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City Commerce Bank, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$11,828,0002,737
Total interest expense$3,448,0004,191
Net interest income$8,380,0002,041
Provision for loan and lease losses$08,652
Total noninterest income$2,395,0001,595
Gross Fiduciary activities income$01,398
Service charges on deposit accounts$460,0002,747
Trading account gains and fees$0224
Additional Noninterest Income$1,935,0001,188
Total noninterest expense$6,785,0001,923
Salaries and employee benefits$3,735,0001,780
Premises and equipment expense$1,010,0001,951
Additional noninterest expense$2,040,0002,083
Pre-tax net operating income$3,990,0001,825
Securities gains (losses)$-440,00010,438
Applicable income taxes$1,576,0001,557
Income before extraordinary items$1,974,0002,581
Extraordinary gains, net$032
Net income$1,974,0002,582
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$159,0002,822
Cash dividends$07,473
Sale, conversion, retirement of capital stock, net$-900,00010,420
Net operating income$2,255,6002,220
1997-12-31 (YTD Data)Rank
Total interest income$10,829,0002,998
Total interest expense$3,501,0004,137
Net interest income$7,328,0002,382
Provision for loan and lease losses$75,0005,767
Total noninterest income$1,479,0002,221
Gross Fiduciary activities income$01,450
Service charges on deposit accounts$366,0003,484
Trading account gains and fees$0239
Additional Noninterest Income$1,113,0001,636
Total noninterest expense$6,910,0001,874
Salaries and employee benefits$3,569,0001,836
Premises and equipment expense$1,106,0001,788
Additional noninterest expense$2,235,0001,902
Pre-tax net operating income$1,822,0003,822
Securities gains (losses)$6,0002,665
Applicable income taxes$604,0003,643
Income before extraordinary items$1,224,0003,985
Extraordinary gains, net$044
Net income$1,224,0003,984
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-204,00010,819
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$20,000913
Net operating income$1,219,9803,925
1996-12-31 (YTD Data)Rank
Total interest income$9,601,0003,402
Total interest expense$2,918,0004,905
Net interest income$6,683,0002,643
Provision for loan and lease losses$-220,00011,346
Total noninterest income$1,508,0002,287
Gross Fiduciary activities income$01,526
Service charges on deposit accounts$361,0003,659
Trading account gains and fees$0262
Additional Noninterest Income$1,147,0001,649
Total noninterest expense$6,587,0002,101
Salaries and employee benefits$3,277,0002,014
Premises and equipment expense$1,192,0001,709
Additional noninterest expense$2,118,0002,329
Pre-tax net operating income$1,824,0003,669
Securities gains (losses)$8,0002,673
Applicable income taxes$529,0003,968
Income before extraordinary items$1,303,0003,624
Extraordinary gains, net$053
Net income$1,303,0003,623
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$14,0007,175
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$259,000546
Net operating income$1,297,3203,576
1995-12-31 (YTD Data)Rank
Total interest income$10,085,0003,262
Total interest expense$3,009,0004,743
Net interest income$7,076,0002,535
Provision for loan and lease losses$150,0003,621
Total noninterest income$1,831,0001,972
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$430,0003,126
Trading account gains and fees$0522
Additional Noninterest Income$1,401,0001,423
Total noninterest expense$6,948,0001,985
Salaries and employee benefits$3,128,0002,120
Premises and equipment expense$1,020,0001,984
Additional noninterest expense$2,800,0001,796
Pre-tax net operating income$1,809,0003,827
Securities gains (losses)$-49,00011,160
Applicable income taxes$483,0004,313
Income before extraordinary items$1,277,0003,744
Extraordinary gains, net$065
Net income$1,277,0003,740
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$123,0003,337
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$55,000634
Net operating income$1,312,7703,628
1994-12-31 (YTD Data)Rank
Total interest income$8,920,0003,358
Total interest expense$2,292,0004,994
Net interest income$6,628,0002,730
Provision for loan and lease losses$-150,00012,259
Total noninterest income$2,133,0001,765
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$623,0002,178
Trading account gains and fees$0475
Additional Noninterest Income$1,510,0001,378
Total noninterest expense$7,072,0002,021
Salaries and employee benefits$3,227,0002,047
Premises and equipment expense$1,244,0001,664
Additional noninterest expense$2,601,0002,073
Pre-tax net operating income$1,839,0003,669
Securities gains (losses)$03,600
Applicable income taxes$362,0005,127
Income before extraordinary items$1,477,0003,218
Extraordinary gains, net$0249
Net income$1,477,0003,231
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$671,0001,128
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,477,0003,252
1993-12-31 (YTD Data)Rank
Total interest income$9,272,0003,329
Total interest expense$2,507,0004,794
Net interest income$6,765,0002,662
Provision for loan and lease losses$2,691,000656
Total noninterest income$2,233,0001,821
Gross Fiduciary activities income$01,630
Service charges on deposit accounts$671,0002,035
Trading account gains and fees$0532
Additional Noninterest Income$1,562,0001,505
Total noninterest expense$7,363,0001,996
Salaries and employee benefits$3,058,0002,171
Premises and equipment expense$1,237,0001,694
Additional noninterest expense$3,068,0001,880
Pre-tax net operating income$-1,056,00012,985
Securities gains (losses)$104,0002,454
Applicable income taxes$-160,00013,011
Income before extraordinary items$-792,00012,966
Extraordinary gains, net$03,149
Net income$-792,00012,967
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$1,609,000832
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$-878,32012,939
1992-12-31 (YTD Data)Rank
Total interest income$11,033,0003,178
Total interest expense$3,916,0004,154
Net interest income$7,117,0002,549
Provision for loan and lease losses$830,0002,107
Total noninterest income$2,022,0001,915
Gross Fiduciary activities income$01,658
Service charges on deposit accounts$763,0001,772
Trading account gains and fees$0504
Additional Noninterest Income$1,259,0001,714
Total noninterest expense$6,842,0002,147
Salaries and employee benefits$3,219,0002,043
Premises and equipment expense$1,076,0001,965
Additional noninterest expense$2,547,0002,287
Pre-tax net operating income$1,467,0004,123
Securities gains (losses)$08,369
Applicable income taxes$413,0004,665
Income before extraordinary items$1,054,0004,303
Extraordinary gains, net$01,422
Net income$1,054,0004,346
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$573,0002,242
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$45,000938
Net operating income$1,054,0003,983

* 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.