Home > Citibank USA > Income and Expense

Citibank USA, Income and Expense

2006-09-30 (YTD Data)		Rank
Total interest income	$422,543,000	121
Total interest expense	$162,126,000	130
Net interest income	$260,417,000	105
Provision for loan and lease losses	$102,860,000	29
Total noninterest income	$791,248,000	34
Gross Fiduciary activities income	$5,963,000	118
Service charges on deposit accounts	$0	7,682
Trading account gains and fees	$0	126
Additional Noninterest Income	$785,285,000	29
Total noninterest expense	$621,346,000	56
Salaries and employee benefits	$65,929,000	140
Premises and equipment expense	$2,583,000	749
Additional noninterest expense	$552,834,000	32
Pre-tax net operating income	$327,459,000	61
Securities gains (losses)	$0	1,388
Applicable income taxes	$114,513,000	62
Income before extraordinary items	$212,946,000	65
Extraordinary gains, net	$0	45
Net income	$212,946,000	66
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$102,839,000	27
Cash dividends	$125,000,000	66
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$212,946,000	63
2006-06-30 (YTD Data)		Rank
Total interest income	$267,723,000	126
Total interest expense	$102,973,000	135
Net interest income	$164,750,000	110
Provision for loan and lease losses	$67,489,000	27
Total noninterest income	$519,468,000	33
Gross Fiduciary activities income	$3,916,000	125
Service charges on deposit accounts	$0	7,707
Trading account gains and fees	$0	126
Additional Noninterest Income	$515,552,000	26
Total noninterest expense	$413,493,000	58
Salaries and employee benefits	$45,773,000	136
Premises and equipment expense	$1,795,000	735
Additional noninterest expense	$365,925,000	33
Pre-tax net operating income	$203,236,000	69
Securities gains (losses)	$0	1,185
Applicable income taxes	$71,029,000	71
Income before extraordinary items	$132,207,000	70
Extraordinary gains, net	$0	39
Net income	$132,207,000	71
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$67,515,000	26
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$132,207,000	69
2006-03-31 (YTD Data)		Rank
Total interest income	$134,187,000	123
Total interest expense	$48,037,000	138
Net interest income	$86,150,000	105
Provision for loan and lease losses	$34,522,000	22
Total noninterest income	$242,397,000	34
Gross Fiduciary activities income	$1,867,000	126
Service charges on deposit accounts	$0	7,698
Trading account gains and fees	$0	115
Additional Noninterest Income	$240,530,000	26
Total noninterest expense	$197,931,000	58
Salaries and employee benefits	$21,515,000	143
Premises and equipment expense	$734,000	870
Additional noninterest expense	$175,682,000	34
Pre-tax net operating income	$96,094,000	69
Securities gains (losses)	$0	955
Applicable income taxes	$33,503,000	72
Income before extraordinary items	$62,591,000	73
Extraordinary gains, net	$0	21
Net income	$62,591,000	74
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$34,507,000	26
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$62,591,000	71
2005-12-31 (YTD Data)		Rank
Total interest income	$478,855,000	115
Total interest expense	$119,938,000	158
Net interest income	$358,917,000	102
Provision for loan and lease losses	$129,396,000	32
Total noninterest income	$933,764,000	37
Gross Fiduciary activities income	$7,188,000	124
Service charges on deposit accounts	$0	7,759
Trading account gains and fees	$0	138
Additional Noninterest Income	$926,576,000	30
Total noninterest expense	$781,696,000	54
Salaries and employee benefits	$87,202,000	137
Premises and equipment expense	$2,470,000	973
Additional noninterest expense	$692,024,000	31
Pre-tax net operating income	$381,589,000	69
Securities gains (losses)	$0	2,296
Applicable income taxes	$134,491,000	75
Income before extraordinary items	$247,098,000	75
Extraordinary gains, net	$0	46
Net income	$247,098,000	75
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$130,877,000	30
Cash dividends	$700,000,000	20
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$247,098,000	72
2005-09-30 (YTD Data)		Rank
Total interest income	$388,972,000	106
Total interest expense	$75,404,000	168
Net interest income	$313,568,000	87
Provision for loan and lease losses	$93,363,000	30
Total noninterest income	$692,445,000	37
