* Net operating income represents after-tax earnings of
banking companies from their main lines of business. Net operating income
is defined as net income before extraordinary items and nonrecurring items. Nonrecurring items may be
classified and defined differently by different banking companies.
** U.S. Bancorp.'s segment income represents pre-tax
income before merger and restructuring-related items, cumulative effect of changes in accounting
principles and provisions for credit losses.
*** Mellon Financial Corp.'s segment income represents pre-tax net operating income.