F&M Bank, Income and Expense
2007-03-31 (YTD Data) | Rank | |
Total interest income | $7,498,000 | 1,440 |
Total interest expense | $3,196,000 | 1,553 |
Net interest income | $4,302,000 | 1,320 |
Provision for loan and lease losses | $175,000 | 1,288 |
Total noninterest income | $835,000 | 1,510 |
Gross Fiduciary activities income | $0 | 1,355 |
Service charges on deposit accounts | $447,000 | 962 |
Trading account gains and fees | $0 | 195 |
Additional Noninterest Income | $388,000 | 1,624 |
Total noninterest expense | $3,833,000 | 1,229 |
Salaries and employee benefits | $2,025,000 | 1,273 |
Premises and equipment expense | $694,000 | 948 |
Additional noninterest expense | $1,114,000 | 1,219 |
Pre-tax net operating income | $1,129,000 | 1,968 |
Securities gains (losses) | $0 | 1,187 |
Applicable income taxes | $351,000 | 1,666 |
Income before extraordinary items | $778,000 | 2,112 |
Extraordinary gains, net | $0 | 22 |
Net income | $778,000 | 2,112 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $139,000 | 938 |
Cash dividends | $0 | 3,942 |
Sale, conversion, retirement of capital stock, net | $130,000 | 303 |
Net operating income | $778,000 | 2,100 |
2006-12-31 (YTD Data) | Rank | |
Total interest income | $27,497,000 | 1,452 |
Total interest expense | $10,850,000 | 1,562 |
Net interest income | $16,647,000 | 1,367 |
Provision for loan and lease losses | $774,000 | 1,309 |
Total noninterest income | $4,078,000 | 1,276 |
Gross Fiduciary activities income | $0 | 1,523 |
Service charges on deposit accounts | $2,056,000 | 860 |
Trading account gains and fees | $0 | 130 |
Additional Noninterest Income | $2,022,000 | 1,340 |
Total noninterest expense | $15,198,000 | 1,187 |
Salaries and employee benefits | $8,125,000 | 1,198 |
Premises and equipment expense | $2,634,000 | 954 |
Additional noninterest expense | $4,439,000 | 1,202 |
Pre-tax net operating income | $4,753,000 | 1,980 |
Securities gains (losses) | $5,000 | 1,264 |
Applicable income taxes | $1,569,000 | 1,585 |
Income before extraordinary items | $3,189,000 | 2,169 |
Extraordinary gains, net | $0 | 51 |
Net income | $3,189,000 | 2,170 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $200,000 | 2,185 |
Cash dividends | $1,790,000 | 1,716 |
Sale, conversion, retirement of capital stock, net | $161,000 | 803 |
Net operating income | $3,185,650 | 2,159 |
2006-09-30 (YTD Data) | Rank | |
Total interest income | $20,074,000 | 1,479 |
Total interest expense | $7,816,000 | 1,572 |
Net interest income | $12,258,000 | 1,412 |
Provision for loan and lease losses | $455,000 | 1,499 |
Total noninterest income | $3,095,000 | 1,288 |
Gross Fiduciary activities income | $0 | 1,468 |
Service charges on deposit accounts | $1,548,000 | 859 |
Trading account gains and fees | $0 | 126 |
Additional Noninterest Income | $1,547,000 | 1,336 |
Total noninterest expense | $10,868,000 | 1,249 |
Salaries and employee benefits | $5,927,000 | 1,245 |
Premises and equipment expense | $1,860,000 | 1,022 |
Additional noninterest expense | $3,081,000 | 1,300 |
Pre-tax net operating income | $4,030,000 | 1,830 |
Securities gains (losses) | $4,000 | 1,079 |
Applicable income taxes | $1,217,000 | 1,635 |
Income before extraordinary items | $2,817,000 | 1,939 |
Extraordinary gains, net | $0 | 45 |
Net income | $2,817,000 | 1,940 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $26,000 | 3,960 |
Cash dividends | $0 | 5,292 |
Sale, conversion, retirement of capital stock, net | $145,000 | 647 |
Net operating income | $2,814,200 | 1,925 |
2006-06-30 (YTD Data) | Rank | |
Total interest income | $12,790,000 | 1,513 |
Total interest expense | $4,854,000 | 1,608 |
Net interest income | $7,936,000 | 1,453 |
Provision for loan and lease losses | $315,000 | 1,403 |
Total noninterest income | $2,074,000 | 1,274 |
Gross Fiduciary activities income | $0 | 1,458 |
Service charges on deposit accounts | $1,011,000 | 860 |
Trading account gains and fees | $0 | 126 |
Additional Noninterest Income | $1,063,000 | 1,299 |
Total noninterest expense | $7,114,000 | 1,283 |
Salaries and employee benefits | $3,859,000 | 1,286 |
Premises and equipment expense | $1,242,000 | 1,018 |
Additional noninterest expense | $2,013,000 | 1,328 |
Pre-tax net operating income | $2,581,000 | 1,899 |
Securities gains (losses) | $0 | 1,185 |
Applicable income taxes | $779,000 | 1,695 |
Income before extraordinary items | $1,802,000 | 2,007 |
Extraordinary gains, net | $0 | 39 |
Net income | $1,802,000 | 2,009 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $61,000 | 2,270 |
