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National Westminster Bank USA, Income and Expense

1994-12-31 (YTD Data)		Rank
Total interest income	$1,129,932,000	32
Total interest expense	$497,633,000	31
Net interest income	$632,299,000	39
Provision for loan and lease losses	$65,967,000	38
Total noninterest income	$286,505,000	47
Gross Fiduciary activities income	$1,011,000	523
Service charges on deposit accounts	$75,700,000	32
Trading account gains and fees	$16,208,000	27
Additional Noninterest Income	$193,586,000	41
Total noninterest expense	$546,851,000	47
Salaries and employee benefits	$232,956,000	41
Premises and equipment expense	$69,480,000	41
Additional noninterest expense	$244,415,000	57
Pre-tax net operating income	$305,986,000	42
Securities gains (losses)	$1,333,000	135
Applicable income taxes	$73,956,000	62
Income before extraordinary items	$233,363,000	33
Extraordinary gains, net	$0	249
Net income	$233,363,000	33
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$178,720,000	13
Cash dividends	$240,000,000	18
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$232,349,920	33
1993-12-31 (YTD Data)		Rank
Total interest income	$963,266,000	41
Total interest expense	$416,542,000	32
Net interest income	$546,724,000	39
Provision for loan and lease losses	$79,133,000	42
Total noninterest income	$268,022,000	46
Gross Fiduciary activities income	$812,000	600
Service charges on deposit accounts	$77,048,000	32
Trading account gains and fees	$18,230,000	27
Additional Noninterest Income	$171,932,000	44
Total noninterest expense	$545,026,000	47
Salaries and employee benefits	$224,483,000	42
Premises and equipment expense	$69,943,000	42
Additional noninterest expense	$250,600,000	52
Pre-tax net operating income	$190,587,000	53
Securities gains (losses)	$31,855,000	24
Applicable income taxes	$-29,802,000	13,280
Income before extraordinary items	$252,244,000	29
Extraordinary gains, net	$-7,100,000	13,265
Net income	$245,144,000	30
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$265,202,000	14
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$220,389,000	30
1992-12-31 (YTD Data)		Rank
Total interest income	$1,001,287,000	41
Total interest expense	$486,811,000	31
Net interest income	$514,476,000	38
Provision for loan and lease losses	$91,532,000	59
Total noninterest income	$241,689,000	47
Gross Fiduciary activities income	$591,000	709
Service charges on deposit accounts	$70,326,000	32
Trading account gains and fees	$11,650,000	36
Additional Noninterest Income	$159,122,000	41
Total noninterest expense	$500,850,000	42
Salaries and employee benefits	$273,114,000	26
Premises and equipment expense	$63,716,000	44
Additional noninterest expense	$164,020,000	74
Pre-tax net operating income	$163,783,000	49
Securities gains (losses)	$25,621,000	47
Applicable income taxes	$68,009,000	41
Income before extraordinary items	$121,395,000	45
Extraordinary gains, net	$54,618,000	4
Net income	$176,013,000	35
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$152,937,000	29
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$104,997,560	54

* 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.