Gross Fiduciary activities income	$5,411,000	123
Service charges on deposit accounts	$0	7,794
Trading account gains and fees	$0	126
Additional Noninterest Income	$687,034,000	30
Total noninterest expense	$563,787,000	55
Salaries and employee benefits	$63,336,000	142
Premises and equipment expense	$1,817,000	980
Additional noninterest expense	$498,634,000	32
Pre-tax net operating income	$348,863,000	61
Securities gains (losses)	$0	2,317
Applicable income taxes	$121,826,000	62
Income before extraordinary items	$227,037,000	66
Extraordinary gains, net	$0	35
Net income	$227,037,000	66
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$93,856,000	29
Cash dividends	$550,000,000	21
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$227,037,000	65
2005-06-30 (YTD Data)		Rank
Total interest income	$255,820,000	106
Total interest expense	$44,169,000	178
Net interest income	$211,651,000	85
Provision for loan and lease losses	$62,446,000	24
Total noninterest income	$438,549,000	38
Gross Fiduciary activities income	$3,549,000	121
Service charges on deposit accounts	$0	7,790
Trading account gains and fees	$0	116
Additional Noninterest Income	$435,000,000	32
Total noninterest expense	$358,879,000	56
Salaries and employee benefits	$40,573,000	145
Premises and equipment expense	$1,077,000	1,112
Additional noninterest expense	$317,229,000	33
Pre-tax net operating income	$228,875,000	62
Securities gains (losses)	$0	2,146
Applicable income taxes	$79,645,000	62
Income before extraordinary items	$149,230,000	65
Extraordinary gains, net	$0	30
Net income	$149,230,000	65
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$62,446,000	30
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$149,230,000	64
2005-03-31 (YTD Data)		Rank
Total interest income	$127,456,000	109
Total interest expense	$20,550,000	178
Net interest income	$106,906,000	86
Provision for loan and lease losses	$31,259,000	27
Total noninterest income	$195,517,000	42
Gross Fiduciary activities income	$1,818,000	125
Service charges on deposit accounts	$0	7,845
Trading account gains and fees	$0	115
Additional Noninterest Income	$193,699,000	35
Total noninterest expense	$172,777,000	58
Salaries and employee benefits	$18,877,000	153
Premises and equipment expense	$756,000	790
Additional noninterest expense	$153,144,000	34
Pre-tax net operating income	$98,387,000	68
Securities gains (losses)	$0	1,685
Applicable income taxes	$33,686,000	71
Income before extraordinary items	$64,701,000	71
Extraordinary gains, net	$0	24
Net income	$64,701,000	71
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$31,259,000	32
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$64,701,000	69
2004-12-31 (YTD Data)		Rank
Total interest income	$421,519,000	117
Total interest expense	$59,055,000	187
Net interest income	$362,464,000	100
Provision for loan and lease losses	$115,580,000	37
Total noninterest income	$830,469,000	41
Gross Fiduciary activities income	$7,069,000	121
Service charges on deposit accounts	$276,000	4,510
Trading account gains and fees	$0	138
Additional Noninterest Income	$823,124,000	32
Total noninterest expense	$685,891,000	58
Salaries and employee benefits	$82,283,000	136
Premises and equipment expense	$4,254,000	538
Additional noninterest expense	$599,354,000	34
Pre-tax net operating income	$391,462,000	66
Securities gains (losses)	$0	3,819
Applicable income taxes	$139,485,000	67
Income before extraordinary items	$251,977,000	72
Extraordinary gains, net	$0	34
Net income	$251,977,000	72
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$115,580,000	38
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$251,977,000	68
2004-09-30 (YTD Data)		Rank
Total interest income	$298,368,000	125
Total interest expense	$39,420,000	204
Net interest income	$258,948,000	110
Provision for loan and lease losses	$85,442,000	38
Total noninterest income	$622,489,000	43
Gross Fiduciary activities income	$5,444,000	122
Service charges on deposit accounts	$214,000	4,460
Trading account gains and fees	$0	134
Additional Noninterest Income	$616,831,000	34
Total noninterest expense	$495,818,000	61
Salaries and employee benefits	$64,621,000	134
Premises and equipment expense	$3,613,000	493
Additional noninterest expense	$427,584,000	36
