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SunTrust Bank, Central Florida, Income and Expense

1999-12-31 (YTD Data)		Rank
Total interest income	$539,700,000	110
Total interest expense	$264,222,000	109
Net interest income	$275,478,000	110
Provision for loan and lease losses	$26,328,000	122
Total noninterest income	$153,478,000	124
Gross Fiduciary activities income	$33,102,000	71
Service charges on deposit accounts	$43,561,000	71
Trading account gains and fees	$0	173
Additional Noninterest Income	$76,815,000	148
Total noninterest expense	$230,273,000	131
Salaries and employee benefits	$74,977,000	142
Premises and equipment expense	$23,164,000	135
Additional noninterest expense	$132,132,000	110
Pre-tax net operating income	$172,355,000	105
Securities gains (losses)	$-2,114,000	10,173
Applicable income taxes	$61,754,000	108
Income before extraordinary items	$108,487,000	112
Extraordinary gains, net	$0	35
Net income	$108,487,000	112
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$70,061,000	56
Cash dividends	$24,000,000	230
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$109,839,960	108
1998-12-31 (YTD Data)		Rank
Total interest income	$537,025,000	115
Total interest expense	$280,738,000	102
Net interest income	$256,287,000	121
Provision for loan and lease losses	$10,005,000	217
Total noninterest income	$133,062,000	137
Gross Fiduciary activities income	$30,203,000	78
Service charges on deposit accounts	$38,467,000	74
Trading account gains and fees	$0	224
Additional Noninterest Income	$64,392,000	163
Total noninterest expense	$210,421,000	136
Salaries and employee benefits	$78,203,000	131
Premises and equipment expense	$22,715,000	138
Additional noninterest expense	$109,503,000	136
Pre-tax net operating income	$168,923,000	94
Securities gains (losses)	$16,000	2,616
Applicable income taxes	$61,266,000	101
Income before extraordinary items	$107,673,000	101
Extraordinary gains, net	$0	32
Net income	$107,673,000	102
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,934,000	124
Cash dividends	$24,000,000	225
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$107,662,760	95
1997-12-31 (YTD Data)		Rank
Total interest income	$465,382,000	125
Total interest expense	$233,198,000	124
Net interest income	$232,184,000	129
Provision for loan and lease losses	$7,000,000	265
Total noninterest income	$151,817,000	109
Gross Fiduciary activities income	$27,310,000	81
Service charges on deposit accounts	$39,089,000	77
Trading account gains and fees	$0	239
Additional Noninterest Income	$85,418,000	120
Total noninterest expense	$224,403,000	124
Salaries and employee benefits	$70,376,000	137
Premises and equipment expense	$24,303,000	133
Additional noninterest expense	$129,724,000	112
Pre-tax net operating income	$152,598,000	99
Securities gains (losses)	$-446,000	10,873
Applicable income taxes	$55,445,000	104
Income before extraordinary items	$96,707,000	101
Extraordinary gains, net	$0	44
Net income	$96,707,000	101
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,661,000	293
Cash dividends	$50,000,000	123
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$96,992,440	97
1996-12-31 (YTD Data)		Rank
Total interest income	$377,633,000	166
Total interest expense	$167,703,000	173
Net interest income	$209,930,000	149
Provision for loan and lease losses	$8,219,000	241
Total noninterest income	$129,210,000	123
Gross Fiduciary activities income	$23,941,000	85
Service charges on deposit accounts	$37,304,000	83
Trading account gains and fees	$0	262
Additional Noninterest Income	$67,965,000	144
Total noninterest expense	$195,745,000	148
Salaries and employee benefits	$62,100,000	163
Premises and equipment expense	$24,408,000	144
Additional noninterest expense	$109,237,000	138
Pre-tax net operating income	$135,176,000	111
Securities gains (losses)	$-253,000	11,327
Applicable income taxes	$48,357,000	112
Income before extraordinary items	$86,566,000	116
Extraordinary gains, net	$0	53
Net income	$86,566,000	115
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,559,000	356
Cash dividends	$50,000,000	138
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$86,727,920	113
