Home > Citizens Bank of Massachusetts > Income and Expense

Citizens Bank of Massachusetts, Income and Expense

2007-06-30 (YTD Data)		Rank
Total interest income	$1,021,295,000	50
Total interest expense	$473,221,000	50
Net interest income	$548,074,000	45
Provision for loan and lease losses	$69,772,000	38
Total noninterest income	$207,922,000	61
Gross Fiduciary activities income	$1,483,000	224
Service charges on deposit accounts	$76,792,000	29
Trading account gains and fees	$8,297,000	37
Additional Noninterest Income	$121,350,000	63
Total noninterest expense	$313,270,000	65
Salaries and employee benefits	$136,151,000	55
Premises and equipment expense	$64,750,000	43
Additional noninterest expense	$112,369,000	71
Pre-tax net operating income	$372,954,000	39
Securities gains (losses)	$87,000	433
Applicable income taxes	$154,242,000	37
Income before extraordinary items	$218,799,000	46
Extraordinary gains, net	$0	29
Net income	$218,799,000	46
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$61,105,000	37
Cash dividends	$150,000,000	43
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$218,743,320	44
2007-03-31 (YTD Data)		Rank
Total interest income	$496,314,000	48
Total interest expense	$225,402,000	51
Net interest income	$270,912,000	43
Provision for loan and lease losses	$43,369,000	31
Total noninterest income	$88,826,000	63
Gross Fiduciary activities income	$733,000	224
Service charges on deposit accounts	$37,372,000	29
Trading account gains and fees	$2,833,000	47
Additional Noninterest Income	$47,888,000	65
Total noninterest expense	$165,575,000	60
Salaries and employee benefits	$69,242,000	54
Premises and equipment expense	$33,086,000	41
Additional noninterest expense	$63,247,000	68
Pre-tax net operating income	$150,794,000	43
Securities gains (losses)	$65,000	377
Applicable income taxes	$52,474,000	45
Income before extraordinary items	$98,385,000	44
Extraordinary gains, net	$0	22
Net income	$98,385,000	44
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$36,233,000	30
Cash dividends	$75,000,000	37
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$98,342,750	42
2006-12-31 (YTD Data)		Rank
Total interest income	$1,910,512,000	47
Total interest expense	$854,638,000	48
Net interest income	$1,055,874,000	43
Provision for loan and lease losses	$69,328,000	44
Total noninterest income	$418,324,000	56
Gross Fiduciary activities income	$2,819,000	216
Service charges on deposit accounts	$140,564,000	29
Trading account gains and fees	$13,652,000	35
Additional Noninterest Income	$261,289,000	59
Total noninterest expense	$665,714,000	57
Salaries and employee benefits	$269,537,000	53
Premises and equipment expense	$125,282,000	38
Additional noninterest expense	$270,895,000	62
Pre-tax net operating income	$739,156,000	40
Securities gains (losses)	$-1,355,000	8,598
Applicable income taxes	$261,830,000	39
Income before extraordinary items	$475,971,000	40
Extraordinary gains, net	$0	51
Net income	$475,971,000	41
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$87,612,000	33
Cash dividends	$150,000,000	64
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$476,851,750	42
2006-09-30 (YTD Data)		Rank
Total interest income	$1,401,656,000	55
Total interest expense	$615,225,000	54
Net interest income	$786,431,000	49
Provision for loan and lease losses	$62,303,000	42
Total noninterest income	$328,645,000	63
Gross Fiduciary activities income	$2,062,000	224
Service charges on deposit accounts	$102,218,000	33
Trading account gains and fees	$11,050,000	37
Additional Noninterest Income	$213,315,000	63
Total noninterest expense	$491,673,000	65
Salaries and employee benefits	$200,573,000	57
Premises and equipment expense	$93,502,000	42
Additional noninterest expense	$197,598,000	71
Pre-tax net operating income	$561,100,000	46
Securities gains (losses)	$3,573,000	66
Applicable income taxes	$197,075,000	46
Income before extraordinary items	$367,598,000	46
Extraordinary gains, net	$0	45
Net income	$367,598,000	47
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$63,751,000	38
Cash dividends	$150,000,000	58
