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Standard Federal Bank, Income and Expense

2000-12-31 (YTD Data)		Rank
Total interest income	$1,278,066,000	66
Total interest expense	$872,310,000	53
Net interest income	$405,756,000	84
Provision for loan and lease losses	$5,792,000	287
Total noninterest income	$267,574,000	89
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	180
Additional Noninterest Income	$267,574,000	67
Total noninterest expense	$556,796,000	70
Salaries and employee benefits	$159,449,000	78
Premises and equipment expense	$168,881,000	31
Additional noninterest expense	$228,466,000	79
Pre-tax net operating income	$110,742,000	143
Securities gains (losses)	$67,338,000	6
Applicable income taxes	$81,994,000	76
Income before extraordinary items	$96,086,000	112
Extraordinary gains, net	$0	38
Net income	$96,086,000	111
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,486,000	288
Cash dividends	$164,000,000	59
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$52,989,680	171
1999-12-31 (YTD Data)		Rank
Total interest income	$1,177,070,000	64
Total interest expense	$734,137,000	47
Net interest income	$442,933,000	76
Provision for loan and lease losses	$10,710,000	190
Total noninterest income	$102,758,000	160
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	173
Additional Noninterest Income	$102,758,000	123
Total noninterest expense	$419,342,000	79
Salaries and employee benefits	$116,890,000	101
Premises and equipment expense	$113,367,000	43
Additional noninterest expense	$189,085,000	85
Pre-tax net operating income	$115,639,000	145
Securities gains (losses)	$112,365,000	6
Applicable income taxes	$101,567,000	78
Income before extraordinary items	$126,437,000	98
Extraordinary gains, net	$0	35
Net income	$126,437,000	99
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,169,000	174
Cash dividends	$76,500,000	111
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$54,523,400	180
1998-12-31 (YTD Data)		Rank
Total interest income	$1,095,606,000	65
Total interest expense	$685,455,000	51
Net interest income	$410,151,000	81
Provision for loan and lease losses	$15,055,000	165
Total noninterest income	$53,264,000	226
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	224
Additional Noninterest Income	$53,264,000	178
Total noninterest expense	$415,991,000	82
Salaries and employee benefits	$93,444,000	112
Premises and equipment expense	$143,317,000	26
Additional noninterest expense	$179,230,000	93
Pre-tax net operating income	$32,369,000	307
Securities gains (losses)	$150,281,000	8
Applicable income taxes	$88,587,000	79
Income before extraordinary items	$94,063,000	119
Extraordinary gains, net	$0	32
Net income	$94,063,000	120
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,603,000	183
Cash dividends	$4,293,000	724
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$-2,116,840	10,408
1997-12-31 (YTD Data)		Rank
Total interest income	$854,664,000	76
Total interest expense	$534,791,000	62
Net interest income	$319,873,000	98
Provision for loan and lease losses	$8,642,000	225
Total noninterest income	$65,068,000	185
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$603,000	101
Additional Noninterest Income	$64,465,000	138
Total noninterest expense	$252,009,000	111
Salaries and employee benefits	$88,478,000	113
Premises and equipment expense	$40,789,000	85
Additional noninterest expense	$122,742,000	116
Pre-tax net operating income	$124,290,000	121
Securities gains (losses)	$36,164,000	16
Applicable income taxes	$74,116,000	80
Income before extraordinary items	$86,338,000	117
Extraordinary gains, net	$0	44
Net income	$86,338,000	117
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,369,000	249
Cash dividends	$177,500,000	52
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$63,193,040	153
1996-12-31 (YTD Data)		Rank
Total interest income	$1,068,470,000	56
Total interest expense	$671,430,000	39
Net interest income	$397,040,000	82
Provision for loan and lease losses	$5,480,000	320
Total noninterest income	$73,280,000	187
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$418,000	128
Additional Noninterest Income	$72,862,000	136
Total noninterest expense	$316,386,000	98
Salaries and employee benefits	$111,246,000	103
Premises and equipment expense	$45,810,000	77
