Home > Merrill Merchants Bank > Income and Expense
Merrill Merchants Bank, Income and Expense
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $25,785,000 | 1,502 |
| Total interest expense | $9,227,000 | 1,746 |
| Net interest income | $16,558,000 | 1,348 |
| Provision for loan and lease losses | $776,000 | 3,095 |
| Total noninterest income | $4,945,000 | 1,059 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $4,945,000 | 657 |
| Total noninterest expense | $16,578,000 | 1,179 |
| Salaries and employee benefits | $7,241,000 | 1,413 |
| Premises and equipment expense | $1,752,000 | 1,581 |
| Additional noninterest expense | $7,585,000 | 862 |
| Pre-tax net operating income | $4,149,000 | 1,317 |
| Securities gains (losses) | $366,000 | 475 |
| Applicable income taxes | $1,610,000 | 813 |
| Income before extraordinary items | $2,905,000 | 1,406 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,905,000 | 1,408 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $850,000 | 2,146 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $2,670,760 | 1,628 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $19,788,000 | 1,513 |
| Total interest expense | $7,416,000 | 1,708 |
| Net interest income | $12,372,000 | 1,366 |
| Provision for loan and lease losses | $469,000 | 2,820 |
| Total noninterest income | $3,611,000 | 1,129 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $3,611,000 | 723 |
| Total noninterest expense | $12,594,000 | 1,156 |
| Salaries and employee benefits | $5,568,000 | 1,395 |
| Premises and equipment expense | $1,311,000 | 1,596 |
| Additional noninterest expense | $5,715,000 | 818 |
| Pre-tax net operating income | $2,920,000 | 1,672 |
| Securities gains (losses) | $272,000 | 499 |
| Applicable income taxes | $1,121,000 | 1,055 |
| Income before extraordinary items | $2,071,000 | 1,722 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $2,071,000 | 1,721 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $542,000 | 1,878 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,894,200 | 1,960 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $13,433,000 | 1,510 |
| Total interest expense | $5,268,000 | 1,669 |
| Net interest income | $8,165,000 | 1,364 |
| Provision for loan and lease losses | $176,000 | 3,363 |
| Total noninterest income | $2,273,000 | 1,195 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $2,273,000 | 774 |
| Total noninterest expense | $8,473,000 | 1,149 |
| Salaries and employee benefits | $3,771,000 | 1,383 |
| Premises and equipment expense | $871,000 | 1,603 |
| Additional noninterest expense | $3,831,000 | 790 |
| Pre-tax net operating income | $1,789,000 | 1,867 |
| Securities gains (losses) | $187,000 | 646 |
| Applicable income taxes | $573,000 | 1,445 |
| Income before extraordinary items | $1,403,000 | 1,910 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,403,000 | 1,912 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $249,000 | 1,989 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,270,230 | 2,035 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $7,043,000 | 1,468 |
| Total interest expense | $2,951,000 | 1,589 |
| Net interest income | $4,092,000 | 1,354 |
| Provision for loan and lease losses | $330,000 | 1,289 |
| Total noninterest income | $1,106,000 | 1,230 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $1,106,000 | 796 |
| Total noninterest expense | $4,267,000 | 1,138 |
| Salaries and employee benefits | $1,916,000 | 1,361 |
| Premises and equipment expense | $460,000 | 1,516 |
| Additional noninterest expense | $1,891,000 | 769 |
| Pre-tax net operating income | $601,000 | 2,698 |
| Securities gains (losses) | $40,000 | 1,206 |
| Applicable income taxes | $219,000 | 1,852 |
| Income before extraordinary items | $422,000 | 3,079 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $422,000 | 3,081 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 1,996 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $395,600 | 3,138 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $17,771,000 | 2,318 |
| Total interest expense | $7,955,000 | 2,330 |
| Net interest income | $9,816,000 | 2,283 |
| Provision for loan and lease losses | $650,000 | 1,944 |
| Total noninterest income | $3,217,000 | 1,559 |
| Gross Fiduciary activities income | $1,074,000 | 404 |
| Service charges on deposit accounts | $929,000 | 1,883 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,214,000 | 1,960 |
| Total noninterest expense | $11,501,000 | 1,600 |
| Salaries and employee benefits | $4,407,000 | 2,285 |
| Premises and equipment expense | $795,000 | 3,096 |
| Additional noninterest expense | $6,299,000 | 895 |
