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First Commerce Bank, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$3,355,0007,113
Total interest expense$1,093,0008,172
Net interest income$2,262,0006,193
Provision for loan and lease losses$109,0004,942
Total noninterest income$549,0004,665
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$338,0003,579
Trading account gains and feesNANA
Additional Noninterest Income$211,0004,828
Total noninterest expense$1,824,0005,939
Salaries and employee benefits$948,0005,991
Premises and equipment expense$280,0005,588
Additional noninterest expense$596,0005,780
Pre-tax net operating income$878,0005,815
Securities gains (losses)$04,449
Applicable income taxes$322,0004,980
Income before extraordinary items$556,0006,292
Extraordinary gains, net$032
Net income$556,0006,291
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$105,0003,569
Cash dividends$185,0005,503
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$556,0006,173
1997-12-31 (YTD Data)Rank
Total interest income$2,685,0008,145
Total interest expense$769,0009,342
Net interest income$1,916,0007,091
Provision for loan and lease losses$68,0005,978
Total noninterest income$474,0005,173
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$336,0003,736
Trading account gains and feesNANA
Additional Noninterest Income$138,0005,921
Total noninterest expense$1,529,0006,718
Salaries and employee benefits$796,0006,807
Premises and equipment expense$209,0006,683
Additional noninterest expense$524,0006,320
Pre-tax net operating income$793,0006,571
Securities gains (losses)$03,944
Applicable income taxes$292,0005,803
Income before extraordinary items$501,0006,968
Extraordinary gains, net$044
Net income$501,0006,971
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$10,0007,353
Cash dividends$175,0005,659
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$501,0006,898
1996-12-31 (YTD Data)Rank
Total interest income$2,367,0008,882
Total interest expense$670,00010,061
Net interest income$1,697,0007,783
Provision for loan and lease losses$54,0006,461
Total noninterest income$384,0006,090
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$250,0004,824
Trading account gains and feesNANA
Additional Noninterest Income$134,0006,294
Total noninterest expense$1,360,0007,485
Salaries and employee benefits$739,0007,312
Premises and equipment expense$188,0007,257
Additional noninterest expense$433,0007,607
Pre-tax net operating income$667,0007,082
Securities gains (losses)$04,148
Applicable income taxes$251,0006,439
Income before extraordinary items$416,0007,489
Extraordinary gains, net$053
Net income$416,0007,487
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$16,0007,019
Cash dividends$08,336
Sale, conversion, retirement of capital stock, net$0953
Net operating income$416,0007,434
1995-12-31 (YTD Data)Rank
Total interest income$2,090,0009,587
Total interest expense$553,00010,845
Net interest income$1,537,0008,435
Provision for loan and lease losses$45,0006,418
Total noninterest income$426,0005,749
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$288,0004,444
Trading account gains and feesNANA
Additional Noninterest Income$138,0006,215
Total noninterest expense$1,317,0007,818
Salaries and employee benefits$690,0007,780
Premises and equipment expense$196,0007,269
Additional noninterest expense$431,0007,890
Pre-tax net operating income$601,0007,865
Securities gains (losses)$03,831
Applicable income taxes$194,0007,520
Income before extraordinary items$407,0007,996
Extraordinary gains, net$065
Net income$407,0007,994
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$50,0005,140
Cash dividends$08,717
Sale, conversion, retirement of capital stock, net$0809
Net operating income$407,0007,959
1994-12-31 (YTD Data)Rank
Total interest income$1,545,00010,655
Total interest expense$379,00011,692
Net interest income$1,166,0009,846
Provision for loan and lease losses$157,0003,516
Total noninterest income$554,0004,932
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$312,0004,229
Trading account gains and feesNANA
Additional Noninterest Income$242,0004,685
Total noninterest expense$1,344,0008,103
Salaries and employee benefits$621,0008,479
Premises and equipment expense$192,0007,613
Additional noninterest expense$531,0007,591
Pre-tax net operating income$219,00010,742
Securities gains (losses)$03,600
Applicable income taxes$75,0009,915
Income before extraordinary items$144,00010,891
Extraordinary gains, net$0249
Net income$144,00010,896
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$44,0005,355
Cash dividends$08,932
Sale, conversion, retirement of capital stock, net$67,000877
Net operating income$144,00010,948
1993-12-31 (YTD Data)Rank
Total interest income$1,148,00011,992
Total interest expense$332,00012,522
Net interest income$816,00011,450
Provision for loan and lease losses$24,0008,778
Total noninterest income$476,0005,785
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$198,0006,009
Trading account gains and feesNANA
Additional Noninterest Income$278,0004,681
Total noninterest expense$1,052,0009,517
Salaries and employee benefits$559,0009,133
Premises and equipment expense$145,0009,044
Additional noninterest expense$348,0009,861
Pre-tax net operating income$216,00010,902
Securities gains (losses)$07,477
Applicable income taxes$52,00010,892
Income before extraordinary items$164,00011,038
Extraordinary gains, net$03,149
Net income$164,00011,126
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$31,0006,983
Cash dividends$09,081
Sale, conversion, retirement of capital stock, net$79,000927
Net operating income$164,00010,829
1992-12-31 (YTD Data)Rank
Total interest income$1,066,00012,900
Total interest expense$404,00013,170
Net interest income$662,00012,469
Provision for loan and lease losses$105,0007,133
Total noninterest income$393,0006,620
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$152,0007,048
Trading account gains and feesNANA
Additional Noninterest Income$241,0005,087
Total noninterest expense$788,00011,063
Salaries and employee benefits$386,00011,030
Premises and equipment expense$120,00010,011
Additional noninterest expense$282,00011,101
Pre-tax net operating income$162,00011,403
Securities gains (losses)$08,369
Applicable income taxes$46,00011,363
Income before extraordinary items$116,00011,722
Extraordinary gains, net$46,0001,017
Net income$162,00011,194
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$23,0008,917
Cash dividends$08,912
Sale, conversion, retirement of capital stock, net$340,000628
Net operating income$116,00011,415

* 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.