Home > Commerce Bank > Income and Expense
Commerce Bank, Income and Expense
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $48,792,000 | 598 |
| Total interest expense | $16,469,000 | 752 |
| Net interest income | $32,323,000 | 519 |
| Provision for loan and lease losses | $2,016,000 | 1,180 |
| Total noninterest income | $13,750,000 | 393 |
| Gross Fiduciary activities income | $3,083,000 | 179 |
| Service charges on deposit accounts | $4,694,000 | 295 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $5,973,000 | 486 |
| Total noninterest expense | $29,318,000 | 510 |
| Salaries and employee benefits | $9,336,000 | 817 |
| Premises and equipment expense | $2,821,000 | 734 |
| Additional noninterest expense | $17,161,000 | 332 |
| Pre-tax net operating income | $14,739,000 | 359 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $5,527,000 | 293 |
| Income before extraordinary items | $9,212,000 | 407 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $9,212,000 | 406 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,016,000 | 821 |
| Cash dividends | $4,800,000 | 475 |
| Sale, conversion, retirement of capital stock, net | $162,000 | 640 |
| Net operating income | $9,212,000 | 422 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $33,130,000 | 594 |
| Total interest expense | $12,137,000 | 709 |
| Net interest income | $20,993,000 | 532 |
| Provision for loan and lease losses | $1,020,000 | 1,205 |
| Total noninterest income | $9,123,000 | 408 |
| Gross Fiduciary activities income | $2,039,000 | 182 |
| Service charges on deposit accounts | $3,145,000 | 286 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $3,939,000 | 510 |
| Total noninterest expense | $19,304,000 | 521 |
| Salaries and employee benefits | $6,189,000 | 836 |
| Premises and equipment expense | $1,807,000 | 767 |
| Additional noninterest expense | $11,308,000 | 332 |
| Pre-tax net operating income | $9,792,000 | 379 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $3,906,000 | 318 |
| Income before extraordinary items | $5,886,000 | 471 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $5,886,000 | 470 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,020,000 | 856 |
| Cash dividends | $3,200,000 | 518 |
| Sale, conversion, retirement of capital stock, net | $92,000 | 612 |
| Net operating income | $5,886,000 | 457 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $16,988,000 | 593 |
| Total interest expense | $6,958,000 | 662 |
| Net interest income | $10,030,000 | 553 |
| Provision for loan and lease losses | $241,000 | 1,631 |
| Total noninterest income | $4,408,000 | 428 |
| Gross Fiduciary activities income | $981,000 | 191 |
| Service charges on deposit accounts | $1,518,000 | 292 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $1,909,000 | 525 |
| Total noninterest expense | $9,662,000 | 516 |
| Salaries and employee benefits | $3,105,000 | 838 |
| Premises and equipment expense | $916,000 | 764 |
| Additional noninterest expense | $5,641,000 | 323 |
| Pre-tax net operating income | $4,535,000 | 448 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $1,804,000 | 375 |
| Income before extraordinary items | $2,731,000 | 556 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $2,731,000 | 557 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $253,000 | 1,095 |
| Cash dividends | $1,600,000 | 512 |
| Sale, conversion, retirement of capital stock, net | $45,000 | 493 |
| Net operating income | $2,731,000 | 532 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $70,638,000 | 601 |
| Total interest expense | $35,450,000 | 571 |
| Net interest income | $35,188,000 | 629 |
| Provision for loan and lease losses | $1,901,000 | 876 |
| Total noninterest income | $17,228,000 | 422 |
| Gross Fiduciary activities income | $3,731,000 | 190 |
| Service charges on deposit accounts | $6,378,000 | 289 |
| Trading account gains and fees | $30,000 | 153 |
| Additional Noninterest Income | $7,089,000 | 517 |
| Total noninterest expense | $37,075,000 | 514 |
| Salaries and employee benefits | $11,687,000 | 850 |
| Premises and equipment expense | $3,737,000 | 713 |
| Additional noninterest expense | $21,651,000 | 329 |
| Pre-tax net operating income | $13,440,000 | 642 |
| Securities gains (losses) | $-24,000 | 7,800 |
| Applicable income taxes | $5,303,000 | 516 |
| Income before extraordinary items | $8,113,000 | 803 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $8,113,000 | 801 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,900,000 | 639 |
| Cash dividends | $23,300,000 | 226 |
| Sale, conversion, retirement of capital stock, net | $188,000 | 767 |
| Net operating income | $8,128,360 | 795 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $52,573,000 | 604 |
| Total interest expense | $26,785,000 | 564 |
