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Commonwealth Bank, Income and Expense

2002-12-31 (YTD Data)Rank
Total interest income$110,059,000336
Total interest expense$31,715,000393
Net interest income$78,344,000310
Provision for loan and lease losses$6,300,000326
Total noninterest income$21,442,000384
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$15,715,000144
Trading account gains and fees$0153
Additional Noninterest Income$5,727,000628
Total noninterest expense$68,339,000290
Salaries and employee benefits$32,386,000275
Premises and equipment expense$9,757,000278
Additional noninterest expense$26,196,000286
Pre-tax net operating income$25,147,000392
Securities gains (losses)$314,000872
Applicable income taxes$7,140,000454
Income before extraordinary items$18,321,000393
Extraordinary gains, net$070
Net income$18,321,000394
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$5,157,000319
Cash dividends$24,000,000214
Sale, conversion, retirement of capital stock, net$3,512,000205
Net operating income$18,094,920373
2001-12-31 (YTD Data)Rank
Total interest income$126,553,000328
Total interest expense$51,726,000372
Net interest income$74,827,000305
Provision for loan and lease losses$8,750,000250
Total noninterest income$19,791,000391
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$13,650,000148
Trading account gains and fees$0177
Additional Noninterest Income$6,141,000565
Total noninterest expense$66,828,000286
Salaries and employee benefits$32,166,000262
Premises and equipment expense$8,947,000286
Additional noninterest expense$25,715,000300
Pre-tax net operating income$19,040,000447
Securities gains (losses)$04,612
Applicable income taxes$4,839,000556
Income before extraordinary items$14,201,000429
Extraordinary gains, net$0105
Net income$14,201,000428
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$5,601,000288
Cash dividends$35,000,000167
Sale, conversion, retirement of capital stock, net$2,506,000275
Net operating income$14,201,000407
2000-12-31 (YTD Data)Rank
Total interest income$133,566,000339
Total interest expense$62,293,000360
Net interest income$71,273,000316
Provision for loan and lease losses$5,250,000309
Total noninterest income$19,641,000379
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0180
Additional Noninterest Income$19,641,000296
Total noninterest expense$68,983,000266
Salaries and employee benefits$34,728,000231
Premises and equipment expense$9,915,000258
Additional noninterest expense$24,340,000310
Pre-tax net operating income$16,681,000515
Securities gains (losses)$4,437,00059
Applicable income taxes$5,626,000512
Income before extraordinary items$15,492,000404
Extraordinary gains, net$038
Net income$15,492,000405
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$4,650,000282
Cash dividends$12,000,000328
Sale, conversion, retirement of capital stock, net$0969
Net operating income$12,252,990481
1999-12-31 (YTD Data)Rank
Total interest income$138,763,000317
Total interest expense$69,761,000299
Net interest income$69,002,000325
Provision for loan and lease losses$4,000,000347
Total noninterest income$22,993,000362
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0173
Additional Noninterest Income$22,993,000278
Total noninterest expense$73,448,000271
Salaries and employee benefits$35,940,000227
Premises and equipment expense$10,132,000246
Additional noninterest expense$27,376,000301
Pre-tax net operating income$14,547,000614
Securities gains (losses)$9,565,00041
Applicable income taxes$7,030,000474
Income before extraordinary items$17,082,000405
Extraordinary gains, net$035
Net income$17,082,000405
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$3,111,000354
Cash dividends$35,000,000176
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$10,290,850598
1998-12-31 (YTD Data)Rank
Total interest income$155,181,000270
Total interest expense$87,221,000246
Net interest income$67,960,000308
Provision for loan and lease losses$3,500,000408
Total noninterest income$25,739,000318
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0224
Additional Noninterest Income$25,739,000252
Total noninterest expense$78,101,000265
Salaries and employee benefits$37,223,000214
Premises and equipment expense$10,310,000235
Additional noninterest expense$30,568,000278
Pre-tax net operating income$12,098,000671
Securities gains (losses)$2,804,000188
Applicable income taxes$4,828,000596
Income before extraordinary items$10,074,000592
Extraordinary gains, net$032
Net income$10,074,000591
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,935,000380
Cash dividends$33,000,000190
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$8,167,280673
1997-12-31 (YTD Data)Rank
Total interest income$151,940,000286
Total interest expense$84,380,000265
Net interest income$67,560,000311
Provision for loan and lease losses$1,600,000699
Total noninterest income$18,258,000380
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0239
Additional Noninterest Income$18,258,000278
Total noninterest expense$65,832,000278
Salaries and employee benefits$32,377,000227
Premises and equipment expense$10,423,000235
