Home > BSB Bank & Trust Company > Income and Expense
BSB Bank & Trust Company, Income and Expense
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $54,433,000 | 296 |
| Total interest expense | $19,045,000 | 248 |
| Net interest income | $35,388,000 | 315 |
| Provision for loan and lease losses | $3,240,000 | 213 |
| Total noninterest income | $6,403,000 | 516 |
| Gross Fiduciary activities income | $655,000 | 332 |
| Service charges on deposit accounts | $2,292,000 | 374 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $3,456,000 | 539 |
| Total noninterest expense | $23,198,000 | 393 |
| Salaries and employee benefits | $13,525,000 | 339 |
| Premises and equipment expense | $2,524,000 | 466 |
| Additional noninterest expense | $7,149,000 | 402 |
| Pre-tax net operating income | $15,353,000 | 361 |
| Securities gains (losses) | $34,000 | 1,708 |
| Applicable income taxes | $4,315,000 | 408 |
| Income before extraordinary items | $11,072,000 | 359 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $11,072,000 | 358 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $622,000 | 597 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $225,000 | 332 |
| Net operating income | $11,047,520 | 346 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $27,587,000 | 302 |
| Total interest expense | $9,619,000 | 250 |
| Net interest income | $17,968,000 | 315 |
| Provision for loan and lease losses | $1,620,000 | 216 |
| Total noninterest income | $3,214,000 | 519 |
| Gross Fiduciary activities income | $325,000 | 332 |
| Service charges on deposit accounts | $1,162,000 | 365 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $1,727,000 | 534 |
| Total noninterest expense | $12,293,000 | 378 |
| Salaries and employee benefits | $7,097,000 | 332 |
| Premises and equipment expense | $1,327,000 | 451 |
| Additional noninterest expense | $3,869,000 | 379 |
| Pre-tax net operating income | $7,269,000 | 371 |
| Securities gains (losses) | $34,000 | 1,420 |
| Applicable income taxes | $2,030,000 | 431 |
| Income before extraordinary items | $5,273,000 | 366 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $5,273,000 | 366 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $961,000 | 287 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $461,000 | 158 |
| Net operating income | $5,248,520 | 352 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $114,784,000 | 292 |
| Total interest expense | $39,935,000 | 263 |
| Net interest income | $74,849,000 | 308 |
| Provision for loan and lease losses | $10,088,000 | 193 |
| Total noninterest income | $12,153,000 | 563 |
| Gross Fiduciary activities income | $1,210,000 | 346 |
| Service charges on deposit accounts | $5,190,000 | 324 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $5,753,000 | 686 |
| Total noninterest expense | $48,074,000 | 388 |
| Salaries and employee benefits | $27,044,000 | 341 |
| Premises and equipment expense | $4,992,000 | 472 |
| Additional noninterest expense | $16,038,000 | 388 |
| Pre-tax net operating income | $28,840,000 | 365 |
| Securities gains (losses) | $1,339,000 | 387 |
| Applicable income taxes | $8,725,000 | 408 |
| Income before extraordinary items | $21,454,000 | 364 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $21,454,000 | 365 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,917,000 | 116 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $309,000 | 541 |
| Net operating income | $20,503,310 | 352 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $86,518,000 | 301 |
| Total interest expense | $30,243,000 | 268 |
| Net interest income | $56,275,000 | 312 |
| Provision for loan and lease losses | $9,828,000 | 180 |
| Total noninterest income | $9,254,000 | 584 |
| Gross Fiduciary activities income | $906,000 | 354 |
| Service charges on deposit accounts | $3,874,000 | 333 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $4,474,000 | 695 |
| Total noninterest expense | $35,468,000 | 398 |
| Salaries and employee benefits | $19,371,000 | 362 |
| Premises and equipment expense | $3,537,000 | 509 |
| Additional noninterest expense | $12,560,000 | 386 |
| Pre-tax net operating income | $20,233,000 | 394 |
| Securities gains (losses) | $1,026,000 | 433 |
| Applicable income taxes | $6,023,000 | 442 |
| Income before extraordinary items | $15,236,000 | 396 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $15,236,000 | 397 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,696,000 | 152 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $77,000 | 528 |
| Net operating income | $14,497,280 | 380 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $58,365,000 | 303 |
| Total interest expense | $20,448,000 | 277 |
| Net interest income | $37,917,000 | 316 |
| Provision for loan and lease losses | $6,948,000 | 173 |
| Total noninterest income | $6,090,000 | 585 |
| Gross Fiduciary activities income | $637,000 | 349 |
