Home > Commerce Bank > Income and Expense

Commerce Bank, Income and Expense

2008-03-31 (YTD Data)		Rank
Total interest income	$572,512,000	44
Total interest expense	$217,760,000	52
Net interest income	$354,752,000	41
Provision for loan and lease losses	$43,500,000	71
Total noninterest income	$158,850,000	46
Gross Fiduciary activities income	$4,472,000	67
Service charges on deposit accounts	$59,052,000	22
Trading account gains and fees	$4,770,000	35
Additional Noninterest Income	$90,556,000	55
Total noninterest expense	$461,150,000	28
Salaries and employee benefits	$213,536,000	29
Premises and equipment expense	$128,662,000	12
Additional noninterest expense	$118,952,000	46
Pre-tax net operating income	$8,952,000	252
Securities gains (losses)	$-2,408,000	8,472
Applicable income taxes	$7,702,000	124
Income before extraordinary items	$-1,158,000	8,327
Extraordinary gains, net	$0	15
Net income	$-1,158,000	8,327
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$51,587,000	46
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$383,120	3,197
2007-12-31 (YTD Data)		Rank
Total interest income	$2,407,082,000	39
Total interest expense	$1,159,414,000	43
Net interest income	$1,247,668,000	41
Provision for loan and lease losses	$97,550,000	62
Total noninterest income	$579,738,000	43
Gross Fiduciary activities income	$13,253,000	87
Service charges on deposit accounts	$227,396,000	21
Trading account gains and fees	$18,479,000	31
Additional Noninterest Income	$320,610,000	47
Total noninterest expense	$1,424,494,000	38
Salaries and employee benefits	$617,539,000	31
Premises and equipment expense	$387,389,000	17
Additional noninterest expense	$419,566,000	51
Pre-tax net operating income	$305,362,000	58
Securities gains (losses)	$-165,846,000	8,526
Applicable income taxes	$43,527,000	106
Income before extraordinary items	$95,989,000	106
Extraordinary gains, net	$0	39
Net income	$95,989,000	105
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$43,231,000	83
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$210,422,740	58
2007-09-30 (YTD Data)		Rank
Total interest income	$1,792,543,000	41
Total interest expense	$877,422,000	43
Net interest income	$915,121,000	41
Provision for loan and lease losses	$44,050,000	67
Total noninterest income	$424,875,000	46
Gross Fiduciary activities income	$9,657,000	89
Service charges on deposit accounts	$165,537,000	21
Trading account gains and fees	$14,184,000	33
Additional Noninterest Income	$235,497,000	51
Total noninterest expense	$1,029,890,000	39
Salaries and employee benefits	$451,015,000	33
Premises and equipment expense	$280,082,000	17
Additional noninterest expense	$298,793,000	49
Pre-tax net operating income	$266,056,000	60
Securities gains (losses)	$-163,163,000	8,557
Applicable income taxes	$31,457,000	123
Income before extraordinary items	$71,436,000	121
Extraordinary gains, net	$0	33
Net income	$71,436,000	120
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$21,772,000	87
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$184,018,470	58
2007-06-30 (YTD Data)		Rank
Total interest income	$1,173,682,000	40
Total interest expense	$568,921,000	42
Net interest income	$604,761,000	41
Provision for loan and lease losses	$19,550,000	77
Total noninterest income	$273,545,000	49
Gross Fiduciary activities income	$6,402,000	91
Service charges on deposit accounts	$106,066,000	23
Trading account gains and fees	$4,896,000	46
Additional Noninterest Income	$156,181,000	55
Total noninterest expense	$670,418,000	37
Salaries and employee benefits	$294,562,000	34
Premises and equipment expense	$182,083,000	16
Additional noninterest expense	$193,773,000	52
Pre-tax net operating income	$188,338,000	65
Securities gains (losses)	$2,259,000	73
Applicable income taxes	$66,217,000	61
Income before extraordinary items	$124,380,000	64
Extraordinary gains, net	$0	29
Net income	$124,380,000	64
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,547,000	85