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$365,275,550	47
2006-06-30 (YTD Data)		Rank
Total interest income	$904,681,000	54
Total interest expense	$384,272,000	55
Net interest income	$520,409,000	49
Provision for loan and lease losses	$45,446,000	39
Total noninterest income	$229,491,000	64
Gross Fiduciary activities income	$1,369,000	231
Service charges on deposit accounts	$66,085,000	36
Trading account gains and fees	$7,394,000	38
Additional Noninterest Income	$154,643,000	63
Total noninterest expense	$327,675,000	66
Salaries and employee benefits	$139,237,000	58
Premises and equipment expense	$61,951,000	43
Additional noninterest expense	$126,487,000	71
Pre-tax net operating income	$376,779,000	46
Securities gains (losses)	$2,090,000	66
Applicable income taxes	$133,124,000	45
Income before extraordinary items	$245,745,000	46
Extraordinary gains, net	$0	39
Net income	$245,745,000	47
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$41,705,000	36
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$244,386,500	46
2006-03-31 (YTD Data)		Rank
Total interest income	$437,042,000	53
Total interest expense	$178,041,000	56
Net interest income	$259,001,000	46
Provision for loan and lease losses	$21,387,000	36
Total noninterest income	$95,928,000	70
Gross Fiduciary activities income	$689,000	229
Service charges on deposit accounts	$30,905,000	37
Trading account gains and fees	$4,595,000	33
Additional Noninterest Income	$59,739,000	66
Total noninterest expense	$166,080,000	66
Salaries and employee benefits	$73,702,000	56
Premises and equipment expense	$31,367,000	43
Additional noninterest expense	$61,011,000	73
Pre-tax net operating income	$167,462,000	48
Securities gains (losses)	$1,194,000	65
Applicable income taxes	$58,736,000	45
Income before extraordinary items	$109,920,000	48
Extraordinary gains, net	$0	21
Net income	$109,920,000	49
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$26,662,000	30
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$109,143,900	48
2005-12-31 (YTD Data)		Rank
Total interest income	$1,558,176,000	46
Total interest expense	$529,749,000	57
Net interest income	$1,028,427,000	43
Provision for loan and lease losses	$28,564,000	75
Total noninterest income	$341,090,000	76
Gross Fiduciary activities income	$1,955,000	276
Service charges on deposit accounts	$123,081,000	35
Trading account gains and fees	$10,143,000	39
Additional Noninterest Income	$205,911,000	70
Total noninterest expense	$660,592,000	61
Salaries and employee benefits	$290,056,000	51
Premises and equipment expense	$124,111,000	42
Additional noninterest expense	$246,425,000	70
Pre-tax net operating income	$680,361,000	47
Securities gains (losses)	$22,425,000	27
Applicable income taxes	$251,281,000	46
Income before extraordinary items	$451,505,000	48
Extraordinary gains, net	$0	46
Net income	$451,505,000	48
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$73,619,000	47
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$437,153,000	48
2005-09-30 (YTD Data)		Rank
Total interest income	$1,131,964,000	47
Total interest expense	$368,728,000	55
Net interest income	$763,236,000	44
Provision for loan and lease losses	$32,477,000	59
Total noninterest income	$249,561,000	77
Gross Fiduciary activities income	$1,366,000	283
Service charges on deposit accounts	$88,968,000	36
Trading account gains and fees	$0	126
Additional Noninterest Income	$159,227,000	71
Total noninterest expense	$477,265,000	64
Salaries and employee benefits	$216,545,000	52
Premises and equipment expense	$93,380,000	42
Additional noninterest expense	$167,340,000	75
Pre-tax net operating income	$503,055,000	50
Securities gains (losses)	$18,563,000	27
Applicable income taxes	$186,607,000	46
Income before extraordinary items	$335,011,000	49
Extraordinary gains, net	$0	35
Net income	$335,011,000	49
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$46,739,000	51
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$323,130,680	49
2005-06-30 (YTD Data)		Rank
Total interest income	$725,092,000	48
Total interest expense	$225,882,000	56
Net interest income	$499,210,000	44
