Home > Citizens Bank of Rhode Island > Income and Expense

Citizens Bank of Rhode Island, Income and Expense

2007-06-30 (YTD Data)		Rank
Total interest income	$372,514,000	100
Total interest expense	$204,533,000	94
Net interest income	$167,981,000	110
Provision for loan and lease losses	$18,311,000	81
Total noninterest income	$132,788,000	78
Gross Fiduciary activities income	$4,902,000	106
Service charges on deposit accounts	$32,166,000	58
Trading account gains and fees	$4,379,000	48
Additional Noninterest Income	$91,341,000	73
Total noninterest expense	$155,655,000	102
Salaries and employee benefits	$74,174,000	92
Premises and equipment expense	$20,203,000	92
Additional noninterest expense	$61,278,000	103
Pre-tax net operating income	$126,803,000	86
Securities gains (losses)	$71,000	477
Applicable income taxes	$44,291,000	88
Income before extraordinary items	$82,583,000	89
Extraordinary gains, net	$0	29
Net income	$82,583,000	90
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$17,828,000	73
Cash dividends	$125,000,000	52
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$82,536,850	88
2007-03-31 (YTD Data)		Rank
Total interest income	$177,752,000	104
Total interest expense	$99,704,000	92
Net interest income	$78,048,000	114
Provision for loan and lease losses	$9,843,000	70
Total noninterest income	$62,331,000	79
Gross Fiduciary activities income	$2,336,000	107
Service charges on deposit accounts	$15,848,000	56
Trading account gains and fees	$1,789,000	53
Additional Noninterest Income	$42,358,000	70
Total noninterest expense	$75,849,000	101
Salaries and employee benefits	$35,251,000	98
Premises and equipment expense	$10,082,000	92
Additional noninterest expense	$30,516,000	101
Pre-tax net operating income	$54,687,000	95
Securities gains (losses)	$71,000	364
Applicable income taxes	$18,537,000	99
Income before extraordinary items	$36,221,000	96
Extraordinary gains, net	$0	22
Net income	$36,221,000	96
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,067,000	71
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$36,174,140	94
2006-12-31 (YTD Data)		Rank
Total interest income	$684,015,000	94
Total interest expense	$337,453,000	96
Net interest income	$346,562,000	99
Provision for loan and lease losses	$50,328,000	54
Total noninterest income	$241,026,000	78
Gross Fiduciary activities income	$8,390,000	111
Service charges on deposit accounts	$60,555,000	57
Trading account gains and fees	$4,658,000	54
Additional Noninterest Income	$167,423,000	72
Total noninterest expense	$294,058,000	99
Salaries and employee benefits	$147,591,000	86
Premises and equipment expense	$36,236,000	94
Additional noninterest expense	$110,231,000	106
Pre-tax net operating income	$243,202,000	87
Securities gains (losses)	$580,000	234
Applicable income taxes	$81,775,000	91
Income before extraordinary items	$162,007,000	90
Extraordinary gains, net	$0	51
Net income	$162,007,000	91
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$44,927,000	53
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$161,624,200	88
2006-09-30 (YTD Data)		Rank
Total interest income	$507,316,000	103
Total interest expense	$244,401,000	103
Net interest income	$262,915,000	104
Provision for loan and lease losses	$41,957,000	54
Total noninterest income	$180,720,000	87
Gross Fiduciary activities income	$6,189,000	116
Service charges on deposit accounts	$44,009,000	61
Trading account gains and fees	$2,900,000	56
Additional Noninterest Income	$127,622,000	83
Total noninterest expense	$216,107,000	107
Salaries and employee benefits	$108,928,000	93
Premises and equipment expense	$27,569,000	97
Additional noninterest expense	$79,610,000	120
Pre-tax net operating income	$185,571,000	94
Securities gains (losses)	$57,000	535
Applicable income taxes	$63,444,000	101
Income before extraordinary items	$122,184,000	101
Extraordinary gains, net	$0	45
Net income	$122,184,000	102
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$38,018,000	51
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$122,146,380	98
2006-06-30 (YTD Data)		Rank
Total interest income	$330,354,000	106
Total interest expense	$154,522,000	106
Net interest income	$175,832,000	105
