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Bay View Bank, Income and Expense

2003-06-30 (YTD Data)		Rank
Total interest income	$12,442,000	1,185
Total interest expense	$1,180,000	3,714
Net interest income	$11,262,000	866
Provision for loan and lease losses	$0	7,324
Total noninterest income	$27,274,000	225
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$54,000	6,457
Trading account gains and fees	$0	150
Additional Noninterest Income	$27,220,000	178
Total noninterest expense	$50,038,000	215
Salaries and employee benefits	$27,243,000	185
Premises and equipment expense	$18,893,000	98
Additional noninterest expense	$3,902,000	687
Pre-tax net operating income	$-11,502,000	9,267
Securities gains (losses)	$0	3,782
Applicable income taxes	$-4,296,000	9,259
Income before extraordinary items	$-7,206,000	9,260
Extraordinary gains, net	$0	30
Net income	$-7,206,000	9,260
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,535
Cash dividends	$5,378,000	324
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$-7,206,000	9,251
2003-03-31 (YTD Data)		Rank
Total interest income	$6,314,000	1,169
Total interest expense	$928,000	2,592
Net interest income	$5,386,000	905
Provision for loan and lease losses	$0	6,934
Total noninterest income	$14,797,000	218
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$36,000	5,904
Trading account gains and fees	$0	134
Additional Noninterest Income	$14,761,000	168
Total noninterest expense	$36,084,000	179
Salaries and employee benefits	$21,631,000	145
Premises and equipment expense	$9,891,000	99
Additional noninterest expense	$4,562,000	374
Pre-tax net operating income	$-15,901,000	9,319
Securities gains (losses)	$0	2,891
Applicable income taxes	$-6,342,000	9,309
Income before extraordinary items	$-9,559,000	9,311
Extraordinary gains, net	$0	21
Net income	$-9,559,000	9,311
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,539
Cash dividends	$3,182,000	266
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$-9,559,000	9,305
2002-12-31 (YTD Data)		Rank
Total interest income	$160,696,000	242
Total interest expense	$61,433,000	236
Net interest income	$99,263,000	257
Provision for loan and lease losses	$10,600,000	234
Total noninterest income	$111,865,000	148
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$6,083,000	285
Trading account gains and fees	$0	153
Additional Noninterest Income	$105,782,000	117
Total noninterest expense	$-140,832,000	9,354
Salaries and employee benefits	$53,233,000	188
Premises and equipment expense	$68,857,000	65
Additional noninterest expense	$-262,922,000	9,369
Pre-tax net operating income	$341,360,000	71
Securities gains (losses)	$1,148,000	388
Applicable income taxes	$131,014,000	68
Income before extraordinary items	$211,494,000	76
Extraordinary gains, net	$-18,920,000	9,349
Net income	$192,574,000	78
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$30,967,000	118
Cash dividends	$28,669,000	196
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$210,759,280	75
2001-12-31 (YTD Data)		Rank
Total interest income	$295,982,000	178
Total interest expense	$166,647,000	162
Net interest income	$129,335,000	200
Provision for loan and lease losses	$70,890,000	81
Total noninterest income	$84,498,000	174
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$7,117,000	238
Trading account gains and fees	$0	177
Additional Noninterest Income	$77,381,000	136
Total noninterest expense	$290,680,000	108
Salaries and employee benefits	$66,463,000	149
Premises and equipment expense	$106,261,000	45
Additional noninterest expense	$117,956,000	124
Pre-tax net operating income	$-147,737,000	9,628
Securities gains (losses)	$14,229,000	64
Applicable income taxes	$-63,749,000	9,614
Income before extraordinary items	$-69,759,000	9,609
Extraordinary gains, net	$0	105
Net income	$-69,759,000	9,608
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$92,986,000	69
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$-78,865,560	9,609
2000-12-31 (YTD Data)		Rank
Total interest income	$422,685,000	149
Total interest expense	$256,486,000	134
Net interest income	$166,199,000	171
Provision for loan and lease losses	$59,900,000	81
