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First USA Bank, Income and Expense

1998-12-31 (YTD Data)		Rank
Total interest income	$651,503,000	98
Total interest expense	$362,375,000	87
Net interest income	$289,128,000	112
Provision for loan and lease losses	$181,327,000	30
Total noninterest income	$2,273,379,000	10
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	$2,273,379,000	7
Total noninterest expense	$2,023,812,000	19
Salaries and employee benefits	$342,995,000	38
Premises and equipment expense	$96,557,000	46
Additional noninterest expense	$1,584,260,000	9
Pre-tax net operating income	$357,368,000	57
Securities gains (losses)	$3,000	3,720
Applicable income taxes	$129,353,000	55
Income before extraordinary items	$228,018,000	61
Extraordinary gains, net	$0	32
Net income	$228,018,000	60
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$187,529,000	29
Cash dividends	$565,000,000	12
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$228,016,080	58
1997-12-31 (YTD Data)		Rank
Total interest income	$651,559,000	92
Total interest expense	$462,870,000	75
Net interest income	$188,689,000	159
Provision for loan and lease losses	$170,395,000	27
Total noninterest income	$1,490,954,000	17
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	$1,490,954,000	9
Total noninterest expense	$1,180,948,000	27
Salaries and employee benefits	$178,373,000	63
Premises and equipment expense	$59,578,000	60
Additional noninterest expense	$942,997,000	17
Pre-tax net operating income	$328,300,000	55
Securities gains (losses)	$1,529,000	222
Applicable income taxes	$118,856,000	54
Income before extraordinary items	$210,973,000	56
Extraordinary gains, net	$0	44
Net income	$210,973,000	56
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$164,395,000	32
Cash dividends	$20,728,000	222
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$209,994,440	56
1996-12-31 (YTD Data)		Rank
Total interest income	$563,608,000	116
Total interest expense	$402,547,000	80
Net interest income	$161,061,000	192
Provision for loan and lease losses	$121,763,000	38
Total noninterest income	$1,057,328,000	17
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	$1,057,328,000	10
Total noninterest expense	$685,102,000	39
Salaries and employee benefits	$111,664,000	102
Premises and equipment expense	$36,696,000	97
Additional noninterest expense	$536,742,000	25
Pre-tax net operating income	$411,524,000	33
Securities gains (losses)	$1,530,000	188
Applicable income taxes	$145,332,000	34
Income before extraordinary items	$267,722,000	35
Extraordinary gains, net	$0	53
Net income	$267,722,000	34
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$82,763,000	44
Cash dividends	$70,057,000	110
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$266,727,500	35
1995-12-31 (YTD Data)		Rank
Total interest income	$475,519,000	131
Total interest expense	$364,992,000	87
Net interest income	$110,527,000	261
Provision for loan and lease losses	$51,240,000	50
Total noninterest income	$755,636,000	20
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	$755,636,000	14
Total noninterest expense	$442,526,000	64
Salaries and employee benefits	$71,089,000	144
Premises and equipment expense	$22,704,000	156
Additional noninterest expense	$348,733,000	36
Pre-tax net operating income	$372,397,000	33
Securities gains (losses)	$0	3,831
Applicable income taxes	$135,085,000	34
Income before extraordinary items	$237,312,000	36
Extraordinary gains, net	$0	65
Net income	$237,312,000	36
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$47,240,000	60
Cash dividends	$55,353,000	119
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$237,312,000	34
1994-12-31 (YTD Data)		Rank
Total interest income	$445,803,000	123
Total interest expense	$247,559,000	92
Net interest income	$198,244,000	155
Provision for loan and lease losses	$65,873,000	39
Total noninterest income	$465,922,000	24
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	$465,922,000	16
Total noninterest expense	$306,188,000	84
Salaries and employee benefits	$35,211,000	264
Premises and equipment expense	$10,213,000	290
Additional noninterest expense	$260,764,000	54
Pre-tax net operating income	$292,105,000	43
Securities gains (losses)	$-1,944,000	12,478
Applicable income taxes	$95,717,000	42
Income before extraordinary items	$194,444,000	43
Extraordinary gains, net	$0	249
Net income	$194,444,000	43
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$42,873,000	61
Cash dividends	$36,400,000	148
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$195,746,480	44
1993-12-31 (YTD Data)		Rank
Total interest income	$345,103,000	141
Total interest expense	$145,364,000	133
Net interest income	$199,739,000	140
Provision for loan and lease losses	$68,433,000	49
Total noninterest income	$177,618,000	76
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	$177,618,000	42
Total noninterest expense	$200,403,000	135
Salaries and employee benefits	$25,939,000	325
Premises and equipment expense	$6,517,000	411
Additional noninterest expense	$167,947,000	74
Pre-tax net operating income	$108,521,000	115
Securities gains (losses)	$0	7,477
Applicable income taxes	$54,272,000	74
Income before extraordinary items	$54,249,000	160
Extraordinary gains, net	$0	3,149
Net income	$54,249,000	161
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$50,433,000	76
Cash dividends	$49,370,000	90
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$54,249,000	155
1992-12-31 (YTD Data)		Rank
Total interest income	$295,934,000	174
Total interest expense	$131,964,000	185
Net interest income	$163,970,000	163
Provision for loan and lease losses	$58,238,000	91
Total noninterest income	$109,469,000	110
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	$109,469,000	64
Total noninterest expense	$125,390,000	198
Salaries and employee benefits	$20,204,000	385
Premises and equipment expense	$6,383,000	420
Additional noninterest expense	$98,803,000	119
Pre-tax net operating income	$89,811,000	99
Securities gains (losses)	$340,000	1,419
Applicable income taxes	$34,005,000	91
Income before extraordinary items	$56,146,000	117
Extraordinary gains, net	$0	1,422
Net income	$56,146,000	119
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$60,238,000	89
Cash dividends	$46,314,000	58
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$55,928,400	106

* 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.