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NationsBank of Texas, Income and Expense

1997-12-31 (YTD Data)		Rank
Total interest income	$2,709,543,000	21
Total interest expense	$1,442,660,000	20
Net interest income	$1,266,883,000	19
Provision for loan and lease losses	$32,600,000	102
Total noninterest income	$2,206,030,000	10
Gross Fiduciary activities income	$101,598,000	35
Service charges on deposit accounts	$430,668,000	5
Trading account gains and fees	$4,350,000	55
Additional Noninterest Income	$1,669,414,000	7
Total noninterest expense	$2,330,147,000	12
Salaries and employee benefits	$938,422,000	15
Premises and equipment expense	$385,211,000	8
Additional noninterest expense	$1,006,514,000	16
Pre-tax net operating income	$1,110,166,000	14
Securities gains (losses)	$21,184,000	25
Applicable income taxes	$401,637,000	15
Income before extraordinary items	$729,713,000	14
Extraordinary gains, net	$0	44
Net income	$729,713,000	14
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$57,441,000	66
Cash dividends	$127,860,000	67
Sale, conversion, retirement of capital stock, net	$65,281,000	15
Net operating income	$716,155,240	15
1996-12-31 (YTD Data)		Rank
Total interest income	$2,796,915,000	17
Total interest expense	$1,440,619,000	15
Net interest income	$1,356,296,000	15
Provision for loan and lease losses	$63,823,000	58
Total noninterest income	$1,775,289,000	10
Gross Fiduciary activities income	$105,494,000	26
Service charges on deposit accounts	$357,160,000	4
Trading account gains and fees	$8,729,000	40
Additional Noninterest Income	$1,303,906,000	7
Total noninterest expense	$1,995,438,000	9
Salaries and employee benefits	$796,868,000	10
Premises and equipment expense	$345,602,000	7
Additional noninterest expense	$852,968,000	13
Pre-tax net operating income	$1,072,324,000	10
Securities gains (losses)	$-50,874,000	11,453
Applicable income taxes	$358,314,000	11
Income before extraordinary items	$663,136,000	11
Extraordinary gains, net	$0	53
Net income	$663,136,000	10
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$51,410,000	72
Cash dividends	$774,434,000	8
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$696,204,100	10
1995-12-31 (YTD Data)		Rank
Total interest income	$2,990,614,000	11
Total interest expense	$1,811,845,000	11
Net interest income	$1,178,769,000	14
Provision for loan and lease losses	$115,500,000	24
Total noninterest income	$1,362,893,000	11
Gross Fiduciary activities income	$121,556,000	19
Service charges on deposit accounts	$235,196,000	6
Trading account gains and fees	$2,810,000	83
Additional Noninterest Income	$1,003,331,000	9
Total noninterest expense	$1,761,670,000	9
Salaries and employee benefits	$737,617,000	11
Premises and equipment expense	$320,442,000	8
Additional noninterest expense	$703,611,000	11
Pre-tax net operating income	$664,492,000	14
Securities gains (losses)	$27,271,000	11
Applicable income taxes	$175,796,000	23
Income before extraordinary items	$515,967,000	11
Extraordinary gains, net	$0	65
Net income	$515,967,000	11
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$37,563,000	85
Cash dividends	$196,000,000	32
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$495,513,750	12
1994-12-31 (YTD Data)		Rank
Total interest income	$2,172,856,000	12
Total interest expense	$1,078,455,000	13
Net interest income	$1,094,401,000	14
Provision for loan and lease losses	$133,000,000	16
Total noninterest income	$1,079,283,000	11
Gross Fiduciary activities income	$120,888,000	19
Service charges on deposit accounts	$215,144,000	5
Trading account gains and fees	$7,092,000	46
Additional Noninterest Income	$736,159,000	12
Total noninterest expense	$1,520,878,000	9
Salaries and employee benefits	$713,556,000	9
Premises and equipment expense	$313,163,000	7
Additional noninterest expense	$494,159,000	13
Pre-tax net operating income	$519,806,000	21
Securities gains (losses)	$-4,420,000	12,546
Applicable income taxes	$166,387,000	24
Income before extraordinary items	$348,999,000	20
Extraordinary gains, net	$0	249
Net income	$348,999,000	20
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$29,785,000	86
Cash dividends	$317,901,000	12
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$352,004,600	20
1993-12-31 (YTD Data)		Rank
Total interest income	$2,047,602,000	12
Total interest expense	$993,113,000	12
Net interest income	$1,054,489,000	12
Provision for loan and lease losses	$51,530,000	70
Total noninterest income	$1,121,301,000	11
Gross Fiduciary activities income	$117,372,000	15
Service charges on deposit accounts	$201,071,000	4
Trading account gains and fees	$8,588,000	50
Additional Noninterest Income	$794,270,000	10
Total noninterest expense	$1,569,067,000	9
Salaries and employee benefits	$675,437,000	9
Premises and equipment expense	$309,298,000	7
Additional noninterest expense	$584,332,000	11
Pre-tax net operating income	$555,193,000	14
Securities gains (losses)	$51,986,000	13
Applicable income taxes	$212,021,000	13
Income before extraordinary items	$395,158,000	12
Extraordinary gains, net	$325,885,000	2
Net income	$721,043,000	6
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$46,339,000	88
Cash dividends	$297,500,000	10
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$361,367,100	14
1992-12-31 (YTD Data)		Rank
Total interest income	$1,994,142,000	12
Total interest expense	$1,107,665,000	13
Net interest income	$886,477,000	15
Provision for loan and lease losses	$72,338,000	75
Total noninterest income	$950,158,000	10
Gross Fiduciary activities income	$110,279,000	16
Service charges on deposit accounts	$182,770,000	5
Trading account gains and fees	$4,732,000	69
Additional Noninterest Income	$652,377,000	8
Total noninterest expense	$1,401,873,000	8
Salaries and employee benefits	$534,764,000	9
Premises and equipment expense	$247,442,000	8
Additional noninterest expense	$619,667,000	9
Pre-tax net operating income	$362,424,000	14
Securities gains (losses)	$85,457,000	12
Applicable income taxes	$13,331,000	211
Income before extraordinary items	$434,550,000	5
Extraordinary gains, net	$0	1,422
Net income	$434,550,000	5
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$58,373,000	91
Cash dividends	$322,000,000	2
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$351,656,710	5

* 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.