Home > Commerce Bank/North > Income and Expense
Commerce Bank/North, Income and Expense
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $61,641,000 | 205 |
| Total interest expense | $20,150,000 | 257 |
| Net interest income | $41,491,000 | 176 |
| Provision for loan and lease losses | $1,500,000 | 479 |
| Total noninterest income | $11,222,000 | 220 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $5,811,000 | 99 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $5,411,000 | 258 |
| Total noninterest expense | $31,889,000 | 190 |
| Salaries and employee benefits | $13,795,000 | 191 |
| Premises and equipment expense | $8,404,000 | 103 |
| Additional noninterest expense | $9,690,000 | 220 |
| Pre-tax net operating income | $19,324,000 | 144 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $6,879,000 | 136 |
| Income before extraordinary items | $12,445,000 | 161 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $12,445,000 | 161 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,654,000 | 171 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $12,445,000 | 157 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $258,196,000 | 204 |
| Total interest expense | $112,633,000 | 213 |
| Net interest income | $145,563,000 | 187 |
| Provision for loan and lease losses | $6,000,000 | 351 |
| Total noninterest income | $147,972,000 | 102 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $22,020,000 | 99 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $125,952,000 | 89 |
| Total noninterest expense | $173,768,000 | 146 |
| Salaries and employee benefits | $96,796,000 | 118 |
| Premises and equipment expense | $30,970,000 | 104 |
| Additional noninterest expense | $46,002,000 | 190 |
| Pre-tax net operating income | $113,767,000 | 119 |
| Securities gains (losses) | $-8,530,000 | 8,502 |
| Applicable income taxes | $42,000,000 | 111 |
| Income before extraordinary items | $63,237,000 | 145 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $63,237,000 | 143 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,307,000 | 223 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $68,696,200 | 136 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $194,992,000 | 200 |
| Total interest expense | $87,496,000 | 205 |
| Net interest income | $107,496,000 | 189 |
| Provision for loan and lease losses | $4,500,000 | 271 |
| Total noninterest income | $96,852,000 | 111 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $16,111,000 | 98 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $80,741,000 | 91 |
| Total noninterest expense | $121,602,000 | 149 |
| Salaries and employee benefits | $65,707,000 | 129 |
| Premises and equipment expense | $22,913,000 | 107 |
| Additional noninterest expense | $32,982,000 | 188 |
| Pre-tax net operating income | $78,246,000 | 143 |
| Securities gains (losses) | $-9,301,000 | 8,542 |
| Applicable income taxes | $25,092,000 | 150 |
| Income before extraordinary items | $43,853,000 | 174 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $43,853,000 | 172 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,079,000 | 618 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $49,805,640 | 152 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $129,629,000 | 215 |
| Total interest expense | $58,804,000 | 219 |
| Net interest income | $70,825,000 | 204 |
| Provision for loan and lease losses | $3,000,000 | 243 |
| Total noninterest income | $65,010,000 | 123 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $10,480,000 | 104 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $54,530,000 | 100 |
| Total noninterest expense | $79,094,000 | 162 |
| Salaries and employee benefits | $43,271,000 | 140 |
| Premises and equipment expense | $15,067,000 | 117 |
| Additional noninterest expense | $20,756,000 | 205 |
| Pre-tax net operating income | $53,741,000 | 157 |
| Securities gains (losses) | $620,000 | 157 |
| Applicable income taxes | $19,764,000 | 144 |
| Income before extraordinary items | $34,597,000 | 165 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $34,597,000 | 165 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $813,000 | 516 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $34,200,200 | 166 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $63,854,000 | 213 |
| Total interest expense | $29,175,000 | 219 |
| Net interest income | $34,679,000 | 203 |
| Provision for loan and lease losses | $1,500,000 | 217 |
| Total noninterest income | $31,789,000 | 118 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $5,068,000 | 102 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $26,721,000 | 98 |
| Total noninterest expense | $40,271,000 | 159 |
| Salaries and employee benefits | $21,462,000 | 141 |
| Premises and equipment expense | $7,575,000 | 117 |
| Additional noninterest expense | $11,234,000 | 188 |
