Home > Farmers State Bank of Northern Missouri > Income and Expense
Farmers State Bank of Northern Missouri, Income and Expense
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,566,000 | 5,031 |
| Total interest expense | $787,000 | 4,555 |
| Net interest income | $779,000 | 5,386 |
| Provision for loan and lease losses | $14,000 | 5,280 |
| Total noninterest income | $324,000 | 2,979 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $99,000 | 3,483 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $225,000 | 2,398 |
| Total noninterest expense | $786,000 | 4,984 |
| Salaries and employee benefits | $537,000 | 4,300 |
| Premises and equipment expense | $87,000 | 5,531 |
| Additional noninterest expense | $162,000 | 5,974 |
| Pre-tax net operating income | $303,000 | 4,129 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $99,000 | 2,817 |
| Income before extraordinary items | $204,000 | 4,618 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $204,000 | 4,621 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 3,724 |
| Cash dividends | $100,000 | 2,880 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $204,000 | 4,523 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $6,136,000 | 5,148 |
| Total interest expense | $3,429,000 | 4,394 |
| Net interest income | $2,707,000 | 5,761 |
| Provision for loan and lease losses | $430,000 | 2,580 |
| Total noninterest income | $1,304,000 | 2,971 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $434,000 | 3,369 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $870,000 | 2,432 |
| Total noninterest expense | $3,031,000 | 4,975 |
| Salaries and employee benefits | $2,048,000 | 4,316 |
| Premises and equipment expense | $333,000 | 5,530 |
| Additional noninterest expense | $650,000 | 5,931 |
| Pre-tax net operating income | $550,000 | 5,830 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $143,000 | 4,175 |
| Income before extraordinary items | $407,000 | 6,026 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $407,000 | 6,026 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 5,621 |
| Cash dividends | $80,000 | 5,454 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $407,000 | 6,018 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $4,585,000 | 5,181 |
| Total interest expense | $2,629,000 | 4,347 |
| Net interest income | $1,956,000 | 5,899 |
| Provision for loan and lease losses | $417,000 | 1,801 |
| Total noninterest income | $968,000 | 2,990 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $321,000 | 3,401 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $647,000 | 2,448 |
| Total noninterest expense | $2,242,000 | 4,993 |
| Salaries and employee benefits | $1,515,000 | 4,343 |
| Premises and equipment expense | $258,000 | 5,451 |
| Additional noninterest expense | $469,000 | 5,982 |
| Pre-tax net operating income | $265,000 | 6,703 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $64,000 | 4,784 |
| Income before extraordinary items | $201,000 | 6,804 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $201,000 | 6,802 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,346 |
| Cash dividends | $60,000 | 4,875 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $201,000 | 6,789 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,987,000 | 5,282 |
| Total interest expense | $1,740,000 | 4,375 |
| Net interest income | $1,247,000 | 6,051 |
| Provision for loan and lease losses | $229,000 | 1,968 |
| Total noninterest income | $629,000 | 3,052 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $204,000 | 3,476 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $425,000 | 2,486 |
| Total noninterest expense | $1,447,000 | 5,127 |
| Salaries and employee benefits | $950,000 | 4,579 |
| Premises and equipment expense | $175,000 | 5,426 |
| Additional noninterest expense | $322,000 | 5,928 |
| Pre-tax net operating income | $200,000 | 6,632 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $62,000 | 4,578 |
| Income before extraordinary items | $138,000 | 6,835 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $138,000 | 6,835 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,420 |
| Cash dividends | $40,000 | 4,747 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $138,000 | 6,820 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,456,000 | 5,362 |
| Total interest expense | $865,000 | 4,375 |
| Net interest income | $591,000 | 6,198 |
| Provision for loan and lease losses | $207,000 | 1,129 |
| Total noninterest income | $280,000 | 3,270 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $92,000 | 3,616 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $188,000 | 2,640 |
| Total noninterest expense | $705,000 | 5,230 |
| Salaries and employee benefits | $468,000 | 4,650 |
