Home > Charter One Bank > Income and Expense

Charter One Bank, Income and Expense

2007-06-30 (YTD Data)		Rank
Total interest income	$1,160,711,000	41
Total interest expense	$694,401,000	35
Net interest income	$466,310,000	49
Provision for loan and lease losses	$61,296,000	40
Total noninterest income	$210,034,000	60
Gross Fiduciary activities income	$57,000	907
Service charges on deposit accounts	$93,434,000	26
Trading account gains and fees	$5,256,000	45
Additional Noninterest Income	$111,287,000	66
Total noninterest expense	$410,628,000	52
Salaries and employee benefits	$184,454,000	46
Premises and equipment expense	$75,439,000	37
Additional noninterest expense	$150,735,000	61
Pre-tax net operating income	$204,420,000	57
Securities gains (losses)	$-14,000	8,066
Applicable income taxes	$76,650,000	57
Income before extraordinary items	$127,756,000	63
Extraordinary gains, net	$0	29
Net income	$127,756,000	63
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$74,182,000	32
Cash dividends	$125,000,000	52
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$127,764,960	64
2007-03-31 (YTD Data)		Rank
Total interest income	$576,673,000	39
Total interest expense	$343,032,000	34
Net interest income	$233,641,000	49
Provision for loan and lease losses	$35,620,000	33
Total noninterest income	$101,494,000	60
Gross Fiduciary activities income	$24,000	945
Service charges on deposit accounts	$43,717,000	26
Trading account gains and fees	$2,312,000	48
Additional Noninterest Income	$55,441,000	61
Total noninterest expense	$221,726,000	50
Salaries and employee benefits	$93,224,000	46
Premises and equipment expense	$39,058,000	37
Additional noninterest expense	$89,444,000	53
Pre-tax net operating income	$77,789,000	74
Securities gains (losses)	$-14,000	8,315
Applicable income taxes	$26,657,000	78
Income before extraordinary items	$51,118,000	77
Extraordinary gains, net	$0	22
Net income	$51,118,000	78
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$28,588,000	36
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$51,127,240	74
2006-12-31 (YTD Data)		Rank
Total interest income	$2,203,966,000	36
Total interest expense	$1,266,616,000	32
Net interest income	$937,350,000	49
Provision for loan and lease losses	$48,301,000	57
Total noninterest income	$579,231,000	49
Gross Fiduciary activities income	$28,000	1,123
Service charges on deposit accounts	$196,040,000	25
Trading account gains and fees	$9,678,000	41
Additional Noninterest Income	$373,485,000	45
Total noninterest expense	$872,653,000	47
Salaries and employee benefits	$391,723,000	43
Premises and equipment expense	$145,701,000	35
Additional noninterest expense	$335,229,000	55
Pre-tax net operating income	$595,627,000	43
Securities gains (losses)	$-7,494,000	8,650
Applicable income taxes	$191,653,000	47
Income before extraordinary items	$396,480,000	45
Extraordinary gains, net	$0	51
Net income	$396,480,000	46
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$71,517,000	40
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$401,500,980	45
2006-09-30 (YTD Data)		Rank
Total interest income	$1,627,859,000	43
Total interest expense	$919,923,000	34
Net interest income	$707,936,000	56
Provision for loan and lease losses	$16,646,000	87
Total noninterest income	$391,098,000	57
Gross Fiduciary activities income	$22,000	1,097
Service charges on deposit accounts	$146,726,000	25
Trading account gains and fees	$6,645,000	45
Additional Noninterest Income	$237,705,000	60
Total noninterest expense	$654,668,000	54
Salaries and employee benefits	$289,353,000	47
Premises and equipment expense	$108,366,000	39
Additional noninterest expense	$256,949,000	59
Pre-tax net operating income	$427,720,000	53
Securities gains (losses)	$-9,198,000	8,727
Applicable income taxes	$149,249,000	52
Income before extraordinary items	$269,273,000	55
Extraordinary gains, net	$0	45
Net income	$269,273,000	56
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$47,131,000	46
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$275,159,720	53