| Service charges on deposit accounts | $2,544,000 | 335 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $2,909,000 | 687 |
| Total noninterest expense | $23,722,000 | 405 |
| Salaries and employee benefits | $12,953,000 | 358 |
| Premises and equipment expense | $2,308,000 | 522 |
| Additional noninterest expense | $8,461,000 | 389 |
| Pre-tax net operating income | $13,337,000 | 396 |
| Securities gains (losses) | $635,000 | 496 |
| Applicable income taxes | $3,957,000 | 454 |
| Income before extraordinary items | $10,015,000 | 399 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $10,015,000 | 400 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,591,000 | 148 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $9,557,800 | 375 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $29,401,000 | 309 |
| Total interest expense | $10,118,000 | 288 |
| Net interest income | $19,283,000 | 313 |
| Provision for loan and lease losses | $3,968,000 | 162 |
| Total noninterest income | $3,003,000 | 591 |
| Gross Fiduciary activities income | $278,000 | 382 |
| Service charges on deposit accounts | $1,225,000 | 344 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,500,000 | 664 |
| Total noninterest expense | $11,775,000 | 399 |
| Salaries and employee benefits | $6,503,000 | 354 |
| Premises and equipment expense | $1,163,000 | 522 |
| Additional noninterest expense | $4,109,000 | 393 |
| Pre-tax net operating income | $6,543,000 | 396 |
| Securities gains (losses) | $329,000 | 480 |
| Applicable income taxes | $1,930,000 | 468 |
| Income before extraordinary items | $4,942,000 | 392 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $4,942,000 | 392 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,274,000 | 280 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $4,705,120 | 375 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $129,483,000 | 300 |
| Total interest expense | $48,490,000 | 285 |
| Net interest income | $80,993,000 | 297 |
| Provision for loan and lease losses | $46,170,000 | 105 |
| Total noninterest income | $17,043,000 | 444 |
| Gross Fiduciary activities income | $1,308,000 | 354 |
| Service charges on deposit accounts | $5,176,000 | 324 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $10,559,000 | 424 |
| Total noninterest expense | $47,539,000 | 390 |
| Salaries and employee benefits | $24,769,000 | 348 |
| Premises and equipment expense | $4,760,000 | 487 |
| Additional noninterest expense | $18,010,000 | 377 |
| Pre-tax net operating income | $4,327,000 | 1,864 |
| Securities gains (losses) | $292,000 | 912 |
| Applicable income taxes | $-254,000 | 9,163 |
| Income before extraordinary items | $4,873,000 | 1,295 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $4,873,000 | 1,293 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,750,000 | 100 |
| Cash dividends | $33,007,000 | 168 |
| Sale, conversion, retirement of capital stock, net | $327,000 | 521 |
| Net operating income | $4,581,000 | 1,313 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $164,799,000 | 272 |
| Total interest expense | $79,729,000 | 263 |
| Net interest income | $85,070,000 | 281 |
| Provision for loan and lease losses | $18,224,000 | 168 |
| Total noninterest income | $11,654,000 | 548 |
| Gross Fiduciary activities income | $1,618,000 | 323 |
| Service charges on deposit accounts | $5,226,000 | 307 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $4,810,000 | 681 |
| Total noninterest expense | $42,487,000 | 410 |
| Salaries and employee benefits | $21,828,000 | 365 |
| Premises and equipment expense | $4,815,000 | 478 |
| Additional noninterest expense | $15,844,000 | 413 |
| Pre-tax net operating income | $36,013,000 | 276 |
| Securities gains (losses) | $379,000 | 751 |
| Applicable income taxes | $12,572,000 | 286 |
| Income before extraordinary items | $23,820,000 | 291 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $23,820,000 | 290 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,686,000 | 153 |
| Cash dividends | $7,503,000 | 456 |
| Sale, conversion, retirement of capital stock, net | $96,000 | 660 |
| Net operating income | $23,573,650 | 280 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $193,430,000 | 254 |
| Total interest expense | $99,805,000 | 258 |
| Net interest income | $93,625,000 | 246 |
| Provision for loan and lease losses | $53,721,000 | 87 |
| Total noninterest income | $13,452,000 | 478 |
| Gross Fiduciary activities income | $1,280,000 | 375 |
| Service charges on deposit accounts | $5,360,000 | 276 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $6,812,000 | 522 |
| Total noninterest expense | $45,308,000 | 380 |
| Salaries and employee benefits | $21,301,000 | 349 |
| Premises and equipment expense | $5,040,000 | 454 |
| Additional noninterest expense | $18,967,000 | 358 |
| Pre-tax net operating income | $8,048,000 | 960 |
