Home > Key Bank USA > Income and Expense

Key Bank USA, Income and Expense

2004-09-30 (YTD Data)		Rank
Total interest income	$534,918,000	80
Total interest expense	$159,673,000	85
Net interest income	$375,245,000	76
Provision for loan and lease losses	$65,408,000	49
Total noninterest income	$157,452,000	105
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$11,833,000	137
Trading account gains and fees	$-9,281,000	9,019
Additional Noninterest Income	$154,900,000	77
Total noninterest expense	$254,843,000	97
Salaries and employee benefits	$74,811,000	120
Premises and equipment expense	$22,514,000	113
Additional noninterest expense	$157,518,000	76
Pre-tax net operating income	$212,446,000	88
Securities gains (losses)	$0	3,710
Applicable income taxes	$78,286,000	86
Income before extraordinary items	$134,160,000	95
Extraordinary gains, net	$0	26
Net income	$134,160,000	96
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$64,504,000	51
Cash dividends	$111,000,000	61
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$134,160,000	93
2004-06-30 (YTD Data)		Rank
Total interest income	$354,315,000	80
Total interest expense	$102,322,000	86
Net interest income	$251,993,000	77
Provision for loan and lease losses	$34,868,000	54
Total noninterest income	$95,461,000	117
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$7,679,000	138
Trading account gains and fees	$-10,924,000	9,073
Additional Noninterest Income	$98,706,000	84
Total noninterest expense	$172,821,000	97
Salaries and employee benefits	$50,264,000	121
Premises and equipment expense	$15,021,000	113
Additional noninterest expense	$107,536,000	78
Pre-tax net operating income	$139,765,000	91
Securities gains (losses)	$0	3,413
Applicable income taxes	$51,194,000	87
Income before extraordinary items	$88,571,000	98
Extraordinary gains, net	$0	21
Net income	$88,571,000	99
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$43,964,000	54
Cash dividends	$111,000,000	48
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$88,571,000	92
2004-03-31 (YTD Data)		Rank
Total interest income	$179,506,000	79
Total interest expense	$52,007,000	83
Net interest income	$127,499,000	76
Provision for loan and lease losses	$26,595,000	41
Total noninterest income	$51,860,000	107
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$3,689,000	142
Trading account gains and fees	$-8,259,000	9,115
Additional Noninterest Income	$56,430,000	73
Total noninterest expense	$87,708,000	96
Salaries and employee benefits	$26,842,000	118
Premises and equipment expense	$7,214,000	120
Additional noninterest expense	$53,652,000	77
Pre-tax net operating income	$65,056,000	90
Securities gains (losses)	$0	2,934
Applicable income taxes	$23,904,000	88
Income before extraordinary items	$41,152,000	99
Extraordinary gains, net	$0	16
Net income	$41,152,000	100
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$26,595,000	43
Cash dividends	$15,000,000	92
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$41,152,000	94
2003-12-31 (YTD Data)		Rank
Total interest income	$718,991,000	78
Total interest expense	$214,191,000	86
Net interest income	$504,800,000	75
Provision for loan and lease losses	$119,190,000	49
Total noninterest income	$205,079,000	110
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$16,162,000	139
Trading account gains and fees	$-14,351,000	9,177
Additional Noninterest Income	$203,268,000	80
Total noninterest expense	$344,909,000	98
Salaries and employee benefits	$101,635,000	125
Premises and equipment expense	$29,596,000	115
Additional noninterest expense	$213,678,000	80
Pre-tax net operating income	$245,780,000	88
Securities gains (losses)	$0	4,500
Applicable income taxes	$88,805,000	87
Income before extraordinary items	$156,975,000	93
Extraordinary gains, net	$0	54
Net income	$156,975,000	94
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$94,190,000	61
Cash dividends	$20,000,000	241
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$156,975,000	89
2003-09-30 (YTD Data)		Rank
Total interest income	$540,885,000	78
Total interest expense	$161,532,000	86
Net interest income	$379,353,000	76
Provision for loan and lease losses	$91,608,000	48
Total noninterest income	$155,049,000	109
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$12,276,000	141
Trading account gains and fees	$-15,653,000	9,230
Additional Noninterest Income	$158,426,000	78
Total noninterest expense	$254,620,000	100
Salaries and employee benefits	$76,045,000	124
Premises and equipment expense	$22,541,000	116
Additional noninterest expense	$156,034,000	83
Pre-tax net operating income	$188,174,000	87
Securities gains (losses)	$0	4,204
Applicable income taxes	$68,535,000	87
Income before extraordinary items	$119,639,000	91
Extraordinary gains, net	$0	40
Net income	$119,639,000	91
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$70,608,000	60
Cash dividends	$20,000,000	192
