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Fleet National Bank, Income and Expense

2005-03-31 (YTD Data)		Rank
Total interest income	$2,009,111,000	8
Total interest expense	$581,012,000	9
Net interest income	$1,428,099,000	8
Provision for loan and lease losses	$-236,968,000	8,931
Total noninterest income	$905,638,000	13
Gross Fiduciary activities income	$126,012,000	11
Service charges on deposit accounts	$272,037,000	6
Trading account gains and fees	$36,477,000	12
Additional Noninterest Income	$471,112,000	16
Total noninterest expense	$1,225,743,000	11
Salaries and employee benefits	$609,766,000	9
Premises and equipment expense	$178,979,000	9
Additional noninterest expense	$436,998,000	14
Pre-tax net operating income	$1,344,962,000	8
Securities gains (losses)	$816,000	113
Applicable income taxes	$490,884,000	8
Income before extraordinary items	$854,894,000	8
Extraordinary gains, net	$0	24
Net income	$854,894,000	8
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,033,000	61
Cash dividends	$750,000,000	3
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$854,371,760	8
2004-12-31 (YTD Data)		Rank
Total interest income	$6,299,054,000	8
Total interest expense	$1,269,508,000	12
Net interest income	$5,029,546,000	8
Provision for loan and lease losses	$36,234,000	77
Total noninterest income	$3,160,525,000	14
Gross Fiduciary activities income	$318,240,000	16
Service charges on deposit accounts	$800,174,000	6
Trading account gains and fees	$57,317,000	19
Additional Noninterest Income	$1,984,794,000	15
Total noninterest expense	$4,452,605,000	10
Salaries and employee benefits	$2,042,813,000	10
Premises and equipment expense	$549,616,000	10
Additional noninterest expense	$1,860,176,000	13
Pre-tax net operating income	$3,701,232,000	7
Securities gains (losses)	$-30,682,000	8,971
Applicable income taxes	$1,445,816,000	6
Income before extraordinary items	$2,224,734,000	8
Extraordinary gains, net	$0	34
Net income	$2,224,734,000	8
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$519,340,000	15
Cash dividends	$1,300,000,000	9
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$2,244,370,480	7
2004-09-30 (YTD Data)		Rank
Total interest income	$4,138,639,000	9
Total interest expense	$784,660,000	13
Net interest income	$3,353,979,000	9
Provision for loan and lease losses	$78,526,000	43
Total noninterest income	$2,039,568,000	15
Gross Fiduciary activities income	$195,241,000	18
Service charges on deposit accounts	$527,767,000	6
Trading account gains and fees	$93,000,000	13
Additional Noninterest Income	$1,223,560,000	15
Total noninterest expense	$3,059,659,000	10
Salaries and employee benefits	$1,408,643,000	10
Premises and equipment expense	$353,925,000	11
Additional noninterest expense	$1,297,091,000	14
Pre-tax net operating income	$2,255,362,000	8
Securities gains (losses)	$-31,735,000	9,022
Applicable income taxes	$846,377,000	8
Income before extraordinary items	$1,377,250,000	8
Extraordinary gains, net	$0	26
Net income	$1,377,250,000	8
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$358,260,000	16
Cash dividends	$700,000,000	13
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$1,397,560,400	8
2004-06-30 (YTD Data)		Rank
Total interest income	$2,090,315,000	12
Total interest expense	$397,405,000	18
Net interest income	$1,692,910,000	12
Provision for loan and lease losses	$11,450,000	104
Total noninterest income	$911,958,000	22
Gross Fiduciary activities income	$67,510,000	27
Service charges on deposit accounts	$241,095,000	8
Trading account gains and fees	$47,000,000	15
Additional Noninterest Income	$556,353,000	28
Total noninterest expense	$1,403,610,000	15
Salaries and employee benefits	$725,863,000	14
Premises and equipment expense	$184,526,000	13
Additional noninterest expense	$493,221,000	21
Pre-tax net operating income	$1,189,808,000	11
Securities gains (losses)	$-31,200,000	9,076
Applicable income taxes	$458,139,000	10
Income before extraordinary items	$700,469,000	12
Extraordinary gains, net	$0	21
Net income	$700,469,000	12
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$238,164,000	16
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$720,437,000	12