| Premises and equipment expense | $90,000 | 5,373 |
| Additional noninterest expense | $147,000 | 6,164 |
| Pre-tax net operating income | $-41,000 | 8,007 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $-25,000 | 8,323 |
| Income before extraordinary items | $-16,000 | 7,941 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-16,000 | 7,940 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 3,606 |
| Cash dividends | $20,000 | 3,814 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-16,000 | 7,929 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $5,278,000 | 5,405 |
| Total interest expense | $3,056,000 | 4,273 |
| Net interest income | $2,222,000 | 6,311 |
| Provision for loan and lease losses | $390,000 | 2,314 |
| Total noninterest income | $1,129,000 | 3,269 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $395,000 | 3,561 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $734,000 | 2,708 |
| Total noninterest expense | $3,414,000 | 4,476 |
| Salaries and employee benefits | $1,871,000 | 4,498 |
| Premises and equipment expense | $354,000 | 5,294 |
| Additional noninterest expense | $1,189,000 | 3,967 |
| Pre-tax net operating income | $-453,000 | 8,235 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $-207,000 | 8,459 |
| Income before extraordinary items | $-246,000 | 8,177 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-246,000 | 8,179 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $133,000 | 2,753 |
| Cash dividends | $92,000 | 5,491 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $-246,000 | 8,176 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,860,000 | 5,468 |
| Total interest expense | $2,205,000 | 4,284 |
| Net interest income | $1,655,000 | 6,381 |
| Provision for loan and lease losses | $338,000 | 1,955 |
| Total noninterest income | $932,000 | 3,083 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $303,000 | 3,549 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $629,000 | 2,503 |
| Total noninterest expense | $2,608,000 | 4,401 |
| Salaries and employee benefits | $1,407,000 | 4,462 |
| Premises and equipment expense | $263,000 | 5,323 |
| Additional noninterest expense | $938,000 | 3,805 |
| Pre-tax net operating income | $-359,000 | 8,373 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $-159,000 | 8,605 |
| Income before extraordinary items | $-200,000 | 8,321 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-200,000 | 8,321 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 2,202 |
| Cash dividends | $69,000 | 4,922 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $-200,000 | 8,315 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,501,000 | 5,530 |
| Total interest expense | $1,385,000 | 4,321 |
| Net interest income | $1,116,000 | 6,398 |
| Provision for loan and lease losses | $297,000 | 1,546 |
| Total noninterest income | $634,000 | 3,018 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $196,000 | 3,589 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $438,000 | 2,406 |
| Total noninterest expense | $1,869,000 | 4,188 |
| Salaries and employee benefits | $932,000 | 4,493 |
| Premises and equipment expense | $175,000 | 5,326 |
| Additional noninterest expense | $762,000 | 3,250 |
| Pre-tax net operating income | $-416,000 | 8,532 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $-171,000 | 8,675 |
| Income before extraordinary items | $-245,000 | 8,458 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-245,000 | 8,459 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 1,738 |
| Cash dividends | $46,000 | 4,814 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $-245,000 | 8,457 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,211,000 | 5,581 |
| Total interest expense | $662,000 | 4,320 |
| Net interest income | $549,000 | 6,449 |
| Provision for loan and lease losses | $189,000 | 1,200 |
| Total noninterest income | $291,000 | 3,152 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $94,000 | 3,616 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $197,000 | 2,522 |
| Total noninterest expense | $1,169,000 | 3,547 |
| Salaries and employee benefits | $478,000 | 4,420 |
| Premises and equipment expense | $91,000 | 5,241 |
| Additional noninterest expense | $600,000 | 2,156 |
| Pre-tax net operating income | $-518,000 | 8,701 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $-205,000 | 8,734 |
| Income before extraordinary items | $-313,000 | 8,644 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-313,000 | 8,643 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 1,247 |
| Cash dividends | $23,000 | 3,811 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $-313,000 | 8,638 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,406,000 | 5,549 |