Additional noninterest expense	$159,330,000	94
Pre-tax net operating income	$148,454,000	105
Securities gains (losses)	$19,224,000	24
Applicable income taxes	$64,939,000	88
Income before extraordinary items	$102,739,000	104
Extraordinary gains, net	$-43,032,000	11,453
Net income	$59,707,000	166
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,806,000	303
Cash dividends	$18,129,000	301
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$90,435,640	111
1995-12-31 (YTD Data)		Rank
Total interest income	$917,454,000	68
Total interest expense	$593,212,000	41
Net interest income	$324,242,000	96
Provision for loan and lease losses	$1,704,000	646
Total noninterest income	$62,536,000	203
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$8,597,000	49
Additional Noninterest Income	$53,939,000	147
Total noninterest expense	$202,734,000	141
Salaries and employee benefits	$78,996,000	131
Premises and equipment expense	$39,238,000	91
Additional noninterest expense	$84,500,000	158
Pre-tax net operating income	$182,340,000	83
Securities gains (losses)	$12,066,000	25
Applicable income taxes	$74,474,000	62
Income before extraordinary items	$119,932,000	82
Extraordinary gains, net	$0	65
Net income	$119,932,000	82
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$945,000	910
Cash dividends	$46,999,000	135
Sale, conversion, retirement of capital stock, net	NA	NA
Net operating income	$112,209,760	90
1994-12-31 (YTD Data)		Rank
Total interest income	$768,411,000	62
Total interest expense	$420,248,000	34
Net interest income	$348,163,000	79
Provision for loan and lease losses	$-986,000	12,526
Total noninterest income	$51,779,000	218
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	475
Additional Noninterest Income	$51,779,000	138
Total noninterest expense	$214,761,000	133
Salaries and employee benefits	$78,369,000	134
Premises and equipment expense	$39,609,000	85
Additional noninterest expense	$96,783,000	138
Pre-tax net operating income	$186,167,000	75
Securities gains (losses)	$7,836,000	26
Applicable income taxes	$75,001,000	61
Income before extraordinary items	$119,002,000	76
Extraordinary gains, net	$0	249
Net income	$119,002,000	76
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,449,000	321
Cash dividends	$19,470,000	220
Sale, conversion, retirement of capital stock, net	$2,792,000	253
Net operating income	$113,986,960	81
1993-12-31 (YTD Data)		Rank
Total interest income	$755,359,000	54
Total interest expense	$409,564,000	33
Net interest income	$345,795,000	78
Provision for loan and lease losses	$12,130,000	243
Total noninterest income	$40,916,000	243
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$40,916,000	158
Total noninterest expense	$202,303,000	133
Salaries and employee benefits	$64,126,000	151
Premises and equipment expense	$33,502,000	101
Additional noninterest expense	$104,675,000	126
Pre-tax net operating income	$172,278,000	62
Securities gains (losses)	$23,516,000	35
Applicable income taxes	$74,514,000	51
Income before extraordinary items	$121,280,000	62
Extraordinary gains, net	$0	3,149
Net income	$121,280,000	64
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,573,000	287
Cash dividends	$18,368,000	187
Sale, conversion, retirement of capital stock, net	$2,736,000	296
Net operating income	$106,229,760	72
1992-12-31 (YTD Data)		Rank
Total interest income	$746,842,000	55
Total interest expense	$447,843,000	36
Net interest income	$298,999,000	83
Provision for loan and lease losses	$11,729,000	331
Total noninterest income	$43,408,000	222
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$43,408,000	141
Total noninterest expense	$192,138,000	128
Salaries and employee benefits	$55,240,000	162
Premises and equipment expense	$28,860,000	118
Additional noninterest expense	$108,038,000	108
Pre-tax net operating income	$138,540,000	58
Securities gains (losses)	$16,294,000	82
Applicable income taxes	$59,221,000	49
Income before extraordinary items	$95,613,000	68
Extraordinary gains, net	$0	1,422
Net income	$95,613,000	68
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,901,000	390
Cash dividends	$14,269,000	161
Sale, conversion, retirement of capital stock, net	$2,962,000	247
Net operating income	$85,184,840	74

* 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.