Pre-tax net operating income	$300,177,000	71
Securities gains (losses)	$0	3,710
Applicable income taxes	$107,039,000	70
Income before extraordinary items	$193,138,000	75
Extraordinary gains, net	$0	26
Net income	$193,138,000	74
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$85,442,000	41
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$193,138,000	73
2004-06-30 (YTD Data)		Rank
Total interest income	$191,066,000	128
Total interest expense	$24,875,000	206
Net interest income	$166,191,000	113
Provision for loan and lease losses	$59,349,000	37
Total noninterest income	$412,056,000	46
Gross Fiduciary activities income	$3,702,000	125
Service charges on deposit accounts	$142,000	4,457
Trading account gains and fees	$0	130
Additional Noninterest Income	$408,212,000	35
Total noninterest expense	$326,904,000	62
Salaries and employee benefits	$44,022,000	134
Premises and equipment expense	$2,954,000	406
Additional noninterest expense	$279,928,000	38
Pre-tax net operating income	$191,994,000	74
Securities gains (losses)	$0	3,413
Applicable income taxes	$68,416,000	74
Income before extraordinary items	$123,578,000	78
Extraordinary gains, net	$0	21
Net income	$123,578,000	79
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$59,349,000	41
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$123,578,000	75
2004-03-31 (YTD Data)		Rank
Total interest income	$98,929,000	124
Total interest expense	$12,606,000	204
Net interest income	$86,323,000	108
Provision for loan and lease losses	$30,517,000	36
Total noninterest income	$200,321,000	44
Gross Fiduciary activities income	$1,820,000	126
Service charges on deposit accounts	$76,000	4,234
Trading account gains and fees	$0	121
Additional Noninterest Income	$198,425,000	35
Total noninterest expense	$168,319,000	61
Salaries and employee benefits	$21,796,000	136
Premises and equipment expense	$1,829,000	334
Additional noninterest expense	$144,694,000	38
Pre-tax net operating income	$87,808,000	71
Securities gains (losses)	$0	2,934
Applicable income taxes	$31,228,000	77
Income before extraordinary items	$56,580,000	80
Extraordinary gains, net	$0	16
Net income	$56,580,000	81
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$30,517,000	38
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$56,580,000	72
2003-12-31 (YTD Data)		Rank
Total interest income	$283,484,000	155
Total interest expense	$57,774,000	196
Net interest income	$225,710,000	140
Provision for loan and lease losses	$129,503,000	45
Total noninterest income	$611,474,000	54
Gross Fiduciary activities income	$7,595,000	124
Service charges on deposit accounts	$368,000	3,831
Trading account gains and fees	$0	160
Additional Noninterest Income	$603,511,000	41
Total noninterest expense	$442,158,000	86
Salaries and employee benefits	$96,496,000	131
Premises and equipment expense	$5,836,000	410
Additional noninterest expense	$339,826,000	56
Pre-tax net operating income	$265,523,000	85
Securities gains (losses)	$5,000	3,903
Applicable income taxes	$73,334,000	106
Income before extraordinary items	$192,194,000	85
Extraordinary gains, net	$0	54
Net income	$192,194,000	86
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$115,767,000	52
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$192,190,400	83
2003-09-30 (YTD Data)		Rank
Total interest income	$208,659,000	159
Total interest expense	$43,409,000	205
Net interest income	$165,250,000	144
Provision for loan and lease losses	$101,097,000	45
Total noninterest income	$478,911,000	53
Gross Fiduciary activities income	$5,682,000	129
Service charges on deposit accounts	$287,000	3,758
Trading account gains and fees	$0	153
Additional Noninterest Income	$472,942,000	40
Total noninterest expense	$342,165,000	84
Salaries and employee benefits	$72,936,000	132
Premises and equipment expense	$3,898,000	457
Additional noninterest expense	$265,331,000	54
Pre-tax net operating income	$200,899,000	84
Securities gains (losses)	$5,000	3,620
Applicable income taxes	$69,215,000	86
Income before extraordinary items	$131,689,000	88
Extraordinary gains, net	$0	40
Net income	$131,689,000	88
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$85,875,000	48
