The Industrial Bank of Japan Trust Company, Income and Expense

2001-12-31 (YTD Data)Rank
Total interest income$105,449,000377
Total interest expense$62,843,000318
Net interest income$42,606,000451
Provision for loan and lease losses$25,638,000148
Total noninterest income$20,441,000385
Gross Fiduciary activities income$1,682,000317
Service charges on deposit accounts$142,0005,910
Trading account gains and fees$0177
Additional Noninterest Income$18,617,000304
Total noninterest expense$30,891,000543
Salaries and employee benefits$6,517,0001,136
Premises and equipment expense$4,038,000552
Additional noninterest expense$20,336,000355
Pre-tax net operating income$6,518,0001,141
Securities gains (losses)$-52,0009,451
Applicable income taxes$-155,0009,339
Income before extraordinary items$6,621,000840
Extraordinary gains, net$0105
Net income$6,621,000841
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-51,0009,416
Cash dividends$26,000,000199
Sale, conversion, retirement of capital stock, net$0922
Net operating income$6,673,000795
2000-12-31 (YTD Data)Rank
Total interest income$175,838,000280
Total interest expense$126,123,000221
Net interest income$49,715,000404
Provision for loan and lease losses$-5,841,0009,897
Total noninterest income$18,768,000391
Gross Fiduciary activities income$11,254,000110
Service charges on deposit accounts$142,0005,890
Trading account gains and fees$0180
Additional Noninterest Income$7,372,000500
Total noninterest expense$40,816,000407
Salaries and employee benefits$17,281,000437
Premises and equipment expense$4,253,000531
Additional noninterest expense$19,282,000352
Pre-tax net operating income$33,508,000310
Securities gains (losses)$-1,770,0009,795
Applicable income taxes$11,306,000313
Income before extraordinary items$20,432,000332
Extraordinary gains, net$038
Net income$20,432,000332
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-25,0009,459
Cash dividends$37,694,000166
Sale, conversion, retirement of capital stock, net$0969
Net operating income$21,564,800311
1999-12-31 (YTD Data)Rank
Total interest income$177,245,000253
Total interest expense$130,116,000192
Net interest income$47,129,000443
Provision for loan and lease losses$-21,039,00010,219
Total noninterest income$16,879,000447
Gross Fiduciary activities income$3,668,000236
Service charges on deposit accounts$174,0005,471
Trading account gains and fees$0173
Additional Noninterest Income$13,037,000387
Total noninterest expense$37,945,000446
Salaries and employee benefits$12,828,000565
Premises and equipment expense$4,262,000535
Additional noninterest expense$20,855,000352
Pre-tax net operating income$47,102,000259
Securities gains (losses)$-1,093,00010,146
Applicable income taxes$20,732,000222
Income before extraordinary items$25,277,000308
Extraordinary gains, net$035
Net income$25,277,000308
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$4,981,000263
Cash dividends$9,620,000408
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$25,976,520293
1998-12-31 (YTD Data)Rank
Total interest income$245,428,000200
Total interest expense$192,769,000139
Net interest income$52,659,000389
Provision for loan and lease losses$-1,103,00010,424
Total noninterest income$21,842,000360
Gross Fiduciary activities income$11,238,000128
Service charges on deposit accounts$205,0005,088
Trading account gains and fees$0224
Additional Noninterest Income$10,399,000430
Total noninterest expense$51,857,000335
Salaries and employee benefits$15,660,000467
Premises and equipment expense$5,741,000396
Additional noninterest expense$30,456,000280
Pre-tax net operating income$23,747,000386
Securities gains (losses)$1,949,000236
Applicable income taxes$11,955,000309
Income before extraordinary items$13,741,000442
Extraordinary gains, net$032
Net income$13,741,000442
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$571,0001,133
Cash dividends$24,000,000225
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$12,493,640460
1997-12-31 (YTD Data)Rank
Total interest income$256,549,000204
Total interest expense$198,843,000143
Net interest income$57,706,000363
Provision for loan and lease losses$-17,921,00010,923
Total noninterest income$19,947,000356
Gross Fiduciary activities income$8,576,000148
Service charges on deposit accounts$210,0005,201
Trading account gains and fees$0239
Additional Noninterest Income$11,161,000378
Total noninterest expense$46,543,000346
Salaries and employee benefits$16,106,000429
Premises and equipment expense$5,758,000383
Additional noninterest expense$24,679,000299
Pre-tax net operating income$49,031,000235
Securities gains (losses)$03,944
Applicable income taxes$22,109,000211
Income before extraordinary items$26,922,000275
Extraordinary gains, net$044
Net income$26,922,000275
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-1,980,00010,918
Cash dividends$14,191,000291
Sale, conversion, retirement of capital stock, net$-100,000,00010,921
Net operating income$26,922,000262
