Keybank, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $100,478,000 | 434 |
| Total interest expense | $31,861,000 | 589 |
| Net interest income | $68,617,000 | 346 |
| Provision for loan and lease losses | $4,202,000 | 374 |
| Total noninterest income | $17,510,000 | 418 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $8,779,000 | 221 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $8,731,000 | 465 |
| Total noninterest expense | $56,224,000 | 362 |
| Salaries and employee benefits | $19,940,000 | 381 |
| Premises and equipment expense | $6,657,000 | 379 |
| Additional noninterest expense | $29,627,000 | 331 |
| Pre-tax net operating income | $25,701,000 | 382 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $8,585,000 | 398 |
| Income before extraordinary items | $17,116,000 | 382 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $17,116,000 | 382 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,540,000 | 410 |
| Cash dividends | $25,000,000 | 235 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $17,116,000 | 376 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $94,007,000 | 468 |
| Total interest expense | $30,718,000 | 635 |
| Net interest income | $63,289,000 | 369 |
| Provision for loan and lease losses | $1,691,000 | 652 |
| Total noninterest income | $11,618,000 | 542 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $7,389,000 | 260 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $4,229,000 | 738 |
| Total noninterest expense | $44,768,000 | 430 |
| Salaries and employee benefits | $16,487,000 | 463 |
| Premises and equipment expense | $5,493,000 | 447 |
| Additional noninterest expense | $22,788,000 | 395 |
| Pre-tax net operating income | $28,448,000 | 371 |
| Securities gains (losses) | $-510,000 | 11,806 |
| Applicable income taxes | $11,076,000 | 350 |
| Income before extraordinary items | $16,862,000 | 401 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $16,862,000 | 399 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,653,000 | 482 |
| Cash dividends | $3,003,000 | 906 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $17,188,400 | 396 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $49,495,000 | 707 |
| Total interest expense | $16,260,000 | 854 |
| Net interest income | $33,235,000 | 620 |
| Provision for loan and lease losses | $3,284,000 | 399 |
| Total noninterest income | $7,677,000 | 700 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $4,771,000 | 334 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $2,906,000 | 896 |
| Total noninterest expense | $29,483,000 | 593 |
| Salaries and employee benefits | $9,689,000 | 722 |
| Premises and equipment expense | $3,340,000 | 692 |
| Additional noninterest expense | $16,454,000 | 498 |
| Pre-tax net operating income | $8,145,000 | 952 |
| Securities gains (losses) | $-95,000 | 11,499 |
| Applicable income taxes | $3,698,000 | 735 |
| Income before extraordinary items | $4,352,000 | 1,164 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $4,352,000 | 1,164 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,998,000 | 422 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $4,412,800 | 1,161 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,282,000 | 6,540 |
| Total interest expense | $1,251,000 | 8,077 |
| Net interest income | $3,031,000 | 5,614 |
| Provision for loan and lease losses | $230,000 | 3,613 |
| Total noninterest income | $467,000 | 5,856 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $312,000 | 4,273 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $155,000 | 6,451 |
| Total noninterest expense | $2,004,000 | 6,330 |
| Salaries and employee benefits | $879,000 | 6,841 |
| Premises and equipment expense | $183,000 | 8,063 |
| Additional noninterest expense | $942,000 | 5,179 |
| Pre-tax net operating income | $1,264,000 | 4,980 |
| Securities gains (losses) | $1,000 | 7,052 |
| Applicable income taxes | $420,000 | 4,830 |
| Income before extraordinary items | $845,000 | 5,336 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $845,000 | 5,481 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 5,012 |
| Cash dividends | $324,000 | 4,181 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $844,330 | 5,111 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,332,000 | 7,098 |
| Total interest expense | $1,606,000 | 8,182 |
| Net interest income | $2,726,000 | 6,167 |
| Provision for loan and lease losses | $590,000 | 2,668 |
| Total noninterest income | $625,000 | 4,824 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $323,000 | 4,194 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $302,000 | 4,408 |
| Total noninterest expense | $1,810,000 | 6,914 |
| Salaries and employee benefits | $778,000 | 7,408 |
| Premises and equipment expense | $150,000 | 9,105 |
| Additional noninterest expense | $882,000 | 5,614 |
| Pre-tax net operating income | $951,000 | 5,848 |
| Securities gains (losses) | $1,000 | 7,986 |
| Applicable income taxes | $286,000 | 6,127 |
| Income before extraordinary items | $666,000 | 6,130 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $666,000 | 6,196 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $929,000 | 1,626 |
| Cash dividends | $489,000 | 2,879 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $665,300 | 5,786 |
* 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.