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$131,685,700	85
2003-06-30 (YTD Data)		Rank
Total interest income	$135,076,000	160
Total interest expense	$28,963,000	209
Net interest income	$106,113,000	143
Provision for loan and lease losses	$76,410,000	41
Total noninterest income	$320,916,000	51
Gross Fiduciary activities income	$3,875,000	132
Service charges on deposit accounts	$138,000	4,480
Trading account gains and fees	$0	150
Additional Noninterest Income	$316,903,000	40
Total noninterest expense	$256,826,000	76
Salaries and employee benefits	$49,904,000	127
Premises and equipment expense	$2,712,000	449
Additional noninterest expense	$204,210,000	46
Pre-tax net operating income	$93,793,000	108
Securities gains (losses)	$5,000	3,210
Applicable income taxes	$31,424,000	118
Income before extraordinary items	$62,374,000	111
Extraordinary gains, net	$0	30
Net income	$62,374,000	111
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$60,841,000	46
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$62,370,700	108
2003-03-31 (YTD Data)		Rank
Total interest income	$69,962,000	160
Total interest expense	$14,492,000	219
Net interest income	$55,470,000	142
Provision for loan and lease losses	$29,910,000	50
Total noninterest income	$145,710,000	52
Gross Fiduciary activities income	$1,899,000	136
Service charges on deposit accounts	$108,000	3,351
Trading account gains and fees	$0	134
Additional Noninterest Income	$143,703,000	40
Total noninterest expense	$122,042,000	79
Salaries and employee benefits	$24,973,000	128
Premises and equipment expense	$937,000	618
Additional noninterest expense	$96,132,000	43
Pre-tax net operating income	$49,228,000	107
Securities gains (losses)	$0	2,891
Applicable income taxes	$16,592,000	117
Income before extraordinary items	$32,636,000	114
Extraordinary gains, net	$0	21
Net income	$32,636,000	114
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$29,728,000	48
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$32,636,000	104
2002-12-31 (YTD Data)		Rank
Total interest income	$250,601,000	181
Total interest expense	$66,581,000	223
Net interest income	$184,020,000	165
Provision for loan and lease losses	$110,191,000	56
Total noninterest income	$542,363,000	55
Gross Fiduciary activities income	$7,617,000	133
Service charges on deposit accounts	$1,070,000	1,509
Trading account gains and fees	$0	153
Additional Noninterest Income	$533,676,000	44
Total noninterest expense	$471,356,000	78
Salaries and employee benefits	$92,811,000	129
Premises and equipment expense	$7,128,000	349
Additional noninterest expense	$371,417,000	50
Pre-tax net operating income	$144,836,000	127
Securities gains (losses)	$-75,000	9,110
Applicable income taxes	$56,607,000	128
Income before extraordinary items	$88,154,000	147
Extraordinary gains, net	$0	70
Net income	$88,154,000	147
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$106,881,000	54
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$88,202,000	137
2001-12-31 (YTD Data)		Rank
Total interest income	$68,050,000	529
Total interest expense	$10,685,000	1,527
Net interest income	$57,365,000	370
Provision for loan and lease losses	$30,404,000	136
Total noninterest income	$35,731,000	274
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$0	8,399
Trading account gains and fees	$0	177
Additional Noninterest Income	$35,731,000	220
Total noninterest expense	$37,443,000	462
Salaries and employee benefits	$309,000	9,022
Premises and equipment expense	$0	9,580
Additional noninterest expense	$37,134,000	243
Pre-tax net operating income	$25,249,000	358
Securities gains (losses)	$0	4,612
Applicable income taxes	$9,745,000	338
Income before extraordinary items	$15,504,000	391
Extraordinary gains, net	$0	105
Net income	$15,504,000	391
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$32,128,000	113
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$15,504,000	377
2000-12-31 (YTD Data)		Rank
Total interest income	$79,332,000	499
Total interest expense	$14,092,000	1,234
Net interest income	$65,240,000	333
Provision for loan and lease losses	$28,774,000	130
Total noninterest income	$20,037,000	375
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$0	8,617
Trading account gains and fees	$0	180