1996-12-31 (YTD Data)Rank
Total interest income$335,238,000179
Total interest expense$265,456,000119
Net interest income$69,782,000339
Provision for loan and lease losses$6,0008,753
Total noninterest income$12,830,000505
Gross Fiduciary activities income$8,685,000158
Service charges on deposit accounts$247,0004,865
Trading account gains and fees$-2,221,0004,711
Additional Noninterest Income$6,119,000570
Total noninterest expense$40,859,000453
Salaries and employee benefits$14,450,000498
Premises and equipment expense$6,529,000382
Additional noninterest expense$19,880,000419
Pre-tax net operating income$41,747,000278
Securities gains (losses)$3,136,000114
Applicable income taxes$20,364,000224
Income before extraordinary items$24,519,000300
Extraordinary gains, net$053
Net income$24,519,000300
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$4,884,000342
Cash dividends$22,602,000255
Sale, conversion, retirement of capital stock, net$0953
Net operating income$22,511,960307
1995-12-31 (YTD Data)Rank
Total interest income$336,199,000187
Total interest expense$267,674,000117
Net interest income$68,525,000349
Provision for loan and lease losses$-6,237,00011,950
Total noninterest income$13,486,000507
Gross Fiduciary activities income$7,735,000180
Service charges on deposit accounts$163,0006,386
Trading account gains and fees$-2,510,0004,843
Additional Noninterest Income$8,098,000493
Total noninterest expense$46,431,000421
Salaries and employee benefits$15,238,000484
Premises and equipment expense$9,104,000317
Additional noninterest expense$22,089,000405
Pre-tax net operating income$41,817,000293
Securities gains (losses)$1,179,000195
Applicable income taxes$19,655,000241
Income before extraordinary items$23,341,000317
Extraordinary gains, net$065
Net income$23,341,000316
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$12,908,000157
Cash dividends$20,003,000254
Sale, conversion, retirement of capital stock, net$0809
Net operating income$22,586,440318
1994-12-31 (YTD Data)Rank
Total interest income$185,443,000265
Total interest expense$136,587,000174
Net interest income$48,856,000448
Provision for loan and lease losses$6,947,000235
Total noninterest income$33,767,000285
Gross Fiduciary activities income$9,153,000157
Service charges on deposit accounts$151,0006,864
Trading account gains and fees$7,000393
Additional Noninterest Income$24,456,000241
Total noninterest expense$42,902,000445
Salaries and employee benefits$15,139,000490
Premises and equipment expense$6,560,000403
Additional noninterest expense$21,203,000422
Pre-tax net operating income$32,774,000312
Securities gains (losses)$1,605,000113
Applicable income taxes$15,324,000254
Income before extraordinary items$19,055,000328
Extraordinary gains, net$0249
Net income$19,055,000329
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$12,033,000163
Cash dividends$12,703,000294
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$18,027,800349
1993-12-31 (YTD Data)Rank
Total interest income$197,107,000237
Total interest expense$129,553,000158
Net interest income$67,554,000339
Provision for loan and lease losses$19,758,000162
Total noninterest income$23,640,000355
Gross Fiduciary activities income$14,741,000116
Service charges on deposit accounts$153,0007,016
Trading account gains and fees$16,000392
Additional Noninterest Income$8,730,000467
Total noninterest expense$49,566,000405
Salaries and employee benefits$14,139,000534
Premises and equipment expense$7,226,000376
Additional noninterest expense$28,201,000367
Pre-tax net operating income$21,870,000384
Securities gains (losses)$1,739,000360
Applicable income taxes$10,463,000301
Income before extraordinary items$13,146,000431
Extraordinary gains, net$3,894,00083
Net income$17,040,000362
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$12,519,000231
Cash dividends$10,812,000265
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$12,033,040438
1992-12-31 (YTD Data)Rank
Total interest income$216,346,000234
Total interest expense$147,613,000166
Net interest income$68,733,000346
Provision for loan and lease losses$29,768,000164
Total noninterest income$34,794,000266
Gross Fiduciary activities income$13,574,000120
Service charges on deposit accounts$143,0007,298
Trading account gains and fees$26,000356
Additional Noninterest Income$21,051,000262
Total noninterest expense$44,566,000451
Salaries and employee benefits$12,556,000581
Premises and equipment expense$6,973,000392
Additional noninterest expense$25,037,000392
Pre-tax net operating income$29,193,000253
Securities gains (losses)$750,000797
Applicable income taxes$13,004,000216
Income before extraordinary items$16,939,000313
Extraordinary gains, net$01,422
Net income$16,939,000318
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$15,823,000252
Cash dividends$5,176,000368
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$16,459,000287

* 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.