Home > The Commercial Bank of Demopolis > Income and Expense
The Commercial Bank of Demopolis, Income and Expense
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,358,000 | 5,032 |
| Total interest expense | $700,000 | 4,670 |
| Net interest income | $1,658,000 | 5,078 |
| Provision for loan and lease losses | $95,000 | 3,576 |
| Total noninterest income | $226,000 | 5,545 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $182,000 | 3,874 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $44,000 | 6,668 |
| Total noninterest expense | $1,070,000 | 5,785 |
| Salaries and employee benefits | $554,000 | 5,943 |
| Premises and equipment expense | $162,000 | 5,446 |
| Additional noninterest expense | $354,000 | 5,483 |
| Pre-tax net operating income | $719,000 | 4,390 |
| Securities gains (losses) | $42,000 | 1,561 |
| Applicable income taxes | $206,000 | 3,718 |
| Income before extraordinary items | $555,000 | 4,453 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $555,000 | 4,454 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $132,000 | 1,824 |
| Cash dividends | $350,000 | 2,645 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $524,340 | 4,526 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,176,000 | 5,068 |
| Total interest expense | $366,000 | 4,581 |
| Net interest income | $810,000 | 5,160 |
| Provision for loan and lease losses | $50,000 | 3,283 |
| Total noninterest income | $110,000 | 5,552 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $91,000 | 3,798 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $19,000 | 6,892 |
| Total noninterest expense | $520,000 | 5,920 |
| Salaries and employee benefits | $271,000 | 6,068 |
| Premises and equipment expense | $79,000 | 5,553 |
| Additional noninterest expense | $170,000 | 5,605 |
| Pre-tax net operating income | $350,000 | 4,440 |
| Securities gains (losses) | $6,000 | 2,267 |
| Applicable income taxes | $92,000 | 3,928 |
| Income before extraordinary items | $264,000 | 4,611 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $264,000 | 4,611 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 2,590 |
| Cash dividends | $175,000 | 2,333 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $259,560 | 4,521 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,881,000 | 4,972 |
| Total interest expense | $1,649,000 | 4,601 |
| Net interest income | $3,232,000 | 5,067 |
| Provision for loan and lease losses | $339,000 | 2,918 |
| Total noninterest income | $448,000 | 5,702 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $366,000 | 3,840 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $82,000 | 6,847 |
| Total noninterest expense | $2,149,000 | 5,753 |
| Salaries and employee benefits | $1,082,000 | 5,989 |
| Premises and equipment expense | $347,000 | 5,198 |
| Additional noninterest expense | $720,000 | 5,413 |
| Pre-tax net operating income | $1,192,000 | 4,699 |
| Securities gains (losses) | $89,000 | 1,992 |
| Applicable income taxes | $327,000 | 4,148 |
| Income before extraordinary items | $954,000 | 4,773 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $954,000 | 4,773 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $209,000 | 2,817 |
| Cash dividends | $2,200,000 | 1,279 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $888,140 | 4,802 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,682,000 | 5,017 |
| Total interest expense | $1,278,000 | 4,630 |
| Net interest income | $2,404,000 | 5,108 |
| Provision for loan and lease losses | $180,000 | 3,498 |
| Total noninterest income | $322,000 | 5,872 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $262,000 | 3,968 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $60,000 | 6,950 |
| Total noninterest expense | $1,613,000 | 5,725 |
| Salaries and employee benefits | $817,000 | 5,949 |
| Premises and equipment expense | $267,000 | 5,106 |
| Additional noninterest expense | $529,000 | 5,455 |
| Pre-tax net operating income | $933,000 | 4,740 |
| Securities gains (losses) | $89,000 | 1,850 |
| Applicable income taxes | $271,000 | 4,111 |
| Income before extraordinary items | $751,000 | 4,766 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $751,000 | 4,767 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $122,000 | 2,931 |
| Cash dividends | $525,000 | 2,606 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $686,030 | 4,862 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,483,000 | 5,012 |
| Total interest expense | $893,000 | 4,604 |
| Net interest income | $1,590,000 | 5,143 |