| Pre-tax net operating income | $882,000 | 4,992 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $296,000 | 3,397 |
| Income before extraordinary items | $586,000 | 5,394 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $586,000 | 5,395 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $508,000 | 1,671 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $586,000 | 5,374 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $10,223,000 | 2,931 |
| Total interest expense | $4,676,000 | 2,917 |
| Net interest income | $5,547,000 | 2,951 |
| Provision for loan and lease losses | $150,000 | 3,464 |
| Total noninterest income | $2,050,000 | 1,760 |
| Gross Fiduciary activities income | $608,000 | 473 |
| Service charges on deposit accounts | $532,000 | 2,327 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $910,000 | 1,957 |
| Total noninterest expense | $8,472,000 | 1,611 |
| Salaries and employee benefits | $2,466,000 | 2,963 |
| Premises and equipment expense | $454,000 | 3,814 |
| Additional noninterest expense | $5,552,000 | 762 |
| Pre-tax net operating income | $-1,025,000 | 8,299 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $-335,000 | 8,385 |
| Income before extraordinary items | $-690,000 | 8,226 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-690,000 | 8,223 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $171,000 | 2,169 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-690,000 | 8,218 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,523,000 | 5,751 |
| Total interest expense | $1,056,000 | 5,732 |
| Net interest income | $1,467,000 | 5,627 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $382,000 | 4,135 |
| Gross Fiduciary activities income | $140,000 | 725 |
| Service charges on deposit accounts | $149,000 | 4,099 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $93,000 | 5,248 |
| Total noninterest expense | $5,165,000 | 1,790 |
| Salaries and employee benefits | $610,000 | 5,957 |
| Premises and equipment expense | $125,000 | 6,261 |
| Additional noninterest expense | $4,430,000 | 637 |
| Pre-tax net operating income | $-3,316,000 | 8,582 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-1,020,000 | 8,578 |
| Income before extraordinary items | $-2,296,000 | 8,574 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-2,296,000 | 8,571 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 2,332 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-2,296,000 | 8,563 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $7,417,000 | 1,455 |
| Total interest expense | $3,129,000 | 1,596 |
| Net interest income | $4,288,000 | 1,327 |
| Provision for loan and lease losses | $41,000 | 3,408 |
| Total noninterest income | $1,494,000 | 955 |
| Gross Fiduciary activities income | $458,000 | 296 |
| Service charges on deposit accounts | $494,000 | 874 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $542,000 | 1,286 |
| Total noninterest expense | $3,366,000 | 1,384 |
| Salaries and employee benefits | $1,994,000 | 1,296 |
| Premises and equipment expense | $467,000 | 1,434 |
| Additional noninterest expense | $905,000 | 1,479 |
| Pre-tax net operating income | $2,375,000 | 993 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $803,000 | 861 |
| Income before extraordinary items | $1,572,000 | 1,120 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,572,000 | 1,119 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 1,100 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,572,000 | 1,103 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $28,007,000 | 1,426 |
| Total interest expense | $11,090,000 | 1,521 |
| Net interest income | $16,917,000 | 1,345 |
| Provision for loan and lease losses | $358,000 | 2,484 |
| Total noninterest income | $5,727,000 | 982 |
| Gross Fiduciary activities income | $1,763,000 | 288 |
| Service charges on deposit accounts | $1,569,000 | 1,128 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,395,000 | 1,180 |
| Total noninterest expense | $12,752,000 | 1,397 |
| Salaries and employee benefits | $7,468,000 | 1,308 |
| Premises and equipment expense | $1,696,000 | 1,520 |
| Additional noninterest expense | $3,588,000 | 1,475 |
| Pre-tax net operating income | $9,534,000 | 1,024 |
| Securities gains (losses) | $-30,000 | 7,718 |
| Applicable income taxes | $3,176,000 | 895 |
| Income before extraordinary items | $6,328,000 | 1,169 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $6,328,000 | 1,170 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $211,000 | 2,110 |
| Cash dividends | $3,069,000 | 1,098 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $6,348,100 | 1,151 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $20,544,000 | 1,446 |