2006-06-30 (YTD Data)		Rank
Total interest income	$1,049,434,000	43
Total interest expense	$583,683,000	35
Net interest income	$465,751,000	55
Provision for loan and lease losses	$2,468,000	234
Total noninterest income	$268,210,000	55
Gross Fiduciary activities income	$16,000	1,102
Service charges on deposit accounts	$95,090,000	26
Trading account gains and fees	$4,744,000	46
Additional Noninterest Income	$168,360,000	61
Total noninterest expense	$445,665,000	55
Salaries and employee benefits	$199,187,000	48
Premises and equipment expense	$72,142,000	39
Additional noninterest expense	$174,336,000	55
Pre-tax net operating income	$285,828,000	54
Securities gains (losses)	$-12,082,000	8,769
Applicable income taxes	$98,265,000	55
Income before extraordinary items	$175,481,000	57
Extraordinary gains, net	$0	39
Net income	$175,481,000	58
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$27,164,000	49
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$183,213,480	56
2006-03-31 (YTD Data)		Rank
Total interest income	$503,683,000	42
Total interest expense	$277,129,000	36
Net interest income	$226,554,000	53
Provision for loan and lease losses	$19,035,000	40
Total noninterest income	$96,926,000	69
Gross Fiduciary activities income	$5,000	1,164
Service charges on deposit accounts	$44,257,000	28
Trading account gains and fees	$2,026,000	44
Additional Noninterest Income	$50,638,000	75
Total noninterest expense	$211,220,000	56
Salaries and employee benefits	$99,569,000	46
Premises and equipment expense	$36,459,000	38
Additional noninterest expense	$75,192,000	66
Pre-tax net operating income	$93,225,000	74
Securities gains (losses)	$64,000	305
Applicable income taxes	$30,971,000	79
Income before extraordinary items	$62,318,000	74
Extraordinary gains, net	$0	21
Net income	$62,318,000	75
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,388,000	46
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$62,275,120	72
2005-12-31 (YTD Data)		Rank
Total interest income	$1,900,612,000	41
Total interest expense	$867,249,000	34
Net interest income	$1,033,363,000	42
Provision for loan and lease losses	$67,869,000	46
Total noninterest income	$580,569,000	51
Gross Fiduciary activities income	$49,000	1,047
Service charges on deposit accounts	$235,400,000	20
Trading account gains and fees	$5,608,000	48
Additional Noninterest Income	$339,512,000	57
Total noninterest expense	$1,188,056,000	42
Salaries and employee benefits	$406,422,000	43
Premises and equipment expense	$146,539,000	36
Additional noninterest expense	$635,095,000	33
Pre-tax net operating income	$358,007,000	76
Securities gains (losses)	$18,890,000	30
Applicable income taxes	$111,011,000	84
Income before extraordinary items	$265,886,000	71
Extraordinary gains, net	$0	46
Net income	$265,886,000	71
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$107,641,000	36
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$252,474,100	71
2005-09-30 (YTD Data)		Rank
Total interest income	$1,441,220,000	40
Total interest expense	$626,775,000	34
Net interest income	$814,445,000	42
Provision for loan and lease losses	$53,885,000	43
Total noninterest income	$435,895,000	52
Gross Fiduciary activities income	$42,000	1,019
Service charges on deposit accounts	$177,315,000	20
Trading account gains and fees	$0	126
Additional Noninterest Income	$258,538,000	54
Total noninterest expense	$928,400,000	41
Salaries and employee benefits	$313,425,000	43
Premises and equipment expense	$112,104,000	34
Additional noninterest expense	$502,871,000	31
Pre-tax net operating income	$268,055,000	76
Securities gains (losses)	$14,345,000	36
Applicable income taxes	$94,137,000	77
Income before extraordinary items	$188,263,000	74
Extraordinary gains, net	$0	35
Net income	$188,263,000	74
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$78,619,000	35
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$178,651,850	74
2005-06-30 (YTD Data)		Rank
Total interest income	$997,338,000	37
Total interest expense	$409,988,000	33
