TABLE E-7 FIDUCIARY INCOME Reporting Year 1997 BANKS AND THRIFTS FILING SCHEDULE E PERCENTAGES OF TOTAL INCOME 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 11% 15% 17% 16% 16% (b) Personal Trust & Estate Accounts 35% 48% 40% 50% 47% (c) Employee Benefit Agencies 3% 4% 5% 5% 4% (d) Other Agency Accounts 24% 15% 23% 19% 23% (e) Corporate Trust & Agency Accounts 10% 7% 6% 4% 3% (f) All Other Fiduciary Income 16% 11% 9% 5% 6% __________________________________________________________________________________ (g) Total Fiduciary Income 100% 100% 100% 100% 100% __________________________________________________________________________________ 2. EXPENSES (a) Salaries and Employee Benefits 41% 36% 36% 39% 53% (b) Other Direct Expense 29% 20% 24% 19% 25% (c) Allocated Indirect Expense 15% 16% 16% 11% 10% __________________________________________________________________________________ (d) Total Expense 85% 71% 76% 68% 87% __________________________________________________________________________________ 3. SETTLEMENTS, SURCHARGES & OTHER LOSSES (a) Gross Settlements, Surcharges & Other Loss 1% 1% 1% 1% 0% (b) Recoveries to Reported Losses 0% 0% 0% 0% 0% __________________________________________________________________________________ (c) Net Settlements, Surcharges & Losses 1% 1% 1% 0% 0% __________________________________________________________________________________ TABLE E-7 FIDUCIARY INCOME Reporting Year 1997 BANKS AND THRIFTS FILING SCHEDULE E PERCENTAGES OF TOTAL INCOME BY INCOME SIZE GROUP (continued) __________________________________________________________________________________ ¦ Gross Income Size Groups ($ in Thousands) ¦ ¦________________________________________________________________________________¦ ¦ ¦ ¦ ¦ ¦Under ¦ ¦$50+ Million ¦$10-50 Million ¦$5-10 Million ¦$1-5 Million ¦$1 Million ¦ ¦_______________¦_______________¦_______________¦_______________¦________________¦ ____________________________________________________________________________________________________________________________________ __________________________________________________________________________________ 4. NET OPERATING INCOME (LOSS) 14% 28% 23% 31% 12% (Item 1(g) minus items 2(d) and 3(c)) __________________________________________________________________________________ 5. CREDIT FOR OWN-INSTITUTION DEPOSITS 13% 10% 8% 3% 11% __________________________________________________________________________________ __________________________________________________________________________________ 6. NET TRUST INCOME (LOSS) (Item 4 plus item 5) 27% 38% 31% 34% 23% __________________________________________________________________________________ TABLE E-7 FIDUCIARY INCOME Reporting Year 1997 BANKS AND THRIFTS FILING SCHEDULE E PERCENTAGES OF TOTAL INCOME BY INCOME SIZE GROUP (continued) __________________________________________________________________________________ ¦ Gross Income Size Groups ($ 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 $100,000 or more) Discretionary Accounts __________________________________________________________________________________ (a) Employee Benefit Trust Accounts 0% 0% 0% 0% 0% (b) Personal Trust & Estate Accounts 0% 0% 0% 0% 0% (c) Employee Benefit Agencies 0% 0% 0% 0% 0% (d) Other Agency Accounts 0% 0% 0% 0% 0% __________________________________________________________________________________ Subtotal - Discretionary Accounts 0% 0% 0% 0% 0% __________________________________________________________________________________ Non-Discretionary Accounts __________________________________________________________________________________ (e) Employee Benefit Trusts 0% 0% 0% 0% 0% (f) Personal Trust & Estate Accounts 0% 0% 0% 0% 0% (g) Employee Benefit Agencies 0% 0% 0% 0% 0% (h) Other Agency Accounts 0% 0% 0% 0% 0% __________________________________________________________________________________ Subtotal - Non - Discretionary Accounts 0% 0% 0% 0% 0% __________________________________________________________________________________ Other Accounts __________________________________________________________________________________ (i) Corporate Trust & Agency Accounts 0% 0% 0% 0% 0% (j) All Other Activities 0% 0% 0% 0% 0% __________________________________________________________________________________ Subtotal - Other Accounts 0% 0% 0% 0% 0% __________________________________________________________________________________ TABLE E-7 FIDUCIARY INCOME Reporting Year 1997 BANKS AND THRIFTS FILING SCHEDULE E PERCENTAGES OF TOTAL INCOME BY INCOME SIZE GROUP (continued) __________________________________________________________________________________ ¦ Gross Income Size Groups ($ in Thousands) ¦ ¦________________________________________________________________________________¦ ¦ ¦ ¦ ¦ ¦Under ¦ ¦$50+ Million ¦$10-50 Million ¦$5-10 Million ¦$1-5 Million ¦$1 Million ¦ ¦_______________¦_______________¦_______________¦_______________¦________________¦ ____________________________________________________________________________________________________________________________________ __________________________________________________________________________________ Total Settlements, Surcharges & Other Losses 1% 1% 1% 0% 0%