Home > CivicBank of Commerce > Income and Expense
CivicBank of Commerce, Income and Expense
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $35,089,000 | 968 |
| Total interest expense | $9,796,000 | 1,655 |
| Net interest income | $25,293,000 | 694 |
| Provision for loan and lease losses | $900,000 | 1,348 |
| Total noninterest income | $2,849,000 | 1,538 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,831,000 | 804 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,018,000 | 2,016 |
| Total noninterest expense | $19,380,000 | 778 |
| Salaries and employee benefits | $11,503,000 | 659 |
| Premises and equipment expense | $3,302,000 | 657 |
| Additional noninterest expense | $4,575,000 | 1,051 |
| Pre-tax net operating income | $7,862,000 | 959 |
| Securities gains (losses) | $20,000 | 3,157 |
| Applicable income taxes | $3,211,000 | 790 |
| Income before extraordinary items | $4,671,000 | 1,166 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $4,671,000 | 1,166 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $430,000 | 1,739 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $4,658,200 | 1,124 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $41,188,000 | 864 |
| Total interest expense | $11,587,000 | 1,489 |
| Net interest income | $29,601,000 | 619 |
| Provision for loan and lease losses | $825,000 | 1,240 |
| Total noninterest income | $1,848,000 | 1,997 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,203,000 | 1,130 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $645,000 | 2,515 |
| Total noninterest expense | $19,578,000 | 769 |
| Salaries and employee benefits | $11,897,000 | 610 |
| Premises and equipment expense | $3,002,000 | 695 |
| Additional noninterest expense | $4,679,000 | 1,002 |
| Pre-tax net operating income | $11,046,000 | 718 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $4,167,000 | 625 |
| Income before extraordinary items | $6,879,000 | 789 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $6,879,000 | 789 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $210,000 | 2,326 |
| Cash dividends | $14,610,000 | 293 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $6,879,000 | 790 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $30,155,000 | 1,086 |
| Total interest expense | $8,243,000 | 1,802 |
| Net interest income | $21,912,000 | 802 |
| Provision for loan and lease losses | $315,000 | 2,548 |
| Total noninterest income | $1,135,000 | 2,809 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $709,000 | 1,871 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $426,000 | 3,275 |
| Total noninterest expense | $13,418,000 | 1,039 |
| Salaries and employee benefits | $8,194,000 | 838 |
| Premises and equipment expense | $2,237,000 | 896 |
| Additional noninterest expense | $2,987,000 | 1,520 |
| Pre-tax net operating income | $9,314,000 | 877 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $3,523,000 | 775 |
| Income before extraordinary items | $5,791,000 | 962 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $5,791,000 | 962 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-111,000 | 10,057 |
| Cash dividends | $1,000,000 | 2,245 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $5,791,000 | 952 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $28,837,000 | 1,128 |
| Total interest expense | $8,795,000 | 1,743 |
| Net interest income | $20,042,000 | 857 |
| Provision for loan and lease losses | $150,000 | 4,136 |
| Total noninterest income | $869,000 | 3,403 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $571,000 | 2,250 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $298,000 | 4,048 |
| Total noninterest expense | $11,516,000 | 1,142 |
| Salaries and employee benefits | $7,412,000 | 887 |
| Premises and equipment expense | $2,024,000 | 952 |
| Additional noninterest expense | $2,080,000 | 2,049 |
| Pre-tax net operating income | $9,245,000 | 848 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $3,650,000 | 742 |
| Income before extraordinary items | $5,595,000 | 965 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $5,595,000 | 964 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 4,126 |
| Cash dividends | $3,000,000 | 967 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $5,595,000 | 932 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $26,074,000 | 1,295 |
| Total interest expense | $7,381,000 | 2,064 |
| Net interest income | $18,693,000 | 959 |
| Provision for loan and lease losses | $100,000 | 5,146 |
| Total noninterest income | $925,000 | 3,244 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $567,000 | 2,312 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $358,000 | 3,532 |
| Total noninterest expense | $11,776,000 | 1,132 |
| Salaries and employee benefits | $6,774,000 | 979 |
| Premises and equipment expense | $1,966,000 | 1,004 |
| Additional noninterest expense | $3,036,000 | 1,427 |
| Pre-tax net operating income | $7,742,000 | 1,049 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $2,935,000 | 952 |
| Income before extraordinary items | $4,807,000 | 1,158 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $4,807,000 | 1,159 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $718,000 | 1,009 |
