Home > Modesto Commerce Bank > Income and Expense
Modesto Commerce Bank, Income and Expense
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $10,840,000 | 1,991 |
| Total interest expense | $2,387,000 | 2,807 |
| Net interest income | $8,453,000 | 1,740 |
| Provision for loan and lease losses | $265,000 | 2,760 |
| Total noninterest income | $580,000 | 4,350 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $368,000 | 3,149 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $212,000 | 4,677 |
| Total noninterest expense | $3,666,000 | 3,098 |
| Salaries and employee benefits | $2,280,000 | 2,741 |
| Premises and equipment expense | $455,000 | 3,487 |
| Additional noninterest expense | $931,000 | 3,612 |
| Pre-tax net operating income | $5,102,000 | 1,261 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $2,063,000 | 1,036 |
| Income before extraordinary items | $3,039,000 | 1,592 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $3,039,000 | 1,591 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $293,000 | 1,731 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $3,039,000 | 1,522 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,964,000 | 2,093 |
| Total interest expense | $1,621,000 | 2,843 |
| Net interest income | $5,343,000 | 1,824 |
| Provision for loan and lease losses | $175,000 | 2,769 |
| Total noninterest income | $376,000 | 4,401 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $235,000 | 3,217 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $141,000 | 4,673 |
| Total noninterest expense | $2,457,000 | 3,089 |
| Salaries and employee benefits | $1,547,000 | 2,714 |
| Premises and equipment expense | $303,000 | 3,453 |
| Additional noninterest expense | $607,000 | 3,667 |
| Pre-tax net operating income | $3,087,000 | 1,386 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $1,249,000 | 1,137 |
| Income before extraordinary items | $1,838,000 | 1,764 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,838,000 | 1,764 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $292,000 | 1,275 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,838,000 | 1,646 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,353,000 | 2,189 |
| Total interest expense | $820,000 | 2,870 |
| Net interest income | $2,533,000 | 1,929 |
| Provision for loan and lease losses | $85,000 | 2,667 |
| Total noninterest income | $180,000 | 4,416 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $108,000 | 3,351 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $72,000 | 4,544 |
| Total noninterest expense | $1,216,000 | 3,096 |
| Salaries and employee benefits | $761,000 | 2,730 |
| Premises and equipment expense | $153,000 | 3,437 |
| Additional noninterest expense | $302,000 | 3,641 |
| Pre-tax net operating income | $1,412,000 | 1,501 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $569,000 | 1,233 |
| Income before extraordinary items | $843,000 | 1,878 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $843,000 | 1,877 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $293,000 | 716 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $843,000 | 1,772 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $12,890,000 | 2,390 |
| Total interest expense | $3,398,000 | 3,192 |
| Net interest income | $9,492,000 | 2,045 |
| Provision for loan and lease losses | $608,000 | 2,038 |
| Total noninterest income | $637,000 | 4,574 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $385,000 | 3,622 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $252,000 | 4,595 |
| Total noninterest expense | $4,412,000 | 3,274 |
| Salaries and employee benefits | $2,599,000 | 3,025 |
| Premises and equipment expense | $590,000 | 3,463 |
| Additional noninterest expense | $1,223,000 | 3,558 |
| Pre-tax net operating income | $5,109,000 | 1,599 |
| Securities gains (losses) | $78,000 | 1,993 |
| Applicable income taxes | $2,103,000 | 1,235 |
| Income before extraordinary items | $3,084,000 | 1,943 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,084,000 | 1,942 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-166,000 | 9,273 |
| Cash dividends | $699,000 | 2,915 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,034,080 | 1,917 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $12,231,000 | 2,766 |
| Total interest expense | $3,916,000 | 3,870 |
| Net interest income | $8,315,000 | 2,149 |
| Provision for loan and lease losses | $540,000 | 2,073 |
| Total noninterest income | $436,000 | 5,459 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $259,000 | 4,556 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $177,000 | 5,198 |
| Total noninterest expense | $3,446,000 | 3,867 |
| Salaries and employee benefits | $2,004,000 | 3,585 |
| Premises and equipment expense | $486,000 | 3,980 |
| Additional noninterest expense | $956,000 | 4,214 |
| Pre-tax net operating income | $4,765,000 | 1,505 |
| Securities gains (losses) | $-9,000 | 9,278 |
| Applicable income taxes | $1,913,000 | 1,223 |
| Income before extraordinary items | $2,843,000 | 1,850 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,843,000 | 1,853 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $250,000 | 2,498 |
| Cash dividends | $2,804,000 | 983 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,848,760 | 1,778 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $9,831,000 | 3,449 |
| Total interest expense | $3,325,000 | 4,556 |
| Net interest income | $6,506,000 | 2,739 |
| Provision for loan and lease losses | $480,000 | 1,938 |
| Total noninterest income | $294,000 | 6,361 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $199,000 | 5,102 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $95,000 | 6,548 |
| Total noninterest expense | $2,867,000 | 4,387 |
| Salaries and employee benefits | $1,518,000 | 4,321 |
| Premises and equipment expense | $395,000 | 4,550 |
| Additional noninterest expense | $954,000 | 4,139 |
| Pre-tax net operating income | $3,453,000 | 2,110 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,389,000 | 1,609 |
| Income before extraordinary items | $2,064,000 | 2,484 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,064,000 | 2,483 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 6,846 |
| Cash dividends | $168,000 | 5,362 |
| Sale, conversion, retirement of capital stock, net | $630,000 | 512 |
| Net operating income | $2,064,000 | 2,490 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,964,000 | 4,968 |
| Total interest expense | $1,860,000 | 6,244 |
| Net interest income | $4,104,000 | 4,081 |
| Provision for loan and lease losses | $600,000 | 1,498 |
| Total noninterest income | $149,000 | 8,114 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $102,000 | 6,671 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $47,000 | 8,163 |
| Total noninterest expense | $2,285,000 | 5,185 |
| Salaries and employee benefits | $1,218,000 | 5,112 |
| Premises and equipment expense | $335,000 | 5,122 |
| Additional noninterest expense | $732,000 | 5,096 |
| Pre-tax net operating income | $1,368,000 | 4,367 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $460,000 | 3,802 |
| Income before extraordinary items | $908,000 | 4,721 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $908,000 | 4,720 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $908,000 | 4,682 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,351,000 | 8,256 |
| Total interest expense | $644,000 | 9,353 |
| Net interest income | $1,707,000 | 7,279 |
| Provision for loan and lease losses | $500,000 | 1,714 |
| Total noninterest income | $39,000 | 9,987 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $21,000 | 8,696 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 9,566 |
| Total noninterest expense | $1,435,000 | 6,867 |
| Salaries and employee benefits | $749,000 | 6,921 |
| Premises and equipment expense | $182,000 | 7,012 |
| Additional noninterest expense | $504,000 | 6,403 |
| Pre-tax net operating income | $-189,000 | 9,987 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-189,000 | 10,039 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-189,000 | 10,035 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $13,695,000 | 69 |
| Net operating income | $-189,000 | 10,006 |
* 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.