Home > Commercial State Bank > Income and Expense

Commercial State Bank, Income and Expense

2004-12-31 (YTD Data)Rank
Total interest income$789,0008,575
Total interest expense$185,0008,517
Net interest income$604,0008,541
Provision for loan and lease losses$22,0006,676
Total noninterest income$63,0008,469
Gross Fiduciary activities income$01,582
Service charges on deposit accounts$62,0007,083
Trading account gains and fees$0138
Additional Noninterest Income$1,0008,793
Total noninterest expense$418,0008,774
Salaries and employee benefits$275,0008,657
Premises and equipment expense$52,0008,576
Additional noninterest expense$91,0008,846
Pre-tax net operating income$227,0007,684
Securities gains (losses)$03,819
Applicable income taxes$80,0005,723
Income before extraordinary items$147,0007,894
Extraordinary gains, net$034
Net income$147,0007,894
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-9,0008,264
Cash dividends$50,0005,821
Sale, conversion, retirement of capital stock, net$0872
Net operating income$147,0007,848
2004-09-30 (YTD Data)Rank
Total interest income$576,0008,639
Total interest expense$139,0008,564
Net interest income$437,0008,615
Provision for loan and lease losses$20,0006,311
Total noninterest income$49,0008,493
Gross Fiduciary activities income$01,547
Service charges on deposit accounts$49,0007,079
Trading account gains and fees$0134
Additional Noninterest Income$08,890
Total noninterest expense$282,0008,846
Salaries and employee benefits$184,0008,761
Premises and equipment expense$32,0008,709
Additional noninterest expense$66,0008,890
Pre-tax net operating income$184,0007,766
Securities gains (losses)$03,710
Applicable income taxes$53,0005,923
Income before extraordinary items$131,0007,909
Extraordinary gains, net$026
Net income$131,0007,912
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$7,0005,696
Cash dividends$05,363
Sale, conversion, retirement of capital stock, net$0738
Net operating income$131,0007,856
2004-06-30 (YTD Data)Rank
Total interest income$361,0008,731
Total interest expense$95,0008,607
Net interest income$266,0008,726
Provision for loan and lease losses$13,0006,215
Total noninterest income$30,0008,604
Gross Fiduciary activities income$01,518
Service charges on deposit accounts$30,0007,195
Trading account gains and fees$0130
Additional Noninterest Income$08,943
Total noninterest expense$182,0008,922
Salaries and employee benefits$121,0008,818
Premises and equipment expense$19,0008,805
Additional noninterest expense$42,0008,947
Pre-tax net operating income$101,0007,917
Securities gains (losses)$03,413
Applicable income taxes$24,0006,179
Income before extraordinary items$77,0008,008
Extraordinary gains, net$021
Net income$77,0008,010
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$8,0004,984
Cash dividends$05,087
Sale, conversion, retirement of capital stock, net$0638
Net operating income$77,0007,946
2004-03-31 (YTD Data)Rank
Total interest income$176,0008,784
Total interest expense$50,0008,626
Net interest income$126,0008,791
Provision for loan and lease losses$5,0006,071
Total noninterest income$16,0008,578
Gross Fiduciary activities income$01,441
Service charges on deposit accounts$16,0007,105
Trading account gains and fees$0121
Additional Noninterest Income$08,950
Total noninterest expense$92,0008,948
Salaries and employee benefits$60,0008,858
Premises and equipment expense$9,0008,833
Additional noninterest expense$23,0008,965
Pre-tax net operating income$45,0007,988
Securities gains (losses)$02,934
Applicable income taxes$8,0006,367
Income before extraordinary items$37,0008,024
Extraordinary gains, net$016
Net income$37,0008,025
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-1,0006,968
Cash dividends$03,841
Sale, conversion, retirement of capital stock, net$0464
Net operating income$37,0007,962
2003-12-31 (YTD Data)Rank
Total interest income$801,0008,755
Total interest expense$256,0008,588
Net interest income$545,0008,769
Provision for loan and lease losses$106,0005,229
Total noninterest income$85,0008,455
Gross Fiduciary activities income$01,641
Service charges on deposit accounts$83,0006,840
Trading account gains and fees$0160
Additional Noninterest Income$2,0008,983
Total noninterest expense$385,0008,998
Salaries and employee benefits$262,0008,864
Premises and equipment expense$38,0008,915
Additional noninterest expense$85,0009,047
