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The Commercial Bank, Income and Expense

2003-03-31 (YTD Data)Rank
Total interest income$572,0007,442
Total interest expense$218,0006,841
Net interest income$354,0007,586
Provision for loan and lease losses$06,934
Total noninterest income$36,0007,906
Gross Fiduciary activities income$01,504
Service charges on deposit accounts$18,0007,056
Trading account gains and fees$0134
Additional Noninterest Income$18,0007,075
Total noninterest expense$265,0007,792
Salaries and employee benefits$131,0008,020
Premises and equipment expense$11,0008,922
Additional noninterest expense$123,0006,572
Pre-tax net operating income$125,0006,826
Securities gains (losses)$02,891
Applicable income taxes$38,0005,468
Income before extraordinary items$87,0007,137
Extraordinary gains, net$021
Net income$87,0007,140
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$4,0004,678
Cash dividends$03,930
Sale, conversion, retirement of capital stock, net$0419
Net operating income$87,0006,985
2002-12-31 (YTD Data)Rank
Total interest income$2,394,0007,449
Total interest expense$1,051,0006,796
Net interest income$1,343,0007,694
Provision for loan and lease losses$08,089
Total noninterest income$191,0007,409
Gross Fiduciary activities income$01,713
Service charges on deposit accounts$97,0006,623
Trading account gains and fees$0153
Additional Noninterest Income$94,0006,565
Total noninterest expense$996,0007,944
Salaries and employee benefits$581,0007,787
Premises and equipment expense$70,0008,597
Additional noninterest expense$345,0007,507
Pre-tax net operating income$538,0006,619
Securities gains (losses)$04,537
Applicable income taxes$163,0005,404
Income before extraordinary items$375,0006,960
Extraordinary gains, net$070
Net income$375,0006,961
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$20,0006,321
Cash dividends$40,0006,043
Sale, conversion, retirement of capital stock, net$0862
Net operating income$375,0006,833
2001-12-31 (YTD Data)Rank
Total interest income$2,887,0007,377
Total interest expense$1,491,0006,989
Net interest income$1,396,0007,526
Provision for loan and lease losses$405,0002,593
Total noninterest income$181,0007,516
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$91,0006,756
Trading account gains and fees$0177
Additional Noninterest Income$90,0006,656
Total noninterest expense$1,016,0007,916
Salaries and employee benefits$566,0007,824
Premises and equipment expense$88,0008,488
Additional noninterest expense$362,0007,413
Pre-tax net operating income$156,0008,082
Securities gains (losses)$04,612
Applicable income taxes$6,0007,708
Income before extraordinary items$150,0008,032
Extraordinary gains, net$0105
Net income$150,0008,034
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$380,0001,899
Cash dividends$50,0006,151
Sale, conversion, retirement of capital stock, net$0922
Net operating income$150,0007,915
2000-12-31 (YTD Data)Rank
Total interest income$3,062,0007,349
Total interest expense$1,485,0007,200
Net interest income$1,577,0007,339
Provision for loan and lease losses$120,0004,828
Total noninterest income$210,0007,168
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$108,0006,428
Trading account gains and feesNANA
Additional Noninterest Income$102,0006,386
Total noninterest expense$938,0008,198
Salaries and employee benefits$537,0008,048
Premises and equipment expense$88,0008,649
Additional noninterest expense$313,0007,847
Pre-tax net operating income$729,0006,120
Securities gains (losses)$01,956
Applicable income taxes$215,0005,263
Income before extraordinary items$514,0006,242
Extraordinary gains, net$038
Net income$514,0006,240
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$113,0003,380
Cash dividends$90,0006,048
Sale, conversion, retirement of capital stock, net$0969
Net operating income$514,0006,265
1999-12-31 (YTD Data)Rank
Total interest income$2,939,0007,449
Total interest expense$1,488,0007,009
Net interest income$1,451,0007,681
Provision for loan and lease losses$338,0002,426
Total noninterest income$177,0007,756
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$110,0006,532
Trading account gains and feesNANA
Additional Noninterest Income$67,0007,520
Total noninterest expense$926,0008,342
Salaries and employee benefits$508,0008,302
Premises and equipment expense$86,0008,905
Additional noninterest expense$332,0007,859
Pre-tax net operating income$364,0007,768
Securities gains (losses)$03,155
Applicable income taxes$97,0006,963
Income before extraordinary items$267,0007,816
Extraordinary gains, net$035
Net income$267,0007,815
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$274,0001,942
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$267,0007,790
1998-12-31 (YTD Data)Rank
Total interest income$2,889,0007,658
Total interest expense$1,492,0007,208
Net interest income$1,397,0007,912
Provision for loan and lease losses$220,0003,309
Total noninterest income$187,0007,739
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$118,0006,506
Trading account gains and feesNANA
Additional Noninterest Income$69,0007,511
Total noninterest expense$896,0008,443
Salaries and employee benefits$484,0008,454
Premises and equipment expense$79,0009,163
Additional noninterest expense$333,0007,812
Pre-tax net operating income$468,0007,540
Securities gains (losses)$04,449
Applicable income taxes$174,0006,522
Income before extraordinary items$294,0007,935
Extraordinary gains, net$032
Net income$294,0007,934
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$302,0001,843
Cash dividends$230,0005,101
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$294,0007,852
