NBD Bank, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $55,128,000 | 626 |
| Total interest expense | $21,289,000 | 770 |
| Net interest income | $33,839,000 | 549 |
| Provision for loan and lease losses | $2,058,000 | 566 |
| Total noninterest income | $18,312,000 | 400 |
| Gross Fiduciary activities income | $1,000 | 1,376 |
| Service charges on deposit accounts | $3,894,000 | 342 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $14,417,000 | 359 |
| Total noninterest expense | $25,844,000 | 600 |
| Salaries and employee benefits | $14,763,000 | 496 |
| Premises and equipment expense | $3,664,000 | 591 |
| Additional noninterest expense | $7,417,000 | 730 |
| Pre-tax net operating income | $24,249,000 | 378 |
| Securities gains (losses) | $64,000 | 1,566 |
| Applicable income taxes | $8,734,000 | 377 |
| Income before extraordinary items | $15,579,000 | 406 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $15,579,000 | 406 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,229,000 | 442 |
| Cash dividends | $12,000,000 | 329 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $15,538,040 | 385 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $59,302,000 | 607 |
| Total interest expense | $23,683,000 | 706 |
| Net interest income | $35,619,000 | 533 |
| Provision for loan and lease losses | $3,142,000 | 422 |
| Total noninterest income | $16,828,000 | 400 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $3,741,000 | 360 |
| Trading account gains and fees | $9,000 | 215 |
| Additional Noninterest Income | $13,078,000 | 351 |
| Total noninterest expense | $26,742,000 | 569 |
| Salaries and employee benefits | $15,520,000 | 448 |
| Premises and equipment expense | $3,870,000 | 553 |
| Additional noninterest expense | $7,352,000 | 732 |
| Pre-tax net operating income | $22,563,000 | 414 |
| Securities gains (losses) | $271,000 | 594 |
| Applicable income taxes | $8,214,000 | 416 |
| Income before extraordinary items | $14,620,000 | 440 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $14,620,000 | 441 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,015,000 | 323 |
| Cash dividends | $5,000,000 | 618 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $14,446,560 | 424 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $56,927,000 | 664 |
| Total interest expense | $23,559,000 | 747 |
| Net interest income | $33,368,000 | 608 |
| Provision for loan and lease losses | $1,140,000 | 935 |
| Total noninterest income | $15,929,000 | 444 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $3,103,000 | 464 |
| Trading account gains and fees | $21,000 | 222 |
| Additional Noninterest Income | $12,805,000 | 369 |
| Total noninterest expense | $30,544,000 | 555 |
| Salaries and employee benefits | $15,769,000 | 459 |
| Premises and equipment expense | $3,959,000 | 571 |
| Additional noninterest expense | $10,816,000 | 631 |
| Pre-tax net operating income | $17,613,000 | 498 |
| Securities gains (losses) | $71,000 | 1,131 |
| Applicable income taxes | $6,311,000 | 496 |
| Income before extraordinary items | $11,373,000 | 518 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $11,373,000 | 520 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $835,000 | 993 |
| Cash dividends | $6,500,000 | 560 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $11,327,560 | 511 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $56,193,000 | 696 |
| Total interest expense | $24,861,000 | 737 |
| Net interest income | $31,332,000 | 659 |
| Provision for loan and lease losses | $300,000 | 2,267 |
| Total noninterest income | $16,167,000 | 458 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $2,804,000 | 523 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $13,363,000 | 370 |
| Total noninterest expense | $30,256,000 | 577 |
| Salaries and employee benefits | $15,009,000 | 495 |
| Premises and equipment expense | $3,876,000 | 611 |
| Additional noninterest expense | $11,371,000 | 622 |
| Pre-tax net operating income | $16,943,000 | 535 |
| Securities gains (losses) | $-289,000 | 11,745 |
| Applicable income taxes | $6,679,000 | 507 |
| Income before extraordinary items | $9,975,000 | 602 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $9,975,000 | 602 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $429,000 | 1,525 |
| Cash dividends | $4,500,000 | 693 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $10,159,960 | 586 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $50,285,000 | 696 |
| Total interest expense | $18,796,000 | 757 |
| Net interest income | $31,489,000 | 646 |
| Provision for loan and lease losses | $250,000 | 2,585 |
| Total noninterest income | $15,720,000 | 435 |
| Gross Fiduciary activities income | $1,000 | 1,574 |
| Service charges on deposit accounts | $2,738,000 | 511 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $12,981,000 | 368 |
| Total noninterest expense | $30,633,000 | 576 |
| Salaries and employee benefits | $15,819,000 | 477 |
| Premises and equipment expense | $3,936,000 | 587 |
| Additional noninterest expense | $10,878,000 | 656 |
| Pre-tax net operating income | $16,326,000 | 535 |
| Securities gains (losses) | $62,000 | 1,024 |
| Applicable income taxes | $6,375,000 | 475 |
| Income before extraordinary items | $10,013,000 | 559 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $10,013,000 | 558 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-145,000 | 12,332 |
| Cash dividends | $10,210,000 | 342 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $9,973,320 | 567 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $48,422,000 | 717 |
| Total interest expense | $19,046,000 | 740 |
| Net interest income | $29,376,000 | 670 |
| Provision for loan and lease losses | $1,436,000 | 1,038 |
| Total noninterest income | $25,412,000 | 335 |
| Gross Fiduciary activities income | $3,696,000 | 268 |
| Service charges on deposit accounts | $2,772,000 | 506 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $18,944,000 | 286 |
| Total noninterest expense | $34,427,000 | 550 |
| Salaries and employee benefits | $17,439,000 | 439 |
| Premises and equipment expense | $4,065,000 | 592 |
| Additional noninterest expense | $12,923,000 | 631 |
| Pre-tax net operating income | $18,925,000 | 423 |
| Securities gains (losses) | $-1,000 | 12,247 |
| Applicable income taxes | $7,246,000 | 407 |
| Income before extraordinary items | $11,678,000 | 481 |
| Extraordinary gains, net | $-181,000 | 13,037 |
| Net income | $11,497,000 | 499 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $749,000 | 1,375 |
| Cash dividends | $2,532,000 | 819 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $11,678,640 | 449 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $52,558,000 | 750 |
| Total interest expense | $24,578,000 | 766 |
| Net interest income | $27,980,000 | 714 |
| Provision for loan and lease losses | $2,500,000 | 968 |
| Total noninterest income | $13,571,000 | 489 |
| Gross Fiduciary activities income | $3,383,000 | 285 |
| Service charges on deposit accounts | $2,491,000 | 548 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $7,697,000 | 498 |
| Total noninterest expense | $29,418,000 | 623 |
| Salaries and employee benefits | $15,539,000 | 478 |
| Premises and equipment expense | $3,993,000 | 630 |
| Additional noninterest expense | $9,886,000 | 773 |
| Pre-tax net operating income | $9,633,000 | 662 |
| Securities gains (losses) | $389,000 | 1,310 |
| Applicable income taxes | $3,223,000 | 724 |
| Income before extraordinary items | $6,799,000 | 701 |
| Extraordinary gains, net | $-383,000 | 13,806 |
| Net income | $6,416,000 | 738 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,360,000 | 867 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $6,534,480 | 659 |
* 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.