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Chemical Bank Key State, Income and Expense

2000-12-31 (YTD Data)Rank
Total interest income$10,065,0003,370
Total interest expense$4,415,0003,681
Net interest income$5,650,0003,115
Provision for loan and lease losses$9,0008,034
Total noninterest income$1,213,0002,736
Gross Fiduciary activities income$01,332
Service charges on deposit accounts$478,0002,802
Trading account gains and fees$0180
Additional Noninterest Income$735,0002,275
Total noninterest expense$4,537,0002,971
Salaries and employee benefits$2,398,0002,948
Premises and equipment expense$749,0002,727
Additional noninterest expense$1,390,0003,008
Pre-tax net operating income$2,317,0002,952
Securities gains (losses)$1,0001,732
Applicable income taxes$712,0002,746
Income before extraordinary items$1,606,0003,075
Extraordinary gains, net$038
Net income$1,606,0003,073
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$66,0004,301
Cash dividends$3,875,000778
Sale, conversion, retirement of capital stock, net$0969
Net operating income$1,605,3103,073
1999-12-31 (YTD Data)Rank
Total interest income$9,685,0003,311
Total interest expense$3,720,0003,822
Net interest income$5,965,0002,946
Provision for loan and lease losses$6,0008,268
Total noninterest income$1,116,0002,855
Gross Fiduciary activities income$01,380
Service charges on deposit accounts$431,0003,015
Trading account gains and fees$0173
Additional Noninterest Income$685,0002,417
Total noninterest expense$4,270,0003,117
Salaries and employee benefits$2,410,0002,906
Premises and equipment expense$685,0002,918
Additional noninterest expense$1,175,0003,499
Pre-tax net operating income$2,805,0002,546
Securities gains (losses)$3,0002,393
Applicable income taxes$861,0002,477
Income before extraordinary items$1,947,0002,647
Extraordinary gains, net$035
Net income$1,947,0002,647
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-6,0009,262
Cash dividends$6,405,000556
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$1,944,9302,623
1998-12-31 (YTD Data)Rank
Total interest income$10,046,0003,220
Total interest expense$3,891,0003,782
Net interest income$6,155,0002,790
Provision for loan and lease losses$115,0004,832
Total noninterest income$1,112,0002,855
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$406,0003,098
Trading account gains and fees$0224
Additional Noninterest Income$706,0002,370
Total noninterest expense$4,339,0002,992
Salaries and employee benefits$2,441,0002,785
Premises and equipment expense$703,0002,758
Additional noninterest expense$1,195,0003,386
Pre-tax net operating income$2,813,0002,517
Securities gains (losses)$04,449
Applicable income taxes$847,0002,604
Income before extraordinary items$1,966,0002,593
Extraordinary gains, net$032
Net income$1,966,0002,594
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-4,0009,354
Cash dividends$930,0002,352
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$1,966,0002,519
1997-12-31 (YTD Data)Rank
Total interest income$10,082,0003,210
Total interest expense$3,996,0003,678
Net interest income$6,086,0002,865
Provision for loan and lease losses$230,0003,146
Total noninterest income$1,137,0002,748
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$387,0003,314
Trading account gains and fees$0239
Additional Noninterest Income$750,0002,116
Total noninterest expense$4,344,0002,926
Salaries and employee benefits$2,374,0002,787
Premises and equipment expense$717,0002,679
Additional noninterest expense$1,253,0003,228
Pre-tax net operating income$2,649,0002,773
Securities gains (losses)$03,944
Applicable income taxes$769,0003,016
Income before extraordinary items$1,880,0002,728
Extraordinary gains, net$044
Net income$1,880,0002,727
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-57,00010,577
Cash dividends$739,0002,697
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$1,880,0002,672
1996-12-31 (YTD Data)Rank
Total interest income$10,267,0003,201
Total interest expense$4,092,0003,632
Net interest income$6,175,0002,877
Provision for loan and lease losses$335,0002,387
Total noninterest income$856,0003,512
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$447,0003,028
Trading account gains and fees$0262
Additional Noninterest Income$409,0003,364
Total noninterest expense$4,598,0002,957
