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The Braintree Savings Bank, Income and Expense

1996-12-31 (YTD Data)Rank
Total interest income$38,413,000910
Total interest expense$17,059,000972
Net interest income$21,354,000871
Provision for loan and lease losses$750,0001,257
Total noninterest income$2,199,0001,701
Gross Fiduciary activities income$378,000791
Service charges on deposit accounts$1,247,0001,049
Trading account gains and fees$0262
Additional Noninterest Income$574,0002,643
Total noninterest expense$14,408,0001,044
Salaries and employee benefits$5,266,0001,277
Premises and equipment expense$1,472,0001,382
Additional noninterest expense$7,670,000834
Pre-tax net operating income$8,395,000914
Securities gains (losses)$60,0001,226
Applicable income taxes$3,301,000804
Income before extraordinary items$5,154,0001,020
Extraordinary gains, net$053
Net income$5,154,0001,021
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,232,000782
Cash dividends$5,052,000657
Sale, conversion, retirement of capital stock, net$0953
Net operating income$5,115,6001,007
1995-12-31 (YTD Data)Rank
Total interest income$17,818,0001,906
Total interest expense$7,196,0002,152
Net interest income$10,622,0001,683
Provision for loan and lease losses$925,000998
Total noninterest income$1,349,0002,470
Gross Fiduciary activities income$305,000892
Service charges on deposit accounts$572,0002,369
Trading account gains and fees$0522
Additional Noninterest Income$472,0002,984
Total noninterest expense$7,805,0001,792
Salaries and employee benefits$3,023,0002,197
Premises and equipment expense$596,0003,218
Additional noninterest expense$4,186,0001,288
Pre-tax net operating income$3,241,0002,285
Securities gains (losses)$379,000425
Applicable income taxes$1,187,0002,049
Income before extraordinary items$2,433,0002,074
Extraordinary gains, net$065
Net income$2,433,0002,072
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$262,0002,121
Cash dividends$634,0002,825
Sale, conversion, retirement of capital stock, net$165,000504
Net operating income$2,179,0702,293
1994-12-31 (YTD Data)Rank
Total interest income$12,969,0002,347
Total interest expense$4,854,0002,531
Net interest income$8,115,0002,223
Provision for loan and lease losses$1,000,000922
Total noninterest income$1,465,0002,346
Gross Fiduciary activities income$259,000955
Service charges on deposit accounts$527,0002,585
Trading account gains and fees$0475
Additional Noninterest Income$679,0002,382
Total noninterest expense$5,770,0002,439
Salaries and employee benefits$2,541,0002,621
Premises and equipment expense$654,0003,007
Additional noninterest expense$2,575,0002,086
Pre-tax net operating income$2,810,0002,519
Securities gains (losses)$63,0001,013
Applicable income taxes$411,0004,674
Income before extraordinary items$2,462,0001,987
Extraordinary gains, net$0249
Net income$2,462,0001,986
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$840,000985
Cash dividends$377,0003,887
Sale, conversion, retirement of capital stock, net$34,000953
Net operating income$2,407,8202,042
1993-12-31 (YTD Data)Rank
Total interest income$12,781,0002,413
Total interest expense$5,291,0002,446
Net interest income$7,490,0002,390
Provision for loan and lease losses$1,000,0001,300
Total noninterest income$1,780,0002,135
Gross Fiduciary activities income$280,000963
Service charges on deposit accounts$536,0002,591
Trading account gains and fees$0532
Additional Noninterest Income$964,0002,080
Total noninterest expense$5,540,0002,583
Salaries and employee benefits$2,069,0003,174
Premises and equipment expense$617,0003,238
Additional noninterest expense$2,854,0001,990
Pre-tax net operating income$2,730,0002,510
Securities gains (losses)$106,0002,422
Applicable income taxes$283,0006,296
Income before extraordinary items$2,553,0001,958
Extraordinary gains, net$03,149
Net income$2,553,0002,028
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,254,000977
Cash dividends$141,0006,237
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$2,457,6001,911
1992-12-31 (YTD Data)Rank
Total interest income$13,507,0002,616
Total interest expense$6,685,0002,527
Net interest income$6,822,0002,668
Provision for loan and lease losses$1,000,0001,834
Total noninterest income$1,810,0002,073
Gross Fiduciary activities income$240,0001,035
Service charges on deposit accounts$478,0002,913
Trading account gains and fees$0504
Additional Noninterest Income$1,092,0001,880
Total noninterest expense$5,516,0002,620
Salaries and employee benefits$1,837,0003,481
Premises and equipment expense$471,0004,188
Additional noninterest expense$3,208,0001,892
Pre-tax net operating income$2,116,0002,944
Securities gains (losses)$140,0002,505
Applicable income taxes$45,00011,390
Income before extraordinary items$2,211,0002,080
Extraordinary gains, net$01,422
Net income$2,211,0002,105
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,151,0001,427
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$2,073,8002,024

* 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.