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SouthTrust Bank, Income and Expense

2004-12-31 (YTD Data)		Rank
Total interest income	$2,325,895,000	24
Total interest expense	$665,449,000	27
Net interest income	$1,660,446,000	26
Provision for loan and lease losses	$127,129,000	33
Total noninterest income	$629,896,000	46
Gross Fiduciary activities income	$32,399,000	62
Service charges on deposit accounts	$344,670,000	13
Trading account gains and fees	$4,138,000	50
Additional Noninterest Income	$248,689,000	69
Total noninterest expense	$1,195,046,000	38
Salaries and employee benefits	$689,023,000	29
Premises and equipment expense	$173,824,000	27
Additional noninterest expense	$332,199,000	55
Pre-tax net operating income	$968,167,000	34
Securities gains (losses)	$1,522,000	213
Applicable income taxes	$314,128,000	37
Income before extraordinary items	$655,561,000	36
Extraordinary gains, net	$0	34
Net income	$655,561,000	36
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$123,820,000	36
Cash dividends	$460,080,000	27
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$654,526,040	35
2004-09-30 (YTD Data)		Rank
Total interest income	$1,745,113,000	24
Total interest expense	$485,322,000	25
Net interest income	$1,259,791,000	28
Provision for loan and lease losses	$79,172,000	42
Total noninterest income	$511,077,000	48
Gross Fiduciary activities income	$24,661,000	61
Service charges on deposit accounts	$257,446,000	14
Trading account gains and fees	$4,320,000	47
Additional Noninterest Income	$224,650,000	62
Total noninterest expense	$863,547,000	39
Salaries and employee benefits	$500,312,000	28
Premises and equipment expense	$129,073,000	27
Additional noninterest expense	$234,162,000	59
Pre-tax net operating income	$828,149,000	32
Securities gains (losses)	$1,404,000	204
Applicable income taxes	$266,826,000	35
Income before extraordinary items	$562,727,000	32
Extraordinary gains, net	$0	26
Net income	$562,727,000	32
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$78,615,000	43
Cash dividends	$379,500,000	26
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$561,772,280	30
2004-06-30 (YTD Data)		Rank
Total interest income	$1,143,608,000	25
Total interest expense	$309,082,000	26
Net interest income	$834,526,000	30
Provision for loan and lease losses	$56,522,000	41
Total noninterest income	$368,378,000	47
Gross Fiduciary activities income	$16,333,000	61
Service charges on deposit accounts	$170,069,000	13
Trading account gains and fees	$3,305,000	46
Additional Noninterest Income	$178,671,000	54
Total noninterest expense	$596,584,000	40
Salaries and employee benefits	$332,849,000	30
Premises and equipment expense	$83,723,000	29
Additional noninterest expense	$180,012,000	53
Pre-tax net operating income	$549,798,000	32
Securities gains (losses)	$1,723,000	164
Applicable income taxes	$175,636,000	35
Income before extraordinary items	$375,885,000	32
Extraordinary gains, net	$0	21
Net income	$375,885,000	32
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$55,987,000	43
Cash dividends	$299,940,000	27
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$374,713,360	32
2004-03-31 (YTD Data)		Rank
Total interest income	$566,931,000	25
Total interest expense	$154,433,000	27
Net interest income	$412,498,000	29
Provision for loan and lease losses	$27,522,000	40
Total noninterest income	$148,377,000	51
Gross Fiduciary activities income	$8,210,000	61
Service charges on deposit accounts	$82,833,000	13
Trading account gains and fees	$941,000	52
Additional Noninterest Income	$56,393,000	74
Total noninterest expense	$276,616,000	42
Salaries and employee benefits	$162,362,000	30
Premises and equipment expense	$41,092,000	30
Additional noninterest expense	$73,162,000	66
Pre-tax net operating income	$256,737,000	32
Securities gains (losses)	$2,001,000	114
Applicable income taxes	$81,024,000	36