Provision for loan and lease losses	$21,162,000	61
Total noninterest income	$117,504,000	90
Gross Fiduciary activities income	$4,137,000	121
Service charges on deposit accounts	$28,547,000	66
Trading account gains and fees	$1,502,000	59
Additional Noninterest Income	$83,318,000	87
Total noninterest expense	$142,545,000	110
Salaries and employee benefits	$72,499,000	95
Premises and equipment expense	$18,167,000	100
Additional noninterest expense	$51,879,000	123
Pre-tax net operating income	$129,629,000	100
Securities gains (losses)	$57,000	436
Applicable income taxes	$44,305,000	105
Income before extraordinary items	$85,381,000	105
Extraordinary gains, net	$0	39
Net income	$85,381,000	106
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,625,000	113
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$85,343,380	102
2006-03-31 (YTD Data)		Rank
Total interest income	$162,688,000	103
Total interest expense	$74,592,000	105
Net interest income	$88,096,000	103
Provision for loan and lease losses	$5,763,000	80
Total noninterest income	$56,664,000	96
Gross Fiduciary activities income	$2,029,000	120
Service charges on deposit accounts	$13,237,000	66
Trading account gains and fees	$888,000	55
Additional Noninterest Income	$40,510,000	87
Total noninterest expense	$70,062,000	115
Salaries and employee benefits	$36,276,000	97
Premises and equipment expense	$9,031,000	101
Additional noninterest expense	$24,755,000	123
Pre-tax net operating income	$68,935,000	93
Securities gains (losses)	$54,000	335
Applicable income taxes	$24,460,000	92
Income before extraordinary items	$44,529,000	96
Extraordinary gains, net	$0	21
Net income	$44,529,000	97
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,893,000	100
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$44,493,900	94
2005-12-31 (YTD Data)		Rank
Total interest income	$575,736,000	98
Total interest expense	$200,479,000	112
Net interest income	$375,257,000	97
Provision for loan and lease losses	$34,272,000	70
Total noninterest income	$194,575,000	98
Gross Fiduciary activities income	$8,256,000	114
Service charges on deposit accounts	$52,929,000	63
Trading account gains and fees	$4,957,000	49
Additional Noninterest Income	$128,433,000	93
Total noninterest expense	$283,990,000	110
Salaries and employee benefits	$123,657,000	106
Premises and equipment expense	$30,737,000	109
Additional noninterest expense	$129,596,000	98
Pre-tax net operating income	$251,570,000	97
Securities gains (losses)	$11,513,000	49
Applicable income taxes	$88,445,000	95
Income before extraordinary items	$174,638,000	95
Extraordinary gains, net	$0	46
Net income	$174,638,000	95
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$43,405,000	65
Cash dividends	$297,132,000	40
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$167,039,420	97
2005-09-30 (YTD Data)		Rank
Total interest income	$421,807,000	99
Total interest expense	$136,795,000	118
Net interest income	$285,012,000	95
Provision for loan and lease losses	$34,013,000	58
Total noninterest income	$143,897,000	99
Gross Fiduciary activities income	$6,278,000	112
Service charges on deposit accounts	$38,378,000	66
Trading account gains and fees	$651,000	66
Additional Noninterest Income	$98,590,000	93
Total noninterest expense	$207,624,000	115
Salaries and employee benefits	$99,724,000	102
Premises and equipment expense	$21,617,000	119
Additional noninterest expense	$86,283,000	110
Pre-tax net operating income	$187,272,000	98
Securities gains (losses)	$3,112,000	96
Applicable income taxes	$64,430,000	97
Income before extraordinary items	$125,954,000	99
Extraordinary gains, net	$0	35
Net income	$125,954,000	99
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$34,331,000	58
Cash dividends	$297,132,000	33
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$123,900,080	98
2005-06-30 (YTD Data)		Rank
Total interest income	$276,689,000	99
Total interest expense	$85,552,000	118
Net interest income	$191,137,000	96
Provision for loan and lease losses	$32,358,000	48
Total noninterest income	$94,752,000	98
Gross Fiduciary activities income	$4,228,000	111
Service charges on deposit accounts	$24,557,000	67
Trading account gains and fees	$425,000	66
