Keybank, Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $93,456,000 | 471 |
| Total interest expense | $39,584,000 | 530 |
| Net interest income | $53,872,000 | 431 |
| Provision for loan and lease losses | $2,299,000 | 536 |
| Total noninterest income | $18,298,000 | 427 |
| Gross Fiduciary activities income | $5,793,000 | 219 |
| Service charges on deposit accounts | $3,728,000 | 413 |
| Trading account gains and fees | $-3,000 | 4,802 |
| Additional Noninterest Income | $8,780,000 | 461 |
| Total noninterest expense | $41,111,000 | 460 |
| Salaries and employee benefits | $14,980,000 | 497 |
| Premises and equipment expense | $4,389,000 | 548 |
| Additional noninterest expense | $21,742,000 | 409 |
| Pre-tax net operating income | $28,760,000 | 369 |
| Securities gains (losses) | $-7,774,000 | 11,954 |
| Applicable income taxes | $6,901,000 | 485 |
| Income before extraordinary items | $14,085,000 | 460 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $14,085,000 | 461 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,015,000 | 452 |
| Cash dividends | $12,000,000 | 351 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $19,293,580 | 358 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $85,178,000 | 459 |
| Total interest expense | $32,890,000 | 501 |
| Net interest income | $52,288,000 | 428 |
| Provision for loan and lease losses | $4,380,000 | 316 |
| Total noninterest income | $12,924,000 | 499 |
| Gross Fiduciary activities income | $5,021,000 | 224 |
| Service charges on deposit accounts | $3,658,000 | 421 |
| Trading account gains and fees | $1,000 | 450 |
| Additional Noninterest Income | $4,244,000 | 705 |
| Total noninterest expense | $38,170,000 | 483 |
| Salaries and employee benefits | $14,488,000 | 511 |
| Premises and equipment expense | $4,716,000 | 506 |
| Additional noninterest expense | $18,966,000 | 456 |
| Pre-tax net operating income | $22,662,000 | 422 |
| Securities gains (losses) | $12,000 | 2,095 |
| Applicable income taxes | $7,195,000 | 438 |
| Income before extraordinary items | $15,479,000 | 401 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $15,479,000 | 402 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,701,000 | 634 |
| Cash dividends | $3,959,000 | 669 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $15,470,840 | 407 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $74,766,000 | 498 |
| Total interest expense | $25,563,000 | 589 |
| Net interest income | $49,203,000 | 442 |
| Provision for loan and lease losses | $5,183,000 | 425 |
| Total noninterest income | $12,684,000 | 514 |
| Gross Fiduciary activities income | $5,153,000 | 220 |
| Service charges on deposit accounts | $3,772,000 | 406 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $3,759,000 | 832 |
| Total noninterest expense | $37,720,000 | 505 |
| Salaries and employee benefits | $13,314,000 | 558 |
| Premises and equipment expense | $4,779,000 | 516 |
| Additional noninterest expense | $19,627,000 | 472 |
| Pre-tax net operating income | $18,984,000 | 421 |
| Securities gains (losses) | $48,000 | 3,456 |
| Applicable income taxes | $5,530,000 | 501 |
| Income before extraordinary items | $13,502,000 | 422 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $13,502,000 | 433 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,460,000 | 390 |
| Cash dividends | $8,479,000 | 325 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $13,467,920 | 402 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $60,161,000 | 663 |
| Total interest expense | $23,420,000 | 804 |
| Net interest income | $36,741,000 | 568 |
| Provision for loan and lease losses | $3,600,000 | 736 |
| Total noninterest income | $10,554,000 | 578 |
| Gross Fiduciary activities income | $4,567,000 | 229 |
| Service charges on deposit accounts | $2,335,000 | 583 |
| Trading account gains and fees | $-5,000 | 5,204 |
| Additional Noninterest Income | $3,657,000 | 836 |
| Total noninterest expense | $28,951,000 | 633 |
| Salaries and employee benefits | $10,755,000 | 661 |
| Premises and equipment expense | $3,254,000 | 740 |
| Additional noninterest expense | $14,942,000 | 574 |
| Pre-tax net operating income | $14,744,000 | 448 |
| Securities gains (losses) | $-10,000 | 13,291 |
| Applicable income taxes | $4,030,000 | 585 |
| Income before extraordinary items | $10,704,000 | 460 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $10,704,000 | 466 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,018,000 | 730 |
| Cash dividends | $2,695,000 | 662 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $10,711,300 | 418 |
* 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.