Home > Commerce Bank of Alabama > Income and Expense
Commerce Bank of Alabama, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,232,000 | 4,369 |
| Total interest expense | $4,028,000 | 3,654 |
| Net interest income | $3,205,000 | 5,050 |
| Provision for loan and lease losses | $584,000 | 1,579 |
| Total noninterest income | $855,000 | 3,420 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $509,000 | 2,578 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $346,000 | 3,607 |
| Total noninterest expense | $3,127,000 | 3,960 |
| Salaries and employee benefits | $1,732,000 | 3,774 |
| Premises and equipment expense | $417,000 | 4,309 |
| Additional noninterest expense | $978,000 | 3,989 |
| Pre-tax net operating income | $349,000 | 8,738 |
| Securities gains (losses) | $-1,000 | 9,009 |
| Applicable income taxes | $120,000 | 8,093 |
| Income before extraordinary items | $228,000 | 8,924 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $228,000 | 8,929 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $297,000 | 1,969 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 969 |
| Net operating income | $228,660 | 8,888 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,053,000 | 6,812 |
| Total interest expense | $2,170,000 | 6,088 |
| Net interest income | $1,883,000 | 7,394 |
| Provision for loan and lease losses | $372,000 | 2,199 |
| Total noninterest income | $365,000 | 6,268 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $310,000 | 4,126 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $55,000 | 8,673 |
| Total noninterest expense | $2,260,000 | 5,421 |
| Salaries and employee benefits | $1,204,000 | 5,193 |
| Premises and equipment expense | $281,000 | 5,823 |
| Additional noninterest expense | $775,000 | 5,325 |
| Pre-tax net operating income | $-384,000 | 11,189 |
| Securities gains (losses) | $9,000 | 2,573 |
| Applicable income taxes | $-82,000 | 11,152 |
| Income before extraordinary items | $-293,000 | 11,178 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-293,000 | 11,177 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $135,000 | 3,367 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $1,507,000 | 334 |
| Net operating income | $-300,020 | 11,151 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,451,000 | 10,612 |
| Total interest expense | $765,000 | 10,070 |
| Net interest income | $686,000 | 10,884 |
| Provision for loan and lease losses | $226,000 | 2,785 |
| Total noninterest income | $114,000 | 9,977 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $68,000 | 8,669 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $46,000 | 9,426 |
| Total noninterest expense | $1,285,000 | 7,908 |
| Salaries and employee benefits | $632,000 | 8,167 |
| Premises and equipment expense | $116,000 | 9,162 |
| Additional noninterest expense | $537,000 | 6,974 |
| Pre-tax net operating income | $-711,000 | 11,839 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $-242,000 | 11,810 |
| Income before extraordinary items | $-469,000 | 11,785 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-469,000 | 11,783 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 5,073 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $5,500,000 | 86 |
| Net operating income | $-469,000 | 11,781 |
* 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.