USTrust, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $436,888,000 | 129 |
| Total interest expense | $168,041,000 | 151 |
| Net interest income | $268,847,000 | 115 |
| Provision for loan and lease losses | $13,993,000 | 168 |
| Total noninterest income | $47,403,000 | 235 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $15,410,000 | 141 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $31,993,000 | 231 |
| Total noninterest expense | $197,546,000 | 146 |
| Salaries and employee benefits | $95,397,000 | 115 |
| Premises and equipment expense | $29,347,000 | 122 |
| Additional noninterest expense | $72,802,000 | 161 |
| Pre-tax net operating income | $104,711,000 | 156 |
| Securities gains (losses) | $-5,623,000 | 10,197 |
| Applicable income taxes | $35,150,000 | 166 |
| Income before extraordinary items | $63,938,000 | 163 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $63,938,000 | 164 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,065,000 | 178 |
| Cash dividends | $26,518,000 | 220 |
| Sale, conversion, retirement of capital stock, net | $1,439,000 | 469 |
| Net operating income | $67,592,950 | 157 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $426,895,000 | 134 |
| Total interest expense | $176,452,000 | 152 |
| Net interest income | $250,443,000 | 125 |
| Provision for loan and lease losses | $1,933,000 | 594 |
| Total noninterest income | $29,073,000 | 290 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $12,377,000 | 153 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $16,696,000 | 328 |
| Total noninterest expense | $190,235,000 | 154 |
| Salaries and employee benefits | $85,095,000 | 119 |
| Premises and equipment expense | $24,409,000 | 131 |
| Additional noninterest expense | $80,731,000 | 162 |
| Pre-tax net operating income | $87,348,000 | 172 |
| Securities gains (losses) | $691,000 | 465 |
| Applicable income taxes | $31,536,000 | 165 |
| Income before extraordinary items | $56,503,000 | 184 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $56,503,000 | 184 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,048,000 | 280 |
| Cash dividends | $23,079,000 | 228 |
| Sale, conversion, retirement of capital stock, net | $2,176,000 | 373 |
| Net operating income | $56,060,760 | 178 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $284,893,000 | 186 |
| Total interest expense | $110,148,000 | 218 |
| Net interest income | $174,745,000 | 170 |
| Provision for loan and lease losses | $1,890,000 | 616 |
| Total noninterest income | $25,893,000 | 298 |
| Gross Fiduciary activities income | $142,000 | 978 |
| Service charges on deposit accounts | $9,560,000 | 174 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $16,191,000 | 301 |
| Total noninterest expense | $138,637,000 | 174 |
| Salaries and employee benefits | $63,746,000 | 146 |
| Premises and equipment expense | $18,524,000 | 164 |
| Additional noninterest expense | $56,367,000 | 190 |
| Pre-tax net operating income | $60,111,000 | 205 |
| Securities gains (losses) | $-1,491,000 | 10,904 |
| Applicable income taxes | $22,245,000 | 210 |
| Income before extraordinary items | $36,375,000 | 224 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $36,375,000 | 224 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $882,000 | 868 |
| Cash dividends | $22,275,000 | 207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $37,329,240 | 212 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $149,874,000 | 323 |
| Total interest expense | $59,817,000 | 371 |
| Net interest income | $90,057,000 | 279 |
| Provision for loan and lease losses | $-18,630,000 | 11,447 |
| Total noninterest income | $17,391,000 | 421 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $4,278,000 | 351 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $13,113,000 | 365 |
| Total noninterest expense | $83,274,000 | 282 |
| Salaries and employee benefits | $36,088,000 | 244 |
| Premises and equipment expense | $9,942,000 | 280 |
| Additional noninterest expense | $37,244,000 | 290 |
| Pre-tax net operating income | $42,804,000 | 271 |
| Securities gains (losses) | $708,000 | 336 |
| Applicable income taxes | $16,772,000 | 259 |
| Income before extraordinary items | $26,740,000 | 287 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $26,740,000 | 287 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,281,000 | 11,449 |
