Home > Commerce Bank > Income and Expense
Commerce Bank, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,688,000 | 4,625 |
| Total interest expense | $890,000 | 6,133 |
| Net interest income | $2,798,000 | 3,722 |
| Provision for loan and lease losses | $173,000 | 2,411 |
| Total noninterest income | $362,000 | 4,250 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $203,000 | 3,494 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $159,000 | 4,210 |
| Total noninterest expense | $1,853,000 | 4,355 |
| Salaries and employee benefits | $1,025,000 | 4,345 |
| Premises and equipment expense | $368,000 | 3,306 |
| Additional noninterest expense | $460,000 | 4,846 |
| Pre-tax net operating income | $1,134,000 | 3,233 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $1,134,000 | 2,766 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,134,000 | 2,765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $173,000 | 1,479 |
| Cash dividends | $1,542,000 | 1,092 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,134,000 | 2,748 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,790,000 | 4,709 |
| Total interest expense | $386,000 | 6,444 |
| Net interest income | $1,404,000 | 3,716 |
| Provision for loan and lease losses | $11,000 | 4,971 |
| Total noninterest income | $171,000 | 4,339 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $99,000 | 3,475 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $72,000 | 4,403 |
| Total noninterest expense | $959,000 | 4,259 |
| Salaries and employee benefits | $509,000 | 4,382 |
| Premises and equipment expense | $202,000 | 3,085 |
| Additional noninterest expense | $248,000 | 4,564 |
| Pre-tax net operating income | $605,000 | 3,096 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $605,000 | 2,611 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $605,000 | 2,613 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 3,041 |
| Cash dividends | $595,000 | 1,252 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $605,000 | 2,592 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $6,866,000 | 4,623 |
| Total interest expense | $1,214,000 | 6,568 |
| Net interest income | $5,652,000 | 3,678 |
| Provision for loan and lease losses | $56,000 | 5,483 |
| Total noninterest income | $769,000 | 4,163 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $462,000 | 3,238 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $307,000 | 4,256 |
| Total noninterest expense | $3,818,000 | 4,122 |
| Salaries and employee benefits | $1,904,000 | 4,435 |
| Premises and equipment expense | $847,000 | 2,858 |
| Additional noninterest expense | $1,067,000 | 4,309 |
| Pre-tax net operating income | $2,547,000 | 3,092 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $-4,000 | 8,160 |
| Income before extraordinary items | $2,551,000 | 2,574 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,551,000 | 2,575 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,935 |
| Cash dividends | $2,409,000 | 1,334 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,551,000 | 2,558 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,078,000 | 4,650 |
| Total interest expense | $846,000 | 6,680 |
| Net interest income | $4,232,000 | 3,704 |
| Provision for loan and lease losses | $56,000 | 4,951 |
| Total noninterest income | $585,000 | 4,127 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $357,000 | 3,173 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $228,000 | 4,263 |
| Total noninterest expense | $2,846,000 | 4,129 |
| Salaries and employee benefits | $1,429,000 | 4,403 |
| Premises and equipment expense | $640,000 | 2,853 |
| Additional noninterest expense | $777,000 | 4,366 |
| Pre-tax net operating income | $1,915,000 | 3,211 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $-4,000 | 8,388 |
| Income before extraordinary items | $1,919,000 | 2,654 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,919,000 | 2,657 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,294 |
| Cash dividends | $1,840,000 | 1,230 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,919,000 | 2,646 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,328,000 | 4,659 |
| Total interest expense | $525,000 | 6,752 |
| Net interest income | $2,803,000 | 3,730 |
| Provision for loan and lease losses | $37,000 | 4,826 |
| Total noninterest income | $376,000 | 4,197 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $219,000 | 3,345 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $157,000 | 4,214 |
| Total noninterest expense | $1,867,000 | 4,195 |
| Salaries and employee benefits | $954,000 | 4,413 |
| Premises and equipment expense | $419,000 | 2,886 |
| Additional noninterest expense | $494,000 | 4,524 |
| Pre-tax net operating income | $1,275,000 | 3,217 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $-4,000 | 8,452 |
