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Caroline Savings Bank, Income and Expense

2001-12-31 (YTD Data)		Rank
Total interest income	$3,332,000	6,907
Total interest expense	$1,662,000	6,669
Net interest income	$1,670,000	7,028
Provision for loan and lease losses	$84,000	5,921
Total noninterest income	$569,000	4,729
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$258,000	4,566
Trading account gains and fees	$0	177
Additional Noninterest Income	$311,000	4,037
Total noninterest expense	$1,715,000	6,306
Salaries and employee benefits	$986,000	6,035
Premises and equipment expense	$229,000	6,372
Additional noninterest expense	$500,000	6,439
Pre-tax net operating income	$440,000	6,793
Securities gains (losses)	$49,000	2,369
Applicable income taxes	$190,000	5,119
Income before extraordinary items	$299,000	7,155
Extraordinary gains, net	$0	105
Net income	$299,000	7,156
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$35,000	5,628
Cash dividends	$500,000	3,435
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$267,640	7,213
2000-12-31 (YTD Data)		Rank
Total interest income	$3,500,000	6,933
Total interest expense	$1,772,000	6,650
Net interest income	$1,728,000	7,056
Provision for loan and lease losses	$30,000	7,204
Total noninterest income	$269,000	6,579
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$234,000	4,694
Trading account gains and fees	NA	NA
Additional Noninterest Income	$35,000	8,337
Total noninterest expense	$1,572,000	6,556
Salaries and employee benefits	$853,000	6,492
Premises and equipment expense	$220,000	6,456
Additional noninterest expense	$499,000	6,439
Pre-tax net operating income	$395,000	7,496
Securities gains (losses)	$63,000	666
Applicable income taxes	$187,000	5,525
Income before extraordinary items	$271,000	7,647
Extraordinary gains, net	$0	38
Net income	$271,000	7,648
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$35,000	5,272
Cash dividends	$200,000	5,103
Sale, conversion, retirement of capital stock, net	$-13,000	9,742
Net operating income	$230,680	7,895
1999-12-31 (YTD Data)		Rank
Total interest income	$3,728,000	6,586
Total interest expense	$1,823,000	6,312
Net interest income	$1,905,000	6,819
Provision for loan and lease losses	$163,000	4,075
Total noninterest income	$272,000	6,701
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$191,000	5,239
Trading account gains and fees	NA	NA
Additional Noninterest Income	$81,000	7,121
Total noninterest expense	$1,691,000	6,318
Salaries and employee benefits	$801,000	6,748
Premises and equipment expense	$157,000	7,549
Additional noninterest expense	$733,000	5,089
Pre-tax net operating income	$323,000	7,964
Securities gains (losses)	$3,000	2,393
Applicable income taxes	$190,000	5,810
Income before extraordinary items	$136,000	8,740
Extraordinary gains, net	$0	35
Net income	$136,000	8,737
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$75,000	4,097
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$-6,000	10,052
Net operating income	$134,080	8,712
1998-12-31 (YTD Data)		Rank
Total interest income	$3,757,000	6,700
Total interest expense	$1,786,000	6,576
Net interest income	$1,971,000	6,720
Provision for loan and lease losses	$84,000	5,485
Total noninterest income	$232,000	7,193
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$155,000	5,840
Trading account gains and fees	NA	NA
Additional Noninterest Income	$77,000	7,275
Total noninterest expense	$1,634,000	6,351
Salaries and employee benefits	$747,000	6,938
Premises and equipment expense	$154,000	7,558
Additional noninterest expense	$733,000	4,982
Pre-tax net operating income	$485,000	7,452
Securities gains (losses)	$72,000	1,484
Applicable income taxes	$201,000	6,170
Income before extraordinary items	$356,000	7,502
Extraordinary gains, net	$0	32
Net income	$356,000	7,501
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$34,000	5,584
Cash dividends	$4,000	7,440
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$309,920	7,728
1997-12-31 (YTD Data)		Rank
Total interest income	$3,510,000	7,146
Total interest expense	$1,751,000	6,774
Net interest income	$1,759,000	7,409
Provision for loan and lease losses	$60,000	6,153
Total noninterest income	$210,000	7,712
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$123,000	6,696
Trading account gains and fees	NA	NA
Additional Noninterest Income	$87,000	7,166
Total noninterest expense	$1,449,000	6,916
Salaries and employee benefits	$714,000	7,241
Premises and equipment expense	$180,000	7,193
Additional noninterest expense	$555,000	6,090
Pre-tax net operating income	$460,000	8,142
Securities gains (losses)	$-2,000	9,246
Applicable income taxes	$164,000	7,403
Income before extraordinary items	$294,000	8,424
Extraordinary gains, net	$0	44
Net income	$294,000	8,425
