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KeyBank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$581,971,000	114
Total interest expense	$248,420,000	124
Net interest income	$333,551,000	105
Provision for loan and lease losses	$10,545,000	194
Total noninterest income	$117,387,000	139
Gross Fiduciary activities income	$0	1,526
Service charges on deposit accounts	$50,419,000	67
Trading account gains and fees	$1,713,000	82
Additional Noninterest Income	$65,255,000	147
Total noninterest expense	$311,550,000	100
Salaries and employee benefits	$103,445,000	107
Premises and equipment expense	$32,789,000	108
Additional noninterest expense	$175,316,000	83
Pre-tax net operating income	$128,843,000	118
Securities gains (losses)	$38,000	1,523
Applicable income taxes	$39,088,000	139
Income before extraordinary items	$89,793,000	113
Extraordinary gains, net	$0	53
Net income	$89,793,000	112
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,282,000	222
Cash dividends	$120,000,000	73
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$89,766,400	112
1995-12-31 (YTD Data)		Rank
Total interest income	$586,014,000	106
Total interest expense	$263,495,000	119
Net interest income	$322,519,000	97
Provision for loan and lease losses	$14,308,000	148
Total noninterest income	$101,966,000	143
Gross Fiduciary activities income	$0	1,590
Service charges on deposit accounts	$46,466,000	70
Trading account gains and fees	$4,374,000	64
Additional Noninterest Income	$51,126,000	154
Total noninterest expense	$294,795,000	97
Salaries and employee benefits	$98,642,000	113
Premises and equipment expense	$32,685,000	110
Additional noninterest expense	$163,468,000	84
Pre-tax net operating income	$115,382,000	130
Securities gains (losses)	$-1,227,000	11,878
Applicable income taxes	$35,447,000	151
Income before extraordinary items	$78,708,000	123
Extraordinary gains, net	$0	65
Net income	$78,708,000	122
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,621,000	213
Cash dividends	$39,000,000	157
Sale, conversion, retirement of capital stock, net	$-12,565,000	10,538
Net operating income	$79,554,630	123
1994-12-31 (YTD Data)		Rank
Total interest income	$532,358,000	100
Total interest expense	$202,134,000	112
Net interest income	$330,224,000	84
Provision for loan and lease losses	$20,950,000	107
Total noninterest income	$89,524,000	153
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$48,307,000	65
Trading account gains and fees	$1,296,000	103
Additional Noninterest Income	$39,921,000	181
Total noninterest expense	$285,457,000	92
Salaries and employee benefits	$102,036,000	107
Premises and equipment expense	$33,919,000	104
Additional noninterest expense	$149,502,000	93
Pre-tax net operating income	$113,341,000	124
Securities gains (losses)	$-5,089,000	12,552
Applicable income taxes	$33,496,000	144
Income before extraordinary items	$74,756,000	129
Extraordinary gains, net	$0	249
Net income	$74,756,000	129
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,030,000	196
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$-59,990,000	12,605
Net operating income	$78,267,410	122
1993-12-31 (YTD Data)		Rank
Total interest income	$498,757,000	97
Total interest expense	$151,627,000	129
Net interest income	$347,130,000	76
Provision for loan and lease losses	$22,000,000	142
Total noninterest income	$98,733,000	132
Gross Fiduciary activities income	$0	1,630
Service charges on deposit accounts	$46,092,000	63
Trading account gains and fees	$1,318,000	120
Additional Noninterest Income	$51,323,000	131
Total noninterest expense	$292,319,000	87
Salaries and employee benefits	$106,772,000	92
Premises and equipment expense	$30,007,000	115
Additional noninterest expense	$155,540,000	80
Pre-tax net operating income	$131,544,000	88
Securities gains (losses)	$243,000	1,484
Applicable income taxes	$41,557,000	97
Income before extraordinary items	$90,230,000	95
Extraordinary gains, net	$0	3,149
Net income	$90,230,000	100
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,177,000	219
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$-67,445,000	13,281
Net operating income	$90,064,760	91
1992-12-31 (YTD Data)		Rank
Total interest income	$155,983,000	316
Total interest expense	$63,131,000	355
Net interest income	$92,852,000	273
Provision for loan and lease losses	$5,050,000	591
Total noninterest income	$21,328,000	373
Gross Fiduciary activities income	$0	1,658
Service charges on deposit accounts	$8,278,000	233
Trading account gains and fees	$377,000	189
Additional Noninterest Income	$12,673,000	377
Total noninterest expense	$82,817,000	282
Salaries and employee benefits	$27,080,000	304
Premises and equipment expense	$10,076,000	290
Additional noninterest expense	$45,661,000	260
Pre-tax net operating income	$26,313,000	280
Securities gains (losses)	$3,000	7,429
Applicable income taxes	$8,792,000	304
Income before extraordinary items	$17,524,000	304
Extraordinary gains, net	$0	1,422
Net income	$17,524,000	306
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,659,000	554
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$140,000,000	13
Net operating income	$17,521,990	273

* 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.