| Net interest income | $25,788,000 | 651 |
| Provision for loan and lease losses | $987,000 | 916 |
| Total noninterest income | $12,650,000 | 428 |
| Gross Fiduciary activities income | $2,778,000 | 187 |
| Service charges on deposit accounts | $4,675,000 | 291 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $5,197,000 | 531 |
| Total noninterest expense | $27,301,000 | 520 |
| Salaries and employee benefits | $8,563,000 | 867 |
| Premises and equipment expense | $2,820,000 | 706 |
| Additional noninterest expense | $15,918,000 | 314 |
| Pre-tax net operating income | $10,150,000 | 691 |
| Securities gains (losses) | $-24,000 | 8,008 |
| Applicable income taxes | $3,976,000 | 558 |
| Income before extraordinary items | $6,150,000 | 857 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $6,150,000 | 855 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $986,000 | 665 |
| Cash dividends | $21,900,000 | 189 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $6,165,360 | 842 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $35,211,000 | 609 |
| Total interest expense | $18,231,000 | 561 |
| Net interest income | $16,980,000 | 671 |
| Provision for loan and lease losses | $598,000 | 894 |
| Total noninterest income | $8,316,000 | 444 |
| Gross Fiduciary activities income | $1,860,000 | 192 |
| Service charges on deposit accounts | $3,131,000 | 290 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $3,325,000 | 574 |
| Total noninterest expense | $18,249,000 | 533 |
| Salaries and employee benefits | $5,617,000 | 906 |
| Premises and equipment expense | $1,793,000 | 763 |
| Additional noninterest expense | $10,839,000 | 321 |
| Pre-tax net operating income | $6,449,000 | 754 |
| Securities gains (losses) | $-24,000 | 8,169 |
| Applicable income taxes | $2,516,000 | 604 |
| Income before extraordinary items | $3,909,000 | 926 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,909,000 | 925 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $597,000 | 636 |
| Cash dividends | $20,500,000 | 166 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $3,924,360 | 911 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $17,538,000 | 602 |
| Total interest expense | $9,025,000 | 558 |
| Net interest income | $8,513,000 | 659 |
| Provision for loan and lease losses | $435,000 | 590 |
| Total noninterest income | $3,856,000 | 465 |
| Gross Fiduciary activities income | $894,000 | 196 |
| Service charges on deposit accounts | $1,386,000 | 319 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $1,576,000 | 590 |
| Total noninterest expense | $9,304,000 | 527 |
| Salaries and employee benefits | $2,843,000 | 897 |
| Premises and equipment expense | $893,000 | 764 |
| Additional noninterest expense | $5,568,000 | 304 |
| Pre-tax net operating income | $2,630,000 | 898 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $1,025,000 | 719 |
| Income before extraordinary items | $1,605,000 | 1,096 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,605,000 | 1,095 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $435,000 | 453 |
| Cash dividends | $1,500,000 | 577 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,605,000 | 1,080 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $65,973,000 | 604 |
| Total interest expense | $33,336,000 | 523 |
| Net interest income | $32,637,000 | 677 |
| Provision for loan and lease losses | $1,261,000 | 831 |
| Total noninterest income | $15,603,000 | 458 |
| Gross Fiduciary activities income | $3,472,000 | 188 |
| Service charges on deposit accounts | $6,342,000 | 274 |
| Trading account gains and fees | $32,000 | 107 |
| Additional Noninterest Income | $5,757,000 | 611 |
| Total noninterest expense | $35,132,000 | 523 |
| Salaries and employee benefits | $11,353,000 | 854 |
| Premises and equipment expense | $3,616,000 | 707 |
| Additional noninterest expense | $20,163,000 | 321 |
| Pre-tax net operating income | $11,847,000 | 839 |
| Securities gains (losses) | $-71,000 | 8,073 |
| Applicable income taxes | $4,421,000 | 698 |
| Income before extraordinary items | $7,355,000 | 1,017 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $7,355,000 | 1,017 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,265,000 | 561 |
| Cash dividends | $5,750,000 | 629 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $7,400,440 | 998 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $48,833,000 | 623 |
| Total interest expense | $24,570,000 | 522 |
| Net interest income | $24,263,000 | 696 |
| Provision for loan and lease losses | $905,000 | 828 |
| Total noninterest income | $11,741,000 | 473 |
| Gross Fiduciary activities income | $2,580,000 | 195 |
| Service charges on deposit accounts | $4,778,000 | 275 |
| Trading account gains and fees | $32,000 | 103 |
