TABLE E-6 FIDUCIARY INCOME Reporting Year 1998 BANKS AND THRIFTS FILING SCHEDULE E PERCENTAGES OF TOTAL INCOME BY ASSET SIZE GROUP __________________________________________________________________________________ º Asset Size Groups ($ in Thousands) º º________________________________________________________________________________º º º º$500 Million - º$100 - 500 ºUnder $100 º º$10+ Billion º$1 - 10 Billionº$1 Billion ºMillion ºMillion º º_______________º_______________º_______________º_______________º________________º Number of Institutions: 89 133 100 360 151 __________________________________________________________________________________ Total Assets (in thousands) of Institutions: 18,153,321,109 438,604,789 69,652,635 85,850,206 4,090,115 ____________________________________________________________________________________________________________________________________ 1. GROSS FEES, COMMISSIONS AND OTHER FIDUCIARY INCOME (a) Employee Benefit Trust Accounts 13.6% 14.2% 16.7% 7.7% 7.4% (b) Personal Trust & Estate Accounts 29.4% 43.0% 49.2% 75.2% 43.6% (c) Employee Benefit Agencies 5.3% 4.5% 3.9% 1.8% 14.2% (d) Other Agency Accounts 26.6% 21.2% 21.9% 11.6% 15.9% (e) Corporate Trust & Agency Accounts 9.4% 10.1% 2.7% 1.4% 10.8% (f) All Other Fiduciary Income 15.7% 7.1% 5.5% 2.3% 8.1% __________________________________________________________________________________ (g) Total Fiduciary Income 100.0% 100.0% 100.0% 100.0% 100.0% __________________________________________________________________________________ 2. EXPENSES (a) Salaries and Employee Benefits 31.8% 31.6% 38.1% 30.4% 53.8% (b) Other Direct Expense 19.7% 22.4% 20.0% 11.7% 24.3% (c) Allocated Indirect Expense 22.6% 12.4% 10.7% 33.9% 7.9% __________________________________________________________________________________ (d) Total Expense 74.1% 66.4% 68.8% 76.0% 86.1% __________________________________________________________________________________ 3. SETTLEMENTS, SURCHARGES & OTHER LOSSES (a) Gross Settlements, Surcharges & Other Loss 1.7% 0.7% 1.8% 0.3% 0.1% (b) Recoveries to Reported Losses 0.2% 0.1% 0.2% 0.0% 0.0% __________________________________________________________________________________ (c) Net Settlements, Surcharges & Losses 1.5% 0.5% 1.6% 0.3% 0.1% __________________________________________________________________________________ TABLE E-6 FIDUCIARY INCOME Reporting Year 1998 BANKS AND THRIFTS FILING SCHEDULE E PERCENTAGES OF TOTAL INCOME BY ASSET SIZE GROUP (continued) __________________________________________________________________________________ º Asset Size Groups ($ in Thousands) º º________________________________________________________________________________º º º º$500 Million - º$100 - 500 ºUnder $100 º º$10+ Billion º$1 - 10 Billionº$1 Billion ºMillion ºMillion º º_______________º_______________º_______________º_______________º________________º ____________________________________________________________________________________________________________________________________ __________________________________________________________________________________ 4. NET OPERATING INCOME (LOSS) 24.4% 33.1% 29.6% 23.7% 13.8% (Item 1(g) minus items 2(d) and 3(c)) __________________________________________________________________________________ 5. CREDIT FOR OWN-INSTITUTION DEPOSITS 8.5% 5.0% 2.7% 2.1% 7.0% __________________________________________________________________________________ __________________________________________________________________________________ 6. NET TRUST INCOME (LOSS) (Item 4 plus item 5) 32.9% 38.1% 32.2% 25.9% 20.7% __________________________________________________________________________________ TABLE E-6 FIDUCIARY INCOME Reporting Year 1998 BANKS AND THRIFTS FILING SCHEDULE E PERCENTAGES OF TOTAL INCOME BY ASSET SIZE GROUP (continued) __________________________________________________________________________________ º Asset Size Groups ($ in Thousands) º º________________________________________________________________________________º º º º$500 Million - º$100 - 500 ºUnder $100 º º$10+ Billion º$1 - 10 Billionº$1 Billion ºMillion ºMillion 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 $100,000 or more) Discretionary Accounts __________________________________________________________________________________ (a) Employee Benefit Trust Accounts 0.1% 0.1% 0.1% 0.0% 0.0% (b) Personal Trust & Estate Accounts 0.1% 0.1% 1.3% 0.0% 0.0% (c) Employee Benefit Agencies 0.2% 0.0% 0.0% 0.0% 0.0% (d) Other Agency Accounts 0.1% 0.0% 0.0% 0.0% 0.0% __________________________________________________________________________________ Subtotal - Discretionary Accounts 0.6% 0.2% 1.5% 0.1% 0.0% __________________________________________________________________________________ Non-Discretionary Accounts __________________________________________________________________________________ (e) Employee Benefit Trusts 0.2% 0.0% 0.0% 0.0% 0.0% (f) Personal Trust & Estate Accounts 0.0% 0.0% 0.0% 0.0% 0.0% (g) Employee Benefit Agencies 0.1% 0.0% 0.0% 0.0% 0.0% (h) Other Agency Accounts 0.2% 0.1% 0.0% 0.0% 0.0% __________________________________________________________________________________ Subtotal - Non - Discretionary Accounts 0.5% 0.2% 0.0% 0.0% 0.0% __________________________________________________________________________________ Other Accounts __________________________________________________________________________________ (i) Corporate Trust & Agency Accounts 0.4% 0.1% 0.0% 0.0% 0.0% (j) All Other Activities 0.2% 0.1% 0.0% 0.0% 0.0% __________________________________________________________________________________ Subtotal - Other Accounts 0.6% 0.1% 0.0% 0.0% 0.0% __________________________________________________________________________________ TABLE E-6 FIDUCIARY INCOME Reporting Year 1998 BANKS AND THRIFTS FILING SCHEDULE E PERCENTAGES OF TOTAL INCOME BY ASSET SIZE GROUP (continued) __________________________________________________________________________________ º Asset Size Groups ($ in Thousands) º º________________________________________________________________________________º º º º$500 Million - º$100 - 500 ºUnder $100 º º$10+ Billion º$1 - 10 Billionº$1 Billion ºMillion ºMillion º º_______________º_______________º_______________º_______________º________________º ____________________________________________________________________________________________________________________________________ __________________________________________________________________________________ Total Settlements, Surcharges & Other Losses 1.7% 0.5% 1.5% 0.1% 0.0%