NBD Bank, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $677,846,000 | 94 |
| Total interest expense | $282,502,000 | 100 |
| Net interest income | $395,344,000 | 85 |
| Provision for loan and lease losses | $17,326,000 | 150 |
| Total noninterest income | $188,676,000 | 110 |
| Gross Fiduciary activities income | $42,770,000 | 62 |
| Service charges on deposit accounts | $53,971,000 | 59 |
| Trading account gains and fees | $302,000 | 120 |
| Additional Noninterest Income | $91,633,000 | 136 |
| Total noninterest expense | $313,531,000 | 103 |
| Salaries and employee benefits | $159,320,000 | 74 |
| Premises and equipment expense | $48,415,000 | 83 |
| Additional noninterest expense | $105,796,000 | 138 |
| Pre-tax net operating income | $253,163,000 | 75 |
| Securities gains (losses) | $366,000 | 664 |
| Applicable income taxes | $92,641,000 | 76 |
| Income before extraordinary items | $160,888,000 | 78 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $160,888,000 | 79 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,315,000 | 134 |
| Cash dividends | $110,000,000 | 77 |
| Sale, conversion, retirement of capital stock, net | $666,000 | 520 |
| Net operating income | $160,653,760 | 76 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $712,481,000 | 85 |
| Total interest expense | $296,916,000 | 97 |
| Net interest income | $415,565,000 | 77 |
| Provision for loan and lease losses | $13,810,000 | 165 |
| Total noninterest income | $171,228,000 | 98 |
| Gross Fiduciary activities income | $40,736,000 | 60 |
| Service charges on deposit accounts | $55,736,000 | 53 |
| Trading account gains and fees | $237,000 | 133 |
| Additional Noninterest Income | $74,519,000 | 129 |
| Total noninterest expense | $324,605,000 | 86 |
| Salaries and employee benefits | $161,424,000 | 70 |
| Premises and equipment expense | $45,523,000 | 78 |
| Additional noninterest expense | $117,658,000 | 121 |
| Pre-tax net operating income | $248,378,000 | 72 |
| Securities gains (losses) | $-95,000 | 10,758 |
| Applicable income taxes | $88,233,000 | 71 |
| Income before extraordinary items | $160,050,000 | 70 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $160,050,000 | 70 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,248,000 | 183 |
| Cash dividends | $100,000,000 | 81 |
| Sale, conversion, retirement of capital stock, net | $2,891,000 | 329 |
| Net operating income | $160,110,800 | 70 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $699,057,000 | 98 |
| Total interest expense | $300,070,000 | 111 |
| Net interest income | $398,987,000 | 81 |
| Provision for loan and lease losses | $9,042,000 | 221 |
| Total noninterest income | $133,649,000 | 120 |
| Gross Fiduciary activities income | $38,116,000 | 59 |
| Service charges on deposit accounts | $48,315,000 | 69 |
| Trading account gains and fees | $623,000 | 114 |
| Additional Noninterest Income | $46,595,000 | 181 |
| Total noninterest expense | $321,844,000 | 95 |
| Salaries and employee benefits | $155,877,000 | 69 |
| Premises and equipment expense | $45,969,000 | 76 |
| Additional noninterest expense | $119,998,000 | 127 |
| Pre-tax net operating income | $201,750,000 | 80 |
| Securities gains (losses) | $-19,000 | 10,606 |
| Applicable income taxes | $71,764,000 | 81 |
| Income before extraordinary items | $129,967,000 | 81 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $129,967,000 | 80 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,800,000 | 163 |
| Cash dividends | $123,000,000 | 71 |
| Sale, conversion, retirement of capital stock, net | $89,000 | 672 |
| Net operating income | $129,979,160 | 78 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $723,650,000 | 90 |
| Total interest expense | $342,877,000 | 95 |
| Net interest income | $380,773,000 | 77 |
| Provision for loan and lease losses | $4,200,000 | 358 |
| Total noninterest income | $132,908,000 | 114 |
| Gross Fiduciary activities income | $37,596,000 | 62 |
| Service charges on deposit accounts | $46,029,000 | 72 |
| Trading account gains and fees | $1,685,000 | 106 |
| Additional Noninterest Income | $47,598,000 | 163 |
| Total noninterest expense | $322,104,000 | 86 |
| Salaries and employee benefits | $145,631,000 | 72 |
| Premises and equipment expense | $46,062,000 | 76 |