| Total interest expense | $1,952,000 | 4,504 |
| Net interest income | $2,454,000 | 6,096 |
| Provision for loan and lease losses | $286,000 | 2,940 |
| Total noninterest income | $528,000 | 5,114 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $353,000 | 3,823 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $175,000 | 5,437 |
| Total noninterest expense | $2,181,000 | 5,806 |
| Salaries and employee benefits | $1,070,000 | 6,163 |
| Premises and equipment expense | $345,000 | 5,333 |
| Additional noninterest expense | $766,000 | 5,304 |
| Pre-tax net operating income | $515,000 | 6,702 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $157,000 | 4,948 |
| Income before extraordinary items | $358,000 | 6,942 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $358,000 | 6,942 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $176,000 | 2,483 |
| Cash dividends | $108,000 | 5,435 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $358,000 | 6,930 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,262,000 | 5,556 |
| Total interest expense | $1,406,000 | 4,499 |
| Net interest income | $1,856,000 | 6,100 |
| Provision for loan and lease losses | $246,000 | 2,575 |
| Total noninterest income | $350,000 | 5,428 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $252,000 | 3,942 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $98,000 | 5,978 |
| Total noninterest expense | $1,543,000 | 5,981 |
| Salaries and employee benefits | $763,000 | 6,297 |
| Premises and equipment expense | $252,000 | 5,413 |
| Additional noninterest expense | $528,000 | 5,544 |
| Pre-tax net operating income | $417,000 | 6,719 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $121,000 | 5,053 |
| Income before extraordinary items | $296,000 | 6,942 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $296,000 | 6,941 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $164,000 | 1,918 |
| Cash dividends | $81,000 | 4,818 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $296,000 | 6,901 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,150,000 | 5,527 |
| Total interest expense | $889,000 | 4,476 |
| Net interest income | $1,261,000 | 6,034 |
| Provision for loan and lease losses | $208,000 | 2,103 |
| Total noninterest income | $228,000 | 5,451 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $168,000 | 3,886 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $60,000 | 6,128 |
| Total noninterest expense | $924,000 | 6,318 |
| Salaries and employee benefits | $465,000 | 6,551 |
| Premises and equipment expense | $163,000 | 5,467 |
| Additional noninterest expense | $296,000 | 6,043 |
| Pre-tax net operating income | $357,000 | 6,251 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $108,000 | 4,717 |
| Income before extraordinary items | $249,000 | 6,522 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $249,000 | 6,524 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $158,000 | 1,419 |
| Cash dividends | $54,000 | 4,691 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $249,000 | 6,472 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,059,000 | 5,556 |
| Total interest expense | $428,000 | 4,468 |
| Net interest income | $631,000 | 6,069 |
| Provision for loan and lease losses | $43,000 | 3,526 |
| Total noninterest income | $103,000 | 5,609 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $73,000 | 4,143 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $30,000 | 6,174 |
| Total noninterest expense | $450,000 | 6,428 |
| Salaries and employee benefits | $230,000 | 6,621 |
| Premises and equipment expense | $77,000 | 5,676 |
| Additional noninterest expense | $143,000 | 6,156 |
| Pre-tax net operating income | $241,000 | 5,528 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $79,000 | 4,134 |
| Income before extraordinary items | $162,000 | 5,937 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $162,000 | 5,938 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 2,365 |
| Cash dividends | $27,000 | 3,659 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $162,000 | 5,897 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,118,000 | 5,463 |
| Total interest expense | $1,522,000 | 4,475 |
| Net interest income | $2,596,000 | 5,886 |
| Provision for loan and lease losses | $121,000 | 4,610 |
| Total noninterest income | $463,000 | 5,455 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $333,000 | 4,063 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $130,000 | 5,966 |
| Total noninterest expense | $1,959,000 | 6,063 |
| Salaries and employee benefits | $964,000 | 6,403 |
| Premises and equipment expense | $343,000 | 5,288 |
| Additional noninterest expense | $652,000 | 5,753 |
| Pre-tax net operating income | $979,000 | 5,288 |
