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CambridgePort Bank, Income and Expense

2003-06-30 (YTD Data)		Rank
Total interest income	$40,163,000	399
Total interest expense	$16,378,000	326
Net interest income	$23,785,000	445
Provision for loan and lease losses	$276,000	1,966
Total noninterest income	$3,364,000	919
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$713,000	1,210
Trading account gains and fees	$0	150
Additional Noninterest Income	$2,651,000	741
Total noninterest expense	$13,047,000	652
Salaries and employee benefits	$7,934,000	556
Premises and equipment expense	$1,673,000	702
Additional noninterest expense	$3,440,000	755
Pre-tax net operating income	$13,826,000	381
Securities gains (losses)	$0	3,782
Applicable income taxes	$5,743,000	351
Income before extraordinary items	$8,083,000	469
Extraordinary gains, net	$0	30
Net income	$8,083,000	469
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	7,985
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$8,083,000	431
2003-03-31 (YTD Data)		Rank
Total interest income	$20,376,000	401
Total interest expense	$8,297,000	331
Net interest income	$12,079,000	440
Provision for loan and lease losses	$75,000	2,805
Total noninterest income	$1,716,000	878
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$408,000	1,019
Trading account gains and fees	$0	134
Additional Noninterest Income	$1,308,000	730
Total noninterest expense	$6,706,000	625
Salaries and employee benefits	$3,879,000	572
Premises and equipment expense	$849,000	684
Additional noninterest expense	$1,978,000	660
Pre-tax net operating income	$7,014,000	375
Securities gains (losses)	$0	2,891
Applicable income taxes	$3,554,000	310
Income before extraordinary items	$3,460,000	520
Extraordinary gains, net	$0	21
Net income	$3,460,000	519
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-4,000	8,123
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$3,460,000	485
2002-12-31 (YTD Data)		Rank
Total interest income	$79,685,000	427
Total interest expense	$36,188,000	356
Net interest income	$43,497,000	481
Provision for loan and lease losses	$650,000	1,938
Total noninterest income	$5,292,000	1,000
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$1,386,000	1,161
Trading account gains and fees	$0	153
Additional Noninterest Income	$3,906,000	828
Total noninterest expense	$26,918,000	606
Salaries and employee benefits	$16,255,000	522
Premises and equipment expense	$3,393,000	658
Additional noninterest expense	$7,270,000	709
Pre-tax net operating income	$21,221,000	455
Securities gains (losses)	$72,000	2,068
Applicable income taxes	$7,919,000	423
Income before extraordinary items	$13,374,000	509
Extraordinary gains, net	$0	70
Net income	$13,374,000	513
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-36,000	9,087
Cash dividends	$8,005,000	426
Sale, conversion, retirement of capital stock, net	$321,000	523
Net operating income	$13,327,920	486
2001-12-31 (YTD Data)		Rank
Total interest income	$66,603,000	541
Total interest expense	$34,700,000	499
Net interest income	$31,903,000	576
Provision for loan and lease losses	$1,225,000	1,063
Total noninterest income	$6,889,000	766
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$1,176,000	1,269
Trading account gains and fees	$0	177
Additional Noninterest Income	$5,713,000	597
Total noninterest expense	$23,727,000	667
Salaries and employee benefits	$13,926,000	570
Premises and equipment expense	$2,966,000	723
Additional noninterest expense	$6,835,000	746
Pre-tax net operating income	$13,840,000	577
Securities gains (losses)	$374,000	761
Applicable income taxes	$5,168,000	530
Income before extraordinary items	$9,046,000	618
Extraordinary gains, net	$0	105
Net income	$9,046,000	620
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-37,000	9,356
Cash dividends	$14,736,000	285
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$8,806,640	608
2000-12-31 (YTD Data)		Rank
Total interest income	$59,271,000	624
Total interest expense	$32,771,000	586
Net interest income	$26,500,000	670
Provision for loan and lease losses	$916,000	1,147
Total noninterest income	$3,228,000	1,267
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$974,000	1,398
Trading account gains and fees	$0	180