Additional Noninterest Income	$20,037,000	289
Total noninterest expense	$25,860,000	614
Salaries and employee benefits	$795,000	6,752
Premises and equipment expense	$0	9,865
Additional noninterest expense	$25,065,000	304
Pre-tax net operating income	$30,643,000	328
Securities gains (losses)	$0	1,956
Applicable income taxes	$10,001,000	331
Income before extraordinary items	$20,642,000	327
Extraordinary gains, net	$0	38
Net income	$20,642,000	327
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,592,000	129
Cash dividends	$50,000,000	137
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$20,642,000	325
1999-12-31 (YTD Data)		Rank
Total interest income	$88,755,000	436
Total interest expense	$21,777,000	738
Net interest income	$66,978,000	335
Provision for loan and lease losses	$32,073,000	104
Total noninterest income	$12,215,000	553
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$0	8,885
Trading account gains and fees	$0	173
Additional Noninterest Income	$12,215,000	404
Total noninterest expense	$16,783,000	858
Salaries and employee benefits	$1,454,000	4,443
Premises and equipment expense	$3,000	10,182
Additional noninterest expense	$15,326,000	439
Pre-tax net operating income	$30,327,000	356
Securities gains (losses)	$0	3,155
Applicable income taxes	$16,075,000	276
Income before extraordinary items	$14,252,000	466
Extraordinary gains, net	$0	35
Net income	$14,252,000	466
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$17,921,000	138
Cash dividends	$101,000,000	85
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$14,252,000	461
1998-12-31 (YTD Data)		Rank
Total interest income	$221,092,000	210
Total interest expense	$57,099,000	346
Net interest income	$163,993,000	171
Provision for loan and lease losses	$88,890,000	48
Total noninterest income	$56,274,000	219
Gross Fiduciary activities income	$0	1,398
Service charges on deposit accounts	$0	9,085
Trading account gains and fees	$0	224
Additional Noninterest Income	$56,274,000	175
Total noninterest expense	$92,197,000	240
Salaries and employee benefits	$1,492,000	4,257
Premises and equipment expense	$7,000	10,403
Additional noninterest expense	$90,698,000	151
Pre-tax net operating income	$39,180,000	264
Securities gains (losses)	$0	4,449
Applicable income taxes	$14,168,000	267
Income before extraordinary items	$25,012,000	280
Extraordinary gains, net	$0	32
Net income	$25,012,000	281
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$97,477,000	46
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$25,012,000	272
1997-12-31 (YTD Data)		Rank
Total interest income	$288,729,000	183
Total interest expense	$70,185,000	300
Net interest income	$218,544,000	138
Provision for loan and lease losses	$124,144,000	39
Total noninterest income	$61,881,000	198
Gross Fiduciary activities income	$0	1,450
Service charges on deposit accounts	$0	9,486
Trading account gains and fees	$0	239
Additional Noninterest Income	$61,881,000	148
Total noninterest expense	$127,399,000	183
Salaries and employee benefits	$1,315,000	4,743
Premises and equipment expense	$6,000	10,870
Additional noninterest expense	$126,078,000	114
Pre-tax net operating income	$28,882,000	342
Securities gains (losses)	$0	3,944
Applicable income taxes	$10,645,000	342
Income before extraordinary items	$18,237,000	360
Extraordinary gains, net	$0	44
Net income	$18,237,000	361
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$132,815,000	37
Cash dividends	$25,000,000	190
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$18,237,000	346
1996-12-31 (YTD Data)		Rank
Total interest income	$253,140,000	224
Total interest expense	$72,550,000	324
Net interest income	$180,590,000	176
Provision for loan and lease losses	$132,695,000	33
Total noninterest income	$91,748,000	162
Gross Fiduciary activities income	$0	1,526
Service charges on deposit accounts	$0	9,915
Trading account gains and fees	$0	262
Additional Noninterest Income	$91,748,000	116
Total noninterest expense	$141,015,000	195
Salaries and employee benefits	$1,295,000	4,869
Premises and equipment expense	$10,000	11,381
Additional noninterest expense	$139,710,000	107
Pre-tax net operating income	$-1,372,000	11,377
Securities gains (losses)	$0	4,148
Applicable income taxes	$-480,000	11,352