| Securities gains (losses) | $-4,000 | 8,021 |
| Applicable income taxes | $375,000 | 3,821 |
| Income before extraordinary items | $600,000 | 5,951 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $600,000 | 5,954 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $129,000 | 3,277 |
| Cash dividends | $68,000 | 5,716 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $602,560 | 5,868 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,025,000 | 5,528 |
| Total interest expense | $1,124,000 | 4,479 |
| Net interest income | $1,901,000 | 5,969 |
| Provision for loan and lease losses | $91,000 | 4,413 |
| Total noninterest income | $346,000 | 5,505 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $248,000 | 4,122 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $98,000 | 5,957 |
| Total noninterest expense | $1,499,000 | 5,966 |
| Salaries and employee benefits | $763,000 | 6,176 |
| Premises and equipment expense | $259,000 | 5,236 |
| Additional noninterest expense | $477,000 | 5,777 |
| Pre-tax net operating income | $657,000 | 5,663 |
| Securities gains (losses) | $-4,000 | 8,316 |
| Applicable income taxes | $257,000 | 4,031 |
| Income before extraordinary items | $396,000 | 6,358 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $396,000 | 6,358 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 3,382 |
| Cash dividends | $51,000 | 4,974 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $398,560 | 6,257 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,968,000 | 5,597 |
| Total interest expense | $748,000 | 4,487 |
| Net interest income | $1,220,000 | 6,105 |
| Provision for loan and lease losses | $59,000 | 4,536 |
| Total noninterest income | $225,000 | 5,566 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $157,000 | 4,225 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $68,000 | 5,903 |
| Total noninterest expense | $996,000 | 6,010 |
| Salaries and employee benefits | $506,000 | 6,250 |
| Premises and equipment expense | $172,000 | 5,274 |
| Additional noninterest expense | $318,000 | 5,799 |
| Pre-tax net operating income | $390,000 | 5,912 |
| Securities gains (losses) | $-4,000 | 8,544 |
| Applicable income taxes | $159,000 | 4,153 |
| Income before extraordinary items | $227,000 | 6,655 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $227,000 | 6,655 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 4,807 |
| Cash dividends | $34,000 | 4,835 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $229,560 | 6,548 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $943,000 | 5,768 |
| Total interest expense | $387,000 | 4,421 |
| Net interest income | $556,000 | 6,397 |
| Provision for loan and lease losses | $34,000 | 3,968 |
| Total noninterest income | $109,000 | 5,576 |
| 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 | $38,000 | 5,668 |
| Total noninterest expense | $505,000 | 6,017 |
| Salaries and employee benefits | $248,000 | 6,367 |
| Premises and equipment expense | $92,000 | 5,093 |
| Additional noninterest expense | $165,000 | 5,693 |
| Pre-tax net operating income | $126,000 | 6,777 |
| Securities gains (losses) | $-4,000 | 8,823 |
| Applicable income taxes | $33,000 | 5,294 |
| Income before extraordinary items | $89,000 | 7,081 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $89,000 | 7,083 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,263 |
| Cash dividends | $17,000 | 3,734 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $91,920 | 6,962 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,575,000 | 5,976 |
| Total interest expense | $1,727,000 | 4,477 |
| Net interest income | $1,848,000 | 6,828 |
| Provision for loan and lease losses | $240,000 | 3,615 |
| Total noninterest income | $393,000 | 6,002 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $267,000 | 4,589 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $126,000 | 6,134 |
| Total noninterest expense | $1,884,000 | 6,191 |
| Salaries and employee benefits | $982,000 | 6,323 |
| Premises and equipment expense | $370,000 | 4,997 |
| Additional noninterest expense | $532,000 | 6,362 |
| Pre-tax net operating income | $117,000 | 8,136 |
| Securities gains (losses) | $59,000 | 2,361 |
| Applicable income taxes | $-33,000 | 8,838 |
| Income before extraordinary items | $209,000 | 7,719 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $209,000 | 7,722 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 4,681 |
| Cash dividends | $43,000 | 5,985 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $150,000 | 7,889 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,604,000 | 6,145 |
| Total interest expense | $1,320,000 | 4,535 |
| Net interest income | $1,284,000 | 7,085 |
| Provision for loan and lease losses | $63,000 | 5,456 |
