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Citibank (New York State), Income and Expense

2003-06-30 (YTD Data)		Rank
Total interest income	$468,313,000	64
Total interest expense	$170,689,000	60
Net interest income	$297,624,000	68
Provision for loan and lease losses	$7,805,000	158
Total noninterest income	$66,031,000	139
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$2,868,000	308
Trading account gains and fees	$0	150
Additional Noninterest Income	$63,163,000	107
Total noninterest expense	$147,890,000	114
Salaries and employee benefits	$49,122,000	129
Premises and equipment expense	$5,898,000	235
Additional noninterest expense	$92,870,000	84
Pre-tax net operating income	$207,960,000	63
Securities gains (losses)	$0	3,782
Applicable income taxes	$89,512,000	57
Income before extraordinary items	$118,448,000	74
Extraordinary gains, net	$0	30
Net income	$118,448,000	74
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,856,000	156
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$118,448,000	71
2003-03-31 (YTD Data)		Rank
Total interest income	$233,263,000	65
Total interest expense	$86,209,000	60
Net interest income	$147,054,000	67
Provision for loan and lease losses	$2,982,000	196
Total noninterest income	$36,119,000	131
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$1,410,000	310
Trading account gains and fees	$0	134
Additional Noninterest Income	$34,709,000	102
Total noninterest expense	$71,454,000	117
Salaries and employee benefits	$24,412,000	131
Premises and equipment expense	$2,939,000	244
Additional noninterest expense	$44,103,000	85
Pre-tax net operating income	$108,737,000	61
Securities gains (losses)	$0	2,891
Applicable income taxes	$47,018,000	55
Income before extraordinary items	$61,719,000	72
Extraordinary gains, net	$0	21
Net income	$61,719,000	72
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,732,000	178
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$61,719,000	72
2002-12-31 (YTD Data)		Rank
Total interest income	$1,025,596,000	60
Total interest expense	$502,188,000	50
Net interest income	$523,408,000	69
Provision for loan and lease losses	$15,727,000	189
Total noninterest income	$143,613,000	125
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$5,608,000	305
Trading account gains and fees	$0	153
Additional Noninterest Income	$138,005,000	96
Total noninterest expense	$279,284,000	114
Salaries and employee benefits	$93,852,000	127
Premises and equipment expense	$13,703,000	209
Additional noninterest expense	$171,729,000	86
Pre-tax net operating income	$372,010,000	68
Securities gains (losses)	$0	4,537
Applicable income taxes	$155,187,000	61
Income before extraordinary items	$216,823,000	75
Extraordinary gains, net	$0	70
Net income	$216,823,000	75
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,827,000	172
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$216,823,000	73
2001-12-31 (YTD Data)		Rank
Total interest income	$1,210,967,000	61
Total interest expense	$763,616,000	51
Net interest income	$447,351,000	79
Provision for loan and lease losses	$7,474,000	271
Total noninterest income	$153,549,000	124
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$5,612,000	290
Trading account gains and fees	$0	177
Additional Noninterest Income	$147,937,000	103
Total noninterest expense	$277,594,000	111
Salaries and employee benefits	$96,005,000	118
Premises and equipment expense	$13,944,000	187
Additional noninterest expense	$167,645,000	97
Pre-tax net operating income	$315,832,000	67
Securities gains (losses)	$0	4,612
Applicable income taxes	$128,040,000	61
Income before extraordinary items	$187,792,000	72
Extraordinary gains, net	$12,000	92
Net income	$187,804,000	71
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,763,000	203
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$187,792,000	69
2000-12-31 (YTD Data)		Rank
Total interest income	$1,164,773,000	70
Total interest expense	$800,398,000	58
Net interest income	$364,375,000	98
Provision for loan and lease losses	$10,201,000	200
Total noninterest income	$161,743,000	122
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$5,744,000	262
Trading account gains and fees	$0	180
Additional Noninterest Income	$155,999,000	96
Total noninterest expense	$253,385,000	125
