• Annual Report 2003
• Annual Report 2002
• Annual Report 2001
• Annual Report 2000

Annual Report 2002

Section 1

2002 Performance Our Strategy Financial & Statistical Summary Corporate Profile Community Commitment Chairman's Letter to Shareholders President & Chief Executive Officer's Report Management's Analysis of Financial Condition & Review of Operations Review of Operations: Bermuda Review of Operations: Barbados Review of Operations: Cayman Islands Review of Operations: Guernsey Review of Operations: Hong Kong Review of Operations: United Kingdom A Capable and Motivated Team

Section 2

Financial Overview Selected Quarterly Results of Operations Five Years in Review Management's Financial Reporting Responsibility Auditors' Report to the Shareholders Consolidated Balance Sheet Consolidated Statement of Income Consolidated Statement of Changes in Shareholders Equity Consolidated Statement of Cash Flows Notes to Consolidated Financial Statements

Section 3

Directory Branches & Subsidiary Offices Principal Offices Front and Back Cover Pages

Annual Report 2001

Section 1

2001 Performance Financial & Statistical Summary Corporate Profile Invsting in communities where we work and live Chairman's Letter to the Shareholders President & Chief Executive Officer's Report Our Strategy Management's Analysis of Financial Condition & Review of Operations Review of Operations: Cayman Islands Review of Operations: Bermuda Review of Operations: Guernsey Review of Operations: Hong Kong Review of Operations: United Kingdom Our People Financial Overview Selected Quarterly Results of Operations

Section 2

Five Years in Review Management's Financial Reporting Principal Overseas Offices and SubsidiariesResponsibility Auditors' Report to the Shareholders Consolidated Balance Sheet Consolidated Statement of Income Consolidated Statement of Changes in Shareholders Equity Consolidated Statement of Cash Flows Notes to Consolidated Financial Statements

Section 3

Principal Bermuda Offices & Subsidiaries Principal Overseas Offices and Subsidiaries Principal Group Companies Management Management Committees Board of Directors & Principal Board Committees Glossary of Terms Front and Back Cover Pages/Shareholder Information

Note:
The materials that may be accessed under "Financial Information" speak only as of the particular date or dates indicated in those documents. The information in those documents may have become out of date. Butterfield Bank does not undertake any obligation to update any of the information in those documents. Butterfield Bank's financial performance is subject to risks and uncertainties. Actual results may differ materially from those included in these statements due to a variety of factors, including worldwide economic conditions, success in business retention and obtaining new business and other factors.