KeyBank, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $52,313,000 | 707 |
| Total interest expense | $23,793,000 | 737 |
| Net interest income | $28,520,000 | 680 |
| Provision for loan and lease losses | $600,000 | 1,497 |
| Total noninterest income | $3,598,000 | 1,197 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $2,077,000 | 655 |
| Trading account gains and fees | $10,000 | 238 |
| Additional Noninterest Income | $1,511,000 | 1,381 |
| Total noninterest expense | $20,122,000 | 787 |
| Salaries and employee benefits | $6,179,000 | 1,085 |
| Premises and equipment expense | $2,120,000 | 997 |
| Additional noninterest expense | $11,823,000 | 588 |
| Pre-tax net operating income | $11,396,000 | 707 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $3,790,000 | 733 |
| Income before extraordinary items | $7,606,000 | 723 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $7,606,000 | 723 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $825,000 | 1,002 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $7,606,000 | 708 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $48,718,000 | 776 |
| Total interest expense | $23,360,000 | 770 |
| Net interest income | $25,358,000 | 768 |
| Provision for loan and lease losses | $1,100,000 | 877 |
| Total noninterest income | $2,275,000 | 1,650 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $1,529,000 | 869 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $746,000 | 2,209 |
| Total noninterest expense | $19,166,000 | 813 |
| Salaries and employee benefits | $6,939,000 | 990 |
| Premises and equipment expense | $1,972,000 | 1,072 |
| Additional noninterest expense | $10,255,000 | 671 |
| Pre-tax net operating income | $7,367,000 | 1,059 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $2,533,000 | 1,034 |
| Income before extraordinary items | $4,834,000 | 1,096 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $4,834,000 | 1,093 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,065,000 | 854 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $4,834,000 | 1,078 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $48,011,000 | 725 |
| Total interest expense | $23,301,000 | 630 |
| Net interest income | $24,710,000 | 778 |
| Provision for loan and lease losses | $-900,000 | 12,524 |
| Total noninterest income | $3,626,000 | 1,167 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,597,000 | 819 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $2,029,000 | 1,120 |
| Total noninterest expense | $20,022,000 | 806 |
| Salaries and employee benefits | $8,679,000 | 794 |
| Premises and equipment expense | $2,832,000 | 794 |
| Additional noninterest expense | $8,511,000 | 788 |
| Pre-tax net operating income | $9,214,000 | 849 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $0 | 11,630 |
| Income before extraordinary items | $9,214,000 | 609 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $9,214,000 | 608 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,535,000 | 677 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $9,214,000 | 613 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $45,952,000 | 744 |
| Total interest expense | $23,480,000 | 627 |
| Net interest income | $22,472,000 | 840 |
| Provision for loan and lease losses | $1,041,000 | 1,264 |
| Total noninterest income | $3,032,000 | 1,454 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $1,675,000 | 785 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,357,000 | 1,667 |
| Total noninterest expense | $21,069,000 | 802 |
| Salaries and employee benefits | $8,801,000 | 786 |
| Premises and equipment expense | $3,131,000 | 739 |
| Additional noninterest expense | $9,137,000 | 817 |
| Pre-tax net operating income | $3,394,000 | 2,009 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $1,125,000 | 2,033 |
| Income before extraordinary items | $2,269,000 | 2,205 |
| Extraordinary gains, net | $617,000 | 362 |
| Net income | $2,886,000 | 1,805 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,965,000 | 736 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,269,000 | 2,072 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $46,039,000 | 843 |
| Total interest expense | $28,736,000 | 670 |
| Net interest income | $17,303,000 | 1,070 |
| Provision for loan and lease losses | $8,648,000 | 416 |
| Total noninterest income | $3,470,000 | 1,277 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $1,915,000 | 700 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,555,000 | 1,478 |
| Total noninterest expense | $24,961,000 | 709 |
| Salaries and employee benefits | $9,044,000 | 762 |
| Premises and equipment expense | $3,302,000 | 733 |
| Additional noninterest expense | $12,615,000 | 641 |
| Pre-tax net operating income | $-12,836,000 | 13,892 |
| Securities gains (losses) | $1,102,000 | 604 |
| Applicable income taxes | $-1,225,000 | 13,844 |
| Income before extraordinary items | $-10,509,000 | 13,860 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-10,509,000 | 13,859 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,286,000 | 405 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-11,500,800 | 13,849 |
* 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.