Net interest income	$587,350,000	39
Provision for loan and lease losses	$22,835,000	57
Total noninterest income	$298,467,000	51
Gross Fiduciary activities income	$28,000	1,025
Service charges on deposit accounts	$120,419,000	20
Trading account gains and fees	$0	116
Additional Noninterest Income	$178,020,000	52
Total noninterest expense	$647,115,000	39
Salaries and employee benefits	$214,169,000	41
Premises and equipment expense	$76,276,000	34
Additional noninterest expense	$356,670,000	29
Pre-tax net operating income	$215,866,000	65
Securities gains (losses)	$13,244,000	34
Applicable income taxes	$76,923,000	64
Income before extraordinary items	$152,187,000	64
Extraordinary gains, net	$0	30
Net income	$152,187,000	64
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$49,476,000	35
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$143,445,960	65
2005-03-31 (YTD Data)		Rank
Total interest income	$526,499,000	37
Total interest expense	$204,108,000	31
Net interest income	$322,391,000	38
Provision for loan and lease losses	$15,400,000	50
Total noninterest income	$132,913,000	56
Gross Fiduciary activities income	$18,000	999
Service charges on deposit accounts	$57,244,000	22
Trading account gains and fees	$0	115
Additional Noninterest Income	$75,651,000	61
Total noninterest expense	$338,475,000	37
Salaries and employee benefits	$112,736,000	39
Premises and equipment expense	$43,055,000	27
Additional noninterest expense	$182,684,000	27
Pre-tax net operating income	$101,429,000	66
Securities gains (losses)	$3,399,000	49
Applicable income taxes	$35,492,000	68
Income before extraordinary items	$69,336,000	67
Extraordinary gains, net	$0	24
Net income	$69,336,000	67
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$25,509,000	36
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$67,092,660	68
2004-12-31 (YTD Data)		Rank
Total interest income	$671,582,000	83
Total interest expense	$240,965,000	75
Net interest income	$430,617,000	86
Provision for loan and lease losses	$30,017,000	85
Total noninterest income	$180,073,000	112
Gross Fiduciary activities income	$62,000	1,030
Service charges on deposit accounts	$107,986,000	37
Trading account gains and fees	$0	138
Additional Noninterest Income	$72,025,000	143
Total noninterest expense	$396,970,000	87
Salaries and employee benefits	$144,662,000	92
Premises and equipment expense	$42,757,000	83
Additional noninterest expense	$209,551,000	75
Pre-tax net operating income	$183,703,000	110
Securities gains (losses)	$370,000	550
Applicable income taxes	$61,683,000	114
Income before extraordinary items	$122,390,000	118
Extraordinary gains, net	$0	34
Net income	$122,390,000	120
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$76,081,000	54
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$122,145,800	112
2004-09-30 (YTD Data)		Rank
Total interest income	$170,271,000	181
Total interest expense	$61,658,000	141
Net interest income	$108,613,000	200
Provision for loan and lease losses	$7,502,000	150
Total noninterest income	$42,875,000	209
Gross Fiduciary activities income	$25,000	1,111
Service charges on deposit accounts	$27,873,000	82
Trading account gains and fees	$0	134
Additional Noninterest Income	$14,977,000	297
Total noninterest expense	$97,190,000	193
Salaries and employee benefits	$34,607,000	215
Premises and equipment expense	$10,424,000	199
Additional noninterest expense	$52,159,000	159
Pre-tax net operating income	$46,796,000	227
Securities gains (losses)	$392,000	493
Applicable income taxes	$15,721,000	224
Income before extraordinary items	$31,467,000	229
Extraordinary gains, net	$0	26
Net income	$31,467,000	230
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$46,161,000	60
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$31,204,360	225
2004-06-30 (YTD Data)		Rank
Total interest income	$974,923,000	36
Total interest expense	$366,113,000	20
Net interest income	$608,810,000	39
Provision for loan and lease losses	$25,776,000	65
Total noninterest income	$274,430,000	54
