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Keybank, Income and Expense

1996-12-31 (YTD Data)Rank
Total interest income$100,478,000434
Total interest expense$31,861,000589
Net interest income$68,617,000346
Provision for loan and lease losses$4,202,000374
Total noninterest income$17,510,000418
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$8,779,000221
Trading account gains and fees$0262
Additional Noninterest Income$8,731,000465
Total noninterest expense$56,224,000362
Salaries and employee benefits$19,940,000381
Premises and equipment expense$6,657,000379
Additional noninterest expense$29,627,000331
Pre-tax net operating income$25,701,000382
Securities gains (losses)$04,148
Applicable income taxes$8,585,000398
Income before extraordinary items$17,116,000382
Extraordinary gains, net$053
Net income$17,116,000382
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,540,000410
Cash dividends$25,000,000235
Sale, conversion, retirement of capital stock, net$0953
Net operating income$17,116,000376
1995-12-31 (YTD Data)Rank
Total interest income$94,007,000468
Total interest expense$30,718,000635
Net interest income$63,289,000369
Provision for loan and lease losses$1,691,000652
Total noninterest income$11,618,000542
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$7,389,000260
Trading account gains and fees$0522
Additional Noninterest Income$4,229,000738
Total noninterest expense$44,768,000430
Salaries and employee benefits$16,487,000463
Premises and equipment expense$5,493,000447
Additional noninterest expense$22,788,000395
Pre-tax net operating income$28,448,000371
Securities gains (losses)$-510,00011,806
Applicable income taxes$11,076,000350
Income before extraordinary items$16,862,000401
Extraordinary gains, net$065
Net income$16,862,000399
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,653,000482
Cash dividends$3,003,000906
Sale, conversion, retirement of capital stock, net$0809
Net operating income$17,188,400396
1994-12-31 (YTD Data)Rank
Total interest income$49,495,000707
Total interest expense$16,260,000854
Net interest income$33,235,000620
Provision for loan and lease losses$3,284,000399
Total noninterest income$7,677,000700
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$4,771,000334
Trading account gains and fees$0475
Additional Noninterest Income$2,906,000896
Total noninterest expense$29,483,000593
Salaries and employee benefits$9,689,000722
Premises and equipment expense$3,340,000692
Additional noninterest expense$16,454,000498
Pre-tax net operating income$8,145,000952
Securities gains (losses)$-95,00011,499
Applicable income taxes$3,698,000735
Income before extraordinary items$4,352,0001,164
Extraordinary gains, net$0249
Net income$4,352,0001,164
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,998,000422
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$4,412,8001,161
1993-12-31 (YTD Data)Rank
Total interest income$4,282,0006,540
Total interest expense$1,251,0008,077
Net interest income$3,031,0005,614
Provision for loan and lease losses$230,0003,613
Total noninterest income$467,0005,856
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$312,0004,273
Trading account gains and feesNANA
Additional Noninterest Income$155,0006,451
Total noninterest expense$2,004,0006,330
Salaries and employee benefits$879,0006,841
Premises and equipment expense$183,0008,063
Additional noninterest expense$942,0005,179
Pre-tax net operating income$1,264,0004,980
Securities gains (losses)$1,0007,052
Applicable income taxes$420,0004,830
Income before extraordinary items$845,0005,336
Extraordinary gains, net$03,149
Net income$845,0005,481
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$81,0005,012
Cash dividends$324,0004,181
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$844,3305,111
1992-12-31 (YTD Data)Rank
Total interest income$4,332,0007,098
Total interest expense$1,606,0008,182
Net interest income$2,726,0006,167
Provision for loan and lease losses$590,0002,668
Total noninterest income$625,0004,824
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$323,0004,194
Trading account gains and feesNANA
Additional Noninterest Income$302,0004,408
Total noninterest expense$1,810,0006,914
Salaries and employee benefits$778,0007,408
Premises and equipment expense$150,0009,105
Additional noninterest expense$882,0005,614
Pre-tax net operating income$951,0005,848
Securities gains (losses)$1,0007,986
Applicable income taxes$286,0006,127
Income before extraordinary items$666,0006,130
Extraordinary gains, net$01,422
Net income$666,0006,196
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$929,0001,626
Cash dividends$489,0002,879
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$665,3005,786

* 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.