Total noninterest income	$97,987,000	158
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$6,481,000	233
Trading account gains and fees	$0	180
Additional Noninterest Income	$91,506,000	130
Total noninterest expense	$509,729,000	75
Salaries and employee benefits	$89,459,000	128
Premises and equipment expense	$94,793,000	50
Additional noninterest expense	$325,477,000	64
Pre-tax net operating income	$-305,443,000	9,919
Securities gains (losses)	$-835,000	9,747
Applicable income taxes	$-40,135,000	9,898
Income before extraordinary items	$-266,143,000	9,903
Extraordinary gains, net	$0	38
Net income	$-266,143,000	9,903
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$25,813,000	120
Cash dividends	$69,570,000	115
Sale, conversion, retirement of capital stock, net	$2,235,000	342
Net operating income	$-265,416,550	9,904
1999-12-31 (YTD Data)		Rank
Total interest income	$419,900,000	131
Total interest expense	$240,705,000	116
Net interest income	$179,195,000	159
Provision for loan and lease losses	$28,311,000	118
Total noninterest income	$86,295,000	178
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$5,825,000	264
Trading account gains and fees	$0	173
Additional Noninterest Income	$80,470,000	145
Total noninterest expense	$164,734,000	161
Salaries and employee benefits	$65,966,000	153
Premises and equipment expense	$61,892,000	68
Additional noninterest expense	$36,876,000	244
Pre-tax net operating income	$72,445,000	195
Securities gains (losses)	$977,000	223
Applicable income taxes	$33,005,000	169
Income before extraordinary items	$40,417,000	220
Extraordinary gains, net	$0	35
Net income	$40,417,000	221
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$27,153,000	113
Cash dividends	$89,562,000	98
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$39,791,720	217
1998-12-31 (YTD Data)		Rank
Total interest income	$406,178,000	138
Total interest expense	$237,541,000	117
Net interest income	$168,637,000	166
Provision for loan and lease losses	$9,089,000	229
Total noninterest income	$28,334,000	297
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	224
Additional Noninterest Income	$28,334,000	235
Total noninterest expense	$116,390,000	204
Salaries and employee benefits	$44,333,000	192
Premises and equipment expense	$21,054,000	147
Additional noninterest expense	$51,003,000	213
Pre-tax net operating income	$71,492,000	191
Securities gains (losses)	$1,814,000	248
Applicable income taxes	$32,726,000	163
Income before extraordinary items	$40,580,000	215
Extraordinary gains, net	$0	32
Net income	$40,580,000	216
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,202,000	156
Cash dividends	$87,000,000	97
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$39,419,040	209
1997-12-31 (YTD Data)		Rank
Total interest income	$224,139,000	221
Total interest expense	$142,941,000	184
Net interest income	$81,198,000	268
Provision for loan and lease losses	$-569,000	10,873
Total noninterest income	$12,898,000	476
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	239
Additional Noninterest Income	$12,898,000	353
Total noninterest expense	$54,287,000	310
Salaries and employee benefits	$22,527,000	317
Premises and equipment expense	$8,974,000	263
Additional noninterest expense	$22,786,000	311
Pre-tax net operating income	$40,378,000	271
Securities gains (losses)	$-1,000	9,009
Applicable income taxes	$15,590,000	261
Income before extraordinary items	$24,787,000	291
Extraordinary gains, net	$0	44
Net income	$24,787,000	291
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,303,000	663
Cash dividends	$13,000,000	309
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$24,787,640	280
1996-12-31 (YTD Data)		Rank
Total interest income	$206,654,000	255
Total interest expense	$141,270,000	200
Net interest income	$65,384,000	358
Provision for loan and lease losses	$974,000	1,054
Total noninterest income	$16,780,000	434
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	262
Additional Noninterest Income	$16,780,000	323
Total noninterest expense	$64,789,000	325
Salaries and employee benefits	$19,766,000	386
Premises and equipment expense	$13,362,000	228
Additional noninterest expense	$31,661,000	318
