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Charter 1 Bank, Income and Expense

2003-03-31 (YTD Data)Rank
Total interest income$496,0007,755
Total interest expense$149,0007,778
Net interest income$347,0007,630
Provision for loan and lease losses$06,934
Total noninterest income$57,0007,118
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$39,0005,725
Trading account gains and fees$0134
Additional Noninterest Income$18,0007,075
Total noninterest expense$318,0007,376
Salaries and employee benefits$143,0007,841
Premises and equipment expense$38,0007,422
Additional noninterest expense$137,0006,250
Pre-tax net operating income$86,0007,426
Securities gains (losses)$02,891
Applicable income taxes$39,0005,433
Income before extraordinary items$47,0007,959
Extraordinary gains, net$021
Net income$47,0007,958
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$7,0004,268
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$0419
Net operating income$47,0007,808
2002-12-31 (YTD Data)Rank
Total interest income$436,0009,188
Total interest expense$152,0009,135
Net interest income$284,0009,190
Provision for loan and lease losses$6,0007,926
Total noninterest income$38,0009,053
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$27,0007,890
Trading account gains and fees$0153
Additional Noninterest Income$11,0008,861
Total noninterest expense$250,0009,278
Salaries and employee benefits$133,0009,261
Premises and equipment expense$37,0009,094
Additional noninterest expense$80,0009,234
Pre-tax net operating income$66,0008,415
Securities gains (losses)$04,537
Applicable income taxes$31,0006,824
Income before extraordinary items$35,0008,607
Extraordinary gains, net$070
Net income$35,0008,609
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$34,0005,760
Cash dividends$06,377
Sale, conversion, retirement of capital stock, net$0862
Net operating income$35,0008,526
2001-12-31 (YTD Data)Rank
Total interest income$2,924,0007,331
Total interest expense$1,383,0007,223
Net interest income$1,541,0007,255
Provision for loan and lease losses$24,0007,420
Total noninterest income$199,0007,320
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$131,0006,066
Trading account gains and fees$0177
Additional Noninterest Income$68,0007,169
Total noninterest expense$1,090,0007,719
Salaries and employee benefits$628,0007,542
Premises and equipment expense$155,0007,436
Additional noninterest expense$307,0007,799
Pre-tax net operating income$626,0006,078
Securities gains (losses)$04,612
Applicable income taxes$212,0004,928
Income before extraordinary items$414,0006,499
Extraordinary gains, net$0105
Net income$414,0006,502
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$36,0005,589
Cash dividends$06,617
Sale, conversion, retirement of capital stock, net$0922
Net operating income$414,0006,373
2000-12-31 (YTD Data)Rank
Total interest income$2,878,0007,538
Total interest expense$1,323,0007,531
Net interest income$1,555,0007,368
Provision for loan and lease losses$238,0003,398
Total noninterest income$185,0007,432
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$143,0005,872
Trading account gains and feesNANA
Additional Noninterest Income$42,0008,092
Total noninterest expense$1,060,0007,845
Salaries and employee benefits$581,0007,800
Premises and equipment expense$168,0007,276
Additional noninterest expense$311,0007,858
Pre-tax net operating income$442,0007,267
Securities gains (losses)$01,956
Applicable income taxes$149,0005,935
Income before extraordinary items$293,0007,519
Extraordinary gains, net$038
Net income$293,0007,518
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$62,0004,408
Cash dividends$115,0005,824
Sale, conversion, retirement of capital stock, net$0969
Net operating income$293,0007,519
1999-12-31 (YTD Data)Rank
Total interest income$2,434,0007,983
Total interest expense$1,095,0007,923
Net interest income$1,339,0007,895
Provision for loan and lease losses$24,0007,475
Total noninterest income$141,0008,223
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$111,0006,515
Trading account gains and feesNANA
Additional Noninterest Income$30,0008,834
Total noninterest expense$950,0008,268
Salaries and employee benefits$558,0007,988
Premises and equipment expense$168,0007,352
Additional noninterest expense$224,0008,803
Pre-tax net operating income$506,0007,116
Securities gains (losses)$03,155
Applicable income taxes$185,0005,870
Income before extraordinary items$321,0007,469
Extraordinary gains, net$035
Net income$321,0007,469
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,897
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$321,0007,440
1998-12-31 (YTD Data)Rank
Total interest income$2,244,0008,384
Total interest expense$1,039,0008,314
Net interest income$1,205,0008,321
Provision for loan and lease losses$24,0007,567
Total noninterest income$122,0008,661
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$93,0007,002
Trading account gains and feesNANA
Additional Noninterest Income$29,0009,064
Total noninterest expense$930,0008,339
Salaries and employee benefits$526,0008,193
Premises and equipment expense$148,0007,696
Additional noninterest expense$256,0008,548
Pre-tax net operating income$373,0008,020
Securities gains (losses)$04,449
Applicable income taxes$113,0007,340
Income before extraordinary items$260,0008,179
Extraordinary gains, net$032
Net income$260,0008,178
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,0007,720