| Income before extraordinary items | $1,279,000 | 2,646 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,279,000 | 2,648 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,137 |
| Cash dividends | $1,233,000 | 1,220 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,279,000 | 2,634 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,622,000 | 4,677 |
| Total interest expense | $247,000 | 6,802 |
| Net interest income | $1,375,000 | 3,785 |
| Provision for loan and lease losses | $19,000 | 4,620 |
| Total noninterest income | $179,000 | 4,217 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $109,000 | 3,301 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $70,000 | 4,434 |
| Total noninterest expense | $905,000 | 4,303 |
| Salaries and employee benefits | $465,000 | 4,515 |
| Premises and equipment expense | $206,000 | 2,949 |
| Additional noninterest expense | $234,000 | 4,666 |
| Pre-tax net operating income | $630,000 | 3,206 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $-4,000 | 8,482 |
| Income before extraordinary items | $634,000 | 2,632 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $634,000 | 2,632 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 3,919 |
| Cash dividends | $607,000 | 1,135 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $634,000 | 2,612 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,828,000 | 4,683 |
| Total interest expense | $769,000 | 6,872 |
| Net interest income | $5,059,000 | 3,922 |
| Provision for loan and lease losses | $50,000 | 5,734 |
| Total noninterest income | $849,000 | 3,916 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $543,000 | 2,880 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $306,000 | 4,293 |
| Total noninterest expense | $3,649,000 | 4,155 |
| Salaries and employee benefits | $1,888,000 | 4,301 |
| Premises and equipment expense | $821,000 | 2,834 |
| Additional noninterest expense | $940,000 | 4,624 |
| Pre-tax net operating income | $2,209,000 | 3,450 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $2,209,000 | 2,838 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,209,000 | 2,839 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 3,950 |
| Cash dividends | $2,162,000 | 1,370 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,209,000 | 2,807 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,230,000 | 4,746 |
| Total interest expense | $559,000 | 6,860 |
| Net interest income | $3,671,000 | 4,014 |
| Provision for loan and lease losses | $38,000 | 5,602 |
| Total noninterest income | $627,000 | 3,966 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $413,000 | 2,843 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $214,000 | 4,453 |
| Total noninterest expense | $2,729,000 | 4,122 |
| Salaries and employee benefits | $1,407,000 | 4,296 |
| Premises and equipment expense | $610,000 | 2,844 |
| Additional noninterest expense | $712,000 | 4,574 |
| Pre-tax net operating income | $1,531,000 | 3,692 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $1,531,000 | 3,077 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,531,000 | 3,078 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 4,418 |
| Cash dividends | $1,487,000 | 1,370 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,531,000 | 3,042 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,737,000 | 4,793 |
| Total interest expense | $348,000 | 6,908 |
| Net interest income | $2,389,000 | 4,064 |
| Provision for loan and lease losses | $25,000 | 5,445 |
| Total noninterest income | $409,000 | 3,999 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $278,000 | 2,766 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $131,000 | 4,607 |
| Total noninterest expense | $1,809,000 | 4,126 |
| Salaries and employee benefits | $935,000 | 4,287 |
| Premises and equipment expense | $397,000 | 2,866 |
| Additional noninterest expense | $477,000 | 4,537 |
| Pre-tax net operating income | $964,000 | 3,808 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $964,000 | 3,178 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $964,000 | 3,179 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,061 |
| Cash dividends | $956,000 | 1,376 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $964,000 | 3,130 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,330,000 | 4,845 |
| Total interest expense | $165,000 | 6,986 |
| Net interest income | $1,165,000 | 4,157 |
| Provision for loan and lease losses | $13,000 | 5,229 |
| Total noninterest income | $190,000 | 4,107 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $137,000 | 2,743 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $53,000 | 5,055 |
| Total noninterest expense | $880,000 | 4,236 |
| Salaries and employee benefits | $458,000 | 4,383 |
| Premises and equipment expense | $198,000 | 2,904 |
