Keybank, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $287,430,000 | 205 |
| Total interest expense | $124,038,000 | 224 |
| Net interest income | $163,392,000 | 190 |
| Provision for loan and lease losses | $5,741,000 | 308 |
| Total noninterest income | $54,780,000 | 216 |
| Gross Fiduciary activities income | $11,702,000 | 130 |
| Service charges on deposit accounts | $15,940,000 | 146 |
| Trading account gains and fees | $194,000 | 155 |
| Additional Noninterest Income | $26,944,000 | 238 |
| Total noninterest expense | $136,320,000 | 201 |
| Salaries and employee benefits | $42,385,000 | 221 |
| Premises and equipment expense | $15,280,000 | 210 |
| Additional noninterest expense | $78,655,000 | 174 |
| Pre-tax net operating income | $76,111,000 | 185 |
| Securities gains (losses) | $-1,268,000 | 11,415 |
| Applicable income taxes | $24,950,000 | 196 |
| Income before extraordinary items | $49,893,000 | 186 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $49,893,000 | 186 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,858,000 | 273 |
| Cash dividends | $45,279,000 | 149 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $50,742,560 | 183 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $289,314,000 | 207 |
| Total interest expense | $126,047,000 | 227 |
| Net interest income | $163,267,000 | 191 |
| Provision for loan and lease losses | $7,963,000 | 221 |
| Total noninterest income | $47,326,000 | 237 |
| Gross Fiduciary activities income | $9,487,000 | 161 |
| Service charges on deposit accounts | $14,067,000 | 173 |
| Trading account gains and fees | $739,000 | 149 |
| Additional Noninterest Income | $23,033,000 | 256 |
| Total noninterest expense | $126,276,000 | 207 |
| Salaries and employee benefits | $42,464,000 | 223 |
| Premises and equipment expense | $15,725,000 | 203 |
| Additional noninterest expense | $68,087,000 | 191 |
| Pre-tax net operating income | $76,354,000 | 194 |
| Securities gains (losses) | $-346,000 | 11,769 |
| Applicable income taxes | $25,999,000 | 187 |
| Income before extraordinary items | $50,009,000 | 194 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $50,009,000 | 193 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,060,000 | 313 |
| Cash dividends | $38,390,000 | 159 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $50,237,360 | 192 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $201,957,000 | 240 |
| Total interest expense | $76,430,000 | 271 |
| Net interest income | $125,527,000 | 233 |
| Provision for loan and lease losses | $10,499,000 | 188 |
| Total noninterest income | $33,612,000 | 287 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $11,470,000 | 198 |
| Trading account gains and fees | $673,000 | 133 |
| Additional Noninterest Income | $21,469,000 | 260 |
| Total noninterest expense | $95,751,000 | 253 |
| Salaries and employee benefits | $32,149,000 | 285 |
| Premises and equipment expense | $12,431,000 | 245 |
| Additional noninterest expense | $51,171,000 | 233 |
| Pre-tax net operating income | $52,889,000 | 240 |
| Securities gains (losses) | $-193,000 | 11,928 |
| Applicable income taxes | $17,970,000 | 227 |
| Income before extraordinary items | $34,726,000 | 230 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $34,726,000 | 229 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,423,000 | 281 |
| Cash dividends | $15,458,000 | 254 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $34,853,380 | 234 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $189,976,000 | 242 |
| Total interest expense | $65,747,000 | 290 |
| Net interest income | $124,229,000 | 223 |
| Provision for loan and lease losses | $20,287,000 | 157 |
| Total noninterest income | $32,596,000 | 285 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $11,790,000 | 196 |
| Trading account gains and fees | $833,000 | 147 |
| Additional Noninterest Income | $19,973,000 | 275 |
| Total noninterest expense | $94,900,000 | 250 |
| Salaries and employee benefits | $31,698,000 | 279 |
| Premises and equipment expense | $11,819,000 | 249 |
| Additional noninterest expense | $51,383,000 | 236 |
| Pre-tax net operating income | $41,638,000 | 245 |
| Securities gains (losses) | $-146,000 | 13,203 |
| Applicable income taxes | $13,700,000 | 245 |
| Income before extraordinary items | $27,792,000 | 252 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $27,792,000 | 259 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,271,000 | 184 |
| Cash dividends | $7,257,000 | 360 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $27,889,820 | 243 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $200,934,000 | 259 |
| Total interest expense | $82,282,000 | 297 |
| Net interest income | $118,652,000 | 219 |
| Provision for loan and lease losses | $40,091,000 | 127 |
| Total noninterest income | $31,573,000 | 284 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $11,455,000 | 185 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $20,118,000 | 273 |
| Total noninterest expense | $90,929,000 | 266 |
| Salaries and employee benefits | $28,934,000 | 284 |
| Premises and equipment expense | $10,397,000 | 284 |
| Additional noninterest expense | $51,598,000 | 237 |
| Pre-tax net operating income | $19,205,000 | 354 |
| Securities gains (losses) | $-92,000 | 13,769 |
| Applicable income taxes | $5,031,000 | 475 |
| Income before extraordinary items | $14,082,000 | 366 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $14,082,000 | 369 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,181,000 | 135 |
| Cash dividends | $1,107,000 | 1,416 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $14,150,080 | 330 |
* 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.