Income before extraordinary items	$177,714,000	33
Extraordinary gains, net	$0	16
Net income	$177,714,000	33
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$27,515,000	42
Cash dividends	$145,380,000	20
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$176,333,310	32
2003-12-31 (YTD Data)		Rank
Total interest income	$2,374,650,000	25
Total interest expense	$708,790,000	21
Net interest income	$1,665,860,000	26
Provision for loan and lease losses	$124,550,000	47
Total noninterest income	$664,152,000	53
Gross Fiduciary activities income	$33,634,000	60
Service charges on deposit accounts	$336,647,000	13
Trading account gains and fees	$5,659,000	52
Additional Noninterest Income	$288,212,000	71
Total noninterest expense	$1,188,758,000	40
Salaries and employee benefits	$709,997,000	26
Premises and equipment expense	$169,751,000	31
Additional noninterest expense	$309,010,000	62
Pre-tax net operating income	$1,016,704,000	33
Securities gains (losses)	$-24,366,000	9,180
Applicable income taxes	$317,325,000	33
Income before extraordinary items	$675,013,000	34
Extraordinary gains, net	$0	54
Net income	$675,013,000	34
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$123,383,000	49
Cash dividends	$903,675,000	16
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$691,581,880	29
2003-09-30 (YTD Data)		Rank
Total interest income	$1,799,659,000	25
Total interest expense	$550,171,000	20
Net interest income	$1,249,488,000	26
Provision for loan and lease losses	$89,700,000	49
Total noninterest income	$504,786,000	51
Gross Fiduciary activities income	$24,727,000	62
Service charges on deposit accounts	$250,772,000	12
Trading account gains and fees	$2,280,000	63
Additional Noninterest Income	$227,007,000	65
Total noninterest expense	$905,807,000	37
Salaries and employee benefits	$544,353,000	25
Premises and equipment expense	$125,779,000	30
Additional noninterest expense	$235,675,000	59
Pre-tax net operating income	$758,767,000	29
Securities gains (losses)	$1,745,000	306
Applicable income taxes	$246,305,000	30
Income before extraordinary items	$514,207,000	32
Extraordinary gains, net	$0	40
Net income	$514,207,000	32
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$88,560,000	46
Cash dividends	$682,306,000	14
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$513,020,400	30
2003-06-30 (YTD Data)		Rank
Total interest income	$1,224,743,000	25
Total interest expense	$386,006,000	19
Net interest income	$838,737,000	26
Provision for loan and lease losses	$59,700,000	51
Total noninterest income	$333,014,000	48
Gross Fiduciary activities income	$16,053,000	63
Service charges on deposit accounts	$164,653,000	12
Trading account gains and fees	$2,280,000	55
Additional Noninterest Income	$150,028,000	65
Total noninterest expense	$608,209,000	38
Salaries and employee benefits	$364,315,000	25
Premises and equipment expense	$83,527,000	30
Additional noninterest expense	$160,367,000	57
Pre-tax net operating income	$503,842,000	32
Securities gains (losses)	$-455,000	9,240
Applicable income taxes	$164,409,000	33
Income before extraordinary items	$338,978,000	31
Extraordinary gains, net	$0	30
Net income	$338,978,000	31
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$58,672,000	47
Cash dividends	$434,895,000	15
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$339,282,850	30
2003-03-31 (YTD Data)		Rank
Total interest income	$616,621,000	23
Total interest expense	$197,903,000	20
Net interest income	$418,718,000	25
Provision for loan and lease losses	$29,400,000	52
Total noninterest income	$158,890,000	49
Gross Fiduciary activities income	$7,423,000	66
Service charges on deposit accounts	$81,251,000	12
Trading account gains and fees	$0	134
Additional Noninterest Income	$70,216,000	66
Total noninterest expense	$299,748,000	37
Salaries and employee benefits	$180,523,000	26
Premises and equipment expense	$41,242,000	29