| Additional Noninterest Income | $4,351,000 | 613 |
| Total noninterest expense | $26,232,000 | 538 |
| Salaries and employee benefits | $8,455,000 | 865 |
| Premises and equipment expense | $2,766,000 | 714 |
| Additional noninterest expense | $15,011,000 | 335 |
| Pre-tax net operating income | $8,867,000 | 877 |
| Securities gains (losses) | $-71,000 | 8,300 |
| Applicable income taxes | $3,304,000 | 732 |
| Income before extraordinary items | $5,492,000 | 1,056 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $5,492,000 | 1,055 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $905,000 | 501 |
| Cash dividends | $4,000,000 | 629 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $5,537,440 | 1,037 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $31,406,000 | 634 |
| Total interest expense | $15,507,000 | 523 |
| Net interest income | $15,899,000 | 713 |
| Provision for loan and lease losses | $508,000 | 960 |
| Total noninterest income | $7,660,000 | 477 |
| Gross Fiduciary activities income | $1,704,000 | 202 |
| Service charges on deposit accounts | $3,118,000 | 277 |
| Trading account gains and fees | $32,000 | 100 |
| Additional Noninterest Income | $2,806,000 | 621 |
| Total noninterest expense | $17,362,000 | 550 |
| Salaries and employee benefits | $5,592,000 | 883 |
| Premises and equipment expense | $1,789,000 | 737 |
| Additional noninterest expense | $9,981,000 | 347 |
| Pre-tax net operating income | $5,689,000 | 907 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $2,143,000 | 756 |
| Income before extraordinary items | $3,546,000 | 1,078 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,546,000 | 1,079 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $508,000 | 553 |
| Cash dividends | $2,750,000 | 622 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $3,546,000 | 1,067 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $15,070,000 | 638 |
| Total interest expense | $7,130,000 | 532 |
| Net interest income | $7,940,000 | 708 |
| Provision for loan and lease losses | $313,000 | 745 |
| Total noninterest income | $3,774,000 | 475 |
| Gross Fiduciary activities income | $837,000 | 206 |
| Service charges on deposit accounts | $1,565,000 | 269 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,372,000 | 636 |
| Total noninterest expense | $8,614,000 | 543 |
| Salaries and employee benefits | $2,750,000 | 890 |
| Premises and equipment expense | $884,000 | 736 |
| Additional noninterest expense | $4,980,000 | 335 |
| Pre-tax net operating income | $2,787,000 | 913 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $1,050,000 | 758 |
| Income before extraordinary items | $1,737,000 | 1,082 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,737,000 | 1,081 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $313,000 | 449 |
| Cash dividends | $1,750,000 | 470 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,737,000 | 1,069 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $55,403,000 | 605 |
| Total interest expense | $19,780,000 | 587 |
| Net interest income | $35,623,000 | 612 |
| Provision for loan and lease losses | $1,921,000 | 563 |
| Total noninterest income | $14,243,000 | 498 |
| Gross Fiduciary activities income | $3,174,000 | 200 |
| Service charges on deposit accounts | $6,207,000 | 275 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $4,862,000 | 703 |
| Total noninterest expense | $33,705,000 | 539 |
| Salaries and employee benefits | $10,960,000 | 835 |
| Premises and equipment expense | $3,404,000 | 721 |
| Additional noninterest expense | $19,341,000 | 343 |
| Pre-tax net operating income | $14,240,000 | 697 |
| Securities gains (losses) | $2,284,000 | 131 |
| Applicable income taxes | $6,221,000 | 548 |
| Income before extraordinary items | $10,303,000 | 705 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $10,303,000 | 707 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,633,000 | 316 |
| Cash dividends | $9,250,000 | 404 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $8,841,240 | 804 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $41,128,000 | 592 |
| Total interest expense | $13,893,000 | 586 |
| Net interest income | $27,235,000 | 600 |
| Provision for loan and lease losses | $968,000 | 786 |
| Total noninterest income | $10,651,000 | 501 |
| Gross Fiduciary activities income | $2,387,000 | 198 |
| Service charges on deposit accounts | $4,620,000 | 272 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $3,644,000 | 701 |
| Total noninterest expense | $25,146,000 | 538 |
| Salaries and employee benefits | $8,262,000 | 817 |
| Premises and equipment expense | $2,207,000 | 809 |
| Additional noninterest expense | $14,677,000 | 337 |
| Pre-tax net operating income | $11,772,000 | 645 |
