KeyBank, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $25,452,000 | 1,344 |
| Total interest expense | $19,054,000 | 883 |
| Net interest income | $6,398,000 | 2,761 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $409,000 | 5,868 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $0 | 9,915 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $409,000 | 3,364 |
| Total noninterest expense | $1,423,000 | 7,331 |
| Salaries and employee benefits | $201,000 | 11,010 |
| Premises and equipment expense | $0 | 11,418 |
| Additional noninterest expense | $1,222,000 | 3,723 |
| Pre-tax net operating income | $5,384,000 | 1,323 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $1,622,000 | 1,486 |
| Income before extraordinary items | $3,762,000 | 1,323 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $3,762,000 | 1,324 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-71,000 | 11,137 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $3,762,000 | 1,291 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $44,570,000 | 834 |
| Total interest expense | $29,634,000 | 650 |
| Net interest income | $14,936,000 | 1,203 |
| Provision for loan and lease losses | $-4,000,000 | 11,942 |
| Total noninterest income | $2,535,000 | 1,527 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $0 | 10,339 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $2,535,000 | 982 |
| Total noninterest expense | $44,343,000 | 434 |
| Salaries and employee benefits | $335,000 | 10,445 |
| Premises and equipment expense | $231,000 | 6,647 |
| Additional noninterest expense | $43,777,000 | 257 |
| Pre-tax net operating income | $-22,872,000 | 11,995 |
| Securities gains (losses) | $46,000 | 1,362 |
| Applicable income taxes | $-8,321,000 | 11,958 |
| Income before extraordinary items | $-14,505,000 | 11,959 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-14,505,000 | 11,959 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $302,000 | 1,932 |
| Cash dividends | $28,000,000 | 195 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $-14,534,440 | 11,960 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $98,916,000 | 409 |
| Total interest expense | $37,555,000 | 455 |
| Net interest income | $61,361,000 | 377 |
| Provision for loan and lease losses | $-6,700,000 | 12,581 |
| Total noninterest income | $4,525,000 | 987 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $0 | 10,872 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $4,525,000 | 677 |
| Total noninterest expense | $23,411,000 | 712 |
| Salaries and employee benefits | $561,000 | 8,878 |
| Premises and equipment expense | $205,000 | 7,319 |
| Additional noninterest expense | $22,645,000 | 406 |
| Pre-tax net operating income | $49,175,000 | 250 |
| Securities gains (losses) | $65,000 | 1,002 |
| Applicable income taxes | $16,937,000 | 236 |
| Income before extraordinary items | $32,303,000 | 249 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $32,303,000 | 247 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,352 |
| Cash dividends | $5,726,000 | 516 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $32,260,100 | 250 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $99,968,000 | 395 |
| Total interest expense | $45,513,000 | 383 |
| Net interest income | $54,455,000 | 414 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $18,860,000 | 395 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $120,000 | 7,832 |
| Trading account gains and fees | $1,297,000 | 124 |
| Additional Noninterest Income | $17,443,000 | 296 |
| Total noninterest expense | $27,168,000 | 663 |
| Salaries and employee benefits | $820,000 | 7,203 |
| Premises and equipment expense | $625,000 | 3,197 |
| Additional noninterest expense | $25,723,000 | 388 |
| Pre-tax net operating income | $46,147,000 | 228 |
| Securities gains (losses) | $129,000 | 2,164 |
| Applicable income taxes | $15,766,000 | 222 |
| Income before extraordinary items | $30,510,000 | 235 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $30,510,000 | 244 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-320,000 | 13,180 |
| Cash dividends | $26,604,000 | 147 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $30,424,860 | 227 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $114,517,000 | 392 |
| Total interest expense | $65,623,000 | 348 |
| Net interest income | $48,894,000 | 458 |
| Provision for loan and lease losses | $8,389,000 | 422 |
| Total noninterest income | $20,299,000 | 386 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $104,000 | 8,390 |
| Trading account gains and fees | $745,000 | 152 |
| Additional Noninterest Income | $19,450,000 | 281 |
| Total noninterest expense | $31,280,000 | 587 |
| Salaries and employee benefits | $11,404,000 | 636 |
| Premises and equipment expense | $2,157,000 | 1,046 |
| Additional noninterest expense | $17,719,000 | 501 |
| Pre-tax net operating income | $29,524,000 | 251 |
| Securities gains (losses) | $1,661,000 | 459 |
| Applicable income taxes | $4,298,000 | 551 |
| Income before extraordinary items | $26,887,000 | 220 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $26,887,000 | 220 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,317,000 | 586 |
| Cash dividends | $19,600,000 | 134 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $25,458,540 | 202 |
* 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.