| Pre-tax net operating income | $24,697,000 | 158 |
| Securities gains (losses) | $620,000 | 98 |
| Applicable income taxes | $9,230,000 | 151 |
| Income before extraordinary items | $16,087,000 | 164 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $16,087,000 | 163 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $742,000 | 302 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $15,690,200 | 164 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $214,718,000 | 227 |
| Total interest expense | $83,650,000 | 248 |
| Net interest income | $131,068,000 | 207 |
| Provision for loan and lease losses | $3,000,000 | 373 |
| Total noninterest income | $114,802,000 | 126 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $18,649,000 | 108 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $96,153,000 | 102 |
| Total noninterest expense | $145,165,000 | 163 |
| Salaries and employee benefits | $79,938,000 | 139 |
| Premises and equipment expense | $27,794,000 | 118 |
| Additional noninterest expense | $37,433,000 | 211 |
| Pre-tax net operating income | $97,705,000 | 164 |
| Securities gains (losses) | $506,000 | 249 |
| Applicable income taxes | $37,538,000 | 147 |
| Income before extraordinary items | $60,673,000 | 177 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $60,673,000 | 177 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $752,000 | 870 |
| Cash dividends | $17,000,000 | 260 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $60,349,160 | 174 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $155,398,000 | 239 |
| Total interest expense | $57,655,000 | 264 |
| Net interest income | $97,743,000 | 220 |
| Provision for loan and lease losses | $3,000,000 | 274 |
| Total noninterest income | $86,166,000 | 133 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $13,507,000 | 119 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $72,659,000 | 114 |
| Total noninterest expense | $107,808,000 | 179 |
| Salaries and employee benefits | $59,140,000 | 150 |
| Premises and equipment expense | $20,525,000 | 123 |
| Additional noninterest expense | $28,143,000 | 222 |
| Pre-tax net operating income | $73,101,000 | 178 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $26,123,000 | 173 |
| Income before extraordinary items | $46,978,000 | 190 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $46,978,000 | 190 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $579,000 | 722 |
| Cash dividends | $17,000,000 | 210 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $46,978,000 | 189 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $100,512,000 | 244 |
| Total interest expense | $35,388,000 | 276 |
| Net interest income | $65,124,000 | 225 |
| Provision for loan and lease losses | $3,000,000 | 204 |
| Total noninterest income | $56,803,000 | 135 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $8,663,000 | 125 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $48,140,000 | 117 |
| Total noninterest expense | $70,811,000 | 183 |
| Salaries and employee benefits | $38,594,000 | 152 |
| Premises and equipment expense | $13,353,000 | 127 |
| Additional noninterest expense | $18,864,000 | 226 |
| Pre-tax net operating income | $48,116,000 | 182 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $17,203,000 | 176 |
| Income before extraordinary items | $30,913,000 | 194 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $30,913,000 | 194 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 1,872 |
| Cash dividends | $17,000,000 | 165 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $30,913,000 | 194 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $48,587,000 | 245 |
| Total interest expense | $16,535,000 | 280 |
| Net interest income | $32,052,000 | 227 |
| Provision for loan and lease losses | $1,500,000 | 197 |
| Total noninterest income | $28,292,000 | 136 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $4,095,000 | 126 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $24,197,000 | 116 |
| Total noninterest expense | $34,585,000 | 184 |
| Salaries and employee benefits | $18,562,000 | 161 |
| Premises and equipment expense | $6,794,000 | 127 |
| Additional noninterest expense | $9,229,000 | 229 |
| Pre-tax net operating income | $24,259,000 | 183 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $8,699,000 | 174 |
| Income before extraordinary items | $15,560,000 | 192 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $15,560,000 | 192 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $339,000 | 428 |
| Cash dividends | $10,000,000 | 128 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $15,560,000 | 189 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $165,020,000 | 249 |
| Total interest expense | $43,529,000 | 313 |
| Net interest income | $121,491,000 | 222 |
| Provision for loan and lease losses | $2,600,000 | 411 |
