Home > The Commercial State Bank > Income and Expense
The Commercial State Bank, Income and Expense
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,976,000 | 7,873 |
| Total interest expense | $786,000 | 7,559 |
| Net interest income | $1,190,000 | 7,958 |
| Provision for loan and lease losses | $24,000 | 7,371 |
| Total noninterest income | $195,000 | 7,363 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $82,000 | 6,901 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $113,000 | 6,196 |
| Total noninterest expense | $804,000 | 8,340 |
| Salaries and employee benefits | $433,000 | 8,387 |
| Premises and equipment expense | $131,000 | 7,717 |
| Additional noninterest expense | $240,000 | 8,247 |
| Pre-tax net operating income | $557,000 | 6,556 |
| Securities gains (losses) | $5,000 | 3,957 |
| Applicable income taxes | $156,000 | 5,471 |
| Income before extraordinary items | $406,000 | 6,815 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $406,000 | 6,814 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 4,409 |
| Cash dividends | $36,000 | 6,083 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $402,400 | 6,702 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,103,000 | 8,116 |
| Total interest expense | $1,053,000 | 7,916 |
| Net interest income | $1,050,000 | 8,189 |
| Provision for loan and lease losses | $6,000 | 8,054 |
| Total noninterest income | $201,000 | 7,296 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $91,000 | 6,756 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $110,000 | 6,201 |
| Total noninterest expense | $848,000 | 8,326 |
| Salaries and employee benefits | $424,000 | 8,520 |
| Premises and equipment expense | $106,000 | 8,210 |
| Additional noninterest expense | $318,000 | 7,721 |
| Pre-tax net operating income | $397,000 | 7,003 |
| Securities gains (losses) | $195,000 | 1,208 |
| Applicable income taxes | $205,000 | 4,980 |
| Income before extraordinary items | $387,000 | 6,651 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $387,000 | 6,654 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,083 |
| Cash dividends | $436,000 | 3,704 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $260,250 | 7,253 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,733,000 | 8,706 |
| Total interest expense | $825,000 | 8,580 |
| Net interest income | $908,000 | 8,677 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $156,000 | 7,808 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $80,000 | 6,987 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $76,000 | 7,011 |
| Total noninterest expense | $680,000 | 8,873 |
| Salaries and employee benefits | $329,000 | 9,117 |
| Premises and equipment expense | $58,000 | 9,224 |
| Additional noninterest expense | $293,000 | 8,001 |
| Pre-tax net operating income | $384,000 | 7,546 |
| Securities gains (losses) | $-2,000 | 7,578 |
| Applicable income taxes | $129,000 | 6,182 |
| Income before extraordinary items | $253,000 | 7,758 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $253,000 | 7,758 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 5,142 |
| Cash dividends | $17,000 | 6,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $254,320 | 7,748 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,830,000 | 8,682 |
| Total interest expense | $901,000 | 8,436 |
| Net interest income | $929,000 | 8,794 |
| Provision for loan and lease losses | $30,000 | 7,215 |
| Total noninterest income | $180,000 | 7,716 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $90,000 | 6,921 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $90,000 | 6,873 |
| Total noninterest expense | $922,000 | 8,360 |
| Salaries and employee benefits | $734,000 | 7,052 |
| Premises and equipment expense | $49,000 | 9,658 |
| Additional noninterest expense | $139,000 | 9,614 |
| Pre-tax net operating income | $157,000 | 8,778 |
| Securities gains (losses) | $3,000 | 2,393 |
| Applicable income taxes | $93,000 | 7,020 |
| Income before extraordinary items | $67,000 | 9,154 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $67,000 | 9,151 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 6,444 |
| Cash dividends | $59,000 | 6,528 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $65,080 | 9,134 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,708,000 | 9,047 |
| Total interest expense | $857,000 | 8,793 |
| Net interest income | $851,000 | 9,134 |
| Provision for loan and lease losses | $20,000 | 7,729 |
| Total noninterest income | $213,000 | 7,426 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $80,000 | 7,296 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $133,000 | 5,971 |
| Total noninterest expense | $786,000 | 8,819 |
| Salaries and employee benefits | $564,000 | 7,961 |
| Premises and equipment expense | $66,000 | 9,435 |
| Additional noninterest expense | $156,000 | 9,599 |
| Pre-tax net operating income | $258,000 | 8,627 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $35,000 | 8,609 |
| Income before extraordinary items | $223,000 | 8,454 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $223,000 | 8,453 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 6,871 |
| Cash dividends | $59,000 | 6,783 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $223,000 | 8,376 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,658,000 | 9,488 |
| Total interest expense | $795,000 | 9,276 |
| Net interest income | $863,000 | 9,513 |
| Provision for loan and lease losses | $25,000 | 7,608 |
| Total noninterest income | $176,000 | 8,191 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $83,000 | 7,580 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $93,000 | 6,977 |
| Total noninterest expense | $711,000 | 9,365 |
| Salaries and employee benefits | $486,000 | 8,705 |
