Home > National Bank of Commerce > Income and Expense

National Bank of Commerce, Income and Expense

2005-03-31 (YTD Data)		Rank
Total interest income	$291,594,000	58
Total interest expense	$90,793,000	67
Net interest income	$200,801,000	55
Provision for loan and lease losses	$9,104,000	65
Total noninterest income	$64,995,000	88
Gross Fiduciary activities income	$5,187,000	76
Service charges on deposit accounts	$29,904,000	36
Trading account gains and fees	$4,378,000	29
Additional Noninterest Income	$25,526,000	114
Total noninterest expense	$131,635,000	69
Salaries and employee benefits	$65,264,000	56
Premises and equipment expense	$18,045,000	56
Additional noninterest expense	$48,326,000	77
Pre-tax net operating income	$125,057,000	58
Securities gains (losses)	$801,000	114
Applicable income taxes	$43,846,000	58
Income before extraordinary items	$82,012,000	59
Extraordinary gains, net	$0	24
Net income	$82,012,000	60
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,094,000	56
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$81,491,350	60
2004-12-31 (YTD Data)		Rank
Total interest income	$279,379,000	158
Total interest expense	$84,197,000	144
Net interest income	$195,182,000	159
Provision for loan and lease losses	$12,439,000	127
Total noninterest income	$84,011,000	170
Gross Fiduciary activities income	$5,509,000	145
Service charges on deposit accounts	$32,032,000	84
Trading account gains and fees	$10,983,000	38
Additional Noninterest Income	$35,487,000	210
Total noninterest expense	$153,802,000	172
Salaries and employee benefits	$74,372,000	149
Premises and equipment expense	$19,973,000	154
Additional noninterest expense	$59,457,000	173
Pre-tax net operating income	$112,952,000	148
Securities gains (losses)	$505,000	453
Applicable income taxes	$40,074,000	152
Income before extraordinary items	$73,383,000	161
Extraordinary gains, net	$0	34
Net income	$73,383,000	162
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,825,000	122
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$73,054,750	153
2004-09-30 (YTD Data)		Rank
Total interest income	$793,560,000	60
Total interest expense	$213,010,000	64
Net interest income	$580,550,000	56
Provision for loan and lease losses	$43,881,000	59
Total noninterest income	$285,465,000	68
Gross Fiduciary activities income	$16,681,000	71
Service charges on deposit accounts	$131,351,000	30
Trading account gains and fees	$48,462,000	17
Additional Noninterest Income	$88,971,000	108
Total noninterest expense	$460,825,000	68
Salaries and employee benefits	$217,466,000	55
Premises and equipment expense	$58,024,000	59
Additional noninterest expense	$185,335,000	69
Pre-tax net operating income	$361,309,000	63
Securities gains (losses)	$12,806,000	48
Applicable income taxes	$124,107,000	67
Income before extraordinary items	$250,008,000	65
Extraordinary gains, net	$0	26
Net income	$250,008,000	64
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$39,242,000	62
Cash dividends	$136,000,000	54
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$241,427,980	65
2004-06-30 (YTD Data)		Rank
Total interest income	$521,185,000	62
Total interest expense	$135,898,000	69
Net interest income	$385,287,000	58
Provision for loan and lease losses	$24,867,000	67
Total noninterest income	$196,343,000	70
Gross Fiduciary activities income	$11,228,000	74
Service charges on deposit accounts	$85,844,000	31
Trading account gains and fees	$36,446,000	18
Additional Noninterest Income	$62,825,000	112
Total noninterest expense	$299,311,000	70
Salaries and employee benefits	$146,775,000	56
Premises and equipment expense	$38,322,000	61
Additional noninterest expense	$114,214,000	75
Pre-tax net operating income	$257,452,000	60
Securities gains (losses)	$10,984,000	42
Applicable income taxes	$89,450,000	61
Income before extraordinary items	$178,986,000	64
Extraordinary gains, net	$0	21
Net income	$178,986,000	64
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,859,000	89
Cash dividends	$126,000,000	46
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$171,626,720	63