Pre-tax net operating income	$16,401,000	530
Securities gains (losses)	$-505,000	11,371
Applicable income taxes	$6,653,000	469
Income before extraordinary items	$9,243,000	627
Extraordinary gains, net	$0	53
Net income	$9,243,000	627
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,473,000	361
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$9,566,200	593
1995-12-31 (YTD Data)		Rank
Total interest income	$213,655,000	259
Total interest expense	$161,972,000	186
Net interest income	$51,683,000	444
Provision for loan and lease losses	$4,055,000	368
Total noninterest income	$4,344,000	1,053
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	522
Additional Noninterest Income	$4,344,000	726
Total noninterest expense	$53,890,000	372
Salaries and employee benefits	$20,805,000	389
Premises and equipment expense	$10,887,000	272
Additional noninterest expense	$22,198,000	403
Pre-tax net operating income	$-1,918,000	11,920
Securities gains (losses)	$-2,213,000	11,913
Applicable income taxes	$-1,411,000	11,922
Income before extraordinary items	$-2,720,000	11,920
Extraordinary gains, net	$-2,544,000	11,966
Net income	$-5,264,000	11,943
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,848,000	468
Cash dividends	$29,400,000	191
Sale, conversion, retirement of capital stock, net	NA	NA
Net operating income	$-1,259,420	11,872
1994-12-31 (YTD Data)		Rank
Total interest income	$193,401,000	249
Total interest expense	$131,378,000	181
Net interest income	$62,023,000	370
Provision for loan and lease losses	$2,621,000	473
Total noninterest income	$11,844,000	521
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	475
Additional Noninterest Income	$11,844,000	379
Total noninterest expense	$49,631,000	397
Salaries and employee benefits	$22,402,000	361
Premises and equipment expense	$10,760,000	278
Additional noninterest expense	$16,469,000	497
Pre-tax net operating income	$21,615,000	440
Securities gains (losses)	$-2,000	9,023
Applicable income taxes	$7,595,000	416
Income before extraordinary items	$14,018,000	434
Extraordinary gains, net	$0	249
Net income	$14,018,000	433
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,210,000	285
Cash dividends	$4,400,000	615
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$14,019,300	441
1993-12-31 (YTD Data)		Rank
Total interest income	$188,445,000	245
Total interest expense	$122,692,000	164
Net interest income	$65,753,000	345
Provision for loan and lease losses	$6,235,000	371
Total noninterest income	$11,569,000	548
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$11,569,000	400
Total noninterest expense	$50,911,000	398
Salaries and employee benefits	$22,707,000	356
Premises and equipment expense	$11,173,000	262
Additional noninterest expense	$17,031,000	529
Pre-tax net operating income	$20,176,000	404
Securities gains (losses)	$1,859,000	337
Applicable income taxes	$9,455,000	325
Income before extraordinary items	$12,580,000	445
Extraordinary gains, net	$-132,000	12,973
Net income	$12,448,000	464
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,501,000	246
Cash dividends	$3,300,000	660
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$11,390,240	464
1992-12-31 (YTD Data)		Rank
Total interest income	$215,637,000	236
Total interest expense	$147,932,000	165
Net interest income	$67,705,000	351
Provision for loan and lease losses	$23,304,000	198
Total noninterest income	$7,929,000	695
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$-1,367,000	5,313
Additional Noninterest Income	$9,296,000	459
Total noninterest expense	$45,339,000	443
Salaries and employee benefits	$17,675,000	427
Premises and equipment expense	$9,885,000	295
Additional noninterest expense	$17,779,000	499
Pre-tax net operating income	$6,991,000	930
Securities gains (losses)	$127,000	2,628
Applicable income taxes	$6,078,000	407
Income before extraordinary items	$1,040,000	4,340
Extraordinary gains, net	$3,932,000	45
Net income	$4,972,000	963
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,253,000	290
Cash dividends	$2,100,000	804
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$958,720	4,350

* 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.