| Total noninterest income | $93,020,000 | 154 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $13,605,000 | 146 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $79,415,000 | 131 |
| Total noninterest expense | $116,879,000 | 199 |
| Salaries and employee benefits | $66,928,000 | 165 |
| Premises and equipment expense | $22,678,000 | 145 |
| Additional noninterest expense | $27,273,000 | 273 |
| Pre-tax net operating income | $95,032,000 | 186 |
| Securities gains (losses) | $-3,357,000 | 8,792 |
| Applicable income taxes | $32,176,000 | 178 |
| Income before extraordinary items | $59,499,000 | 193 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $59,499,000 | 193 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-300,000 | 8,753 |
| Cash dividends | $20,000,000 | 237 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $61,681,050 | 187 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $120,240,000 | 253 |
| Total interest expense | $29,122,000 | 321 |
| Net interest income | $91,118,000 | 223 |
| Provision for loan and lease losses | $1,700,000 | 449 |
| Total noninterest income | $69,832,000 | 156 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $9,542,000 | 150 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $60,290,000 | 135 |
| Total noninterest expense | $85,777,000 | 200 |
| Salaries and employee benefits | $49,456,000 | 167 |
| Premises and equipment expense | $16,491,000 | 150 |
| Additional noninterest expense | $19,830,000 | 274 |
| Pre-tax net operating income | $73,473,000 | 185 |
| Securities gains (losses) | $1,564,000 | 142 |
| Applicable income taxes | $26,427,000 | 177 |
| Income before extraordinary items | $48,610,000 | 186 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $48,610,000 | 186 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-333,000 | 8,790 |
| Cash dividends | $20,000,000 | 190 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $47,593,400 | 182 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $78,525,000 | 249 |
| Total interest expense | $17,576,000 | 326 |
| Net interest income | $60,949,000 | 220 |
| Provision for loan and lease losses | $1,300,000 | 384 |
| Total noninterest income | $45,713,000 | 154 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $6,006,000 | 150 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $39,707,000 | 134 |
| Total noninterest expense | $58,059,000 | 196 |
| Salaries and employee benefits | $33,524,000 | 166 |
| Premises and equipment expense | $10,718,000 | 150 |
| Additional noninterest expense | $13,817,000 | 261 |
| Pre-tax net operating income | $47,303,000 | 186 |
| Securities gains (losses) | $1,082,000 | 150 |
| Applicable income taxes | $17,010,000 | 180 |
| Income before extraordinary items | $31,375,000 | 190 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $31,375,000 | 190 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-456,000 | 8,820 |
| Cash dividends | $20,000,000 | 132 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $30,671,700 | 187 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $38,364,000 | 250 |
| Total interest expense | $8,115,000 | 330 |
| Net interest income | $30,249,000 | 224 |
| Provision for loan and lease losses | $900,000 | 282 |
| Total noninterest income | $23,101,000 | 158 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $2,896,000 | 155 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $20,205,000 | 134 |
| Total noninterest expense | $28,714,000 | 202 |
| Salaries and employee benefits | $16,716,000 | 171 |
| Premises and equipment expense | $5,346,000 | 151 |
| Additional noninterest expense | $6,652,000 | 263 |
| Pre-tax net operating income | $23,736,000 | 183 |
| Securities gains (losses) | $64,000 | 482 |
| Applicable income taxes | $8,389,000 | 176 |
| Income before extraordinary items | $15,411,000 | 192 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $15,411,000 | 192 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-491,000 | 8,911 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $15,369,400 | 188 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $122,331,000 | 281 |
| Total interest expense | $18,651,000 | 456 |
| Net interest income | $103,680,000 | 243 |
| Provision for loan and lease losses | $4,375,000 | 285 |
| Total noninterest income | $85,847,000 | 167 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $11,205,000 | 167 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $74,642,000 | 139 |
| Total noninterest expense | $105,254,000 | 214 |
| Salaries and employee benefits | $60,461,000 | 179 |
| Premises and equipment expense | $19,779,000 | 156 |
| Additional noninterest expense | $25,014,000 | 287 |
| Pre-tax net operating income | $79,898,000 | 184 |
| Securities gains (losses) | $915,000 | 299 |
| Applicable income taxes | $29,302,000 | 179 |