Gross Fiduciary activities income	$184,000	654
Service charges on deposit accounts	$148,758,000	18
Trading account gains and fees	$0	130
Additional Noninterest Income	$125,488,000	74
Total noninterest expense	$600,204,000	39
Salaries and employee benefits	$201,264,000	44
Premises and equipment expense	$63,321,000	42
Additional noninterest expense	$335,619,000	32
Pre-tax net operating income	$257,260,000	61
Securities gains (losses)	$50,331,000	13
Applicable income taxes	$95,094,000	58
Income before extraordinary items	$212,497,000	52
Extraordinary gains, net	$0	21
Net income	$212,497,000	52
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$35,273,000	61
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$177,768,610	61
2004-03-31 (YTD Data)		Rank
Total interest income	$492,206,000	35
Total interest expense	$189,236,000	20
Net interest income	$302,970,000	38
Provision for loan and lease losses	$18,616,000	53
Total noninterest income	$94,515,000	71
Gross Fiduciary activities income	$92,000	658
Service charges on deposit accounts	$69,063,000	19
Trading account gains and fees	$0	121
Additional Noninterest Income	$25,360,000	114
Total noninterest expense	$381,141,000	26
Salaries and employee benefits	$100,589,000	46
Premises and equipment expense	$31,626,000	40
Additional noninterest expense	$248,926,000	21
Pre-tax net operating income	$-2,275,000	9,105
Securities gains (losses)	$72,486,000	7
Applicable income taxes	$21,039,000	101
Income before extraordinary items	$49,172,000	88
Extraordinary gains, net	$0	16
Net income	$49,172,000	89
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$17,507,000	57
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$-1,568,200	9,092
2003-12-31 (YTD Data)		Rank
Total interest income	$2,123,288,000	30
Total interest expense	$964,035,000	17
Net interest income	$1,159,253,000	41
Provision for loan and lease losses	$152,272,000	39
Total noninterest income	$424,700,000	70
Gross Fiduciary activities income	$249,000	756
Service charges on deposit accounts	$248,950,000	21
Trading account gains and fees	$0	160
Additional Noninterest Income	$175,501,000	89
Total noninterest expense	$798,182,000	54
Salaries and employee benefits	$366,096,000	47
Premises and equipment expense	$119,573,000	43
Additional noninterest expense	$312,513,000	61
Pre-tax net operating income	$633,499,000	51
Securities gains (losses)	$272,885,000	9
Applicable income taxes	$283,158,000	38
Income before extraordinary items	$623,226,000	37
Extraordinary gains, net	$0	54
Net income	$623,226,000	37
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$101,525,000	57
Cash dividends	$450,000,000	35
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$434,935,350	50
2003-09-30 (YTD Data)		Rank
Total interest income	$1,612,345,000	30
Total interest expense	$737,068,000	17
Net interest income	$875,277,000	40
Provision for loan and lease losses	$134,494,000	35
Total noninterest income	$309,385,000	71
Gross Fiduciary activities income	$186,000	753
Service charges on deposit accounts	$177,802,000	23
Trading account gains and fees	$0	153
Additional Noninterest Income	$131,397,000	87
Total noninterest expense	$583,782,000	53
Salaries and employee benefits	$266,338,000	47
Premises and equipment expense	$87,796,000	43
Additional noninterest expense	$229,648,000	62
Pre-tax net operating income	$466,386,000	50
Securities gains (losses)	$213,776,000	10
Applicable income taxes	$212,367,000	36
Income before extraordinary items	$467,795,000	35
Extraordinary gains, net	$0	40
Net income	$467,795,000	35
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$78,125,000	53
Cash dividends	$300,000,000	34
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$320,289,560	49
2003-06-30 (YTD Data)		Rank
Total interest income	$1,090,610,000	30
Total interest expense	$501,576,000	16
Net interest income	$589,034,000	40
Provision for loan and lease losses	$96,831,000	32
Total noninterest income	$146,214,000	87
Gross Fiduciary activities income	$110,000	785
Service charges on deposit accounts	$112,739,000	24