| Provision for loan and lease losses | $130,000 | 3,332 |
| Total noninterest income | $218,000 | 5,812 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $176,000 | 3,918 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $42,000 | 6,875 |
| Total noninterest expense | $1,087,000 | 5,699 |
| Salaries and employee benefits | $554,000 | 5,884 |
| Premises and equipment expense | $176,000 | 5,120 |
| Additional noninterest expense | $357,000 | 5,403 |
| Pre-tax net operating income | $591,000 | 4,872 |
| Securities gains (losses) | $89,000 | 1,595 |
| Applicable income taxes | $179,000 | 4,187 |
| Income before extraordinary items | $501,000 | 4,802 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $501,000 | 4,801 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 2,542 |
| Cash dividends | $350,000 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $435,140 | 4,981 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,269,000 | 4,955 |
| Total interest expense | $473,000 | 4,519 |
| Net interest income | $796,000 | 5,118 |
| Provision for loan and lease losses | $75,000 | 2,805 |
| Total noninterest income | $111,000 | 5,652 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $89,000 | 3,826 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $22,000 | 6,771 |
| Total noninterest expense | $557,000 | 5,586 |
| Salaries and employee benefits | $284,000 | 5,798 |
| Premises and equipment expense | $84,000 | 5,273 |
| Additional noninterest expense | $189,000 | 5,173 |
| Pre-tax net operating income | $275,000 | 5,017 |
| Securities gains (losses) | $89,000 | 1,062 |
| Applicable income taxes | $95,000 | 4,029 |
| Income before extraordinary items | $269,000 | 4,530 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $269,000 | 4,530 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 2,653 |
| Cash dividends | $175,000 | 2,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $203,140 | 5,103 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,201,000 | 5,043 |
| Total interest expense | $2,324,000 | 4,331 |
| Net interest income | $2,877,000 | 5,410 |
| Provision for loan and lease losses | $250,000 | 3,856 |
| Total noninterest income | $513,000 | 5,142 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $414,000 | 3,452 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $99,000 | 6,467 |
| Total noninterest expense | $2,109,000 | 5,690 |
| Salaries and employee benefits | $1,030,000 | 6,024 |
| Premises and equipment expense | $383,000 | 4,803 |
| Additional noninterest expense | $696,000 | 5,424 |
| Pre-tax net operating income | $1,031,000 | 5,130 |
| Securities gains (losses) | $88,000 | 1,856 |
| Applicable income taxes | $270,000 | 4,620 |
| Income before extraordinary items | $849,000 | 5,045 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $849,000 | 5,045 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $261,000 | 2,589 |
| Cash dividends | $674,000 | 2,968 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $782,120 | 5,131 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,859,000 | 5,050 |
| Total interest expense | $3,031,000 | 4,692 |
| Net interest income | $2,828,000 | 5,288 |
| Provision for loan and lease losses | $267,000 | 3,475 |
| Total noninterest income | $586,000 | 4,645 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $453,000 | 3,073 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $133,000 | 5,774 |
| Total noninterest expense | $2,004,000 | 5,718 |
| Salaries and employee benefits | $1,008,000 | 5,945 |
| Premises and equipment expense | $303,000 | 5,484 |
| Additional noninterest expense | $693,000 | 5,329 |
| Pre-tax net operating income | $1,143,000 | 4,545 |
| Securities gains (losses) | $5,000 | 3,927 |
| Applicable income taxes | $301,000 | 4,256 |
| Income before extraordinary items | $847,000 | 4,732 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $847,000 | 4,734 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $164,000 | 3,232 |
| Cash dividends | $802,000 | 2,614 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $843,300 | 4,621 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,860,000 | 5,168 |
| Total interest expense | $3,065,000 | 4,841 |
| Net interest income | $2,795,000 | 5,411 |
| Provision for loan and lease losses | $147,000 | 4,459 |
| Total noninterest income | $541,000 | 4,689 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $444,000 | 2,995 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $97,000 | 6,509 |
| Total noninterest expense | $1,965,000 | 5,743 |