Pre-tax net operating income$139,0008,054
Securities gains (losses)$04,500
Applicable income taxes$44,0006,374
Income before extraordinary items$95,0008,242
Extraordinary gains, net$054
Net income$95,0008,246
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$59,0004,862
Cash dividends$50,0005,907
Sale, conversion, retirement of capital stock, net$0868
Net operating income$95,0008,131
2003-09-30 (YTD Data)Rank
Total interest income$590,0008,841
Total interest expense$196,0008,690
Net interest income$394,0008,861
Provision for loan and lease losses$106,0004,572
Total noninterest income$67,0008,473
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$67,0006,788
Trading account gains and fees$0153
Additional Noninterest Income$09,106
Total noninterest expense$259,0009,084
Salaries and employee benefits$176,0008,969
Premises and equipment expense$26,0008,993
Additional noninterest expense$57,0009,119
Pre-tax net operating income$96,0008,251
Securities gains (losses)$04,204
Applicable income taxes$33,0006,505
Income before extraordinary items$63,0008,454
Extraordinary gains, net$040
Net income$63,0008,456
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$59,0003,994
Cash dividends$05,519
Sale, conversion, retirement of capital stock, net$0722
Net operating income$63,0008,339
2003-06-30 (YTD Data)Rank
Total interest income$365,0008,928
Total interest expense$134,0008,743
Net interest income$231,0008,950
Provision for loan and lease losses$106,0003,764
Total noninterest income$44,0008,498
Gross Fiduciary activities income$01,577
Service charges on deposit accounts$44,0006,806
Trading account gains and fees$0150
Additional Noninterest Income$09,111
Total noninterest expense$171,0009,114
Salaries and employee benefits$118,0009,004
Premises and equipment expense$14,0009,079
Additional noninterest expense$39,0009,144
Pre-tax net operating income$-2,0008,682
Securities gains (losses)$03,782
Applicable income taxes$6,0007,135
Income before extraordinary items$-8,0008,791
Extraordinary gains, net$030
Net income$-8,0008,793
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$93,0002,606
Cash dividends$05,215
Sale, conversion, retirement of capital stock, net$0589
Net operating income$-8,0008,684
2003-03-31 (YTD Data)Rank
Total interest income$175,0009,017
Total interest expense$67,0008,811
Net interest income$108,0009,036
Provision for loan and lease losses$06,934
Total noninterest income$22,0008,506
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$22,0006,745
Trading account gains and fees$0134
Additional Noninterest Income$09,145
Total noninterest expense$82,0009,176
Salaries and employee benefits$57,0009,056
Premises and equipment expense$09,263
Additional noninterest expense$25,0009,104
Pre-tax net operating income$48,0008,025
Securities gains (losses)$02,891
Applicable income taxes$8,0006,684
Income before extraordinary items$40,0008,099
Extraordinary gains, net$021
Net income$40,0008,099
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$05,539
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$0419
Net operating income$40,0007,953
2002-12-31 (YTD Data)Rank
Total interest income$848,0008,963
Total interest expense$303,0008,879
Net interest income$545,0008,953
Provision for loan and lease losses$08,089
Total noninterest income$83,0008,607
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$81,0006,921
Trading account gains and fees$0153
Additional Noninterest Income$2,0009,151
Total noninterest expense$408,0009,127
Salaries and employee benefits$255,0009,040
Premises and equipment expense$55,0008,821
Additional noninterest expense$98,0009,172
Pre-tax net operating income$220,0007,857
Securities gains (losses)$04,537
Applicable income taxes$81,0006,156
Income before extraordinary items$139,0008,147
Extraordinary gains, net$070
Net income$139,0008,148
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$4,0007,261
Cash dividends$80,0005,719
Sale, conversion, retirement of capital stock, net$0862
Net operating income$139,0008,038
2001-12-31 (YTD Data)Rank
Total interest income$922,0009,206
Total interest expense$416,0009,145
Net interest income$506,0009,174
Provision for loan and lease losses$08,228
Total noninterest income$76,0008,831
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$71,0007,149
Trading account gains and fees$0177
Additional Noninterest Income$5,0009,318
Total noninterest expense$399,0009,370