Trading account gains and fees	$0	150
Additional Noninterest Income	$33,365,000	158
Total noninterest expense	$373,784,000	54
Salaries and employee benefits	$174,304,000	50
Premises and equipment expense	$57,826,000	43
Additional noninterest expense	$141,654,000	66
Pre-tax net operating income	$264,633,000	54
Securities gains (losses)	$183,583,000	9
Applicable income taxes	$139,897,000	37
Income before extraordinary items	$308,319,000	37
Extraordinary gains, net	$0	30
Net income	$308,319,000	37
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$53,403,000	52
Cash dividends	$150,000,000	39
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$181,646,730	54
2003-03-31 (YTD Data)		Rank
Total interest income	$550,252,000	29
Total interest expense	$252,191,000	16
Net interest income	$298,061,000	39
Provision for loan and lease losses	$61,471,000	29
Total noninterest income	$81,282,000	80
Gross Fiduciary activities income	$63,000	757
Service charges on deposit accounts	$51,454,000	24
Trading account gains and fees	$0	134
Additional Noninterest Income	$29,765,000	112
Total noninterest expense	$188,457,000	53
Salaries and employee benefits	$85,839,000	50
Premises and equipment expense	$29,493,000	42
Additional noninterest expense	$73,125,000	60
Pre-tax net operating income	$129,415,000	55
Securities gains (losses)	$82,377,000	10
Applicable income taxes	$66,096,000	45
Income before extraordinary items	$145,696,000	40
Extraordinary gains, net	$0	21
Net income	$145,696,000	40
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$33,562,000	43
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$88,855,870	53
2002-12-31 (YTD Data)		Rank
Total interest income	$2,302,853,000	29
Total interest expense	$1,144,533,000	17
Net interest income	$1,158,320,000	38
Provision for loan and lease losses	$192,003,000	37
Total noninterest income	$326,360,000	75
Gross Fiduciary activities income	$258,000	756
Service charges on deposit accounts	$210,272,000	22
Trading account gains and fees	$0	153
Additional Noninterest Income	$115,830,000	114
Total noninterest expense	$729,451,000	53
Salaries and employee benefits	$315,540,000	49
Premises and equipment expense	$111,959,000	42
Additional noninterest expense	$301,952,000	60
Pre-tax net operating income	$563,226,000	48
Securities gains (losses)	$258,962,000	9
Applicable income taxes	$268,849,000	38
Income before extraordinary items	$553,339,000	37
Extraordinary gains, net	$0	70
Net income	$553,339,000	37
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$122,648,000	47
Cash dividends	$625,000,000	19
Sale, conversion, retirement of capital stock, net	$288,431,000	3
Net operating income	$379,834,460	47
2001-12-31 (YTD Data)		Rank
Total interest income	$2,321,309,000	35
Total interest expense	$1,414,448,000	25
Net interest income	$906,861,000	45
Provision for loan and lease losses	$100,766,000	68
Total noninterest income	$416,112,000	67
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	177
Additional Noninterest Income	$416,112,000	53
Total noninterest expense	$641,386,000	60
Salaries and employee benefits	$291,342,000	50
Premises and equipment expense	$124,545,000	39
Additional noninterest expense	$225,499,000	79
Pre-tax net operating income	$580,821,000	41
Securities gains (losses)	$118,334,000	17
Applicable income taxes	$232,449,000	38
Income before extraordinary items	$466,706,000	37
Extraordinary gains, net	$0	105
Net income	$466,706,000	37
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$65,127,000	82
Cash dividends	$389,300,000	30
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$387,422,220	41
2000-12-31 (YTD Data)		Rank
Total interest income	$2,201,580,000	42
Total interest expense	$1,364,981,000	33
Net interest income	$836,599,000	50
Provision for loan and lease losses	$54,206,000	86
Total noninterest income	$419,624,000	66
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	180
Additional Noninterest Income	$419,624,000	51
Total noninterest expense	$595,880,000	65
