TABLE E-7 FIDUCIARY INCOME Reporting Year 1999 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 89 63 284 401 __________________________________________________________________________________ Total Assets (in thousands) of Institutions: 19,678,562,813 782,836,078 145,229,786 202,094,931 110,259,576 ____________________________________________________________________________________________________________________________________ 1. GROSS FEES, COMMISSIONS AND OTHER FIDUCIARY INCOME (a) Employee Benefit Trust Accounts 14.3% 13.1% 16.9% 16.7% 14.6% (b) Personal Trust & Estate Accounts 28.6% 46.3% 46.8% 46.7% 47.8% (c) Employee Benefit Agencies 4.4% 4.3% 5.9% 4.0% 3.9% (d) Other Agency Accounts 26.3% 22.3% 20.9% 24.3% 24.3% (e) Corporate Trust & Agency Accounts 10.9% 6.0% 4.5% 3.9% 2.8% (f) All Other Fiduciary Income 15.6% 8.1% 5.0% 4.3% 6.6% __________________________________________________________________________________ (g) Total Fiduciary Income 100.0% 100.0% 100.0% 100.0% 100.0% __________________________________________________________________________________ 2. EXPENSES (a) Salaries and Employee Benefits 32.5% 34.7% 34.5% 41.5% 53.3% (b) Other Direct Expense 19.1% 20.1% 22.0% 21.4% 24.5% (c) Allocated Indirect Expense 20.4% 12.0% 13.0% 10.5% 10.6% __________________________________________________________________________________ (d) Total Expense 72.0% 66.7% 69.5% 73.3% 88.4% __________________________________________________________________________________ 3. SETTLEMENTS, SURCHARGES & OTHER LOSSES (a) Gross Settlements, Surcharges & Other Loss 1.0% 0.9% 0.4% 0.5% 0.8% (b) Recoveries to Reported Losses 0.1% 0.2% 0.1% 0.1% 0.4% __________________________________________________________________________________ (c) Net Settlements, Surcharges & Losses 0.9% 0.7% 0.3% 0.4% 0.5% __________________________________________________________________________________ TABLE E-7 FIDUCIARY INCOME Reporting Year 1999 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$1 Million º º_______________º_______________º_______________º_______________º________________º ____________________________________________________________________________________________________________________________________ __________________________________________________________________________________ 4. NET OPERATING INCOME (LOSS) 27.1% 32.6% 30.2% 26.2% 11.1% (Item 1(g) minus items 2(d) and 3(c)) __________________________________________________________________________________ 5. CREDIT FOR OWN-INSTITUTION DEPOSITS 8.2% 8.0% 4.5% 4.3% 4.8% __________________________________________________________________________________ __________________________________________________________________________________ 6. NET TRUST INCOME (LOSS) (Item 4 plus item 5) 35.3% 40.6% 34.7% 30.6% 15.9% __________________________________________________________________________________ TABLE E-7 FIDUCIARY INCOME Reporting Year 1999 BANKS AND THRIFTS FILING SCHEDULE E PERCENTAGES OF TOTAL INCOME BY INCOME SIZE GROUP (continued) __________________________________________________________________________________ º Gross Income Size Groups ($ 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 $100,000 or more) Discretionary Accounts __________________________________________________________________________________ (a) Employee Benefit Trust Accounts 0.1% 0.1% 0.0% 0.0% 0.0% (b) Personal Trust & Estate Accounts 0.2% 0.1% 0.1% 0.0% 0.5% (c) Employee Benefit Agencies 0.0% 0.0% 0.0% 0.0% 0.0% (d) Other Agency Accounts 0.2% 0.0% 0.0% 0.0% 0.0% __________________________________________________________________________________ Subtotal - Discretionary Accounts 0.4% 0.2% 0.1% 0.0% 0.6% __________________________________________________________________________________ Non-Discretionary Accounts __________________________________________________________________________________ (e) Employee Benefit Trusts 0.1% 0.1% 0.1% 0.0% 0.0% (f) Personal Trust & Estate Accounts 0.0% 0.0% 0.0% 0.0% 0.0% (g) Employee Benefit Agencies 0.0% 0.0% 0.0% 0.0% 0.0% (h) Other Agency Accounts 0.1% 0.3% 0.0% 0.0% 0.0% __________________________________________________________________________________ Subtotal - Non - Discretionary Accounts 0.2% 0.4% 0.1% 0.0% 0.0% __________________________________________________________________________________ Other Accounts __________________________________________________________________________________ (i) Corporate Trust & Agency Accounts 0.3% 0.1% 0.0% 0.0% 0.0% (j) All Other Activities 0.2% 0.1% 0.0% 0.0% 0.0% __________________________________________________________________________________ Subtotal - Other Accounts 0.5% 0.2% 0.0% 0.0% 0.0% __________________________________________________________________________________ TABLE E-7 FIDUCIARY INCOME Reporting Year 1999 BANKS AND THRIFTS FILING SCHEDULE E PERCENTAGES OF TOTAL INCOME BY INCOME SIZE GROUP (continued) __________________________________________________________________________________ º Gross Income Size Groups ($ 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 1.0% 0.8% 0.2% 0.1% 0.6%