Provision for loan and lease losses	$17,778,000	63
Total noninterest income	$165,888,000	75
Gross Fiduciary activities income	$919,000	279
Service charges on deposit accounts	$56,810,000	35
Trading account gains and fees	$0	116
Additional Noninterest Income	$108,159,000	68
Total noninterest expense	$305,566,000	64
Salaries and employee benefits	$149,204,000	50
Premises and equipment expense	$64,094,000	41
Additional noninterest expense	$92,268,000	79
Pre-tax net operating income	$341,754,000	48
Securities gains (losses)	$17,705,000	25
Applicable income taxes	$129,918,000	47
Income before extraordinary items	$229,541,000	48
Extraordinary gains, net	$0	30
Net income	$229,541,000	48
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$25,125,000	55
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$218,209,800	49
2005-03-31 (YTD Data)		Rank
Total interest income	$352,527,000	48
Total interest expense	$103,437,000	57
Net interest income	$249,090,000	45
Provision for loan and lease losses	$17,850,000	46
Total noninterest income	$75,027,000	79
Gross Fiduciary activities income	$434,000	295
Service charges on deposit accounts	$26,584,000	38
Trading account gains and fees	$0	115
Additional Noninterest Income	$48,009,000	77
Total noninterest expense	$156,597,000	64
Salaries and employee benefits	$79,623,000	51
Premises and equipment expense	$34,372,000	43
Additional noninterest expense	$42,602,000	85
Pre-tax net operating income	$149,670,000	53
Securities gains (losses)	$5,455,000	32
Applicable income taxes	$54,911,000	49
Income before extraordinary items	$100,214,000	50
Extraordinary gains, net	$0	24
Net income	$100,214,000	50
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,748,000	69
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$96,668,250	52
2004-12-31 (YTD Data)		Rank
Total interest income	$1,269,742,000	48
Total interest expense	$331,853,000	56
Net interest income	$937,889,000	45
Provision for loan and lease losses	$13,082,000	121
Total noninterest income	$303,743,000	77
Gross Fiduciary activities income	$1,232,000	335
Service charges on deposit accounts	$106,728,000	38
Trading account gains and fees	$0	138
Additional Noninterest Income	$195,783,000	75
Total noninterest expense	$588,813,000	67
Salaries and employee benefits	$294,494,000	53
Premises and equipment expense	$125,052,000	41
Additional noninterest expense	$169,267,000	86
Pre-tax net operating income	$639,737,000	50
Securities gains (losses)	$15,074,000	51
Applicable income taxes	$231,166,000	48
Income before extraordinary items	$423,645,000	48
Extraordinary gains, net	$0	34
Net income	$423,645,000	48
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$33,061,000	83
Cash dividends	$188,260,000	55
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$413,846,900	49
2004-09-30 (YTD Data)		Rank
Total interest income	$927,659,000	48
Total interest expense	$239,920,000	57
Net interest income	$687,739,000	46
Provision for loan and lease losses	$37,339,000	64
Total noninterest income	$228,015,000	80
Gross Fiduciary activities income	$864,000	358
Service charges on deposit accounts	$79,606,000	38
Trading account gains and fees	$0	134
Additional Noninterest Income	$147,545,000	79
Total noninterest expense	$434,556,000	72
Salaries and employee benefits	$219,445,000	53
Premises and equipment expense	$91,020,000	43
Additional noninterest expense	$124,091,000	90
Pre-tax net operating income	$443,859,000	56
Securities gains (losses)	$15,254,000	41
Applicable income taxes	$156,363,000	53
Income before extraordinary items	$302,750,000	53
Extraordinary gains, net	$0	26
Net income	$302,750,000	53
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,840,000	103
Cash dividends	$145,000,000	52
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$292,682,360	56
2004-06-30 (YTD Data)		Rank
Total interest income	$605,450,000	52
Total interest expense	$157,137,000	62
Net interest income	$448,313,000	50
Provision for loan and lease losses	$20,826,000	73
Total noninterest income	$151,453,000	86
Gross Fiduciary activities income	$535,000	370