Additional noninterest expense	$77,983,000	53
Pre-tax net operating income	$248,460,000	32
Securities gains (losses)	$-152,000	9,276
Applicable income taxes	$80,623,000	35
Income before extraordinary items	$167,685,000	32
Extraordinary gains, net	$0	21
Net income	$167,685,000	32
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$28,449,000	49
Cash dividends	$210,437,000	14
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$167,788,360	32
2002-12-31 (YTD Data)		Rank
Total interest income	$2,674,487,000	22
Total interest expense	$953,142,000	19
Net interest income	$1,721,345,000	23
Provision for loan and lease losses	$126,732,000	51
Total noninterest income	$592,850,000	54
Gross Fiduciary activities income	$34,179,000	60
Service charges on deposit accounts	$316,403,000	12
Trading account gains and fees	$0	153
Additional Noninterest Income	$242,268,000	68
Total noninterest expense	$1,224,742,000	36
Salaries and employee benefits	$688,223,000	24
Premises and equipment expense	$175,636,000	27
Additional noninterest expense	$360,883,000	52
Pre-tax net operating income	$962,721,000	31
Securities gains (losses)	$321,000	857
Applicable income taxes	$321,372,000	32
Income before extraordinary items	$641,670,000	33
Extraordinary gains, net	$0	70
Net income	$641,670,000	33
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$113,518,000	50
Cash dividends	$347,535,000	38
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$641,454,930	32
2001-12-31 (YTD Data)		Rank
Total interest income	$3,181,952,000	20
Total interest expense	$1,625,581,000	21
Net interest income	$1,556,371,000	24
Provision for loan and lease losses	$118,294,000	59
Total noninterest income	$516,609,000	57
Gross Fiduciary activities income	$32,603,000	65
Service charges on deposit accounts	$267,886,000	13
Trading account gains and fees	$0	177
Additional Noninterest Income	$216,120,000	78
Total noninterest expense	$1,115,427,000	40
Salaries and employee benefits	$610,907,000	27
Premises and equipment expense	$163,118,000	29
Additional noninterest expense	$341,402,000	63
Pre-tax net operating income	$839,259,000	26
Securities gains (losses)	$687,000	510
Applicable income taxes	$286,722,000	29
Income before extraordinary items	$553,224,000	28
Extraordinary gains, net	$0	105
Net income	$553,224,000	29
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$111,607,000	58
Cash dividends	$461,880,000	26
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$552,770,580	27
2000-12-31 (YTD Data)		Rank
Total interest income	$3,405,679,000	21
Total interest expense	$1,985,913,000	23
Net interest income	$1,419,766,000	23
Provision for loan and lease losses	$92,827,000	61
Total noninterest income	$487,352,000	62
Gross Fiduciary activities income	$32,116,000	67
Service charges on deposit accounts	$238,701,000	15
Trading account gains and fees	$2,280,000	61
Additional Noninterest Income	$214,255,000	78
Total noninterest expense	$1,069,790,000	41
Salaries and employee benefits	$537,725,000	32
Premises and equipment expense	$165,590,000	32
Additional noninterest expense	$366,475,000	56
Pre-tax net operating income	$744,501,000	37
Securities gains (losses)	$-11,068,000	9,867
Applicable income taxes	$250,125,000	32
Income before extraordinary items	$483,308,000	34
Extraordinary gains, net	$0	38
Net income	$483,308,000	34
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$93,163,000	48
Cash dividends	$250,070,000	40
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$490,612,880	36
1999-12-31 (YTD Data)		Rank
Total interest income	$2,915,290,000	19
Total interest expense	$1,519,751,000	19
Net interest income	$1,395,539,000	20
Provision for loan and lease losses	$141,249,000	30
Total noninterest income	$427,177,000	63
Gross Fiduciary activities income	$30,254,000	74
Service charges on deposit accounts	$203,716,000	18
Trading account gains and fees	$1,876,000	68
Additional Noninterest Income	$191,331,000	84
