Home > The Bank of Commerce > Income and Expense
The Bank of Commerce, Income and Expense
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $143,000 | 8,980 |
| Total interest expense | $14,000 | 8,983 |
| Net interest income | $129,000 | 8,953 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $32,000 | 8,558 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $26,000 | 7,336 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $6,000 | 8,561 |
| Total noninterest expense | $126,000 | 9,011 |
| Salaries and employee benefits | $71,000 | 8,990 |
| Premises and equipment expense | $21,000 | 8,751 |
| Additional noninterest expense | $34,000 | 8,999 |
| Pre-tax net operating income | $35,000 | 8,324 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $2,000 | 7,043 |
| Income before extraordinary items | $33,000 | 8,366 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $33,000 | 8,369 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,839 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $33,000 | 8,305 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $72,000 | 9,027 |
| Total interest expense | $7,000 | 9,025 |
| Net interest income | $65,000 | 9,004 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $12,000 | 8,738 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $11,000 | 7,439 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $1,000 | 8,837 |
| Total noninterest expense | $66,000 | 9,046 |
| Salaries and employee benefits | $36,000 | 9,031 |
| Premises and equipment expense | $9,000 | 8,833 |
| Additional noninterest expense | $21,000 | 8,992 |
| Pre-tax net operating income | $11,000 | 8,422 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $1,000 | 6,972 |
| Income before extraordinary items | $10,000 | 8,469 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $10,000 | 8,470 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $10,000 | 8,405 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $307,000 | 9,037 |
| Total interest expense | $32,000 | 9,067 |
| Net interest income | $275,000 | 9,006 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $48,000 | 8,812 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $39,000 | 7,599 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $9,000 | 8,800 |
| Total noninterest expense | $274,000 | 9,088 |
| Salaries and employee benefits | $167,000 | 9,048 |
| Premises and equipment expense | $39,000 | 8,905 |
| Additional noninterest expense | $68,000 | 9,095 |
| Pre-tax net operating income | $49,000 | 8,383 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $8,000 | 7,101 |
| Income before extraordinary items | $41,000 | 8,491 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $41,000 | 8,494 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $65,000 | 5,814 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $41,000 | 8,396 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $234,000 | 9,117 |
| Total interest expense | $25,000 | 9,135 |
| Net interest income | $209,000 | 9,085 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $34,000 | 8,901 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $29,000 | 7,663 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $5,000 | 8,924 |
| Total noninterest expense | $172,000 | 9,173 |
| Salaries and employee benefits | $96,000 | 9,149 |
| Premises and equipment expense | $28,000 | 8,953 |
| Additional noninterest expense | $48,000 | 9,162 |
| Pre-tax net operating income | $71,000 | 8,366 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $4,000 | 7,286 |
| Income before extraordinary items | $67,000 | 8,430 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $67,000 | 8,432 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $67,000 | 8,314 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $159,000 | 9,164 |
| Total interest expense | $19,000 | 9,181 |
| Net interest income | $140,000 | 9,128 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $21,000 | 8,957 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $18,000 | 7,723 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $3,000 | 8,960 |
| Total noninterest expense | $113,000 | 9,202 |
| Salaries and employee benefits | $64,000 | 9,185 |
| Premises and equipment expense | $16,000 | 9,035 |
| Additional noninterest expense | $33,000 | 9,184 |
| Pre-tax net operating income | $48,000 | 8,384 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $1,000 | 7,438 |
| Income before extraordinary items | $47,000 | 8,452 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $47,000 | 8,453 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $47,000 | 8,320 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $80,000 | 9,204 |
| Total interest expense | $9,000 | 9,226 |
| Net interest income | $71,000 | 9,173 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $9,000 | 9,027 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $8,000 | 7,776 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,000 | 9,034 |
| Total noninterest expense | $64,000 | 9,231 |
| Salaries and employee benefits | $32,000 | 9,230 |
| Premises and equipment expense | $10,000 | 8,968 |
| Additional noninterest expense | $22,000 | 9,147 |
| Pre-tax net operating income | $16,000 | 8,507 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $16,000 | 8,542 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $16,000 | 8,540 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $16,000 | 8,428 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $344,000 | 9,222 |
| Total interest expense | $48,000 | 9,247 |