| Additional noninterest expense | $224,000 | 4,712 |
| Pre-tax net operating income | $462,000 | 3,883 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $462,000 | 3,243 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $462,000 | 3,244 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,435 |
| Cash dividends | $507,000 | 1,190 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $462,000 | 3,200 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,126,000 | 4,757 |
| Total interest expense | $452,000 | 7,487 |
| Net interest income | $4,674,000 | 4,007 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $918,000 | 3,743 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $699,000 | 2,370 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $219,000 | 4,918 |
| Total noninterest expense | $3,620,000 | 4,068 |
| Salaries and employee benefits | $1,912,000 | 4,143 |
| Premises and equipment expense | $801,000 | 2,783 |
| Additional noninterest expense | $907,000 | 4,669 |
| Pre-tax net operating income | $1,972,000 | 3,534 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $1,972,000 | 2,954 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,972,000 | 2,954 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 8,326 |
| Cash dividends | $2,041,000 | 1,322 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,972,000 | 2,894 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,807,000 | 4,782 |
| Total interest expense | $310,000 | 7,652 |
| Net interest income | $3,497,000 | 4,006 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $714,000 | 3,686 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $547,000 | 2,323 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $167,000 | 4,888 |
| Total noninterest expense | $2,700,000 | 4,056 |
| Salaries and employee benefits | $1,421,000 | 4,130 |
| Premises and equipment expense | $600,000 | 2,781 |
| Additional noninterest expense | $679,000 | 4,637 |
| Pre-tax net operating income | $1,511,000 | 3,562 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $1,511,000 | 2,935 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,511,000 | 2,936 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 8,290 |
| Cash dividends | $1,644,000 | 1,166 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,511,000 | 2,859 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,516,000 | 4,824 |
| Total interest expense | $182,000 | 7,912 |
| Net interest income | $2,334,000 | 3,994 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $481,000 | 3,662 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $369,000 | 2,291 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $112,000 | 4,941 |
| Total noninterest expense | $1,799,000 | 4,078 |
| Salaries and employee benefits | $959,000 | 4,111 |
| Premises and equipment expense | $400,000 | 2,787 |
| Additional noninterest expense | $440,000 | 4,757 |
| Pre-tax net operating income | $1,016,000 | 3,493 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $1,016,000 | 2,894 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,016,000 | 2,895 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 8,353 |
| Cash dividends | $1,162,000 | 1,112 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,016,000 | 2,814 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,237,000 | 4,898 |
| Total interest expense | $85,000 | 8,087 |
| Net interest income | $1,152,000 | 4,023 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $228,000 | 3,729 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $172,000 | 2,379 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $56,000 | 4,886 |
| Total noninterest expense | $885,000 | 4,145 |
| Salaries and employee benefits | $487,000 | 4,094 |
| Premises and equipment expense | $200,000 | 2,811 |
| Additional noninterest expense | $198,000 | 5,107 |
| Pre-tax net operating income | $495,000 | 3,548 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $495,000 | 2,963 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $495,000 | 2,963 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 8,539 |
| Cash dividends | $658,000 | 951 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $495,000 | 2,861 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,970,000 | 4,915 |
| Total interest expense | $426,000 | 8,027 |
| Net interest income | $4,544,000 | 3,974 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $893,000 | 3,970 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $737,000 | 2,257 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $156,000 | 5,758 |
| Total noninterest expense | $3,377,000 | 4,243 |
| Salaries and employee benefits | $1,733,000 | 4,376 |
| Premises and equipment expense | $821,000 | 2,695 |
| Additional noninterest expense | $823,000 | 4,952 |