Service charges on deposit accounts	$52,851,000	41
Trading account gains and fees	$0	130
Additional Noninterest Income	$98,067,000	85
Total noninterest expense	$282,739,000	75
Salaries and employee benefits	$144,235,000	59
Premises and equipment expense	$58,955,000	46
Additional noninterest expense	$79,549,000	92
Pre-tax net operating income	$296,201,000	55
Securities gains (losses)	$15,100,000	34
Applicable income taxes	$106,913,000	54
Income before extraordinary items	$204,388,000	54
Extraordinary gains, net	$0	21
Net income	$204,388,000	54
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,341,000	120
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$194,422,000	57
2004-03-31 (YTD Data)		Rank
Total interest income	$297,761,000	50
Total interest expense	$78,717,000	61
Net interest income	$219,044,000	49
Provision for loan and lease losses	$20,623,000	48
Total noninterest income	$66,659,000	91
Gross Fiduciary activities income	$264,000	371
Service charges on deposit accounts	$24,171,000	45
Trading account gains and fees	$0	121
Additional Noninterest Income	$42,224,000	90
Total noninterest expense	$136,662,000	74
Salaries and employee benefits	$70,574,000	57
Premises and equipment expense	$28,786,000	47
Additional noninterest expense	$37,302,000	94
Pre-tax net operating income	$128,418,000	58
Securities gains (losses)	$7,274,000	52
Applicable income taxes	$46,939,000	60
Income before extraordinary items	$88,753,000	63
Extraordinary gains, net	$0	16
Net income	$88,753,000	64
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,904,000	106
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$84,024,900	62
2003-12-31 (YTD Data)		Rank
Total interest income	$1,114,957,000	56
Total interest expense	$303,121,000	63
Net interest income	$811,836,000	53
Provision for loan and lease losses	$51,414,000	78
Total noninterest income	$249,086,000	94
Gross Fiduciary activities income	$1,033,000	375
Service charges on deposit accounts	$89,530,000	50
Trading account gains and fees	$0	160
Additional Noninterest Income	$158,523,000	94
Total noninterest expense	$554,052,000	73
Salaries and employee benefits	$272,335,000	59
Premises and equipment expense	$109,652,000	48
Additional noninterest expense	$172,065,000	89
Pre-tax net operating income	$455,456,000	64
Securities gains (losses)	$26,845,000	59
Applicable income taxes	$164,469,000	64
Income before extraordinary items	$317,832,000	64
Extraordinary gains, net	$0	54
Net income	$317,832,000	64
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$56,108,000	75
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$300,114,300	65
2003-09-30 (YTD Data)		Rank
Total interest income	$824,655,000	57
Total interest expense	$228,188,000	62
Net interest income	$596,467,000	54
Provision for loan and lease losses	$45,289,000	76
Total noninterest income	$179,938,000	95
Gross Fiduciary activities income	$767,000	387
Service charges on deposit accounts	$64,418,000	52
Trading account gains and fees	$0	153
Additional Noninterest Income	$114,753,000	95
Total noninterest expense	$395,869,000	74
Salaries and employee benefits	$196,764,000	62
Premises and equipment expense	$77,521,000	50
Additional noninterest expense	$121,584,000	92
Pre-tax net operating income	$335,247,000	62
Securities gains (losses)	$25,743,000	54
Applicable income taxes	$124,978,000	60
Income before extraordinary items	$236,012,000	63
Extraordinary gains, net	$0	40
Net income	$236,012,000	63
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$43,471,000	74
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$219,279,050	63
2003-06-30 (YTD Data)		Rank
Total interest income	$542,563,000	58
Total interest expense	$157,244,000	63
Net interest income	$385,319,000	54
Provision for loan and lease losses	$36,874,000	69
Total noninterest income	$115,957,000	98
Gross Fiduciary activities income	$549,000	377
Service charges on deposit accounts	$40,727,000	53
Trading account gains and fees	$0	150
Additional Noninterest Income	$74,681,000	96
Total noninterest expense	$252,652,000	78
Salaries and employee benefits	$128,935,000	63