| Net interest income | $296,000 | 9,186 |
| Provision for loan and lease losses | $1,000 | 8,074 |
| Total noninterest income | $50,000 | 8,958 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $42,000 | 7,647 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $8,000 | 8,967 |
| Total noninterest expense | $274,000 | 9,259 |
| Salaries and employee benefits | $165,000 | 9,208 |
| Premises and equipment expense | $48,000 | 8,935 |
| Additional noninterest expense | $61,000 | 9,273 |
| Pre-tax net operating income | $71,000 | 8,399 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $11,000 | 7,271 |
| Income before extraordinary items | $60,000 | 8,510 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $60,000 | 8,512 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,516 |
| Cash dividends | $55,000 | 5,919 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $60,000 | 8,422 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $391,000 | 9,471 |
| Total interest expense | $83,000 | 9,475 |
| Net interest income | $308,000 | 9,401 |
| Provision for loan and lease losses | $1,000 | 8,207 |
| Total noninterest income | $42,000 | 9,250 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $33,000 | 7,927 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $9,000 | 9,168 |
| Total noninterest expense | $260,000 | 9,525 |
| Salaries and employee benefits | $163,000 | 9,468 |
| Premises and equipment expense | $37,000 | 9,335 |
| Additional noninterest expense | $60,000 | 9,530 |
| Pre-tax net operating income | $89,000 | 8,380 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $15,000 | 7,441 |
| Income before extraordinary items | $74,000 | 8,473 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $74,000 | 8,472 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $75,000 | 5,935 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $74,000 | 8,372 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $452,000 | 9,721 |
| Total interest expense | $111,000 | 9,737 |
| Net interest income | $341,000 | 9,651 |
| Provision for loan and lease losses | $2,000 | 8,255 |
| Total noninterest income | $39,000 | 9,472 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $30,000 | 8,075 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $9,000 | 9,477 |
| Total noninterest expense | $256,000 | 9,804 |
| Salaries and employee benefits | $162,000 | 9,717 |
| Premises and equipment expense | $32,000 | 9,646 |
| Additional noninterest expense | $62,000 | 9,803 |
| Pre-tax net operating income | $122,000 | 8,721 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $27,000 | 7,689 |
| Income before extraordinary items | $95,000 | 8,742 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $95,000 | 8,742 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,468 |
| Cash dividends | $75,000 | 6,167 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $95,000 | 8,726 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $470,000 | 9,989 |
| Total interest expense | $138,000 | 10,015 |
| Net interest income | $332,000 | 9,920 |
| Provision for loan and lease losses | $1,000 | 8,482 |
| Total noninterest income | $42,000 | 9,707 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $33,000 | 8,233 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $9,000 | 9,783 |
| Total noninterest expense | $259,000 | 10,106 |
| Salaries and employee benefits | $162,000 | 10,019 |
| Premises and equipment expense | $34,000 | 9,919 |
| Additional noninterest expense | $63,000 | 10,115 |
| Pre-tax net operating income | $114,000 | 9,005 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $27,000 | 8,078 |
| Income before extraordinary items | $87,000 | 9,051 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $87,000 | 9,049 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,619 |
| Cash dividends | $500,000 | 3,483 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $87,000 | 9,019 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $462,000 | 10,242 |
| Total interest expense | $128,000 | 10,271 |
| Net interest income | $334,000 | 10,164 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $46,000 | 9,896 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $37,000 | 8,358 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $9,000 | 10,010 |
| Total noninterest expense | $254,000 | 10,326 |
| Salaries and employee benefits | $157,000 | 10,253 |
| Premises and equipment expense | $38,000 | 10,066 |
| Additional noninterest expense | $59,000 | 10,355 |
| Pre-tax net operating income | $126,000 | 9,300 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $37,000 | 8,566 |
| Income before extraordinary items | $89,000 | 9,408 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $89,000 | 9,409 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,100 |
| Cash dividends | $50,000 | 6,861 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $89,000 | 9,344 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $458,000 | 10,726 |
| Total interest expense | $123,000 | 10,759 |
| Net interest income | $335,000 | 10,644 |
| Provision for loan and lease losses | $2,000 | 8,765 |
| Total noninterest income | $47,000 | 10,338 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $38,000 | 8,734 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $9,000 | 10,473 |
| Total noninterest expense | $254,000 | 10,769 |
| Salaries and employee benefits | $158,000 | 10,702 |
| Premises and equipment expense | $35,000 | 10,527 |
| Additional noninterest expense | $61,000 | 10,785 |