| Pre-tax net operating income | $2,060,000 | 3,331 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $2,060,000 | 2,801 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,060,000 | 2,802 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $107,000 | 3,940 |
| Cash dividends | $1,875,000 | 1,459 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,060,000 | 2,669 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,752,000 | 4,950 |
| Total interest expense | $333,000 | 8,105 |
| Net interest income | $3,419,000 | 3,977 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $750,000 | 3,787 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $568,000 | 2,226 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $182,000 | 4,974 |
| Total noninterest expense | $2,536,000 | 4,220 |
| Salaries and employee benefits | $1,311,000 | 4,339 |
| Premises and equipment expense | $610,000 | 2,737 |
| Additional noninterest expense | $615,000 | 4,922 |
| Pre-tax net operating income | $1,633,000 | 3,328 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $1,633,000 | 2,779 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,633,000 | 2,778 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 3,148 |
| Cash dividends | $1,688,000 | 1,160 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,633,000 | 2,633 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,555,000 | 4,913 |
| Total interest expense | $245,000 | 8,041 |
| Net interest income | $2,310,000 | 3,946 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $502,000 | 3,735 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $377,000 | 2,201 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $125,000 | 4,923 |
| Total noninterest expense | $1,706,000 | 4,179 |
| Salaries and employee benefits | $874,000 | 4,337 |
| Premises and equipment expense | $417,000 | 2,671 |
| Additional noninterest expense | $415,000 | 4,872 |
| Pre-tax net operating income | $1,106,000 | 3,273 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $1,106,000 | 2,755 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,106,000 | 2,754 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 2,447 |
| Cash dividends | $1,194,000 | 1,145 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,106,000 | 2,600 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,308,000 | 4,852 |
| Total interest expense | $133,000 | 7,992 |
| Net interest income | $1,175,000 | 3,891 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $238,000 | 3,750 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $190,000 | 2,105 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $48,000 | 5,346 |
| Total noninterest expense | $860,000 | 4,134 |
| Salaries and employee benefits | $434,000 | 4,363 |
| Premises and equipment expense | $207,000 | 2,693 |
| Additional noninterest expense | $219,000 | 4,642 |
| Pre-tax net operating income | $553,000 | 3,272 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $553,000 | 2,725 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $553,000 | 2,722 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $105,000 | 1,468 |
| Cash dividends | $566,000 | 1,098 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $553,000 | 2,591 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,576,000 | 4,793 |
| Total interest expense | $679,000 | 7,874 |
| Net interest income | $4,897,000 | 3,732 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $1,005,000 | 3,475 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $709,000 | 2,230 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $296,000 | 4,287 |
| Total noninterest expense | $3,414,000 | 4,051 |
| Salaries and employee benefits | $1,717,000 | 4,239 |
| Premises and equipment expense | $813,000 | 2,650 |
| Additional noninterest expense | $884,000 | 4,604 |
| Pre-tax net operating income | $2,488,000 | 2,890 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $2,000 | 7,560 |
| Income before extraordinary items | $2,486,000 | 2,367 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,486,000 | 2,366 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 6,572 |
| Cash dividends | $1,995,000 | 1,326 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,486,000 | 2,285 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,455,000 | 4,703 |
| Total interest expense | $1,428,000 | 7,126 |
| Net interest income | $5,027,000 | 3,413 |
| Provision for loan and lease losses | $100,000 | 5,578 |
| Total noninterest income | $1,025,000 | 3,279 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $700,000 | 2,142 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $325,000 | 3,939 |
| Total noninterest expense | $2,993,000 | 4,341 |
| Salaries and employee benefits | $1,529,000 | 4,448 |
| Premises and equipment expense | $692,000 | 2,968 |
| Additional noninterest expense | $772,000 | 4,908 |
