Home > BayBank > Income and Expense

BayBank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$755,917,000	87
Total interest expense	$262,198,000	120
Net interest income	$493,719,000	64
Provision for loan and lease losses	$22,180,000	125
Total noninterest income	$262,584,000	69
Gross Fiduciary activities income	$15,236,000	114
Service charges on deposit accounts	$77,279,000	36
Trading account gains and fees	$4,180,000	53
Additional Noninterest Income	$165,889,000	67
Total noninterest expense	$555,621,000	53
Salaries and employee benefits	$231,381,000	46
Premises and equipment expense	$84,649,000	41
Additional noninterest expense	$239,591,000	60
Pre-tax net operating income	$178,502,000	92
Securities gains (losses)	$1,722,000	171
Applicable income taxes	$65,819,000	87
Income before extraordinary items	$114,405,000	96
Extraordinary gains, net	$0	53
Net income	$114,405,000	95
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$44,647,000	80
Cash dividends	$25,000,000	235
Sale, conversion, retirement of capital stock, net	$6,163,000	108
Net operating income	$113,302,920	94
1995-12-31 (YTD Data)		Rank
Total interest income	$773,786,000	83
Total interest expense	$279,067,000	111
Net interest income	$494,719,000	61
Provision for loan and lease losses	$24,850,000	103
Total noninterest income	$236,772,000	70
Gross Fiduciary activities income	$14,433,000	123
Service charges on deposit accounts	$108,925,000	20
Trading account gains and fees	$6,118,000	56
Additional Noninterest Income	$107,296,000	93
Total noninterest expense	$485,755,000	57
Salaries and employee benefits	$248,062,000	42
Premises and equipment expense	$80,827,000	37
Additional noninterest expense	$156,866,000	88
Pre-tax net operating income	$220,886,000	61
Securities gains (losses)	$-138,000	11,597
Applicable income taxes	$83,982,000	52
Income before extraordinary items	$136,766,000	71
Extraordinary gains, net	$0	65
Net income	$136,766,000	71
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$28,084,000	97
Cash dividends	$101,018,000	65
Sale, conversion, retirement of capital stock, net	$750,000	330
Net operating income	$136,854,320	73
1994-12-31 (YTD Data)		Rank
Total interest income	$604,149,000	85
Total interest expense	$178,485,000	127
Net interest income	$425,664,000	62
Provision for loan and lease losses	$20,440,000	110
Total noninterest income	$181,633,000	79
Gross Fiduciary activities income	$14,265,000	121
Service charges on deposit accounts	$97,402,000	19
Trading account gains and fees	$274,000	171
Additional Noninterest Income	$69,692,000	116
Total noninterest expense	$446,877,000	63
Salaries and employee benefits	$110,453,000	93
Premises and equipment expense	$38,954,000	90
Additional noninterest expense	$297,470,000	42
Pre-tax net operating income	$139,980,000	98
Securities gains (losses)	$191,000	514
Applicable income taxes	$56,389,000	85
Income before extraordinary items	$83,782,000	116
Extraordinary gains, net	$-572,000	12,581
Net income	$83,210,000	117
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$42,508,000	62
Cash dividends	$24,440,000	187
Sale, conversion, retirement of capital stock, net	$4,000	1,129
Net operating income	$83,659,760	116
1993-12-31 (YTD Data)		Rank
Total interest income	$540,988,000	85
Total interest expense	$153,074,000	127
Net interest income	$387,914,000	67
Provision for loan and lease losses	$31,500,000	112
Total noninterest income	$194,079,000	69
Gross Fiduciary activities income	$14,725,000	117
Service charges on deposit accounts	$79,625,000	30
Trading account gains and fees	$397,000	189
Additional Noninterest Income	$99,332,000	82
Total noninterest expense	$465,956,000	56
Salaries and employee benefits	$106,219,000	93
Premises and equipment expense	$39,560,000	79
Additional noninterest expense	$320,177,000	35
Pre-tax net operating income	$84,537,000	142
Securities gains (losses)	$409,000	1,031
Applicable income taxes	$35,019,000	111
Income before extraordinary items	$49,927,000	165
Extraordinary gains, net	$0	3,149
Net income	$49,927,000	167
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$50,307,000	78
Cash dividends	$10,000,000	279
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$49,665,240	162
1992-12-31 (YTD Data)		Rank
Total interest income	$603,994,000	74
Total interest expense	$221,536,000	106
Net interest income	$382,458,000	61
Provision for loan and lease losses	$92,024,000	58
Total noninterest income	$190,042,000	62
Gross Fiduciary activities income	$15,033,000	112
Service charges on deposit accounts	$73,638,000	28
Trading account gains and fees	$164,000	242
Additional Noninterest Income	$101,207,000	74
Total noninterest expense	$479,354,000	49
Salaries and employee benefits	$107,065,000	89
Premises and equipment expense	$41,710,000	75
Additional noninterest expense	$330,579,000	29
Pre-tax net operating income	$1,122,000	5,176
Securities gains (losses)	$72,122,000	16
Applicable income taxes	$26,965,000	110
Income before extraordinary items	$46,279,000	144
Extraordinary gains, net	$0	1,422
Net income	$46,279,000	145
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$110,867,000	50
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$120,920	11,351

* 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.