Keybank, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,088,546,000 | 55 |
| Total interest expense | $485,608,000 | 62 |
| Net interest income | $602,938,000 | 53 |
| Provision for loan and lease losses | $58,390,000 | 61 |
| Total noninterest income | $604,727,000 | 27 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $65,848,000 | 50 |
| Trading account gains and fees | $1,149,000 | 97 |
| Additional Noninterest Income | $537,730,000 | 21 |
| Total noninterest expense | $888,053,000 | 29 |
| Salaries and employee benefits | $401,897,000 | 26 |
| Premises and equipment expense | $178,465,000 | 23 |
| Additional noninterest expense | $307,691,000 | 47 |
| Pre-tax net operating income | $261,222,000 | 53 |
| Securities gains (losses) | $-682,000 | 11,387 |
| Applicable income taxes | $80,842,000 | 67 |
| Income before extraordinary items | $179,698,000 | 51 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $179,698,000 | 50 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,500,000 | 71 |
| Cash dividends | $322,128,000 | 24 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $180,168,580 | 51 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,144,632,000 | 49 |
| Total interest expense | $541,546,000 | 49 |
| Net interest income | $603,086,000 | 45 |
| Provision for loan and lease losses | $45,488,000 | 59 |
| Total noninterest income | $370,639,000 | 45 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $65,364,000 | 49 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $305,275,000 | 30 |
| Total noninterest expense | $671,741,000 | 38 |
| Salaries and employee benefits | $277,862,000 | 34 |
| Premises and equipment expense | $111,821,000 | 29 |
| Additional noninterest expense | $282,058,000 | 48 |
| Pre-tax net operating income | $256,496,000 | 50 |
| Securities gains (losses) | $-15,710,000 | 11,959 |
| Applicable income taxes | $68,468,000 | 74 |
| Income before extraordinary items | $172,318,000 | 50 |
| Extraordinary gains, net | $51,024,000 | 1 |
| Net income | $223,342,000 | 39 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,692,000 | 73 |
| Cash dividends | $307,128,000 | 15 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $183,629,200 | 48 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,030,970,000 | 40 |
| Total interest expense | $397,139,000 | 38 |
| Net interest income | $633,831,000 | 38 |
| Provision for loan and lease losses | $52,450,000 | 46 |
| Total noninterest income | $284,518,000 | 49 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $62,362,000 | 47 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $222,156,000 | 35 |
| Total noninterest expense | $559,252,000 | 46 |
| Salaries and employee benefits | $214,304,000 | 45 |
| Premises and equipment expense | $60,854,000 | 52 |
| Additional noninterest expense | $284,094,000 | 45 |
| Pre-tax net operating income | $306,647,000 | 41 |
| Securities gains (losses) | $-13,975,000 | 12,581 |
| Applicable income taxes | $104,517,000 | 39 |
| Income before extraordinary items | $188,155,000 | 45 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $188,155,000 | 46 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,283,000 | 50 |
| Cash dividends | $154,304,000 | 36 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $197,099,000 | 42 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,018,836,000 | 38 |
| Total interest expense | $376,926,000 | 35 |
| Net interest income | $641,910,000 | 34 |
| Provision for loan and lease losses | $75,007,000 | 44 |
| Total noninterest income | $340,061,000 | 39 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $58,573,000 | 49 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $281,488,000 | 24 |
| Total noninterest expense | $587,676,000 | 44 |
| Salaries and employee benefits | $219,164,000 | 43 |
| Premises and equipment expense | $55,155,000 | 55 |
| Additional noninterest expense | $313,357,000 | 36 |
| Pre-tax net operating income | $319,288,000 | 34 |
| Securities gains (losses) | $-92,000 | 13,167 |
| Applicable income taxes | $114,104,000 | 31 |
| Income before extraordinary items | $205,092,000 | 35 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $205,092,000 | 35 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,792,000 | 52 |
| Cash dividends | $115,559,000 | 38 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $205,150,880 | 34 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,021,467,000 | 40 |
| Total interest expense | $419,047,000 | 43 |
| Net interest income | $602,420,000 | 34 |
| Provision for loan and lease losses | $71,330,000 | 76 |
| Total noninterest income | $183,093,000 | 65 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $51,683,000 | 50 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $131,410,000 | 50 |
| Total noninterest expense | $412,270,000 | 60 |
| Salaries and employee benefits | $167,405,000 | 53 |
| Premises and equipment expense | $46,113,000 | 66 |
| Additional noninterest expense | $198,752,000 | 61 |
| Pre-tax net operating income | $301,913,000 | 22 |
| Securities gains (losses) | $107,000 | 2,901 |
| Applicable income taxes | $107,034,000 | 19 |
| Income before extraordinary items | $194,986,000 | 23 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $194,986,000 | 27 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,414,000 | 73 |
| Cash dividends | $92,490,000 | 31 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $194,916,450 | 21 |
* 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.