Keybank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,201,000 | 4,931 |
| Total interest expense | $4,321,000 | 3,411 |
| Net interest income | $1,880,000 | 7,172 |
| Provision for loan and lease losses | $60,000 | 6,153 |
| Total noninterest income | $666,000 | 4,111 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $307,000 | 3,995 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $359,000 | 3,527 |
| Total noninterest expense | $4,176,000 | 3,055 |
| Salaries and employee benefits | $1,910,000 | 3,446 |
| Premises and equipment expense | $606,000 | 3,125 |
| Additional noninterest expense | $1,660,000 | 2,483 |
| Pre-tax net operating income | $-1,690,000 | 10,888 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $-907,000 | 10,882 |
| Income before extraordinary items | $-783,000 | 10,827 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-783,000 | 10,826 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 6,018 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-783,000 | 10,812 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $299,000 | 11,346 |
| Total interest expense | $153,000 | 11,279 |
| Net interest income | $146,000 | 11,363 |
| Provision for loan and lease losses | $101,000 | 5,052 |
| Total noninterest income | $3,000 | 11,374 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $2,000 | 9,861 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,000 | 11,358 |
| Total noninterest expense | $733,000 | 9,698 |
| Salaries and employee benefits | $388,000 | 9,689 |
| Premises and equipment expense | $92,000 | 9,504 |
| Additional noninterest expense | $253,000 | 9,368 |
| Pre-tax net operating income | $-685,000 | 11,286 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $-269,000 | 11,302 |
| Income before extraordinary items | $-416,000 | 11,239 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-416,000 | 11,238 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $10,001,000 | 63 |
| Net operating income | $-416,000 | 11,210 |
* 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.