2004-03-31 (YTD Data)		Rank
Total interest income	$2,321,000,000	6
Total interest expense	$572,000,000	7
Net interest income	$1,749,000,000	7
Provision for loan and lease losses	$-2,000,000	9,101
Total noninterest income	$1,145,000,000	11
Gross Fiduciary activities income	$128,000,000	11
Service charges on deposit accounts	$272,000,000	6
Trading account gains and fees	$89,000,000	7
Additional Noninterest Income	$656,000,000	15
Total noninterest expense	$1,714,000,000	6
Salaries and employee benefits	$783,000,000	6
Premises and equipment expense	$218,000,000	7
Additional noninterest expense	$713,000,000	11
Pre-tax net operating income	$1,182,000,000	7
Securities gains (losses)	$48,000,000	12
Applicable income taxes	$442,000,000	6
Income before extraordinary items	$788,000,000	8
Extraordinary gains, net	$0	16
Net income	$788,000,000	8
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$233,000,000	9
Cash dividends	$1,150,000,000	2
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$757,280,000	7
2003-12-31 (YTD Data)		Rank
Total interest income	$9,028,000,000	8
Total interest expense	$2,347,000,000	7
Net interest income	$6,681,000,000	7
Provision for loan and lease losses	$1,047,000,000	8
Total noninterest income	$4,051,000,000	12
Gross Fiduciary activities income	$481,000,000	10
Service charges on deposit accounts	$1,119,000,000	6
Trading account gains and fees	$325,000,000	6
Additional Noninterest Income	$2,126,000,000	16
Total noninterest expense	$5,705,000,000	8
Salaries and employee benefits	$2,982,000,000	6
Premises and equipment expense	$879,000,000	7
Additional noninterest expense	$1,844,000,000	14
Pre-tax net operating income	$3,980,000,000	8
Securities gains (losses)	$139,000,000	14
Applicable income taxes	$1,494,000,000	8
Income before extraordinary items	$2,625,000,000	8
Extraordinary gains, net	$-9,000,000	9,180
Net income	$2,616,000,000	8
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,728,000,000	3
Cash dividends	$2,100,000,000	9
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$2,536,040,000	8
2003-09-30 (YTD Data)		Rank
Total interest income	$6,733,000,000	8
Total interest expense	$1,788,000,000	7
Net interest income	$4,945,000,000	7
Provision for loan and lease losses	$862,000,000	7
Total noninterest income	$2,924,000,000	11
Gross Fiduciary activities income	$356,000,000	10
Service charges on deposit accounts	$838,000,000	7
Trading account gains and fees	$230,000,000	6
Additional Noninterest Income	$1,500,000,000	16
Total noninterest expense	$4,186,000,000	8
Salaries and employee benefits	$2,186,000,000	6
Premises and equipment expense	$665,000,000	6
Additional noninterest expense	$1,335,000,000	14
Pre-tax net operating income	$2,821,000,000	7
Securities gains (losses)	$115,000,000	15
Applicable income taxes	$1,076,000,000	8
Income before extraordinary items	$1,860,000,000	8
Extraordinary gains, net	$-3,000,000	9,232
Net income	$1,857,000,000	8
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,478,000,000	2
Cash dividends	$1,450,000,000	8
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$1,786,400,000	7
2003-06-30 (YTD Data)		Rank
Total interest income	$4,578,000,000	7
Total interest expense	$1,237,000,000	7
Net interest income	$3,341,000,000	7
Provision for loan and lease losses	$582,000,000	9
Total noninterest income	$1,868,000,000	11
Gross Fiduciary activities income	$234,000,000	11
Service charges on deposit accounts	$552,000,000	6
Trading account gains and fees	$167,000,000	6
Additional Noninterest Income	$915,000,000	17
Total noninterest expense	$2,801,000,000	9
Salaries and employee benefits	$1,443,000,000	6
Premises and equipment expense	$448,000,000	6
Additional noninterest expense	$910,000,000	14
Pre-tax net operating income	$1,826,000,000	7
Securities gains (losses)	$72,000,000	22
Applicable income taxes	$702,000,000	8
Income before extraordinary items	$1,196,000,000	8
Extraordinary gains, net	$-3,000,000	9,267
Net income	$1,193,000,000	8
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,147,000,000	2
Cash dividends	$850,000,000	8
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$1,149,920,000	7