1995-12-31 (YTD Data)		Rank
Total interest income	$379,866,000	164
Total interest expense	$161,738,000	188
Net interest income	$218,128,000	146
Provision for loan and lease losses	$19,200,000	117
Total noninterest income	$120,015,000	122
Gross Fiduciary activities income	$24,392,000	85
Service charges on deposit accounts	$32,356,000	97
Trading account gains and fees	$1,508,000	115
Additional Noninterest Income	$61,759,000	137
Total noninterest expense	$198,360,000	143
Salaries and employee benefits	$60,442,000	170
Premises and equipment expense	$24,294,000	142
Additional noninterest expense	$113,624,000	118
Pre-tax net operating income	$120,583,000	124
Securities gains (losses)	$-1,560,000	11,892
Applicable income taxes	$39,700,000	135
Income before extraordinary items	$79,323,000	121
Extraordinary gains, net	$0	65
Net income	$79,323,000	121
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,241,000	206
Cash dividends	$60,000,000	106
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$80,368,200	121
1994-12-31 (YTD Data)		Rank
Total interest income	$323,895,000	169
Total interest expense	$112,023,000	208
Net interest income	$211,872,000	144
Provision for loan and lease losses	$23,673,000	92
Total noninterest income	$111,713,000	126
Gross Fiduciary activities income	$23,110,000	91
Service charges on deposit accounts	$31,270,000	95
Trading account gains and fees	$4,451,000	53
Additional Noninterest Income	$52,882,000	136
Total noninterest expense	$191,204,000	150
Salaries and employee benefits	$61,505,000	162
Premises and equipment expense	$26,081,000	132
Additional noninterest expense	$103,618,000	132
Pre-tax net operating income	$108,708,000	130
Securities gains (losses)	$-517,000	12,258
Applicable income taxes	$35,645,000	136
Income before extraordinary items	$72,546,000	135
Extraordinary gains, net	$0	249
Net income	$72,546,000	135
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,158,000	145
Cash dividends	$46,000,000	125
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$72,892,390	131
1993-12-31 (YTD Data)		Rank
Total interest income	$316,458,000	151
Total interest expense	$95,896,000	206
Net interest income	$220,562,000	127
Provision for loan and lease losses	$36,084,000	102
Total noninterest income	$124,130,000	106
Gross Fiduciary activities income	$22,745,000	90
Service charges on deposit accounts	$33,405,000	82
Trading account gains and fees	$5,022,000	62
Additional Noninterest Income	$62,958,000	115
Total noninterest expense	$207,624,000	127
Salaries and employee benefits	$69,472,000	135
Premises and equipment expense	$28,957,000	119
Additional noninterest expense	$109,195,000	118
Pre-tax net operating income	$100,984,000	119
Securities gains (losses)	$182,000	1,798
Applicable income taxes	$32,323,000	121
Income before extraordinary items	$68,843,000	126
Extraordinary gains, net	$0	3,149
Net income	$68,843,000	126
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$25,896,000	135
Cash dividends	$44,350,000	98
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$68,719,240	123
1992-12-31 (YTD Data)		Rank
Total interest income	$336,769,000	146
Total interest expense	$124,185,000	201
Net interest income	$212,584,000	122
Provision for loan and lease losses	$36,430,000	142
Total noninterest income	$111,471,000	107
Gross Fiduciary activities income	$19,485,000	97
Service charges on deposit accounts	$30,218,000	78
Trading account gains and fees	$2,781,000	92
Additional Noninterest Income	$58,987,000	110
Total noninterest expense	$201,474,000	122
Salaries and employee benefits	$65,953,000	135
Premises and equipment expense	$29,539,000	115
Additional noninterest expense	$105,982,000	111
Pre-tax net operating income	$86,151,000	105
Securities gains (losses)	$32,000	4,877
Applicable income taxes	$26,115,000	115
Income before extraordinary items	$60,068,000	113
Extraordinary gains, net	$0	1,422
Net income	$60,068,000	113
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$26,192,000	163
Cash dividends	$28,300,000	96
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$60,045,600	100

* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.