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$122,911,650	65
2007-03-31 (YTD Data)		Rank
Total interest income	$576,108,000	40
Total interest expense	$277,910,000	42
Net interest income	$298,198,000	40
Provision for loan and lease losses	$8,500,000	75
Total noninterest income	$128,505,000	51
Gross Fiduciary activities income	$3,408,000	87
Service charges on deposit accounts	$47,902,000	25
Trading account gains and fees	$2,835,000	46
Additional Noninterest Income	$74,360,000	52
Total noninterest expense	$321,864,000	37
Salaries and employee benefits	$145,576,000	35
Premises and equipment expense	$89,698,000	16
Additional noninterest expense	$86,590,000	57
Pre-tax net operating income	$96,339,000	62
Securities gains (losses)	$2,259,000	45
Applicable income taxes	$33,965,000	60
Income before extraordinary items	$64,633,000	65
Extraordinary gains, net	$0	22
Net income	$64,633,000	66
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,470,000	86
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$63,142,060	63
2006-12-31 (YTD Data)		Rank
Total interest income	$2,076,613,000	40
Total interest expense	$933,467,000	46
Net interest income	$1,143,146,000	40
Provision for loan and lease losses	$30,700,000	71
Total noninterest income	$467,545,000	54
Gross Fiduciary activities income	$12,331,000	90
Service charges on deposit accounts	$182,292,000	26
Trading account gains and fees	$9,582,000	42
Additional Noninterest Income	$263,340,000	58
Total noninterest expense	$1,194,823,000	37
Salaries and employee benefits	$526,908,000	33
Premises and equipment expense	$317,404,000	18
Additional noninterest expense	$350,511,000	52
Pre-tax net operating income	$385,168,000	61
Securities gains (losses)	$2,190,000	104
Applicable income taxes	$142,322,000	59
Income before extraordinary items	$245,036,000	65
Extraordinary gains, net	$0	51
Net income	$245,036,000	65
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,143,000	99
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$243,634,400	64
2006-09-30 (YTD Data)		Rank
Total interest income	$1,520,880,000	46
Total interest expense	$670,029,000	50
Net interest income	$850,851,000	45
Provision for loan and lease losses	$20,500,000	77
Total noninterest income	$336,126,000	62
Gross Fiduciary activities income	$8,905,000	98
Service charges on deposit accounts	$132,668,000	27
Trading account gains and fees	$6,543,000	46
Additional Noninterest Income	$188,010,000	66
Total noninterest expense	$872,739,000	43
Salaries and employee benefits	$387,018,000	36
Premises and equipment expense	$229,215,000	18
Additional noninterest expense	$256,506,000	60
Pre-tax net operating income	$293,738,000	71
Securities gains (losses)	$0	1,388
Applicable income taxes	$98,025,000	71
Income before extraordinary items	$195,713,000	71
Extraordinary gains, net	$0	45
Net income	$195,713,000	71
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,812,000	105
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$195,713,000	67
2006-06-30 (YTD Data)		Rank
Total interest income	$974,894,000	49
Total interest expense	$413,294,000	52
Net interest income	$561,600,000	45
Provision for loan and lease losses	$11,001,000	88
Total noninterest income	$215,103,000	66
Gross Fiduciary activities income	$5,642,000	104
Service charges on deposit accounts	$85,308,000	28
Trading account gains and fees	$3,499,000	49
Additional Noninterest Income	$120,654,000	69
Total noninterest expense	$571,759,000	44
Salaries and employee benefits	$253,914,000	38
Premises and equipment expense	$148,376,000	17
Additional noninterest expense	$169,469,000	58
Pre-tax net operating income	$193,943,000	74
Securities gains (losses)	$0	1,185
Applicable income taxes	$65,222,000	75
Income before extraordinary items	$128,721,000	73
Extraordinary gains, net	$0	39
Net income	$128,721,000	73
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,994,000	103
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$128,721,000	70
2006-03-31 (YTD Data)		Rank