| Securities gains (losses) | $2,304,000 | 117 |
| Applicable income taxes | $5,298,000 | 504 |
| Income before extraordinary items | $8,778,000 | 635 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $8,778,000 | 635 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,688,000 | 329 |
| Cash dividends | $6,250,000 | 397 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $7,303,440 | 720 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $27,014,000 | 580 |
| Total interest expense | $8,482,000 | 600 |
| Net interest income | $18,532,000 | 578 |
| Provision for loan and lease losses | $300,000 | 1,505 |
| Total noninterest income | $6,958,000 | 496 |
| Gross Fiduciary activities income | $1,581,000 | 200 |
| Service charges on deposit accounts | $2,949,000 | 278 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $2,428,000 | 698 |
| Total noninterest expense | $17,087,000 | 530 |
| Salaries and employee benefits | $5,516,000 | 808 |
| Premises and equipment expense | $1,556,000 | 766 |
| Additional noninterest expense | $10,015,000 | 328 |
| Pre-tax net operating income | $8,103,000 | 613 |
| Securities gains (losses) | $1,105,000 | 147 |
| Applicable income taxes | $3,464,000 | 509 |
| Income before extraordinary items | $5,744,000 | 626 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $5,744,000 | 626 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,021,000 | 363 |
| Cash dividends | $4,500,000 | 368 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $5,036,800 | 688 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $12,234,000 | 619 |
| Total interest expense | $3,760,000 | 634 |
| Net interest income | $8,474,000 | 619 |
| Provision for loan and lease losses | $208,000 | 1,105 |
| Total noninterest income | $3,432,000 | 484 |
| Gross Fiduciary activities income | $787,000 | 202 |
| Service charges on deposit accounts | $1,419,000 | 274 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,226,000 | 689 |
| Total noninterest expense | $8,662,000 | 515 |
| Salaries and employee benefits | $2,749,000 | 808 |
| Premises and equipment expense | $813,000 | 736 |
| Additional noninterest expense | $5,100,000 | 323 |
| Pre-tax net operating income | $3,036,000 | 786 |
| Securities gains (losses) | $-1,027,000 | 8,905 |
| Applicable income taxes | $752,000 | 948 |
| Income before extraordinary items | $1,257,000 | 1,372 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,257,000 | 1,374 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $429,000 | 389 |
| Cash dividends | $2,750,000 | 283 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,914,280 | 890 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $49,956,000 | 579 |
| Total interest expense | $10,453,000 | 786 |
| Net interest income | $39,503,000 | 518 |
| Provision for loan and lease losses | $2,339,000 | 476 |
| Total noninterest income | $13,531,000 | 496 |
| Gross Fiduciary activities income | $3,189,000 | 200 |
| Service charges on deposit accounts | $5,997,000 | 286 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $4,345,000 | 739 |
| Total noninterest expense | $34,934,000 | 508 |
| Salaries and employee benefits | $11,244,000 | 759 |
| Premises and equipment expense | $3,206,000 | 721 |
| Additional noninterest expense | $20,484,000 | 327 |
| Pre-tax net operating income | $15,761,000 | 590 |
| Securities gains (losses) | $2,355,000 | 164 |
| Applicable income taxes | $6,613,000 | 494 |
| Income before extraordinary items | $11,503,000 | 592 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $11,503,000 | 593 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,444,000 | 399 |
| Cash dividends | $14,000,000 | 274 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $9,995,800 | 640 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $37,345,000 | 576 |
| Total interest expense | $7,407,000 | 810 |
| Net interest income | $29,938,000 | 513 |
| Provision for loan and lease losses | $1,563,000 | 509 |
| Total noninterest income | $10,007,000 | 503 |
| Gross Fiduciary activities income | $2,354,000 | 198 |
| Service charges on deposit accounts | $4,522,000 | 290 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $3,131,000 | 769 |
| Total noninterest expense | $26,013,000 | 505 |
| Salaries and employee benefits | $8,486,000 | 748 |
| Premises and equipment expense | $2,395,000 | 725 |
| Additional noninterest expense | $15,132,000 | 327 |
| Pre-tax net operating income | $12,369,000 | 574 |
| Securities gains (losses) | $2,368,000 | 158 |
| Applicable income taxes | $5,341,000 | 459 |
| Income before extraordinary items | $9,396,000 | 562 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $9,396,000 | 563 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,592,000 | 410 |