Premises and equipment expense	$50,818,000	49
Additional noninterest expense	$72,899,000	99
Pre-tax net operating income	$211,750,000	62
Securities gains (losses)	$25,205,000	47
Applicable income taxes	$82,840,000	60
Income before extraordinary items	$154,115,000	63
Extraordinary gains, net	$0	30
Net income	$154,115,000	63
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$27,253,000	76
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$137,731,750	66
2003-03-31 (YTD Data)		Rank
Total interest income	$269,826,000	59
Total interest expense	$80,451,000	64
Net interest income	$189,375,000	57
Provision for loan and lease losses	$18,496,000	70
Total noninterest income	$55,073,000	102
Gross Fiduciary activities income	$326,000	348
Service charges on deposit accounts	$19,544,000	54
Trading account gains and fees	$0	134
Additional Noninterest Income	$35,203,000	99
Total noninterest expense	$125,808,000	76
Salaries and employee benefits	$65,102,000	64
Premises and equipment expense	$25,821,000	47
Additional noninterest expense	$34,885,000	100
Pre-tax net operating income	$100,144,000	67
Securities gains (losses)	$21,827,000	32
Applicable income taxes	$42,577,000	60
Income before extraordinary items	$79,394,000	63
Extraordinary gains, net	$0	21
Net income	$79,394,000	63
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,138,000	74
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$65,206,450	69
2002-12-31 (YTD Data)		Rank
Total interest income	$1,012,185,000	62
Total interest expense	$312,165,000	70
Net interest income	$700,020,000	60
Provision for loan and lease losses	$58,618,000	93
Total noninterest income	$233,118,000	93
Gross Fiduciary activities income	$1,179,000	376
Service charges on deposit accounts	$75,057,000	56
Trading account gains and fees	$0	153
Additional Noninterest Income	$156,882,000	88
Total noninterest expense	$486,616,000	76
Salaries and employee benefits	$255,484,000	58
Premises and equipment expense	$87,135,000	54
Additional noninterest expense	$143,997,000	104
Pre-tax net operating income	$387,904,000	65
Securities gains (losses)	$14,991,000	76
Applicable income taxes	$135,943,000	66
Income before extraordinary items	$266,952,000	65
Extraordinary gains, net	$0	70
Net income	$266,952,000	65
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$62,407,000	80
Cash dividends	$112,000,000	86
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$257,057,940	64
2001-12-31 (YTD Data)		Rank
Total interest income	$1,037,608,000	71
Total interest expense	$401,256,000	84
Net interest income	$636,352,000	65
Provision for loan and lease losses	$89,946,000	76
Total noninterest income	$214,831,000	101
Gross Fiduciary activities income	$1,151,000	391
Service charges on deposit accounts	$62,156,000	56
Trading account gains and fees	$0	177
Additional Noninterest Income	$151,524,000	97
Total noninterest expense	$479,309,000	82
Salaries and employee benefits	$200,251,000	69
Premises and equipment expense	$79,148,000	56
Additional noninterest expense	$199,910,000	84
Pre-tax net operating income	$281,928,000	71
Securities gains (losses)	$10,152,000	85
Applicable income taxes	$117,537,000	65
Income before extraordinary items	$174,543,000	74
Extraordinary gains, net	$137,000	58
Net income	$174,680,000	73
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$38,238,000	99
Cash dividends	$176,000,000	56
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$168,045,720	71
2000-12-31 (YTD Data)		Rank
Total interest income	$1,060,014,000	78
Total interest expense	$444,585,000	93
Net interest income	$615,429,000	62
Provision for loan and lease losses	$31,440,000	121
Total noninterest income	$154,281,000	129
Gross Fiduciary activities income	$1,134,000	398
Service charges on deposit accounts	$45,504,000	69
Trading account gains and fees	$0	180
Additional Noninterest Income	$107,643,000	120
Total noninterest expense	$511,095,000	74
Salaries and employee benefits	$197,039,000	68
Premises and equipment expense	$77,047,000	63
Additional noninterest expense	$237,009,000	77
Pre-tax net operating income	$227,175,000	78