2003-03-31 (YTD Data)		Rank
Total interest income	$2,303,000,000	6
Total interest expense	$624,000,000	7
Net interest income	$1,679,000,000	7
Provision for loan and lease losses	$299,000,000	10
Total noninterest income	$924,000,000	11
Gross Fiduciary activities income	$113,000,000	11
Service charges on deposit accounts	$270,000,000	6
Trading account gains and fees	$90,000,000	6
Additional Noninterest Income	$451,000,000	19
Total noninterest expense	$1,374,000,000	8
Salaries and employee benefits	$718,000,000	6
Premises and equipment expense	$226,000,000	5
Additional noninterest expense	$430,000,000	14
Pre-tax net operating income	$930,000,000	7
Securities gains (losses)	$36,000,000	19
Applicable income taxes	$344,000,000	8
Income before extraordinary items	$622,000,000	8
Extraordinary gains, net	$-6,000,000	9,312
Net income	$616,000,000	8
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$643,000,000	2
Cash dividends	$250,000,000	13
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$598,960,000	7
2002-12-31 (YTD Data)		Rank
Total interest income	$9,805,000,000	6
Total interest expense	$3,119,000,000	7
Net interest income	$6,686,000,000	7
Provision for loan and lease losses	$2,735,000,000	2
Total noninterest income	$4,246,000,000	11
Gross Fiduciary activities income	$508,000,000	11
Service charges on deposit accounts	$1,103,000,000	5
Trading account gains and fees	$281,000,000	5
Additional Noninterest Income	$2,354,000,000	14
Total noninterest expense	$5,538,000,000	7
Salaries and employee benefits	$2,699,000,000	6
Premises and equipment expense	$887,000,000	5
Additional noninterest expense	$1,952,000,000	12
Pre-tax net operating income	$2,659,000,000	8
Securities gains (losses)	$6,000,000	139
Applicable income taxes	$884,000,000	10
Income before extraordinary items	$1,781,000,000	8
Extraordinary gains, net	$138,000,000	1
Net income	$1,919,000,000	8
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,184,000,000	4
Cash dividends	$1,250,000,000	8
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,776,980,000	8
2001-12-31 (YTD Data)		Rank
Total interest income	$13,411,000,000	5
Total interest expense	$5,802,000,000	6
Net interest income	$7,609,000,000	4
Provision for loan and lease losses	$2,293,000,000	4
Total noninterest income	$4,693,000,000	6
Gross Fiduciary activities income	$623,000,000	9
Service charges on deposit accounts	$1,055,000,000	3
Trading account gains and fees	$420,000,000	4
Additional Noninterest Income	$2,595,000,000	9
Total noninterest expense	$6,744,000,000	5
Salaries and employee benefits	$3,218,000,000	4
Premises and equipment expense	$1,045,000,000	5
Additional noninterest expense	$2,481,000,000	7
Pre-tax net operating income	$3,265,000,000	4
Securities gains (losses)	$-278,000,000	9,614
Applicable income taxes	$1,050,000,000	6
Income before extraordinary items	$1,937,000,000	6
Extraordinary gains, net	$-277,000,000	9,613
Net income	$1,660,000,000	7
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,369,000,000	5
Cash dividends	$2,059,000,000	4
Sale, conversion, retirement of capital stock, net	$-131,000,000	9,614
Net operating income	$2,117,700,000	4
2000-12-31 (YTD Data)		Rank
Total interest income	$12,911,000,000	5
Total interest expense	$6,277,000,000	6
Net interest income	$6,634,000,000	5
Provision for loan and lease losses	$1,180,000,000	5
Total noninterest income	$5,665,000,000	5
Gross Fiduciary activities income	$516,000,000	11
Service charges on deposit accounts	$712,000,000	5
Trading account gains and fees	$415,000,000	5
Additional Noninterest Income	$4,022,000,000	5
Total noninterest expense	$6,450,000,000	5
Salaries and employee benefits	$3,100,000,000	5
Premises and equipment expense	$980,000,000	5
Additional noninterest expense	$2,370,000,000	7
Pre-tax net operating income	$4,669,000,000	4
Securities gains (losses)	$-44,000,000	9,888
Applicable income taxes	$1,799,000,000	3
Income before extraordinary items	$2,826,000,000	4
Extraordinary gains, net	$0	38
Net income	$2,826,000,000	4
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,129,000,000	4
Cash dividends	$2,871,000,000	2
