Home > The Commercial Bank > Income and Expense
The Commercial Bank, Income and Expense
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,331,000 | 6,480 |
| Total interest expense | $581,000 | 6,937 |
| Net interest income | $1,750,000 | 6,150 |
| Provision for loan and lease losses | $330,000 | 2,341 |
| Total noninterest income | $274,000 | 6,208 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $207,000 | 4,525 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $67,000 | 6,769 |
| Total noninterest expense | $1,958,000 | 5,051 |
| Salaries and employee benefits | $1,009,000 | 5,216 |
| Premises and equipment expense | $278,000 | 4,976 |
| Additional noninterest expense | $671,000 | 4,611 |
| Pre-tax net operating income | $-264,000 | 8,852 |
| Securities gains (losses) | $605,000 | 606 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $341,000 | 6,703 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $341,000 | 6,704 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $147,000 | 2,633 |
| Cash dividends | $126,000 | 4,527 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-264,000 | 8,868 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,616,000 | 6,392 |
| Total interest expense | $409,000 | 6,921 |
| Net interest income | $1,207,000 | 6,047 |
| Provision for loan and lease losses | $430,000 | 1,304 |
| Total noninterest income | $177,000 | 6,263 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $133,000 | 4,584 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $44,000 | 6,789 |
| Total noninterest expense | $1,321,000 | 4,998 |
| Salaries and employee benefits | $694,000 | 5,113 |
| Premises and equipment expense | $202,000 | 4,671 |
| Additional noninterest expense | $425,000 | 4,796 |
| Pre-tax net operating income | $-367,000 | 9,017 |
| Securities gains (losses) | $605,000 | 509 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $238,000 | 6,627 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $238,000 | 6,627 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $134,000 | 2,110 |
| Cash dividends | $63,000 | 4,611 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-367,000 | 9,030 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $825,000 | 6,364 |
| Total interest expense | $212,000 | 6,915 |
| Net interest income | $613,000 | 6,000 |
| Provision for loan and lease losses | $15,000 | 5,504 |
| Total noninterest income | $80,000 | 6,439 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $60,000 | 4,759 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $20,000 | 6,924 |
| Total noninterest expense | $558,000 | 5,577 |
| Salaries and employee benefits | $319,000 | 5,433 |
| Premises and equipment expense | $84,000 | 5,273 |
| Additional noninterest expense | $155,000 | 5,809 |
| Pre-tax net operating income | $120,000 | 6,900 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $120,000 | 6,547 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $120,000 | 6,546 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 1,890 |
| Cash dividends | $63,000 | 3,276 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $120,000 | 6,380 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,785,000 | 6,086 |
| Total interest expense | $1,182,000 | 6,474 |
| Net interest income | $2,603,000 | 5,777 |
| Provision for loan and lease losses | $135,000 | 5,121 |
| Total noninterest income | $394,000 | 5,817 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $296,000 | 4,260 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $98,000 | 6,488 |
| Total noninterest expense | $2,138,000 | 5,630 |
| Salaries and employee benefits | $1,126,000 | 5,729 |
| Premises and equipment expense | $298,000 | 5,605 |
| Additional noninterest expense | $714,000 | 5,345 |
| Pre-tax net operating income | $724,000 | 6,001 |
| Securities gains (losses) | $67,000 | 2,139 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $791,000 | 5,245 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $791,000 | 5,244 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $508,000 | 1,637 |
| Cash dividends | $378,000 | 3,949 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $724,000 | 5,324 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,930,000 | 5,654 |
| Total interest expense | $2,388,000 | 5,541 |
| Net interest income | $2,542,000 | 5,662 |
| Provision for loan and lease losses | $255,000 | 3,548 |
| Total noninterest income | $437,000 | 5,454 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $304,000 | 4,133 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $133,000 | 5,774 |
| Total noninterest expense | $1,979,000 | 5,770 |
| Salaries and employee benefits | $1,087,000 | 5,693 |
| Premises and equipment expense | $284,000 | 5,701 |
| Additional noninterest expense | $608,000 | 5,786 |