Salaries and employee benefits	$90,236,000	127
Premises and equipment expense	$15,759,000	178
Additional noninterest expense	$147,390,000	110
Pre-tax net operating income	$262,532,000	70
Securities gains (losses)	$0	1,956
Applicable income taxes	$109,274,000	61
Income before extraordinary items	$153,258,000	74
Extraordinary gains, net	$0	38
Net income	$153,258,000	74
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,537,000	195
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$153,258,000	78
1999-12-31 (YTD Data)		Rank
Total interest income	$782,123,000	84
Total interest expense	$441,261,000	77
Net interest income	$340,862,000	98
Provision for loan and lease losses	$10,276,000	197
Total noninterest income	$151,485,000	126
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$5,000,000	292
Trading account gains and fees	$0	173
Additional Noninterest Income	$146,485,000	95
Total noninterest expense	$237,610,000	129
Salaries and employee benefits	$90,714,000	119
Premises and equipment expense	$10,276,000	241
Additional noninterest expense	$136,620,000	107
Pre-tax net operating income	$244,461,000	80
Securities gains (losses)	$0	3,155
Applicable income taxes	$103,435,000	76
Income before extraordinary items	$141,026,000	88
Extraordinary gains, net	$0	35
Net income	$141,026,000	89
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,876,000	206
Cash dividends	$50,000,000	145
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$141,026,000	85
1998-12-31 (YTD Data)		Rank
Total interest income	$717,485,000	88
Total interest expense	$401,224,000	82
Net interest income	$316,261,000	99
Provision for loan and lease losses	$11,723,000	203
Total noninterest income	$136,906,000	133
Gross Fiduciary activities income	$0	1,398
Service charges on deposit accounts	$4,274,000	311
Trading account gains and fees	$0	224
Additional Noninterest Income	$132,632,000	104
Total noninterest expense	$249,250,000	117
Salaries and employee benefits	$106,252,000	106
Premises and equipment expense	$17,898,000	163
Additional noninterest expense	$125,100,000	124
Pre-tax net operating income	$192,194,000	89
Securities gains (losses)	$0	4,449
Applicable income taxes	$82,064,000	83
Income before extraordinary items	$110,130,000	98
Extraordinary gains, net	$0	32
Net income	$110,130,000	99
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,367,000	155
Cash dividends	$75,000,000	109
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$110,130,000	92
1997-12-31 (YTD Data)		Rank
Total interest income	$660,573,000	91
Total interest expense	$380,005,000	83
Net interest income	$280,568,000	107
Provision for loan and lease losses	$12,056,000	184
Total noninterest income	$156,583,000	105
Gross Fiduciary activities income	$0	1,450
Service charges on deposit accounts	$4,077,000	333
Trading account gains and fees	$0	239
Additional Noninterest Income	$152,506,000	79
Total noninterest expense	$302,489,000	94
Salaries and employee benefits	$138,015,000	82
Premises and equipment expense	$34,720,000	98
Additional noninterest expense	$129,754,000	111
Pre-tax net operating income	$122,606,000	123
Securities gains (losses)	$0	3,944
Applicable income taxes	$49,408,000	116
Income before extraordinary items	$73,198,000	140
Extraordinary gains, net	$0	44
Net income	$73,198,000	140
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,612,000	162
Cash dividends	$100,000,000	81
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$73,198,000	133
1996-12-31 (YTD Data)		Rank
Total interest income	$619,588,000	109
Total interest expense	$335,407,000	99
Net interest income	$284,181,000	116
Provision for loan and lease losses	$11,555,000	184
Total noninterest income	$138,326,000	115
Gross Fiduciary activities income	$0	1,526
Service charges on deposit accounts	$3,821,000	394
Trading account gains and fees	$0	262
Additional Noninterest Income	$134,505,000	86
Total noninterest expense	$203,227,000	142
Salaries and employee benefits	$83,767,000	125
Premises and equipment expense	$23,156,000	151
Additional noninterest expense	$96,304,000	153
Pre-tax net operating income	$207,725,000	78
Securities gains (losses)	$0	4,148
Applicable income taxes	$88,121,000	59
Income before extraordinary items	$119,604,000	89