| Total noninterest income | $284,000 | 6,135 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $196,000 | 4,665 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $88,000 | 6,309 |
| Total noninterest expense | $1,420,000 | 6,126 |
| Salaries and employee benefits | $750,000 | 6,235 |
| Premises and equipment expense | $269,000 | 5,083 |
| Additional noninterest expense | $401,000 | 6,330 |
| Pre-tax net operating income | $85,000 | 8,310 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $5,000 | 7,232 |
| Income before extraordinary items | $80,000 | 8,347 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $80,000 | 8,349 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 4,505 |
| Cash dividends | $32,000 | 5,257 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $80,000 | 8,231 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,704,000 | 6,232 |
| Total interest expense | $904,000 | 4,565 |
| Net interest income | $800,000 | 7,277 |
| Provision for loan and lease losses | $38,000 | 5,528 |
| Total noninterest income | $175,000 | 6,289 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $115,000 | 4,936 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $60,000 | 6,260 |
| Total noninterest expense | $926,000 | 6,233 |
| Salaries and employee benefits | $494,000 | 6,308 |
| Premises and equipment expense | $175,000 | 5,140 |
| Additional noninterest expense | $257,000 | 6,440 |
| Pre-tax net operating income | $11,000 | 8,606 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $-30,000 | 9,053 |
| Income before extraordinary items | $41,000 | 8,503 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $41,000 | 8,504 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 3,791 |
| Cash dividends | $22,000 | 5,036 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $41,000 | 8,374 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $800,000 | 6,452 |
| Total interest expense | $446,000 | 4,694 |
| Net interest income | $354,000 | 7,586 |
| Provision for loan and lease losses | $15,000 | 5,504 |
| Total noninterest income | $51,000 | 7,328 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $24,000 | 6,593 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $27,000 | 6,429 |
| Total noninterest expense | $441,000 | 6,415 |
| Salaries and employee benefits | $239,000 | 6,421 |
| Premises and equipment expense | $87,000 | 5,158 |
| Additional noninterest expense | $115,000 | 6,763 |
| Pre-tax net operating income | $-51,000 | 8,891 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $-36,000 | 9,152 |
| Income before extraordinary items | $-15,000 | 8,858 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-15,000 | 8,855 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 4,268 |
| Cash dividends | $11,000 | 3,827 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-15,000 | 8,759 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,846,000 | 7,008 |
| Total interest expense | $1,029,000 | 6,862 |
| Net interest income | $1,817,000 | 6,924 |
| Provision for loan and lease losses | $45,000 | 6,823 |
| Total noninterest income | $258,000 | 6,791 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $196,000 | 5,245 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $62,000 | 7,289 |
| Total noninterest expense | $1,485,000 | 6,877 |
| Salaries and employee benefits | $777,000 | 6,965 |
| Premises and equipment expense | $321,000 | 5,345 |
| Additional noninterest expense | $387,000 | 7,244 |
| Pre-tax net operating income | $545,000 | 6,591 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $101,000 | 5,954 |
| Income before extraordinary items | $444,000 | 6,637 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $444,000 | 6,636 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 6,685 |
| Cash dividends | $84,000 | 5,703 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $444,000 | 6,512 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,908,000 | 7,351 |
| Total interest expense | $1,428,000 | 7,126 |
| Net interest income | $1,480,000 | 7,372 |
| Provision for loan and lease losses | $18,000 | 7,646 |
| Total noninterest income | $259,000 | 6,784 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $179,000 | 5,405 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $80,000 | 6,875 |
| Total noninterest expense | $1,419,000 | 6,979 |
| Salaries and employee benefits | $696,000 | 7,223 |
| Premises and equipment expense | $215,000 | 6,569 |
| Additional noninterest expense | $508,000 | 6,381 |
| Pre-tax net operating income | $302,000 | 7,403 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $115,000 | 5,834 |
| Income before extraordinary items | $187,000 | 7,821 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $187,000 | 7,823 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 5,231 |