Total noninterest expense	$1,001,989,000	38
Salaries and employee benefits	$511,145,000	30
Premises and equipment expense	$147,580,000	31
Additional noninterest expense	$343,264,000	45
Pre-tax net operating income	$679,478,000	34
Securities gains (losses)	$-739,000	10,128
Applicable income taxes	$234,402,000	37
Income before extraordinary items	$444,337,000	32
Extraordinary gains, net	$0	35
Net income	$444,337,000	32
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$86,350,000	49
Cash dividends	$242,408,000	46
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$444,817,350	32
1998-12-31 (YTD Data)		Rank
Total interest income	$2,558,457,000	21
Total interest expense	$1,376,187,000	22
Net interest income	$1,182,270,000	25
Provision for loan and lease losses	$94,796,000	46
Total noninterest income	$376,950,000	66
Gross Fiduciary activities income	$27,688,000	81
Service charges on deposit accounts	$167,342,000	17
Trading account gains and fees	$1,556,000	86
Additional Noninterest Income	$180,364,000	87
Total noninterest expense	$916,891,000	35
Salaries and employee benefits	$473,008,000	27
Premises and equipment expense	$132,140,000	30
Additional noninterest expense	$311,743,000	53
Pre-tax net operating income	$547,533,000	35
Securities gains (losses)	$94,000	1,313
Applicable income taxes	$187,216,000	38
Income before extraordinary items	$360,411,000	35
Extraordinary gains, net	$0	32
Net income	$360,411,000	36
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$58,268,000	67
Cash dividends	$179,653,000	51
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$360,348,960	35
1997-12-31 (YTD Data)		Rank
Total interest income	$2,232,034,000	26
Total interest expense	$1,173,470,000	23
Net interest income	$1,058,564,000	30
Provision for loan and lease losses	$90,613,000	50
Total noninterest income	$264,422,000	72
Gross Fiduciary activities income	$24,529,000	84
Service charges on deposit accounts	$129,869,000	23
Trading account gains and fees	$1,320,000	81
Additional Noninterest Income	$108,704,000	105
Total noninterest expense	$748,614,000	42
Salaries and employee benefits	$362,115,000	31
Premises and equipment expense	$100,402,000	38
Additional noninterest expense	$286,097,000	49
Pre-tax net operating income	$483,759,000	34
Securities gains (losses)	$189,000	735
Applicable income taxes	$181,825,000	36
Income before extraordinary items	$302,123,000	37
Extraordinary gains, net	$0	44
Net income	$302,123,000	37
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$51,784,000	71
Cash dividends	$145,757,000	59
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$302,002,040	36
1996-12-31 (YTD Data)		Rank
Total interest income	$967,487,000	67
Total interest expense	$502,160,000	57
Net interest income	$465,327,000	68
Provision for loan and lease losses	$48,006,000	72
Total noninterest income	$188,930,000	92
Gross Fiduciary activities income	$15,770,000	110
Service charges on deposit accounts	$50,602,000	66
Trading account gains and fees	$951,000	102
Additional Noninterest Income	$121,607,000	97
Total noninterest expense	$348,466,000	84
Salaries and employee benefits	$173,671,000	60
Premises and equipment expense	$39,995,000	89
Additional noninterest expense	$134,800,000	111
Pre-tax net operating income	$257,785,000	54
Securities gains (losses)	$1,174,000	231
Applicable income taxes	$97,341,000	51
Income before extraordinary items	$161,618,000	60
Extraordinary gains, net	$0	53
Net income	$161,618,000	60
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$25,889,000	115
Cash dividends	$84,762,000	95
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$160,866,640	61
1995-12-31 (YTD Data)		Rank
Total interest income	$850,783,000	71
Total interest expense	$447,160,000	63
Net interest income	$403,623,000	72
Provision for loan and lease losses	$30,901,000	85
Total noninterest income	$163,904,000	95