| Total interest expense | $8,027,000 | 1,523 |
| Net interest income | $12,517,000 | 1,380 |
| Provision for loan and lease losses | $346,000 | 1,922 |
| Total noninterest income | $4,185,000 | 1,012 |
| Gross Fiduciary activities income | $1,328,000 | 293 |
| Service charges on deposit accounts | $1,161,000 | 1,155 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,696,000 | 1,244 |
| Total noninterest expense | $9,522,000 | 1,420 |
| Salaries and employee benefits | $5,526,000 | 1,340 |
| Premises and equipment expense | $1,256,000 | 1,552 |
| Additional noninterest expense | $2,740,000 | 1,445 |
| Pre-tax net operating income | $6,834,000 | 1,122 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $2,314,000 | 964 |
| Income before extraordinary items | $4,520,000 | 1,250 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $4,520,000 | 1,250 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $95,000 | 2,397 |
| Cash dividends | $2,199,000 | 1,075 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $4,520,000 | 1,235 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $13,232,000 | 1,465 |
| Total interest expense | $5,080,000 | 1,534 |
| Net interest income | $8,152,000 | 1,418 |
| Provision for loan and lease losses | $259,000 | 1,716 |
| Total noninterest income | $2,783,000 | 1,013 |
| Gross Fiduciary activities income | $883,000 | 298 |
| Service charges on deposit accounts | $783,000 | 1,124 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,117,000 | 1,261 |
| Total noninterest expense | $6,337,000 | 1,426 |
| Salaries and employee benefits | $3,649,000 | 1,353 |
| Premises and equipment expense | $852,000 | 1,524 |
| Additional noninterest expense | $1,836,000 | 1,444 |
| Pre-tax net operating income | $4,339,000 | 1,169 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,476,000 | 1,011 |
| Income before extraordinary items | $2,863,000 | 1,309 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,863,000 | 1,311 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 2,906 |
| Cash dividends | $1,383,000 | 1,121 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,863,000 | 1,291 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $6,376,000 | 1,486 |
| Total interest expense | $2,359,000 | 1,552 |
| Net interest income | $4,017,000 | 1,433 |
| Provision for loan and lease losses | $128,000 | 1,658 |
| Total noninterest income | $1,334,000 | 1,026 |
| Gross Fiduciary activities income | $417,000 | 307 |
| Service charges on deposit accounts | $380,000 | 1,138 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $537,000 | 1,273 |
| Total noninterest expense | $3,159,000 | 1,432 |
| Salaries and employee benefits | $1,851,000 | 1,346 |
| Premises and equipment expense | $424,000 | 1,540 |
| Additional noninterest expense | $884,000 | 1,492 |
| Pre-tax net operating income | $2,064,000 | 1,198 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $697,000 | 1,057 |
| Income before extraordinary items | $1,367,000 | 1,342 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,367,000 | 1,341 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 3,102 |
| Cash dividends | $651,000 | 1,076 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,367,000 | 1,323 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $22,490,000 | 1,483 |
| Total interest expense | $7,053,000 | 1,619 |
| Net interest income | $15,437,000 | 1,405 |
| Provision for loan and lease losses | $397,000 | 2,297 |
| Total noninterest income | $5,620,000 | 997 |
| Gross Fiduciary activities income | $1,567,000 | 317 |
| Service charges on deposit accounts | $1,496,000 | 1,189 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,557,000 | 1,141 |
| Total noninterest expense | $11,945,000 | 1,443 |
| Salaries and employee benefits | $6,835,000 | 1,358 |
| Premises and equipment expense | $1,614,000 | 1,511 |
| Additional noninterest expense | $3,496,000 | 1,457 |
| Pre-tax net operating income | $8,715,000 | 1,113 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $2,917,000 | 973 |
| Income before extraordinary items | $5,798,000 | 1,244 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $5,798,000 | 1,244 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $177,000 | 2,472 |
| Cash dividends | $2,833,000 | 1,088 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $5,798,000 | 1,222 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $16,236,000 | 1,500 |
| Total interest expense | $4,961,000 | 1,622 |
| Net interest income | $11,275,000 | 1,425 |
| Provision for loan and lease losses | $300,000 | 2,192 |
| Total noninterest income | $4,098,000 | 1,027 |
| Gross Fiduciary activities income | $1,172,000 | 312 |