| Securities gains (losses) | $9,000 | 1,192 |
| Applicable income taxes | $1,315,000 | 1,684 |
| Income before extraordinary items | $6,742,000 | 802 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $6,742,000 | 802 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,564,000 | 130 |
| Cash dividends | $10,289,000 | 362 |
| Sale, conversion, retirement of capital stock, net | $87,000 | 711 |
| Net operating income | $6,734,440 | 800 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $176,742,000 | 254 |
| Total interest expense | $87,089,000 | 253 |
| Net interest income | $89,653,000 | 254 |
| Provision for loan and lease losses | $19,132,000 | 146 |
| Total noninterest income | $12,714,000 | 530 |
| Gross Fiduciary activities income | $1,104,000 | 450 |
| Service charges on deposit accounts | $4,382,000 | 329 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $7,228,000 | 527 |
| Total noninterest expense | $46,864,000 | 378 |
| Salaries and employee benefits | $21,053,000 | 371 |
| Premises and equipment expense | $5,049,000 | 460 |
| Additional noninterest expense | $20,762,000 | 353 |
| Pre-tax net operating income | $36,371,000 | 311 |
| Securities gains (losses) | $-231,000 | 10,052 |
| Applicable income taxes | $11,341,000 | 341 |
| Income before extraordinary items | $24,799,000 | 312 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $24,799,000 | 312 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,028,000 | 149 |
| Cash dividends | $9,502,000 | 413 |
| Sale, conversion, retirement of capital stock, net | $109,000 | 777 |
| Net operating income | $24,958,390 | 306 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $146,033,000 | 287 |
| Total interest expense | $74,192,000 | 278 |
| Net interest income | $71,841,000 | 291 |
| Provision for loan and lease losses | $12,208,000 | 200 |
| Total noninterest income | $7,398,000 | 722 |
| Gross Fiduciary activities income | $994,000 | 462 |
| Service charges on deposit accounts | $2,464,000 | 520 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $3,940,000 | 757 |
| Total noninterest expense | $31,825,000 | 507 |
| Salaries and employee benefits | $15,432,000 | 476 |
| Premises and equipment expense | $3,042,000 | 684 |
| Additional noninterest expense | $13,351,000 | 482 |
| Pre-tax net operating income | $35,206,000 | 289 |
| Securities gains (losses) | $-821,000 | 10,447 |
| Applicable income taxes | $12,522,000 | 296 |
| Income before extraordinary items | $21,863,000 | 315 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $21,863,000 | 316 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,247,000 | 205 |
| Cash dividends | $10,112,000 | 377 |
| Sale, conversion, retirement of capital stock, net | $108,000 | 762 |
| Net operating income | $22,388,440 | 297 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $122,411,000 | 342 |
| Total interest expense | $62,016,000 | 335 |
| Net interest income | $60,395,000 | 349 |
| Provision for loan and lease losses | $10,563,000 | 203 |
| Total noninterest income | $6,320,000 | 790 |
| Gross Fiduciary activities income | $709,000 | 558 |
| Service charges on deposit accounts | $2,296,000 | 565 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $3,315,000 | 793 |
| Total noninterest expense | $28,338,000 | 537 |
| Salaries and employee benefits | $13,466,000 | 508 |
| Premises and equipment expense | $2,946,000 | 704 |
| Additional noninterest expense | $11,926,000 | 500 |
| Pre-tax net operating income | $27,814,000 | 354 |
| Securities gains (losses) | $380,000 | 497 |
| Applicable income taxes | $10,562,000 | 344 |
| Income before extraordinary items | $17,632,000 | 381 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $17,632,000 | 382 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,410,000 | 204 |
| Cash dividends | $6,422,000 | 515 |
| Sale, conversion, retirement of capital stock, net | $138,000 | 727 |
| Net operating income | $17,388,800 | 366 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $106,272,000 | 408 |
| Total interest expense | $52,474,000 | 405 |
| Net interest income | $53,798,000 | 415 |
| Provision for loan and lease losses | $9,384,000 | 213 |
| Total noninterest income | $7,765,000 | 699 |
| Gross Fiduciary activities income | $595,000 | 652 |
| Service charges on deposit accounts | $2,015,000 | 670 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $5,155,000 | 631 |
| Total noninterest expense | $27,773,000 | 596 |
| Salaries and employee benefits | $12,619,000 | 557 |
| Premises and equipment expense | $2,493,000 | 878 |
| Additional noninterest expense | $12,661,000 | 562 |
| Pre-tax net operating income | $24,406,000 | 397 |
| Securities gains (losses) | $1,208,000 | 223 |
| Applicable income taxes | $9,812,000 | 366 |
| Income before extraordinary items | $15,802,000 | 414 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $15,802,000 | 415 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,395,000 | 290 |