| Income before extraordinary items | $51,511,000 | 199 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $51,511,000 | 200 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,223,000 | 262 |
| Cash dividends | $5,000,000 | 614 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $50,925,400 | 194 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $87,221,000 | 290 |
| Total interest expense | $12,329,000 | 494 |
| Net interest income | $74,892,000 | 252 |
| Provision for loan and lease losses | $3,475,000 | 281 |
| Total noninterest income | $65,100,000 | 168 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $8,120,000 | 175 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $56,980,000 | 142 |
| Total noninterest expense | $77,939,000 | 220 |
| Salaries and employee benefits | $44,869,000 | 179 |
| Premises and equipment expense | $14,469,000 | 161 |
| Additional noninterest expense | $18,601,000 | 287 |
| Pre-tax net operating income | $58,578,000 | 191 |
| Securities gains (losses) | $509,000 | 419 |
| Applicable income taxes | $21,536,000 | 182 |
| Income before extraordinary items | $37,551,000 | 206 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $37,551,000 | 207 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,127,000 | 213 |
| Cash dividends | $5,000,000 | 454 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $37,225,240 | 201 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $56,296,000 | 287 |
| Total interest expense | $7,477,000 | 537 |
| Net interest income | $48,819,000 | 253 |
| Provision for loan and lease losses | $1,825,000 | 335 |
| Total noninterest income | $43,131,000 | 169 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $5,162,000 | 178 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $37,969,000 | 142 |
| Total noninterest expense | $51,345,000 | 215 |
| Salaries and employee benefits | $29,483,000 | 180 |
| Premises and equipment expense | $9,339,000 | 164 |
| Additional noninterest expense | $12,523,000 | 277 |
| Pre-tax net operating income | $38,780,000 | 193 |
| Securities gains (losses) | $-4,000 | 8,544 |
| Applicable income taxes | $14,133,000 | 179 |
| Income before extraordinary items | $24,643,000 | 210 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $24,643,000 | 211 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,904,000 | 273 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $24,645,560 | 203 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $27,133,000 | 306 |
| Total interest expense | $3,505,000 | 584 |
| Net interest income | $23,628,000 | 264 |
| Provision for loan and lease losses | $925,000 | 329 |
| Total noninterest income | $21,223,000 | 166 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $2,440,000 | 184 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $18,783,000 | 134 |
| Total noninterest expense | $25,691,000 | 216 |
| Salaries and employee benefits | $14,709,000 | 180 |
| Premises and equipment expense | $4,709,000 | 166 |
| Additional noninterest expense | $6,273,000 | 271 |
| Pre-tax net operating income | $18,235,000 | 196 |
| Securities gains (losses) | $-4,000 | 8,823 |
| Applicable income taxes | $6,656,000 | 189 |
| Income before extraordinary items | $11,575,000 | 210 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $11,575,000 | 211 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,797,000 | 186 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $11,577,560 | 206 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $89,727,000 | 345 |
| Total interest expense | $14,241,000 | 623 |
| Net interest income | $75,486,000 | 304 |
| Provision for loan and lease losses | $4,734,000 | 346 |
| Total noninterest income | $76,562,000 | 183 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $8,871,000 | 204 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $67,691,000 | 155 |
| Total noninterest expense | $92,045,000 | 232 |
| Salaries and employee benefits | $54,138,000 | 185 |
| Premises and equipment expense | $17,454,000 | 168 |
| Additional noninterest expense | $20,453,000 | 329 |
| Pre-tax net operating income | $55,269,000 | 226 |
| Securities gains (losses) | $3,582,000 | 192 |
| Applicable income taxes | $21,610,000 | 215 |
| Income before extraordinary items | $37,241,000 | 246 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $37,241,000 | 248 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,041,000 | 543 |
| Cash dividends | $14,500,000 | 293 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $34,948,520 | 237 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $63,671,000 | 370 |
| Total interest expense | $10,811,000 | 642 |
| Net interest income | $52,860,000 | 324 |
| Provision for loan and lease losses | $3,099,000 | 390 |
| Total noninterest income | $58,275,000 | 182 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $6,415,000 | 221 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $51,860,000 | 153 |
