Home > The Commercial Bank > Income and Expense
The Commercial Bank, Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $9,806,000 | 3,341 |
| Total interest expense | $4,059,000 | 3,630 |
| Net interest income | $5,747,000 | 3,094 |
| Provision for loan and lease losses | $130,000 | 3,931 |
| Total noninterest income | $3,230,000 | 1,291 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $2,077,000 | 660 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,153,000 | 1,638 |
| Total noninterest expense | $9,759,000 | 1,456 |
| Salaries and employee benefits | $2,885,000 | 2,301 |
| Premises and equipment expense | $1,107,000 | 1,826 |
| Additional noninterest expense | $5,767,000 | 1,001 |
| Pre-tax net operating income | $-912,000 | 11,864 |
| Securities gains (losses) | $-60,000 | 11,272 |
| Applicable income taxes | $-665,000 | 11,882 |
| Income before extraordinary items | $-307,000 | 11,736 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-307,000 | 11,733 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $555,000 | 1,294 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $19,000 | 724 |
| Net operating income | $-268,600 | 11,705 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,885,000 | 4,288 |
| Total interest expense | $2,822,000 | 4,185 |
| Net interest income | $4,063,000 | 4,315 |
| Provision for loan and lease losses | $-39,000 | 11,940 |
| Total noninterest income | $2,376,000 | 1,622 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,706,000 | 774 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $670,000 | 2,401 |
| Total noninterest expense | $5,146,000 | 2,694 |
| Salaries and employee benefits | $2,350,000 | 2,816 |
| Premises and equipment expense | $1,004,000 | 2,025 |
| Additional noninterest expense | $1,792,000 | 2,844 |
| Pre-tax net operating income | $1,332,000 | 4,849 |
| Securities gains (losses) | $-7,000 | 9,611 |
| Applicable income taxes | $60,000 | 10,220 |
| Income before extraordinary items | $1,265,000 | 3,676 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,265,000 | 3,684 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,196,000 | 783 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,271,650 | 3,701 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $9,088,000 | 3,389 |
| Total interest expense | $3,806,000 | 3,308 |
| Net interest income | $5,282,000 | 3,393 |
| Provision for loan and lease losses | $408,000 | 2,428 |
| Total noninterest income | $3,106,000 | 1,421 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $2,174,000 | 632 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $932,000 | 2,134 |
| Total noninterest expense | $6,841,000 | 2,139 |
| Salaries and employee benefits | $2,558,000 | 2,584 |
| Premises and equipment expense | $1,438,000 | 1,477 |
| Additional noninterest expense | $2,845,000 | 1,996 |
| Pre-tax net operating income | $1,139,000 | 5,377 |
| Securities gains (losses) | $106,000 | 2,422 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $1,245,000 | 3,874 |
| Extraordinary gains, net | $150,000 | 1,230 |
| Net income | $1,395,000 | 3,577 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $690,000 | 1,451 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,139,000 | 3,992 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $9,561,000 | 3,648 |
| Total interest expense | $4,848,000 | 3,408 |
| Net interest income | $4,713,000 | 3,838 |
| Provision for loan and lease losses | $689,000 | 2,405 |
| Total noninterest income | $3,085,000 | 1,405 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $2,111,000 | 650 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $974,000 | 2,043 |
| Total noninterest expense | $6,666,000 | 2,211 |
| Salaries and employee benefits | $2,856,000 | 2,279 |
| Premises and equipment expense | $1,415,000 | 1,514 |
| Additional noninterest expense | $2,395,000 | 2,408 |
| Pre-tax net operating income | $443,000 | 8,856 |
| Securities gains (losses) | $7,000 | 6,774 |
| Applicable income taxes | $119,000 | 9,396 |
| Income before extraordinary items | $331,000 | 8,919 |
| Extraordinary gains, net | $119,000 | 657 |
| Net income | $450,000 | 7,861 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $892,000 | 1,678 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $325,820 | 8,631 |
* 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.