| Service charges on deposit accounts | $1,092,000 | 1,207 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,834,000 | 1,189 |
| Total noninterest expense | $8,833,000 | 1,444 |
| Salaries and employee benefits | $5,096,000 | 1,356 |
| Premises and equipment expense | $1,189,000 | 1,528 |
| Additional noninterest expense | $2,548,000 | 1,474 |
| Pre-tax net operating income | $6,240,000 | 1,149 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $2,104,000 | 1,018 |
| Income before extraordinary items | $4,136,000 | 1,309 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,136,000 | 1,309 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 2,801 |
| Cash dividends | $2,016,000 | 1,040 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $4,136,000 | 1,280 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $10,391,000 | 1,524 |
| Total interest expense | $3,071,000 | 1,655 |
| Net interest income | $7,320,000 | 1,453 |
| Provision for loan and lease losses | $194,000 | 2,211 |
| Total noninterest income | $2,769,000 | 993 |
| Gross Fiduciary activities income | $779,000 | 316 |
| Service charges on deposit accounts | $705,000 | 1,209 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,285,000 | 1,118 |
| Total noninterest expense | $5,873,000 | 1,444 |
| Salaries and employee benefits | $3,354,000 | 1,367 |
| Premises and equipment expense | $818,000 | 1,473 |
| Additional noninterest expense | $1,701,000 | 1,468 |
| Pre-tax net operating income | $4,022,000 | 1,157 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,357,000 | 1,036 |
| Income before extraordinary items | $2,665,000 | 1,323 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,665,000 | 1,325 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 3,453 |
| Cash dividends | $1,311,000 | 1,046 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,665,000 | 1,300 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $5,017,000 | 1,558 |
| Total interest expense | $1,436,000 | 1,667 |
| Net interest income | $3,581,000 | 1,478 |
| Provision for loan and lease losses | $94,000 | 2,144 |
| Total noninterest income | $1,332,000 | 998 |
| Gross Fiduciary activities income | $377,000 | 316 |
| Service charges on deposit accounts | $338,000 | 1,213 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $617,000 | 1,152 |
| Total noninterest expense | $2,887,000 | 1,465 |
| Salaries and employee benefits | $1,668,000 | 1,388 |
| Premises and equipment expense | $421,000 | 1,441 |
| Additional noninterest expense | $798,000 | 1,561 |
| Pre-tax net operating income | $1,932,000 | 1,184 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $658,000 | 1,057 |
| Income before extraordinary items | $1,274,000 | 1,357 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,274,000 | 1,359 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 3,609 |
| Cash dividends | $585,000 | 1,078 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,274,000 | 1,325 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $18,434,000 | 1,560 |
| Total interest expense | $4,935,000 | 1,658 |
| Net interest income | $13,499,000 | 1,497 |
| Provision for loan and lease losses | $348,000 | 2,645 |
| Total noninterest income | $5,151,000 | 1,056 |
| Gross Fiduciary activities income | $1,382,000 | 315 |
| Service charges on deposit accounts | $1,399,000 | 1,269 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,370,000 | 1,171 |
| Total noninterest expense | $10,964,000 | 1,490 |
| Salaries and employee benefits | $6,310,000 | 1,401 |
| Premises and equipment expense | $1,463,000 | 1,592 |
| Additional noninterest expense | $3,191,000 | 1,536 |
| Pre-tax net operating income | $7,338,000 | 1,181 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $2,464,000 | 1,062 |
| Income before extraordinary items | $4,874,000 | 1,327 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $4,874,000 | 1,328 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $135,000 | 3,194 |
| Cash dividends | $1,755,000 | 1,516 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $4,874,000 | 1,292 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $13,520,000 | 1,577 |
| Total interest expense | $3,593,000 | 1,680 |
| Net interest income | $9,927,000 | 1,519 |
| Provision for loan and lease losses | $256,000 | 2,542 |
| Total noninterest income | $3,862,000 | 1,064 |
| Gross Fiduciary activities income | $1,042,000 | 322 |
| Service charges on deposit accounts | $1,043,000 | 1,285 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,777,000 | 1,183 |
| Total noninterest expense | $8,126,000 | 1,499 |
| Salaries and employee benefits | $4,725,000 | 1,401 |