| Pre-tax net operating income | $2,959,000 | 2,297 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $2,959,000 | 1,778 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,959,000 | 1,778 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 5,258 |
| Cash dividends | $3,029,000 | 910 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,959,000 | 1,708 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,234,000 | 4,461 |
| Total interest expense | $2,285,000 | 5,850 |
| Net interest income | $4,949,000 | 3,505 |
| Provision for loan and lease losses | $125,000 | 4,758 |
| Total noninterest income | $800,000 | 3,657 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $569,000 | 2,396 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $231,000 | 4,461 |
| Total noninterest expense | $3,020,000 | 4,204 |
| Salaries and employee benefits | $1,515,000 | 4,325 |
| Premises and equipment expense | $661,000 | 3,021 |
| Additional noninterest expense | $844,000 | 4,555 |
| Pre-tax net operating income | $2,604,000 | 2,676 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $2,604,000 | 2,006 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,604,000 | 2,005 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 6,414 |
| Cash dividends | $2,583,000 | 1,097 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,604,000 | 2,012 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,046,000 | 4,925 |
| Total interest expense | $1,530,000 | 6,903 |
| Net interest income | $4,516,000 | 3,776 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $740,000 | 3,818 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $547,000 | 2,433 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $193,000 | 5,023 |
| Total noninterest expense | $2,936,000 | 4,289 |
| Salaries and employee benefits | $1,508,000 | 4,316 |
| Premises and equipment expense | $629,000 | 3,124 |
| Additional noninterest expense | $799,000 | 4,788 |
| Pre-tax net operating income | $2,320,000 | 2,971 |
| Securities gains (losses) | $6,000 | 2,044 |
| Applicable income taxes | $7,000 | 8,560 |
| Income before extraordinary items | $2,319,000 | 2,254 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,319,000 | 2,255 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $116,000 | 3,314 |
| Cash dividends | $1,990,000 | 1,391 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,313,000 | 2,237 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,329,000 | 5,431 |
| Total interest expense | $1,220,000 | 7,854 |
| Net interest income | $4,109,000 | 4,040 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $705,000 | 3,960 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $533,000 | 2,404 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $172,000 | 5,341 |
| Total noninterest expense | $2,664,000 | 4,551 |
| Salaries and employee benefits | $1,369,000 | 4,569 |
| Premises and equipment expense | $591,000 | 3,217 |
| Additional noninterest expense | $704,000 | 5,144 |
| Pre-tax net operating income | $2,150,000 | 3,141 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $2,000 | 9,272 |
| Income before extraordinary items | $2,148,000 | 2,397 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,148,000 | 2,396 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-86,000 | 10,215 |
| Cash dividends | $2,110,000 | 1,267 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,148,000 | 2,316 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,717,000 | 6,029 |
| Total interest expense | $1,143,000 | 8,275 |
| Net interest income | $3,574,000 | 4,653 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $893,000 | 3,315 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $589,000 | 2,227 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $304,000 | 3,901 |
| Total noninterest expense | $2,521,000 | 4,754 |
| Salaries and employee benefits | $1,269,000 | 4,865 |
| Premises and equipment expense | $585,000 | 3,226 |
| Additional noninterest expense | $667,000 | 5,412 |
| Pre-tax net operating income | $1,946,000 | 3,631 |
| Securities gains (losses) | $-81,000 | 10,730 |
| Applicable income taxes | $194,000 | 6,963 |
| Income before extraordinary items | $1,671,000 | 3,042 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,671,000 | 3,041 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 7,455 |
| Cash dividends | $1,609,000 | 1,527 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,743,900 | 2,866 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,262,000 | 6,619 |
| Total interest expense | $976,000 | 9,096 |
| Net interest income | $3,286,000 | 5,091 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $862,000 | 3,498 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $596,000 | 2,274 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $266,000 | 4,378 |
| Total noninterest expense | $2,412,000 | 5,160 |
