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Mercantile Bank of St. Louis, Income and Expense

1998-12-31 (YTD Data)Rank
Total interest income$1,491,694,00047
Total interest expense$811,330,00043
Net interest income$680,364,00053
Provision for loan and lease losses$14,200,000172
Total noninterest income$275,424,00083
Gross Fiduciary activities income$37,050,00069
Service charges on deposit accounts$63,492,00053
Trading account gains and fees$16,328,00030
Additional Noninterest Income$158,554,00093
Total noninterest expense$455,353,00074
Salaries and employee benefits$281,123,00048
Premises and equipment expense$73,175,00059
Additional noninterest expense$101,055,000141
Pre-tax net operating income$486,235,00042
Securities gains (losses)$11,888,00061
Applicable income taxes$153,820,00043
Income before extraordinary items$344,303,00037
Extraordinary gains, net$032
Net income$344,303,00038
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$18,263,000131
Cash dividends$205,157,00045
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$336,100,28038
1997-12-31 (YTD Data)Rank
Total interest income$5,071,0005,744
Total interest expense$2,446,0005,503
Net interest income$2,625,0005,852
Provision for loan and lease losses$-220,00010,835
Total noninterest income$403,0005,699
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$180,0005,659
Trading account gains and feesNANA
Additional Noninterest Income$223,0004,697
Total noninterest expense$1,348,0007,187
Salaries and employee benefits$519,0008,467
Premises and equipment expense$157,0007,652
Additional noninterest expense$672,0005,374
Pre-tax net operating income$1,900,0003,702
Securities gains (losses)$03,944
Applicable income taxes$716,0003,184
Income before extraordinary items$1,184,0004,104
Extraordinary gains, net$044
Net income$1,184,0004,104
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$206,0002,504
Cash dividends$1,000,0002,147
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$1,184,0004,041
1996-12-31 (YTD Data)Rank
Total interest income$5,093,0005,859
Total interest expense$2,219,0006,013
Net interest income$2,874,0005,625
Provision for loan and lease losses$365,0002,228
Total noninterest income$485,0005,273
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$201,0005,545
Trading account gains and feesNANA
Additional Noninterest Income$284,0004,213
Total noninterest expense$1,303,0007,655
Salaries and employee benefits$549,0008,499
Premises and equipment expense$162,0007,785
Additional noninterest expense$592,0006,401
Pre-tax net operating income$1,691,0003,950
Securities gains (losses)$04,148
Applicable income taxes$628,0003,452
Income before extraordinary items$1,063,0004,262
Extraordinary gains, net$053
Net income$1,063,0004,263
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$700,0001,113
Cash dividends$1,000,0002,117
Sale, conversion, retirement of capital stock, net$0953
Net operating income$1,063,0004,211
1995-12-31 (YTD Data)Rank
Total interest income$5,006,0005,980
Total interest expense$1,940,0006,609
Net interest income$3,066,0005,406
Provision for loan and lease losses$460,0001,682
Total noninterest income$410,0005,893
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$245,0005,015
Trading account gains and feesNANA
Additional Noninterest Income$165,0005,697
Total noninterest expense$1,345,0007,754
Salaries and employee benefits$548,0008,736
Premises and equipment expense$149,0008,299
Additional noninterest expense$648,0006,215
Pre-tax net operating income$1,671,0004,076
Securities gains (losses)$03,831
Applicable income taxes$632,0003,542
Income before extraordinary items$1,039,0004,441
Extraordinary gains, net$065
Net income$1,039,0004,439
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$319,0001,871
Cash dividends$1,000,0002,009
Sale, conversion, retirement of capital stock, net$0809
Net operating income$1,039,0004,439
1994-12-31 (YTD Data)Rank
Total interest income$4,758,0005,893
Total interest expense$1,574,0006,672
Net interest income$3,184,0005,348
Provision for loan and lease losses$360,0001,966
Total noninterest income$466,0005,543
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$303,0004,324
Trading account gains and feesNANA
Additional Noninterest Income$163,0005,950
Total noninterest expense$1,525,0007,525
Salaries and employee benefits$759,0007,452
Premises and equipment expense$82,00010,584
Additional noninterest expense$684,0006,442
Pre-tax net operating income$1,765,0003,818
Securities gains (losses)$03,600
Applicable income taxes$666,0003,208
Income before extraordinary items$1,099,0004,184
Extraordinary gains, net$0249
Net income$1,099,0004,186
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$433,0001,503
Cash dividends$1,528,0001,382
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$1,099,0004,233
1993-12-31 (YTD Data)Rank
Total interest income$4,811,0005,971
Total interest expense$1,709,0006,590
Net interest income$3,102,0005,510
Provision for loan and lease losses$345,0002,740
Total noninterest income$328,0007,285
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$251,0005,103
Trading account gains and feesNANA
Additional Noninterest Income$77,0008,764
Total noninterest expense$1,528,0007,742
Salaries and employee benefits$734,0007,754
Premises and equipment expense$100,00010,444
Additional noninterest expense$694,0006,607
Pre-tax net operating income$1,557,0004,171
Securities gains (losses)$07,477
Applicable income taxes$573,0003,737
Income before extraordinary items$984,0004,765
Extraordinary gains, net$3,0003,100
Net income$987,0004,891
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$720,0001,418
Cash dividends$872,0001,993
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$984,0004,517
1992-12-31 (YTD Data)Rank
Total interest income$5,350,0006,032
Total interest expense$2,189,0006,640
Net interest income$3,161,0005,476
Provision for loan and lease losses$521,0002,901
Total noninterest income$288,0007,888
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$221,0005,597
Trading account gains and feesNANA
Additional Noninterest Income$67,0009,442
Total noninterest expense$1,332,0008,553
Salaries and employee benefits$636,0008,496
Premises and equipment expense$107,00010,495
Additional noninterest expense$589,0007,607
Pre-tax net operating income$1,596,0003,812
Securities gains (losses)$08,369
Applicable income taxes$597,0003,450
Income before extraordinary items$999,0004,515
Extraordinary gains, net$01,422
Net income$999,0004,556
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$356,0003,027
Cash dividends$751,0002,006
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$999,0004,191

* 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.