2004-03-31 (YTD Data)		Rank
Total interest income	$259,101,000	60
Total interest expense	$67,915,000	69
Net interest income	$191,186,000	57
Provision for loan and lease losses	$12,049,000	69
Total noninterest income	$91,344,000	73
Gross Fiduciary activities income	$5,762,000	74
Service charges on deposit accounts	$40,958,000	32
Trading account gains and fees	$18,524,000	18
Additional Noninterest Income	$26,100,000	112
Total noninterest expense	$148,927,000	69
Salaries and employee benefits	$74,152,000	54
Premises and equipment expense	$19,173,000	61
Additional noninterest expense	$55,602,000	75
Pre-tax net operating income	$121,554,000	61
Securities gains (losses)	$10,918,000	37
Applicable income taxes	$43,974,000	63
Income before extraordinary items	$88,498,000	64
Extraordinary gains, net	$0	16
Net income	$88,498,000	65
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,091,000	85
Cash dividends	$96,000,000	34
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$81,182,940	64
2003-12-31 (YTD Data)		Rank
Total interest income	$1,048,788,000	59
Total interest expense	$306,538,000	62
Net interest income	$742,250,000	57
Provision for loan and lease losses	$48,582,000	82
Total noninterest income	$436,352,000	68
Gross Fiduciary activities income	$19,807,000	79
Service charges on deposit accounts	$167,959,000	32
Trading account gains and fees	$68,013,000	18
Additional Noninterest Income	$180,573,000	87
Total noninterest expense	$665,188,000	60
Salaries and employee benefits	$310,073,000	54
Premises and equipment expense	$78,614,000	63
Additional noninterest expense	$276,501,000	70
Pre-tax net operating income	$464,832,000	62
Securities gains (losses)	$4,708,000	165
Applicable income taxes	$154,084,000	67
Income before extraordinary items	$315,456,000	65
Extraordinary gains, net	$0	54
Net income	$315,456,000	65
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$40,813,000	89
Cash dividends	$232,985,000	54
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$312,301,640	62
2003-09-30 (YTD Data)		Rank
Total interest income	$784,157,000	60
Total interest expense	$237,865,000	61
Net interest income	$546,292,000	56
Provision for loan and lease losses	$36,195,000	88
Total noninterest income	$342,658,000	64
Gross Fiduciary activities income	$14,623,000	81
Service charges on deposit accounts	$126,793,000	32
Trading account gains and fees	$53,260,000	16
Additional Noninterest Income	$147,982,000	82
Total noninterest expense	$515,104,000	59
Salaries and employee benefits	$235,532,000	54
Premises and equipment expense	$59,530,000	62
Additional noninterest expense	$220,042,000	63
Pre-tax net operating income	$337,651,000	61
Securities gains (losses)	$1,370,000	360
Applicable income taxes	$109,751,000	64
Income before extraordinary items	$229,270,000	66
Extraordinary gains, net	$0	40
Net income	$229,270,000	66
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$26,721,000	98
Cash dividends	$150,000,000	55
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$228,338,400	61
2003-06-30 (YTD Data)		Rank
Total interest income	$525,386,000	60
Total interest expense	$165,169,000	61
Net interest income	$360,217,000	58
Provision for loan and lease losses	$21,190,000	97
Total noninterest income	$193,578,000	73
Gross Fiduciary activities income	$9,397,000	81
Service charges on deposit accounts	$84,523,000	32
Trading account gains and fees	$36,071,000	19
Additional Noninterest Income	$63,587,000	106
Total noninterest expense	$324,703,000	60
Salaries and employee benefits	$154,421,000	55
Premises and equipment expense	$38,582,000	62
Additional noninterest expense	$131,700,000	70
Pre-tax net operating income	$207,902,000	64
Securities gains (losses)	$5,881,000	130
Applicable income taxes	$69,369,000	66
Income before extraordinary items	$144,414,000	67
Extraordinary gains, net	$0	30
Net income	$144,414,000	67
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,619,000	101
Cash dividends	$113,000,000	45
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$140,414,920	65
2003-03-31 (YTD Data)		Rank