Additional Noninterest Income	$2,254,000	1,047
Total noninterest expense	$21,628,000	718
Salaries and employee benefits	$12,132,000	593
Premises and equipment expense	$3,260,000	654
Additional noninterest expense	$6,236,000	798
Pre-tax net operating income	$7,184,000	1,054
Securities gains (losses)	$-506,000	9,708
Applicable income taxes	$2,340,000	1,013
Income before extraordinary items	$4,338,000	1,214
Extraordinary gains, net	$0	38
Net income	$4,338,000	1,214
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-62,000	9,654
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$4,666,900	1,128
1999-12-31 (YTD Data)		Rank
Total interest income	$48,398,000	718
Total interest expense	$25,705,000	643
Net interest income	$22,693,000	781
Provision for loan and lease losses	$740,000	1,259
Total noninterest income	$3,062,000	1,325
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$802,000	1,656
Trading account gains and fees	$0	173
Additional Noninterest Income	$2,260,000	1,052
Total noninterest expense	$19,575,000	770
Salaries and employee benefits	$10,240,000	687
Premises and equipment expense	$2,992,000	697
Additional noninterest expense	$6,343,000	816
Pre-tax net operating income	$5,440,000	1,397
Securities gains (losses)	$0	3,155
Applicable income taxes	$1,695,000	1,434
Income before extraordinary items	$3,745,000	1,431
Extraordinary gains, net	$0	35
Net income	$3,745,000	1,432
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$292,000	1,855
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$3,745,000	1,406
1998-12-31 (YTD Data)		Rank
Total interest income	$47,099,000	718
Total interest expense	$25,879,000	648
Net interest income	$21,220,000	805
Provision for loan and lease losses	$1,760,000	638
Total noninterest income	$3,513,000	1,188
Gross Fiduciary activities income	$0	1,398
Service charges on deposit accounts	$641,000	2,006
Trading account gains and fees	$0	224
Additional Noninterest Income	$2,872,000	921
Total noninterest expense	$17,999,000	807
Salaries and employee benefits	$9,605,000	706
Premises and equipment expense	$3,202,000	664
Additional noninterest expense	$5,192,000	926
Pre-tax net operating income	$4,974,000	1,485
Securities gains (losses)	$61,000	1,591
Applicable income taxes	$1,863,000	1,350
Income before extraordinary items	$3,172,000	1,666
Extraordinary gains, net	$0	32
Net income	$3,172,000	1,667
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$34,000	5,584
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$3,132,960	1,619
1997-12-31 (YTD Data)		Rank
Total interest income	$42,506,000	803
Total interest expense	$23,553,000	711
Net interest income	$18,953,000	944
Provision for loan and lease losses	$600,000	1,510
Total noninterest income	$2,267,000	1,595
Gross Fiduciary activities income	$0	1,450
Service charges on deposit accounts	$558,000	2,350
Trading account gains and fees	$0	239
Additional Noninterest Income	$1,709,000	1,217
Total noninterest expense	$17,390,000	827
Salaries and employee benefits	$8,976,000	769
Premises and equipment expense	$3,322,000	625
Additional noninterest expense	$5,092,000	949
Pre-tax net operating income	$3,230,000	2,325
Securities gains (losses)	$727,000	338
Applicable income taxes	$1,228,000	2,033
Income before extraordinary items	$2,729,000	1,930
Extraordinary gains, net	$0	44
Net income	$2,729,000	1,930
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-38,000	10,438
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$2,227,370	2,287
1996-12-31 (YTD Data)		Rank
Total interest income	$36,525,000	961
Total interest expense	$21,038,000	807
Net interest income	$15,487,000	1,170
Provision for loan and lease losses	$450,000	1,887
Total noninterest income	$2,734,000	1,456
Gross Fiduciary activities income	$0	1,526
Service charges on deposit accounts	$602,000	2,255
Trading account gains and fees	$0	262
Additional Noninterest Income	$2,132,000	1,107
Total noninterest expense	$16,203,000	944
Salaries and employee benefits	$7,654,000	889
Premises and equipment expense	$3,002,000	737
Additional noninterest expense	$5,547,000	1,043
Pre-tax net operating income	$1,568,000	4,183
Securities gains (losses)	$568,000	385
Applicable income taxes	$439,000	4,584
Income before extraordinary items	$1,697,000	2,860