Income before extraordinary items	$-892,000	11,351
Extraordinary gains, net	$0	53
Net income	$-892,000	11,351
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$108,325,000	34
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$-892,000	11,328
1995-12-31 (YTD Data)		Rank
Total interest income	$152,579,000	326
Total interest expense	$54,759,000	410
Net interest income	$97,820,000	277
Provision for loan and lease losses	$52,018,000	49
Total noninterest income	$116,472,000	127
Gross Fiduciary activities income	$0	1,590
Service charges on deposit accounts	$0	10,339
Trading account gains and fees	$0	522
Additional Noninterest Income	$116,472,000	83
Total noninterest expense	$120,488,000	212
Salaries and employee benefits	$1,291,000	4,885
Premises and equipment expense	$1,000	11,947
Additional noninterest expense	$119,196,000	111
Pre-tax net operating income	$41,786,000	294
Securities gains (losses)	$0	3,831
Applicable income taxes	$15,463,000	275
Income before extraordinary items	$26,323,000	297
Extraordinary gains, net	$0	65
Net income	$26,323,000	296
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$39,191,000	80
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$26,323,000	293
1994-12-31 (YTD Data)		Rank
Total interest income	$57,542,000	622
Total interest expense	$13,488,000	986
Net interest income	$44,054,000	487
Provision for loan and lease losses	$13,531,000	156
Total noninterest income	$63,813,000	191
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$0	10,872
Trading account gains and fees	$0	475
Additional Noninterest Income	$63,813,000	122
Total noninterest expense	$49,735,000	395
Salaries and employee benefits	$1,384,000	4,619
Premises and equipment expense	$2,000	12,577
Additional noninterest expense	$48,349,000	244
Pre-tax net operating income	$44,601,000	267
Securities gains (losses)	$1,000	3,293
Applicable income taxes	$17,230,000	233
Income before extraordinary items	$27,372,000	277
Extraordinary gains, net	$0	249
Net income	$27,372,000	275
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,819,000	272
Cash dividends	$14,800,000	266
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$27,371,360	282
1993-12-31 (YTD Data)		Rank
Total interest income	$37,791,000	875
Total interest expense	$8,645,000	1,548
Net interest income	$29,146,000	675
Provision for loan and lease losses	$9,228,000	292
Total noninterest income	$59,215,000	187
Gross Fiduciary activities income	$0	1,630
Service charges on deposit accounts	$0	11,351
Trading account gains and fees	$0	532
Additional Noninterest Income	$59,215,000	119
Total noninterest expense	$40,458,000	478
Salaries and employee benefits	$1,105,000	5,626
Premises and equipment expense	$1,000	13,258
Additional noninterest expense	$39,352,000	284
Pre-tax net operating income	$38,675,000	255
Securities gains (losses)	$0	7,477
Applicable income taxes	$14,630,000	233
Income before extraordinary items	$24,045,000	275
Extraordinary gains, net	$0	3,149
Net income	$24,045,000	288
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,517,000	385
Cash dividends	$25,000,000	154
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$24,045,000	264
1992-12-31 (YTD Data)		Rank
Total interest income	$46,470,000	836
Total interest expense	$13,624,000	1,298
Net interest income	$32,846,000	625
Provision for loan and lease losses	$7,170,000	472
Total noninterest income	$42,339,000	226
Gross Fiduciary activities income	$0	1,658
Service charges on deposit accounts	$0	11,764
Trading account gains and fees	$0	504
Additional Noninterest Income	$42,339,000	146
Total noninterest expense	$33,384,000	558
Salaries and employee benefits	$906,000	6,586
Premises and equipment expense	$1,000	13,905
Additional noninterest expense	$32,477,000	321
Pre-tax net operating income	$34,631,000	222
Securities gains (losses)	$0	8,369
Applicable income taxes	$12,594,000	224
Income before extraordinary items	$22,037,000	258
Extraordinary gains, net	$-36,000	13,556
Net income	$22,001,000	258
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,574,000	345
Cash dividends	$9,100,000	232
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$22,037,000	226

* 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.