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Bank of Commerce, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$4,896,000	6,037
Total interest expense	$2,376,000	5,715
Net interest income	$2,520,000	6,161
Provision for loan and lease losses	$168,000	3,843
Total noninterest income	$347,000	6,469
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$132,000	6,812
Trading account gains and fees	NA	NA
Additional Noninterest Income	$215,000	4,984
Total noninterest expense	$2,007,000	5,936
Salaries and employee benefits	$1,081,000	5,654
Premises and equipment expense	$230,000	6,529
Additional noninterest expense	$696,000	5,768
Pre-tax net operating income	$692,000	6,967
Securities gains (losses)	$-6,000	10,029
Applicable income taxes	$227,000	6,744
Income before extraordinary items	$459,000	7,174
Extraordinary gains, net	$0	53
Net income	$459,000	7,177
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$74,000	4,511
Cash dividends	$75,000	7,116
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$463,020	7,096
1995-12-31 (YTD Data)		Rank
Total interest income	$4,427,000	6,534
Total interest expense	$2,033,000	6,389
Net interest income	$2,394,000	6,494
Provision for loan and lease losses	$65,000	5,556
Total noninterest income	$266,000	7,495
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$126,000	7,185
Trading account gains and fees	NA	NA
Additional Noninterest Income	$140,000	6,186
Total noninterest expense	$1,861,000	6,322
Salaries and employee benefits	$1,010,000	6,009
Premises and equipment expense	$199,000	7,213
Additional noninterest expense	$652,000	6,182
Pre-tax net operating income	$734,000	7,140
Securities gains (losses)	$-15,000	10,368
Applicable income taxes	$71,000	9,770
Income before extraordinary items	$648,000	6,327
Extraordinary gains, net	$0	65
Net income	$648,000	6,325
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-10,000	10,662
Cash dividends	$75,000	7,260
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$661,500	6,218
1994-12-31 (YTD Data)		Rank
Total interest income	$3,196,000	7,766
Total interest expense	$1,216,000	7,834
Net interest income	$1,980,000	7,611
Provision for loan and lease losses	$0	9,146
Total noninterest income	$176,000	9,181
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$59,000	9,379
Trading account gains and fees	NA	NA
Additional Noninterest Income	$117,000	7,005
Total noninterest expense	$1,634,000	7,187
Salaries and employee benefits	$909,000	6,571
Premises and equipment expense	$147,000	8,631
Additional noninterest expense	$578,000	7,193
Pre-tax net operating income	$522,000	8,506
Securities gains (losses)	$-207,000	11,965
Applicable income taxes	$-77,000	12,265
Income before extraordinary items	$392,000	8,262
Extraordinary gains, net	$0	249
Net income	$392,000	8,264
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	9,875
Cash dividends	$75,000	7,404
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$599,000	6,605
1993-12-31 (YTD Data)		Rank
Total interest income	$2,825,000	8,619
Total interest expense	$1,191,000	8,287
Net interest income	$1,634,000	8,699
Provision for loan and lease losses	$-60,000	12,789
Total noninterest income	$241,000	8,512
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$45,000	10,233
Trading account gains and fees	NA	NA
Additional Noninterest Income	$196,000	5,734
Total noninterest expense	$1,444,000	8,029
Salaries and employee benefits	$799,000	7,328
Premises and equipment expense	$151,000	8,878
Additional noninterest expense	$494,000	8,274
Pre-tax net operating income	$491,000	8,717
Securities gains (losses)	$-46,000	13,073
Applicable income taxes	$0	12,141
Income before extraordinary items	$445,000	8,014
Extraordinary gains, net	$59,000	2,050
Net income	$504,000	7,704
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	8,470
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$491,000	7,372
1992-12-31 (YTD Data)		Rank
Total interest income	$3,060,000	8,875
Total interest expense	$1,393,000	8,880
Net interest income	$1,667,000	8,753
Provision for loan and lease losses	$-575,000	13,893
Total noninterest income	$151,000	10,475
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$43,000	10,593
Trading account gains and fees	NA	NA
Additional Noninterest Income	$108,000	7,800
Total noninterest expense	$1,638,000	7,443
Salaries and employee benefits	$819,000	7,138
Premises and equipment expense	$145,000	9,267
Additional noninterest expense	$674,000	6,928
Pre-tax net operating income	$755,000	6,801
Securities gains (losses)	$73,000	3,512
Applicable income taxes	$281,000	6,199
Income before extraordinary items	$547,000	6,946
Extraordinary gains, net	$281,000	321
Net income	$828,000	5,281
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-43,000	13,426
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$498,820	6,965

* 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.