Extraordinary gains, net	$0	53
Net income	$1,697,000	2,861
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$255,000	2,321
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$1,248,280	3,701
1995-12-31 (YTD Data)		Rank
Total interest income	$33,973,000	1,040
Total interest expense	$18,774,000	930
Net interest income	$15,199,000	1,188
Provision for loan and lease losses	$100,000	4,579
Total noninterest income	$2,451,000	1,571
Gross Fiduciary activities income	$0	1,590
Service charges on deposit accounts	$592,000	2,295
Trading account gains and fees	$0	522
Additional Noninterest Income	$1,859,000	1,183
Total noninterest expense	$13,868,000	1,082
Salaries and employee benefits	$6,674,000	1,034
Premises and equipment expense	$2,187,000	980
Additional noninterest expense	$5,007,000	1,123
Pre-tax net operating income	$3,682,000	2,001
Securities gains (losses)	$932,000	234
Applicable income taxes	$1,661,000	1,500
Income before extraordinary items	$2,953,000	1,711
Extraordinary gains, net	$0	65
Net income	$2,953,000	1,710
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$156,000	2,942
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$15,000	741
Net operating income	$2,356,520	2,114
1994-12-31 (YTD Data)		Rank
Total interest income	$26,835,000	1,166
Total interest expense	$12,562,000	1,053
Net interest income	$14,273,000	1,272
Provision for loan and lease losses	$0	9,146
Total noninterest income	$2,377,000	1,620
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$569,000	2,388
Trading account gains and fees	$0	475
Additional Noninterest Income	$1,808,000	1,212
Total noninterest expense	$13,619,000	1,101
Salaries and employee benefits	$6,910,000	990
Premises and equipment expense	$1,924,000	1,101
Additional noninterest expense	$4,785,000	1,218
Pre-tax net operating income	$3,031,000	2,348
Securities gains (losses)	$-885,000	12,381
Applicable income taxes	$-148,000	12,352
Income before extraordinary items	$2,294,000	2,123
Extraordinary gains, net	$0	249
Net income	$2,294,000	2,121
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$40,000	5,521
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$100,000	806
Net operating income	$3,179,000	1,559
1993-12-31 (YTD Data)		Rank
Total interest income	$25,886,000	1,233
Total interest expense	$12,111,000	1,116
Net interest income	$13,775,000	1,310
Provision for loan and lease losses	$0	10,371
Total noninterest income	$5,014,000	978
Gross Fiduciary activities income	$0	1,630
Service charges on deposit accounts	$491,000	2,845
Trading account gains and fees	$0	532
Additional Noninterest Income	$4,523,000	731
Total noninterest expense	$13,023,000	1,190
Salaries and employee benefits	$6,514,000	1,056
Premises and equipment expense	$1,472,000	1,446
Additional noninterest expense	$5,037,000	1,269
Pre-tax net operating income	$5,766,000	1,209
Securities gains (losses)	$-135,000	13,199
Applicable income taxes	$2,078,000	1,167
Income before extraordinary items	$3,553,000	1,432
Extraordinary gains, net	$1,884,000	136
Net income	$5,437,000	986
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$396,000	2,067
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$3,639,400	1,314
1992-12-31 (YTD Data)		Rank
Total interest income	$29,705,000	1,236
Total interest expense	$15,404,000	1,158
Net interest income	$14,301,000	1,301
Provision for loan and lease losses	$0	11,756
Total noninterest income	$2,537,000	1,634
Gross Fiduciary activities income	$0	1,658
Service charges on deposit accounts	$426,000	3,267
Trading account gains and fees	$0	504
Additional Noninterest Income	$2,111,000	1,196
Total noninterest expense	$12,438,000	1,273
Salaries and employee benefits	$5,762,000	1,157
Premises and equipment expense	$1,284,000	1,657
Additional noninterest expense	$5,392,000	1,230
Pre-tax net operating income	$4,400,000	1,445
Securities gains (losses)	$282,000	1,595
Applicable income taxes	$809,000	2,586
Income before extraordinary items	$3,873,000	1,208
Extraordinary gains, net	$0	1,422
Net income	$3,873,000	1,212
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,859,000	1,006
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$3,638,940	1,184

* 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.