| Premises and equipment expense | $79,000 | 9,459 |
| Additional noninterest expense | $146,000 | 10,043 |
| Pre-tax net operating income | $303,000 | 8,983 |
| Securities gains (losses) | $-18,000 | 10,323 |
| Applicable income taxes | $51,000 | 9,239 |
| Income before extraordinary items | $234,000 | 8,878 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $234,000 | 8,883 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,656 |
| Cash dividends | $24,000 | 7,566 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $248,760 | 8,726 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,560,000 | 10,030 |
| Total interest expense | $752,000 | 9,798 |
| Net interest income | $808,000 | 10,091 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $139,000 | 9,187 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $76,000 | 8,114 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $63,000 | 8,357 |
| Total noninterest expense | $700,000 | 9,821 |
| Salaries and employee benefits | $453,000 | 9,225 |
| Premises and equipment expense | $65,000 | 10,223 |
| Additional noninterest expense | $182,000 | 10,148 |
| Pre-tax net operating income | $247,000 | 9,506 |
| Securities gains (losses) | $-10,000 | 10,276 |
| Applicable income taxes | $43,000 | 9,812 |
| Income before extraordinary items | $194,000 | 9,353 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $194,000 | 9,356 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 10,158 |
| Cash dividends | $23,000 | 8,012 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $202,200 | 9,216 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,420,000 | 10,658 |
| Total interest expense | $681,000 | 10,378 |
| Net interest income | $739,000 | 10,724 |
| Provision for loan and lease losses | $100,000 | 4,579 |
| Total noninterest income | $142,000 | 9,451 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $73,000 | 8,522 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $69,000 | 8,396 |
| Total noninterest expense | $659,000 | 10,332 |
| Salaries and employee benefits | $416,000 | 9,828 |
| Premises and equipment expense | $78,000 | 10,256 |
| Additional noninterest expense | $165,000 | 10,880 |
| Pre-tax net operating income | $122,000 | 10,961 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $19,000 | 10,770 |
| Income before extraordinary items | $103,000 | 10,907 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $103,000 | 10,908 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $115,000 | 3,456 |
| Cash dividends | $24,000 | 8,316 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $103,000 | 10,880 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,355,000 | 11,028 |
| Total interest expense | $576,000 | 10,717 |
| Net interest income | $779,000 | 11,122 |
| Provision for loan and lease losses | $45,000 | 6,361 |
| Total noninterest income | $199,000 | 8,753 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $75,000 | 8,839 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $124,000 | 6,824 |
| Total noninterest expense | $629,000 | 10,984 |
| Salaries and employee benefits | $358,000 | 10,658 |
| Premises and equipment expense | $81,000 | 10,622 |
| Additional noninterest expense | $190,000 | 11,277 |
| Pre-tax net operating income | $304,000 | 10,118 |
| Securities gains (losses) | $-6,000 | 9,509 |
| Applicable income taxes | $69,000 | 10,040 |
| Income before extraordinary items | $229,000 | 9,935 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $229,000 | 9,947 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 4,659 |
| Cash dividends | $23,000 | 8,537 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $233,620 | 9,955 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,423,000 | 11,396 |
| Total interest expense | $625,000 | 10,994 |
| Net interest income | $798,000 | 11,516 |
| Provision for loan and lease losses | $27,000 | 8,602 |
| Total noninterest income | $139,000 | 10,431 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $72,000 | 9,272 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $67,000 | 9,213 |
| Total noninterest expense | $632,000 | 11,474 |
| Salaries and employee benefits | $367,000 | 10,976 |
| Premises and equipment expense | $70,000 | 11,498 |
| Additional noninterest expense | $195,000 | 11,806 |
| Pre-tax net operating income | $278,000 | 10,411 |
| Securities gains (losses) | $2,000 | 6,773 |
| Applicable income taxes | $67,000 | 10,544 |
| Income before extraordinary items | $213,000 | 10,496 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $213,000 | 10,602 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 8,917 |
| Cash dividends | $24,000 | 8,604 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $211,480 | 10,277 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,524,000 | 11,906 |
| Total interest expense | $753,000 | 11,561 |
| Net interest income | $771,000 | 12,026 |
| Provision for loan and lease losses | $70,000 | 8,246 |
| Total noninterest income | $135,000 | 10,810 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $70,000 | 9,546 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $65,000 | 9,539 |
| Total noninterest expense | $591,000 | 12,116 |
| Salaries and employee benefits | $373,000 | 11,185 |
| Premises and equipment expense | $62,000 | 12,181 |
| Additional noninterest expense | $156,000 | 12,847 |
| Pre-tax net operating income | $245,000 | 10,650 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $54,000 | 11,145 |
| Income before extraordinary items | $191,000 | 10,722 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $191,000 | 10,831 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 6,489 |
| Cash dividends | $23,000 | 8,421 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $191,000 | 10,387 |
* 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.