Home > The Commonwealth Bank > Income and Expense
The Commonwealth Bank, Income and Expense
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,873,000 | 3,711 |
| Total interest expense | $463,000 | 4,583 |
| Net interest income | $1,410,000 | 3,341 |
| Provision for loan and lease losses | $130,000 | 1,956 |
| Total noninterest income | $138,000 | 5,100 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $30,000 | 6,255 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $108,000 | 3,797 |
| Total noninterest expense | $939,000 | 3,851 |
| Salaries and employee benefits | $461,000 | 4,157 |
| Premises and equipment expense | $122,000 | 4,095 |
| Additional noninterest expense | $356,000 | 3,153 |
| Pre-tax net operating income | $479,000 | 3,598 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $165,000 | 3,046 |
| Income before extraordinary items | $314,000 | 4,109 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $314,000 | 4,107 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 8,212 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 394 |
| Net operating income | $314,000 | 3,918 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,532,000 | 4,283 |
| Total interest expense | $2,061,000 | 4,690 |
| Net interest income | $4,471,000 | 4,012 |
| Provision for loan and lease losses | $487,000 | 2,416 |
| Total noninterest income | $581,000 | 4,817 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $135,000 | 6,042 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $446,000 | 3,490 |
| Total noninterest expense | $3,163,000 | 4,293 |
| Salaries and employee benefits | $1,596,000 | 4,465 |
| Premises and equipment expense | $480,000 | 4,057 |
| Additional noninterest expense | $1,087,000 | 3,923 |
| Pre-tax net operating income | $1,402,000 | 4,278 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $480,000 | 3,534 |
| Income before extraordinary items | $922,000 | 4,817 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $922,000 | 4,817 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $107,000 | 4,058 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 822 |
| Net operating income | $922,000 | 4,687 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,419,000 | 5,339 |
| Total interest expense | $2,365,000 | 5,564 |
| Net interest income | $3,054,000 | 4,995 |
| Provision for loan and lease losses | $288,000 | 3,315 |
| Total noninterest income | $760,000 | 3,997 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $121,000 | 6,236 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $639,000 | 2,723 |
| Total noninterest expense | $2,745,000 | 4,640 |
| Salaries and employee benefits | $1,386,000 | 4,793 |
| Premises and equipment expense | $463,000 | 4,144 |
| Additional noninterest expense | $896,000 | 4,424 |
| Pre-tax net operating income | $781,000 | 5,555 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $221,000 | 4,850 |
| Income before extraordinary items | $560,000 | 5,791 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $560,000 | 5,794 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $195,000 | 2,903 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $560,000 | 5,675 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,600,000 | 6,020 |
| Total interest expense | $1,793,000 | 6,604 |
| Net interest income | $2,807,000 | 5,392 |
| Provision for loan and lease losses | $372,000 | 2,414 |
| Total noninterest income | $513,000 | 4,858 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $114,000 | 6,322 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $399,000 | 3,346 |
| Total noninterest expense | $2,566,000 | 4,768 |
| Salaries and employee benefits | $1,262,000 | 4,997 |
| Premises and equipment expense | $470,000 | 3,980 |
| Additional noninterest expense | $834,000 | 4,600 |
| Pre-tax net operating income | $382,000 | 7,552 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $131,000 | 6,146 |
| Income before extraordinary items | $251,000 | 7,771 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $251,000 | 7,771 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 4,719 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $32,000 | 818 |
| Net operating income | $251,000 | 7,774 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,075,000 | 7,282 |
| Total interest expense | $1,036,000 | 8,090 |
| Net interest income | $2,039,000 | 6,576 |
| Provision for loan and lease losses | $129,000 | 4,610 |
| Total noninterest income | $510,000 | 4,899 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $86,000 | 6,999 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $424,000 | 3,284 |
| Total noninterest expense | $2,318,000 | 5,131 |
| Salaries and employee benefits | $1,183,000 | 5,216 |
| Premises and equipment expense | $402,000 | 4,517 |
| Additional noninterest expense | $733,000 | 5,089 |
| Pre-tax net operating income | $102,000 | 9,066 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $102,000 | 8,954 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $102,000 | 8,952 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $207,000 | 2,348 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $365,000 | 654 |
| Net operating income | $102,000 | 8,922 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,515,000 | 8,079 |
| Total interest expense | $806,000 | 8,921 |
| Net interest income | $1,709,000 | 7,277 |
| Provision for loan and lease losses | $146,000 | 4,231 |
| Total noninterest income | $533,000 | 4,755 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $82,000 | 7,234 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $451,000 | 3,184 |
| Total noninterest expense | $1,669,000 | 6,288 |
| Salaries and employee benefits | $859,000 | 6,417 |
| Premises and equipment expense | $222,000 | 6,393 |
| Additional noninterest expense | $588,000 | 5,832 |
| Pre-tax net operating income | $427,000 | 7,728 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $427,000 | 7,053 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $427,000 | 7,050 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,302 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $2,602,000 | 354 |
