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Hudson River Commercial Bank, Income and Expense

2004-12-31 (YTD Data)Rank
Total interest income$1,135,0008,276
Total interest expense$399,0007,699
Net interest income$736,0008,391
Provision for loan and lease losses$07,314
Total noninterest income$08,923
Gross Fiduciary activities income$01,582
Service charges on deposit accounts$07,912
Trading account gains and fees$0138
Additional Noninterest Income$08,822
Total noninterest expense$153,0008,945
Salaries and employee benefits$08,955
Premises and equipment expense$08,943
Additional noninterest expense$153,0008,576
Pre-tax net operating income$583,0006,438
Securities gains (losses)$03,819
Applicable income taxes$195,0004,786
Income before extraordinary items$388,0006,840
Extraordinary gains, net$034
Net income$388,0006,842
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,973
Cash dividends$06,149
Sale, conversion, retirement of capital stock, net$0872
Net operating income$388,0006,773
2004-09-30 (YTD Data)Rank
Total interest income$847,0008,326
Total interest expense$291,0007,756
Net interest income$556,0008,422
Provision for loan and lease losses$07,100
Total noninterest income$08,980
Gross Fiduciary activities income$01,547
Service charges on deposit accounts$07,933
Trading account gains and fees$0134
Additional Noninterest Income$08,890
Total noninterest expense$115,0008,994
Salaries and employee benefits$09,000
Premises and equipment expense$08,990
Additional noninterest expense$115,0008,586
Pre-tax net operating income$441,0006,574
Securities gains (losses)$03,710
Applicable income taxes$148,0004,870
Income before extraordinary items$293,0006,941
Extraordinary gains, net$026
Net income$293,0006,942
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,496
Cash dividends$05,363
Sale, conversion, retirement of capital stock, net$0738
Net operating income$293,0006,872
2004-06-30 (YTD Data)Rank
Total interest income$541,0008,426
Total interest expense$183,0007,905
Net interest income$358,0008,509
Provision for loan and lease losses$06,885
Total noninterest income$09,031
Gross Fiduciary activities income$01,518
Service charges on deposit accounts$07,979
Trading account gains and fees$0130
Additional Noninterest Income$08,943
Total noninterest expense$76,0009,054
Salaries and employee benefits$09,056
Premises and equipment expense$09,049
Additional noninterest expense$76,0008,639
Pre-tax net operating income$282,0006,614
Securities gains (losses)$03,413
Applicable income taxes$95,0004,911
Income before extraordinary items$187,0007,010
Extraordinary gains, net$021
Net income$187,0007,010
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,017
Cash dividends$05,087
Sale, conversion, retirement of capital stock, net$0638
Net operating income$187,0006,939
2004-03-31 (YTD Data)Rank
Total interest income$273,0008,463
Total interest expense$97,0007,890
Net interest income$176,0008,558
Provision for loan and lease losses$06,501
Total noninterest income$09,051
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$07,976
Trading account gains and fees$0121
Additional Noninterest Income$08,950
Total noninterest expense$37,0009,093
Salaries and employee benefits$09,095
Premises and equipment expense$09,081
Additional noninterest expense$37,0008,708
Pre-tax net operating income$139,0006,590
Securities gains (losses)$02,934
Applicable income taxes$47,0004,925
Income before extraordinary items$92,0007,028
Extraordinary gains, net$016
Net income$92,0007,030
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,097
Cash dividends$03,841
Sale, conversion, retirement of capital stock, net$0464
Net operating income$92,0006,942
2003-12-31 (YTD Data)Rank
Total interest income$798,0008,756
Total interest expense$377,0008,185
Net interest income$421,0008,876
Provision for loan and lease losses$07,651
Total noninterest income$09,134
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$08,063
Trading account gains and fees$0160
Additional Noninterest Income$09,041
Total noninterest expense$172,0009,140
Salaries and employee benefits$09,160
Premises and equipment expense$09,148
Additional noninterest expense$172,0008,618
Pre-tax net operating income$249,0007,644
Securities gains (losses)$04,500
Applicable income taxes$95,0005,773
Income before extraordinary items$154,0007,984
Extraordinary gains, net$054
Net income$154,0007,986
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,416
Cash dividends$06,283
Sale, conversion, retirement of capital stock, net$1,000,000414
Net operating income$154,0007,867
2003-09-30 (YTD Data)Rank
Total interest income$585,0008,847
Total interest expense$297,0008,255
Net interest income$288,0008,999
Provision for loan and lease losses$07,481
Total noninterest income$09,186
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$08,111
Trading account gains and fees$0153
Additional Noninterest Income$09,106
Total noninterest expense$133,0009,197
Salaries and employee benefits$09,215
Premises and equipment expense$09,202
Additional noninterest expense$133,0008,600
Pre-tax net operating income$155,0007,945
Securities gains (losses)$04,204
Applicable income taxes$64,0006,006
Income before extraordinary items$91,0008,277
Extraordinary gains, net$040
Net income$91,0008,279
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,967
Cash dividends$05,519
Sale, conversion, retirement of capital stock, net$1,000,000304
Net operating income$91,0008,151
2003-06-30 (YTD Data)Rank
Total interest income$429,0008,835
Total interest expense$222,0008,192
Net interest income$207,0009,001
Provision for loan and lease losses$07,324
Total noninterest income$09,217
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$08,133
Trading account gains and fees$0150
Additional Noninterest Income$09,111
Total noninterest expense$93,0009,222
Salaries and employee benefits$09,245
Premises and equipment expense$09,227
Additional noninterest expense$93,0008,550
Pre-tax net operating income$114,0007,888
Securities gains (losses)$03,782
Applicable income taxes$50,0005,908
Income before extraordinary items$64,0008,295
Extraordinary gains, net$030
Net income$64,0008,296
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$06,535
Cash dividends$05,215
Sale, conversion, retirement of capital stock, net$1,000,000202
Net operating income$64,0008,158
2003-03-31 (YTD Data)Rank
Total interest income$230,0008,843
Total interest expense$120,0008,181
Net interest income$110,0009,029
Provision for loan and lease losses$06,934
Total noninterest income$09,248
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$08,142
Trading account gains and fees$0134
Additional Noninterest Income$09,145
Total noninterest expense$56,0009,251
Salaries and employee benefits$09,285
Premises and equipment expense$09,263
Additional noninterest expense$56,0008,321
Pre-tax net operating income$54,0007,928
Securities gains (losses)$02,891
Applicable income taxes$30,0005,719
Income before extraordinary items$24,0008,404
Extraordinary gains, net$021
Net income$24,0008,402
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,539
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$0419
Net operating income$24,0008,279
2002-12-31 (YTD Data)Rank
Total interest income$28,0009,340
Total interest expense$2,0009,331
Net interest income$26,0009,330
Provision for loan and lease losses$08,089
Total noninterest income$09,294
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$08,205
Trading account gains and fees$0153
Additional Noninterest Income$09,201
Total noninterest expense$09,351
Salaries and employee benefits$09,330
Premises and equipment expense$09,317
Additional noninterest expense$09,348
Pre-tax net operating income$26,0008,552
Securities gains (losses)$04,537
Applicable income taxes$07,681
Income before extraordinary items$26,0008,644
Extraordinary gains, net$070
Net income$26,0008,646
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$07,632
Cash dividends$06,377
Sale, conversion, retirement of capital stock, net$2,000,000287
Net operating income$26,0008,561

* 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.