Total interest income	$262,107,000	61
Total interest expense	$83,817,000	61
Net interest income	$178,290,000	60
Provision for loan and lease losses	$7,800,000	114
Total noninterest income	$89,198,000	71
Gross Fiduciary activities income	$4,519,000	86
Service charges on deposit accounts	$41,131,000	31
Trading account gains and fees	$15,054,000	19
Additional Noninterest Income	$28,494,000	114
Total noninterest expense	$151,966,000	61
Salaries and employee benefits	$76,219,000	55
Premises and equipment expense	$18,823,000	63
Additional noninterest expense	$56,924,000	73
Pre-tax net operating income	$107,722,000	62
Securities gains (losses)	$3,422,000	110
Applicable income taxes	$36,189,000	64
Income before extraordinary items	$74,955,000	65
Extraordinary gains, net	$0	21
Net income	$74,955,000	65
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,746,000	108
Cash dividends	$46,000,000	42
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$72,662,260	62
2002-12-31 (YTD Data)		Rank
Total interest income	$1,125,346,000	55
Total interest expense	$387,267,000	62
Net interest income	$738,079,000	56
Provision for loan and lease losses	$32,338,000	128
Total noninterest income	$311,534,000	76
Gross Fiduciary activities income	$18,900,000	86
Service charges on deposit accounts	$158,913,000	32
Trading account gains and fees	$907,000	69
Additional Noninterest Income	$132,814,000	102
Total noninterest expense	$561,520,000	66
Salaries and employee benefits	$263,351,000	56
Premises and equipment expense	$69,894,000	63
Additional noninterest expense	$228,275,000	74
Pre-tax net operating income	$455,755,000	60
Securities gains (losses)	$11,502,000	95
Applicable income taxes	$146,449,000	63
Income before extraordinary items	$320,808,000	59
Extraordinary gains, net	$0	70
Net income	$320,808,000	59
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$31,258,000	117
Cash dividends	$137,000,000	75
Sale, conversion, retirement of capital stock, net	$22,000,000	20
Net operating income	$312,871,620	57
2001-12-31 (YTD Data)		Rank
Total interest income	$1,217,200,000	60
Total interest expense	$566,560,000	64
Net interest income	$650,640,000	63
Provision for loan and lease losses	$29,135,000	141
Total noninterest income	$257,311,000	91
Gross Fiduciary activities income	$20,287,000	79
Service charges on deposit accounts	$121,063,000	37
Trading account gains and fees	$49,048,000	20
Additional Noninterest Income	$66,913,000	148
Total noninterest expense	$535,139,000	71
Salaries and employee benefits	$231,063,000	59
Premises and equipment expense	$58,300,000	70
Additional noninterest expense	$245,776,000	73
Pre-tax net operating income	$343,677,000	64
Securities gains (losses)	$6,629,000	118
Applicable income taxes	$131,257,000	60
Income before extraordinary items	$219,049,000	66
Extraordinary gains, net	$0	105
Net income	$219,049,000	65
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,097,000	135
Cash dividends	$233,700,000	44
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$214,806,440	64
2000-12-31 (YTD Data)		Rank
Total interest income	$546,573,000	121
Total interest expense	$320,794,000	116
Net interest income	$225,779,000	139
Provision for loan and lease losses	$9,021,000	216
Total noninterest income	$82,895,000	173
Gross Fiduciary activities income	$7,735,000	134
Service charges on deposit accounts	$27,875,000	96
Trading account gains and fees	$22,163,000	26
Additional Noninterest Income	$25,122,000	257
Total noninterest expense	$289,168,000	115
Salaries and employee benefits	$83,270,000	133
Premises and equipment expense	$20,527,000	150
Additional noninterest expense	$185,371,000	92
Pre-tax net operating income	$10,485,000	752
Securities gains (losses)	$-1,316,000	9,777
Applicable income taxes	$9,520,000	343
Income before extraordinary items	$-351,000	9,486
Extraordinary gains, net	$0	38
Net income	$-351,000	9,485
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,233,000	187
Cash dividends	$48,715,000	140
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$491,240	6,389
1999-12-31 (YTD Data)		Rank