Additional Noninterest Income	$65,542,000	96
Total noninterest expense	$137,979,000	113
Salaries and employee benefits	$72,310,000	97
Premises and equipment expense	$12,288,000	133
Additional noninterest expense	$53,381,000	114
Pre-tax net operating income	$115,552,000	104
Securities gains (losses)	$3,471,000	77
Applicable income taxes	$40,000,000	105
Income before extraordinary items	$79,023,000	105
Extraordinary gains, net	$0	30
Net income	$79,023,000	105
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$26,136,000	53
Cash dividends	$297,132,000	24
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$76,732,140	105
2005-03-31 (YTD Data)		Rank
Total interest income	$133,826,000	102
Total interest expense	$39,843,000	120
Net interest income	$93,983,000	97
Provision for loan and lease losses	$17,906,000	45
Total noninterest income	$45,852,000	107
Gross Fiduciary activities income	$2,022,000	117
Service charges on deposit accounts	$11,395,000	67
Trading account gains and fees	$209,000	75
Additional Noninterest Income	$32,226,000	99
Total noninterest expense	$66,515,000	116
Salaries and employee benefits	$32,821,000	107
Premises and equipment expense	$2,255,000	284
Additional noninterest expense	$31,439,000	101
Pre-tax net operating income	$55,414,000	105
Securities gains (losses)	$1,720,000	77
Applicable income taxes	$19,580,000	104
Income before extraordinary items	$37,554,000	114
Extraordinary gains, net	$0	24
Net income	$37,554,000	114
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,245,000	47
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$36,418,800	111
2004-12-31 (YTD Data)		Rank
Total interest income	$509,917,000	101
Total interest expense	$141,875,000	109
Net interest income	$368,042,000	96
Provision for loan and lease losses	$153,174,000	26
Total noninterest income	$193,240,000	104
Gross Fiduciary activities income	$7,868,000	117
Service charges on deposit accounts	$48,667,000	67
Trading account gains and fees	$994,000	70
Additional Noninterest Income	$135,711,000	94
Total noninterest expense	$333,521,000	96
Salaries and employee benefits	$146,737,000	91
Premises and equipment expense	$20,170,000	152
Additional noninterest expense	$166,614,000	88
Pre-tax net operating income	$74,587,000	195
Securities gains (losses)	$4,239,000	126
Applicable income taxes	$25,492,000	196
Income before extraordinary items	$53,334,000	193
Extraordinary gains, net	$0	34
Net income	$53,334,000	194
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$83,354,000	49
Cash dividends	$119,000,000	69
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$50,451,480	196
2004-09-30 (YTD Data)		Rank
Total interest income	$378,445,000	104
Total interest expense	$104,860,000	111
Net interest income	$273,585,000	103
Provision for loan and lease losses	$141,739,000	24
Total noninterest income	$146,256,000	108
Gross Fiduciary activities income	$5,879,000	119
Service charges on deposit accounts	$36,426,000	69
Trading account gains and fees	$742,000	69
Additional Noninterest Income	$103,209,000	102
Total noninterest expense	$241,792,000	104
Salaries and employee benefits	$110,342,000	95
Premises and equipment expense	$17,903,000	136
Additional noninterest expense	$113,547,000	93
Pre-tax net operating income	$36,310,000	260
Securities gains (losses)	$4,239,000	117
Applicable income taxes	$11,900,000	273
Income before extraordinary items	$28,649,000	248
Extraordinary gains, net	$0	26
Net income	$28,649,000	249
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$68,694,000	48
Cash dividends	$119,000,000	60
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$25,639,310	256
2004-06-30 (YTD Data)		Rank
Total interest income	$250,024,000	107
Total interest expense	$69,728,000	114
Net interest income	$180,296,000	105
Provision for loan and lease losses	$117,426,000	21
Total noninterest income	$98,707,000	115
Gross Fiduciary activities income	$3,863,000	124
Service charges on deposit accounts	$24,221,000	70
Trading account gains and fees	$500,000	76
Additional Noninterest Income	$70,123,000	105
Total noninterest expense	$148,536,000	115
Salaries and employee benefits	$77,186,000	94