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$260,0008,100
1997-12-31 (YTD Data)Rank
Total interest income$2,049,0008,951
Total interest expense$973,0008,762
Net interest income$1,076,0008,999
Provision for loan and lease losses$27,0007,550
Total noninterest income$108,0009,266
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$81,0007,630
Trading account gains and feesNANA
Additional Noninterest Income$27,0009,482
Total noninterest expense$901,0008,687
Salaries and employee benefits$492,0008,662
Premises and equipment expense$115,0008,614
Additional noninterest expense$294,0008,379
Pre-tax net operating income$256,0009,256
Securities gains (losses)$03,944
Applicable income taxes$18,0009,756
Income before extraordinary items$238,0008,849
Extraordinary gains, net$044
Net income$238,0008,854
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,0008,223
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$170,000698
Net operating income$238,0008,816
1996-12-31 (YTD Data)Rank
Total interest income$1,739,0009,750
Total interest expense$753,0009,795
Net interest income$986,0009,589
Provision for loan and lease losses$57,0006,361
Total noninterest income$106,0009,789
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$70,0008,274
Trading account gains and feesNANA
Additional Noninterest Income$36,0009,538
Total noninterest expense$602,00010,160
Salaries and employee benefits$331,00010,103
Premises and equipment expense$81,0009,791
Additional noninterest expense$190,00010,047
Pre-tax net operating income$433,0008,313
Securities gains (losses)$1,0003,760
Applicable income taxes$135,0008,126
Income before extraordinary items$299,0008,440
Extraordinary gains, net$053
Net income$299,0008,437
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$57,0005,045
Cash dividends$41,0007,688
Sale, conversion, retirement of capital stock, net$0953
Net operating income$298,3108,390
1995-12-31 (YTD Data)Rank
Total interest income$1,608,00010,334
Total interest expense$608,00010,638
Net interest income$1,000,0009,945
Provision for loan and lease losses$26,0007,298
Total noninterest income$103,00010,194
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$78,0008,360
Trading account gains and feesNANA
Additional Noninterest Income$25,00010,586
Total noninterest expense$549,00010,800
Salaries and employee benefits$293,00010,811
Premises and equipment expense$58,00010,852
Additional noninterest expense$198,00010,438
Pre-tax net operating income$528,0008,285
Securities gains (losses)$03,831
Applicable income taxes$195,0007,506
Income before extraordinary items$333,0008,629
Extraordinary gains, net$065
Net income$333,0008,633
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,0008,482
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$333,0008,598
1994-12-31 (YTD Data)Rank
Total interest income$1,410,00010,908
Total interest expense$520,00011,012
Net interest income$890,00010,751
Provision for loan and lease losses$26,0007,364
Total noninterest income$97,00010,821
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$79,0008,715
Trading account gains and feesNANA
Additional Noninterest Income$18,00011,564
Total noninterest expense$538,00011,419
Salaries and employee benefits$274,00011,444
Premises and equipment expense$58,00011,368
Additional noninterest expense$206,00011,069
Pre-tax net operating income$423,0009,177
Securities gains (losses)$03,600
Applicable income taxes$148,0008,343
Income before extraordinary items$275,0009,427
Extraordinary gains, net$0249
Net income$275,0009,432
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,0008,704
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$275,0009,478
1993-12-31 (YTD Data)Rank
Total interest income$1,208,00011,876
Total interest expense$448,00011,954
Net interest income$760,00011,666
Provision for loan and lease losses$24,0008,778
Total noninterest income$96,00011,420
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$82,0008,937
Trading account gains and feesNANA
Additional Noninterest Income$14,00012,477
Total noninterest expense$489,00012,226
Salaries and employee benefits$240,00012,283
Premises and equipment expense$56,00011,992
Additional noninterest expense$193,00011,831
Pre-tax net operating income$343,0009,870
Securities gains (losses)$07,477
Applicable income taxes$121,0009,285
Income before extraordinary items$222,00010,384
Extraordinary gains, net$03,149
Net income$222,00010,492
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$09,922
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$222,00010,141
1992-12-31 (YTD Data)Rank
Total interest income$1,222,00012,551
Total interest expense$522,00012,665
Net interest income$700,00012,316
Provision for loan and lease losses$24,00010,335
Total noninterest income$99,00011,759
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$81,0009,135
Trading account gains and feesNANA
Additional Noninterest Income$18,00012,735
Total noninterest expense$452,00012,890
Salaries and employee benefits$209,00013,061
Premises and equipment expense$55,00012,495
Additional noninterest expense$188,00012,408
Pre-tax net operating income$323,0009,920
Securities gains (losses)$08,369
Applicable income taxes$122,0009,301
Income before extraordinary items$201,00010,590
Extraordinary gains, net$01,422
Net income$201,00010,720
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$4,00010,608
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$201,00010,247

* 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.