TABLE E-7 FIDUCIARY INCOME Reporting Year 2000 BANKS AND THRIFTS FILING SCHEDULE E PERCENTAGES OF TOTAL INCOME BY INCOME SIZE GROUP __________________________________________________________________________________ º Gross Income Size Groups ($ in Thousands) º º________________________________________________________________________________º º º º º ºUnder º º$50+ Million º$10-50 Million º$5-10 Million º$1-5 Million º$1 Million º º_______________º_______________º_______________º_______________º________________º Number of Institutions: 50 74 48 278 398 __________________________________________________________________________________ Total Assets (in thousands) of Institutions: 20,348,040,171 836,733,449 99,442,464 257,839,699 113,010,061 ____________________________________________________________________________________________________________________________________ 1. GROSS FEES, COMMISSIONS AND OTHER FIDUCIARY INCOME (a) Employee Benefit Trust Accounts 13.1% 15.9% 17.5% 16.2% 12.7% (b) Personal Trust & Estate Accounts 28.4% 36.9% 41.1% 45.6% 46.5% (c) Employee Benefit Agencies 5.2% 3.7% 3.9% 4.5% 4.8% (d) Other Agency Accounts 29.4% 28.0% 28.5% 23.7% 25.9% (e) Corporate Trust & Agency Accounts 9.8% 5.6% 3.4% 4.1% 2.2% (f) All Other Fiduciary Income 14.1% 10.0% 5.6% 5.9% 7.8% __________________________________________________________________________________ (g) Total Fiduciary Income 100.0% 100.0% 100.0% 100.0% 100.0% __________________________________________________________________________________ 2. EXPENSES (a) Salaries and Employee Benefits 31.0% 34.1% 39.5% 41.6% 62.4% (b) Other Direct Expense 18.3% 17.6% 22.2% 20.4% 29.1% (c) Allocated Indirect Expense 22.9% 18.8% 12.4% 13.2% 16.2% __________________________________________________________________________________ (d) Total Expense 72.2% 70.6% 74.1% 75.2% 107.7% __________________________________________________________________________________ 3. SETTLEMENTS, SURCHARGES & OTHER LOSSES (a) Gross Settlements, Surcharges & Other Loss 1.2% 1.1% 0.8% 0.4% 0.7% (b) Recoveries to Reported Losses 0.2% 0.3% 0.5% 0.2% 0.0% __________________________________________________________________________________ (c) Net Settlements, Surcharges & Losses 1.0% 0.8% 0.3% 0.2% 0.7% __________________________________________________________________________________ TABLE E-7 FIDUCIARY INCOME Reporting Year 2000 BANKS AND THRIFTS FILING SCHEDULE E PERCENTAGES OF TOTAL INCOME BY INCOME SIZE GROUP (continued) __________________________________________________________________________________ º Gross Income Size Groups ($ in Thousands) º º________________________________________________________________________________º º º º º ºUnder º º$50+ Million º$10-50 Million º$5-10 Million º$1-5 Million º$1 Million º º_______________º_______________º_______________º_______________º________________º ____________________________________________________________________________________________________________________________________ __________________________________________________________________________________ 4. NET OPERATING INCOME (LOSS) 26.8% 28.6% 25.6% 24.6% ( 8.4%) (Item 1(g) minus items 2(d) and 3(c)) __________________________________________________________________________________ 5. CREDIT FOR OWN-INSTITUTION DEPOSITS 9.5% 6.1% 19.0% 5.0% 4.9% __________________________________________________________________________________ __________________________________________________________________________________ 6. NET TRUST INCOME (LOSS) (Item 4 plus item 5) 36.3% 34.8% 44.6% 29.6% ( 3.5%) __________________________________________________________________________________ TABLE E-7 FIDUCIARY INCOME Reporting Year 2000 BANKS AND THRIFTS FILING SCHEDULE E PERCENTAGES OF TOTAL INCOME BY INCOME SIZE GROUP (continued) __________________________________________________________________________________ º Gross Income Size Groups ($ in Thousands) º º________________________________________________________________________________º º º º º ºUnder º º$50+ Million º$10-50 Million º$5-10 Million º$1-5 Million º$1 Million º º_______________º_______________º_______________º_______________º________________º ____________________________________________________________________________________________________________________________________ 7. SETTLEMENTS, SURCHARGES & OTHER LOSSES-BY TYPE OF ACCOUNT AND INVESTMENT DISCRETION (Completed if the amount in item 3(a) above is $100,000 or more) Discretionary Accounts __________________________________________________________________________________ (a) Employee Benefit Trust Accounts 0.1% 0.0% 0.0% 0.0% 0.0% (b) Personal Trust & Estate Accounts 0.2% 0.6% 0.2% 0.0% 0.5% (c) Employee Benefit Agencies 0.1% 0.0% 0.0% 0.0% 0.0% (d) Other Agency Accounts 0.1% 0.1% 0.2% 0.0% 0.0% __________________________________________________________________________________ Subtotal - Discretionary Accounts 0.4% 0.7% 0.5% 0.0% 0.5% __________________________________________________________________________________ Non-Discretionary Accounts __________________________________________________________________________________ (e) Employee Benefit Trusts 0.1% 0.1% 0.1% 0.0% 0.0% (f) Personal Trust & Estate Accounts 0.0% 0.0% 0.0% 0.0% 0.0% (g) Employee Benefit Agencies 0.0% 0.0% 0.0% 0.0% 0.0% (h) Other Agency Accounts 0.1% 0.0% 0.0% 0.0% 0.0% __________________________________________________________________________________ Subtotal - Non - Discretionary Accounts 0.3% 0.2% 0.1% 0.0% 0.0% __________________________________________________________________________________ Other Accounts __________________________________________________________________________________ (i) Corporate Trust & Agency Accounts 0.2% 0.0% 0.0% 0.0% 0.0% (j) All Other Activities 0.3% 0.1% 0.0% 0.0% 0.0% __________________________________________________________________________________ Subtotal - Other Accounts 0.5% 0.2% 0.0% 0.0% 0.0% __________________________________________________________________________________ TABLE E-7 FIDUCIARY INCOME Reporting Year 2000 BANKS AND THRIFTS FILING SCHEDULE E PERCENTAGES OF TOTAL INCOME BY INCOME SIZE GROUP (continued) __________________________________________________________________________________ º Gross Income Size Groups ($ in Thousands) º º________________________________________________________________________________º º º º º ºUnder º º$50+ Million º$10-50 Million º$5-10 Million º$1-5 Million º$1 Million º º_______________º_______________º_______________º_______________º________________º ____________________________________________________________________________________________________________________________________ __________________________________________________________________________________ Total Settlements, Surcharges & Other Losses 1.2% 1.0% 0.5% 0.1% 0.5%