Premises and equipment expense	$13,744,000	125
Additional noninterest expense	$57,606,000	117
Pre-tax net operating income	$13,041,000	405
Securities gains (losses)	$4,027,000	102
Applicable income taxes	$4,844,000	386
Income before extraordinary items	$12,224,000	330
Extraordinary gains, net	$0	21
Net income	$12,224,000	330
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$43,298,000	56
Cash dividends	$50,000,000	79
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$9,324,560	396
2004-03-31 (YTD Data)		Rank
Total interest income	$123,197,000	107
Total interest expense	$35,824,000	115
Net interest income	$87,373,000	103
Provision for loan and lease losses	$86,406,000	15
Total noninterest income	$48,440,000	110
Gross Fiduciary activities income	$1,852,000	125
Service charges on deposit accounts	$11,325,000	73
Trading account gains and fees	$274,000	64
Additional Noninterest Income	$34,989,000	99
Total noninterest expense	$73,642,000	114
Salaries and employee benefits	$40,949,000	91
Premises and equipment expense	$9,072,000	103
Additional noninterest expense	$23,621,000	127
Pre-tax net operating income	$-24,235,000	9,124
Securities gains (losses)	$3,532,000	76
Applicable income taxes	$-7,845,000	9,112
Income before extraordinary items	$-12,858,000	9,112
Extraordinary gains, net	$0	16
Net income	$-12,858,000	9,113
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,311,000	74
Cash dividends	$50,000,000	48
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$-15,118,480	9,110
2003-12-31 (YTD Data)		Rank
Total interest income	$451,219,000	117
Total interest expense	$136,972,000	118
Net interest income	$314,247,000	112
Provision for loan and lease losses	$16,174,000	152
Total noninterest income	$199,202,000	113
Gross Fiduciary activities income	$8,039,000	121
Service charges on deposit accounts	$45,821,000	76
Trading account gains and fees	$1,340,000	75
Additional Noninterest Income	$144,002,000	100
Total noninterest expense	$278,308,000	117
Salaries and employee benefits	$167,831,000	88
Premises and equipment expense	$36,441,000	101
Additional noninterest expense	$74,036,000	153
Pre-tax net operating income	$218,967,000	100
Securities gains (losses)	$9,434,000	114
Applicable income taxes	$79,141,000	101
Income before extraordinary items	$149,260,000	96
Extraordinary gains, net	$0	54
Net income	$149,260,000	97
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,360,000	146
Cash dividends	$100,000,000	88
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$143,127,900	95
2003-09-30 (YTD Data)		Rank
Total interest income	$338,544,000	117
Total interest expense	$102,470,000	122
Net interest income	$236,074,000	114
Provision for loan and lease losses	$12,683,000	154
Total noninterest income	$153,723,000	110
Gross Fiduciary activities income	$6,138,000	125
Service charges on deposit accounts	$33,772,000	80
Trading account gains and fees	$991,000	75
Additional Noninterest Income	$112,822,000	98
Total noninterest expense	$207,658,000	119
Salaries and employee benefits	$126,347,000	86
Premises and equipment expense	$26,663,000	105
Additional noninterest expense	$54,648,000	154
Pre-tax net operating income	$169,456,000	95
Securities gains (losses)	$9,356,000	108
Applicable income taxes	$62,773,000	92
Income before extraordinary items	$116,039,000	98
Extraordinary gains, net	$0	40
Net income	$116,039,000	98
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,842,000	165
Cash dividends	$75,000,000	76
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$109,957,600	95
2003-06-30 (YTD Data)		Rank
Total interest income	$225,974,000	117
Total interest expense	$69,329,000	121
Net interest income	$156,645,000	117
Provision for loan and lease losses	$9,141,000	149
Total noninterest income	$103,164,000	108
Gross Fiduciary activities income	$4,210,000	123
Service charges on deposit accounts	$21,566,000	82
Trading account gains and fees	$622,000	78
Additional Noninterest Income	$76,766,000	93
Total noninterest expense	$137,353,000	120
Salaries and employee benefits	$84,922,000	86
Premises and equipment expense	$9,960,000	156
Additional noninterest expense	$42,471,000	137
Pre-tax net operating income	$113,315,000	90