| Premises and equipment expense | $1,060,000 | 1,646 |
| Additional noninterest expense | $2,341,000 | 1,554 |
| Pre-tax net operating income | $5,407,000 | 1,217 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $1,837,000 | 1,090 |
| Income before extraordinary items | $3,570,000 | 1,378 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $3,570,000 | 1,379 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $112,000 | 2,660 |
| Cash dividends | $1,755,000 | 1,108 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $3,570,000 | 1,328 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $8,816,000 | 1,600 |
| Total interest expense | $2,332,000 | 1,711 |
| Net interest income | $6,484,000 | 1,530 |
| Provision for loan and lease losses | $168,000 | 2,528 |
| Total noninterest income | $2,607,000 | 1,054 |
| Gross Fiduciary activities income | $688,000 | 326 |
| Service charges on deposit accounts | $699,000 | 1,263 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,220,000 | 1,160 |
| Total noninterest expense | $5,432,000 | 1,497 |
| Salaries and employee benefits | $3,137,000 | 1,400 |
| Premises and equipment expense | $736,000 | 1,570 |
| Additional noninterest expense | $1,559,000 | 1,552 |
| Pre-tax net operating income | $3,491,000 | 1,228 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $1,183,000 | 1,120 |
| Income before extraordinary items | $2,308,000 | 1,405 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,308,000 | 1,406 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 2,878 |
| Cash dividends | $1,200,000 | 1,078 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,308,000 | 1,350 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,359,000 | 1,620 |
| Total interest expense | $1,157,000 | 1,748 |
| Net interest income | $3,202,000 | 1,557 |
| Provision for loan and lease losses | $84,000 | 2,431 |
| Total noninterest income | $1,198,000 | 1,091 |
| Gross Fiduciary activities income | $319,000 | 338 |
| Service charges on deposit accounts | $325,000 | 1,317 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $554,000 | 1,204 |
| Total noninterest expense | $2,644,000 | 1,536 |
| Salaries and employee benefits | $1,511,000 | 1,468 |
| Premises and equipment expense | $381,000 | 1,545 |
| Additional noninterest expense | $752,000 | 1,586 |
| Pre-tax net operating income | $1,672,000 | 1,266 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $566,000 | 1,188 |
| Income before extraordinary items | $1,106,000 | 1,449 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,106,000 | 1,449 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 2,469 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,106,000 | 1,376 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $16,636,000 | 1,718 |
| Total interest expense | $4,734,000 | 1,895 |
| Net interest income | $11,902,000 | 1,630 |
| Provision for loan and lease losses | $444,000 | 2,391 |
| Total noninterest income | $5,636,000 | 1,037 |
| Gross Fiduciary activities income | $1,186,000 | 350 |
| Service charges on deposit accounts | $1,161,000 | 1,480 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $3,289,000 | 1,015 |
| Total noninterest expense | $10,539,000 | 1,515 |
| Salaries and employee benefits | $5,887,000 | 1,457 |
| Premises and equipment expense | $1,447,000 | 1,578 |
| Additional noninterest expense | $3,205,000 | 1,542 |
| Pre-tax net operating income | $6,555,000 | 1,264 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $2,225,000 | 1,181 |
| Income before extraordinary items | $4,330,000 | 1,451 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $4,330,000 | 1,453 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 4,310 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $4,330,000 | 1,389 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $12,374,000 | 1,753 |
| Total interest expense | $3,598,000 | 1,942 |
| Net interest income | $8,776,000 | 1,672 |
| Provision for loan and lease losses | $333,000 | 2,327 |
| Total noninterest income | $4,231,000 | 1,064 |
| Gross Fiduciary activities income | $881,000 | 362 |
| Service charges on deposit accounts | $830,000 | 1,559 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,520,000 | 1,047 |
| Total noninterest expense | $7,875,000 | 1,533 |
| Salaries and employee benefits | $4,451,000 | 1,461 |
| Premises and equipment expense | $1,084,000 | 1,580 |
| Additional noninterest expense | $2,340,000 | 1,571 |
| Pre-tax net operating income | $4,799,000 | 1,347 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $1,607,000 | 1,266 |