| Additional noninterest expense | $130,411,000 | 102 |
| Pre-tax net operating income | $187,377,000 | 80 |
| Securities gains (losses) | $-1,522,000 | 11,891 |
| Applicable income taxes | $72,951,000 | 66 |
| Income before extraordinary items | $112,904,000 | 89 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $112,904,000 | 89 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,254,000 | 300 |
| Cash dividends | $97,900,000 | 71 |
| Sale, conversion, retirement of capital stock, net | $522,000 | 369 |
| Net operating income | $113,878,080 | 87 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $618,436,000 | 79 |
| Total interest expense | $254,386,000 | 86 |
| Net interest income | $364,050,000 | 72 |
| Provision for loan and lease losses | $17,364,000 | 127 |
| Total noninterest income | $128,849,000 | 107 |
| Gross Fiduciary activities income | $38,024,000 | 62 |
| Service charges on deposit accounts | $45,193,000 | 69 |
| Trading account gains and fees | $1,251,000 | 107 |
| Additional Noninterest Income | $44,381,000 | 162 |
| Total noninterest expense | $340,587,000 | 78 |
| Salaries and employee benefits | $152,087,000 | 61 |
| Premises and equipment expense | $48,031,000 | 69 |
| Additional noninterest expense | $140,469,000 | 97 |
| Pre-tax net operating income | $134,948,000 | 100 |
| Securities gains (losses) | $-847,000 | 12,370 |
| Applicable income taxes | $51,041,000 | 92 |
| Income before extraordinary items | $83,060,000 | 118 |
| Extraordinary gains, net | $-839,000 | 12,587 |
| Net income | $82,221,000 | 118 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,052,000 | 127 |
| Cash dividends | $74,050,000 | 77 |
| Sale, conversion, retirement of capital stock, net | $299,000 | 632 |
| Net operating income | $83,602,080 | 117 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $641,680,000 | 67 |
| Total interest expense | $250,510,000 | 73 |
| Net interest income | $391,170,000 | 64 |
| Provision for loan and lease losses | $27,193,000 | 126 |
| Total noninterest income | $151,150,000 | 87 |
| Gross Fiduciary activities income | $34,174,000 | 65 |
| Service charges on deposit accounts | $47,617,000 | 60 |
| Trading account gains and fees | $2,007,000 | 104 |
| Additional Noninterest Income | $67,352,000 | 109 |
| Total noninterest expense | $350,638,000 | 71 |
| Salaries and employee benefits | $159,511,000 | 59 |
| Premises and equipment expense | $49,394,000 | 64 |
| Additional noninterest expense | $141,733,000 | 91 |
| Pre-tax net operating income | $164,489,000 | 68 |
| Securities gains (losses) | $325,000 | 1,231 |
| Applicable income taxes | $60,778,000 | 66 |
| Income before extraordinary items | $104,036,000 | 83 |
| Extraordinary gains, net | $396,000 | 569 |
| Net income | $104,432,000 | 87 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,182,000 | 131 |
| Cash dividends | $85,984,000 | 55 |
| Sale, conversion, retirement of capital stock, net | $1,164,000 | 439 |
| Net operating income | $103,828,000 | 74 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $316,745,000 | 160 |
| Total interest expense | $129,857,000 | 191 |
| Net interest income | $186,888,000 | 141 |
| Provision for loan and lease losses | $56,909,000 | 93 |
| Total noninterest income | $94,965,000 | 125 |
| Gross Fiduciary activities income | $26,725,000 | 77 |
| Service charges on deposit accounts | $25,342,000 | 95 |
| Trading account gains and fees | $1,863,000 | 115 |
| Additional Noninterest Income | $41,035,000 | 152 |
| Total noninterest expense | $191,913,000 | 129 |
| Salaries and employee benefits | $78,542,000 | 117 |
| Premises and equipment expense | $24,189,000 | 132 |
| Additional noninterest expense | $89,182,000 | 133 |
| Pre-tax net operating income | $33,031,000 | 229 |
| Securities gains (losses) | $-37,000 | 13,622 |
| Applicable income taxes | $11,098,000 | 245 |
| Income before extraordinary items | $21,896,000 | 260 |
| Extraordinary gains, net | $-4,939,000 | 13,912 |
| Net income | $16,957,000 | 316 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,108,000 | 108 |
| Cash dividends | $6,500,000 | 298 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $21,920,420 | 227 |
* 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.