Home > New Commerce Bank > Income and Expense
New Commerce Bank, Income and Expense
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,298,000 | 4,925 |
| Total interest expense | $428,000 | 4,468 |
| Net interest income | $870,000 | 5,059 |
| Provision for loan and lease losses | $34,000 | 3,829 |
| Total noninterest income | $94,000 | 5,821 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $46,000 | 5,168 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $48,000 | 5,277 |
| Total noninterest expense | $824,000 | 4,461 |
| Salaries and employee benefits | $396,000 | 4,872 |
| Premises and equipment expense | $107,000 | 4,643 |
| Additional noninterest expense | $321,000 | 3,599 |
| Pre-tax net operating income | $106,000 | 7,134 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $39,000 | 5,067 |
| Income before extraordinary items | $67,000 | 7,487 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $67,000 | 7,486 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,481 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $67,000 | 7,461 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,245,000 | 5,377 |
| Total interest expense | $1,283,000 | 4,927 |
| Net interest income | $2,962,000 | 5,446 |
| Provision for loan and lease losses | $1,078,000 | 983 |
| Total noninterest income | $496,000 | 5,284 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $254,000 | 4,714 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $242,000 | 4,706 |
| Total noninterest expense | $3,075,000 | 4,585 |
| Salaries and employee benefits | $1,692,000 | 4,536 |
| Premises and equipment expense | $404,000 | 4,725 |
| Additional noninterest expense | $979,000 | 4,427 |
| Pre-tax net operating income | $-695,000 | 8,724 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $-257,000 | 8,842 |
| Income before extraordinary items | $-438,000 | 8,690 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-438,000 | 8,692 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $892,000 | 857 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-438,000 | 8,658 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,047,000 | 5,503 |
| Total interest expense | $906,000 | 5,067 |
| Net interest income | $2,141,000 | 5,561 |
| Provision for loan and lease losses | $837,000 | 921 |
| Total noninterest income | $364,000 | 5,368 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $201,000 | 4,621 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $163,000 | 4,945 |
| Total noninterest expense | $2,012,000 | 5,009 |
| Salaries and employee benefits | $1,111,000 | 4,946 |
| Premises and equipment expense | $290,000 | 4,862 |
| Additional noninterest expense | $611,000 | 4,994 |
| Pre-tax net operating income | $-344,000 | 8,716 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $-128,000 | 8,878 |
| Income before extraordinary items | $-216,000 | 8,694 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-216,000 | 8,696 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $894,000 | 620 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-216,000 | 8,666 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,933,000 | 5,654 |
| Total interest expense | $569,000 | 5,268 |
| Net interest income | $1,364,000 | 5,712 |
| Provision for loan and lease losses | $89,000 | 3,789 |
| Total noninterest income | $253,000 | 5,254 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $144,000 | 4,417 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $109,000 | 4,988 |
| Total noninterest expense | $1,384,000 | 4,926 |
| Salaries and employee benefits | $805,000 | 4,700 |
| Premises and equipment expense | $189,000 | 4,954 |
| Additional noninterest expense | $390,000 | 5,144 |
| Pre-tax net operating income | $144,000 | 7,593 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $53,000 | 5,582 |
| Income before extraordinary items | $91,000 | 7,875 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $91,000 | 7,876 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 2,030 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $91,000 | 7,810 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $935,000 | 5,803 |
| Total interest expense | $271,000 | 5,475 |
| Net interest income | $664,000 | 5,802 |
| Provision for loan and lease losses | $63,000 | 2,874 |
| Total noninterest income | $117,000 | 5,396 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $71,000 | 4,385 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $46,000 | 5,276 |
| Total noninterest expense | $658,000 | 5,129 |
| Salaries and employee benefits | $390,000 | 4,830 |
| Premises and equipment expense | $97,000 | 4,884 |
| Additional noninterest expense | $171,000 | 5,584 |
| Pre-tax net operating income | $60,000 | 7,766 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $22,000 | 5,705 |
| Income before extraordinary items | $38,000 | 8,000 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $38,000 | 8,001 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $116,000 | 1,172 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $38,000 | 7,938 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,226,000 | 6,293 |
| Total interest expense | $1,018,000 | 6,070 |
| Net interest income | $2,208,000 | 6,305 |
| Provision for loan and lease losses | $272,000 | 3,386 |
| Total noninterest income | $501,000 | 5,431 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $244,000 | 4,809 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $257,000 | 4,807 |
| Total noninterest expense | $2,433,000 | 5,313 |
| Salaries and employee benefits | $1,355,000 | 5,201 |
| Premises and equipment expense | $363,000 | 5,052 |
| Additional noninterest expense | $715,000 | 5,436 |
| Pre-tax net operating income | $4,000 | 8,512 |
| Securities gains (losses) | $125,000 | 1,696 |
| Applicable income taxes | $48,000 | 6,313 |
| Income before extraordinary items | $81,000 | 8,318 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $81,000 | 8,322 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 5,408 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,000 | 8,535 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,351,000 | 6,453 |
| Total interest expense | $765,000 | 6,197 |
| Net interest income | $1,586,000 | 6,455 |
| Provision for loan and lease losses | $174,000 | 3,661 |
| Total noninterest income | $367,000 | 5,531 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $178,000 | 4,901 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $189,000 | 4,911 |
| Total noninterest expense | $1,793,000 | 5,348 |
| Salaries and employee benefits | $1,005,000 | 5,233 |
