Home > Northern Bank of Commerce > Income and Expense
Northern Bank of Commerce, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,038,000 | 4,930 |
| Total interest expense | $2,507,000 | 5,189 |
| Net interest income | $3,531,000 | 4,627 |
| Provision for loan and lease losses | $1,529,000 | 688 |
| Total noninterest income | $120,000 | 8,526 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $69,000 | 7,378 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $51,000 | 8,031 |
| Total noninterest expense | $3,539,000 | 3,677 |
| Salaries and employee benefits | $1,441,000 | 4,484 |
| Premises and equipment expense | $300,000 | 5,462 |
| Additional noninterest expense | $1,798,000 | 2,426 |
| Pre-tax net operating income | $-1,417,000 | 10,126 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $382,000 | 4,282 |
| Income before extraordinary items | $-1,799,000 | 10,151 |
| Extraordinary gains, net | $-21,000 | 10,163 |
| Net income | $-1,820,000 | 10,151 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $969,000 | 723 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-1,799,000 | 10,143 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,185,000 | 5,536 |
| Total interest expense | $2,163,000 | 5,900 |
| Net interest income | $3,022,000 | 5,108 |
| Provision for loan and lease losses | $683,000 | 1,344 |
| Total noninterest income | $144,000 | 8,311 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $34,000 | 8,429 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $110,000 | 6,403 |
| Total noninterest expense | $2,387,000 | 4,919 |
| Salaries and employee benefits | $1,004,000 | 5,781 |
| Premises and equipment expense | $303,000 | 5,351 |
| Additional noninterest expense | $1,080,000 | 3,688 |
| Pre-tax net operating income | $96,000 | 9,427 |
| Securities gains (losses) | $2,000 | 3,909 |
| Applicable income taxes | $-22,000 | 10,063 |
| Income before extraordinary items | $120,000 | 9,186 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $120,000 | 9,185 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 9,689 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $406,000 | 588 |
| Net operating income | $118,000 | 9,133 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,932,000 | 6,719 |
| Total interest expense | $1,637,000 | 7,034 |
| Net interest income | $2,295,000 | 6,374 |
| Provision for loan and lease losses | $206,000 | 3,376 |
| Total noninterest income | $257,000 | 7,135 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $18,000 | 9,171 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $239,000 | 4,496 |
| Total noninterest expense | $2,041,000 | 5,579 |
| Salaries and employee benefits | $894,000 | 6,321 |
| Premises and equipment expense | $363,000 | 4,768 |
| Additional noninterest expense | $784,000 | 4,802 |
| Pre-tax net operating income | $305,000 | 8,970 |
| Securities gains (losses) | $2,000 | 3,292 |
| Applicable income taxes | $-120,000 | 10,724 |
| Income before extraordinary items | $427,000 | 7,460 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $427,000 | 7,463 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 6,018 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $60,000 | 823 |
| Net operating income | $425,000 | 7,428 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,976,000 | 8,029 |
| Total interest expense | $1,347,000 | 7,966 |
| Net interest income | $1,629,000 | 7,950 |
| Provision for loan and lease losses | $99,000 | 5,170 |
| Total noninterest income | $382,000 | 6,106 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $8,000 | 9,783 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $374,000 | 3,527 |
| Total noninterest expense | $2,070,000 | 5,803 |
| Salaries and employee benefits | $1,066,000 | 5,718 |
| Premises and equipment expense | $352,000 | 4,999 |
| Additional noninterest expense | $652,000 | 6,017 |
| Pre-tax net operating income | $-158,000 | 11,024 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $-195,000 | 11,264 |
| Income before extraordinary items | $37,000 | 10,642 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $37,000 | 10,639 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 7,019 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $37,000 | 10,595 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,136,000 | 11,060 |
| Total interest expense | $474,000 | 11,115 |
| Net interest income | $662,000 | 10,945 |
| Provision for loan and lease losses | $136,000 | 3,832 |
| Total noninterest income | $441,000 | 5,624 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $5,000 | 10,251 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $436,000 | 3,146 |
| Total noninterest expense | $1,707,000 | 6,719 |
| Salaries and employee benefits | $938,000 | 6,359 |
| Premises and equipment expense | $308,000 | 5,516 |
| Additional noninterest expense | $461,000 | 7,599 |
| Pre-tax net operating income | $-740,000 | 11,845 |
| Securities gains (losses) | $-8,000 | 9,956 |
| Applicable income taxes | $0 | 11,151 |
| Income before extraordinary items | $-748,000 | 11,841 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-748,000 | 11,839 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $-740,000 | 11,830 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $126,000 | 12,574 |
| Total interest expense | $9,000 | 12,574 |
| Net interest income | $117,000 | 12,553 |
| Provision for loan and lease losses | $11,000 | 8,408 |
| Total noninterest income | $2,000 | 12,529 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 10,872 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,000 | 12,485 |
| Total noninterest expense | $521,000 | 11,500 |
| Salaries and employee benefits | $222,000 | 11,908 |
| Premises and equipment expense | $119,000 | 9,419 |
| Additional noninterest expense | $180,000 | 11,405 |
| Pre-tax net operating income | $-413,000 | 12,353 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $0 | 11,630 |
| Income before extraordinary items | $-413,000 | 12,324 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-413,000 | 12,320 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $4,845,000 | 181 |
| Net operating income | $-413,000 | 12,334 |
* 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.