Chart 1 - D Link

Chart 1

Noninterest Income Provides a Growing Share of Bank Revenues

Year No. of Inst. Total Interest Income Total Interest Expense Net Interest Income Total Non-Interest Income Total Non-Interest Expense Provision for Loan and Lease Losses Pre-tax Net Operating Income Securities Gains/Losses (-) Applicable Income Taxes Net Extra-ordinary Items Net Income

2000 8,315 427,985,443 224,195,004 203,790,442 152,750,779 215,752,512 29,254,257 111,534,449 -2,285,246 38,043,448 -30,226 71,175,520 1975 24%

1999 8,580 367,321,536 175,128,619 192,192,909 144,399,890 204,195,999 21,813,747 110,583,061 181,015 39,377,440 168,882 71,555,517 18%

1998 8,774 362,019,427 179,266,364 182,753,063 123,698,673 194,142,572 22,215,610 90,093,554 3,130,738 31,946,386 506,756 61,784,652 18%

1997 9,142 339,540,553 165,038,458 174,502,093 104,498,556 169,982,976 19,851,445 89,166,230 1,841,825 31,871,301 19,084 59,155,806 18%

1996 9,527 312,742,340 149,988,642 162,753,698 93,568,711 160,698,237 16,285,397 79,338,775 1,113,584 28,190,602 88,396 52,350,138 18%

1995 9,940 302,382,735 148,172,638 154,210,062 82,425,540 149,728,728 12,602,826 74,304,083 540,982 26,125,448 25,671 48,745,268 1980 20%

1994 10,451 257,828,305 111,277,545 146,550,766 76,276,366 144,234,492 10,965,161 67,627,473 -570,667 22,419,323 -15,227 44,622,203 22%

1993 10,958 245,055,191 105,742,497 139,312,686 74,954,193 139,695,401 16,813,860 57,757,626 3,059,652 19,852,095 2,069,971 43,035,111 23%

1992 11,462 255,223,143 121,804,746 133,418,416 65,648,171 130,965,454 26,048,204 42,052,910 4,005,452 14,480,572 408,755 31,986,575 24%

1991 11,921 289,214,022 167,302,352 121,911,675 59,739,039 124,794,714 34,314,237 22,541,758 2,971,851 8,264,847 686,675 17,935,435 25%

1990 12,343 320,475,804 204,952,380 115,523,415 54,899,362 115,768,467 32,087,055 22,567,264 481,249 7,704,184 646,766 15,991,078 1985 25%

1989 12,709 317,371,442 205,141,604 112,229,834 50,915,568 108,121,205 31,020,096 24,004,105 801,197 9,540,222 309,802 15,574,853 27%

1988 13,123 272,276,911 165,027,852 107,249,055 44,953,378 101,329,856 17,164,470 33,708,111 279,458 9,987,808 812,450 24,812,194 29%

1987 13,703 244,839,538 144,952,607 99,886,934 41,481,014 97,244,511 37,543,826 6,579,608 1,427,364 5,404,283 200,526 2,803,219 30%

1986 14,199 237,765,872 142,829,241 94,935,622 35,876,520 90,249,964 22,105,877 18,457,310 3,950,856 5,265,640 276,192 17,417,674 31%

1985 14,407 248,220,304 157,322,506 90,897,788 31,054,038 82,364,741 17,774,041 21,813,054 1,565,198 5,628,710 227,500 17,977,015 1990 32%

1984 14,482 250,339,385 169,078,046 81,261,268 26,510,416 73,811,526 13,816,166 20,144,063 -140,398 4,721,246 218,111 15,499,844 33%

1983 14,469 217,226,000 143,887,000 73,339,000 23,269,000 66,909,000 10,802,000 18,896,000 -21,000 4,017,000 73,000 14,931,000 33%

1982 14,451 238,316,000 169,343,000 68,972,000 20,176,000 61,561,000 8,342,000 19,245,000 -1,280,000 3,037,000 68,000 14,996,000 35%

1981 14,414 231,274,000 169,840,000 61,431,000 17,527,000 53,658,000 5,066,000 20,234,000 -1,583,000 3,904,000 56,000 14,803,000 34%