Additional noninterest expense$23,032,000309
Pre-tax net operating income$18,386,000489
Securities gains (losses)$4,484,00096
Applicable income taxes$7,556,000447
Income before extraordinary items$15,314,000422
Extraordinary gains, net$044
Net income$15,314,000422
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$2,604,000425
Cash dividends$15,000,000281
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$12,309,720480
1996-12-31 (YTD Data)Rank
Total interest income$125,284,000364
Total interest expense$66,056,000347
Net interest income$59,228,000385
Provision for loan and lease losses$666,0001,378
Total noninterest income$17,326,000423
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0262
Additional Noninterest Income$17,326,000319
Total noninterest expense$62,953,000330
Salaries and employee benefits$25,959,000310
Premises and equipment expense$9,382,000289
Additional noninterest expense$27,612,000348
Pre-tax net operating income$12,935,000642
Securities gains (losses)$-393,00011,361
Applicable income taxes$4,255,000660
Income before extraordinary items$8,287,000681
Extraordinary gains, net$053
Net income$8,287,000681
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$735,0001,075
Cash dividends$1,947,0001,328
Sale, conversion, retirement of capital stock, net$-863,00011,419
Net operating income$8,546,380646
1995-12-31 (YTD Data)Rank
Total interest income$96,990,000463
Total interest expense$49,567,000452
Net interest income$47,423,000471
Provision for loan and lease losses$587,0001,392
Total noninterest income$11,911,000537
Gross Fiduciary activities income$01,590
Service charges on deposit accounts$2,847,000514
Trading account gains and fees$0522
Additional Noninterest Income$9,064,000451
Total noninterest expense$42,607,000449
Salaries and employee benefits$20,398,000395
Premises and equipment expense$6,663,000403
Additional noninterest expense$15,546,000495
Pre-tax net operating income$16,140,000555
Securities gains (losses)$1,230,000188
Applicable income taxes$6,115,000533
Income before extraordinary items$11,255,000538
Extraordinary gains, net$065
Net income$11,255,000538
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$418,0001,552
Cash dividends$1,830,0001,318
Sale, conversion, retirement of capital stock, net$928,000309
Net operating income$10,455,500565
1994-12-31 (YTD Data)Rank
Total interest income$80,289,000475
Total interest expense$36,858,000460
Net interest income$43,431,000491
Provision for loan and lease losses$168,0003,376
Total noninterest income$12,555,000505
Gross Fiduciary activities income$01,599
Service charges on deposit accounts$3,670,000418
Trading account gains and fees$0475
Additional Noninterest Income$8,885,000446
Total noninterest expense$42,058,000453
Salaries and employee benefits$22,164,000365
Premises and equipment expense$6,477,000407
Additional noninterest expense$13,417,000568
Pre-tax net operating income$13,760,000615
Securities gains (losses)$03,600
Applicable income taxes$4,515,000620
Income before extraordinary items$9,245,000608
Extraordinary gains, net$0249
Net income$9,245,000607
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$487,0001,403
Cash dividends$1,451,0001,442
Sale, conversion, retirement of capital stock, net$33,305,00034
Net operating income$9,245,000610
1993-12-31 (YTD Data)Rank
Total interest income$84,358,000453
Total interest expense$35,805,000462
Net interest income$48,553,000445
Provision for loan and lease losses$737,0001,603
Total noninterest income$10,798,000576
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0532
Additional Noninterest Income$10,798,000414
Total noninterest expense$49,165,000409
Salaries and employee benefits$22,005,000361
Premises and equipment expense$8,591,000327
Additional noninterest expense$18,569,000492
Pre-tax net operating income$9,449,000774
Securities gains (losses)$5,367,000142
Applicable income taxes$5,293,000513
Income before extraordinary items$9,523,000565
Extraordinary gains, net$03,149
Net income$9,523,000581
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$338,0002,292
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$6,088,120811
1992-12-31 (YTD Data)Rank
Total interest income$87,448,000490
Total interest expense$45,256,000474
Net interest income$42,192,000510
Provision for loan and lease losses$5,131,000584
Total noninterest income$2,532,0001,639
Gross Fiduciary activities incomeNANA
Service charges on deposit accountsNANA
Trading account gains and fees$0504
Additional Noninterest Income$2,532,0001,073
Total noninterest expense$34,566,000544
Salaries and employee benefits$13,085,000564
Premises and equipment expense$6,737,000406
Additional noninterest expense$14,744,000581
Pre-tax net operating income$5,027,0001,266
Securities gains (losses)$17,0005,804
Applicable income taxes$4,945,000479
Income before extraordinary items$99,00011,953
Extraordinary gains, net$01,422
Net income$99,00012,025
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$369,0002,963
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$88,12011,801

* 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.