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Bank of Commerce, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$11,585,0002,787
Total interest expense$5,072,0002,962
Net interest income$6,513,0002,624
Provision for loan and lease losses$375,0002,169
Total noninterest income$1,473,0002,294
Gross Fiduciary activities income$698,000543
Service charges on deposit accounts$623,0002,057
Trading account gains and fees$0224
Additional Noninterest Income$152,0005,647
Total noninterest expense$5,595,0002,343
Salaries and employee benefits$2,862,0002,359
Premises and equipment expense$1,085,0001,815
Additional noninterest expense$1,648,0002,539
Pre-tax net operating income$2,016,0003,323
Securities gains (losses)$503,000556
Applicable income taxes$788,0002,777
Income before extraordinary items$1,731,0002,885
Extraordinary gains, net$032
Net income$1,731,0002,886
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$259,0002,056
Cash dividends$259,0004,884
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$1,383,9303,382
1997-12-31 (YTD Data)Rank
Total interest income$9,716,0003,328
Total interest expense$4,088,0003,593
Net interest income$5,628,0003,104
Provision for loan and lease losses$-159,00010,815
Total noninterest income$1,379,0002,360
Gross Fiduciary activities income$637,000585
Service charges on deposit accounts$602,0002,179
Trading account gains and fees$0239
Additional Noninterest Income$140,0005,875
Total noninterest expense$5,013,0002,560
Salaries and employee benefits$2,525,0002,613
Premises and equipment expense$829,0002,342
Additional noninterest expense$1,659,0002,485
Pre-tax net operating income$2,153,0003,308
Securities gains (losses)$03,944
Applicable income taxes$147,0007,658
Income before extraordinary items$2,006,0002,579
Extraordinary gains, net$044
Net income$2,006,0002,578
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-178,00010,805
Cash dividends$259,0004,874
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$2,006,0002,533
1996-12-31 (YTD Data)Rank
Total interest income$8,254,0003,915
Total interest expense$3,369,0004,331
Net interest income$4,885,0003,605
Provision for loan and lease losses$40,0006,972
Total noninterest income$1,364,0002,458
Gross Fiduciary activities income$573,000663
Service charges on deposit accounts$593,0002,290
Trading account gains and fees$0262
Additional Noninterest Income$198,0005,190
Total noninterest expense$4,761,0002,872
Salaries and employee benefits$2,456,0002,747
Premises and equipment expense$830,0002,367
Additional noninterest expense$1,475,0003,171
Pre-tax net operating income$1,448,0004,470
Securities gains (losses)$29,0001,716
Applicable income taxes$-65,00011,115
Income before extraordinary items$1,542,0003,115
Extraordinary gains, net$053
Net income$1,542,0003,116
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-5,00010,158
Cash dividends$172,0005,762
Sale, conversion, retirement of capital stock, net$0953
Net operating income$1,513,0003,124
1995-12-31 (YTD Data)Rank
Total interest income$7,415,0004,326
Total interest expense$2,767,0005,107
Net interest income$4,648,0003,778
Provision for loan and lease losses$-70,00011,644
Total noninterest income$1,216,0002,689
Gross Fiduciary activities income$504,000737
Service charges on deposit accounts$577,0002,341
Trading account gains and fees$0522
Additional Noninterest Income$135,0006,277
Total noninterest expense$4,589,0002,931
Salaries and employee benefits$2,198,0003,030
Premises and equipment expense$745,0002,654
Additional noninterest expense$1,646,0002,820
Pre-tax net operating income$1,345,0004,837
Securities gains (losses)$3,0003,092
Applicable income taxes$-246,00011,812
Income before extraordinary items$1,594,0003,068
Extraordinary gains, net$065
Net income$1,594,0003,064
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-75,00011,630
Cash dividends$86,0007,097
Sale, conversion, retirement of capital stock, net$0809
Net operating income$1,591,0003,048
1994-12-31 (YTD Data)Rank
Total interest income$6,005,0004,862
Total interest expense$1,915,0005,806
Net interest income$4,090,0004,289
Provision for loan and lease losses$-165,00012,286
Total noninterest income$1,096,0002,917
Gross Fiduciary activities income$415,000803
Service charges on deposit accounts$554,0002,457
Trading account gains and fees$0475
Additional Noninterest Income$127,0006,755
Total noninterest expense$4,450,0003,085
Salaries and employee benefits$1,956,0003,354
Premises and equipment expense$716,0002,778
Additional noninterest expense$1,778,0002,864
Pre-tax net operating income$901,0006,396
Securities gains (losses)$1,0003,293
Applicable income taxes$-60,00012,235
Income before extraordinary items$962,0004,661
Extraordinary gains, net$0249
Net income$962,0004,660
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-180,00012,390
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$961,0004,712
1993-12-31 (YTD Data)Rank
Total interest income$5,538,0005,303
Total interest expense$1,731,0006,534
Net interest income$3,807,0004,603
Provision for loan and lease losses$-57,00012,781
Total noninterest income$1,137,0003,038
Gross Fiduciary activities income$384,000853
Service charges on deposit accounts$619,0002,212
Trading account gains and fees$0532
Additional Noninterest Income$134,0006,930
Total noninterest expense$4,470,0003,135
Salaries and employee benefits$1,806,0003,602
Premises and equipment expense$707,0002,849
Additional noninterest expense$1,957,0002,783
Pre-tax net operating income$531,0008,444
Securities gains (losses)$79,0002,808
Applicable income taxes$-221,00013,049
Income before extraordinary items$831,0005,403
Extraordinary gains, net$03,149
Net income$831,0005,546
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-46,00012,622
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$752,0005,570
1992-12-31 (YTD Data)Rank
Total interest income$5,758,0005,683
Total interest expense$2,323,0006,351
Net interest income$3,435,0005,088
Provision for loan and lease losses$-85,00013,683
Total noninterest income$1,214,0002,839
Gross Fiduciary activities income$408,000835
Service charges on deposit accounts$593,0002,319
Trading account gains and fees$0504
Additional Noninterest Income$213,0005,460
Total noninterest expense$4,445,0003,196
Salaries and employee benefits$1,681,0003,811
Premises and equipment expense$666,0003,060
Additional noninterest expense$2,098,0002,687
Pre-tax net operating income$289,00010,244
Securities gains (losses)$18,0005,726
Applicable income taxes$4,00012,540
Income before extraordinary items$303,0009,276
Extraordinary gains, net$01,422
Net income$303,0009,410
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-46,00013,448
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$285,1809,107

* 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.