1980 14,434 176,419,000 120,122,000 56,297,000 14,348,000 46,662,000 4,478,000 19,505,000 -854,000 4,658,000 17,000 14,010,000 1995 35%

1979 14,364 138,900,000 87,912,000 50,988,000 11,381,000 40,692,000 3,785,000 17,891,000 -650,000 4,442,000 39,000 12,838,000 37%

1978 14,391 103,957,000 59,383,000 44,574,000 9,625,000 35,573,000 3,526,000 15,101,000 -447,000 3,940,000 45,000 10,759,000 37%

1977 14,411 82,252,000 44,565,000 37,687,000 8,106,000 30,925,000 3,303,000 11,565,000 142,000 2,875,000 47,000 8,879,000 40%

1976 14,410 73,033,000 39,328,000 33,705,000 7,630,000 27,731,000 3,691,000 9,914,000 312,000 2,409,000 26,000 7,843,000 43%

1975 14,384 57,917,000 30,240,000 27,675,000 8,643,000 23,729,000 3,612,000 8,977,000 37,000 1,793,000 34,000 7,255,000 2000 43%

1974 14,230 61,218,304 35,070,707 26,148,000 6,925,858 21,545,066 2,290,000 9,238,000 -87,000 2,084,000 11,920 7,078,920 20.9%

1973 13,976 47,034,126 24,489,474 22,545,000 5,999,992 18,571,197 1,263,695 8,709,305 -27,000 2,122,000 21,561 6,581,866 21.0%

1972 13,733 35,029,550 15,602,943 19,427,000 5,220,022 16,423,000 972,238 7,251,762 92,000 1,708,000 20,000 5,655,762 21.2%

1971 13,612 31,628,167 13,603,029 18,025,000 4,747,470 15,191,318 868,000 6,713,000 213,000 1,689,000 -639 5,236,361 20.8%

1970 13,511 30,513,367 12,455,568 18,057,000 4,202,192 14,428,000 703,150 7,126,850 -104,000 2,173,000 -12,810 4,837,040 18.9%

1969 13,473 27,284,580 11,532,649 15,753,000 3,521,000 12,024,000 521,064 6,727,936 -237,000 2,164,000 6,914 4,333,850 18.3%

1968 13,487 22,501,000 9,314,986 13,186,000 2,974,000 10,140,000 512,000 5,509,000 -457,000 1,266,000 N/A 3,786,000 18.4%