Total interest income	$462,977,000	47
Total interest expense	$187,155,000	51
Net interest income	$275,822,000	44
Provision for loan and lease losses	$5,001,000	86
Total noninterest income	$101,060,000	67
Gross Fiduciary activities income	$2,694,000	105
Service charges on deposit accounts	$40,195,000	29
Trading account gains and fees	$1,577,000	47
Additional Noninterest Income	$56,594,000	70
Total noninterest expense	$278,212,000	46
Salaries and employee benefits	$125,741,000	40
Premises and equipment expense	$72,789,000	18
Additional noninterest expense	$79,682,000	57
Pre-tax net operating income	$93,669,000	73
Securities gains (losses)	$0	955
Applicable income taxes	$31,398,000	78
Income before extraordinary items	$62,271,000	75
Extraordinary gains, net	$0	21
Net income	$62,271,000	76
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,712,000	92
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$62,271,000	73
2005-12-31 (YTD Data)		Rank
Total interest income	$1,503,502,000	49
Total interest expense	$463,217,000	63
Net interest income	$1,040,285,000	41
Provision for loan and lease losses	$16,550,000	102
Total noninterest income	$360,922,000	70
Gross Fiduciary activities income	$10,101,000	105
Service charges on deposit accounts	$139,626,000	31
Trading account gains and fees	$6,367,000	46
Additional Noninterest Income	$204,828,000	71
Total noninterest expense	$1,028,544,000	45
Salaries and employee benefits	$457,490,000	38
Premises and equipment expense	$260,594,000	18
Additional noninterest expense	$310,460,000	55
Pre-tax net operating income	$356,113,000	77
Securities gains (losses)	$-10,672,000	8,814
Applicable income taxes	$117,951,000	80
Income before extraordinary items	$227,490,000	80
Extraordinary gains, net	$0	46
Net income	$227,490,000	80
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,102,000	101
Cash dividends	$5,000,000	658
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$234,533,520	74
2005-09-30 (YTD Data)		Rank
Total interest income	$1,073,926,000	50
Total interest expense	$302,057,000	65
Net interest income	$771,869,000	43
Provision for loan and lease losses	$12,050,000	103
Total noninterest income	$261,073,000	72
Gross Fiduciary activities income	$7,552,000	105
Service charges on deposit accounts	$98,402,000	33
Trading account gains and fees	$5,070,000	42
Additional Noninterest Income	$150,049,000	72
Total noninterest expense	$744,319,000	45
Salaries and employee benefits	$331,622,000	40
Premises and equipment expense	$186,435,000	19
Additional noninterest expense	$226,262,000	59
Pre-tax net operating income	$276,573,000	71
Securities gains (losses)	$9,948,000	53
Applicable income taxes	$97,888,000	75
Income before extraordinary items	$188,633,000	73
Extraordinary gains, net	$0	35
Net income	$188,633,000	72
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,801,000	107
Cash dividends	$5,000,000	473
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$182,067,320	72
2005-06-30 (YTD Data)		Rank
Total interest income	$554,170,000	64
Total interest expense	$140,746,000	85
Net interest income	$413,424,000	54
Provision for loan and lease losses	$7,113,000	107
Total noninterest income	$149,597,000	81
Gross Fiduciary activities income	$4,535,000	108
Service charges on deposit accounts	$48,900,000	39
Trading account gains and fees	$3,776,000	42
Additional Noninterest Income	$92,386,000	74
Total noninterest expense	$416,160,000	52
Salaries and employee benefits	$189,101,000	44
Premises and equipment expense	$103,722,000	22
Additional noninterest expense	$123,337,000	67
Pre-tax net operating income	$139,748,000	87
Securities gains (losses)	$3,791,000	72
Applicable income taxes	$49,394,000	92
Income before extraordinary items	$94,145,000	93
Extraordinary gains, net	$0	30
Net income	$94,145,000	93
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,457,000	159
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$91,642,940	89
2005-03-31 (YTD Data)		Rank
