Home > The Commercial Bank > Income and Expense
The Commercial Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $31,325,000 | 1,086 |
| Total interest expense | $9,902,000 | 1,566 |
| Net interest income | $21,423,000 | 842 |
| Provision for loan and lease losses | $950,000 | 1,025 |
| Total noninterest income | $4,272,000 | 1,029 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,732,000 | 734 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $2,540,000 | 937 |
| Total noninterest expense | $13,389,000 | 1,023 |
| Salaries and employee benefits | $6,432,000 | 1,028 |
| Premises and equipment expense | $1,628,000 | 1,217 |
| Additional noninterest expense | $5,329,000 | 918 |
| Pre-tax net operating income | $11,356,000 | 732 |
| Securities gains (losses) | $-19,000 | 10,340 |
| Applicable income taxes | $3,649,000 | 784 |
| Income before extraordinary items | $7,688,000 | 734 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $7,688,000 | 735 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $228,000 | 2,340 |
| Cash dividends | $3,220,000 | 877 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $7,700,920 | 717 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $27,726,000 | 1,240 |
| Total interest expense | $8,458,000 | 1,861 |
| Net interest income | $19,268,000 | 955 |
| Provision for loan and lease losses | $1,050,000 | 982 |
| Total noninterest income | $6,534,000 | 793 |
| Gross Fiduciary activities income | $788,000 | 579 |
| Service charges on deposit accounts | $1,574,000 | 844 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $4,172,000 | 718 |
| Total noninterest expense | $12,871,000 | 1,138 |
| Salaries and employee benefits | $6,413,000 | 1,043 |
| Premises and equipment expense | $1,587,000 | 1,286 |
| Additional noninterest expense | $4,871,000 | 1,162 |
| Pre-tax net operating income | $11,881,000 | 685 |
| Securities gains (losses) | $21,000 | 1,959 |
| Applicable income taxes | $3,114,000 | 849 |
| Income before extraordinary items | $8,788,000 | 654 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $8,788,000 | 654 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $666,000 | 1,160 |
| Cash dividends | $1,914,000 | 1,340 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $8,772,460 | 638 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $24,522,000 | 1,399 |
| Total interest expense | $8,398,000 | 1,883 |
| Net interest income | $16,124,000 | 1,143 |
| Provision for loan and lease losses | $296,000 | 2,325 |
| Total noninterest income | $4,716,000 | 994 |
| Gross Fiduciary activities income | $1,269,000 | 476 |
| Service charges on deposit accounts | $1,614,000 | 812 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,833,000 | 1,193 |
| Total noninterest expense | $13,633,000 | 1,096 |
| Salaries and employee benefits | $8,009,000 | 862 |
| Premises and equipment expense | $1,939,000 | 1,088 |
| Additional noninterest expense | $3,685,000 | 1,427 |
| Pre-tax net operating income | $6,911,000 | 1,122 |
| Securities gains (losses) | $8,000 | 2,536 |
| Applicable income taxes | $1,735,000 | 1,441 |
| Income before extraordinary items | $5,184,000 | 1,036 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $5,184,000 | 1,033 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $272,000 | 2,074 |
| Cash dividends | $1,269,000 | 1,698 |
| Sale, conversion, retirement of capital stock, net | $89,000 | 585 |
| Net operating income | $5,178,000 | 1,020 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $20,396,000 | 1,520 |
| Total interest expense | $5,242,000 | 2,353 |
| Net interest income | $15,154,000 | 1,204 |
| Provision for loan and lease losses | $300,000 | 2,237 |
| Total noninterest income | $3,773,000 | 1,138 |
| Gross Fiduciary activities income | $1,206,000 | 479 |
| Service charges on deposit accounts | $1,329,000 | 994 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,238,000 | 1,594 |
| Total noninterest expense | $12,475,000 | 1,197 |
| Salaries and employee benefits | $7,148,000 | 957 |
| Premises and equipment expense | $1,811,000 | 1,166 |
| Additional noninterest expense | $3,516,000 | 1,585 |
| Pre-tax net operating income | $6,152,000 | 1,215 |
| Securities gains (losses) | $-48,000 | 10,996 |
| Applicable income taxes | $1,614,000 | 1,452 |
| Income before extraordinary items | $4,490,000 | 1,128 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $4,490,000 | 1,128 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-104,000 | 12,245 |
| Cash dividends | $1,295,000 | 1,577 |
| Sale, conversion, retirement of capital stock, net | $-30,000 | 12,479 |
| Net operating income | $4,525,520 | 1,128 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $18,451,000 | 1,690 |
| Total interest expense | $5,308,000 | 2,438 |
| Net interest income | $13,145,000 | 1,379 |
| Provision for loan and lease losses | $325,000 | 2,832 |
| Total noninterest income | $4,104,000 | 1,149 |
| Gross Fiduciary activities income | $1,078,000 | 528 |
| Service charges on deposit accounts | $1,516,000 | 864 |
| Trading account gains and fees | $1,000 | 508 |
| Additional Noninterest Income | $1,509,000 | 1,546 |
| Total noninterest expense | $11,537,000 | 1,333 |
| Salaries and employee benefits | $6,863,000 | 990 |
| Premises and equipment expense | $1,527,000 | 1,399 |
| Additional noninterest expense | $3,147,000 | 1,843 |
| Pre-tax net operating income | $5,383,000 | 1,293 |
| Securities gains (losses) | $78,000 | 2,824 |
| Applicable income taxes | $1,377,000 | 1,693 |
| Income before extraordinary items | $4,088,000 | 1,247 |
| Extraordinary gains, net | $73,000 | 1,877 |
| Net income | $4,161,000 | 1,266 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 6,216 |
| Cash dividends | $1,825,000 | 1,111 |
| Sale, conversion, retirement of capital stock, net | $37,000 | 1,012 |
| Net operating income | $4,029,500 | 1,172 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $18,113,000 | 1,962 |
| Total interest expense | $6,184,000 | 2,700 |
| Net interest income | $11,929,000 | 1,542 |
| Provision for loan and lease losses | $800,000 | 2,149 |
| Total noninterest income | $3,928,000 | 1,153 |
| Gross Fiduciary activities income | $776,000 | 620 |
| Service charges on deposit accounts | $1,403,000 | 934 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,749,000 | 1,368 |
| Total noninterest expense | $11,220,000 | 1,389 |
| Salaries and employee benefits | $6,392,000 | 1,057 |
| Premises and equipment expense | $1,609,000 | 1,359 |
| Additional noninterest expense | $3,219,000 | 1,885 |
| Pre-tax net operating income | $3,837,000 | 1,626 |
| Securities gains (losses) | $45,000 | 4,303 |
| Applicable income taxes | $922,000 | 2,267 |
| Income before extraordinary items | $2,960,000 | 1,558 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,960,000 | 1,572 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $532,000 | 2,368 |
| Cash dividends | $855,000 | 1,792 |
| Sale, conversion, retirement of capital stock, net | $-38,000 | 13,807 |
| Net operating income | $2,925,800 | 1,468 |
* 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.