Total interest income	$363,404,000	151
Total interest expense	$184,982,000	142
Net interest income	$178,422,000	160
Provision for loan and lease losses	$9,625,000	209
Total noninterest income	$74,915,000	188
Gross Fiduciary activities income	$8,942,000	143
Service charges on deposit accounts	$17,055,000	131
Trading account gains and fees	$18,092,000	25
Additional Noninterest Income	$30,826,000	235
Total noninterest expense	$116,954,000	204
Salaries and employee benefits	$65,635,000	154
Premises and equipment expense	$15,766,000	180
Additional noninterest expense	$35,553,000	252
Pre-tax net operating income	$126,758,000	135
Securities gains (losses)	$-1,930,000	10,170
Applicable income taxes	$38,953,000	154
Income before extraordinary items	$85,875,000	137
Extraordinary gains, net	$0	35
Net income	$85,875,000	138
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,157,000	261
Cash dividends	$54,648,000	139
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$87,206,700	130
1998-12-31 (YTD Data)		Rank
Total interest income	$254,287,000	196
Total interest expense	$126,951,000	196
Net interest income	$127,336,000	191
Provision for loan and lease losses	$4,971,000	321
Total noninterest income	$65,922,000	200
Gross Fiduciary activities income	$8,373,000	151
Service charges on deposit accounts	$12,513,000	152
Trading account gains and fees	$20,441,000	25
Additional Noninterest Income	$24,595,000	258
Total noninterest expense	$96,314,000	233
Salaries and employee benefits	$53,638,000	168
Premises and equipment expense	$11,560,000	220
Additional noninterest expense	$31,116,000	274
Pre-tax net operating income	$91,973,000	166
Securities gains (losses)	$1,499,000	288
Applicable income taxes	$29,921,000	171
Income before extraordinary items	$63,551,000	164
Extraordinary gains, net	$0	32
Net income	$63,551,000	165
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,241,000	269
Cash dividends	$59,956,000	131
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$62,531,680	159
1997-12-31 (YTD Data)		Rank
Total interest income	$225,224,000	219
Total interest expense	$116,168,000	208
Net interest income	$109,056,000	224
Provision for loan and lease losses	$12,536,000	179
Total noninterest income	$56,622,000	208
Gross Fiduciary activities income	$8,461,000	149
Service charges on deposit accounts	$11,016,000	161
Trading account gains and fees	$13,115,000	32
Additional Noninterest Income	$24,030,000	240
Total noninterest expense	$79,116,000	253
Salaries and employee benefits	$41,887,000	201
Premises and equipment expense	$10,036,000	240
Additional noninterest expense	$27,193,000	277
Pre-tax net operating income	$74,026,000	184
Securities gains (losses)	$-180,000	10,825
Applicable income taxes	$23,569,000	199
Income before extraordinary items	$50,277,000	184
Extraordinary gains, net	$0	44
Net income	$50,277,000	184
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,898,000	220
Cash dividends	$19,527,000	239
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$50,399,400	179
1996-12-31 (YTD Data)		Rank
Total interest income	$200,591,000	259
Total interest expense	$102,071,000	249
Net interest income	$98,520,000	268
Provision for loan and lease losses	$9,558,000	208
Total noninterest income	$37,173,000	278
Gross Fiduciary activities income	$7,817,000	170
Service charges on deposit accounts	$9,918,000	202
Trading account gains and fees	$10,083,000	37
Additional Noninterest Income	$9,355,000	440
Total noninterest expense	$69,546,000	309
Salaries and employee benefits	$36,648,000	243
Premises and equipment expense	$8,317,000	315
Additional noninterest expense	$24,581,000	372
Pre-tax net operating income	$56,589,000	227
Securities gains (losses)	$890,000	278
Applicable income taxes	$18,582,000	238
Income before extraordinary items	$38,897,000	225
Extraordinary gains, net	$0	53
Net income	$38,897,000	225
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,777,000	304
Cash dividends	$40,045,000	166
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$38,291,800	224
1995-12-31 (YTD Data)		Rank