Total interest income	$262,177,000	67
Total interest expense	$63,235,000	89
Net interest income	$198,942,000	57
Provision for loan and lease losses	$3,923,000	93
Total noninterest income	$68,487,000	83
Gross Fiduciary activities income	$2,195,000	112
Service charges on deposit accounts	$21,892,000	44
Trading account gains and fees	$1,914,000	46
Additional Noninterest Income	$42,486,000	84
Total noninterest expense	$194,687,000	53
Salaries and employee benefits	$88,968,000	47
Premises and equipment expense	$50,377,000	24
Additional noninterest expense	$55,342,000	72
Pre-tax net operating income	$68,819,000	92
Securities gains (losses)	$1,044,000	99
Applicable income taxes	$24,038,000	93
Income before extraordinary items	$45,825,000	98
Extraordinary gains, net	$0	24
Net income	$45,825,000	98
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,115,000	145
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$45,135,960	94
2004-12-31 (YTD Data)		Rank
Total interest income	$868,529,000	65
Total interest expense	$147,019,000	107
Net interest income	$721,510,000	57
Provision for loan and lease losses	$28,019,000	87
Total noninterest income	$246,624,000	89
Gross Fiduciary activities income	$8,950,000	111
Service charges on deposit accounts	$152,844,000	31
Trading account gains and fees	$7,087,000	42
Additional Noninterest Income	$77,743,000	133
Total noninterest expense	$706,434,000	56
Salaries and employee benefits	$322,410,000	46
Premises and equipment expense	$172,261,000	28
Additional noninterest expense	$211,763,000	74
Pre-tax net operating income	$233,681,000	96
Securities gains (losses)	$5,817,000	103
Applicable income taxes	$79,936,000	95
Income before extraordinary items	$159,562,000	101
Extraordinary gains, net	$0	34
Net income	$159,562,000	102
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,598,000	162
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$155,664,610	98
2004-09-30 (YTD Data)		Rank
Total interest income	$620,142,000	70
Total interest expense	$96,810,000	114
Net interest income	$523,332,000	62
Provision for loan and lease losses	$22,279,000	89
Total noninterest income	$182,198,000	97
Gross Fiduciary activities income	$7,132,000	109
Service charges on deposit accounts	$108,176,000	34
Trading account gains and fees	$7,834,000	41
Additional Noninterest Income	$59,056,000	139
Total noninterest expense	$515,176,000	57
Salaries and employee benefits	$235,531,000	49
Premises and equipment expense	$124,194,000	29
Additional noninterest expense	$155,451,000	79
Pre-tax net operating income	$168,075,000	101
Securities gains (losses)	$5,906,000	88
Applicable income taxes	$58,251,000	103
Income before extraordinary items	$115,730,000	108
Extraordinary gains, net	$0	26
Net income	$115,730,000	109
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,208,000	187
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$111,772,980	103
2004-06-30 (YTD Data)		Rank
Total interest income	$391,757,000	75
Total interest expense	$58,155,000	125
Net interest income	$333,602,000	67
Provision for loan and lease losses	$15,143,000	90
Total noninterest income	$119,590,000	103
Gross Fiduciary activities income	$4,920,000	108
Service charges on deposit accounts	$68,436,000	37
Trading account gains and fees	$4,041,000	41
Additional Noninterest Income	$42,193,000	132
Total noninterest expense	$328,582,000	60
Salaries and employee benefits	$149,283,000	54
Premises and equipment expense	$79,376,000	31
Additional noninterest expense	$99,923,000	81
Pre-tax net operating income	$109,467,000	104
Securities gains (losses)	$5,164,000	77
Applicable income taxes	$38,355,000	107
Income before extraordinary items	$76,276,000	107
Extraordinary gains, net	$0	21
Net income	$76,276,000	108
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,321,000	165
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$72,816,120	105
2004-03-31 (YTD Data)		Rank
Total interest income	$154,019,000	86
Total interest expense	$23,434,000	136
