TABLE E-6 FIDUCIARY INCOME Reporting Year 1999 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: 82 142 98 367 205 __________________________________________________________________________________ Total Assets (in thousands) of Institutions: 20,318,008,069 440,745,265 66,994,369 88,485,873 4,749,608 ____________________________________________________________________________________________________________________________________ 1. GROSS FEES, COMMISSIONS AND OTHER FIDUCIARY INCOME (a) Employee Benefit Trust Accounts 12.7% 13.3% 17.6% 26.8% 4.1% (b) Personal Trust & Estate Accounts 28.1% 46.7% 49.0% 35.3% 77.7% (c) Employee Benefit Agencies 5.0% 3.7% 3.1% 0.9% 1.7% (d) Other Agency Accounts 28.3% 20.5% 22.1% 14.5% 2.8% (e) Corporate Trust & Agency Accounts 9.7% 10.4% 3.4% 12.0% 12.5% (f) All Other Fiduciary Income 16.1% 5.5% 4.7% 10.5% 1.2% __________________________________________________________________________________ (g) Total Fiduciary Income 100.0% 100.0% 100.0% 100.0% 100.0% __________________________________________________________________________________ 2. EXPENSES (a) Salaries and Employee Benefits 31.6% 33.9% 38.8% 43.0% 37.4% (b) Other Direct Expense 19.4% 19.3% 22.2% 19.5% 10.4% (c) Allocated Indirect Expense 22.6% 10.7% 9.5% 3.7% 1.8% __________________________________________________________________________________ (d) Total Expense 73.6% 63.9% 70.5% 66.2% 49.5% __________________________________________________________________________________ 3. SETTLEMENTS, SURCHARGES & OTHER LOSSES (a) Gross Settlements, Surcharges & Other Loss 1.2% 0.6% 0.4% 0.2% 1.0% (b) Recoveries to Reported Losses 0.1% 0.1% 0.1% 0.0% 0.0% __________________________________________________________________________________ (c) Net Settlements, Surcharges & Losses 1.0% 0.4% 0.2% 0.2% 1.0% __________________________________________________________________________________ TABLE E-6 FIDUCIARY INCOME Reporting Year 1999 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$1 Billion ºMillion ºMillion º º_______________º_______________º_______________º_______________º________________º ____________________________________________________________________________________________________________________________________ __________________________________________________________________________________ 4. NET OPERATING INCOME (LOSS) 25.4% 35.6% 29.3% 33.6% 49.5% (Item 1(g) minus items 2(d) and 3(c)) __________________________________________________________________________________ 5. CREDIT FOR OWN-INSTITUTION DEPOSITS 8.8% 4.0% 3.6% 7.2% 1.0% __________________________________________________________________________________ __________________________________________________________________________________ 6. NET TRUST INCOME (LOSS) (Item 4 plus item 5) 34.2% 39.7% 32.9% 40.8% 50.5% __________________________________________________________________________________ TABLE E-6 FIDUCIARY INCOME Reporting Year 1999 BANKS AND THRIFTS FILING SCHEDULE E PERCENTAGES OF TOTAL INCOME BY ASSET SIZE GROUP (continued) __________________________________________________________________________________ º Asset Size Groups ($ 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 $100,000 or more) Discretionary Accounts __________________________________________________________________________________ (a) Employee Benefit Trust Accounts 0.1% 0.1% 0.0% 0.0% 0.0% (b) Personal Trust & Estate Accounts 0.2% 0.1% 0.0% 0.0% 0.0% (c) Employee Benefit Agencies 0.0% 0.0% 0.0% 0.0% 0.0% (d) Other Agency Accounts 0.2% 0.0% 0.0% 0.0% 0.0% __________________________________________________________________________________ Subtotal - Discretionary Accounts 0.4% 0.2% 0.0% 0.1% 0.0% __________________________________________________________________________________ Non-Discretionary Accounts __________________________________________________________________________________ (e) Employee Benefit Trusts 0.1% 0.0% 0.0% 0.0% 0.0% (f) Personal Trust & Estate Accounts 0.0% 0.0% 0.0% 0.0% 0.0% (g) Employee Benefit Agencies 0.0% 0.0% 0.0% 0.0% 0.0% (h) Other Agency Accounts 0.1% 0.0% 0.0% 0.1% 0.0% __________________________________________________________________________________ Subtotal - Non - Discretionary Accounts 0.2% 0.1% 0.0% 0.1% 0.0% __________________________________________________________________________________ Other Accounts __________________________________________________________________________________ (i) Corporate Trust & Agency Accounts 0.3% 0.1% 0.0% 0.0% 1.0% (j) All Other Activities 0.2% 0.1% 0.0% 0.0% 0.0% __________________________________________________________________________________ Subtotal - Other Accounts 0.5% 0.2% 0.0% 0.0% 1.0% __________________________________________________________________________________ TABLE E-6 FIDUCIARY INCOME Reporting Year 1999 BANKS AND THRIFTS FILING SCHEDULE E PERCENTAGES OF TOTAL INCOME BY ASSET SIZE GROUP (continued) __________________________________________________________________________________ º Asset Size Groups ($ 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 1.2% 0.4% 0.0% 0.1% 1.0%