| Cash dividends | $9,000,000 | 296 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $7,880,480 | 620 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $25,066,000 | 563 |
| Total interest expense | $4,806,000 | 810 |
| Net interest income | $20,260,000 | 497 |
| Provision for loan and lease losses | $1,100,000 | 487 |
| Total noninterest income | $6,759,000 | 495 |
| Gross Fiduciary activities income | $1,573,000 | 204 |
| Service charges on deposit accounts | $3,143,000 | 270 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,043,000 | 783 |
| Total noninterest expense | $17,318,000 | 501 |
| Salaries and employee benefits | $5,610,000 | 756 |
| Premises and equipment expense | $1,596,000 | 727 |
| Additional noninterest expense | $10,112,000 | 323 |
| Pre-tax net operating income | $8,601,000 | 544 |
| Securities gains (losses) | $2,358,000 | 138 |
| Applicable income taxes | $3,987,000 | 430 |
| Income before extraordinary items | $6,972,000 | 506 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $6,972,000 | 505 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,130,000 | 386 |
| Cash dividends | $6,000,000 | 281 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $5,462,880 | 593 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $12,262,000 | 586 |
| Total interest expense | $2,449,000 | 820 |
| Net interest income | $9,813,000 | 519 |
| Provision for loan and lease losses | $449,000 | 580 |
| Total noninterest income | $3,313,000 | 503 |
| Gross Fiduciary activities income | $776,000 | 200 |
| Service charges on deposit accounts | $1,514,000 | 279 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $1,023,000 | 775 |
| Total noninterest expense | $8,677,000 | 503 |
| Salaries and employee benefits | $2,801,000 | 770 |
| Premises and equipment expense | $808,000 | 732 |
| Additional noninterest expense | $5,068,000 | 317 |
| Pre-tax net operating income | $4,000,000 | 575 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $1,417,000 | 558 |
| Income before extraordinary items | $2,583,000 | 651 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $2,583,000 | 650 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $449,000 | 457 |
| Cash dividends | $3,000,000 | 261 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $2,583,000 | 608 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $52,578,000 | 543 |
| Total interest expense | $10,806,000 | 824 |
| Net interest income | $41,772,000 | 472 |
| Provision for loan and lease losses | $2,955,000 | 482 |
| Total noninterest income | $13,274,000 | 529 |
| Gross Fiduciary activities income | $3,128,000 | 198 |
| Service charges on deposit accounts | $6,037,000 | 284 |
| Trading account gains and fees | $22,000 | 144 |
| Additional Noninterest Income | $4,087,000 | 883 |
| Total noninterest expense | $33,490,000 | 528 |
| Salaries and employee benefits | $11,342,000 | 753 |
| Premises and equipment expense | $3,483,000 | 655 |
| Additional noninterest expense | $18,665,000 | 352 |
| Pre-tax net operating income | $18,601,000 | 511 |
| Securities gains (losses) | $1,607,000 | 348 |
| Applicable income taxes | $7,337,000 | 463 |
| Income before extraordinary items | $12,871,000 | 546 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $12,871,000 | 546 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,958,000 | 409 |
| Cash dividends | $12,000,000 | 338 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $11,842,520 | 544 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $39,350,000 | 563 |
| Total interest expense | $8,337,000 | 838 |
| Net interest income | $31,013,000 | 491 |
| Provision for loan and lease losses | $1,812,000 | 560 |
| Total noninterest income | $9,772,000 | 567 |
| Gross Fiduciary activities income | $2,264,000 | 212 |
| Service charges on deposit accounts | $4,473,000 | 300 |
| Trading account gains and fees | $19,000 | 140 |
| Additional Noninterest Income | $3,016,000 | 922 |
| Total noninterest expense | $25,203,000 | 542 |
| Salaries and employee benefits | $8,476,000 | 770 |
| Premises and equipment expense | $2,659,000 | 652 |
| Additional noninterest expense | $14,068,000 | 361 |
| Pre-tax net operating income | $13,770,000 | 520 |
| Securities gains (losses) | $1,607,000 | 321 |
| Applicable income taxes | $5,573,000 | 468 |
| Income before extraordinary items | $9,804,000 | 557 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $9,804,000 | 556 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,814,000 | 473 |
| Cash dividends | $9,000,000 | 329 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $8,775,520 | 552 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $27,350,000 | 551 |
| Total interest expense | $5,909,000 | 816 |
| Net interest income | $21,441,000 | 482 |
| Provision for loan and lease losses | $1,213,000 | 554 |