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$119,639,000	89
2003-06-30 (YTD Data)		Rank
Total interest income	$355,166,000	82
Total interest expense	$108,744,000	88
Net interest income	$246,422,000	78
Provision for loan and lease losses	$60,384,000	50
Total noninterest income	$94,714,000	114
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$8,011,000	143
Trading account gains and fees	$-9,649,000	9,264
Additional Noninterest Income	$96,352,000	82
Total noninterest expense	$167,833,000	99
Salaries and employee benefits	$50,778,000	125
Premises and equipment expense	$15,040,000	117
Additional noninterest expense	$102,015,000	82
Pre-tax net operating income	$112,919,000	92
Securities gains (losses)	$0	3,782
Applicable income taxes	$41,015,000	94
Income before extraordinary items	$71,904,000	104
Extraordinary gains, net	$0	30
Net income	$71,904,000	104
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$43,384,000	63
Cash dividends	$20,000,000	129
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$71,904,000	96
2003-03-31 (YTD Data)		Rank
Total interest income	$175,812,000	81
Total interest expense	$54,174,000	90
Net interest income	$121,638,000	78
Provision for loan and lease losses	$23,938,000	58
Total noninterest income	$47,088,000	112
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$3,893,000	146
Trading account gains and fees	$-3,829,000	9,307
Additional Noninterest Income	$47,024,000	84
Total noninterest expense	$83,357,000	102
Salaries and employee benefits	$26,118,000	124
Premises and equipment expense	$7,470,000	118
Additional noninterest expense	$49,769,000	77
Pre-tax net operating income	$61,431,000	86
Securities gains (losses)	$0	2,891
Applicable income taxes	$22,397,000	84
Income before extraordinary items	$39,034,000	94
Extraordinary gains, net	$0	21
Net income	$39,034,000	94
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,938,000	58
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$39,034,000	89
2002-12-31 (YTD Data)		Rank
Total interest income	$684,107,000	85
Total interest expense	$236,365,000	96
Net interest income	$447,742,000	76
Provision for loan and lease losses	$113,540,000	53
Total noninterest income	$200,460,000	103
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$18,247,000	132
Trading account gains and fees	$-2,385,000	9,341
Additional Noninterest Income	$184,598,000	76
Total noninterest expense	$339,373,000	99
Salaries and employee benefits	$95,667,000	125
Premises and equipment expense	$30,841,000	115
Additional noninterest expense	$212,865,000	78
Pre-tax net operating income	$195,289,000	101
Securities gains (losses)	$0	4,537
Applicable income taxes	$70,786,000	94
Income before extraordinary items	$124,503,000	108
Extraordinary gains, net	$0	70
Net income	$124,503,000	108
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$88,209,000	66
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$124,503,000	102
2001-12-31 (YTD Data)		Rank
Total interest income	$651,179,000	101
Total interest expense	$279,565,000	116
Net interest income	$371,614,000	91
Provision for loan and lease losses	$168,005,000	45
Total noninterest income	$160,313,000	121
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$19,956,000	115
Trading account gains and fees	$-39,128,000	9,612
Additional Noninterest Income	$179,485,000	85
Total noninterest expense	$462,273,000	85
Salaries and employee benefits	$82,466,000	132
Premises and equipment expense	$31,204,000	108
Additional noninterest expense	$348,603,000	60
Pre-tax net operating income	$-98,351,000	9,627
Securities gains (losses)	$0	4,612
Applicable income taxes	$22,530,000	191
Income before extraordinary items	$-120,881,000	9,613
Extraordinary gains, net	$-19,833,000	9,612
Net income	$-140,714,000	9,612
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$131,355,000	46
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$-120,881,000	9,613
2000-12-31 (YTD Data)		Rank
Total interest income	$483,880,000	138
Total interest expense	$226,743,000	149
Net interest income	$257,137,000	121
Provision for loan and lease losses	$11,305,000	187
Total noninterest income	$544,914,000	58
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$92,000	6,724
Trading account gains and fees	$3,565,000	53
Additional Noninterest Income	$541,257,000	41
Total noninterest expense	$310,389,000	107
Salaries and employee benefits	$92,446,000	124
Premises and equipment expense	$35,971,000	105
Additional noninterest expense	$181,972,000	96
Pre-tax net operating income	$480,357,000	47
Securities gains (losses)	$0	1,956
Applicable income taxes	$185,480,000	45
Income before extraordinary items	$294,877,000	48
Extraordinary gains, net	$0	38
Net income	$294,877,000	48
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$60,234,000	74
Cash dividends	$440,000,000	25
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$294,877,000	50
1999-12-31 (YTD Data)		Rank
