Home > Commonwealth State Bank > Income and Expense
Commonwealth State Bank, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $10,360,000 | 3,170 |
| Total interest expense | $6,191,000 | 2,481 |
| Net interest income | $4,169,000 | 4,178 |
| Provision for loan and lease losses | $340,000 | 2,362 |
| Total noninterest income | $207,000 | 8,128 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $67,000 | 8,337 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $140,000 | 6,165 |
| Total noninterest expense | $2,956,000 | 4,351 |
| Salaries and employee benefits | $1,428,000 | 4,518 |
| Premises and equipment expense | $338,000 | 5,136 |
| Additional noninterest expense | $1,190,000 | 3,811 |
| Pre-tax net operating income | $1,080,000 | 5,485 |
| Securities gains (losses) | $29,000 | 1,716 |
| Applicable income taxes | $367,000 | 5,162 |
| Income before extraordinary items | $742,000 | 5,569 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $742,000 | 5,569 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 10,098 |
| Cash dividends | $150,000 | 5,964 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $722,570 | 5,607 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $9,529,000 | 3,437 |
| Total interest expense | $6,084,000 | 2,518 |
| Net interest income | $3,445,000 | 4,927 |
| Provision for loan and lease losses | $262,000 | 2,482 |
| Total noninterest income | $189,000 | 8,604 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $65,000 | 8,754 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $124,000 | 6,546 |
| Total noninterest expense | $2,707,000 | 4,671 |
| Salaries and employee benefits | $1,266,000 | 4,978 |
| Premises and equipment expense | $332,000 | 5,224 |
| Additional noninterest expense | $1,109,000 | 4,003 |
| Pre-tax net operating income | $665,000 | 7,511 |
| Securities gains (losses) | $37,000 | 1,505 |
| Applicable income taxes | $239,000 | 6,808 |
| Income before extraordinary items | $463,000 | 7,527 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $463,000 | 7,526 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $414,000 | 1,567 |
| Cash dividends | $60,000 | 7,552 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $438,580 | 7,712 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,354,000 | 4,044 |
| Total interest expense | $4,102,000 | 2,971 |
| Net interest income | $3,252,000 | 5,261 |
| Provision for loan and lease losses | $240,000 | 2,662 |
| Total noninterest income | $122,000 | 10,249 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $59,000 | 9,379 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $63,000 | 8,968 |
| Total noninterest expense | $2,594,000 | 4,995 |
| Salaries and employee benefits | $1,163,000 | 5,407 |
| Premises and equipment expense | $328,000 | 5,336 |
| Additional noninterest expense | $1,103,000 | 4,346 |
| Pre-tax net operating income | $540,000 | 8,382 |
| Securities gains (losses) | $32,000 | 1,429 |
| Applicable income taxes | $196,000 | 7,404 |
| Income before extraordinary items | $376,000 | 8,398 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $376,000 | 8,402 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 6,413 |
| Cash dividends | $100,000 | 6,840 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $354,880 | 8,655 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,119,000 | 4,868 |
| Total interest expense | $3,166,000 | 3,937 |
| Net interest income | $2,953,000 | 5,725 |
| Provision for loan and lease losses | $210,000 | 3,794 |
| Total noninterest income | $109,000 | 11,107 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $53,000 | 9,944 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $56,000 | 9,758 |
| Total noninterest expense | $2,398,000 | 5,451 |
| Salaries and employee benefits | $1,063,000 | 5,816 |
| Premises and equipment expense | $304,000 | 5,786 |
| Additional noninterest expense | $1,031,000 | 4,784 |
| Pre-tax net operating income | $454,000 | 8,994 |
| Securities gains (losses) | $96,000 | 2,561 |
| Applicable income taxes | $202,000 | 7,571 |
| Income before extraordinary items | $348,000 | 8,954 |
| Extraordinary gains, net | $35,000 | 2,385 |
| Net income | $383,000 | 8,767 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 7,730 |
| Cash dividends | $100,000 | 6,847 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $286,560 | 9,369 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,080,000 | 6,312 |
| Total interest expense | $2,677,000 | 5,678 |
| Net interest income | $2,403,000 | 6,786 |
| Provision for loan and lease losses | $194,000 | 5,305 |
| Total noninterest income | $123,000 | 11,096 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $47,000 | 10,435 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $76,000 | 9,018 |
| Total noninterest expense | $2,100,000 | 6,141 |
| Salaries and employee benefits | $842,000 | 6,984 |
| Premises and equipment expense | $289,000 | 6,140 |
| Additional noninterest expense | $969,000 | 5,182 |
| Pre-tax net operating income | $231,000 | 10,782 |
| Securities gains (losses) | $84,000 | 3,291 |
| Applicable income taxes | $102,000 | 9,861 |
| Income before extraordinary items | $213,000 | 10,424 |
| Extraordinary gains, net | $40,000 | 1,063 |
| Net income | $253,000 | 10,028 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $279,000 | 3,489 |
| Cash dividends | $50,000 | 7,650 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $155,880 | 10,852 |
* 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.