Total interest income	$173,866,000	303
Total interest expense	$86,679,000	295
Net interest income	$87,187,000	296
Provision for loan and lease losses	$7,158,000	246
Total noninterest income	$34,447,000	288
Gross Fiduciary activities income	$7,348,000	190
Service charges on deposit accounts	$9,623,000	221
Trading account gains and fees	$9,843,000	44
Additional Noninterest Income	$7,633,000	509
Total noninterest expense	$64,900,000	338
Salaries and employee benefits	$33,431,000	272
Premises and equipment expense	$9,140,000	315
Additional noninterest expense	$22,329,000	401
Pre-tax net operating income	$49,576,000	260
Securities gains (losses)	$481,000	367
Applicable income taxes	$15,210,000	279
Income before extraordinary items	$34,847,000	251
Extraordinary gains, net	$0	65
Net income	$34,847,000	250
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,950,000	366
Cash dividends	$19,330,000	264
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$34,510,300	249
1994-12-31 (YTD Data)		Rank
Total interest income	$147,388,000	308
Total interest expense	$61,840,000	317
Net interest income	$85,548,000	293
Provision for loan and lease losses	$4,369,000	317
Total noninterest income	$35,459,000	275
Gross Fiduciary activities income	$6,947,000	188
Service charges on deposit accounts	$10,633,000	212
Trading account gains and fees	$10,211,000	31
Additional Noninterest Income	$7,668,000	487
Total noninterest expense	$65,089,000	331
Salaries and employee benefits	$33,531,000	273
Premises and equipment expense	$8,321,000	337
Additional noninterest expense	$23,237,000	400
Pre-tax net operating income	$51,549,000	245
Securities gains (losses)	$-775,000	12,349
Applicable income taxes	$15,676,000	250
Income before extraordinary items	$35,098,000	226
Extraordinary gains, net	$0	249
Net income	$35,098,000	225
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,717,000	365
Cash dividends	$23,990,000	196
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$35,632,750	230
1993-12-31 (YTD Data)		Rank
Total interest income	$131,050,000	321
Total interest expense	$49,356,000	360
Net interest income	$81,694,000	298
Provision for loan and lease losses	$6,176,000	375
Total noninterest income	$42,013,000	238
Gross Fiduciary activities income	$6,150,000	202
Service charges on deposit accounts	$10,794,000	204
Trading account gains and fees	$17,239,000	28
Additional Noninterest Income	$7,830,000	499
Total noninterest expense	$70,071,000	322
Salaries and employee benefits	$36,889,000	241
Premises and equipment expense	$7,904,000	350
Additional noninterest expense	$25,278,000	392
Pre-tax net operating income	$47,460,000	222
Securities gains (losses)	$194,000	1,734
Applicable income taxes	$14,840,000	232
Income before extraordinary items	$32,814,000	224
Extraordinary gains, net	$0	3,149
Net income	$32,814,000	233
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,557,000	507
Cash dividends	$13,376,000	234
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$32,680,140	212
1992-12-31 (YTD Data)		Rank
Total interest income	$132,788,000	354
Total interest expense	$55,928,000	398
Net interest income	$76,860,000	309
Provision for loan and lease losses	$10,788,000	347
Total noninterest income	$35,438,000	264
Gross Fiduciary activities income	$4,981,000	220
Service charges on deposit accounts	$9,728,000	211
Trading account gains and fees	$13,685,000	34
Additional Noninterest Income	$7,044,000	532
Total noninterest expense	$63,649,000	337
Salaries and employee benefits	$32,760,000	260
Premises and equipment expense	$7,772,000	364
Additional noninterest expense	$23,117,000	416
Pre-tax net operating income	$37,861,000	206
Securities gains (losses)	$3,046,000	306
Applicable income taxes	$12,838,000	220
Income before extraordinary items	$28,069,000	211
Extraordinary gains, net	$0	1,422
Net income	$28,069,000	213
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,268,000	407
Cash dividends	$11,237,000	188
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$25,967,260	198

* 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.