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Commerce Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$218,404,000	247
Total interest expense	$95,022,000	263
Net interest income	$123,382,000	233
Provision for loan and lease losses	$5,943,000	303
Total noninterest income	$47,837,000	239
Gross Fiduciary activities income	$12,052,000	126
Service charges on deposit accounts	$14,906,000	155
Trading account gains and fees	$2,376,000	69
Additional Noninterest Income	$18,503,000	302
Total noninterest expense	$90,137,000	262
Salaries and employee benefits	$37,341,000	237
Premises and equipment expense	$10,879,000	267
Additional noninterest expense	$41,917,000	269
Pre-tax net operating income	$75,139,000	189
Securities gains (losses)	$769,000	317
Applicable income taxes	$27,009,000	184
Income before extraordinary items	$48,899,000	192
Extraordinary gains, net	$0	53
Net income	$48,899,000	192
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,919,000	300
Cash dividends	$41,000,000	162
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$48,406,840	189
1995-12-31 (YTD Data)		Rank
Total interest income	$5,550,000	5,552
Total interest expense	$2,485,000	5,598
Net interest income	$3,065,000	5,408
Provision for loan and lease losses	$0	8,958
Total noninterest income	$567,000	4,768
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$421,000	3,195
Trading account gains and fees	NA	NA
Additional Noninterest Income	$146,000	6,069
Total noninterest expense	$1,883,000	6,270
Salaries and employee benefits	$668,000	7,938
Premises and equipment expense	$165,000	7,915
Additional noninterest expense	$1,050,000	4,186
Pre-tax net operating income	$1,749,000	3,936
Securities gains (losses)	$63,000	1,165
Applicable income taxes	$689,000	3,276
Income before extraordinary items	$1,123,000	4,177
Extraordinary gains, net	$0	65
Net income	$1,123,000	4,175
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$17,000	6,876
Cash dividends	$1,000,000	2,009
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$1,082,680	4,296
1994-12-31 (YTD Data)		Rank
Total interest income	$5,155,000	5,527
Total interest expense	$2,014,000	5,587
Net interest income	$3,141,000	5,421
Provision for loan and lease losses	$0	9,146
Total noninterest income	$385,000	6,284
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$251,000	5,028
Trading account gains and fees	NA	NA
Additional Noninterest Income	$134,000	6,565
Total noninterest expense	$1,874,000	6,511
Salaries and employee benefits	$691,000	7,954
Premises and equipment expense	$138,000	8,875
Additional noninterest expense	$1,045,000	4,541
Pre-tax net operating income	$1,652,000	4,056
Securities gains (losses)	$38,000	1,321
Applicable income taxes	$642,000	3,320
Income before extraordinary items	$1,048,000	4,361
Extraordinary gains, net	$0	249
Net income	$1,048,000	4,361
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,000	6,622
Cash dividends	$750,000	2,388
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$1,023,680	4,500
1993-12-31 (YTD Data)		Rank
Total interest income	$5,276,000	5,517
Total interest expense	$2,083,000	5,647
Net interest income	$3,193,000	5,368
Provision for loan and lease losses	$0	10,371
Total noninterest income	$328,000	7,285
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$208,000	5,829
Trading account gains and fees	NA	NA
Additional Noninterest Income	$120,000	7,302
Total noninterest expense	$1,635,000	7,396
Salaries and employee benefits	$592,000	8,868
Premises and equipment expense	$138,000	9,226
Additional noninterest expense	$905,000	5,341
Pre-tax net operating income	$1,886,000	3,512
Securities gains (losses)	$87,000	2,698
Applicable income taxes	$739,000	2,953
Income before extraordinary items	$1,234,000	3,910
Extraordinary gains, net	$0	3,149
Net income	$1,234,000	4,011
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-47,000	12,633
Cash dividends	$1,000,000	1,731
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$1,178,320	3,887
1992-12-31 (YTD Data)		Rank
Total interest income	$5,495,000	5,900
Total interest expense	$2,532,000	5,931
Net interest income	$2,963,000	5,778
Provision for loan and lease losses	$0	11,756
Total noninterest income	$316,000	7,507
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$205,000	5,892
Trading account gains and fees	NA	NA
Additional Noninterest Income	$111,000	7,728
Total noninterest expense	$1,551,000	7,733
Salaries and employee benefits	$578,000	9,005
Premises and equipment expense	$135,000	9,539
Additional noninterest expense	$838,000	5,845
Pre-tax net operating income	$1,728,000	3,557
Securities gains (losses)	$178,000	2,175
Applicable income taxes	$703,000	2,964
Income before extraordinary items	$1,203,000	3,798
Extraordinary gains, net	$0	1,422
Net income	$1,203,000	3,841
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-15,000	12,970
Cash dividends	$500,000	2,760
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$1,089,080	3,860

* 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.