Salaries and employee benefits	$280,013,000	51
Premises and equipment expense	$115,666,000	43
Additional noninterest expense	$200,201,000	89
Pre-tax net operating income	$606,137,000	42
Securities gains (losses)	$4,910,000	52
Applicable income taxes	$205,965,000	40
Income before extraordinary items	$405,082,000	41
Extraordinary gains, net	$0	38
Net income	$405,082,000	41
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$61,416,000	69
Cash dividends	$400,000,000	26
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$401,841,400	43
1999-12-31 (YTD Data)		Rank
Total interest income	$2,087,967,000	34
Total interest expense	$1,208,122,000	26
Net interest income	$879,845,000	45
Provision for loan and lease losses	$35,350,000	96
Total noninterest income	$324,850,000	78
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	173
Additional Noninterest Income	$324,850,000	57
Total noninterest expense	$624,344,000	57
Salaries and employee benefits	$287,152,000	45
Premises and equipment expense	$119,898,000	40
Additional noninterest expense	$217,294,000	76
Pre-tax net operating income	$545,001,000	46
Securities gains (losses)	$-62,549,000	10,218
Applicable income taxes	$159,854,000	56
Income before extraordinary items	$322,598,000	50
Extraordinary gains, net	$-1,554,000	10,218
Net income	$321,044,000	50
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$38,523,000	85
Cash dividends	$412,900,000	25
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$364,505,830	43
1998-12-31 (YTD Data)		Rank
Total interest income	$1,706,498,000	41
Total interest expense	$1,038,932,000	29
Net interest income	$667,566,000	55
Provision for loan and lease losses	$28,874,000	109
Total noninterest income	$227,137,000	97
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	224
Additional Noninterest Income	$227,137,000	75
Total noninterest expense	$472,381,000	72
Salaries and employee benefits	$223,813,000	58
Premises and equipment expense	$81,673,000	54
Additional noninterest expense	$166,895,000	99
Pre-tax net operating income	$393,448,000	49
Securities gains (losses)	$30,257,000	28
Applicable income taxes	$141,857,000	49
Income before extraordinary items	$281,848,000	49
Extraordinary gains, net	$-55,819,000	10,464
Net income	$226,029,000	61
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$31,469,000	98
Cash dividends	$380,136,000	27
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$261,575,810	51
1997-12-31 (YTD Data)		Rank
Total interest income	$1,144,378,000	58
Total interest expense	$748,725,000	41
Net interest income	$395,653,000	82
Provision for loan and lease losses	$17,336,000	143
Total noninterest income	$91,953,000	153
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	239
Additional Noninterest Income	$91,953,000	117
Total noninterest expense	$277,487,000	103
Salaries and employee benefits	$120,352,000	94
Premises and equipment expense	$44,113,000	81
Additional noninterest expense	$113,022,000	126
Pre-tax net operating income	$192,783,000	79
Securities gains (losses)	$2,559,000	151
Applicable income taxes	$67,491,000	85
Income before extraordinary items	$127,851,000	79
Extraordinary gains, net	$0	44
Net income	$127,851,000	79
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,422,000	194
Cash dividends	$58,200,000	116
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$126,187,650	79
1996-12-31 (YTD Data)		Rank
Total interest income	$988,593,000	64
Total interest expense	$629,630,000	43
Net interest income	$358,963,000	93
Provision for loan and lease losses	$4,214,000	372
Total noninterest income	$73,922,000	186
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	262
Additional Noninterest Income	$73,922,000	134
Total noninterest expense	$236,757,000	131
Salaries and employee benefits	$87,053,000	124
Premises and equipment expense	$33,169,000	106
Additional noninterest expense	$116,535,000	129
Pre-tax net operating income	$191,914,000	83
Securities gains (losses)	$-537,000	11,373
Applicable income taxes	$64,741,000	89
Income before extraordinary items	$126,636,000	82