| Income before extraordinary items | $3,192,000 | 1,523 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $3,192,000 | 1,523 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 3,923 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $3,192,000 | 1,453 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $8,320,000 | 1,758 |
| Total interest expense | $2,442,000 | 1,970 |
| Net interest income | $5,878,000 | 1,661 |
| Provision for loan and lease losses | $222,000 | 2,331 |
| Total noninterest income | $2,700,000 | 1,088 |
| Gross Fiduciary activities income | $589,000 | 366 |
| Service charges on deposit accounts | $526,000 | 1,604 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,585,000 | 1,091 |
| Total noninterest expense | $5,190,000 | 1,551 |
| Salaries and employee benefits | $2,905,000 | 1,482 |
| Premises and equipment expense | $726,000 | 1,576 |
| Additional noninterest expense | $1,559,000 | 1,553 |
| Pre-tax net operating income | $3,166,000 | 1,352 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $1,077,000 | 1,291 |
| Income before extraordinary items | $2,089,000 | 1,559 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,089,000 | 1,558 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,113 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,089,000 | 1,460 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $4,205,000 | 1,752 |
| Total interest expense | $1,241,000 | 1,987 |
| Net interest income | $2,964,000 | 1,652 |
| Provision for loan and lease losses | $111,000 | 2,191 |
| Total noninterest income | $1,294,000 | 1,093 |
| Gross Fiduciary activities income | $271,000 | 384 |
| Service charges on deposit accounts | $247,000 | 1,651 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $776,000 | 1,075 |
| Total noninterest expense | $2,589,000 | 1,542 |
| Salaries and employee benefits | $1,473,000 | 1,453 |
| Premises and equipment expense | $374,000 | 1,533 |
| Additional noninterest expense | $742,000 | 1,590 |
| Pre-tax net operating income | $1,558,000 | 1,371 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $527,000 | 1,307 |
| Income before extraordinary items | $1,031,000 | 1,560 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,031,000 | 1,559 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,678 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,031,000 | 1,462 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $17,608,000 | 1,749 |
| Total interest expense | $5,830,000 | 1,949 |
| Net interest income | $11,778,000 | 1,644 |
| Provision for loan and lease losses | $408,000 | 2,790 |
| Total noninterest income | $4,392,000 | 1,171 |
| Gross Fiduciary activities income | $1,075,000 | 395 |
| Service charges on deposit accounts | $858,000 | 1,883 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,459,000 | 1,139 |
| Total noninterest expense | $10,090,000 | 1,533 |
| Salaries and employee benefits | $5,414,000 | 1,498 |
| Premises and equipment expense | $1,531,000 | 1,442 |
| Additional noninterest expense | $3,145,000 | 1,505 |
| Pre-tax net operating income | $5,672,000 | 1,462 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,885,000 | 1,350 |
| Income before extraordinary items | $3,787,000 | 1,592 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,787,000 | 1,592 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 4,073 |
| Cash dividends | $900,000 | 2,427 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,787,000 | 1,545 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $18,381,000 | 1,868 |
| Total interest expense | $7,934,000 | 2,031 |
| Net interest income | $10,447,000 | 1,717 |
| Provision for loan and lease losses | $330,000 | 3,018 |
| Total noninterest income | $3,689,000 | 1,262 |
| Gross Fiduciary activities income | $1,016,000 | 419 |
| Service charges on deposit accounts | $691,000 | 2,165 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,982,000 | 1,258 |
| Total noninterest expense | $9,204,000 | 1,591 |
| Salaries and employee benefits | $4,860,000 | 1,552 |
| Premises and equipment expense | $1,433,000 | 1,500 |
| Additional noninterest expense | $2,911,000 | 1,594 |
| Pre-tax net operating income | $4,602,000 | 1,568 |
| Securities gains (losses) | $37,000 | 2,648 |
| Applicable income taxes | $1,564,000 | 1,444 |
| Income before extraordinary items | $3,075,000 | 1,710 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $3,075,000 | 1,712 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $112,000 | 3,871 |
| Cash dividends | $1,526,000 | 1,634 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $3,050,580 | 1,652 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $17,522,000 | 2,009 |
| Total interest expense | $8,138,000 | 2,111 |
| Net interest income | $9,384,000 | 1,877 |