| Cash dividends | $476,000 | 3,568 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $187,000 | 7,707 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,746,000 | 7,661 |
| Total interest expense | $1,378,000 | 7,392 |
| Net interest income | $1,368,000 | 7,711 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $236,000 | 6,920 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $189,000 | 5,243 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $47,000 | 7,934 |
| Total noninterest expense | $1,186,000 | 7,536 |
| Salaries and employee benefits | $612,000 | 7,633 |
| Premises and equipment expense | $128,000 | 7,958 |
| Additional noninterest expense | $446,000 | 6,804 |
| Pre-tax net operating income | $418,000 | 7,371 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $155,000 | 5,860 |
| Income before extraordinary items | $263,000 | 7,706 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $263,000 | 7,705 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,468 |
| Cash dividends | $60,000 | 6,304 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $263,000 | 7,705 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $570,000 | 9,926 |
| Total interest expense | $267,000 | 9,842 |
| Net interest income | $303,000 | 9,955 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $55,000 | 9,515 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $47,000 | 7,913 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $8,000 | 9,823 |
| Total noninterest expense | $282,000 | 10,077 |
| Salaries and employee benefits | $149,000 | 10,044 |
| Premises and equipment expense | $32,000 | 9,947 |
| Additional noninterest expense | $101,000 | 9,915 |
| Pre-tax net operating income | $76,000 | 9,161 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $40,000 | 7,812 |
| Income before extraordinary items | $36,000 | 9,301 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $36,000 | 9,296 |
| 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 | $0 | 1,035 |
| Net operating income | $36,000 | 9,267 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,063,000 | 8,609 |
| Total interest expense | $925,000 | 8,624 |
| Net interest income | $1,138,000 | 8,477 |
| Provision for loan and lease losses | $94,000 | 5,266 |
| Total noninterest income | $182,000 | 7,796 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $149,000 | 5,953 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $33,000 | 8,867 |
| Total noninterest expense | $754,000 | 8,924 |
| Salaries and employee benefits | $422,000 | 8,826 |
| Premises and equipment expense | $108,000 | 8,537 |
| Additional noninterest expense | $224,000 | 8,859 |
| Pre-tax net operating income | $472,000 | 7,521 |
| Securities gains (losses) | $9,000 | 3,034 |
| Applicable income taxes | $126,000 | 7,158 |
| Income before extraordinary items | $355,000 | 7,505 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $355,000 | 7,504 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 6,814 |
| Cash dividends | $194,000 | 5,458 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $348,340 | 7,463 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,860,000 | 9,192 |
| Total interest expense | $836,000 | 9,144 |
| Net interest income | $1,024,000 | 9,124 |
| Provision for loan and lease losses | $67,000 | 5,992 |
| Total noninterest income | $164,000 | 8,379 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $143,000 | 6,289 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,000 | 9,798 |
| Total noninterest expense | $737,000 | 9,272 |
| Salaries and employee benefits | $379,000 | 9,396 |
| Premises and equipment expense | $102,000 | 8,911 |
| Additional noninterest expense | $256,000 | 8,776 |
| Pre-tax net operating income | $384,000 | 8,521 |
| Securities gains (losses) | $-1,000 | 9,009 |
| Applicable income taxes | $108,000 | 8,273 |
| Income before extraordinary items | $275,000 | 8,562 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $275,000 | 8,564 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 5,336 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $275,720 | 8,510 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,633,000 | 9,927 |
| Total interest expense | $780,000 | 9,707 |
| Net interest income | $853,000 | 9,950 |
| Provision for loan and lease losses | $45,000 | 6,812 |
| Total noninterest income | $138,000 | 9,209 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $124,000 | 6,993 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $14,000 | 10,772 |
| Total noninterest expense | $684,000 | 9,861 |
| Salaries and employee benefits | $368,000 | 9,835 |
| Premises and equipment expense | $98,000 | 9,349 |