1967 13,514 19,152,000 7,733,664 11,418,000 2,626,000 8,903,000 434,000 4,707,000 -21,000 1,177,154 N/A 3,508,846 18.7%

1966 13,538 17,135,311 6,627,811 10,508,000 2,373,049 8,001,000 417,000 4,462,000 -392,447 1,029,906 N/A 3,039,647 18.4%

1965 13,544 14,714,998 5,316,463 9,399,000 2,113,598 7,298,404 324,000 3,891,000 -426 1,029,162 N/A 2,861,412 18.4%

1964 13,493 13,110,723 4,241,087 8,870,000 1,924,674 6,780,301 251,000 3,764,000 -14,000 1,148,000 N/A 2,602,000 17.8%

1963 13,291 11,769,514 3,574,160 8,196,000 1,750,146 6,205,747 238,000 3,502,000 118,000 1,227,000 N/A 2,393,000 17.6%

1962 13,124 10,570,237 2,911,371 7,659,000 1,659,832 5,746,184 167,000 3,406,000 198,000 1,256,000 N/A 2,348,000 17.8%

1961 13,115 9,539,866 2,146,465 7,394,000 1,549,882 5,383,121 190,000 3,371,000 409,000 1,406,000 N/A 2,374,000 17.3%

1960 13,126 9,176,124 1,874,495 7,302,000 1,578,332 5,141,947 206,000 3,532,000 110,000 1,384,000 N/A 2,257,000 17.8%

1959 13,114 8,247,427 1,661,819 6,585,000 1,456,000 4,853,000 53,000 3,135,000 -698,000 884,000 N/A 1,553,000 18.1%

1958 13,124 7,187,001 1,407,102 5,780,000 1,333,549 4,286,200 61,000 2,766,000 588,000 1,271,000 N/A 2,082,000 18.7%

1957 13,165 6,817,876 1,193,487 5,625,000 1,243,996 4,046,849 72,000 2,750,000 -173,000 998,000 N/A 1,578,000 18.1%

1956 13,218 6,125,887 853,638 5,272,000 1,122,401 3,725,264 92,000 2,577,000 -286,000 815,000 N/A 1,476,000 17.6%

1955 13,237 5,381,731 703,911 4,677,000 1,020,131 3,370,149 49,000 2,278,000 -164,000 794,000 N/A 1,320,000 17.9%

1954 13,323 4,860,554 629,809 4,231,000 930,856 3,086,997 44,000 2,031,000 350,000 908,000 N/A 1,473,000 18.0%

1953 13,432 4,660,704 561,643 4,098,000 837,205 2,901,868 59,000 1,974,000 -117,000 786,000 N/A 1,070,000 17.0%

1952 13,439 4,160,052 482,655 3,677,000 786,790 2,603,125 35,000 1,826,000 -64,000 695,000 N/A 1,067,000 17.6%

1951 13,455 3,658,157 398,887 3,259,000 755,208 2,344,819 35,000 1,634,000 -27,000 559,000 N/A 1,047,000 18.8%

1950 13,446 3,248,881 351,669 2,897,000 700,276 2,119,959 29,000 1,448,000 52,000 428,000 N/A 1,072,000 19.5%

1949 13,436 2,975,206 336,685 2,638,000 650,905 1,970,570 59,000 1,259,000 35,000 325,000 N/A 968,000 19.8%

1948 13,419 2,797,697 325,232 2,473,000 642,386 1,852,356 28,000 1,235,000 -19,000 275,000 N/A 941,000 20.6%

1947 13,403 2,540,943 306,911 2,234,000 601,913 1,687,469 53,000 1,096,000 -18,000 302,000 N/A 775,000 21.2%

1946 13,359 2,346,137 279,333 2,067,000 576,135 1,505,420 -3,000 1,141,000 76,000 323,000 N/A 894,000 21.8%

1945 13,302 2,027,175 247,538 1,779,000 577,859 1,309,173 -11,000 1,059,000 134,000 299,000 N/A 894,000 24.5%

1944 13,268 1,788,253 201,530 1,586,000 519,402 1,199,437 -14,000 920,000 19,000 203,000 N/A 736,000 24.7%

1943 13,274 1,567,412 178,726 1,388,000 484,142 1,118,345 -10,000 764,000 -13,000 128,000 N/A 623,000 25.9%

1942 13,347 1,427,298 189,533 1,237,000 419,540 1,085,179 12,000 560,000 -54,000 80,000 N/A 426,000 25.3%

1941 13,427 1,357,175 208,193 1,149,000 446,483 1,101,531 33,000 460,000 -16,000 8,000 N/A 436,000 28.0%