| Cash dividends | $5,658,000 | 627 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $26,286,880 | 279 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $140,664,000 | 345 |
| Total interest expense | $50,766,000 | 439 |
| Net interest income | $89,898,000 | 289 |
| Provision for loan and lease losses | $12,356,000 | 167 |
| Total noninterest income | $16,237,000 | 456 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $4,523,000 | 366 |
| Trading account gains and fees | $412,000 | 191 |
| Additional Noninterest Income | $11,302,000 | 396 |
| Total noninterest expense | $74,492,000 | 306 |
| Salaries and employee benefits | $32,828,000 | 279 |
| Premises and equipment expense | $9,783,000 | 296 |
| Additional noninterest expense | $31,881,000 | 310 |
| Pre-tax net operating income | $19,287,000 | 497 |
| Securities gains (losses) | $-293,000 | 11,748 |
| Applicable income taxes | $6,882,000 | 486 |
| Income before extraordinary items | $12,112,000 | 518 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $12,112,000 | 518 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,187,000 | 143 |
| Cash dividends | $1,000,000 | 2,009 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $12,299,520 | 510 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $126,364,000 | 340 |
| Total interest expense | $38,201,000 | 443 |
| Net interest income | $88,163,000 | 288 |
| Provision for loan and lease losses | $18,350,000 | 120 |
| Total noninterest income | $15,846,000 | 431 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $4,558,000 | 345 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $11,288,000 | 387 |
| Total noninterest expense | $79,545,000 | 291 |
| Salaries and employee benefits | $32,644,000 | 279 |
| Premises and equipment expense | $9,863,000 | 300 |
| Additional noninterest expense | $37,038,000 | 287 |
| Pre-tax net operating income | $6,114,000 | 1,224 |
| Securities gains (losses) | $104,000 | 759 |
| Applicable income taxes | $1,212,000 | 1,861 |
| Income before extraordinary items | $5,006,000 | 1,017 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $5,006,000 | 1,013 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,561,000 | 116 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $4,921,760 | 1,043 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $133,750,000 | 314 |
| Total interest expense | $44,558,000 | 387 |
| Net interest income | $89,192,000 | 281 |
| Provision for loan and lease losses | $59,407,000 | 59 |
| Total noninterest income | $17,451,000 | 414 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $4,947,000 | 321 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $12,504,000 | 381 |
| Total noninterest expense | $86,833,000 | 271 |
| Salaries and employee benefits | $29,613,000 | 295 |
| Premises and equipment expense | $9,378,000 | 309 |
| Additional noninterest expense | $47,842,000 | 248 |
| Pre-tax net operating income | $-39,597,000 | 13,297 |
| Securities gains (losses) | $2,836,000 | 249 |
| Applicable income taxes | $-14,471,000 | 13,272 |
| Income before extraordinary items | $-22,290,000 | 13,245 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-22,290,000 | 13,242 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,273,000 | 81 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-24,105,040 | 13,245 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $54,329,000 | 723 |
| Total interest expense | $24,307,000 | 774 |
| Net interest income | $30,022,000 | 676 |
| Provision for loan and lease losses | $18,935,000 | 219 |
| Total noninterest income | $4,668,000 | 1,038 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $2,539,000 | 542 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $2,129,000 | 1,188 |
| Total noninterest expense | $40,096,000 | 483 |
| Salaries and employee benefits | $7,412,000 | 915 |
| Premises and equipment expense | $2,719,000 | 878 |
| Additional noninterest expense | $29,965,000 | 348 |
| Pre-tax net operating income | $-24,341,000 | 13,925 |
| Securities gains (losses) | $2,270,000 | 369 |
| Applicable income taxes | $-7,914,000 | 13,914 |
| Income before extraordinary items | $-14,157,000 | 13,883 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-14,157,000 | 13,882 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,052,000 | 164 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-15,609,800 | 13,872 |
* 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.