Net interest income	$130,585,000	74
Provision for loan and lease losses	$5,795,000	103
Total noninterest income	$51,971,000	106
Gross Fiduciary activities income	$2,444,000	108
Service charges on deposit accounts	$27,729,000	40
Trading account gains and fees	$2,955,000	39
Additional Noninterest Income	$18,843,000	133
Total noninterest expense	$146,019,000	72
Salaries and employee benefits	$67,814,000	61
Premises and equipment expense	$35,250,000	35
Additional noninterest expense	$42,955,000	85
Pre-tax net operating income	$30,742,000	142
Securities gains (losses)	$5,233,000	57
Applicable income taxes	$12,022,000	135
Income before extraordinary items	$23,953,000	137
Extraordinary gains, net	$0	16
Net income	$23,953,000	138
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,794,000	187
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$20,446,890	141
2003-12-31 (YTD Data)		Rank
Total interest income	$545,530,000	99
Total interest expense	$96,322,000	139
Net interest income	$449,208,000	79
Provision for loan and lease losses	$20,973,000	135
Total noninterest income	$207,789,000	108
Gross Fiduciary activities income	$8,743,000	116
Service charges on deposit accounts	$95,699,000	46
Trading account gains and fees	$7,081,000	50
Additional Noninterest Income	$96,266,000	124
Total noninterest expense	$522,475,000	76
Salaries and employee benefits	$245,226,000	64
Premises and equipment expense	$119,911,000	42
Additional noninterest expense	$157,338,000	94
Pre-tax net operating income	$113,549,000	145
Securities gains (losses)	$-465,000	9,129
Applicable income taxes	$35,251,000	160
Income before extraordinary items	$77,833,000	146
Extraordinary gains, net	$0	54
Net income	$77,833,000	147
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,624,000	255
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$78,153,850	138
2003-09-30 (YTD Data)		Rank
Total interest income	$400,498,000	102
Total interest expense	$73,511,000	141
Net interest income	$326,987,000	80
Provision for loan and lease losses	$13,524,000	153
Total noninterest income	$151,731,000	111
Gross Fiduciary activities income	$6,277,000	123
Service charges on deposit accounts	$68,253,000	48
Trading account gains and fees	$5,605,000	48
Additional Noninterest Income	$71,596,000	127
Total noninterest expense	$378,823,000	80
Salaries and employee benefits	$179,938,000	65
Premises and equipment expense	$83,744,000	45
Additional noninterest expense	$115,141,000	94
Pre-tax net operating income	$86,371,000	144
Securities gains (losses)	$902,000	476
Applicable income taxes	$27,066,000	158
Income before extraordinary items	$60,207,000	152
Extraordinary gains, net	$0	40
Net income	$60,207,000	152
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,426,000	250
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$59,584,620	141
2003-06-30 (YTD Data)		Rank
Total interest income	$261,804,000	104
Total interest expense	$49,764,000	143
Net interest income	$212,040,000	82
Provision for loan and lease losses	$9,549,000	148
Total noninterest income	$100,076,000	109
Gross Fiduciary activities income	$3,887,000	131
Service charges on deposit accounts	$43,802,000	50
Trading account gains and fees	$5,350,000	44
Additional Noninterest Income	$47,037,000	123
Total noninterest expense	$243,297,000	82
Salaries and employee benefits	$115,323,000	69
Premises and equipment expense	$53,446,000	46
Additional noninterest expense	$74,528,000	96
Pre-tax net operating income	$59,270,000	143
Securities gains (losses)	$-1,017,000	9,249
Applicable income taxes	$18,024,000	164
Income before extraordinary items	$40,229,000	149
Extraordinary gains, net	$0	30
Net income	$40,229,000	149
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,939,000	261
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$40,930,730	140
2003-03-31 (YTD Data)		Rank
Total interest income	$125,283,000	107
Total interest expense	$24,167,000	152
Net interest income	$101,116,000	89