| Premises and equipment expense | $273,000 | 5,037 |
| Additional noninterest expense | $515,000 | 5,538 |
| Pre-tax net operating income | $-14,000 | 8,671 |
| Securities gains (losses) | $74,000 | 2,001 |
| Applicable income taxes | $22,000 | 6,754 |
| Income before extraordinary items | $38,000 | 8,579 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $38,000 | 8,580 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,699 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-9,360 | 8,655 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,523,000 | 6,601 |
| Total interest expense | $508,000 | 6,342 |
| Net interest income | $1,015,000 | 6,605 |
| Provision for loan and lease losses | $113,000 | 3,672 |
| Total noninterest income | $219,000 | 5,799 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $105,000 | 5,161 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $114,000 | 5,091 |
| Total noninterest expense | $1,174,000 | 5,400 |
| Salaries and employee benefits | $657,000 | 5,313 |
| Premises and equipment expense | $181,000 | 5,036 |
| Additional noninterest expense | $336,000 | 5,603 |
| Pre-tax net operating income | $-53,000 | 8,778 |
| Securities gains (losses) | $77,000 | 1,714 |
| Applicable income taxes | $9,000 | 7,001 |
| Income before extraordinary items | $15,000 | 8,677 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $15,000 | 8,678 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,160 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-34,280 | 8,744 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $755,000 | 6,669 |
| Total interest expense | $245,000 | 6,549 |
| Net interest income | $510,000 | 6,592 |
| Provision for loan and lease losses | $44,000 | 4,021 |
| Total noninterest income | $84,000 | 6,303 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $38,000 | 5,790 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $46,000 | 5,422 |
| Total noninterest expense | $559,000 | 5,574 |
| Salaries and employee benefits | $316,000 | 5,464 |
| Premises and equipment expense | $90,000 | 5,048 |
| Additional noninterest expense | $153,000 | 5,860 |
| Pre-tax net operating income | $-9,000 | 8,760 |
| Securities gains (losses) | $12,000 | 2,102 |
| Applicable income taxes | $1,000 | 7,273 |
| Income before extraordinary items | $2,000 | 8,736 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,000 | 8,733 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,022 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-6,040 | 8,709 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,911,000 | 6,941 |
| Total interest expense | $997,000 | 6,940 |
| Net interest income | $1,914,000 | 6,766 |
| Provision for loan and lease losses | $110,000 | 5,550 |
| Total noninterest income | $279,000 | 6,630 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $131,000 | 6,104 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $148,000 | 5,632 |
| Total noninterest expense | $2,136,000 | 5,635 |
| Salaries and employee benefits | $1,215,000 | 5,437 |
| Premises and equipment expense | $327,000 | 5,300 |
| Additional noninterest expense | $594,000 | 5,970 |
| Pre-tax net operating income | $-53,000 | 8,712 |
| Securities gains (losses) | $88,000 | 1,856 |
| Applicable income taxes | $14,000 | 7,185 |
| Income before extraordinary items | $21,000 | 8,665 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $21,000 | 8,667 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 6,176 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-35,320 | 8,706 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,019,000 | 7,246 |
| Total interest expense | $1,440,000 | 7,097 |
| Net interest income | $1,579,000 | 7,192 |
| Provision for loan and lease losses | $118,000 | 5,336 |
| Total noninterest income | $228,000 | 7,032 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $69,000 | 7,188 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $159,000 | 5,429 |
| Total noninterest expense | $1,982,000 | 5,759 |
| Salaries and employee benefits | $1,061,000 | 5,780 |
| Premises and equipment expense | $257,000 | 6,000 |
| Additional noninterest expense | $664,000 | 5,464 |
| Pre-tax net operating income | $-293,000 | 9,024 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-93,000 | 9,248 |
| Income before extraordinary items | $-200,000 | 9,048 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-200,000 | 9,050 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,243 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-200,000 | 8,994 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,222,000 | 8,202 |
| Total interest expense | $1,084,000 | 8,048 |
| Net interest income | $1,138,000 | 8,213 |
| Provision for loan and lease losses | $116,000 | 5,015 |
| Total noninterest income | $122,000 | 8,275 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $61,000 | 7,374 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $61,000 | 7,442 |
| Total noninterest expense | $1,639,000 | 6,392 |
| Salaries and employee benefits | $877,000 | 6,397 |
| Premises and equipment expense | $311,000 | 5,321 |
| Additional noninterest expense | $451,000 | 6,765 |
| Pre-tax net operating income | $-495,000 | 9,529 |
| Securities gains (losses) | $-3,000 | 7,730 |
| Applicable income taxes | $-152,000 | 9,650 |
| Income before extraordinary items | $-346,000 | 9,479 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-346,000 | 9,478 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 5,979 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-343,930 | 9,482 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $787,000 | 9,784 |
| Total interest expense | $257,000 | 9,859 |
| Net interest income | $530,000 | 9,636 |
| Provision for loan and lease losses | $196,000 | 3,608 |
| Total noninterest income | $45,000 | 9,654 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $7,000 | 8,734 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $38,000 | 8,510 |
| Total noninterest expense | $1,254,000 | 7,416 |
| Salaries and employee benefits | $708,000 | 7,198 |
| Premises and equipment expense | $159,000 | 7,518 |
| Additional noninterest expense | $387,000 | 7,379 |
| Pre-tax net operating income | $-875,000 | 10,030 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-245,000 | 10,067 |
| Income before extraordinary items | $-630,000 | 9,972 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-630,000 | 9,969 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $8,250,000 | 114 |
| Net operating income | $-630,000 | 9,957 |
* 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.