| Provision for loan and lease losses | $300,000 | 2,819 |
| Total noninterest income | $3,348,000 | 1,223 |
| Gross Fiduciary activities income | $979,000 | 426 |
| Service charges on deposit accounts | $658,000 | 2,098 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,711,000 | 1,253 |
| Total noninterest expense | $8,664,000 | 1,619 |
| Salaries and employee benefits | $4,555,000 | 1,557 |
| Premises and equipment expense | $1,302,000 | 1,594 |
| Additional noninterest expense | $2,807,000 | 1,589 |
| Pre-tax net operating income | $3,768,000 | 1,943 |
| Securities gains (losses) | $38,000 | 779 |
| Applicable income taxes | $1,275,000 | 1,730 |
| Income before extraordinary items | $2,531,000 | 2,063 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,531,000 | 2,063 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 5,671 |
| Cash dividends | $1,257,000 | 1,909 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,505,540 | 2,076 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $14,785,000 | 2,207 |
| Total interest expense | $6,331,000 | 2,319 |
| Net interest income | $8,454,000 | 2,083 |
| Provision for loan and lease losses | $300,000 | 2,624 |
| Total noninterest income | $2,843,000 | 1,419 |
| Gross Fiduciary activities income | $828,000 | 506 |
| Service charges on deposit accounts | $583,000 | 2,294 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,432,000 | 1,443 |
| Total noninterest expense | $7,535,000 | 1,839 |
| Salaries and employee benefits | $3,879,000 | 1,792 |
| Premises and equipment expense | $1,095,000 | 1,862 |
| Additional noninterest expense | $2,561,000 | 1,737 |
| Pre-tax net operating income | $3,462,000 | 2,120 |
| Securities gains (losses) | $-36,000 | 9,710 |
| Applicable income taxes | $1,154,000 | 1,983 |
| Income before extraordinary items | $2,272,000 | 2,291 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,272,000 | 2,292 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 3,685 |
| Cash dividends | $1,118,000 | 2,075 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,295,760 | 2,253 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $14,245,000 | 2,288 |
| Total interest expense | $6,400,000 | 2,345 |
| Net interest income | $7,845,000 | 2,175 |
| Provision for loan and lease losses | $360,000 | 2,235 |
| Total noninterest income | $2,522,000 | 1,535 |
| Gross Fiduciary activities income | $662,000 | 552 |
| Service charges on deposit accounts | $516,000 | 2,488 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,344,000 | 1,504 |
| Total noninterest expense | $6,988,000 | 1,860 |
| Salaries and employee benefits | $3,510,000 | 1,893 |
| Premises and equipment expense | $1,140,000 | 1,735 |
| Additional noninterest expense | $2,338,000 | 1,808 |
| Pre-tax net operating income | $3,019,000 | 2,359 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,053,000 | 2,214 |
| Income before extraordinary items | $1,966,000 | 2,593 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,966,000 | 2,594 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 4,805 |
| Cash dividends | $705,000 | 2,827 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,966,000 | 2,519 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $13,140,000 | 2,498 |
| Total interest expense | $5,789,000 | 2,583 |
| Net interest income | $7,351,000 | 2,375 |
| Provision for loan and lease losses | $355,000 | 2,301 |
| Total noninterest income | $1,887,000 | 1,856 |
| Gross Fiduciary activities income | $534,000 | 631 |
| Service charges on deposit accounts | $476,000 | 2,745 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $877,000 | 1,903 |
| Total noninterest expense | $6,452,000 | 2,000 |
| Salaries and employee benefits | $3,121,000 | 2,112 |
| Premises and equipment expense | $1,148,000 | 1,706 |
| Additional noninterest expense | $2,183,000 | 1,945 |
| Pre-tax net operating income | $2,431,000 | 2,980 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $857,000 | 2,779 |
| Income before extraordinary items | $1,574,000 | 3,220 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,574,000 | 3,220 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 4,041 |
| Cash dividends | $701,000 | 2,775 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,574,000 | 3,152 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $11,706,000 | 2,822 |
| Total interest expense | $5,037,000 | 2,976 |
| Net interest income | $6,669,000 | 2,652 |
| Provision for loan and lease losses | $360,000 | 2,253 |
| Total noninterest income | $1,664,000 | 2,130 |
| Gross Fiduciary activities income | $439,000 | 740 |
| Service charges on deposit accounts | $486,000 | 2,783 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $739,000 | 2,211 |