1940 13,438 1,268,650 218,577 1,049,000 435,928 1,033,191 48,000 404,000 -15,000 6,000 N/A 383,000 29.4%

1939 13,534 1,248,681 234,307 1,015,000 423,392 992,045 71,000 375,000 0 5,000 N/A 370,000 29.4%

1938 13,657 1,236,854 249,990 987,000 409,068 968,050 94,000 334,000 -49,000 4,000 N/A 281,000 29.3%

1937 13,795 1,282,019 260,878 1,021,000 409,512 958,453 52,000 421,000 -59,000 5,000 N/A 357,000 28.6%

1936 13,969 1,236,991 273,383 964,000 504,638 949,833 140,000 379,000 113,000 2,000 N/A 490,000 34.4%

1935 14,123 1,190,727 298,196 893,000 582,979 853,888 237,000 385,000 -211,000 N/A N/A 174,000 39.5%

1934 14,137 1,241,092 327,723 913,000 469,533 863,300 500,000 20,000 -377,000 N/A N/A -357,000 34.0%

Year	No. of Inst.	Total Interest Income	Total Interest Expense	Net Interest Income	Total Non-Interest Income	Total Non-Interest Expense	Provision for Loan and Lease Losses	Pre-tax Net Operating Income	Securities Gains/Losses (-)	Applicable Income Taxes	Net Extra-ordinary Items	Net Income
2000	8,315	427,985,443	224,195,004	203,790,442	152,750,779	215,752,512	29,254,257	111,534,449	-2,285,246	38,043,448	-30,226	71,175,520	1975	24%
1999	8,580	367,321,536	175,128,619	192,192,909	144,399,890	204,195,999	21,813,747	110,583,061	181,015	39,377,440	168,882	71,555,517		18%
1998	8,774	362,019,427	179,266,364	182,753,063	123,698,673	194,142,572	22,215,610	90,093,554	3,130,738	31,946,386	506,756	61,784,652		18%
1997	9,142	339,540,553	165,038,458	174,502,093	104,498,556	169,982,976	19,851,445	89,166,230	1,841,825	31,871,301	19,084	59,155,806		18%
1996	9,527	312,742,340	149,988,642	162,753,698	93,568,711	160,698,237	16,285,397	79,338,775	1,113,584	28,190,602	88,396	52,350,138		18%
1995	9,940	302,382,735	148,172,638	154,210,062	82,425,540	149,728,728	12,602,826	74,304,083	540,982	26,125,448	25,671	48,745,268	1980	20%
1994	10,451	257,828,305	111,277,545	146,550,766	76,276,366	144,234,492	10,965,161	67,627,473	-570,667	22,419,323	-15,227	44,622,203		22%
1993	10,958	245,055,191	105,742,497	139,312,686	74,954,193	139,695,401	16,813,860	57,757,626	3,059,652	19,852,095	2,069,971	43,035,111		23%
1992	11,462	255,223,143	121,804,746	133,418,416	65,648,171	130,965,454	26,048,204	42,052,910	4,005,452	14,480,572	408,755	31,986,575		24%
1991	11,921	289,214,022	167,302,352	121,911,675	59,739,039	124,794,714	34,314,237	22,541,758	2,971,851	8,264,847	686,675	17,935,435		25%
1990	12,343	320,475,804	204,952,380	115,523,415	54,899,362	115,768,467	32,087,055	22,567,264	481,249	7,704,184	646,766	15,991,078	1985	25%
1989	12,709	317,371,442	205,141,604	112,229,834	50,915,568	108,121,205	31,020,096	24,004,105	801,197	9,540,222	309,802	15,574,853		27%
1988	13,123	272,276,911	165,027,852	107,249,055	44,953,378	101,329,856	17,164,470	33,708,111	279,458	9,987,808	812,450	24,812,194		29%
1987	13,703	244,839,538	144,952,607	99,886,934	41,481,014	97,244,511	37,543,826	6,579,608	1,427,364	5,404,283	200,526	2,803,219		30%
1986	14,199	237,765,872	142,829,241	94,935,622	35,876,520	90,249,964	22,105,877	18,457,310	3,950,856	5,265,640	276,192	17,417,674		31%
