TABLE E-5 FIDUCIARY INCOME Reporting Year 1997 BANKS AND THRIFTS FILING SCHEDULE E BY INCOME SIZE GROUP __________________________________________________________________________________ ¦ Gross Income Size Groups ($ in Thousands) ¦ ¦________________________________________________________________________________¦ ¦ ¦ ¦ ¦ ¦Under ¦ ¦$50+ Million ¦$10-50 Million ¦$5-10 Million ¦$1-5 Million ¦$1 Million ¦ ¦_______________¦_______________¦_______________¦_______________¦________________¦ Number of Institutions: 64 87 68 287 437 __________________________________________________________________________________ Total Assets (in thousands) of Institutions: 14,625,266,641 1,006,890,157 226,089,842 278,515,048 99,079,692 ____________________________________________________________________________________________________________________________________ 1. GROSS FEES, COMMISSIONS AND OTHER FIDUCIARY INCOME (a) Employee Benefit Trust Accounts 2,009,391 303,444 84,168 105,347 25,232 (b) Personal Trust & Estate Accounts 6,519,954 944,026 194,731 327,389 75,866 (c) Employee Benefit Agencies 641,791 81,862 25,903 30,566 6,722 (d) Other Agency Accounts 4,524,503 304,987 109,770 126,321 37,239 (e) Corporate Trust & Agency Accounts 1,919,049 129,717 27,577 26,361 4,787 (f) All Other Fiduciary Income 2,895,259 209,940 41,872 32,358 9,901 __________________________________________________________________________________ (g) Total Fiduciary Income 18,509,947 1,973,976 484,371 648,342 160,013 __________________________________________________________________________________ 2. EXPENSES (a) Salaries and Employee Benefits 7,585,622 708,611 174,478 253,545 84,119 (b) Other Direct Expense 5,281,532 387,346 117,461 120,126 39,722 (c) Allocated Indirect Expense 2,862,206 314,903 77,870 68,974 16,033 __________________________________________________________________________________ (d) Total Expense 15,729,360 1,410,860 369,809 442,645 139,874 __________________________________________________________________________________ 3. SETTLEMENTS, SURCHARGES & OTHER LOSSES (a) Gross Settlements, Surcharges & Other Loss 117,978 14,769 4,527 3,765 731 (b) Recoveries to Reported Losses 11,048 854 244 630 57 __________________________________________________________________________________ (c) Net Settlements, Surcharges & Losses 106,930 13,915 4,283 3,135 674 __________________________________________________________________________________ TABLE E-5 FIDUCIARY INCOME Reporting Year 1997 BANKS AND THRIFTS FILING SCHEDULE E BY INCOME SIZE GROUP (continued) __________________________________________________________________________________ ¦ Gross Income Size Groups ($ in Thousands) ¦ ¦________________________________________________________________________________¦ ¦ ¦ ¦ ¦ ¦Under ¦ ¦$50+ Million ¦$10-50 Million ¦$5-10 Million ¦$1-5 Million ¦$1 Million ¦ ¦_______________¦_______________¦_______________¦_______________¦________________¦ ____________________________________________________________________________________________________________________________________ __________________________________________________________________________________ 4. NET OPERATING INCOME (LOSS) (item 4 plus item 2,673,657 549,201 110,279 202,562 19,465 (Item 1(g) minus items 2(d) and 3(c)) __________________________________________________________________________________ 5. CREDIT FOR OWN-INSTITUTION DEPOSITS 2,321,992 191,190 40,374 17,672 17,402 __________________________________________________________________________________ __________________________________________________________________________________ 6. NET TRUST INCOME (LOSS) 4,995,649 740,391 150,653 220,234 36,867 __________________________________________________________________________________ TABLE E-5 FIDUCIARY INCOME Reporting Year 1997 BANKS AND THRIFTS FILING SCHEDULE E BY INCOME SIZE GROUP (continued) __________________________________________________________________________________ ¦ Gross Income Size Groups ($ in Thousands) ¦ ¦________________________________________________________________________________¦ ¦ ¦ ¦ ¦ ¦Under ¦ ¦$50+ Million ¦$10-50 Million ¦$5-10 Million ¦$1-5 Million ¦$1 Million ¦ ¦_______________¦_______________¦_______________¦_______________¦________________¦ ____________________________________________________________________________________________________________________________________ 7. SETTLEMENTS, SURCHARGES & OTHER LOSSES-BY TYPE OF ACCOUNT AND INVESTMENT DISCRETION (Completed if the amount in item 3(a) above is $100,000 or more) Discretionary Accounts __________________________________________________________________________________ (a) Employee Benefit Trust Accounts 6,241 1,320 1,868 44 0 (b) Personal Trust & Estate Accounts 16,982 3,037 203 731 0 (c) Employee Benefit Agencies 506 150 54 0 0 (d) Other Agency Accounts 5,621 586 8 107 0 __________________________________________________________________________________ Subtotal - Discretionary Accounts 29,350 5,093 2,133 882 0 __________________________________________________________________________________ Non-Discretionary Accounts __________________________________________________________________________________ (e) Employee Benefit Trusts 14,334 1,949 456 177 105 (f) Personal Trust & Estate Accounts 1,554 140 202 87 0 (g) Employee Benefit Agencies 2,368 30 0 33 0 (h) Other Agency Accounts 22,633 905 68 1 0 __________________________________________________________________________________ Subtotal - Non - Discretionary Accounts 40,889 3,024 726 298 105 __________________________________________________________________________________ Other Accounts __________________________________________________________________________________ (i) Corporate Trust & Agency Accounts 12,172 2,239 126 48 0 (j) All Other Activities 35,337 2,693 500 570 0 __________________________________________________________________________________ Subtotal - Other Accounts 47,509 4,932 626 618 0 __________________________________________________________________________________ TABLE E-5 FIDUCIARY INCOME Reporting Year 1997 BANKS AND THRIFTS FILING SCHEDULE E BY INCOME SIZE GROUP (continued) __________________________________________________________________________________ ¦ Gross Income Size Groups ($ in Thousands) ¦ ¦________________________________________________________________________________¦ ¦ ¦ ¦ ¦ ¦Under ¦ ¦$50+ Million ¦$10-50 Million ¦$5-10 Million ¦$1-5 Million ¦$1 Million ¦ ¦_______________¦_______________¦_______________¦_______________¦________________¦ ____________________________________________________________________________________________________________________________________ __________________________________________________________________________________ Total Settlements, Surcharges & Other Losses 117,748 13,049 3,485 1,798 105