Securities gains (losses)	$2,943,000	74
Applicable income taxes	$96,009,000	69
Income before extraordinary items	$134,109,000	79
Extraordinary gains, net	$0	38
Net income	$134,109,000	79
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$36,629,000	98
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$132,225,480	82
1999-12-31 (YTD Data)		Rank
Total interest income	$467,404,000	121
Total interest expense	$216,815,000	128
Net interest income	$250,589,000	123
Provision for loan and lease losses	$9,224,000	213
Total noninterest income	$54,787,000	218
Gross Fiduciary activities income	$921,000	480
Service charges on deposit accounts	$17,083,000	130
Trading account gains and fees	$0	173
Additional Noninterest Income	$36,783,000	212
Total noninterest expense	$188,968,000	148
Salaries and employee benefits	$43,845,000	197
Premises and equipment expense	$18,784,000	155
Additional noninterest expense	$126,339,000	114
Pre-tax net operating income	$107,184,000	153
Securities gains (losses)	$3,105,000	94
Applicable income taxes	$40,716,000	148
Income before extraordinary items	$69,573,000	156
Extraordinary gains, net	$0	35
Net income	$69,573,000	157
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,502,000	331
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$67,585,800	158
1998-12-31 (YTD Data)		Rank
Total interest income	$382,198,000	145
Total interest expense	$181,547,000	148
Net interest income	$200,651,000	148
Provision for loan and lease losses	$-15,800,000	10,460
Total noninterest income	$31,919,000	281
Gross Fiduciary activities income	$839,000	500
Service charges on deposit accounts	$13,014,000	148
Trading account gains and fees	$0	224
Additional Noninterest Income	$18,066,000	310
Total noninterest expense	$133,430,000	181
Salaries and employee benefits	$37,383,000	211
Premises and equipment expense	$15,784,000	176
Additional noninterest expense	$80,263,000	163
Pre-tax net operating income	$114,940,000	135
Securities gains (losses)	$5,443,000	118
Applicable income taxes	$25,987,000	191
Income before extraordinary items	$94,396,000	117
Extraordinary gains, net	$0	32
Net income	$94,396,000	118
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,015,000	10,441
Cash dividends	$35,000,000	179
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$90,150,460	116
1997-12-31 (YTD Data)		Rank
Total interest income	$354,140,000	163
Total interest expense	$170,659,000	160
Net interest income	$183,481,000	164
Provision for loan and lease losses	$538,000	1,684
Total noninterest income	$35,486,000	261
Gross Fiduciary activities income	$369,000	757
Service charges on deposit accounts	$10,215,000	167
Trading account gains and fees	$0	239
Additional Noninterest Income	$24,902,000	237
Total noninterest expense	$124,295,000	190
Salaries and employee benefits	$34,810,000	221
Premises and equipment expense	$13,635,000	194
Additional noninterest expense	$75,850,000	161
Pre-tax net operating income	$94,134,000	156
Securities gains (losses)	$3,130,000	130
Applicable income taxes	$38,813,000	139
Income before extraordinary items	$58,451,000	167
Extraordinary gains, net	$0	44
Net income	$58,451,000	167
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-227,000	10,832
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$56,447,800	165
1996-12-31 (YTD Data)		Rank
Total interest income	$294,452,000	196
Total interest expense	$149,527,000	191
Net interest income	$144,925,000	208
Provision for loan and lease losses	$-10,833,000	11,440
Total noninterest income	$40,252,000	266
Gross Fiduciary activities income	$145,000	1,045
Service charges on deposit accounts	$7,605,000	237
Trading account gains and fees	$0	262
Additional Noninterest Income	$32,502,000	213
Total noninterest expense	$113,573,000	228
Salaries and employee benefits	$26,746,000	302
Premises and equipment expense	$11,297,000	259
Additional noninterest expense	$75,530,000	178
Pre-tax net operating income	$82,437,000	172
Securities gains (losses)	$10,489,000	42
Applicable income taxes	$39,830,000	132
Income before extraordinary items	$53,096,000	178