1985	14,407	248,220,304	157,322,506	90,897,788	31,054,038	82,364,741	17,774,041	21,813,054	1,565,198	5,628,710	227,500	17,977,015	1990	32%
1984	14,482	250,339,385	169,078,046	81,261,268	26,510,416	73,811,526	13,816,166	20,144,063	-140,398	4,721,246	218,111	15,499,844		33%
1983	14,469	217,226,000	143,887,000	73,339,000	23,269,000	66,909,000	10,802,000	18,896,000	-21,000	4,017,000	73,000	14,931,000		33%
1982	14,451	238,316,000	169,343,000	68,972,000	20,176,000	61,561,000	8,342,000	19,245,000	-1,280,000	3,037,000	68,000	14,996,000		35%
1981	14,414	231,274,000	169,840,000	61,431,000	17,527,000	53,658,000	5,066,000	20,234,000	-1,583,000	3,904,000	56,000	14,803,000		34%
1980	14,434	176,419,000	120,122,000	56,297,000	14,348,000	46,662,000	4,478,000	19,505,000	-854,000	4,658,000	17,000	14,010,000	1995	35%
1979	14,364	138,900,000	87,912,000	50,988,000	11,381,000	40,692,000	3,785,000	17,891,000	-650,000	4,442,000	39,000	12,838,000		37%
1978	14,391	103,957,000	59,383,000	44,574,000	9,625,000	35,573,000	3,526,000	15,101,000	-447,000	3,940,000	45,000	10,759,000		37%
1977	14,411	82,252,000	44,565,000	37,687,000	8,106,000	30,925,000	3,303,000	11,565,000	142,000	2,875,000	47,000	8,879,000		40%
1976	14,410	73,033,000	39,328,000	33,705,000	7,630,000	27,731,000	3,691,000	9,914,000	312,000	2,409,000	26,000	7,843,000		43%
1975	14,384	57,917,000	30,240,000	27,675,000	8,643,000	23,729,000	3,612,000	8,977,000	37,000	1,793,000	34,000	7,255,000	2000	43%
1974	14,230	61,218,304	35,070,707	26,148,000	6,925,858	21,545,066	2,290,000	9,238,000	-87,000	2,084,000	11,920	7,078,920		20.9%
1973	13,976	47,034,126	24,489,474	22,545,000	5,999,992	18,571,197	1,263,695	8,709,305	-27,000	2,122,000	21,561	6,581,866		21.0%
1972	13,733	35,029,550	15,602,943	19,427,000	5,220,022	16,423,000	972,238	7,251,762	92,000	1,708,000	20,000	5,655,762		21.2%
1971	13,612	31,628,167	13,603,029	18,025,000	4,747,470	15,191,318	868,000	6,713,000	213,000	1,689,000	-639	5,236,361		20.8%
1970	13,511	30,513,367	12,455,568	18,057,000	4,202,192	14,428,000	703,150	7,126,850	-104,000	2,173,000	-12,810	4,837,040		18.9%
1969	13,473	27,284,580	11,532,649	15,753,000	3,521,000	12,024,000	521,064	6,727,936	-237,000	2,164,000	6,914	4,333,850		18.3%
1968	13,487	22,501,000	9,314,986	13,186,000	2,974,000	10,140,000	512,000	5,509,000	-457,000	1,266,000	N/A	3,786,000		18.4%
1967	13,514	19,152,000	7,733,664	11,418,000	2,626,000	8,903,000	434,000	4,707,000	-21,000	1,177,154	N/A	3,508,846		18.7%
1966	13,538	17,135,311	6,627,811	10,508,000	2,373,049	8,001,000	417,000	4,462,000	-392,447	1,029,906	N/A	3,039,647		18.4%
1965	13,544	14,714,998	5,316,463	9,399,000	2,113,598	7,298,404	324,000	3,891,000	-426	1,029,162	N/A	2,861,412		18.4%
1964	13,493	13,110,723	4,241,087	8,870,000	1,924,674	6,780,301	251,000	3,764,000	-14,000	1,148,000	N/A	2,602,000		17.8%
1963	13,291	11,769,514	3,574,160	8,196,000	1,750,146	6,205,747	238,000	3,502,000	118,000	1,227,000	N/A	2,393,000		17.6%
1962	13,124	10,570,237	2,911,371	7,659,000	1,659,832	5,746,184	167,000	3,406,000	198,000	1,256,000	N/A	2,348,000		17.8%