Salaries and employee benefits$2,516,0002,685
Premises and equipment expense$782,0002,504
Additional noninterest expense$1,300,0003,530
Pre-tax net operating income$2,098,0003,283
Securities gains (losses)$14,0002,256
Applicable income taxes$558,0003,794
Income before extraordinary items$1,554,0003,092
Extraordinary gains, net$053
Net income$1,554,0003,094
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$172,0002,928
Cash dividends$346,0004,231
Sale, conversion, retirement of capital stock, net$0953
Net operating income$1,543,6403,071
1995-12-31 (YTD Data)Rank
Total interest income$10,697,0003,098
Total interest expense$4,310,0003,459
Net interest income$6,387,0002,797
Provision for loan and lease losses$270,0002,431
Total noninterest income$866,0003,462
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$460,0002,947
Trading account gains and fees$0522
Additional Noninterest Income$406,0003,287
Total noninterest expense$4,612,0002,917
Salaries and employee benefits$2,547,0002,631
Premises and equipment expense$740,0002,663
Additional noninterest expense$1,325,0003,441
Pre-tax net operating income$2,371,0003,001
Securities gains (losses)$03,831
Applicable income taxes$639,0003,500
Income before extraordinary items$1,732,0002,851
Extraordinary gains, net$065
Net income$1,732,0002,849
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$364,0001,706
Cash dividends$328,0004,319
Sale, conversion, retirement of capital stock, net$0809
Net operating income$1,732,0002,807
1994-12-31 (YTD Data)Rank
Total interest income$10,820,0002,813
Total interest expense$4,017,0003,045
Net interest income$6,803,0002,656
Provision for loan and lease losses$240,0002,662
Total noninterest income$798,0003,733
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$504,0002,719
Trading account gains and fees$0475
Additional Noninterest Income$294,0004,137
Total noninterest expense$5,178,0002,680
Salaries and employee benefits$2,577,0002,586
Premises and equipment expense$910,0002,218
Additional noninterest expense$1,691,0002,992
Pre-tax net operating income$2,183,0003,198
Securities gains (losses)$03,600
Applicable income taxes$552,0003,757
Income before extraordinary items$1,631,0002,949
Extraordinary gains, net$0249
Net income$1,631,0002,955
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$296,0001,917
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,631,0002,971
1993-12-31 (YTD Data)Rank
Total interest income$11,644,0002,660
Total interest expense$4,726,0002,725
Net interest income$6,918,0002,611
Provision for loan and lease losses$264,0003,274
Total noninterest income$1,168,0002,962
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$505,0002,768
Trading account gains and fees$0532
Additional Noninterest Income$663,0002,692
Total noninterest expense$6,181,0002,327
Salaries and employee benefits$2,994,0002,219
Premises and equipment expense$888,0002,303
Additional noninterest expense$2,299,0002,415
Pre-tax net operating income$1,641,0003,987
Securities gains (losses)$1,0007,052
Applicable income taxes$460,0004,509
Income before extraordinary items$1,182,0004,073
Extraordinary gains, net$03,149
Net income$1,182,0004,177
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$426,0001,976
Cash dividends$250,0004,831
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$1,181,2803,878
1992-12-31 (YTD Data)Rank
Total interest income$13,285,0002,654
Total interest expense$5,957,0002,798
Net interest income$7,328,0002,481
Provision for loan and lease losses$725,0002,306
Total noninterest income$866,0003,734
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$533,0002,584
Trading account gains and fees$0504
Additional Noninterest Income$333,0004,150
Total noninterest expense$5,389,0002,677
Salaries and employee benefits$2,514,0002,584
Premises and equipment expense$985,0002,119
Additional noninterest expense$1,890,0002,936
Pre-tax net operating income$2,080,0002,996
Securities gains (losses)$32,0004,877
Applicable income taxes$550,0003,685
Income before extraordinary items$1,562,0002,949
Extraordinary gains, net$01,422
Net income$1,562,0002,982
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$412,0002,776
Cash dividends$333,0003,770
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$1,538,3202,782

* 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.