Extraordinary gains, net	$0	53
Net income	$53,096,000	178
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,019,000	449
Cash dividends	$35,000,000	185
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$46,383,040	198
1995-12-31 (YTD Data)		Rank
Total interest income	$274,371,000	215
Total interest expense	$133,685,000	217
Net interest income	$140,686,000	218
Provision for loan and lease losses	$6,449,000	268
Total noninterest income	$26,750,000	338
Gross Fiduciary activities income	$7,000	1,492
Service charges on deposit accounts	$6,837,000	268
Trading account gains and fees	$0	522
Additional Noninterest Income	$19,906,000	277
Total noninterest expense	$110,416,000	230
Salaries and employee benefits	$26,369,000	327
Premises and equipment expense	$8,893,000	324
Additional noninterest expense	$75,154,000	172
Pre-tax net operating income	$50,571,000	257
Securities gains (losses)	$4,693,000	62
Applicable income taxes	$28,208,000	178
Income before extraordinary items	$27,056,000	292
Extraordinary gains, net	$-139,000	11,939
Net income	$26,917,000	293
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,022,000	144
Cash dividends	$25,000,000	213
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$24,052,480	308
1994-12-31 (YTD Data)		Rank
Total interest income	$175,410,000	280
Total interest expense	$75,593,000	276
Net interest income	$99,817,000	267
Provision for loan and lease losses	$3,598,000	371
Total noninterest income	$18,449,000	395
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$4,921,000	325
Trading account gains and fees	$0	475
Additional Noninterest Income	$13,528,000	360
Total noninterest expense	$93,100,000	260
Salaries and employee benefits	$28,371,000	313
Premises and equipment expense	$10,251,000	289
Additional noninterest expense	$54,478,000	225
Pre-tax net operating income	$21,568,000	441
Securities gains (losses)	$58,000	1,066
Applicable income taxes	$11,752,000	301
Income before extraordinary items	$9,874,000	567
Extraordinary gains, net	$0	249
Net income	$9,874,000	568
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,854,000	155
Cash dividends	$89,000	7,163
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$9,836,880	572
1993-12-31 (YTD Data)		Rank
Total interest income	$56,592,000	623
Total interest expense	$25,077,000	595
Net interest income	$31,515,000	637
Provision for loan and lease losses	$2,497,000	688
Total noninterest income	$9,384,000	635
Gross Fiduciary activities income	$0	1,630
Service charges on deposit accounts	$1,539,000	846
Trading account gains and fees	$0	532
Additional Noninterest Income	$7,845,000	498
Total noninterest expense	$31,249,000	604
Salaries and employee benefits	$12,519,000	584
Premises and equipment expense	$3,718,000	634
Additional noninterest expense	$15,012,000	576
Pre-tax net operating income	$7,153,000	1,000
Securities gains (losses)	$88,000	2,680
Applicable income taxes	$3,170,000	819
Income before extraordinary items	$4,071,000	1,250
Extraordinary gains, net	$2,919,000	103
Net income	$6,990,000	776
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,410,000	233
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$4,014,680	1,178
1992-12-31 (YTD Data)		Rank
Total interest income	$130,251,000	367
Total interest expense	$77,351,000	308
Net interest income	$52,900,000	431
Provision for loan and lease losses	$15,694,000	259
Total noninterest income	$3,671,000	1,220
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$3,671,000	834
Total noninterest expense	$59,806,000	353
Salaries and employee benefits	$21,380,000	369
Premises and equipment expense	$13,022,000	237
Additional noninterest expense	$25,406,000	389
Pre-tax net operating income	$-18,929,000	13,915
Securities gains (losses)	$6,297,000	166
Applicable income taxes	$1,000	12,632
Income before extraordinary items	$-12,635,000	13,874
Extraordinary gains, net	$0	1,422
Net income	$-12,635,000	13,873
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,637,000	202
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$-18,932,000	13,884

* 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.