Securities gains (losses)	$8,485,000	98
Applicable income taxes	$43,094,000	87
Income before extraordinary items	$78,706,000	93
Extraordinary gains, net	$0	30
Net income	$78,706,000	93
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,540,000	161
Cash dividends	$60,000,000	61
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$73,190,750	95
2003-03-31 (YTD Data)		Rank
Total interest income	$113,952,000	119
Total interest expense	$35,170,000	123
Net interest income	$78,782,000	117
Provision for loan and lease losses	$4,745,000	146
Total noninterest income	$45,048,000	117
Gross Fiduciary activities income	$2,065,000	128
Service charges on deposit accounts	$10,381,000	87
Trading account gains and fees	$349,000	72
Additional Noninterest Income	$32,253,000	105
Total noninterest expense	$67,148,000	120
Salaries and employee benefits	$40,553,000	92
Premises and equipment expense	$5,451,000	151
Additional noninterest expense	$21,144,000	131
Pre-tax net operating income	$51,937,000	101
Securities gains (losses)	$6,399,000	70
Applicable income taxes	$20,499,000	96
Income before extraordinary items	$37,837,000	98
Extraordinary gains, net	$0	21
Net income	$37,837,000	98
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,261,000	140
Cash dividends	$20,000,000	77
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$33,677,650	100
2002-12-31 (YTD Data)		Rank
Total interest income	$459,657,000	122
Total interest expense	$156,601,000	128
Net interest income	$303,056,000	117
Provision for loan and lease losses	$18,064,000	174
Total noninterest income	$135,589,000	132
Gross Fiduciary activities income	$9,173,000	123
Service charges on deposit accounts	$42,314,000	82
Trading account gains and fees	$1,244,000	66
Additional Noninterest Income	$82,858,000	132
Total noninterest expense	$220,308,000	136
Salaries and employee benefits	$118,217,000	110
Premises and equipment expense	$38,970,000	103
Additional noninterest expense	$63,121,000	170
Pre-tax net operating income	$200,273,000	98
Securities gains (losses)	$5,562,000	149
Applicable income taxes	$70,703,000	96
Income before extraordinary items	$135,132,000	99
Extraordinary gains, net	$0	70
Net income	$135,132,000	99
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,926,000	171
Cash dividends	$108,000,000	87
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$131,461,080	97
2001-12-31 (YTD Data)		Rank
Total interest income	$475,580,000	131
Total interest expense	$209,518,000	140
Net interest income	$266,062,000	122
Provision for loan and lease losses	$2,640,000	560
Total noninterest income	$122,263,000	140
Gross Fiduciary activities income	$9,110,000	124
Service charges on deposit accounts	$35,998,000	82
Trading account gains and fees	$1,295,000	69
Additional Noninterest Income	$75,860,000	138
Total noninterest expense	$198,211,000	144
Salaries and employee benefits	$105,735,000	111
Premises and equipment expense	$30,316,000	112
Additional noninterest expense	$62,160,000	184
Pre-tax net operating income	$187,474,000	95
Securities gains (losses)	$12,997,000	69
Applicable income taxes	$67,903,000	94
Income before extraordinary items	$132,568,000	93
Extraordinary gains, net	$251,000	47
Net income	$132,819,000	91
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,099,000	190
Cash dividends	$14,000,000	292
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$123,989,980	96
2000-12-31 (YTD Data)		Rank
Total interest income	$482,562,000	139
Total interest expense	$251,965,000	137
Net interest income	$230,597,000	137
Provision for loan and lease losses	$15,717,000	157
Total noninterest income	$110,414,000	152
Gross Fiduciary activities income	$10,148,000	115
Service charges on deposit accounts	$27,743,000	99
Trading account gains and fees	$1,213,000	74
Additional Noninterest Income	$71,310,000	147
Total noninterest expense	$198,017,000	149
Salaries and employee benefits	$98,199,000	118
Premises and equipment expense	$23,805,000	131
Additional noninterest expense	$76,013,000	166
Pre-tax net operating income	$127,277,000	128
Securities gains (losses)	$2,468,000	80
Applicable income taxes	$40,492,000	131
Income before extraordinary items	$89,253,000	119