Gross Fiduciary activities income	$14,066,000	125
Service charges on deposit accounts	$47,627,000	67
Trading account gains and fees	$6,367,000	53
Additional Noninterest Income	$95,844,000	104
Total noninterest expense	$324,236,000	85
Salaries and employee benefits	$153,431,000	65
Premises and equipment expense	$36,442,000	100
Additional noninterest expense	$134,363,000	101
Pre-tax net operating income	$212,390,000	68
Securities gains (losses)	$193,000	682
Applicable income taxes	$72,591,000	68
Income before extraordinary items	$139,992,000	69
Extraordinary gains, net	$0	65
Net income	$139,992,000	69
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,156,000	122
Cash dividends	$80,069,000	90
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$139,864,620	70
1994-12-31 (YTD Data)		Rank
Total interest income	$360,914,000	150
Total interest expense	$167,002,000	136
Net interest income	$193,912,000	157
Provision for loan and lease losses	$21,122,000	106
Total noninterest income	$112,752,000	123
Gross Fiduciary activities income	$10,045,000	149
Service charges on deposit accounts	$18,006,000	144
Trading account gains and fees	$4,812,000	51
Additional Noninterest Income	$79,889,000	107
Total noninterest expense	$180,349,000	156
Salaries and employee benefits	$90,576,000	117
Premises and equipment expense	$22,277,000	153
Additional noninterest expense	$67,496,000	180
Pre-tax net operating income	$105,193,000	133
Securities gains (losses)	$74,000	928
Applicable income taxes	$35,811,000	134
Income before extraordinary items	$69,456,000	146
Extraordinary gains, net	$0	249
Net income	$69,456,000	146
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,739,000	216
Cash dividends	$37,118,000	144
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$69,407,160	138
1993-12-31 (YTD Data)		Rank
Total interest income	$300,384,000	159
Total interest expense	$121,325,000	166
Net interest income	$179,059,000	166
Provision for loan and lease losses	$21,297,000	147
Total noninterest income	$114,931,000	110
Gross Fiduciary activities income	$9,992,000	149
Service charges on deposit accounts	$17,581,000	143
Trading account gains and fees	$3,937,000	74
Additional Noninterest Income	$83,421,000	91
Total noninterest expense	$181,145,000	143
Salaries and employee benefits	$76,196,000	125
Premises and equipment expense	$23,962,000	133
Additional noninterest expense	$80,987,000	156
Pre-tax net operating income	$91,548,000	133
Securities gains (losses)	$387,000	1,081
Applicable income taxes	$30,112,000	132
Income before extraordinary items	$61,823,000	140
Extraordinary gains, net	$0	3,149
Net income	$61,823,000	140
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,759,000	255
Cash dividends	$28,172,000	141
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$61,563,710	138
1992-12-31 (YTD Data)		Rank
Total interest income	$297,346,000	173
Total interest expense	$131,782,000	186
Net interest income	$165,564,000	161
Provision for loan and lease losses	$20,173,000	210
Total noninterest income	$94,194,000	127
Gross Fiduciary activities income	$8,693,000	161
Service charges on deposit accounts	$17,576,000	133
Trading account gains and fees	$4,558,000	72
Additional Noninterest Income	$63,367,000	106
Total noninterest expense	$167,825,000	148
Salaries and employee benefits	$67,274,000	133
Premises and equipment expense	$20,830,000	159
Additional noninterest expense	$79,721,000	149
Pre-tax net operating income	$71,760,000	120
Securities gains (losses)	$144,000	2,469
Applicable income taxes	$21,441,000	134
Income before extraordinary items	$50,463,000	133
Extraordinary gains, net	$0	1,422
Net income	$50,463,000	136
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,202,000	250
Cash dividends	$16,768,000	144
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$50,362,200	119

* 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.