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	7,011
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$295,280	8,371
1996-12-31 (YTD Data)		Rank
Total interest income	$3,224,000	7,698
Total interest expense	$1,694,000	7,100
Net interest income	$1,530,000	8,194
Provision for loan and lease losses	$48,000	6,700
Total noninterest income	$122,000	9,497
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$72,000	8,218
Trading account gains and fees	NA	NA
Additional Noninterest Income	$50,000	8,888
Total noninterest expense	$1,583,000	6,883
Salaries and employee benefits	$672,000	7,705
Premises and equipment expense	$128,000	8,584
Additional noninterest expense	$783,000	5,288
Pre-tax net operating income	$21,000	10,706
Securities gains (losses)	$7,000	2,762
Applicable income taxes	$3,000	10,490
Income before extraordinary items	$25,000	10,714
Extraordinary gains, net	$0	53
Net income	$25,000	10,710
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$40,000	5,716
Cash dividends	$48,000	7,596
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$18,770	10,694
1995-12-31 (YTD Data)		Rank
Total interest income	$3,192,000	7,939
Total interest expense	$1,659,000	7,246
Net interest income	$1,533,000	8,445
Provision for loan and lease losses	$43,000	6,516
Total noninterest income	$87,000	10,576
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$55,000	9,088
Trading account gains and fees	NA	NA
Additional Noninterest Income	$32,000	10,138
Total noninterest expense	$979,000	9,043
Salaries and employee benefits	$469,000	9,368
Premises and equipment expense	$56,000	10,906
Additional noninterest expense	$454,000	7,674
Pre-tax net operating income	$598,000	7,876
Securities gains (losses)	$0	3,831
Applicable income taxes	$213,000	7,202
Income before extraordinary items	$385,000	8,196
Extraordinary gains, net	$0	65
Net income	$385,000	8,196
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	8,320
Cash dividends	$32,000	8,141
Sale, conversion, retirement of capital stock, net	$691,000	343
Net operating income	$385,000	8,165
1994-12-31 (YTD Data)		Rank
Total interest income	$2,755,000	8,453
Total interest expense	$1,385,000	7,252
Net interest income	$1,370,000	9,249
Provision for loan and lease losses	$24,000	7,499
Total noninterest income	$70,000	11,488
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$39,000	10,069
Trading account gains and fees	NA	NA
Additional Noninterest Income	$31,000	10,719
Total noninterest expense	$852,000	9,992
Salaries and employee benefits	$361,000	10,636
Premises and equipment expense	$59,000	11,335
Additional noninterest expense	$432,000	8,508
Pre-tax net operating income	$564,000	8,220
Securities gains (losses)	$-5,000	9,408
Applicable income taxes	$198,000	7,372
Income before extraordinary items	$361,000	8,541
Extraordinary gains, net	$0	249
Net income	$361,000	8,546
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	7,569
Cash dividends	$26,000	8,448
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$364,250	8,559
1993-12-31 (YTD Data)		Rank
Total interest income	$2,571,000	9,058
Total interest expense	$1,440,000	7,406
Net interest income	$1,131,000	10,293
Provision for loan and lease losses	$24,000	8,778
Total noninterest income	$191,000	9,391
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$191,000	5,807
Total noninterest expense	$738,000	10,976
Salaries and employee benefits	$373,000	10,905
Premises and equipment expense	$148,000	8,964
Additional noninterest expense	$217,000	11,505
Pre-tax net operating income	$560,000	8,226
Securities gains (losses)	$3,000	6,505
Applicable income taxes	$201,000	7,594
Income before extraordinary items	$362,000	8,816
Extraordinary gains, net	$0	3,149
Net income	$362,000	8,983
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	11,177
Cash dividends	$22,000	8,642
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$360,080	8,567
1992-12-31 (YTD Data)		Rank
Total interest income	$2,792,000	9,344
Total interest expense	$1,608,000	8,175
Net interest income	$1,184,000	10,379
Provision for loan and lease losses	$25,000	10,242
Total noninterest income	$145,000	10,591
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$145,000	6,767
Total noninterest expense	$697,000	11,533
Salaries and employee benefits	$348,000	11,460
Premises and equipment expense	$131,000	9,652
Additional noninterest expense	$218,000	11,987
Pre-tax net operating income	$607,000	7,660
Securities gains (losses)	$5,000	7,049
Applicable income taxes	$208,000	7,402
Income before extraordinary items	$404,000	8,171
Extraordinary gains, net	$0	1,422
Net income	$404,000	8,297
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	10,714
Cash dividends	$44,000	7,892
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$400,700	7,856

* 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.