| Net operating income | $427,000 | 6,953 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,753,000 | 9,355 |
| Total interest expense | $510,000 | 10,079 |
| Net interest income | $1,243,000 | 8,595 |
| Provision for loan and lease losses | $40,000 | 7,002 |
| Total noninterest income | $474,000 | 5,173 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $73,000 | 7,812 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $401,000 | 3,273 |
| Total noninterest expense | $1,349,000 | 7,183 |
| Salaries and employee benefits | $740,000 | 7,080 |
| Premises and equipment expense | $214,000 | 6,591 |
| Additional noninterest expense | $395,000 | 7,397 |
| Pre-tax net operating income | $328,000 | 8,836 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $328,000 | 8,167 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $328,000 | 8,170 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,735 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $13,000 | 948 |
| Net operating income | $328,000 | 8,119 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,343,000 | 10,323 |
| Total interest expense | $432,000 | 10,795 |
| Net interest income | $911,000 | 9,809 |
| Provision for loan and lease losses | $15,000 | 8,204 |
| Total noninterest income | $364,000 | 6,287 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $77,000 | 8,081 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $287,000 | 4,181 |
| Total noninterest expense | $1,043,000 | 8,527 |
| Salaries and employee benefits | $602,000 | 8,109 |
| Premises and equipment expense | $181,000 | 7,400 |
| Additional noninterest expense | $260,000 | 9,285 |
| Pre-tax net operating income | $217,000 | 9,685 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $217,000 | 9,144 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $217,000 | 9,147 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-33,000 | 10,875 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $983,000 | 392 |
| Net operating income | $217,000 | 9,088 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,267,000 | 10,887 |
| Total interest expense | $467,000 | 11,139 |
| Net interest income | $800,000 | 10,535 |
| Provision for loan and lease losses | $20,000 | 7,637 |
| Total noninterest income | $314,000 | 6,924 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $88,000 | 8,082 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $226,000 | 4,773 |
| Total noninterest expense | $937,000 | 9,226 |
| Salaries and employee benefits | $523,000 | 8,922 |
| Premises and equipment expense | $147,000 | 8,349 |
| Additional noninterest expense | $267,000 | 9,634 |
| Pre-tax net operating income | $157,000 | 10,738 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $0 | 11,151 |
| Income before extraordinary items | $157,000 | 10,396 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $157,000 | 10,399 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 10,260 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $157,000 | 10,371 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,141,000 | 11,456 |
| Total interest expense | $397,000 | 11,600 |
| Net interest income | $744,000 | 11,234 |
| Provision for loan and lease losses | $12,000 | 8,270 |
| Total noninterest income | $172,000 | 9,264 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $88,000 | 8,439 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $84,000 | 8,071 |
| Total noninterest expense | $817,000 | 10,159 |
| Salaries and employee benefits | $433,000 | 9,977 |
| Premises and equipment expense | $137,000 | 8,902 |
| Additional noninterest expense | $247,000 | 10,560 |
| Pre-tax net operating income | $87,000 | 11,705 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $0 | 11,630 |
| Income before extraordinary items | $87,000 | 11,503 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $87,000 | 11,509 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 4,111 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $87,000 | 11,545 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,025,000 | 12,240 |
| Total interest expense | $443,000 | 11,987 |
| Net interest income | $582,000 | 12,286 |
| Provision for loan and lease losses | $230,000 | 3,613 |
| Total noninterest income | $136,000 | 10,502 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $101,000 | 8,341 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $35,000 | 10,982 |
| Total noninterest expense | $795,000 | 10,690 |
| Salaries and employee benefits | $380,000 | 10,838 |
| Premises and equipment expense | $141,000 | 9,145 |
| Additional noninterest expense | $274,000 | 10,774 |
| Pre-tax net operating income | $-307,000 | 12,769 |
| Securities gains (losses) | $28,000 | 4,186 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $-279,000 | 12,815 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-279,000 | 12,821 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $213,000 | 3,020 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-307,000 | 12,759 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,282,000 | 12,440 |
| Total interest expense | $621,000 | 12,199 |
| Net interest income | $661,000 | 12,472 |
| Provision for loan and lease losses | $198,000 | 5,256 |
| Total noninterest income | $170,000 | 10,036 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $133,000 | 7,585 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $37,000 | 11,257 |
| Total noninterest expense | $751,000 | 11,252 |
| Salaries and employee benefits | $346,000 | 11,488 |
| Premises and equipment expense | $119,000 | 10,050 |
| Additional noninterest expense | $286,000 | 11,047 |
| Pre-tax net operating income | $-118,000 | 12,976 |
| Securities gains (losses) | $23,000 | 5,402 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-95,000 | 13,062 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-95,000 | 13,056 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $135,000 | 5,156 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-118,000 | 12,946 |
* 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.