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%