1961	13,115	9,539,866	2,146,465	7,394,000	1,549,882	5,383,121	190,000	3,371,000	409,000	1,406,000	N/A	2,374,000		17.3%
1960	13,126	9,176,124	1,874,495	7,302,000	1,578,332	5,141,947	206,000	3,532,000	110,000	1,384,000	N/A	2,257,000		17.8%
1959	13,114	8,247,427	1,661,819	6,585,000	1,456,000	4,853,000	53,000	3,135,000	-698,000	884,000	N/A	1,553,000		18.1%
1958	13,124	7,187,001	1,407,102	5,780,000	1,333,549	4,286,200	61,000	2,766,000	588,000	1,271,000	N/A	2,082,000		18.7%
1957	13,165	6,817,876	1,193,487	5,625,000	1,243,996	4,046,849	72,000	2,750,000	-173,000	998,000	N/A	1,578,000		18.1%
1956	13,218	6,125,887	853,638	5,272,000	1,122,401	3,725,264	92,000	2,577,000	-286,000	815,000	N/A	1,476,000		17.6%
1955	13,237	5,381,731	703,911	4,677,000	1,020,131	3,370,149	49,000	2,278,000	-164,000	794,000	N/A	1,320,000		17.9%
1954	13,323	4,860,554	629,809	4,231,000	930,856	3,086,997	44,000	2,031,000	350,000	908,000	N/A	1,473,000		18.0%
1953	13,432	4,660,704	561,643	4,098,000	837,205	2,901,868	59,000	1,974,000	-117,000	786,000	N/A	1,070,000		17.0%
1952	13,439	4,160,052	482,655	3,677,000	786,790	2,603,125	35,000	1,826,000	-64,000	695,000	N/A	1,067,000		17.6%
1951	13,455	3,658,157	398,887	3,259,000	755,208	2,344,819	35,000	1,634,000	-27,000	559,000	N/A	1,047,000		18.8%
1950	13,446	3,248,881	351,669	2,897,000	700,276	2,119,959	29,000	1,448,000	52,000	428,000	N/A	1,072,000		19.5%
1949	13,436	2,975,206	336,685	2,638,000	650,905	1,970,570	59,000	1,259,000	35,000	325,000	N/A	968,000		19.8%
1948	13,419	2,797,697	325,232	2,473,000	642,386	1,852,356	28,000	1,235,000	-19,000	275,000	N/A	941,000		20.6%
1947	13,403	2,540,943	306,911	2,234,000	601,913	1,687,469	53,000	1,096,000	-18,000	302,000	N/A	775,000		21.2%
1946	13,359	2,346,137	279,333	2,067,000	576,135	1,505,420	-3,000	1,141,000	76,000	323,000	N/A	894,000		21.8%
1945	13,302	2,027,175	247,538	1,779,000	577,859	1,309,173	-11,000	1,059,000	134,000	299,000	N/A	894,000		24.5%
1944	13,268	1,788,253	201,530	1,586,000	519,402	1,199,437	-14,000	920,000	19,000	203,000	N/A	736,000		24.7%
1943	13,274	1,567,412	178,726	1,388,000	484,142	1,118,345	-10,000	764,000	-13,000	128,000	N/A	623,000		25.9%
1942	13,347	1,427,298	189,533	1,237,000	419,540	1,085,179	12,000	560,000	-54,000	80,000	N/A	426,000		25.3%
1941	13,427	1,357,175	208,193	1,149,000	446,483	1,101,531	33,000	460,000	-16,000	8,000	N/A	436,000		28.0%
1940	13,438	1,268,650	218,577	1,049,000	435,928	1,033,191	48,000	404,000	-15,000	6,000	N/A	383,000		29.4%
1939	13,534	1,248,681	234,307	1,015,000	423,392	992,045	71,000	375,000	0	5,000	N/A	370,000		29.4%
1938	13,657	1,236,854	249,990	987,000	409,068	968,050	94,000	334,000	-49,000	4,000	N/A	281,000		29.3%
1937	13,795	1,282,019	260,878	1,021,000	409,512	958,453	52,000	421,000	-59,000	5,000	N/A	357,000		28.6%
1936	13,969	1,236,991	273,383	964,000	504,638	949,833	140,000	379,000	113,000	2,000	N/A	490,000		34.4%
1935	14,123	1,190,727	298,196	893,000	582,979	853,888	237,000	385,000	-211,000	N/A	N/A	174,000		39.5%
1934	14,137	1,241,092	327,723	913,000	469,533	863,300	500,000	20,000	-377,000	N/A	N/A	-357,000		34.0%