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$2,854,160,000	4
1999-12-31 (YTD Data)		Rank
Total interest income	$5,508,057,000	8
Total interest expense	$2,745,225,000	7
Net interest income	$2,762,832,000	9
Provision for loan and lease losses	$356,466,000	13
Total noninterest income	$1,710,763,000	20
Gross Fiduciary activities income	$178,422,000	27
Service charges on deposit accounts	$219,328,000	14
Trading account gains and fees	$87,907,000	12
Additional Noninterest Income	$1,225,106,000	21
Total noninterest expense	$3,260,057,000	10
Salaries and employee benefits	$1,454,689,000	9
Premises and equipment expense	$435,505,000	9
Additional noninterest expense	$1,369,863,000	15
Pre-tax net operating income	$857,072,000	22
Securities gains (losses)	$2,264,000	126
Applicable income taxes	$345,712,000	23
Income before extraordinary items	$513,624,000	26
Extraordinary gains, net	$0	35
Net income	$513,624,000	25
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$263,388,000	17
Cash dividends	$300,000,000	36
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$512,175,040	26
1998-12-31 (YTD Data)		Rank
Total interest income	$5,388,832,000	10
Total interest expense	$2,814,561,000	9
Net interest income	$2,574,271,000	10
Provision for loan and lease losses	$343,612,000	13
Total noninterest income	$1,610,748,000	20
Gross Fiduciary activities income	$187,362,000	23
Service charges on deposit accounts	$191,128,000	15
Trading account gains and fees	$48,226,000	19
Additional Noninterest Income	$1,184,032,000	17
Total noninterest expense	$2,601,212,000	12
Salaries and employee benefits	$1,359,148,000	9
Premises and equipment expense	$380,773,000	11
Additional noninterest expense	$861,291,000	21
Pre-tax net operating income	$1,240,195,000	14
Securities gains (losses)	$30,370,000	27
Applicable income taxes	$473,418,000	14
Income before extraordinary items	$797,147,000	15
Extraordinary gains, net	$0	32
Net income	$797,147,000	15
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$328,442,000	19
Cash dividends	$400,000,000	24
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$777,710,200	15
1997-12-31 (YTD Data)		Rank
Total interest income	$4,888,575,000	10
Total interest expense	$2,550,041,000	8
Net interest income	$2,338,534,000	11
Provision for loan and lease losses	$169,872,000	28
Total noninterest income	$1,218,423,000	22
Gross Fiduciary activities income	$134,591,000	23
Service charges on deposit accounts	$170,550,000	19
Trading account gains and fees	$96,733,000	13
Additional Noninterest Income	$816,549,000	17
Total noninterest expense	$2,158,125,000	15
Salaries and employee benefits	$1,128,163,000	9
Premises and equipment expense	$330,857,000	11
Additional noninterest expense	$699,105,000	23
Pre-tax net operating income	$1,228,960,000	13
Securities gains (losses)	$69,966,000	9
Applicable income taxes	$512,116,000	11
Income before extraordinary items	$786,810,000	13
Extraordinary gains, net	$0	44
Net income	$786,810,000	13
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$249,577,000	18
Cash dividends	$745,989,000	9
Sale, conversion, retirement of capital stock, net	$-2,627,000	10,899
Net operating income	$742,031,760	13
1996-12-31 (YTD Data)		Rank
Total interest income	$3,477,206,000	10
Total interest expense	$2,049,149,000	8
Net interest income	$1,428,057,000	13
Provision for loan and lease losses	$66,953,000	57
Total noninterest income	$944,990,000	21
Gross Fiduciary activities income	$165,794,000	16
Service charges on deposit accounts	$72,896,000	40
Trading account gains and fees	$44,874,000	13
Additional Noninterest Income	$661,426,000	17
Total noninterest expense	$1,531,503,000	15
Salaries and employee benefits	$772,034,000	12
Premises and equipment expense	$213,194,000	18
Additional noninterest expense	$546,275,000	24
Pre-tax net operating income	$774,591,000	15
Securities gains (losses)	$27,269,000	16
Applicable income taxes	$368,284,000	10
Income before extraordinary items	$433,576,000	18
Extraordinary gains, net	$0	53
Net income	$433,576,000	18
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$70,498,000	49
Cash dividends	$324,911,000	23
