KeyBank, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $69,655,000 | 567 |
| Total interest expense | $26,374,000 | 677 |
| Net interest income | $43,281,000 | 483 |
| Provision for loan and lease losses | $3,172,000 | 444 |
| Total noninterest income | $11,783,000 | 534 |
| Gross Fiduciary activities income | $2,430,000 | 320 |
| Service charges on deposit accounts | $4,747,000 | 328 |
| Trading account gains and fees | $305,000 | 136 |
| Additional Noninterest Income | $4,301,000 | 705 |
| Total noninterest expense | $35,285,000 | 500 |
| Salaries and employee benefits | $11,649,000 | 595 |
| Premises and equipment expense | $4,818,000 | 478 |
| Additional noninterest expense | $18,818,000 | 429 |
| Pre-tax net operating income | $16,607,000 | 521 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $5,755,000 | 530 |
| Income before extraordinary items | $10,852,000 | 542 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $10,852,000 | 544 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,094,000 | 443 |
| Cash dividends | $16,000,000 | 324 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $10,852,000 | 529 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $70,090,000 | 594 |
| Total interest expense | $27,803,000 | 681 |
| Net interest income | $42,287,000 | 515 |
| Provision for loan and lease losses | $2,000,000 | 574 |
| Total noninterest income | $11,461,000 | 548 |
| Gross Fiduciary activities income | $2,580,000 | 322 |
| Service charges on deposit accounts | $4,328,000 | 377 |
| Trading account gains and fees | $98,000 | 282 |
| Additional Noninterest Income | $4,455,000 | 708 |
| Total noninterest expense | $33,600,000 | 529 |
| Salaries and employee benefits | $12,359,000 | 574 |
| Premises and equipment expense | $5,105,000 | 481 |
| Additional noninterest expense | $16,136,000 | 481 |
| Pre-tax net operating income | $18,148,000 | 515 |
| Securities gains (losses) | $-2,008,000 | 11,908 |
| Applicable income taxes | $5,675,000 | 566 |
| Income before extraordinary items | $10,465,000 | 576 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $10,465,000 | 576 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,288,000 | 745 |
| Cash dividends | $12,000,000 | 351 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $11,770,200 | 524 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $63,987,000 | 561 |
| Total interest expense | $22,990,000 | 639 |
| Net interest income | $40,997,000 | 515 |
| Provision for loan and lease losses | $1,575,000 | 677 |
| Total noninterest income | $9,520,000 | 614 |
| Gross Fiduciary activities income | $2,300,000 | 342 |
| Service charges on deposit accounts | $4,151,000 | 375 |
| Trading account gains and fees | $75,000 | 255 |
| Additional Noninterest Income | $2,994,000 | 875 |
| Total noninterest expense | $34,501,000 | 521 |
| Salaries and employee benefits | $12,643,000 | 576 |
| Premises and equipment expense | $5,001,000 | 485 |
| Additional noninterest expense | $16,857,000 | 487 |
| Pre-tax net operating income | $14,441,000 | 594 |
| Securities gains (losses) | $14,000 | 2,006 |
| Applicable income taxes | $4,967,000 | 574 |
| Income before extraordinary items | $9,488,000 | 592 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $9,488,000 | 592 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,148,000 | 794 |
| Cash dividends | $10,837,000 | 328 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $9,478,760 | 595 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $58,277,000 | 608 |
| Total interest expense | $18,228,000 | 776 |
| Net interest income | $40,049,000 | 519 |
| Provision for loan and lease losses | $1,000,000 | 1,300 |
| Total noninterest income | $8,787,000 | 667 |
| Gross Fiduciary activities income | $2,438,000 | 339 |
| Service charges on deposit accounts | $3,920,000 | 391 |
| Trading account gains and fees | $79,000 | 287 |
| Additional Noninterest Income | $2,350,000 | 1,136 |
| Total noninterest expense | $35,205,000 | 535 |
| Salaries and employee benefits | $13,369,000 | 557 |
| Premises and equipment expense | $5,176,000 | 483 |
| Additional noninterest expense | $16,660,000 | 534 |
| Pre-tax net operating income | $12,631,000 | 570 |
| Securities gains (losses) | $41,000 | 3,697 |
| Applicable income taxes | $3,988,000 | 651 |
| Income before extraordinary items | $8,684,000 | 607 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $8,684,000 | 624 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $823,000 | 1,303 |
| Cash dividends | $1,623,000 | 1,200 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $8,655,710 | 561 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $59,987,000 | 664 |
| Total interest expense | $21,013,000 | 880 |
| Net interest income | $38,974,000 | 538 |
| Provision for loan and lease losses | $10,058,000 | 366 |
| Total noninterest income | $10,154,000 | 593 |
| Gross Fiduciary activities income | $2,578,000 | 333 |
| Service charges on deposit accounts | $3,346,000 | 443 |
| Trading account gains and fees | $64,000 | 301 |
| Additional Noninterest Income | $4,166,000 | 765 |
| Total noninterest expense | $36,868,000 | 518 |
| Salaries and employee benefits | $14,585,000 | 503 |
| Premises and equipment expense | $5,409,000 | 486 |
| Additional noninterest expense | $16,874,000 | 529 |
| Pre-tax net operating income | $2,202,000 | 2,833 |
| Securities gains (losses) | $87,000 | 3,239 |
| Applicable income taxes | $-53,000 | 13,512 |
| Income before extraordinary items | $2,342,000 | 1,960 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,342,000 | 1,989 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,307,000 | 327 |
| Cash dividends | $412,000 | 3,232 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,255,000 | 1,866 |
* 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.