and employee benefits	$236,028,000	44
Premises and equipment expense	$77,594,000	39
Additional noninterest expense	$354,147,000	35
Pre-tax net operating income	$246,767,000	55
Securities gains (losses)	$-7,566,000	11,952
Applicable income taxes	$73,408,000	65
Income before extraordinary items	$165,793,000	52
Extraordinary gains, net	$0	65
Net income	$165,793,000	52
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$59,056,000	46
Cash dividends	$313,000,000	14
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$171,013,540	51
1994-12-31 (YTD Data)		Rank
Total interest income	$1,085,238,000	36
Total interest expense	$391,278,000	40
Net interest income	$693,960,000	33
Provision for loan and lease losses	$42,271,000	56
Total noninterest income	$243,098,000	59
Gross Fiduciary activities income	$26,865,000	79
Service charges on deposit accounts	$139,662,000	11
Trading account gains and fees	$2,542,000	69
Additional Noninterest Income	$74,029,000	111
Total noninterest expense	$628,728,000	38
Salaries and employee benefits	$249,274,000	38
Premises and equipment expense	$79,156,000	37
Additional noninterest expense	$300,298,000	41
Pre-tax net operating income	$266,059,000	46
Securities gains (losses)	$-15,771,000	12,585
Applicable income taxes	$73,242,000	63
Income before extraordinary items	$177,046,000	46
Extraordinary gains, net	$0	249
Net income	$177,046,000	47
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$48,071,000	55
Cash dividends	$86,000,000	65
Sale, conversion, retirement of capital stock, net	$108,000	792
Net operating income	$188,243,410	46
1993-12-31 (YTD Data)		Rank
Total interest income	$1,095,285,000	30
Total interest expense	$295,943,000	51
Net interest income	$799,342,000	22
Provision for loan and lease losses	$11,901,000	245
Total noninterest income	$235,392,000	58
Gross Fiduciary activities income	$26,483,000	82
Service charges on deposit accounts	$133,196,000	11
Trading account gains and fees	$2,674,000	91
Additional Noninterest Income	$73,039,000	98
Total noninterest expense	$652,194,000	35
Salaries and employee benefits	$250,458,000	35
Premises and equipment expense	$67,137,000	45
Additional noninterest expense	$334,599,000	29
Pre-tax net operating income	$370,639,000	27
Securities gains (losses)	$2,387,000	280
Applicable income taxes	$119,707,000	28
Income before extraordinary items	$253,319,000	28
Extraordinary gains, net	$0	3,149
Net income	$253,319,000	29
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$39,146,000	103
Cash dividends	$97,000,000	51
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$251,695,840	26
1992-12-31 (YTD Data)		Rank
Total interest income	$1,259,025,000	28
Total interest expense	$448,074,000	35
Net interest income	$810,951,000	20
Provision for loan and lease losses	$50,032,000	103
Total noninterest income	$226,561,000	50
Gross Fiduciary activities income	$25,461,000	84
Service charges on deposit accounts	$123,935,000	10
Trading account gains and fees	$6,277,000	60
Additional Noninterest Income	$70,888,000	100
Total noninterest expense	$704,247,000	21
Salaries and employee benefits	$297,824,000	23
Premises and equipment expense	$97,309,000	23
Additional noninterest expense	$309,114,000	32
Pre-tax net operating income	$283,233,000	23
Securities gains (losses)	$-3,000	12,949
Applicable income taxes	$94,939,000	23
Income before extraordinary items	$188,291,000	25
Extraordinary gains, net	$0	1,422
Net income	$188,291,000	28
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$64,440,000	86
Cash dividends	$125,000,000	23
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$188,292,980	22

* 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.