| Cash dividends | $23,166,000 | 247 |
| Sale, conversion, retirement of capital stock, net | $174,000 | 597 |
| Net operating income | $15,028,880 | 420 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $99,060,000 | 456 |
| Total interest expense | $50,427,000 | 442 |
| Net interest income | $48,633,000 | 456 |
| Provision for loan and lease losses | $7,170,000 | 245 |
| Total noninterest income | $6,429,000 | 807 |
| Gross Fiduciary activities income | $551,000 | 714 |
| Service charges on deposit accounts | $1,609,000 | 817 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $4,269,000 | 734 |
| Total noninterest expense | $26,820,000 | 630 |
| Salaries and employee benefits | $12,023,000 | 587 |
| Premises and equipment expense | $2,639,000 | 835 |
| Additional noninterest expense | $12,158,000 | 594 |
| Pre-tax net operating income | $21,072,000 | 467 |
| Securities gains (losses) | $97,000 | 975 |
| Applicable income taxes | $8,105,000 | 424 |
| Income before extraordinary items | $13,064,000 | 495 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $13,064,000 | 496 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,141,000 | 267 |
| Cash dividends | $8,855,000 | 421 |
| Sale, conversion, retirement of capital stock, net | $51,000 | 644 |
| Net operating income | $13,001,920 | 493 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $84,938,000 | 461 |
| Total interest expense | $39,208,000 | 433 |
| Net interest income | $45,730,000 | 469 |
| Provision for loan and lease losses | $3,717,000 | 357 |
| Total noninterest income | $5,263,000 | 896 |
| Gross Fiduciary activities income | $476,000 | 749 |
| Service charges on deposit accounts | $1,394,000 | 948 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $3,393,000 | 821 |
| Total noninterest expense | $26,280,000 | 652 |
| Salaries and employee benefits | $12,158,000 | 597 |
| Premises and equipment expense | $2,497,000 | 879 |
| Additional noninterest expense | $11,625,000 | 626 |
| Pre-tax net operating income | $20,996,000 | 447 |
| Securities gains (losses) | $355,000 | 348 |
| Applicable income taxes | $8,222,000 | 395 |
| Income before extraordinary items | $13,129,000 | 458 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $13,129,000 | 457 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,287,000 | 402 |
| Cash dividends | $7,295,000 | 437 |
| Sale, conversion, retirement of capital stock, net | $48,000 | 914 |
| Net operating income | $12,901,800 | 471 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $80,859,000 | 469 |
| Total interest expense | $35,271,000 | 470 |
| Net interest income | $45,588,000 | 471 |
| Provision for loan and lease losses | $4,404,000 | 475 |
| Total noninterest income | $4,471,000 | 1,078 |
| Gross Fiduciary activities income | $411,000 | 832 |
| Service charges on deposit accounts | $1,219,000 | 1,097 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $2,841,000 | 1,000 |
| Total noninterest expense | $24,817,000 | 709 |
| Salaries and employee benefits | $11,677,000 | 628 |
| Premises and equipment expense | $2,502,000 | 895 |
| Additional noninterest expense | $10,638,000 | 731 |
| Pre-tax net operating income | $20,838,000 | 393 |
| Securities gains (losses) | $1,421,000 | 407 |
| Applicable income taxes | $8,643,000 | 345 |
| Income before extraordinary items | $13,616,000 | 417 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $13,616,000 | 426 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,262,000 | 532 |
| Cash dividends | $2,894,000 | 755 |
| Sale, conversion, retirement of capital stock, net | $248,000 | 744 |
| Net operating income | $12,706,560 | 418 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $84,007,000 | 506 |
| Total interest expense | $43,795,000 | 491 |
| Net interest income | $40,212,000 | 527 |
| Provision for loan and lease losses | $6,118,000 | 527 |
| Total noninterest income | $4,542,000 | 1,056 |
| Gross Fiduciary activities income | $282,000 | 983 |
| Service charges on deposit accounts | $1,054,000 | 1,263 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $3,206,000 | 911 |
| Total noninterest expense | $22,014,000 | 784 |
| Salaries and employee benefits | $10,119,000 | 695 |
| Premises and equipment expense | $1,963,000 | 1,136 |
| Additional noninterest expense | $9,932,000 | 772 |
| Pre-tax net operating income | $16,622,000 | 403 |
| Securities gains (losses) | $-74,000 | 13,739 |
| Applicable income taxes | $6,078,000 | 407 |
| Income before extraordinary items | $10,470,000 | 474 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $10,470,000 | 479 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,036,000 | 605 |
| Cash dividends | $2,241,000 | 761 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $10,517,360 | 427 |
* 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.