| Total noninterest income | $6,366,000 | 570 |
| Gross Fiduciary activities income | $1,473,000 | 218 |
| Service charges on deposit accounts | $2,969,000 | 302 |
| Trading account gains and fees | $12,000 | 137 |
| Additional Noninterest Income | $1,912,000 | 945 |
| Total noninterest expense | $16,796,000 | 542 |
| Salaries and employee benefits | $5,590,000 | 778 |
| Premises and equipment expense | $1,777,000 | 655 |
| Additional noninterest expense | $9,429,000 | 362 |
| Pre-tax net operating income | $9,798,000 | 497 |
| Securities gains (losses) | $1,607,000 | 265 |
| Applicable income taxes | $4,138,000 | 441 |
| Income before extraordinary items | $7,267,000 | 511 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $7,267,000 | 511 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,216,000 | 459 |
| Cash dividends | $6,000,000 | 291 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $6,238,520 | 526 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $13,483,000 | 565 |
| Total interest expense | $3,068,000 | 802 |
| Net interest income | $10,415,000 | 496 |
| Provision for loan and lease losses | $573,000 | 574 |
| Total noninterest income | $2,973,000 | 597 |
| Gross Fiduciary activities income | $717,000 | 229 |
| Service charges on deposit accounts | $1,498,000 | 301 |
| Trading account gains and fees | $10,000 | 119 |
| Additional Noninterest Income | $748,000 | 1,108 |
| Total noninterest expense | $9,020,000 | 507 |
| Salaries and employee benefits | $2,794,000 | 781 |
| Premises and equipment expense | $932,000 | 625 |
| Additional noninterest expense | $5,294,000 | 327 |
| Pre-tax net operating income | $3,795,000 | 606 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $986,000 | 806 |
| Income before extraordinary items | $2,809,000 | 618 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,809,000 | 616 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $575,000 | 444 |
| Cash dividends | $3,000,000 | 276 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $2,809,000 | 577 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $56,727,000 | 560 |
| Total interest expense | $15,727,000 | 720 |
| Net interest income | $41,000,000 | 501 |
| Provision for loan and lease losses | $1,940,000 | 761 |
| Total noninterest income | $15,366,000 | 476 |
| Gross Fiduciary activities income | $3,101,000 | 218 |
| Service charges on deposit accounts | $6,425,000 | 274 |
| Trading account gains and fees | $28,000 | 125 |
| Additional Noninterest Income | $5,812,000 | 624 |
| Total noninterest expense | $34,809,000 | 501 |
| Salaries and employee benefits | $11,292,000 | 719 |
| Premises and equipment expense | $3,767,000 | 592 |
| Additional noninterest expense | $19,750,000 | 355 |
| Pre-tax net operating income | $19,617,000 | 481 |
| Securities gains (losses) | $-1,000 | 8,656 |
| Applicable income taxes | $7,629,000 | 436 |
| Income before extraordinary items | $11,987,000 | 555 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $11,987,000 | 557 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,940,000 | 578 |
| Cash dividends | $9,000,000 | 390 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $11,987,640 | 526 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $63,917,000 | 562 |
| Total interest expense | $26,322,000 | 637 |
| Net interest income | $37,595,000 | 505 |
| Provision for loan and lease losses | $2,758,000 | 546 |
| Total noninterest income | $12,993,000 | 507 |
| Gross Fiduciary activities income | $2,624,000 | 246 |
| Service charges on deposit accounts | $6,227,000 | 264 |
| Trading account gains and fees | $29,000 | 144 |
| Additional Noninterest Income | $4,113,000 | 757 |
| Total noninterest expense | $37,729,000 | 456 |
| Salaries and employee benefits | $11,793,000 | 640 |
| Premises and equipment expense | $4,484,000 | 500 |
| Additional noninterest expense | $21,452,000 | 337 |
| Pre-tax net operating income | $10,101,000 | 757 |
| Securities gains (losses) | $730,000 | 486 |
| Applicable income taxes | $4,023,000 | 649 |
| Income before extraordinary items | $6,808,000 | 815 |
| Extraordinary gains, net | $10,000 | 94 |
| Net income | $6,818,000 | 813 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,575,000 | 476 |
| Cash dividends | $5,750,000 | 550 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $6,340,800 | 825 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $68,455,000 | 561 |
| Total interest expense | $28,888,000 | 642 |
| Net interest income | $39,567,000 | 478 |
| Provision for loan and lease losses | $2,098,000 | 593 |
| Total noninterest income | $11,674,000 | 527 |
| Gross Fiduciary activities income | $2,436,000 | 262 |
| Service charges on deposit accounts | $5,551,000 | 268 |