Provision for loan and lease losses	$4,925,000	141
Total noninterest income	$47,628,000	111
Gross Fiduciary activities income	$1,657,000	143
Service charges on deposit accounts	$20,642,000	52
Trading account gains and fees	$3,067,000	41
Additional Noninterest Income	$22,262,000	133
Total noninterest expense	$114,988,000	83
Salaries and employee benefits	$55,987,000	70
Premises and equipment expense	$26,020,000	46
Additional noninterest expense	$32,981,000	103
Pre-tax net operating income	$28,831,000	146
Securities gains (losses)	$0	2,891
Applicable income taxes	$8,905,000	169
Income before extraordinary items	$19,926,000	149
Extraordinary gains, net	$0	21
Net income	$19,926,000	149
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,639,000	246
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$19,926,000	141
2002-12-31 (YTD Data)		Rank
Total interest income	$423,219,000	130
Total interest expense	$98,021,000	166
Net interest income	$325,198,000	110
Provision for loan and lease losses	$23,822,000	147
Total noninterest income	$153,699,000	120
Gross Fiduciary activities income	$6,396,000	144
Service charges on deposit accounts	$74,319,000	57
Trading account gains and fees	$13,972,000	34
Additional Noninterest Income	$59,012,000	159
Total noninterest expense	$371,955,000	95
Salaries and employee benefits	$184,598,000	80
Premises and equipment expense	$72,047,000	61
Additional noninterest expense	$115,310,000	115
Pre-tax net operating income	$83,120,000	171
Securities gains (losses)	$0	4,537
Applicable income taxes	$25,236,000	187
Income before extraordinary items	$57,884,000	178
Extraordinary gains, net	$0	70
Net income	$57,884,000	178
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,373,000	279
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$57,884,000	164
2001-12-31 (YTD Data)		Rank
Total interest income	$357,928,000	155
Total interest expense	$123,487,000	190
Net interest income	$234,441,000	135
Provision for loan and lease losses	$19,031,000	166
Total noninterest income	$111,253,000	145
Gross Fiduciary activities income	$2,367,000	266
Service charges on deposit accounts	$58,601,000	59
Trading account gains and fees	$3,905,000	53
Additional Noninterest Income	$46,380,000	186
Total noninterest expense	$251,683,000	119
Salaries and employee benefits	$123,973,000	96
Premises and equipment expense	$51,427,000	75
Additional noninterest expense	$76,283,000	164
Pre-tax net operating income	$74,980,000	172
Securities gains (losses)	$642,000	535
Applicable income taxes	$22,568,000	190
Income before extraordinary items	$53,054,000	178
Extraordinary gains, net	$0	105
Net income	$53,054,000	177
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,625,000	287
Cash dividends	$17,600,000	256
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$52,604,600	169
2000-12-31 (YTD Data)		Rank
Total interest income	$281,200,000	199
Total interest expense	$119,008,000	230
Net interest income	$162,192,000	173
Provision for loan and lease losses	$8,976,000	217
Total noninterest income	$81,341,000	175
Gross Fiduciary activities income	$1,751,000	306
Service charges on deposit accounts	$44,772,000	70
Trading account gains and fees	$14,014,000	33
Additional Noninterest Income	$20,804,000	282
Total noninterest expense	$172,279,000	159
Salaries and employee benefits	$80,146,000	135
Premises and equipment expense	$37,332,000	103
Additional noninterest expense	$54,801,000	195
Pre-tax net operating income	$62,278,000	197
Securities gains (losses)	$814,000	184
Applicable income taxes	$19,104,000	216
Income before extraordinary items	$43,988,000	187
Extraordinary gains, net	$0	38
Net income	$43,988,000	187
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,628,000	535
Cash dividends	$1,300,000	1,851
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$43,418,200	193
1999-12-31 (YTD Data)		Rank
Total interest income	$218,233,000	216
Total interest expense	$77,931,000	270
Net interest income	$140,302,000	191
