Home > Merced Bank of Commerce > Income and Expense
Merced Bank of Commerce, Income and Expense
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,620,000 | 8,968 |
| Total interest expense | $663,000 | 10,809 |
| Net interest income | $1,957,000 | 7,806 |
| Provision for loan and lease losses | $256,000 | 3,328 |
| Total noninterest income | $210,000 | 9,043 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $164,000 | 6,750 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $46,000 | 10,323 |
| Total noninterest expense | $1,759,000 | 7,012 |
| Salaries and employee benefits | $895,000 | 6,742 |
| Premises and equipment expense | $192,000 | 7,842 |
| Additional noninterest expense | $672,000 | 6,775 |
| Pre-tax net operating income | $152,000 | 11,457 |
| Securities gains (losses) | $3,000 | 6,505 |
| Applicable income taxes | $55,000 | 10,820 |
| Income before extraordinary items | $100,000 | 11,800 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $100,000 | 11,848 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $209,000 | 3,055 |
| Cash dividends | $100,000 | 6,847 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $98,050 | 11,629 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,525,000 | 9,876 |
| Total interest expense | $845,000 | 11,114 |
| Net interest income | $1,680,000 | 8,721 |
| Provision for loan and lease losses | $89,000 | 7,639 |
| Total noninterest income | $166,000 | 10,133 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $149,000 | 7,134 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 12,822 |
| Total noninterest expense | $1,269,000 | 8,768 |
| Salaries and employee benefits | $682,000 | 8,126 |
| Premises and equipment expense | $119,000 | 10,050 |
| Additional noninterest expense | $468,000 | 8,781 |
| Pre-tax net operating income | $488,000 | 8,492 |
| Securities gains (losses) | $-2,000 | 12,861 |
| Applicable income taxes | $159,000 | 8,397 |
| Income before extraordinary items | $327,000 | 8,968 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $327,000 | 9,115 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 7,883 |
| Cash dividends | $98,000 | 6,713 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $328,340 | 8,597 |
* 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.