| Trading account gains and fees | $45,000 | 143 |
| Additional Noninterest Income | $3,642,000 | 761 |
| Total noninterest expense | $37,281,000 | 443 |
| Salaries and employee benefits | $11,571,000 | 622 |
| Premises and equipment expense | $4,328,000 | 524 |
| Additional noninterest expense | $21,382,000 | 328 |
| Pre-tax net operating income | $11,862,000 | 675 |
| Securities gains (losses) | $-445,000 | 9,695 |
| Applicable income taxes | $4,645,000 | 577 |
| Income before extraordinary items | $6,772,000 | 801 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $6,772,000 | 801 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,091,000 | 464 |
| Cash dividends | $5,450,000 | 584 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $7,056,800 | 767 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $64,882,000 | 571 |
| Total interest expense | $26,963,000 | 617 |
| Net interest income | $37,919,000 | 515 |
| Provision for loan and lease losses | $2,568,000 | 458 |
| Total noninterest income | $11,161,000 | 580 |
| Gross Fiduciary activities income | $2,592,000 | 283 |
| Service charges on deposit accounts | $5,389,000 | 282 |
| Trading account gains and fees | $30,000 | 141 |
| Additional Noninterest Income | $3,150,000 | 863 |
| Total noninterest expense | $38,448,000 | 440 |
| Salaries and employee benefits | $11,847,000 | 604 |
| Premises and equipment expense | $4,259,000 | 537 |
| Additional noninterest expense | $22,342,000 | 336 |
| Pre-tax net operating income | $8,064,000 | 989 |
| Securities gains (losses) | $325,000 | 429 |
| Applicable income taxes | $2,699,000 | 962 |
| Income before extraordinary items | $5,690,000 | 975 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $5,690,000 | 974 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,582,000 | 396 |
| Cash dividends | $6,000,000 | 571 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $5,469,000 | 992 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $68,302,000 | 538 |
| Total interest expense | $31,683,000 | 548 |
| Net interest income | $36,619,000 | 515 |
| Provision for loan and lease losses | $2,278,000 | 531 |
| Total noninterest income | $10,260,000 | 595 |
| Gross Fiduciary activities income | $2,429,000 | 283 |
| Service charges on deposit accounts | $5,110,000 | 273 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $2,721,000 | 955 |
| Total noninterest expense | $36,148,000 | 456 |
| Salaries and employee benefits | $12,815,000 | 559 |
| Premises and equipment expense | $4,267,000 | 516 |
| Additional noninterest expense | $19,066,000 | 363 |
| Pre-tax net operating income | $8,453,000 | 925 |
| Securities gains (losses) | $61,000 | 1,591 |
| Applicable income taxes | $2,982,000 | 875 |
| Income before extraordinary items | $5,532,000 | 979 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $5,532,000 | 978 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,913,000 | 382 |
| Cash dividends | $2,500,000 | 1,112 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $5,492,350 | 959 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $57,585,000 | 622 |
| Total interest expense | $26,524,000 | 635 |
| Net interest income | $31,061,000 | 593 |
| Provision for loan and lease losses | $2,076,000 | 571 |
| Total noninterest income | $7,028,000 | 729 |
| Gross Fiduciary activities income | $1,258,000 | 411 |
| Service charges on deposit accounts | $3,879,000 | 351 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,891,000 | 1,144 |
| Total noninterest expense | $31,550,000 | 502 |
| Salaries and employee benefits | $9,818,000 | 697 |
| Premises and equipment expense | $3,641,000 | 575 |
| Additional noninterest expense | $18,091,000 | 354 |
| Pre-tax net operating income | $4,463,000 | 1,717 |
| Securities gains (losses) | $128,000 | 878 |
| Applicable income taxes | $2,034,000 | 1,303 |
| Income before extraordinary items | $2,557,000 | 2,070 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,557,000 | 2,069 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,007,000 | 502 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,475,080 | 2,077 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,767,000 | 4,709 |
| Total interest expense | $3,093,000 | 4,655 |
| Net interest income | $3,674,000 | 4,635 |
| Provision for loan and lease losses | $10,000 | 8,531 |
| Total noninterest income | $675,000 | 4,222 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $449,000 | 3,015 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $226,000 | 4,843 |
| Total noninterest expense | $2,606,000 | 4,837 |
| Salaries and employee benefits | $1,073,000 | 5,691 |
| Premises and equipment expense | $472,000 | 3,956 |
| Additional noninterest expense | $1,061,000 | 4,192 |
| Pre-tax net operating income | $1,733,000 | 3,842 |