| Total noninterest expense | $68,604,000 | 234 |
| Salaries and employee benefits | $40,465,000 | 188 |
| Premises and equipment expense | $12,750,000 | 172 |
| Additional noninterest expense | $15,389,000 | 340 |
| Pre-tax net operating income | $39,432,000 | 245 |
| Securities gains (losses) | $3,242,000 | 193 |
| Applicable income taxes | $15,796,000 | 233 |
| Income before extraordinary items | $26,878,000 | 261 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $26,878,000 | 261 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,813,000 | 474 |
| Cash dividends | $14,500,000 | 244 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $24,803,120 | 251 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $41,114,000 | 388 |
| Total interest expense | $7,500,000 | 640 |
| Net interest income | $33,614,000 | 337 |
| Provision for loan and lease losses | $1,399,000 | 508 |
| Total noninterest income | $37,902,000 | 186 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $4,049,000 | 231 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $33,853,000 | 155 |
| Total noninterest expense | $45,126,000 | 236 |
| Salaries and employee benefits | $26,587,000 | 188 |
| Premises and equipment expense | $8,480,000 | 174 |
| Additional noninterest expense | $10,059,000 | 340 |
| Pre-tax net operating income | $24,991,000 | 256 |
| Securities gains (losses) | $3,162,000 | 173 |
| Applicable income taxes | $10,423,000 | 239 |
| Income before extraordinary items | $17,730,000 | 264 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $17,730,000 | 265 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,092,000 | 496 |
| Cash dividends | $14,500,000 | 167 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $15,706,320 | 266 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $20,553,000 | 394 |
| Total interest expense | $3,864,000 | 640 |
| Net interest income | $16,689,000 | 342 |
| Provision for loan and lease losses | $550,000 | 586 |
| Total noninterest income | $19,051,000 | 182 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,950,000 | 241 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $17,101,000 | 154 |
| Total noninterest expense | $22,322,000 | 239 |
| Salaries and employee benefits | $13,134,000 | 192 |
| Premises and equipment expense | $4,224,000 | 174 |
| Additional noninterest expense | $4,964,000 | 338 |
| Pre-tax net operating income | $12,868,000 | 254 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $4,773,000 | 252 |
| Income before extraordinary items | $8,095,000 | 285 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $8,095,000 | 285 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $567,000 | 450 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $8,095,000 | 265 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $83,309,000 | 403 |
| Total interest expense | $21,312,000 | 550 |
| Net interest income | $61,997,000 | 363 |
| Provision for loan and lease losses | $994,000 | 1,365 |
| Total noninterest income | $64,513,000 | 195 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $7,927,000 | 226 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $56,586,000 | 164 |
| Total noninterest expense | $79,162,000 | 261 |
| Salaries and employee benefits | $45,669,000 | 208 |
| Premises and equipment expense | $14,141,000 | 201 |
| Additional noninterest expense | $19,352,000 | 364 |
| Pre-tax net operating income | $46,354,000 | 258 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $17,135,000 | 252 |
| Income before extraordinary items | $29,219,000 | 280 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $29,219,000 | 280 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 4,825 |
| Cash dividends | $5,600,000 | 567 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $29,219,000 | 266 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $68,413,000 | 525 |
| Total interest expense | $23,732,000 | 707 |
| Net interest income | $44,681,000 | 440 |
| Provision for loan and lease losses | $1,162,000 | 1,112 |
| Total noninterest income | $57,176,000 | 216 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $6,447,000 | 256 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $50,729,000 | 176 |
| Total noninterest expense | $71,788,000 | 270 |
| Salaries and employee benefits | $38,911,000 | 212 |
| Premises and equipment expense | $12,540,000 | 208 |
| Additional noninterest expense | $20,337,000 | 354 |
| Pre-tax net operating income | $28,907,000 | 327 |
| Securities gains (losses) | $229,000 | 1,088 |
| Applicable income taxes | $10,502,000 | 325 |
| Income before extraordinary items | $18,634,000 | 344 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $18,634,000 | 342 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,793 |
| Cash dividends | $1,300,000 | 1,851 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $18,487,440 | 333 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $59,635,000 | 623 |