Extraordinary gains, net	$0	53
Net income	$119,604,000	88
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,809,000	190
Cash dividends	$100,000,000	86
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$119,604,000	86
1995-12-31 (YTD Data)		Rank
Total interest income	$580,290,000	107
Total interest expense	$280,433,000	110
Net interest income	$299,857,000	109
Provision for loan and lease losses	$7,249,000	244
Total noninterest income	$100,617,000	146
Gross Fiduciary activities income	$0	1,590
Service charges on deposit accounts	$4,532,000	364
Trading account gains and fees	$0	522
Additional Noninterest Income	$96,085,000	103
Total noninterest expense	$209,221,000	139
Salaries and employee benefits	$73,362,000	141
Premises and equipment expense	$22,995,000	153
Additional noninterest expense	$112,864,000	121
Pre-tax net operating income	$184,004,000	81
Securities gains (losses)	$3,541,000	84
Applicable income taxes	$69,307,000	72
Income before extraordinary items	$118,238,000	85
Extraordinary gains, net	$0	65
Net income	$118,238,000	85
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,344,000	203
Cash dividends	$100,000,000	66
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$115,971,760	83
1994-12-31 (YTD Data)		Rank
Total interest income	$459,323,000	115
Total interest expense	$144,063,000	160
Net interest income	$315,260,000	91
Provision for loan and lease losses	$9,600,000	193
Total noninterest income	$157,890,000	90
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$4,511,000	351
Trading account gains and fees	$0	475
Additional Noninterest Income	$153,379,000	54
Total noninterest expense	$257,152,000	107
Salaries and employee benefits	$60,080,000	165
Premises and equipment expense	$19,827,000	171
Additional noninterest expense	$177,245,000	78
Pre-tax net operating income	$206,398,000	64
Securities gains (losses)	$0	3,600
Applicable income taxes	$85,493,000	50
Income before extraordinary items	$120,905,000	74
Extraordinary gains, net	$-1,851,000	12,592
Net income	$119,054,000	75
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,196,000	152
Cash dividends	$100,000,000	57
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$120,905,000	74
1993-12-31 (YTD Data)		Rank
Total interest income	$417,745,000	118
Total interest expense	$86,227,000	229
Net interest income	$331,518,000	82
Provision for loan and lease losses	$14,821,000	206
Total noninterest income	$136,961,000	98
Gross Fiduciary activities income	$0	1,630
Service charges on deposit accounts	$5,046,000	313
Trading account gains and fees	$0	532
Additional Noninterest Income	$131,915,000	62
Total noninterest expense	$275,996,000	94
Salaries and employee benefits	$57,424,000	161
Premises and equipment expense	$24,661,000	131
Additional noninterest expense	$193,911,000	65
Pre-tax net operating income	$177,662,000	59
Securities gains (losses)	$0	7,477
Applicable income taxes	$75,106,000	48
Income before extraordinary items	$102,556,000	85
Extraordinary gains, net	$-5,061,000	13,259
Net income	$97,495,000	95
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$17,569,000	174
Cash dividends	$120,000,000	37
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$102,556,000	75
1992-12-31 (YTD Data)		Rank
Total interest income	$458,307,000	107
Total interest expense	$129,146,000	195
Net interest income	$329,161,000	74
Provision for loan and lease losses	$16,921,000	239
Total noninterest income	$160,968,000	74
Gross Fiduciary activities income	$0	1,658
Service charges on deposit accounts	$3,499,000	419
Trading account gains and fees	$0	504
Additional Noninterest Income	$157,469,000	42
Total noninterest expense	$258,847,000	97
Salaries and employee benefits	$73,625,000	124
Premises and equipment expense	$46,007,000	67
Additional noninterest expense	$139,215,000	83
Pre-tax net operating income	$214,361,000	37
Securities gains (losses)	$0	8,369
Applicable income taxes	$92,997,000	26
Income before extraordinary items	$121,364,000	46
Extraordinary gains, net	$0	1,422
Net income	$121,364,000	48
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,657,000	212
Cash dividends	$290,000,000	4
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$121,364,000	43

* 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.