Extraordinary gains, net	$0	38
Net income	$89,253,000	119
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,784,000	165
Cash dividends	$135,000,000	70
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$87,550,080	124
1999-12-31 (YTD Data)		Rank
Total interest income	$416,547,000	133
Total interest expense	$200,883,000	135
Net interest income	$215,664,000	136
Provision for loan and lease losses	$10,122,000	200
Total noninterest income	$98,420,000	163
Gross Fiduciary activities income	$10,356,000	133
Service charges on deposit accounts	$24,961,000	102
Trading account gains and fees	$121,000	117
Additional Noninterest Income	$62,982,000	162
Total noninterest expense	$174,907,000	154
Salaries and employee benefits	$81,737,000	131
Premises and equipment expense	$32,348,000	112
Additional noninterest expense	$60,822,000	184
Pre-tax net operating income	$129,055,000	134
Securities gains (losses)	$2,103,000	133
Applicable income taxes	$42,964,000	142
Income before extraordinary items	$88,194,000	132
Extraordinary gains, net	$0	35
Net income	$88,194,000	133
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,670,000	220
Cash dividends	$14,000,000	315
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$86,784,990	133
1998-12-31 (YTD Data)		Rank
Total interest income	$386,620,000	142
Total interest expense	$183,606,000	147
Net interest income	$203,014,000	144
Provision for loan and lease losses	$28,766,000	111
Total noninterest income	$132,620,000	138
Gross Fiduciary activities income	$10,340,000	135
Service charges on deposit accounts	$22,304,000	106
Trading account gains and fees	$373,000	114
Additional Noninterest Income	$99,603,000	125
Total noninterest expense	$172,929,000	164
Salaries and employee benefits	$83,707,000	122
Premises and equipment expense	$28,840,000	119
Additional noninterest expense	$60,382,000	191
Pre-tax net operating income	$133,939,000	119
Securities gains (losses)	$6,966,000	95
Applicable income taxes	$47,093,000	122
Income before extraordinary items	$93,812,000	120
Extraordinary gains, net	$0	32
Net income	$93,812,000	121
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,693,000	182
Cash dividends	$56,500,000	133
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$89,144,780	118
1997-12-31 (YTD Data)		Rank
Total interest income	$381,348,000	154
Total interest expense	$183,021,000	151
Net interest income	$198,327,000	153
Provision for loan and lease losses	$15,750,000	152
Total noninterest income	$90,184,000	154
Gross Fiduciary activities income	$8,674,000	144
Service charges on deposit accounts	$20,701,000	112
Trading account gains and fees	$166,000	147
Additional Noninterest Income	$60,643,000	150
Total noninterest expense	$165,381,000	160
Salaries and employee benefits	$112,065,000	98
Premises and equipment expense	$38,752,000	87
Additional noninterest expense	$14,564,000	421
Pre-tax net operating income	$107,380,000	143
Securities gains (losses)	$4,445,000	97
Applicable income taxes	$36,674,000	149
Income before extraordinary items	$75,151,000	136
Extraordinary gains, net	$0	44
Net income	$75,151,000	136
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,247,000	174
Cash dividends	$69,000,000	107
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$72,172,850	136
1996-12-31 (YTD Data)		Rank
Total interest income	$349,758,000	177
Total interest expense	$191,589,000	158
Net interest income	$158,169,000	198
Provision for loan and lease losses	$-17,094,000	11,445
Total noninterest income	$63,600,000	202
Gross Fiduciary activities income	$1,000	1,500
Service charges on deposit accounts	$2,544,000	538
Trading account gains and fees	$1,000	257
Additional Noninterest Income	$61,054,000	155
Total noninterest expense	$138,597,000	199
Salaries and employee benefits	$74,186,000	143
Premises and equipment expense	$23,014,000	152
Additional noninterest expense	$41,397,000	273
Pre-tax net operating income	$100,266,000	148
Securities gains (losses)	$16,144,000	28
Applicable income taxes	$41,765,000	128
Income before extraordinary items	$74,645,000	136
Extraordinary gains, net	$0	53
Net income	$74,645,000	135
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,402,000	220