| Pre-tax net operating income | $745,000 | 5,665 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $745,000 | 5,066 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $745,000 | 5,070 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,344 |
| Cash dividends | $378,000 | 3,993 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $745,000 | 4,957 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,221,000 | 5,587 |
| Total interest expense | $2,424,000 | 5,666 |
| Net interest income | $2,797,000 | 5,408 |
| Provision for loan and lease losses | $805,000 | 1,271 |
| Total noninterest income | $447,000 | 5,206 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $338,000 | 3,701 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $109,000 | 6,226 |
| Total noninterest expense | $1,919,000 | 5,823 |
| Salaries and employee benefits | $1,006,000 | 5,884 |
| Premises and equipment expense | $299,000 | 5,432 |
| Additional noninterest expense | $614,000 | 5,695 |
| Pre-tax net operating income | $520,000 | 6,906 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $520,000 | 6,213 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $520,000 | 6,211 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $180,000 | 2,565 |
| Cash dividends | $370,000 | 4,113 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $520,000 | 6,224 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,624,000 | 5,844 |
| Total interest expense | $2,028,000 | 5,951 |
| Net interest income | $2,596,000 | 5,666 |
| Provision for loan and lease losses | $90,000 | 5,432 |
| Total noninterest income | $415,000 | 5,496 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $296,000 | 4,033 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $119,000 | 6,198 |
| Total noninterest expense | $1,809,000 | 6,068 |
| Salaries and employee benefits | $952,000 | 6,084 |
| Premises and equipment expense | $330,000 | 5,167 |
| Additional noninterest expense | $527,000 | 6,302 |
| Pre-tax net operating income | $1,112,000 | 4,998 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-29,000 | 9,760 |
| Income before extraordinary items | $1,141,000 | 4,023 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,141,000 | 4,025 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $138,000 | 2,985 |
| Cash dividends | $840,000 | 2,579 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,141,000 | 3,986 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,290,000 | 6,230 |
| Total interest expense | $1,751,000 | 6,657 |
| Net interest income | $2,539,000 | 5,793 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $372,000 | 5,839 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $261,000 | 4,354 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $111,000 | 6,381 |
| Total noninterest expense | $1,702,000 | 6,225 |
| Salaries and employee benefits | $1,049,000 | 5,590 |
| Premises and equipment expense | $246,000 | 6,015 |
| Additional noninterest expense | $407,000 | 7,159 |
| Pre-tax net operating income | $1,209,000 | 4,860 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $354,000 | 4,736 |
| Income before extraordinary items | $855,000 | 4,982 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $855,000 | 4,982 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 4,009 |
| Cash dividends | $126,000 | 5,999 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $855,000 | 4,900 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,006,000 | 6,658 |
| Total interest expense | $1,552,000 | 7,229 |
| Net interest income | $2,454,000 | 6,131 |
| Provision for loan and lease losses | $95,000 | 5,292 |
| Total noninterest income | $366,000 | 6,025 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $241,000 | 4,777 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $125,000 | 6,172 |
| Total noninterest expense | $1,511,000 | 6,759 |
| Salaries and employee benefits | $953,000 | 6,039 |
| Premises and equipment expense | $205,000 | 6,758 |
| Additional noninterest expense | $353,000 | 7,780 |
| Pre-tax net operating income | $1,214,000 | 5,209 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $368,000 | 5,148 |
| Income before extraordinary items | $846,000 | 5,268 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $846,000 | 5,270 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,617 |
| Cash dividends | $231,000 | 5,091 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $846,000 | 5,214 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,579,000 | 7,298 |
| Total interest expense | $1,354,000 | 7,946 |
| Net interest income | $2,225,000 | 6,715 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $353,000 | 6,405 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $234,000 | 5,061 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $119,000 | 6,619 |