| Total noninterest expense | $5,900,000 | 2,340 |
| Salaries and employee benefits | $2,905,000 | 2,287 |
| Premises and equipment expense | $987,000 | 2,038 |
| Additional noninterest expense | $2,008,000 | 2,445 |
| Pre-tax net operating income | $2,073,000 | 3,321 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $736,000 | 3,069 |
| Income before extraordinary items | $1,337,000 | 3,541 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,337,000 | 3,541 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 5,641 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,337,000 | 3,493 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $10,133,000 | 3,246 |
| Total interest expense | $3,976,000 | 3,702 |
| Net interest income | $6,157,000 | 2,892 |
| Provision for loan and lease losses | $355,000 | 2,047 |
| Total noninterest income | $1,497,000 | 2,285 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $491,000 | 2,770 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,006,000 | 1,795 |
| Total noninterest expense | $5,431,000 | 2,507 |
| Salaries and employee benefits | $2,665,000 | 2,507 |
| Premises and equipment expense | $949,000 | 2,113 |
| Additional noninterest expense | $1,817,000 | 2,613 |
| Pre-tax net operating income | $1,868,000 | 3,711 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $672,000 | 3,358 |
| Income before extraordinary items | $1,196,000 | 3,973 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,196,000 | 3,971 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $180,000 | 2,664 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,196,000 | 3,957 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,160,000 | 4,135 |
| Total interest expense | $2,444,000 | 4,742 |
| Net interest income | $4,716,000 | 3,753 |
| Provision for loan and lease losses | $150,000 | 3,586 |
| Total noninterest income | $1,148,000 | 2,812 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $410,000 | 3,310 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $738,000 | 2,251 |
| Total noninterest expense | $4,854,000 | 2,852 |
| Salaries and employee benefits | $2,366,000 | 2,803 |
| Premises and equipment expense | $870,000 | 2,321 |
| Additional noninterest expense | $1,618,000 | 3,096 |
| Pre-tax net operating income | $860,000 | 6,584 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $307,000 | 5,793 |
| Income before extraordinary items | $553,000 | 6,879 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $553,000 | 6,892 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 7,184 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $553,000 | 6,934 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,919,000 | 5,860 |
| Total interest expense | $1,838,000 | 6,243 |
| Net interest income | $3,081,000 | 5,540 |
| Provision for loan and lease losses | $385,000 | 2,527 |
| Total noninterest income | $1,246,000 | 2,823 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $429,000 | 3,236 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $817,000 | 2,358 |
| Total noninterest expense | $4,676,000 | 3,025 |
| Salaries and employee benefits | $2,166,000 | 3,024 |
| Premises and equipment expense | $840,000 | 2,435 |
| Additional noninterest expense | $1,670,000 | 3,191 |
| Pre-tax net operating income | $-734,000 | 12,919 |
| Securities gains (losses) | $-8,000 | 12,705 |
| Applicable income taxes | $-245,000 | 13,061 |
| Income before extraordinary items | $-497,000 | 12,893 |
| Extraordinary gains, net | $234,000 | 891 |
| Net income | $-263,000 | 12,812 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 7,509 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-491,640 | 12,834 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $727,000 | 13,455 |
| Total interest expense | $364,000 | 13,316 |
| Net interest income | $363,000 | 13,483 |
| Provision for loan and lease losses | $59,000 | 8,714 |
| Total noninterest income | $122,000 | 11,132 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $67,000 | 9,657 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $55,000 | 10,088 |
| Total noninterest expense | $1,139,000 | 9,329 |
| Salaries and employee benefits | $429,000 | 10,530 |
| Premises and equipment expense | $135,000 | 9,539 |
| Additional noninterest expense | $575,000 | 7,731 |
| Pre-tax net operating income | $-713,000 | 13,404 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-713,000 | 13,464 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-713,000 | 13,461 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $9,179,000 | 99 |
| Net operating income | $-713,000 | 13,380 |
* 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.