Extraordinary gains, net	$0	53
Net income	$126,636,000	81
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,682,000	481
Cash dividends	$208,000,000	35
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$126,990,420	80
1995-12-31 (YTD Data)		Rank
Total interest income	$607,570,000	100
Total interest expense	$382,501,000	80
Net interest income	$225,069,000	139
Provision for loan and lease losses	$2,717,000	475
Total noninterest income	$38,531,000	274
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	522
Additional Noninterest Income	$38,531,000	187
Total noninterest expense	$159,652,000	168
Salaries and employee benefits	$72,118,000	143
Premises and equipment expense	$25,686,000	134
Additional noninterest expense	$61,848,000	211
Pre-tax net operating income	$101,231,000	148
Securities gains (losses)	$-23,035,000	11,968
Applicable income taxes	$-859,000	11,896
Income before extraordinary items	$79,055,000	122
Extraordinary gains, net	$-76,207,000	11,971
Net income	$2,848,000	1,777
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$857,000	971
Cash dividends	$40,000,000	150
Sale, conversion, retirement of capital stock, net	NA	NA
Net operating income	$102,090,000	102
1994-12-31 (YTD Data)		Rank
Total interest income	$392,292,000	132
Total interest expense	$218,109,000	106
Net interest income	$174,183,000	180
Provision for loan and lease losses	$735,000	1,161
Total noninterest income	$28,181,000	316
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	475
Additional Noninterest Income	$28,181,000	224
Total noninterest expense	$102,128,000	237
Salaries and employee benefits	$42,121,000	218
Premises and equipment expense	$18,436,000	182
Additional noninterest expense	$41,571,000	265
Pre-tax net operating income	$99,501,000	139
Securities gains (losses)	$2,279,000	85
Applicable income taxes	$33,686,000	143
Income before extraordinary items	$68,094,000	147
Extraordinary gains, net	$0	249
Net income	$68,094,000	147
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000,000	863
Cash dividends	$25,000,000	179
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$66,567,070	146
1993-12-31 (YTD Data)		Rank
Total interest income	$356,691,000	136
Total interest expense	$187,408,000	103
Net interest income	$169,283,000	173
Provision for loan and lease losses	$5,149,000	426
Total noninterest income	$23,128,000	358
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$23,128,000	242
Total noninterest expense	$97,900,000	246
Salaries and employee benefits	$41,290,000	219
Premises and equipment expense	$18,826,000	175
Additional noninterest expense	$37,784,000	293
Pre-tax net operating income	$89,362,000	136
Securities gains (losses)	$4,314,000	170
Applicable income taxes	$24,945,000	151
Income before extraordinary items	$68,731,000	127
Extraordinary gains, net	$0	3,149
Net income	$68,731,000	127
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,258,000	683
Cash dividends	$10,000,000	279
Sale, conversion, retirement of capital stock, net	$55,198,000	29
Net operating income	$65,581,780	132
1992-12-31 (YTD Data)		Rank
Total interest income	$318,949,000	158
Total interest expense	$191,972,000	126
Net interest income	$126,977,000	209
Provision for loan and lease losses	$5,847,000	542
Total noninterest income	$18,468,000	408
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$18,468,000	292
Total noninterest expense	$80,898,000	284
Salaries and employee benefits	$32,198,000	263
Premises and equipment expense	$14,960,000	209
Additional noninterest expense	$33,740,000	312
Pre-tax net operating income	$58,700,000	142
Securities gains (losses)	$5,098,000	206
Applicable income taxes	$22,152,000	132
Income before extraordinary items	$41,646,000	156
Extraordinary gains, net	$-15,133,000	13,927
Net income	$26,513,000	225
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,134,000	599
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$-1,000	13,762
Net operating income	$38,332,300	151

* 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.