| Total noninterest expense | $1,443,000 | 7,276 |
| Salaries and employee benefits | $889,000 | 6,508 |
| Premises and equipment expense | $198,000 | 7,064 |
| Additional noninterest expense | $356,000 | 8,303 |
| Pre-tax net operating income | $1,135,000 | 5,303 |
| Securities gains (losses) | $2,000 | 3,501 |
| Applicable income taxes | $348,000 | 5,346 |
| Income before extraordinary items | $789,000 | 5,360 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $789,000 | 5,363 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 4,297 |
| Cash dividends | $189,000 | 5,604 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $787,620 | 5,309 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,130,000 | 8,035 |
| Total interest expense | $1,049,000 | 9,088 |
| Net interest income | $2,081,000 | 7,118 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $296,000 | 7,126 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $168,000 | 6,292 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $128,000 | 6,461 |
| Total noninterest expense | $1,389,000 | 7,620 |
| Salaries and employee benefits | $821,000 | 6,986 |
| Premises and equipment expense | $199,000 | 7,213 |
| Additional noninterest expense | $369,000 | 8,502 |
| Pre-tax net operating income | $988,000 | 6,043 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $291,000 | 6,120 |
| Income before extraordinary items | $697,000 | 6,015 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $697,000 | 6,013 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,914 |
| Cash dividends | $168,000 | 5,868 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $697,000 | 5,992 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,683,000 | 8,584 |
| Total interest expense | $723,000 | 9,977 |
| Net interest income | $1,960,000 | 7,664 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $220,000 | 8,385 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $122,000 | 7,537 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $98,000 | 7,572 |
| Total noninterest expense | $1,180,000 | 8,690 |
| Salaries and employee benefits | $718,000 | 7,744 |
| Premises and equipment expense | $151,000 | 8,529 |
| Additional noninterest expense | $311,000 | 9,829 |
| Pre-tax net operating income | $1,000,000 | 5,953 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $317,000 | 5,675 |
| Income before extraordinary items | $683,000 | 6,010 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $683,000 | 6,025 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-33,000 | 11,643 |
| Cash dividends | $157,000 | 5,986 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $683,000 | 6,083 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,539,000 | 9,114 |
| Total interest expense | $719,000 | 10,473 |
| Net interest income | $1,820,000 | 8,188 |
| Provision for loan and lease losses | $10,000 | 9,731 |
| Total noninterest income | $272,000 | 8,037 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $168,000 | 6,646 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $104,000 | 7,749 |
| Total noninterest expense | $1,161,000 | 9,055 |
| Salaries and employee benefits | $694,000 | 8,035 |
| Premises and equipment expense | $145,000 | 9,044 |
| Additional noninterest expense | $322,000 | 10,168 |
| Pre-tax net operating income | $921,000 | 6,252 |
| Securities gains (losses) | $-14,000 | 12,848 |
| Applicable income taxes | $247,000 | 6,851 |
| Income before extraordinary items | $660,000 | 6,353 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $660,000 | 6,521 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 6,663 |
| Cash dividends | $136,000 | 6,307 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $670,220 | 6,061 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,514,000 | 9,899 |
| Total interest expense | $898,000 | 10,886 |
| Net interest income | $1,616,000 | 8,912 |
| Provision for loan and lease losses | $143,000 | 6,243 |
| Total noninterest income | $262,000 | 8,303 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $152,000 | 7,048 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $110,000 | 7,754 |
| Total noninterest expense | $1,205,000 | 9,013 |
| Salaries and employee benefits | $646,000 | 8,407 |
| Premises and equipment expense | $204,000 | 7,741 |
| Additional noninterest expense | $355,000 | 10,133 |
| Pre-tax net operating income | $530,000 | 8,204 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $120,000 | 9,356 |
| Income before extraordinary items | $410,000 | 8,109 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $410,000 | 8,234 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $147,000 | 4,939 |
| Cash dividends | $99,000 | 6,698 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $410,000 | 7,762 |
* 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.