Cash dividends	$139,000,000	60
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$64,312,840	153
1995-12-31 (YTD Data)		Rank
Total interest income	$358,119,000	176
Total interest expense	$189,146,000	165
Net interest income	$168,973,000	185
Provision for loan and lease losses	$6,351,000	273
Total noninterest income	$34,233,000	290
Gross Fiduciary activities income	$0	1,590
Service charges on deposit accounts	$2,308,000	599
Trading account gains and fees	$239,000	225
Additional Noninterest Income	$31,686,000	210
Total noninterest expense	$131,585,000	203
Salaries and employee benefits	$65,080,000	155
Premises and equipment expense	$18,685,000	179
Additional noninterest expense	$47,820,000	246
Pre-tax net operating income	$65,270,000	211
Securities gains (losses)	$-1,104,000	11,876
Applicable income taxes	$23,933,000	199
Income before extraordinary items	$40,233,000	232
Extraordinary gains, net	$-201,000	11,944
Net income	$40,032,000	232
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,347,000	262
Cash dividends	$37,500,000	162
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$40,939,560	226
1994-12-31 (YTD Data)		Rank
Total interest income	$293,911,000	186
Total interest expense	$130,475,000	183
Net interest income	$163,436,000	188
Provision for loan and lease losses	$9,152,000	200
Total noninterest income	$32,568,000	296
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$1,904,000	710
Trading account gains and fees	$-59,000	4,855
Additional Noninterest Income	$30,723,000	216
Total noninterest expense	$130,704,000	202
Salaries and employee benefits	$61,686,000	161
Premises and equipment expense	$20,092,000	168
Additional noninterest expense	$48,926,000	241
Pre-tax net operating income	$56,148,000	225
Securities gains (losses)	$868,000	184
Applicable income taxes	$22,386,000	194
Income before extraordinary items	$34,630,000	233
Extraordinary gains, net	$0	249
Net income	$34,630,000	232
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$22,224,000	106
Cash dividends	$27,000,000	176
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$34,074,480	239
1993-12-31 (YTD Data)		Rank
Total interest income	$233,081,000	207
Total interest expense	$114,827,000	176
Net interest income	$118,254,000	234
Provision for loan and lease losses	$13,185,000	227
Total noninterest income	$10,303,000	593
Gross Fiduciary activities income	$0	1,630
Service charges on deposit accounts	$1,113,000	1,210
Trading account gains and fees	$86,000	278
Additional Noninterest Income	$9,104,000	454
Total noninterest expense	$88,440,000	265
Salaries and employee benefits	$37,300,000	238
Premises and equipment expense	$13,182,000	231
Additional noninterest expense	$37,958,000	292
Pre-tax net operating income	$26,932,000	320
Securities gains (losses)	$3,623,000	204
Applicable income taxes	$11,926,000	274
Income before extraordinary items	$18,629,000	328
Extraordinary gains, net	$8,834,000	34
Net income	$27,463,000	261
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$17,523,000	175
Cash dividends	$8,500,000	323
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$16,310,280	344
1992-12-31 (YTD Data)		Rank
Total interest income	$223,434,000	230
Total interest expense	$123,387,000	202
Net interest income	$100,047,000	255
Provision for loan and lease losses	$15,880,000	254
Total noninterest income	$6,099,000	847
Gross Fiduciary activities income	$0	1,658
Service charges on deposit accounts	$260,000	4,984
Trading account gains and fees	$68,000	296
Additional Noninterest Income	$5,771,000	611
Total noninterest expense	$68,695,000	319
Salaries and employee benefits	$30,516,000	271
Premises and equipment expense	$12,276,000	246
Additional noninterest expense	$25,903,000	388
Pre-tax net operating income	$21,571,000	324
Securities gains (losses)	$8,122,000	137
Applicable income taxes	$10,701,000	257
Income before extraordinary items	$18,992,000	289
Extraordinary gains, net	$0	1,422
Net income	$18,992,000	287
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,721,000	254
Cash dividends	$10,036,000	215
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$13,793,920	336

* 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.