1997-12-31 (YTD Data)Rank
Total interest income$2,720,0008,106
Total interest expense$1,422,0007,537
Net interest income$1,298,0008,475
Provision for loan and lease losses$77,0005,729
Total noninterest income$231,0007,453
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$112,0006,942
Trading account gains and feesNANA
Additional Noninterest Income$119,0006,301
Total noninterest expense$849,0008,854
Salaries and employee benefits$443,0008,993
Premises and equipment expense$83,0009,364
Additional noninterest expense$323,0008,096
Pre-tax net operating income$603,0007,408
Securities gains (losses)$03,944
Applicable income taxes$185,0007,103
Income before extraordinary items$418,0007,522
Extraordinary gains, net$044
Net income$418,0007,525
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$82,0004,192
Cash dividends$207,0005,298
Sale, conversion, retirement of capital stock, net$01,030
Net operating income$418,0007,466
1996-12-31 (YTD Data)Rank
Total interest income$2,700,0008,429
Total interest expense$1,398,0007,833
Net interest income$1,302,0008,768
Provision for loan and lease losses$40,0006,972
Total noninterest income$190,0008,375
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$99,0007,516
Trading account gains and feesNANA
Additional Noninterest Income$91,0007,410
Total noninterest expense$781,0009,502
Salaries and employee benefits$432,0009,376
Premises and equipment expense$84,0009,709
Additional noninterest expense$265,0009,239
Pre-tax net operating income$671,0007,064
Securities gains (losses)$-4,0009,823
Applicable income taxes$197,0007,178
Income before extraordinary items$470,0007,108
Extraordinary gains, net$053
Net income$470,0007,110
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-33,00010,875
Cash dividends$215,0005,276
Sale, conversion, retirement of capital stock, net$0953
Net operating income$472,8007,029
1995-12-31 (YTD Data)Rank
Total interest income$2,591,0008,822
Total interest expense$1,285,0008,329
Net interest income$1,306,0009,054
Provision for loan and lease losses$08,958
Total noninterest income$162,0009,105
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$103,0007,717
Trading account gains and feesNANA
Additional Noninterest Income$59,0008,803
Total noninterest expense$803,0009,756
Salaries and employee benefits$470,0009,360
Premises and equipment expense$82,00010,145
Additional noninterest expense$251,0009,808
Pre-tax net operating income$665,0007,511
Securities gains (losses)$03,831
Applicable income taxes$207,0007,304
Income before extraordinary items$458,0007,576
Extraordinary gains, net$065
Net income$458,0007,575
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-7,00010,497
Cash dividends$137,0006,265
Sale, conversion, retirement of capital stock, net$0809
Net operating income$458,0007,549
1994-12-31 (YTD Data)Rank
Total interest income$2,189,0009,450
Total interest expense$1,007,0008,664
Net interest income$1,182,0009,802
Provision for loan and lease losses$09,146
Total noninterest income$157,0009,573
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$105,0007,965
Trading account gains and feesNANA
Additional Noninterest Income$52,0009,512
Total noninterest expense$747,00010,481
Salaries and employee benefits$406,00010,237
Premises and equipment expense$63,00011,198
Additional noninterest expense$278,00010,206
Pre-tax net operating income$592,0008,048
Securities gains (losses)$-6,0009,509
Applicable income taxes$166,0008,002
Income before extraordinary items$420,0007,996
Extraordinary gains, net$0249
Net income$420,0008,003
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$48,0005,198
Cash dividends$100,0006,840
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$424,3207,996
1993-12-31 (YTD Data)Rank
Total interest income$2,050,00010,079
Total interest expense$1,008,0009,074
Net interest income$1,042,00010,621
Provision for loan and lease losses$010,371
Total noninterest income$126,00010,712
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$100,0008,366
Trading account gains and feesNANA
Additional Noninterest Income$26,00011,580
Total noninterest expense$738,00010,976
Salaries and employee benefits$369,00010,953
Premises and equipment expense$78,00011,231
Additional noninterest expense$291,00010,559
Pre-tax net operating income$430,0009,184
Securities gains (losses)$4,0006,316
Applicable income taxes$133,0009,018
Income before extraordinary items$301,0009,477
Extraordinary gains, net$03,149
Net income$301,0009,630
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-7,00011,543
Cash dividends$322,0004,200
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$298,2409,236
1992-12-31 (YTD Data)Rank
Total interest income$2,064,00010,773
Total interest expense$1,100,0009,983
Net interest income$964,00011,234
Provision for loan and lease losses$35,0009,755
Total noninterest income$138,00010,732
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$94,0008,698
Trading account gains and feesNANA
Additional Noninterest Income$44,00010,778
Total noninterest expense$710,00011,469
Salaries and employee benefits$353,00011,407
Premises and equipment expense$63,00012,143
Additional noninterest expense$294,00010,909
Pre-tax net operating income$357,0009,617
Securities gains (losses)$2,0007,695
Applicable income taxes$96,00010,025
Income before extraordinary items$263,0009,745
Extraordinary gains, net$01,422
Net income$263,0009,886
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$15,0009,510
Cash dividends$80,0006,992
Sale, conversion, retirement of capital stock, net$01,165
Net operating income$261,5409,393

* 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.