| Total interest expense | $24,710,000 | 734 |
| Net interest income | $34,925,000 | 538 |
| Provision for loan and lease losses | $347,000 | 2,590 |
| Total noninterest income | $51,458,000 | 223 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $4,962,000 | 287 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $46,496,000 | 178 |
| Total noninterest expense | $62,127,000 | 290 |
| Salaries and employee benefits | $34,658,000 | 232 |
| Premises and equipment expense | $10,539,000 | 242 |
| Additional noninterest expense | $16,930,000 | 394 |
| Pre-tax net operating income | $23,909,000 | 393 |
| Securities gains (losses) | $556,000 | 248 |
| Applicable income taxes | $8,760,000 | 367 |
| Income before extraordinary items | $15,705,000 | 400 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $15,705,000 | 401 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-82,000 | 9,712 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $15,349,160 | 406 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $41,828,000 | 809 |
| Total interest expense | $14,165,000 | 1,070 |
| Net interest income | $27,663,000 | 675 |
| Provision for loan and lease losses | $475,000 | 1,844 |
| Total noninterest income | $37,047,000 | 270 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $3,333,000 | 413 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $33,714,000 | 222 |
| Total noninterest expense | $45,794,000 | 388 |
| Salaries and employee benefits | $25,896,000 | 309 |
| Premises and equipment expense | $8,048,000 | 306 |
| Additional noninterest expense | $11,850,000 | 534 |
| Pre-tax net operating income | $18,441,000 | 517 |
| Securities gains (losses) | $302,000 | 453 |
| Applicable income taxes | $6,789,000 | 484 |
| Income before extraordinary items | $11,954,000 | 542 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $11,954,000 | 542 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-47,000 | 9,886 |
| Cash dividends | $2,750,000 | 1,046 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $11,760,720 | 543 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $34,711,000 | 957 |
| Total interest expense | $11,176,000 | 1,381 |
| Net interest income | $23,535,000 | 739 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $28,452,000 | 294 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $2,631,000 | 493 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $25,821,000 | 251 |
| Total noninterest expense | $35,269,000 | 467 |
| Salaries and employee benefits | $20,726,000 | 361 |
| Premises and equipment expense | $6,342,000 | 363 |
| Additional noninterest expense | $8,201,000 | 676 |
| Pre-tax net operating income | $16,718,000 | 505 |
| Securities gains (losses) | $247,000 | 815 |
| Applicable income taxes | $5,795,000 | 511 |
| Income before extraordinary items | $11,170,000 | 526 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $11,170,000 | 525 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $141,000 | 3,022 |
| Cash dividends | $8,207,000 | 447 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $11,006,980 | 512 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $30,141,000 | 1,120 |
| Total interest expense | $9,067,000 | 1,713 |
| Net interest income | $21,074,000 | 854 |
| Provision for loan and lease losses | $4,000 | 8,695 |
| Total noninterest income | $19,137,000 | 366 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,977,000 | 650 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $17,160,000 | 288 |
| Total noninterest expense | $26,274,000 | 576 |
| Salaries and employee benefits | $14,408,000 | 480 |
| Premises and equipment expense | $4,800,000 | 454 |
| Additional noninterest expense | $7,066,000 | 758 |
| Pre-tax net operating income | $13,933,000 | 618 |
| Securities gains (losses) | $-67,000 | 10,704 |
| Applicable income taxes | $4,425,000 | 662 |
| Income before extraordinary items | $9,441,000 | 623 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $9,441,000 | 624 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 5,500 |
| Cash dividends | $2,000,000 | 1,293 |
| Sale, conversion, retirement of capital stock, net | $1,070,000 | 449 |
| Net operating income | $9,486,560 | 598 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $23,538,000 | 1,437 |
| Total interest expense | $6,464,000 | 2,388 |
| Net interest income | $17,074,000 | 1,058 |
| Provision for loan and lease losses | $1,860,000 | 659 |
| Total noninterest income | $3,334,000 | 1,256 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $1,477,000 | 897 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,857,000 | 1,208 |
| Total noninterest expense | $15,188,000 | 1,001 |
| Salaries and employee benefits | $6,435,000 | 1,036 |
| Premises and equipment expense | $2,589,000 | 840 |
| Additional noninterest expense | $6,164,000 | 975 |