Provision for loan and lease losses	$5,360,000	292
Total noninterest income	$44,465,000	247
Gross Fiduciary activities income	$1,185,000	424
Service charges on deposit accounts	$35,085,000	80
Trading account gains and fees	$707,000	88
Additional Noninterest Income	$7,488,000	516
Total noninterest expense	$126,971,000	189
Salaries and employee benefits	$61,633,000	163
Premises and equipment expense	$28,690,000	125
Additional noninterest expense	$36,648,000	245
Pre-tax net operating income	$52,436,000	237
Securities gains (losses)	$876,000	238
Applicable income taxes	$17,201,000	258
Income before extraordinary items	$36,111,000	238
Extraordinary gains, net	$0	35
Net income	$36,111,000	239
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,616,000	516
Cash dividends	$3,500,000	850
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$35,515,320	238
1998-12-31 (YTD Data)		Rank
Total interest income	$191,472,000	232
Total interest expense	$74,450,000	276
Net interest income	$117,022,000	203
Provision for loan and lease losses	$3,743,000	396
Total noninterest income	$37,052,000	261
Gross Fiduciary activities income	$724,000	539
Service charges on deposit accounts	$27,537,000	91
Trading account gains and fees	$1,873,000	80
Additional Noninterest Income	$6,918,000	529
Total noninterest expense	$107,092,000	217
Salaries and employee benefits	$49,051,000	179
Premises and equipment expense	$24,075,000	132
Additional noninterest expense	$33,966,000	259
Pre-tax net operating income	$43,239,000	247
Securities gains (losses)	$2,045,000	228
Applicable income taxes	$15,427,000	252
Income before extraordinary items	$29,857,000	251
Extraordinary gains, net	$0	32
Net income	$29,857,000	252
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$409,000	1,480
Cash dividends	$8,900,000	424
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$28,507,300	251
1997-12-31 (YTD Data)		Rank
Total interest income	$163,919,000	273
Total interest expense	$63,223,000	325
Net interest income	$100,696,000	234
Provision for loan and lease losses	$3,725,000	377
Total noninterest income	$30,250,000	277
Gross Fiduciary activities income	$454,000	684
Service charges on deposit accounts	$21,859,000	107
Trading account gains and fees	$3,128,000	61
Additional Noninterest Income	$4,809,000	632
Total noninterest expense	$85,846,000	236
Salaries and employee benefits	$40,853,000	204
Premises and equipment expense	$20,693,000	149
Additional noninterest expense	$24,300,000	301
Pre-tax net operating income	$41,375,000	265
Securities gains (losses)	$1,624,000	217
Applicable income taxes	$15,156,000	264
Income before extraordinary items	$27,843,000	267
Extraordinary gains, net	$0	44
Net income	$27,843,000	267
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,238,000	690
Cash dividends	$12,449,000	320
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$26,787,400	265
1996-12-31 (YTD Data)		Rank
Total interest income	$137,992,000	341
Total interest expense	$51,287,000	414
Net interest income	$86,705,000	286
Provision for loan and lease losses	$2,414,000	536
Total noninterest income	$22,736,000	357
Gross Fiduciary activities income	$191,000	985
Service charges on deposit accounts	$17,772,000	136
Trading account gains and fees	$807,000	105
Additional Noninterest Income	$3,966,000	740
Total noninterest expense	$73,306,000	304
Salaries and employee benefits	$33,017,000	256
Premises and equipment expense	$17,852,000	185
Additional noninterest expense	$22,437,000	395
Pre-tax net operating income	$33,721,000	321
Securities gains (losses)	$723,000	333
Applicable income taxes	$12,204,000	314
Income before extraordinary items	$22,240,000	318
Extraordinary gains, net	$0	53
Net income	$22,240,000	318
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,729,000	629
Cash dividends	$11,407,000	392
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$21,770,050	314
1995-12-31 (YTD Data)		Rank
Total interest income	$133,176,000	360