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$416,123,840	18
1995-12-31 (YTD Data)		Rank
Total interest income	$3,734,348,000	8
Total interest expense	$2,346,882,000	9
Net interest income	$1,387,466,000	9
Provision for loan and lease losses	$165,770,000	18
Total noninterest income	$952,055,000	16
Gross Fiduciary activities income	$169,104,000	14
Service charges on deposit accounts	$71,468,000	35
Trading account gains and fees	$79,363,000	12
Additional Noninterest Income	$632,120,000	16
Total noninterest expense	$1,553,313,000	10
Salaries and employee benefits	$746,604,000	10
Premises and equipment expense	$204,803,000	16
Additional noninterest expense	$601,906,000	13
Pre-tax net operating income	$620,438,000	17
Securities gains (losses)	$2,157,000	121
Applicable income taxes	$281,556,000	13
Income before extraordinary items	$341,039,000	21
Extraordinary gains, net	$0	65
Net income	$341,039,000	20
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$108,552,000	27
Cash dividends	$80,026,000	91
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$339,658,520	22
1994-12-31 (YTD Data)		Rank
Total interest income	$3,110,039,000	7
Total interest expense	$1,914,060,000	7
Net interest income	$1,195,979,000	11
Provision for loan and lease losses	$124,142,000	17
Total noninterest income	$784,486,000	17
Gross Fiduciary activities income	$152,742,000	15
Service charges on deposit accounts	$72,059,000	36
Trading account gains and fees	$56,418,000	11
Additional Noninterest Income	$503,267,000	14
Total noninterest expense	$1,283,348,000	12
Salaries and employee benefits	$650,948,000	11
Premises and equipment expense	$187,572,000	14
Additional noninterest expense	$444,828,000	21
Pre-tax net operating income	$572,975,000	16
Securities gains (losses)	$13,961,000	12
Applicable income taxes	$265,790,000	10
Income before extraordinary items	$321,146,000	21
Extraordinary gains, net	$0	249
Net income	$321,146,000	21
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$151,225,000	18
Cash dividends	$66,154,000	86
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$312,210,960	21
1993-12-31 (YTD Data)		Rank
Total interest income	$6,022,049,000	5
Total interest expense	$4,965,979,000	2
Net interest income	$1,056,070,000	11
Provision for loan and lease losses	$31,593,000	111
Total noninterest income	$486,171,000	21
Gross Fiduciary activities income	$116,663,000	16
Service charges on deposit accounts	$62,106,000	44
Trading account gains and fees	$68,890,000	14
Additional Noninterest Income	$238,512,000	30
Total noninterest expense	$1,122,322,000	14
Salaries and employee benefits	$556,472,000	11
Premises and equipment expense	$165,108,000	14
Additional noninterest expense	$400,742,000	23
Pre-tax net operating income	$388,326,000	24
Securities gains (losses)	$9,044,000	91
Applicable income taxes	$178,915,000	17
Income before extraordinary items	$218,455,000	32
Extraordinary gains, net	$-89,521,000	13,283
Net income	$128,934,000	62
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$130,933,000	28
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$212,666,840	32
1992-12-31 (YTD Data)		Rank
Total interest income	$4,206,484,000	6
Total interest expense	$3,318,448,000	6
Net interest income	$888,036,000	14
Provision for loan and lease losses	$50,728,000	101
Total noninterest income	$584,822,000	15
Gross Fiduciary activities income	$104,317,000	17
Service charges on deposit accounts	$58,464,000	44
Trading account gains and fees	$60,117,000	12
Additional Noninterest Income	$361,924,000	17
Total noninterest expense	$1,108,646,000	13
Salaries and employee benefits	$521,007,000	10
Premises and equipment expense	$165,904,000	14
Additional noninterest expense	$421,735,000	18
Pre-tax net operating income	$313,484,000	20
Securities gains (losses)	$19,004,000	66
Applicable income taxes	$140,403,000	14
Income before extraordinary items	$192,085,000	24
Extraordinary gains, net	$93,745,000	2
Net income	$285,830,000	15
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$135,250,000	37
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$179,922,440	25

* 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.