Key Bank Usa, National Association
Cleveland, OH — National Bank
Acquired Oct 2004
Net Income Analysis
( % relative to Total Revenue )
| Income Statement | Key Bank Usa, National Association | All Insured Commercial Banks in Ohio |
| Interest and Fees on Loans | 525,229 | 20,215 |
| Income from Lease Financing Receivables | — | 47,755 |
| — | 789 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | — | 435 |
| Income on Loans and Leases (TE) | 525,229 | 21,160 |
| Investment Interest Income (TE) | 3,711 | 2,279 |
| Total Interest Income (TE) | 534,918 | 11,263 |
| Total Interest Expense | 159,673 | 4,107 |
| Net Interest Income (TE) | 375,245 | 7,810 |
| Non-Interest Income | 157,452 | 3,547 |
| Adjusted Operating Income (TE) | 532,697 | 11,503 |
| Non-interest Expense | 254,843 | 7,406 |
| Provision for Loan & Lease Losses | 65,408 | 8,928 |
| Pretax Operating Income (TE) | 212,446 | 30,240 |
| Pretax Net Operating Income (TE) | 212,446 | 30,460 |
| Applicable Income Taxes | 78,286 | 20,209 |
| Net Operating Income | 134,160 | 14,292 |
| Net Income | 134,160 | 14,292 |
| Cash Dividends Declared | 111,000 | 30,498 |
| Retained Earnings | 23,160 | 19,117 |