| Pre-tax net operating income | $126,000 | 9,963 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $20,000 | 9,723 |
| Income before extraordinary items | $106,000 | 9,924 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $106,000 | 9,925 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,223 |
| Cash dividends | $38,000 | 7,383 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $106,000 | 9,880 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $437,000 | 11,289 |
| Total interest expense | $116,000 | 11,319 |
| Net interest income | $321,000 | 11,205 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $52,000 | 10,816 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $43,000 | 9,024 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $9,000 | 11,015 |
| Total noninterest expense | $261,000 | 11,297 |
| Salaries and employee benefits | $155,000 | 11,213 |
| Premises and equipment expense | $39,000 | 10,933 |
| Additional noninterest expense | $67,000 | 11,319 |
| Pre-tax net operating income | $112,000 | 10,308 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $31,000 | 10,021 |
| Income before extraordinary items | $81,000 | 10,385 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $81,000 | 10,384 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $25,000 | 7,964 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $81,000 | 10,341 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $466,000 | 11,802 |
| Total interest expense | $130,000 | 11,847 |
| Net interest income | $336,000 | 11,713 |
| Provision for loan and lease losses | $1,000 | 8,909 |
| Total noninterest income | $52,000 | 11,315 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $44,000 | 9,427 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $8,000 | 11,604 |
| Total noninterest expense | $257,000 | 11,803 |
| Salaries and employee benefits | $150,000 | 11,740 |
| Premises and equipment expense | $38,000 | 11,427 |
| Additional noninterest expense | $69,000 | 11,815 |
| Pre-tax net operating income | $130,000 | 10,908 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $33,000 | 10,533 |
| Income before extraordinary items | $97,000 | 10,955 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $97,000 | 10,956 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,657 |
| Cash dividends | $20,000 | 8,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $97,000 | 10,930 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $415,000 | 12,468 |
| Total interest expense | $117,000 | 12,491 |
| Net interest income | $298,000 | 12,405 |
| Provision for loan and lease losses | $1,000 | 9,105 |
| Total noninterest income | $55,000 | 11,823 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $46,000 | 9,835 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $9,000 | 12,149 |
| Total noninterest expense | $243,000 | 12,460 |
| Salaries and employee benefits | $144,000 | 12,383 |
| Premises and equipment expense | $27,000 | 12,284 |
| Additional noninterest expense | $72,000 | 12,466 |
| Pre-tax net operating income | $109,000 | 11,571 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $24,000 | 11,075 |
| Income before extraordinary items | $85,000 | 11,522 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $85,000 | 11,529 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,704 |
| Cash dividends | $13,000 | 8,715 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $85,000 | 11,573 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $375,000 | 13,139 |
| Total interest expense | $116,000 | 13,155 |
| Net interest income | $259,000 | 13,065 |
| Provision for loan and lease losses | $1,000 | 10,323 |
| Total noninterest income | $55,000 | 12,417 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $45,000 | 10,233 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $10,000 | 12,761 |
| Total noninterest expense | $238,000 | 13,126 |
| Salaries and employee benefits | $138,000 | 13,051 |
| Premises and equipment expense | $31,000 | 12,825 |
| Additional noninterest expense | $69,000 | 13,143 |
| Pre-tax net operating income | $75,000 | 12,021 |
| Securities gains (losses) | $1,000 | 7,052 |
| Applicable income taxes | $14,000 | 11,735 |
| Income before extraordinary items | $62,000 | 12,161 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $62,000 | 12,192 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $10,000 | 8,880 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $61,180 | 12,017 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $428,000 | 13,757 |
| Total interest expense | $154,000 | 13,771 |
| Net interest income | $274,000 | 13,664 |
| Provision for loan and lease losses | $6,000 | 11,435 |
| Total noninterest income | $51,000 | 13,086 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $41,000 | 10,666 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $10,000 | 13,358 |
| Total noninterest expense | $249,000 | 13,697 |
| Salaries and employee benefits | $137,000 | 13,639 |
| Premises and equipment expense | $39,000 | 13,096 |
| Additional noninterest expense | $73,000 | 13,736 |
| Pre-tax net operating income | $70,000 | 12,272 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $6,000 | 12,482 |
| Income before extraordinary items | $64,000 | 12,420 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $64,000 | 12,437 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 10,255 |
| Cash dividends | $7,000 | 8,781 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $64,000 | 12,133 |
* 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.