| Additional noninterest expense | $218,000 | 9,728 |
| Pre-tax net operating income | $262,000 | 9,388 |
| Securities gains (losses) | $9,000 | 2,573 |
| Applicable income taxes | $60,000 | 9,509 |
| Income before extraordinary items | $211,000 | 9,193 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $211,000 | 9,196 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,797 |
| Cash dividends | $140,000 | 6,159 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $203,980 | 9,207 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,312,000 | 10,820 |
| Total interest expense | $546,000 | 10,864 |
| Net interest income | $766,000 | 10,641 |
| Provision for loan and lease losses | $13,000 | 8,094 |
| Total noninterest income | $139,000 | 9,498 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $118,000 | 7,356 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,000 | 10,833 |
| Total noninterest expense | $512,000 | 10,973 |
| Salaries and employee benefits | $250,000 | 11,149 |
| Premises and equipment expense | $73,000 | 10,394 |
| Additional noninterest expense | $189,000 | 10,557 |
| Pre-tax net operating income | $380,000 | 9,195 |
| Securities gains (losses) | $15,000 | 2,090 |
| Applicable income taxes | $105,000 | 9,072 |
| Income before extraordinary items | $290,000 | 9,038 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $290,000 | 9,044 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,680 |
| Cash dividends | $278,000 | 4,734 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $279,050 | 9,119 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,126,000 | 11,484 |
| Total interest expense | $395,000 | 11,613 |
| Net interest income | $731,000 | 11,270 |
| Provision for loan and lease losses | $9,000 | 8,587 |
| Total noninterest income | $132,000 | 10,075 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $113,000 | 7,763 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,000 | 11,499 |
| Total noninterest expense | $426,000 | 11,931 |
| Salaries and employee benefits | $229,000 | 11,847 |
| Premises and equipment expense | $44,000 | 11,852 |
| Additional noninterest expense | $153,000 | 11,756 |
| Pre-tax net operating income | $428,000 | 9,142 |
| Securities gains (losses) | $-21,000 | 10,372 |
| Applicable income taxes | $130,000 | 8,710 |
| Income before extraordinary items | $277,000 | 9,406 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $277,000 | 9,412 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,875 |
| Cash dividends | $119,000 | 6,598 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $291,280 | 9,310 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,014,000 | 12,258 |
| Total interest expense | $321,000 | 12,582 |
| Net interest income | $693,000 | 11,907 |
| Provision for loan and lease losses | $95,000 | 5,900 |
| Total noninterest income | $133,000 | 10,566 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $112,000 | 8,052 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,000 | 11,957 |
| Total noninterest expense | $423,000 | 12,536 |
| Salaries and employee benefits | $222,000 | 12,437 |
| Premises and equipment expense | $58,000 | 11,921 |
| Additional noninterest expense | $143,000 | 12,505 |
| Pre-tax net operating income | $308,000 | 10,170 |
| Securities gains (losses) | $41,000 | 3,697 |
| Applicable income taxes | $72,000 | 10,417 |
| Income before extraordinary items | $277,000 | 9,730 |
| Extraordinary gains, net | $-70,000 | 12,826 |
| Net income | $207,000 | 10,668 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 4,649 |
| Cash dividends | $68,000 | 7,562 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $244,610 | 9,863 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,020,000 | 12,988 |
| Total interest expense | $382,000 | 13,251 |
| Net interest income | $638,000 | 12,576 |
| Provision for loan and lease losses | $8,000 | 11,328 |
| Total noninterest income | $123,000 | 11,096 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $105,000 | 8,358 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 12,735 |
| Total noninterest expense | $435,000 | 12,988 |
| Salaries and employee benefits | $214,000 | 13,008 |
| Premises and equipment expense | $73,000 | 11,760 |
| Additional noninterest expense | $148,000 | 12,985 |
| Pre-tax net operating income | $318,000 | 9,959 |
| Securities gains (losses) | $8,000 | 6,653 |
| Applicable income taxes | $119,000 | 9,396 |
| Income before extraordinary items | $207,000 | 10,504 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $207,000 | 10,645 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 8,345 |
| Cash dividends | $98,000 | 6,713 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $201,880 | 10,242 |
* 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.