| Cash dividends | $1,500,000 | 1,600 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $4,807,000 | 1,129 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $21,521,000 | 1,554 |
| Total interest expense | $5,403,000 | 2,820 |
| Net interest income | $16,118,000 | 1,129 |
| Provision for loan and lease losses | $600,000 | 1,497 |
| Total noninterest income | $743,000 | 3,905 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $416,000 | 3,231 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $327,000 | 3,872 |
| Total noninterest expense | $10,782,000 | 1,329 |
| Salaries and employee benefits | $5,784,000 | 1,161 |
| Premises and equipment expense | $1,972,000 | 1,070 |
| Additional noninterest expense | $3,026,000 | 1,719 |
| Pre-tax net operating income | $5,479,000 | 1,301 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $1,260,000 | 1,921 |
| Income before extraordinary items | $4,219,000 | 1,199 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $4,219,000 | 1,201 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $591,000 | 1,251 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $4,219,000 | 1,179 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $20,887,000 | 1,624 |
| Total interest expense | $5,045,000 | 3,004 |
| Net interest income | $15,842,000 | 1,160 |
| Provision for loan and lease losses | $2,565,000 | 493 |
| Total noninterest income | $905,000 | 3,348 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $400,000 | 3,369 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $505,000 | 2,865 |
| Total noninterest expense | $10,962,000 | 1,302 |
| Salaries and employee benefits | $5,962,000 | 1,128 |
| Premises and equipment expense | $1,925,000 | 1,097 |
| Additional noninterest expense | $3,075,000 | 1,665 |
| Pre-tax net operating income | $3,220,000 | 2,299 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $135,000 | 8,529 |
| Income before extraordinary items | $3,085,000 | 1,651 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $3,085,000 | 1,650 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $821,000 | 1,010 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $3,085,000 | 1,634 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $18,640,000 | 1,658 |
| Total interest expense | $4,902,000 | 2,509 |
| Net interest income | $13,738,000 | 1,317 |
| Provision for loan and lease losses | $375,000 | 1,906 |
| Total noninterest income | $3,069,000 | 1,340 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $462,000 | 2,990 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $2,607,000 | 964 |
| Total noninterest expense | $14,519,000 | 1,040 |
| Salaries and employee benefits | $6,779,000 | 1,004 |
| Premises and equipment expense | $2,301,000 | 929 |
| Additional noninterest expense | $5,439,000 | 1,094 |
| Pre-tax net operating income | $1,913,000 | 3,557 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $26,000 | 11,018 |
| Income before extraordinary items | $1,887,000 | 2,575 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,887,000 | 2,575 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,530,000 | 680 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,887,000 | 2,593 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $20,147,000 | 1,556 |
| Total interest expense | $6,545,000 | 1,979 |
| Net interest income | $13,602,000 | 1,327 |
| Provision for loan and lease losses | $825,000 | 1,481 |
| Total noninterest income | $5,125,000 | 966 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $533,000 | 2,606 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $4,592,000 | 719 |
| Total noninterest expense | $30,706,000 | 613 |
| Salaries and employee benefits | $7,710,000 | 885 |
| Premises and equipment expense | $2,976,000 | 782 |
| Additional noninterest expense | $20,020,000 | 463 |
| Pre-tax net operating income | $-12,804,000 | 13,245 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $1,000 | 12,075 |
| Income before extraordinary items | $-12,805,000 | 13,220 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-12,805,000 | 13,219 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,546,000 | 855 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $8,900,000 | 132 |
| Net operating income | $-12,805,000 | 13,215 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $27,730,000 | 1,315 |
| Total interest expense | $10,433,000 | 1,658 |
| Net interest income | $17,297,000 | 1,071 |
| Provision for loan and lease losses | $5,540,000 | 553 |
| Total noninterest income | $4,917,000 | 993 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $533,000 | 2,584 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $4,384,000 | 742 |
| Total noninterest expense | $21,896,000 | 791 |
| Salaries and employee benefits | $8,559,000 | 796 |
| Premises and equipment expense | $2,540,000 | 922 |
| Additional noninterest expense | $10,797,000 | 725 |
| Pre-tax net operating income | $-5,222,000 | 13,795 |
| Securities gains (losses) | $582,000 | 961 |
| Applicable income taxes | $-1,685,000 | 13,864 |
| Income before extraordinary items | $-2,955,000 | 13,740 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-2,955,000 | 13,737 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,552,000 | 492 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-3,327,480 | 13,712 |
* 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.