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A.2. Report of income, all U.S. banks, 1996-2005
Millions of dollars
Item 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005
Gross interest income 313,696 338,865 359,675 366,137 423,839 404,406 350,040 329,757 350,028 428,064
Taxable equivalent 316,156 341,298 362,140 368,764 426,476 407,093 352,788 332,540 353,011 431,015
Loans 239,850 256,141 271,441 278,537 326,800 311,664 269,828 258,130 269,704 328,405
Securities 50,631 52,660 56,598 62,116 67,665 63,089 59,316 53,315 58,588 65,883
Gross federal funds sold and reverse repurchase agreements 9,272 13,658 14,999 12,330 13,546 12,649 6,223 5,122 5,245 11,012
Other 13,944 16,406 16,637 13,155 15,829 17,006 14,672 13,189 16,490 22,764
 
Gross interest expense 150,249 164,692 178,161 174,946 222,159 188,799 118,920 94,471 99,261 162,488
Deposits 107,512 117,350 125,217 119,665 151,145 132,352 81,899 62,753 64,001 105,731
Gross federal funds purchased and repurchase agreements 16,780 20,439 22,182 21,130 26,860 19,590 9,920 7,590 9,203 19,345
Other 25,956 26,903 30,760 34,149 44,155 36,854 27,101 24,128 26,057 37,411
 
Net interest income 163,447 174,173 181,514 191,191 201,680 215,607 231,120 235,286 250,767 265,576
Taxable equivalent 165,907 176,606 183,979 193,818 204,317 218,294 233,868 238,069 253,750 268,527
 
Loss provisions 16,395 19,402 21,427 21,186 29,386 43,238 45,278 32,767 23,895 25,581
 
Non-interest income 95,313 105,640 123,668 144,429 153,163 160,925 168,484 183,614 188,216 200,578
Service charges on deposits 17,050 18,558 19,769 21,497 23,719 26,873 29,631 31,693 33,459 33,880
Fiduciary activities 14,296 16,584 19,268 20,502 22,220 21,989 21,404 22,456 25,102 26,390
Trading revenue 7,525 8,018 7,693 10,429 12,235 12,382 10,735 11,446 9,954 14,355
Other 56,444 62,480 76,939 92,001 94,988 99,679 106,717 118,019 119,702 125,953
 
Non-interest expense 162,581 171,060 193,833 204,632 216,432 226,027 230,292 243,306 263,364 274,150
Salaries, wages, and employee benefits 67,826 72,346 79,538 86,151 89,036 94,209 100,455 108,471 115,281 124,072
Occupancy 20,892 22,080 24,164 25,865 26,765 27,945 29,316 31,318 33,258 35,053
Other 73,865 76,634 90,129 92,616 100,631 103,875 100,520 103,516 114,825 115,025
 
Net non-interest expense 67,268 65,420 70,165 60,203 63,269 65,102 61,808 59,692 75,148 73,572
 
Gains on investment account securities 1,123 1,825 3,090 250 -2,280 4,625 6,411 5,633 3,792 -220
 
Income before taxes 80,908 91,177 93,016 110,055 106,744 111,891 130,448 148,459 155,515 166,204
Taxes 28,447 32,001 31,965 39,211 37,250 37,284 42,956 48,456 50,340 53,652
Extraordinary items, net of income taxes 88 56 506 169 -31 -324 -78 427 59 240
 
Net income 52,550 59,230 61,556 71,012 69,463 74,284 87,413 100,431 105,234 112,791
 
Cash dividends declared 39,419 42,801 41,205 52,101 52,547 54,844 67,230 77,757 59,587 64,617
Retained income 13,131 16,430 20,351 18,912 16,916 19,438 20,183 22,674 45,647 48,175

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