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Signet Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$833,437,000	79
Total interest expense	$360,362,000	94
Net interest income	$473,075,000	67
Provision for loan and lease losses	$73,851,000	48
Total noninterest income	$235,948,000	77
Gross Fiduciary activities income	$0	1,526
Service charges on deposit accounts	$71,804,000	44
Trading account gains and fees	$28,078,000	18
Additional Noninterest Income	$136,066,000	84
Total noninterest expense	$461,139,000	62
Salaries and employee benefits	$232,964,000	45
Premises and equipment expense	$60,240,000	61
Additional noninterest expense	$167,935,000	87
Pre-tax net operating income	$174,033,000	93
Securities gains (losses)	$5,013,000	77
Applicable income taxes	$60,350,000	94
Income before extraordinary items	$118,696,000	91
Extraordinary gains, net	$0	53
Net income	$118,696,000	90
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$66,846,000	55
Cash dividends	$56,088,000	130
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$115,387,420	90
1995-12-31 (YTD Data)		Rank
Total interest income	$803,155,000	76
Total interest expense	$358,814,000	88
Net interest income	$444,341,000	66
Provision for loan and lease losses	$35,786,000	76
Total noninterest income	$186,085,000	83
Gross Fiduciary activities income	$0	1,590
Service charges on deposit accounts	$63,274,000	51
Trading account gains and fees	$34,546,000	17
Additional Noninterest Income	$88,265,000	109
Total noninterest expense	$466,125,000	61
Salaries and employee benefits	$202,761,000	49
Premises and equipment expense	$56,063,000	63
Additional noninterest expense	$207,301,000	62
Pre-tax net operating income	$128,515,000	113
Securities gains (losses)	$2,087,000	126
Applicable income taxes	$41,901,000	125
Income before extraordinary items	$88,701,000	112
Extraordinary gains, net	$0	65
Net income	$88,701,000	112
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$49,117,000	58
Cash dividends	$52,365,000	125
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$87,281,840	114
1994-12-31 (YTD Data)		Rank
Total interest income	$588,549,000	91
Total interest expense	$233,697,000	97
Net interest income	$354,852,000	78
Provision for loan and lease losses	$12,947,000	161
Total noninterest income	$356,316,000	39
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$35,702,000	84
Trading account gains and fees	$2,941,000	66
Additional Noninterest Income	$317,673,000	25
Total noninterest expense	$636,679,000	37
Salaries and employee benefits	$234,021,000	40
Premises and equipment expense	$52,163,000	64
Additional noninterest expense	$350,495,000	30
Pre-tax net operating income	$61,542,000	207
Securities gains (losses)	$3,233,000	60
Applicable income taxes	$14,018,000	272
Income before extraordinary items	$50,757,000	181
Extraordinary gains, net	$0	249
Net income	$50,757,000	181
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$30,084,000	84
Cash dividends	$62,176,000	95
Sale, conversion, retirement of capital stock, net	$-254,481,000	12,607
Net operating income	$48,235,260	186
1993-12-31 (YTD Data)		Rank
Total interest income	$622,912,000	68
Total interest expense	$232,774,000	81
Net interest income	$390,138,000	66
Provision for loan and lease losses	$44,534,000	82
Total noninterest income	$266,137,000	48
Gross Fiduciary activities income	$0	1,630
Service charges on deposit accounts	$32,162,000	86
Trading account gains and fees	$-2,828,000	5,148
Additional Noninterest Income	$236,803,000	31
Total noninterest expense	$430,253,000	62
Salaries and employee benefits	$198,850,000	47
Premises and equipment expense	$37,536,000	85
Additional noninterest expense	$193,867,000	66
Pre-tax net operating income	$181,488,000	57
Securities gains (losses)	$4,356,000	168
Applicable income taxes	$55,420,000	73
Income before extraordinary items	$130,424,000	60
Extraordinary gains, net	$925,000	245
Net income	$131,349,000	60
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$43,766,000	92
Cash dividends	$50,327,000	86
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$127,374,800	55
1992-12-31 (YTD Data)		Rank
Total interest income	$555,457,000	83
Total interest expense	$244,717,000	95
Net interest income	$310,740,000	80
Provision for loan and lease losses	$49,860,000	104
Total noninterest income	$192,988,000	58
Gross Fiduciary activities income	$0	1,658
Service charges on deposit accounts	$32,076,000	76
Trading account gains and fees	$9,918,000	41
Additional Noninterest Income	$150,994,000	44
Total noninterest expense	$329,134,000	77
Salaries and employee benefits	$155,950,000	56
Premises and equipment expense	$36,525,000	89
Additional noninterest expense	$136,659,000	84
Pre-tax net operating income	$124,734,000	67
Securities gains (losses)	$-8,131,000	13,931
Applicable income taxes	$26,356,000	113
Income before extraordinary items	$90,247,000	73
Extraordinary gains, net	$0	1,422
Net income	$90,247,000	74
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$81,977,000	72
Cash dividends	$15,923,000	151
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$96,507,870	60

* 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.