| Securities gains (losses) | $-3,000 | 9,684 |
| Applicable income taxes | $603,000 | 3,567 |
| Income before extraordinary items | $1,127,000 | 4,081 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,127,000 | 4,081 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $103,000 | 3,872 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,128,950 | 4,020 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,617,000 | 4,781 |
| Total interest expense | $3,254,000 | 4,421 |
| Net interest income | $3,363,000 | 5,025 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $634,000 | 4,402 |
| Gross Fiduciary activities income | $2,000 | 1,553 |
| Service charges on deposit accounts | $377,000 | 3,544 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $255,000 | 4,421 |
| Total noninterest expense | $2,942,000 | 4,367 |
| Salaries and employee benefits | $1,196,000 | 5,233 |
| Premises and equipment expense | $514,000 | 3,673 |
| Additional noninterest expense | $1,232,000 | 3,661 |
| Pre-tax net operating income | $1,055,000 | 5,769 |
| Securities gains (losses) | $-281,000 | 11,742 |
| Applicable income taxes | $224,000 | 7,036 |
| Income before extraordinary items | $550,000 | 6,902 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $550,000 | 6,900 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 6,109 |
| Cash dividends | $500,000 | 3,291 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $749,510 | 5,690 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,171,000 | 4,747 |
| Total interest expense | $2,623,000 | 4,449 |
| Net interest income | $3,548,000 | 4,881 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $639,000 | 4,431 |
| Gross Fiduciary activities income | $3,000 | 1,547 |
| Service charges on deposit accounts | $427,000 | 3,181 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $209,000 | 5,118 |
| Total noninterest expense | $3,227,000 | 4,141 |
| Salaries and employee benefits | $1,328,000 | 4,789 |
| Premises and equipment expense | $574,000 | 3,402 |
| Additional noninterest expense | $1,325,000 | 3,720 |
| Pre-tax net operating income | $960,000 | 6,118 |
| Securities gains (losses) | $-27,000 | 10,567 |
| Applicable income taxes | $291,000 | 5,991 |
| Income before extraordinary items | $642,000 | 6,267 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $642,000 | 6,281 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,849 |
| Cash dividends | $3,100,000 | 785 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $660,630 | 6,214 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,441,000 | 4,651 |
| Total interest expense | $2,619,000 | 4,624 |
| Net interest income | $3,822,000 | 4,588 |
| Provision for loan and lease losses | $-275,000 | 13,093 |
| Total noninterest income | $991,000 | 3,363 |
| Gross Fiduciary activities income | $161,000 | 1,104 |
| Service charges on deposit accounts | $436,000 | 3,186 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $394,000 | 3,787 |
| Total noninterest expense | $3,047,000 | 4,451 |
| Salaries and employee benefits | $1,522,000 | 4,218 |
| Premises and equipment expense | $520,000 | 3,731 |
| Additional noninterest expense | $1,005,000 | 4,900 |
| Pre-tax net operating income | $2,041,000 | 3,248 |
| Securities gains (losses) | $155,000 | 1,954 |
| Applicable income taxes | $736,000 | 2,972 |
| Income before extraordinary items | $1,460,000 | 3,321 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,460,000 | 3,424 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-448,000 | 13,219 |
| Cash dividends | $105,000 | 6,770 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,357,700 | 3,368 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,542,000 | 4,521 |
| Total interest expense | $3,396,000 | 4,664 |
| Net interest income | $4,146,000 | 4,305 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $1,180,000 | 2,906 |
| Gross Fiduciary activities income | $186,000 | 1,101 |
| Service charges on deposit accounts | $443,000 | 3,161 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $551,000 | 2,995 |
| Total noninterest expense | $3,031,000 | 4,492 |
| Salaries and employee benefits | $1,514,000 | 4,203 |
| Premises and equipment expense | $516,000 | 3,858 |
| Additional noninterest expense | $1,001,000 | 5,045 |
| Pre-tax net operating income | $2,295,000 | 2,721 |
| Securities gains (losses) | $56,000 | 3,937 |
| Applicable income taxes | $824,000 | 2,528 |
| Income before extraordinary items | $1,527,000 | 3,027 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,527,000 | 3,059 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $240,000 | 3,797 |
| Cash dividends | $420,000 | 3,185 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,490,600 | 2,864 |
* 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.