TABLE E-7 FIDUCIARY INCOME Reporting Year 1998 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: 57 80 63 276 357 __________________________________________________________________________________ Total Assets (in thousands) of Institutions: 17,395,858,072 765,329,761 166,097,160 324,483,748 99,750,113 ____________________________________________________________________________________________________________________________________ 1. GROSS FEES, COMMISSIONS AND OTHER FIDUCIARY INCOME (a) Employee Benefit Trust Accounts 13.0% 15.2% 15.9% 17.4% 14.9% (b) Personal Trust & Estate Accounts 30.2% 47.6% 39.5% 46.3% 47.0% (c) Employee Benefit Agencies 5.0% 4.3% 6.8% 5.7% 4.6% (d) Other Agency Accounts 26.3% 19.1% 26.7% 21.9% 24.6% (e) Corporate Trust & Agency Accounts 9.8% 6.0% 4.5% 3.6% 3.6% (f) All Other Fiduciary Income 15.7% 7.7% 6.5% 5.1% 5.3% __________________________________________________________________________________ (g) Total Fiduciary Income 100.0% 100.0% 100.0% 100.0% 100.0% __________________________________________________________________________________ 2. EXPENSES (a) Salaries and Employee Benefits 31.1% 32.6% 33.6% 40.1% 53.5% (b) Other Direct Expense 19.2% 21.4% 20.9% 20.6% 24.5% (c) Allocated Indirect Expense 23.9% 13.4% 16.9% 10.9% 9.5% __________________________________________________________________________________ (d) Total Expense 74.2% 67.3% 71.3% 71.6% 87.5% __________________________________________________________________________________ 3. SETTLEMENTS, SURCHARGES & OTHER LOSSES (a) Gross Settlements, Surcharges & Other Loss 1.7% 0.7% 0.8% 1.2% 0.4% (b) Recoveries to Reported Losses 0.2% 0.1% 0.3% 0.1% 0.0% __________________________________________________________________________________ (c) Net Settlements, Surcharges & Losses 1.5% 0.6% 0.5% 1.0% 0.4% __________________________________________________________________________________ TABLE E-7 FIDUCIARY INCOME Reporting Year 1998 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$1 Million º º_______________º_______________º_______________º_______________º________________º ____________________________________________________________________________________________________________________________________ __________________________________________________________________________________ 4. NET OPERATING INCOME (LOSS) 24.2% 32.1% 28.2% 27.4% 12.1% (Item 1(g) minus items 2(d) and 3(c)) __________________________________________________________________________________ 5. CREDIT FOR OWN-INSTITUTION DEPOSITS 8.0% 8.1% 5.0% 3.9% 6.7% __________________________________________________________________________________ __________________________________________________________________________________ 6. NET TRUST INCOME (LOSS) (Item 4 plus item 5) 32.3% 40.3% 33.1% 31.2% 18.8% __________________________________________________________________________________ TABLE E-7 FIDUCIARY INCOME Reporting Year 1998 BANKS AND THRIFTS FILING SCHEDULE E PERCENTAGES OF TOTAL INCOME BY INCOME SIZE GROUP (continued) __________________________________________________________________________________ º Gross Income Size Groups ($ 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 $100,000 or more) Discretionary Accounts __________________________________________________________________________________ (a) Employee Benefit Trust Accounts 0.1% 0.1% 0.0% 0.0% 0.0% (b) Personal Trust & Estate Accounts 0.1% 0.1% 0.0% 0.7% 0.0% (c) Employee Benefit Agencies 0.3% 0.0% 0.0% 0.0% 0.1% (d) Other Agency Accounts 0.1% 0.0% 0.0% 0.0% 0.0% __________________________________________________________________________________ Subtotal - Discretionary Accounts 0.6% 0.3% 0.1% 0.7% 0.1% __________________________________________________________________________________ Non-Discretionary Accounts __________________________________________________________________________________ (e) Employee Benefit Trusts 0.2% 0.1% 0.0% 0.0% 0.1% (f) Personal Trust & Estate Accounts 0.0% 0.0% 0.0% 0.0% 0.0% (g) Employee Benefit Agencies 0.1% 0.0% 0.0% 0.0% 0.0% (h) Other Agency Accounts 0.2% 0.0% 0.3% 0.0% 0.0% __________________________________________________________________________________ Subtotal - Non - Discretionary Accounts 0.5% 0.1% 0.4% 0.0% 0.1% __________________________________________________________________________________ Other Accounts __________________________________________________________________________________ (i) Corporate Trust & Agency Accounts 0.4% 0.1% 0.0% 0.0% 0.0% (j) All Other Activities 0.2% 0.1% 0.0% 0.1% 0.0% __________________________________________________________________________________ Subtotal - Other Accounts 0.6% 0.2% 0.0% 0.1% 0.0% __________________________________________________________________________________ TABLE E-7 FIDUCIARY INCOME Reporting Year 1998 BANKS AND THRIFTS FILING SCHEDULE E PERCENTAGES OF TOTAL INCOME BY INCOME SIZE GROUP (continued) __________________________________________________________________________________ º Gross Income Size Groups ($ 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 1.7% 0.6% 0.5% 0.8% 0.2%