Salaries and employee benefits$250,0009,252
Premises and equipment expense$67,0008,842
Additional noninterest expense$82,0009,465
Pre-tax net operating income$183,0007,966
Securities gains (losses)$04,612
Applicable income taxes$69,0006,424
Income before extraordinary items$114,0008,250
Extraordinary gains, net$0105
Net income$114,0008,248
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$15,0006,555
Cash dividends$60,0006,054
Sale, conversion, retirement of capital stock, net$0922
Net operating income$114,0008,143
2000-12-31 (YTD Data)Rank
Total interest income$892,0009,477
Total interest expense$390,0009,434
Net interest income$502,0009,458
Provision for loan and lease losses$08,337
Total noninterest income$50,0009,331
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$49,0007,655
Trading account gains and feesNANA
Additional Noninterest Income$1,0009,788
Total noninterest expense$377,0009,641
Salaries and employee benefits$229,0009,542
Premises and equipment expense$62,0009,133
Additional noninterest expense$86,0009,712
Pre-tax net operating income$175,0008,475
Securities gains (losses)$01,956
Applicable income taxes$66,0006,992
Income before extraordinary items$109,0008,645
Extraordinary gains, net$038
Net income$109,0008,644
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-16,0009,312
Cash dividends$45,0006,467
Sale, conversion, retirement of capital stock, net$0969
Net operating income$109,0008,635
1999-12-31 (YTD Data)Rank
Total interest income$802,0009,771
Total interest expense$327,0009,765
Net interest income$475,0009,725
Provision for loan and lease losses$115,0004,942
Total noninterest income$71,0009,277
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$48,0007,891
Trading account gains and feesNANA
Additional Noninterest Income$23,0009,132
Total noninterest expense$319,00010,030
Salaries and employee benefits$208,0009,887
Premises and equipment expense$47,0009,694
Additional noninterest expense$64,00010,112
Pre-tax net operating income$112,0009,017
Securities gains (losses)$03,155
Applicable income taxes$40,0007,812
Income before extraordinary items$72,0009,128
Extraordinary gains, net$035
Net income$72,0009,127
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$40,0005,199
Cash dividends$50,0006,588
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$72,0009,096
1998-12-31 (YTD Data)Rank
Total interest income$800,00010,020
Total interest expense$348,0009,984
Net interest income$452,00010,009
Provision for loan and lease losses$60,0006,123
Total noninterest income$45,0009,915
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$45,0008,166
Trading account gains and feesNANA
Additional Noninterest Income$010,383
Total noninterest expense$323,00010,214
Salaries and employee benefits$201,00010,101
Premises and equipment expense$39,00010,038
Additional noninterest expense$83,00010,245
Pre-tax net operating income$114,0009,345
Securities gains (losses)$04,449
Applicable income taxes$26,0008,769
Income before extraordinary items$88,0009,416
Extraordinary gains, net$032
Net income$88,0009,417
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$17,0006,524
Cash dividends$54,0006,834
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$88,0009,353
1997-12-31 (YTD Data)Rank
Total interest income$737,00010,531
Total interest expense$313,00010,491
Net interest income$424,00010,527
Provision for loan and lease losses$12,0008,256
Total noninterest income$41,00010,427
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$40,0008,677
Trading account gains and feesNANA
Additional Noninterest Income$1,00010,828
Total noninterest expense$306,00010,688
Salaries and employee benefits$199,00010,551
Premises and equipment expense$35,00010,527
Additional noninterest expense$72,00010,741
Pre-tax net operating income$147,0009,858
Securities gains (losses)$03,944
Applicable income taxes$41,0009,392
Income before extraordinary items$106,0009,924
Extraordinary gains, net$044
Net income$106,0009,925
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$72,0004,456
Cash dividends$07,871
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$106,0009,880
1996-12-31 (YTD Data)Rank
Total interest income$691,00011,120
Total interest expense$289,00011,097
Net interest income$402,00011,082
Provision for loan and lease losses$10,0008,531
Total noninterest income$46,00010,918
