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Branford State Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$2,436,000	8,770
Total interest expense	$821,000	9,582
Net interest income	$1,615,000	7,993
Provision for loan and lease losses	$26,000	7,618
Total noninterest income	$316,000	6,758
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$259,000	4,701
Trading account gains and fees	NA	NA
Additional Noninterest Income	$57,000	8,577
Total noninterest expense	$1,084,000	8,383
Salaries and employee benefits	$577,000	8,278
Premises and equipment expense	$119,000	8,811
Additional noninterest expense	$388,000	7,980
Pre-tax net operating income	$821,000	6,426
Securities gains (losses)	$4,000	3,123
Applicable income taxes	$261,000	6,301
Income before extraordinary items	$564,000	6,483
Extraordinary gains, net	$0	53
Net income	$564,000	6,486
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,000	6,503
Cash dividends	$500,000	3,368
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$561,280	6,429
1995-12-31 (YTD Data)		Rank
Total interest income	$2,256,000	9,328
Total interest expense	$798,000	9,953
Net interest income	$1,458,000	8,657
Provision for loan and lease losses	$10,000	8,319
Total noninterest income	$298,000	7,104
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$248,000	4,987
Trading account gains and fees	NA	NA
Additional Noninterest Income	$50,000	9,224
Total noninterest expense	$934,000	9,242
Salaries and employee benefits	$534,000	8,821
Premises and equipment expense	$103,000	9,537
Additional noninterest expense	$297,000	9,269
Pre-tax net operating income	$812,000	6,782
Securities gains (losses)	$0	3,831
Applicable income taxes	$255,000	6,571
Income before extraordinary items	$557,000	6,866
Extraordinary gains, net	$0	65
Net income	$557,000	6,864
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	7,475
Cash dividends	$134,000	6,299
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$557,000	6,842
1994-12-31 (YTD Data)		Rank
Total interest income	$1,904,000	9,983
Total interest expense	$602,000	10,594
Net interest income	$1,302,000	9,456
Provision for loan and lease losses	$35,000	6,861
Total noninterest income	$290,000	7,377
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$242,000	5,167
Trading account gains and fees	NA	NA
Additional Noninterest Income	$48,000	9,719
Total noninterest expense	$992,000	9,383
Salaries and employee benefits	$512,000	9,282
Premises and equipment expense	$110,000	9,702
Additional noninterest expense	$370,000	9,124
Pre-tax net operating income	$565,000	8,212
Securities gains (losses)	$2,000	3,070
Applicable income taxes	$148,000	8,343
Income before extraordinary items	$419,000	8,005
Extraordinary gains, net	$0	249
Net income	$419,000	8,013
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	7,826
Cash dividends	$100,000	6,840
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$417,520	8,066
1993-12-31 (YTD Data)		Rank
Total interest income	$1,839,000	10,516
Total interest expense	$660,000	10,825
Net interest income	$1,179,000	10,131
Provision for loan and lease losses	$40,000	7,927
Total noninterest income	$284,000	7,883
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$237,000	5,305
Trading account gains and fees	NA	NA
Additional Noninterest Income	$47,000	10,262
Total noninterest expense	$948,000	9,984
Salaries and employee benefits	$460,000	10,036
Premises and equipment expense	$111,000	10,087
Additional noninterest expense	$377,000	9,516
Pre-tax net operating income	$475,000	8,821
Securities gains (losses)	$0	7,477
Applicable income taxes	$129,000	9,109
Income before extraordinary items	$346,000	8,974
Extraordinary gains, net	$18,000	2,745
Net income	$364,000	8,965
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	9,413
Cash dividends	$100,000	6,847
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$346,000	8,718
1992-12-31 (YTD Data)		Rank
Total interest income	$1,573,000	11,797
Total interest expense	$524,000	12,657
Net interest income	$1,049,000	10,899
Provision for loan and lease losses	$9,000	11,277
Total noninterest income	$257,000	8,380
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$205,000	5,892
Trading account gains and fees	NA	NA
Additional Noninterest Income	$52,000	10,289
Total noninterest expense	$862,000	10,698
Salaries and employee benefits	$422,000	10,616
Premises and equipment expense	$108,000	10,453
Additional noninterest expense	$332,000	10,421
Pre-tax net operating income	$435,000	8,925
Securities gains (losses)	$0	8,369
Applicable income taxes	$125,000	9,233
Income before extraordinary items	$310,000	9,176
Extraordinary gains, net	$0	1,422
Net income	$310,000	9,319
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,000	9,428
Cash dividends	$100,000	6,542
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$310,000	8,803

* 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.