| Salaries and employee benefits | $1,055,000 | 5,712 |
| Premises and equipment expense | $252,000 | 6,019 |
| Additional noninterest expense | $658,000 | 5,430 |
| Pre-tax net operating income | $1,224,000 | 4,666 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $309,000 | 4,537 |
| Income before extraordinary items | $915,000 | 4,632 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $915,000 | 4,631 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $148,000 | 2,885 |
| Cash dividends | $710,000 | 2,884 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $915,000 | 4,635 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,438,000 | 5,284 |
| Total interest expense | $2,815,000 | 4,834 |
| Net interest income | $2,623,000 | 5,639 |
| Provision for loan and lease losses | $180,000 | 3,760 |
| Total noninterest income | $637,000 | 4,257 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $417,000 | 3,106 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $220,000 | 4,722 |
| Total noninterest expense | $2,039,000 | 5,622 |
| Salaries and employee benefits | $1,028,000 | 5,770 |
| Premises and equipment expense | $313,000 | 5,345 |
| Additional noninterest expense | $698,000 | 5,250 |
| Pre-tax net operating income | $1,041,000 | 5,185 |
| Securities gains (losses) | $8,000 | 1,870 |
| Applicable income taxes | $246,000 | 5,256 |
| Income before extraordinary items | $803,000 | 5,085 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $803,000 | 5,084 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 6,573 |
| Cash dividends | $555,000 | 3,296 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $796,840 | 5,068 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,432,000 | 5,354 |
| Total interest expense | $2,896,000 | 4,856 |
| Net interest income | $2,536,000 | 5,799 |
| Provision for loan and lease losses | $83,000 | 5,519 |
| Total noninterest income | $514,000 | 4,857 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $315,000 | 3,792 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $199,000 | 4,964 |
| Total noninterest expense | $2,035,000 | 5,530 |
| Salaries and employee benefits | $1,031,000 | 5,658 |
| Premises and equipment expense | $299,000 | 5,389 |
| Additional noninterest expense | $705,000 | 5,137 |
| Pre-tax net operating income | $932,000 | 5,630 |
| Securities gains (losses) | $21,000 | 2,394 |
| Applicable income taxes | $226,000 | 5,875 |
| Income before extraordinary items | $727,000 | 5,494 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $727,000 | 5,494 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 4,338 |
| Cash dividends | $310,000 | 4,484 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $711,040 | 5,449 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,024,000 | 5,789 |
| Total interest expense | $2,533,000 | 5,360 |
| Net interest income | $2,491,000 | 6,068 |
| Provision for loan and lease losses | $122,000 | 4,599 |
| Total noninterest income | $537,000 | 4,756 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $352,000 | 3,595 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $185,000 | 5,144 |
| Total noninterest expense | $1,917,000 | 5,809 |
| Salaries and employee benefits | $969,000 | 5,970 |
| Premises and equipment expense | $297,000 | 5,476 |
| Additional noninterest expense | $651,000 | 5,498 |
| Pre-tax net operating income | $989,000 | 5,864 |
| Securities gains (losses) | $14,000 | 2,133 |
| Applicable income taxes | $226,000 | 6,550 |
| Income before extraordinary items | $777,000 | 5,557 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $777,000 | 5,559 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 3,544 |
| Cash dividends | $227,000 | 5,122 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $766,220 | 5,549 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,856,000 | 6,068 |
| Total interest expense | $2,429,000 | 5,628 |
| Net interest income | $2,427,000 | 6,327 |
| Provision for loan and lease losses | $10,000 | 8,531 |
| Total noninterest income | $468,000 | 5,394 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $366,000 | 3,605 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $102,000 | 7,055 |
| Total noninterest expense | $1,884,000 | 6,200 |
| Salaries and employee benefits | $958,000 | 6,184 |
| Premises and equipment expense | $287,000 | 5,753 |
| Additional noninterest expense | $639,000 | 6,104 |
| Pre-tax net operating income | $1,001,000 | 5,736 |
| Securities gains (losses) | $18,000 | 2,073 |
| Applicable income taxes | $247,000 | 6,490 |
