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NationsBank, National Association (South), Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$3,120,833,000	12
Total interest expense	$1,421,267,000	16
Net interest income	$1,699,566,000	11
Provision for loan and lease losses	$126,600,000	35
Total noninterest income	$601,233,000	28
Gross Fiduciary activities income	$89,314,000	33
Service charges on deposit accounts	$347,675,000	5
Trading account gains and fees	$4,097,000	54
Additional Noninterest Income	$160,147,000	72
Total noninterest expense	$1,532,794,000	14
Salaries and employee benefits	$434,035,000	22
Premises and equipment expense	$203,160,000	20
Additional noninterest expense	$895,599,000	11
Pre-tax net operating income	$641,405,000	18
Securities gains (losses)	$35,666,000	13
Applicable income taxes	$257,311,000	17
Income before extraordinary items	$419,760,000	19
Extraordinary gains, net	$0	53
Net income	$419,760,000	19
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$80,369,000	45
Cash dividends	$1,074,607,000	5
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$396,933,760	22
1995-12-31 (YTD Data)		Rank
Total interest income	$2,610,049,000	16
Total interest expense	$1,286,964,000	18
Net interest income	$1,323,085,000	10
Provision for loan and lease losses	$45,200,000	60
Total noninterest income	$515,251,000	24
Gross Fiduciary activities income	$102,828,000	25
Service charges on deposit accounts	$253,262,000	5
Trading account gains and fees	$517,000	172
Additional Noninterest Income	$158,644,000	60
Total noninterest expense	$1,164,869,000	17
Salaries and employee benefits	$334,758,000	27
Premises and equipment expense	$158,061,000	20
Additional noninterest expense	$672,050,000	12
Pre-tax net operating income	$628,267,000	16
Securities gains (losses)	$-5,852,000	11,948
Applicable income taxes	$236,262,000	16
Income before extraordinary items	$386,153,000	17
Extraordinary gains, net	$0	65
Net income	$386,153,000	16
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$54,147,000	48
Cash dividends	$299,617,000	17
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$389,898,280	16
1994-12-31 (YTD Data)		Rank
Total interest income	$984,615,000	42
Total interest expense	$412,064,000	35
Net interest income	$572,551,000	43
Provision for loan and lease losses	$48,478,000	49
Total noninterest income	$229,053,000	62
Gross Fiduciary activities income	$49,832,000	40
Service charges on deposit accounts	$104,081,000	18
Trading account gains and fees	$962,000	120
Additional Noninterest Income	$74,178,000	110
Total noninterest expense	$489,390,000	57
Salaries and employee benefits	$174,402,000	55
Premises and equipment expense	$56,317,000	60
Additional noninterest expense	$258,671,000	55
Pre-tax net operating income	$263,736,000	47
Securities gains (losses)	$1,129,000	154
Applicable income taxes	$92,709,000	45
Income before extraordinary items	$172,156,000	49
Extraordinary gains, net	$0	249
Net income	$172,156,000	49
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$30,188,000	83
Cash dividends	$84,062,000	67
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$171,422,150	50
1993-12-31 (YTD Data)		Rank
Total interest income	$861,769,000	47
Total interest expense	$322,090,000	44
Net interest income	$539,679,000	40
Provision for loan and lease losses	$41,030,000	89
Total noninterest income	$186,292,000	73
Gross Fiduciary activities income	$35,121,000	60
Service charges on deposit accounts	$96,461,000	18
Trading account gains and fees	$2,925,000	85
Additional Noninterest Income	$51,785,000	130
Total noninterest expense	$507,956,000	51
Salaries and employee benefits	$150,825,000	61
Premises and equipment expense	$51,086,000	60
Additional noninterest expense	$306,045,000	39
Pre-tax net operating income	$176,985,000	60
Securities gains (losses)	$1,185,000	470
Applicable income taxes	$61,629,000	65
Income before extraordinary items	$116,541,000	70
Extraordinary gains, net	$852,000	263
Net income	$117,393,000	71
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$46,929,000	86
Cash dividends	$68,093,000	70
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$115,770,750	65
1992-12-31 (YTD Data)		Rank
Total interest income	$891,862,000	43
Total interest expense	$393,823,000	48
Net interest income	$498,039,000	41
Provision for loan and lease losses	$43,029,000	119
Total noninterest income	$232,229,000	48
Gross Fiduciary activities income	$32,954,000	66
Service charges on deposit accounts	$81,336,000	21
Trading account gains and fees	$2,736,000	94
Additional Noninterest Income	$115,203,000	58
Total noninterest expense	$468,059,000	54
Salaries and employee benefits	$206,053,000	38
Premises and equipment expense	$70,077,000	39
Additional noninterest expense	$191,929,000	65
Pre-tax net operating income	$219,180,000	36
Securities gains (losses)	$50,461,000	23
Applicable income taxes	$85,653,000	29
Income before extraordinary items	$183,988,000	30
Extraordinary gains, net	$0	1,422
Net income	$183,988,000	32
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$36,800,000	131
Cash dividends	$142,711,000	17
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$149,674,520	34

* 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.