Total interest expense	$54,930,000	409
Net interest income	$78,246,000	318
Provision for loan and lease losses	$2,093,000	558
Total noninterest income	$18,524,000	423
Gross Fiduciary activities income	$204,000	1,001
Service charges on deposit accounts	$13,551,000	179
Trading account gains and fees	$540,000	167
Additional Noninterest Income	$4,229,000	738
Total noninterest expense	$62,440,000	347
Salaries and employee benefits	$28,370,000	308
Premises and equipment expense	$14,392,000	220
Additional noninterest expense	$19,678,000	431
Pre-tax net operating income	$32,237,000	339
Securities gains (losses)	$0	3,831
Applicable income taxes	$11,608,000	339
Income before extraordinary items	$20,629,000	345
Extraordinary gains, net	$0	65
Net income	$20,629,000	344
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$858,000	970
Cash dividends	$8,203,000	445
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$20,629,000	342
1994-12-31 (YTD Data)		Rank
Total interest income	$120,788,000	351
Total interest expense	$46,052,000	388
Net interest income	$74,736,000	324
Provision for loan and lease losses	$3,694,000	359
Total noninterest income	$14,780,000	448
Gross Fiduciary activities income	$376,000	825
Service charges on deposit accounts	$10,956,000	207
Trading account gains and fees	$0	475
Additional Noninterest Income	$3,448,000	804
Total noninterest expense	$59,541,000	359
Salaries and employee benefits	$25,202,000	338
Premises and equipment expense	$13,229,000	231
Additional noninterest expense	$21,110,000	424
Pre-tax net operating income	$26,281,000	368
Securities gains (losses)	$0	3,600
Applicable income taxes	$9,468,000	359
Income before extraordinary items	$16,813,000	365
Extraordinary gains, net	$0	249
Net income	$16,813,000	365
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,848,000	588
Cash dividends	$1,400,000	1,471
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$16,813,000	372
1993-12-31 (YTD Data)		Rank
Total interest income	$88,460,000	434
Total interest expense	$32,766,000	495
Net interest income	$55,694,000	403
Provision for loan and lease losses	$5,093,000	430
Total noninterest income	$12,569,000	518
Gross Fiduciary activities income	$214,000	1,045
Service charges on deposit accounts	$8,740,000	224
Trading account gains and fees	$0	532
Additional Noninterest Income	$3,615,000	846
Total noninterest expense	$46,134,000	431
Salaries and employee benefits	$19,889,000	389
Premises and equipment expense	$9,378,000	309
Additional noninterest expense	$16,867,000	531
Pre-tax net operating income	$17,036,000	467
Securities gains (losses)	$1,814,000	345
Applicable income taxes	$6,714,000	437
Income before extraordinary items	$12,136,000	459
Extraordinary gains, net	$0	3,149
Net income	$12,136,000	472
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,011,000	418
Cash dividends	$2,513,000	825
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$10,975,040	479
1992-12-31 (YTD Data)		Rank
Total interest income	$67,168,000	611
Total interest expense	$28,262,000	679
Net interest income	$38,906,000	540
Provision for loan and lease losses	$5,234,000	574
Total noninterest income	$9,841,000	605
Gross Fiduciary activities income	$127,000	1,201
Service charges on deposit accounts	$7,710,000	242
Trading account gains and fees	$0	504
Additional Noninterest Income	$2,004,000	1,238
Total noninterest expense	$33,023,000	563
Salaries and employee benefits	$14,838,000	496
Premises and equipment expense	$7,317,000	380
Additional noninterest expense	$10,868,000	720
Pre-tax net operating income	$10,490,000	611
Securities gains (losses)	$0	8,369
Applicable income taxes	$3,218,000	726
Income before extraordinary items	$7,272,000	651
Extraordinary gains, net	$0	1,422
Net income	$7,272,000	646
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,468,000	498
Cash dividends	$3,372,000	528
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$7,272,000	598

* 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.