| Salaries and employee benefits | $1,192,000 | 5,237 |
| Premises and equipment expense | $592,000 | 3,252 |
| Additional noninterest expense | $628,000 | 6,182 |
| Pre-tax net operating income | $1,736,000 | 3,837 |
| Securities gains (losses) | $-2,000 | 9,485 |
| Applicable income taxes | $565,000 | 3,759 |
| Income before extraordinary items | $1,169,000 | 3,956 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,169,000 | 3,957 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-121,000 | 11,259 |
| Cash dividends | $83,000 | 6,999 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,170,340 | 3,904 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,013,000 | 6,986 |
| Total interest expense | $911,000 | 9,580 |
| Net interest income | $3,102,000 | 5,360 |
| Provision for loan and lease losses | $184,000 | 3,189 |
| Total noninterest income | $1,228,000 | 2,664 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $608,000 | 2,236 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $620,000 | 2,483 |
| Total noninterest expense | $2,339,000 | 5,280 |
| Salaries and employee benefits | $1,159,000 | 5,374 |
| Premises and equipment expense | $564,000 | 3,384 |
| Additional noninterest expense | $616,000 | 6,436 |
| Pre-tax net operating income | $1,807,000 | 3,832 |
| Securities gains (losses) | $-23,000 | 10,647 |
| Applicable income taxes | $546,000 | 3,928 |
| Income before extraordinary items | $1,238,000 | 3,855 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,238,000 | 3,853 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $183,000 | 2,640 |
| Cash dividends | $80,000 | 7,161 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,253,870 | 3,788 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,326,000 | 7,587 |
| Total interest expense | $731,000 | 9,922 |
| Net interest income | $2,595,000 | 6,282 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $1,316,000 | 2,551 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $635,000 | 2,131 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $681,000 | 2,379 |
| Total noninterest expense | $2,426,000 | 5,293 |
| Salaries and employee benefits | $1,174,000 | 5,347 |
| Premises and equipment expense | $553,000 | 3,501 |
| Additional noninterest expense | $699,000 | 6,322 |
| Pre-tax net operating income | $1,485,000 | 4,447 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $431,000 | 4,512 |
| Income before extraordinary items | $1,054,000 | 4,332 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,054,000 | 4,333 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-63,000 | 12,010 |
| Cash dividends | $71,000 | 7,518 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,054,000 | 4,395 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,102,000 | 8,167 |
| Total interest expense | $763,000 | 10,244 |
| Net interest income | $2,339,000 | 6,845 |
| Provision for loan and lease losses | $35,000 | 8,215 |
| Total noninterest income | $843,000 | 3,827 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $668,000 | 2,049 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $175,000 | 6,069 |
| Total noninterest expense | $2,420,000 | 5,409 |
| Salaries and employee benefits | $1,131,000 | 5,503 |
| Premises and equipment expense | $544,000 | 3,604 |
| Additional noninterest expense | $745,000 | 6,270 |
| Pre-tax net operating income | $727,000 | 7,221 |
| Securities gains (losses) | $5,000 | 6,132 |
| Applicable income taxes | $173,000 | 8,146 |
| Income before extraordinary items | $559,000 | 7,087 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $559,000 | 7,250 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 11,843 |
| Cash dividends | $284,000 | 4,571 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $555,200 | 6,853 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,361,000 | 8,388 |
| Total interest expense | $990,000 | 10,441 |
| Net interest income | $2,371,000 | 6,844 |
| Provision for loan and lease losses | $120,000 | 6,707 |
| Total noninterest income | $899,000 | 3,623 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $705,000 | 1,918 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $194,000 | 5,772 |
| Total noninterest expense | $2,187,000 | 5,952 |
| Salaries and employee benefits | $1,015,000 | 5,946 |
| Premises and equipment expense | $564,000 | 3,561 |
| Additional noninterest expense | $608,000 | 7,442 |
| Pre-tax net operating income | $963,000 | 5,790 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $297,000 | 5,965 |
| Income before extraordinary items | $666,000 | 6,130 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $666,000 | 6,196 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 6,342 |
| Cash dividends | $304,000 | 3,967 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $666,000 | 5,783 |
* 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.