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BayBank NH, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$55,197,000	678
Total interest expense	$24,357,000	717
Net interest income	$30,840,000	639
Provision for loan and lease losses	$2,642,000	495
Total noninterest income	$4,587,000	1,006
Gross Fiduciary activities income	$0	1,526
Service charges on deposit accounts	$2,483,000	553
Trading account gains and fees	$0	262
Additional Noninterest Income	$2,104,000	1,117
Total noninterest expense	$20,982,000	754
Salaries and employee benefits	$7,568,000	902
Premises and equipment expense	$2,904,000	753
Additional noninterest expense	$10,510,000	648
Pre-tax net operating income	$11,803,000	691
Securities gains (losses)	$120,000	884
Applicable income taxes	$191,000	7,268
Income before extraordinary items	$11,732,000	506
Extraordinary gains, net	$0	53
Net income	$11,732,000	506
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,747,000	348
Cash dividends	$1,875,000	1,351
Sale, conversion, retirement of capital stock, net	$359,000	507
Net operating income	$11,614,400	504
1995-12-31 (YTD Data)		Rank
Total interest income	$816,000	11,500
Total interest expense	$285,000	11,604
Net interest income	$531,000	11,320
Provision for loan and lease losses	$0	8,958
Total noninterest income	$113,000	10,003
Gross Fiduciary activities income	$0	1,590
Service charges on deposit accounts	$88,000	8,082
Trading account gains and fees	$0	522
Additional Noninterest Income	$25,000	10,586
Total noninterest expense	$540,000	10,838
Salaries and employee benefits	$245,000	11,196
Premises and equipment expense	$103,000	9,537
Additional noninterest expense	$192,000	10,515
Pre-tax net operating income	$104,000	11,060
Securities gains (losses)	$2,000	3,270
Applicable income taxes	$45,000	10,268
Income before extraordinary items	$61,000	11,225
Extraordinary gains, net	$0	65
Net income	$61,000	11,224
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-5,000	10,354
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$59,720	11,207
1994-12-31 (YTD Data)		Rank
Total interest income	$8,588,000	3,490
Total interest expense	$2,610,000	4,470
Net interest income	$5,978,000	3,002
Provision for loan and lease losses	$45,000	6,361
Total noninterest income	$1,968,000	1,853
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$1,253,000	1,059
Trading account gains and fees	$6,000	402
Additional Noninterest Income	$709,000	2,311
Total noninterest expense	$6,180,000	2,283
Salaries and employee benefits	$3,016,000	2,201
Premises and equipment expense	$1,009,000	2,016
Additional noninterest expense	$2,155,000	2,427
Pre-tax net operating income	$1,721,000	3,925
Securities gains (losses)	$46,000	1,207
Applicable income taxes	$-500,000	12,485
Income before extraordinary items	$2,267,000	2,157
Extraordinary gains, net	$0	249
Net income	$2,267,000	2,154
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$149,000	2,982
Cash dividends	$510,000	3,134
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$2,221,000	2,224
1993-12-31 (YTD Data)		Rank
Total interest income	$8,849,000	3,472
Total interest expense	$2,899,000	4,244
Net interest income	$5,950,000	3,051
Provision for loan and lease losses	$400,000	2,455
Total noninterest income	$1,764,000	2,149
Gross Fiduciary activities income	$0	1,630
Service charges on deposit accounts	$870,000	1,572
Trading account gains and fees	$3,000	479
Additional Noninterest Income	$891,000	2,216
Total noninterest expense	$6,213,000	2,319
Salaries and employee benefits	$2,648,000	2,507
Premises and equipment expense	$935,000	2,192
Additional noninterest expense	$2,630,000	2,119
Pre-tax net operating income	$1,101,000	5,508
Securities gains (losses)	$597,000	798
Applicable income taxes	$243,000	6,914
Income before extraordinary items	$1,455,000	3,331
Extraordinary gains, net	$1,000,000	229
Net income	$2,455,000	2,123
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$739,000	1,385
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$941,580	4,691
1992-12-31 (YTD Data)		Rank
Total interest income	$10,013,000	3,483
Total interest expense	$4,470,000	3,668
Net interest income	$5,543,000	3,304
Provision for loan and lease losses	$475,000	3,113
Total noninterest income	$1,972,000	1,952
Gross Fiduciary activities income	$0	1,658
Service charges on deposit accounts	$902,000	1,498
Trading account gains and fees	$0	504
Additional Noninterest Income	$1,070,000	1,900
Total noninterest expense	$7,376,000	1,998
Salaries and employee benefits	$2,344,000	2,766
Premises and equipment expense	$1,049,000	2,010
Additional noninterest expense	$3,983,000	1,589
Pre-tax net operating income	$-336,000	13,199
Securities gains (losses)	$653,000	887
Applicable income taxes	$0	12,680
Income before extraordinary items	$317,000	9,076
Extraordinary gains, net	$0	1,422
Net income	$317,000	9,223
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$318,000	3,223
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$-336,000	13,172

* 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.