| Income before extraordinary items | $772,000 | 5,427 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $772,000 | 5,428 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 4,891 |
| Cash dividends | $209,000 | 5,339 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $758,320 | 5,426 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,661,000 | 6,279 |
| Total interest expense | $2,305,000 | 5,883 |
| Net interest income | $2,356,000 | 6,564 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $493,000 | 5,242 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $351,000 | 3,758 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $142,000 | 6,145 |
| Total noninterest expense | $1,823,000 | 6,403 |
| Salaries and employee benefits | $960,000 | 6,248 |
| Premises and equipment expense | $266,000 | 6,114 |
| Additional noninterest expense | $597,000 | 6,560 |
| Pre-tax net operating income | $1,026,000 | 5,890 |
| Securities gains (losses) | $-21,000 | 10,587 |
| Applicable income taxes | $246,000 | 6,705 |
| Income before extraordinary items | $759,000 | 5,659 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $759,000 | 5,658 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 3,821 |
| Cash dividends | $196,000 | 5,604 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $774,960 | 5,558 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,315,000 | 6,330 |
| Total interest expense | $1,878,000 | 5,887 |
| Net interest income | $2,437,000 | 6,596 |
| Provision for loan and lease losses | $32,000 | 7,014 |
| Total noninterest income | $458,000 | 5,620 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $336,000 | 3,972 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $122,000 | 6,880 |
| Total noninterest expense | $1,942,000 | 6,361 |
| Salaries and employee benefits | $980,000 | 6,184 |
| Premises and equipment expense | $243,000 | 6,633 |
| Additional noninterest expense | $719,000 | 6,190 |
| Pre-tax net operating income | $921,000 | 6,292 |
| Securities gains (losses) | $14,000 | 2,006 |
| Applicable income taxes | $213,000 | 7,131 |
| Income before extraordinary items | $722,000 | 5,791 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $722,000 | 5,806 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 10,214 |
| Cash dividends | $184,000 | 5,684 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $711,220 | 5,908 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,150,000 | 6,692 |
| Total interest expense | $1,838,000 | 6,243 |
| Net interest income | $2,312,000 | 6,913 |
| Provision for loan and lease losses | $44,000 | 7,799 |
| Total noninterest income | $386,000 | 6,650 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $267,000 | 4,851 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $119,000 | 7,333 |
| Total noninterest expense | $1,896,000 | 6,633 |
| Salaries and employee benefits | $950,000 | 6,413 |
| Premises and equipment expense | $208,000 | 7,528 |
| Additional noninterest expense | $738,000 | 6,308 |
| Pre-tax net operating income | $758,000 | 7,044 |
| Securities gains (losses) | $72,000 | 2,926 |
| Applicable income taxes | $190,000 | 7,806 |
| Income before extraordinary items | $640,000 | 6,494 |
| Extraordinary gains, net | $23,000 | 2,642 |
| Net income | $663,000 | 6,503 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 8,678 |
| Cash dividends | $174,000 | 5,792 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $584,560 | 6,654 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,246,000 | 7,186 |
| Total interest expense | $2,127,000 | 6,800 |
| Net interest income | $2,119,000 | 7,447 |
| Provision for loan and lease losses | $243,000 | 4,662 |
| Total noninterest income | $349,000 | 7,131 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $228,000 | 5,457 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $121,000 | 7,418 |
| Total noninterest expense | $1,689,000 | 7,286 |
| Salaries and employee benefits | $801,000 | 7,251 |
| Premises and equipment expense | $206,000 | 7,697 |
| Additional noninterest expense | $682,000 | 6,870 |
| Pre-tax net operating income | $536,000 | 8,168 |
| Securities gains (losses) | $77,000 | 3,440 |
| Applicable income taxes | $115,000 | 9,514 |
| Income before extraordinary items | $498,000 | 7,356 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $498,000 | 7,449 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $223,000 | 3,967 |
| Cash dividends | $166,000 | 5,529 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $435,630 | 7,526 |
* 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.