Total interest income	$568,449,000	105
Total interest expense	$232,465,000	119
Net interest income	$335,984,000	99
Provision for loan and lease losses	$130,579,000	34
Total noninterest income	$347,565,000	72
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$758,000	1,750
Trading account gains and fees	$24,918,000	21
Additional Noninterest Income	$321,889,000	59
Total noninterest expense	$346,189,000	90
Salaries and employee benefits	$105,833,000	108
Premises and equipment expense	$39,454,000	99
Additional noninterest expense	$200,902,000	80
Pre-tax net operating income	$206,781,000	91
Securities gains (losses)	$0	3,155
Applicable income taxes	$84,813,000	85
Income before extraordinary items	$121,968,000	102
Extraordinary gains, net	$0	35
Net income	$121,968,000	102
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$95,767,000	45
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$121,968,000	99
1998-12-31 (YTD Data)		Rank
Total interest income	$450,497,000	128
Total interest expense	$196,825,000	135
Net interest income	$253,672,000	123
Provision for loan and lease losses	$106,381,000	43
Total noninterest income	$148,162,000	125
Gross Fiduciary activities income	$0	1,398
Service charges on deposit accounts	$91,000	7,039
Trading account gains and fees	$1,316,000	89
Additional Noninterest Income	$146,755,000	100
Total noninterest expense	$227,138,000	129
Salaries and employee benefits	$81,827,000	125
Premises and equipment expense	$22,805,000	137
Additional noninterest expense	$122,506,000	126
Pre-tax net operating income	$68,315,000	196
Securities gains (losses)	$0	4,449
Applicable income taxes	$32,795,000	162
Income before extraordinary items	$35,520,000	233
Extraordinary gains, net	$0	32
Net income	$35,520,000	234
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$111,701,000	41
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$35,520,000	229
1997-12-31 (YTD Data)		Rank
Total interest income	$380,073,000	155
Total interest expense	$170,150,000	161
Net interest income	$209,923,000	144
Provision for loan and lease losses	$121,602,000	40
Total noninterest income	$159,343,000	102
Gross Fiduciary activities income	$0	1,450
Service charges on deposit accounts	$110,000	6,987
Trading account gains and fees	$0	239
Additional Noninterest Income	$159,233,000	74
Total noninterest expense	$225,718,000	123
Salaries and employee benefits	$63,629,000	147
Premises and equipment expense	$13,459,000	198
Additional noninterest expense	$148,630,000	92
Pre-tax net operating income	$21,946,000	423
Securities gains (losses)	$0	3,944
Applicable income taxes	$11,865,000	313
Income before extraordinary items	$10,081,000	599
Extraordinary gains, net	$0	44
Net income	$10,081,000	599
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$109,828,000	43
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$288,638,000	4
Net operating income	$10,081,000	578
1996-12-31 (YTD Data)		Rank
Total interest income	$306,088,000	190
Total interest expense	$152,892,000	186
Net interest income	$153,196,000	201
Provision for loan and lease losses	$75,750,000	46
Total noninterest income	$161,382,000	104
Gross Fiduciary activities income	$0	1,526
Service charges on deposit accounts	$52,000	8,785
Trading account gains and fees	$0	262
Additional Noninterest Income	$161,330,000	70
Total noninterest expense	$196,755,000	147
Salaries and employee benefits	$49,880,000	190
Premises and equipment expense	$8,790,000	302
Additional noninterest expense	$138,085,000	109
Pre-tax net operating income	$42,073,000	276
Securities gains (losses)	$0	4,148
Applicable income taxes	$14,357,000	284
Income before extraordinary items	$27,716,000	276
Extraordinary gains, net	$0	53
Net income	$27,716,000	276
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$68,537,000	52
Cash dividends	$9,000,000	453
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$27,716,000	268
1995-12-31 (YTD Data)		Rank
Total interest income	$80,511,000	538
Total interest expense	$45,602,000	479
Net interest income	$34,909,000	589
Provision for loan and lease losses	$15,939,000	137
Total noninterest income	$21,726,000	374
Gross Fiduciary activities income	$0	1,590
Service charges on deposit accounts	$2,000	10,293
Trading account gains and fees	$0	522
Additional Noninterest Income	$21,724,000	260
Total noninterest expense	$21,559,000	742
Salaries and employee benefits	$3,301,000	2,010
Premises and equipment expense	$223,000	6,784
Additional noninterest expense	$18,035,000	461
Pre-tax net operating income	$19,137,000	500
Securities gains (losses)	$0	3,831
Applicable income taxes	$7,009,000	476
Income before extraordinary items	$12,128,000	517
Extraordinary gains, net	$0	65
Net income	$12,128,000	517
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,551,000	148
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$12,128,000	514

* 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.