TABLE E-6 FIDUCIARY INCOME Reporting Year 1997 BANKS AND THRIFTS FILING SCHEDULE E PERCENTAGES OF TOTAL INCOME BY ASSET SIZE GROUP __________________________________________________________________________________ ¦ Asset Size Groups ($ in Thousands) ¦ ¦________________________________________________________________________________¦ ¦ ¦ ¦$500 Million - ¦$100 - 500 ¦Under $100 ¦ ¦$10+ Billion ¦$1 - 10 Billion¦$1 Billion ¦Million ¦Million ¦ ¦_______________¦_______________¦_______________¦_______________¦________________¦ Number of Institutions: 87 142 99 381 234 __________________________________________________________________________________ Total Assets (in thousands) of Institutions: 15,589,159,138 481,605,456 69,246,328 90,443,042 5,387,416 ____________________________________________________________________________________________________________________________________ 1. GROSS FEES, COMMISSIONS AND OTHER FIDUCIARY INCOME (a) Employee Benefit Trust Accounts 13% 15% 5% 11% 12% (b) Personal Trust & Estate Accounts 28% 47% 38% 51% 65% (c) Employee Benefit Agencies 5% 4% 0% 2% 0% (d) Other Agency Accounts 27% 18% 26% 18% 13% (e) Corporate Trust & Agency Accounts 10% 5% 31% 1% 5% (f) All Other Fiduciary Income 18% 12% 1% 16% 4% __________________________________________________________________________________ (g) Total Fiduciary Income 100% 100% 100% 100% 100% __________________________________________________________________________________ 2. EXPENSES (a) Salaries and Employee Benefits 34% 33% 48% 52% 59% (b) Other Direct Expense 20% 23% 55% 34% 25% (c) Allocated Indirect Expense 23% 15% 2% 6% 1% __________________________________________________________________________________ (d) Total Expense 77% 71% 105% 92% 86% __________________________________________________________________________________ 3. SETTLEMENTS, SURCHARGES & OTHER LOSSES (a) Gross Settlements, Surcharges & Other Loss 1% 1% 0% 0% 0% (b) Recoveries to Reported Losses 0% 0% 0% 0% 0% __________________________________________________________________________________ (c) Net Settlements, Surcharges & Losses 1% 1% 0% 0% 0% __________________________________________________________________________________ TABLE E-6 FIDUCIARY INCOME Reporting Year 1997 BANKS AND THRIFTS FILING SCHEDULE E PERCENTAGES OF TOTAL INCOME BY ASSET SIZE GROUP (continued) __________________________________________________________________________________ ¦ Asset Size Groups ($ in Thousands) ¦ ¦________________________________________________________________________________¦ ¦ ¦ ¦$500 Million - ¦$100 - 500 ¦Under $100 ¦ ¦$10+ Billion ¦$1 - 10 Billion¦$1 Billion ¦Million ¦Million ¦ ¦_______________¦_______________¦_______________¦_______________¦________________¦ ____________________________________________________________________________________________________________________________________ __________________________________________________________________________________ 4. NET OPERATING INCOME (LOSS) 22% 28% ( 5%) 8% 14% (Item 1(g) minus items 2(d) and 3(c)) __________________________________________________________________________________ 5. CREDIT FOR OWN-INSTITUTION DEPOSITS 12% 7% 28% 7% 2% __________________________________________________________________________________ __________________________________________________________________________________ 6. NET TRUST INCOME (LOSS) (Item 4 plus item 5) 34% 35% 23% 16% 16% __________________________________________________________________________________ TABLE E-6 FIDUCIARY INCOME Reporting Year 1997 BANKS AND THRIFTS FILING SCHEDULE E PERCENTAGES OF TOTAL INCOME BY ASSET SIZE GROUP (continued) __________________________________________________________________________________ ¦ Asset Size Groups ($ in Thousands) ¦ ¦________________________________________________________________________________¦ ¦ ¦ ¦$500 Million - ¦$100 - 500 ¦Under $100 ¦ ¦$10+ Billion ¦$1 - 10 Billion¦$1 Billion ¦Million ¦Million ¦ ¦_______________¦_______________¦_______________¦_______________¦________________¦ ____________________________________________________________________________________________________________________________________ 7. SETTLEMENTS, SURCHARGES & OTHER LOSSES-BY TYPE OF ACCOUNT AND INVESTMENT DISCRETION (Completed if the amount in item 3(a) above is $100,000 or more) Discretionary Accounts __________________________________________________________________________________ (a) Employee Benefit Trust Accounts 0% 0% 0% 0% 0% (b) Personal Trust & Estate Accounts 0% 0% 0% 0% 0% (c) Employee Benefit Agencies 0% 0% 0% 0% 0% (d) Other Agency Accounts 0% 0% 0% 0% 0% __________________________________________________________________________________ Subtotal - Discretionary Accounts 0% 0% 0% 0% 0% __________________________________________________________________________________ Non-Discretionary Accounts __________________________________________________________________________________ (e) Employee Benefit Trusts 0% 0% 0% 0% 0% (f) Personal Trust & Estate Accounts 0% 0% 0% 0% 0% (g) Employee Benefit Agencies 0% 0% 0% 0% 0% (h) Other Agency Accounts 0% 0% 0% 0% 0% __________________________________________________________________________________ Subtotal - Non - Discretionary Accounts 0% 0% 0% 0% 0% __________________________________________________________________________________ Other Accounts __________________________________________________________________________________ (i) Corporate Trust & Agency Accounts 0% 0% 0% 0% 0% (j) All Other Activities 0% 0% 0% 0% 0% __________________________________________________________________________________ Subtotal - Other Accounts 0% 0% 0% 0% 0% __________________________________________________________________________________ TABLE E-6 FIDUCIARY INCOME Reporting Year 1997 BANKS AND THRIFTS FILING SCHEDULE E PERCENTAGES OF TOTAL INCOME BY ASSET SIZE GROUP (continued) __________________________________________________________________________________ ¦ Asset Size Groups ($ in Thousands) ¦ ¦________________________________________________________________________________¦ ¦ ¦ ¦$500 Million - ¦$100 - 500 ¦Under $100 ¦ ¦$10+ Billion ¦$1 - 10 Billion¦$1 Billion ¦Million ¦Million ¦ ¦_______________¦_______________¦_______________¦_______________¦________________¦ ____________________________________________________________________________________________________________________________________ __________________________________________________________________________________ Total Settlements, Surcharges & Other Losses 1% 1% 0% 0% 0%