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$42,0009,055
Trading account gains and feesNANA
Additional Noninterest Income$4,00011,246
Total noninterest expense$321,00011,170
Salaries and employee benefits$196,00011,031
Premises and equipment expense$50,00010,636
Additional noninterest expense$75,00011,279
Pre-tax net operating income$117,00010,280
Securities gains (losses)$04,148
Applicable income taxes$32,0009,997
Income before extraordinary items$85,00010,352
Extraordinary gains, net$053
Net income$85,00010,351
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$6,0007,912
Cash dividends$15,0008,125
Sale, conversion, retirement of capital stock, net$0953
Net operating income$85,00010,309
1995-12-31 (YTD Data)Rank
Total interest income$677,00011,648
Total interest expense$302,00011,570
Net interest income$375,00011,654
Provision for loan and lease losses$08,958
Total noninterest income$56,00011,248
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$44,0009,427
Trading account gains and feesNANA
Additional Noninterest Income$12,00011,383
Total noninterest expense$309,00011,686
Salaries and employee benefits$180,00011,597
Premises and equipment expense$41,00011,355
Additional noninterest expense$88,00011,715
Pre-tax net operating income$122,00010,961
Securities gains (losses)$03,831
Applicable income taxes$27,00010,638
Income before extraordinary items$95,00010,979
Extraordinary gains, net$065
Net income$95,00010,979
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$08,856
Cash dividends$39,0008,019
Sale, conversion, retirement of capital stock, net$0809
Net operating income$95,00010,951
1994-12-31 (YTD Data)Rank
Total interest income$599,00012,315
Total interest expense$247,00012,215
Net interest income$352,00012,325
Provision for loan and lease losses$8,0008,632
Total noninterest income$43,00012,073
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$43,0009,936
Trading account gains and feesNANA
Additional Noninterest Income$012,536
Total noninterest expense$313,00012,319
Salaries and employee benefits$179,00012,203
Premises and equipment expense$56,00011,432
Additional noninterest expense$78,00012,443
Pre-tax net operating income$74,00011,786
Securities gains (losses)$03,600
Applicable income taxes$19,00011,165
Income before extraordinary items$55,00011,770
Extraordinary gains, net$0249
Net income$55,00011,776
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,0008,352
Cash dividends$22,0008,549
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$55,00011,813
1993-12-31 (YTD Data)Rank
Total interest income$615,00012,926
Total interest expense$248,00012,843
Net interest income$367,00012,877
Provision for loan and lease losses$10,0009,731
Total noninterest income$43,00012,706
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$40,00010,409
Trading account gains and feesNANA
Additional Noninterest Income$3,00013,123
Total noninterest expense$319,00012,923
Salaries and employee benefits$180,00012,778
Premises and equipment expense$57,00011,958
Additional noninterest expense$82,00013,069
Pre-tax net operating income$81,00011,989
Securities gains (losses)$07,477
Applicable income taxes$17,00011,667
Income before extraordinary items$64,00012,142
Extraordinary gains, net$03,149
Net income$64,00012,172
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$09,922
Cash dividends$21,0008,652
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$64,00011,996
1992-12-31 (YTD Data)Rank
Total interest income$664,00013,537
Total interest expense$284,00013,517
Net interest income$380,00013,443
Provision for loan and lease losses$011,756
Total noninterest income$34,00013,468
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$30,00011,061
Trading account gains and feesNANA
Additional Noninterest Income$4,00013,723
Total noninterest expense$318,00013,511
Salaries and employee benefits$176,00013,360
Premises and equipment expense$55,00012,495
Additional noninterest expense$87,00013,631
Pre-tax net operating income$96,00012,068
Securities gains (losses)$08,369
Applicable income taxes$25,00011,957
Income before extraordinary items$71,00012,337
Extraordinary gains, net$01,422
Net income$71,00012,359
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$011,197
Cash dividends$32,0008,174
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$71,00012,050

* 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.