| Pre-tax net operating income | $3,360,000 | 2,129 |
| Securities gains (losses) | $338,000 | 524 |
| Applicable income taxes | $1,425,000 | 1,683 |
| Income before extraordinary items | $2,273,000 | 2,178 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,273,000 | 2,179 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $918,000 | 953 |
| Cash dividends | $848,000 | 2,397 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,056,680 | 2,347 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $20,782,000 | 1,627 |
| Total interest expense | $6,007,000 | 2,555 |
| Net interest income | $14,775,000 | 1,218 |
| Provision for loan and lease losses | $559,000 | 1,443 |
| Total noninterest income | $2,763,000 | 1,428 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $1,434,000 | 929 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,329,000 | 1,481 |
| Total noninterest expense | $12,206,000 | 1,200 |
| Salaries and employee benefits | $5,309,000 | 1,257 |
| Premises and equipment expense | $2,339,000 | 924 |
| Additional noninterest expense | $4,558,000 | 1,203 |
| Pre-tax net operating income | $4,773,000 | 1,563 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $1,451,000 | 1,691 |
| Income before extraordinary items | $3,322,000 | 1,532 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $3,322,000 | 1,530 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $495,000 | 1,397 |
| Cash dividends | $816,000 | 2,381 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $3,322,000 | 1,514 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $17,157,000 | 1,799 |
| Total interest expense | $4,487,000 | 2,729 |
| Net interest income | $12,670,000 | 1,421 |
| Provision for loan and lease losses | $1,014,000 | 915 |
| Total noninterest income | $2,287,000 | 1,660 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,327,000 | 995 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $960,000 | 1,889 |
| Total noninterest expense | $11,132,000 | 1,317 |
| Salaries and employee benefits | $4,815,000 | 1,406 |
| Premises and equipment expense | $2,247,000 | 953 |
| Additional noninterest expense | $4,070,000 | 1,397 |
| Pre-tax net operating income | $2,811,000 | 2,518 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $900,000 | 2,482 |
| Income before extraordinary items | $1,911,000 | 2,541 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,911,000 | 2,541 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $876,000 | 945 |
| Cash dividends | $717,000 | 2,479 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,911,000 | 2,555 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $16,619,000 | 1,881 |
| Total interest expense | $4,765,000 | 2,698 |
| Net interest income | $11,854,000 | 1,517 |
| Provision for loan and lease losses | $2,635,000 | 663 |
| Total noninterest income | $2,714,000 | 1,578 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $1,442,000 | 915 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,272,000 | 1,747 |
| Total noninterest expense | $10,750,000 | 1,432 |
| Salaries and employee benefits | $4,643,000 | 1,456 |
| Premises and equipment expense | $2,292,000 | 962 |
| Additional noninterest expense | $3,815,000 | 1,582 |
| Pre-tax net operating income | $1,183,000 | 5,240 |
| Securities gains (losses) | $472,000 | 933 |
| Applicable income taxes | $318,000 | 5,861 |
| Income before extraordinary items | $1,337,000 | 3,612 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,337,000 | 3,724 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,543,000 | 508 |
| Cash dividends | $517,000 | 2,989 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $954,680 | 4,631 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $17,359,000 | 2,044 |
| Total interest expense | $6,559,000 | 2,575 |
| Net interest income | $10,800,000 | 1,699 |
| Provision for loan and lease losses | $2,697,000 | 916 |
| Total noninterest income | $1,991,000 | 1,938 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $1,425,000 | 915 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $566,000 | 2,945 |
| Total noninterest expense | $9,502,000 | 1,614 |
| Salaries and employee benefits | $4,274,000 | 1,558 |
| Premises and equipment expense | $2,335,000 | 980 |
| Additional noninterest expense | $2,893,000 | 2,049 |
| Pre-tax net operating income | $592,000 | 7,768 |
| Securities gains (losses) | $493,000 | 1,094 |
| Applicable income taxes | $323,000 | 5,657 |
| Income before extraordinary items | $762,000 | 5,564 |
| Extraordinary gains, net | $323,000 | 292 |
| Net income | $1,085,000 | 4,225 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,481,000 | 839 |
| Cash dividends | $99,000 | 6,698 |
| Sale, conversion, retirement of capital stock, net | $5,300,000 | 159 |
| Net operating income | $416,900 | 7,700 |
* 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.