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Commerce National Bank, Income and Expense

1996-12-31 (YTD Data)		Rank
Total interest income	$4,189,000	6,689
Total interest expense	$1,839,000	6,756
Net interest income	$2,350,000	6,477
Provision for loan and lease losses	$231,000	3,108
Total noninterest income	$1,082,000	2,931
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$727,000	1,865
Trading account gains and fees	NA	NA
Additional Noninterest Income	$355,000	3,662
Total noninterest expense	$2,772,000	4,595
Salaries and employee benefits	$1,245,000	5,040
Premises and equipment expense	$456,000	4,065
Additional noninterest expense	$1,071,000	4,170
Pre-tax net operating income	$429,000	8,346
Securities gains (losses)	$15,000	2,201
Applicable income taxes	$206,000	7,049
Income before extraordinary items	$238,000	8,930
Extraordinary gains, net	$0	53
Net income	$238,000	8,932
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$151,000	3,153
Cash dividends	$253,000	4,912
Sale, conversion, retirement of capital stock, net	$5,000	900
Net operating income	$228,400	8,959
1995-12-31 (YTD Data)		Rank
Total interest income	$3,930,000	7,077
Total interest expense	$1,828,000	6,836
Net interest income	$2,102,000	7,079
Provision for loan and lease losses	$99,000	4,670
Total noninterest income	$1,261,000	2,603
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$657,000	2,067
Trading account gains and fees	NA	NA
Additional Noninterest Income	$604,000	2,519
Total noninterest expense	$2,765,000	4,574
Salaries and employee benefits	$1,227,000	5,110
Premises and equipment expense	$456,000	4,076
Additional noninterest expense	$1,082,000	4,079
Pre-tax net operating income	$499,000	8,441
Securities gains (losses)	$-89,000	11,439
Applicable income taxes	$93,000	9,312
Income before extraordinary items	$317,000	8,768
Extraordinary gains, net	$0	65
Net income	$317,000	8,772
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$105,000	3,648
Cash dividends	$35,000	8,101
Sale, conversion, retirement of capital stock, net	$45,000	656
Net operating income	$385,530	8,164
1994-12-31 (YTD Data)		Rank
Total interest income	$3,274,000	7,656
Total interest expense	$1,332,000	7,452
Net interest income	$1,942,000	7,695
Provision for loan and lease losses	$33,000	6,965
Total noninterest income	$1,127,000	2,849
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$650,000	2,082
Trading account gains and fees	NA	NA
Additional Noninterest Income	$477,000	3,038
Total noninterest expense	$2,743,000	4,771
Salaries and employee benefits	$1,160,000	5,422
Premises and equipment expense	$465,000	4,054
Additional noninterest expense	$1,118,000	4,307
Pre-tax net operating income	$293,000	10,181
Securities gains (losses)	$-1,000	8,790
Applicable income taxes	$37,000	10,765
Income before extraordinary items	$255,000	9,638
Extraordinary gains, net	$28,000	192
Net income	$283,000	9,340
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$44,000	5,355
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$214,000	681
Net operating income	$255,870	9,696
1993-12-31 (YTD Data)		Rank
Total interest income	$2,752,000	8,744
Total interest expense	$1,112,000	8,627
Net interest income	$1,640,000	8,673
Provision for loan and lease losses	$15,000	9,365
Total noninterest income	$986,000	3,376
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$637,000	2,153
Trading account gains and fees	NA	NA
Additional Noninterest Income	$349,000	4,111
Total noninterest expense	$2,185,000	5,900
Salaries and employee benefits	$948,000	6,423
Premises and equipment expense	$250,000	6,673
Additional noninterest expense	$987,000	4,973
Pre-tax net operating income	$427,000	9,198
Securities gains (losses)	$64,000	3,088
Applicable income taxes	$223,000	7,210
Income before extraordinary items	$268,000	9,836
Extraordinary gains, net	$0	3,149
Net income	$268,000	9,973
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-7,000	11,543
Cash dividends	$51,000	7,904
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$227,040	10,067
1992-12-31 (YTD Data)		Rank
Total interest income	$2,520,000	9,890
Total interest expense	$1,171,000	9,712
Net interest income	$1,349,000	9,803
Provision for loan and lease losses	$11,000	11,121
Total noninterest income	$662,000	4,611
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$541,000	2,548
Trading account gains and fees	NA	NA
Additional Noninterest Income	$121,000	7,418
Total noninterest expense	$1,624,000	7,490
Salaries and employee benefits	$731,000	7,763
Premises and equipment expense	$99,000	10,778
Additional noninterest expense	$794,000	6,105
Pre-tax net operating income	$376,000	9,455
Securities gains (losses)	$146,000	2,447
Applicable income taxes	$177,000	8,040
Income before extraordinary items	$345,000	8,772
Extraordinary gains, net	$145,000	580
Net income	$490,000	7,509
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-9,000	12,762
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$248,640	9,573

* 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.