Cash dividends | $0 | 5,069 |
Sale, conversion, retirement of capital stock, net | $-101,000 | 8,727 |
Net operating income | $1,802,000 | 1,996 |
2006-03-31 (YTD Data) | Rank | |
Total interest income | $6,104,000 | 1,553 |
Total interest expense | $2,225,000 | 1,661 |
Net interest income | $3,879,000 | 1,482 |
Provision for loan and lease losses | $203,000 | 1,124 |
Total noninterest income | $989,000 | 1,290 |
Gross Fiduciary activities income | $0 | 1,380 |
Service charges on deposit accounts | $485,000 | 868 |
Trading account gains and fees | $0 | 115 |
Additional Noninterest Income | $504,000 | 1,334 |
Total noninterest expense | $3,667,000 | 1,252 |
Salaries and employee benefits | $1,959,000 | 1,266 |
Premises and equipment expense | $653,000 | 968 |
Additional noninterest expense | $1,055,000 | 1,263 |
Pre-tax net operating income | $998,000 | 2,279 |
Securities gains (losses) | $0 | 955 |
Applicable income taxes | $301,000 | 2,024 |
Income before extraordinary items | $697,000 | 2,451 |
Extraordinary gains, net | $0 | 21 |
Net income | $697,000 | 2,453 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $12,000 | 2,805 |
Cash dividends | $0 | 3,943 |
Sale, conversion, retirement of capital stock, net | $-32,000 | 8,736 |
Net operating income | $697,000 | 2,429 |
2005-12-31 (YTD Data) | Rank | |
Total interest income | $20,503,000 | 1,647 |
Total interest expense | $6,161,000 | 1,843 |
Net interest income | $14,342,000 | 1,529 |
Provision for loan and lease losses | $563,000 | 1,733 |
Total noninterest income | $3,928,000 | 1,301 |
Gross Fiduciary activities income | $0 | 1,557 |
Service charges on deposit accounts | $2,070,000 | 835 |
Trading account gains and fees | $0 | 138 |
Additional Noninterest Income | $1,858,000 | 1,424 |
Total noninterest expense | $13,276,000 | 1,299 |
Salaries and employee benefits | $6,798,000 | 1,369 |
Premises and equipment expense | $2,326,000 | 1,029 |
Additional noninterest expense | $4,152,000 | 1,253 |
Pre-tax net operating income | $4,431,000 | 2,056 |
Securities gains (losses) | $0 | 2,296 |
Applicable income taxes | $1,334,000 | 1,853 |
Income before extraordinary items | $3,097,000 | 2,186 |
Extraordinary gains, net | $0 | 46 |
Net income | $3,097,000 | 2,187 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $132,000 | 2,901 |
Cash dividends | $1,625,000 | 1,716 |
Sale, conversion, retirement of capital stock, net | $99,000 | 723 |
Net operating income | $3,097,000 | 2,158 |
2005-09-30 (YTD Data) | Rank | |
Total interest income | $14,780,000 | 1,670 |
Total interest expense | $4,270,000 | 1,865 |
Net interest income | $10,510,000 | 1,545 |
Provision for loan and lease losses | $358,000 | 1,911 |
Total noninterest income | $2,825,000 | 1,350 |
Gross Fiduciary activities income | $0 | 1,504 |
Service charges on deposit accounts | $1,534,000 | 851 |
Trading account gains and fees | $0 | 126 |
Additional Noninterest Income | $1,291,000 | 1,502 |
Total noninterest expense | $9,716,000 | 1,320 |
Salaries and employee benefits | $4,925,000 | 1,408 |
Premises and equipment expense | $1,706,000 | 1,042 |
Additional noninterest expense | $3,085,000 | 1,241 |
Pre-tax net operating income | $3,261,000 | 2,097 |
Securities gains (losses) | $0 | 2,317 |
Applicable income taxes | $968,000 | 1,925 |
Income before extraordinary items | $2,293,000 | 2,231 |
Extraordinary gains, net | $0 | 35 |
Net income | $2,293,000 | 2,230 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $67,000 | 3,080 |
Cash dividends | $0 | 5,317 |
Sale, conversion, retirement of capital stock, net | $99,000 | 567 |
Net operating income | $2,293,000 | 2,193 |
2005-06-30 (YTD Data) | Rank | |
Total interest income | $9,395,000 | 1,702 |
Total interest expense | $2,600,000 | 1,921 |
Net interest income | $6,795,000 | 1,580 |
Provision for loan and lease losses | $252,000 | 1,758 |
Total noninterest income | $1,796,000 | 1,384 |
Gross Fiduciary activities income | $0 | 1,480 |
Service charges on deposit accounts | $983,000 | 872 |
Trading account gains and fees | $0 | 116 |
Additional Noninterest Income | $813,000 | 1,559 |
Total noninterest expense | $6,377,000 | 1,332 |
Salaries and employee benefits | $3,256,000 | 1,415 |
Premises and equipment expense | $1,094,000 | 1,089 |
Additional noninterest expense | $2,027,000 | 1,242 |
Pre-tax net operating income | $1,962,000 | 2,221 |
Securities gains (losses) | $0 | 2,146 |
Applicable income taxes | $582,000 | 2,055 |
Income before extraordinary items | $1,380,000 | 2,362 |
Extraordinary gains, net | $0 | 30 |
Net income | $1,380,000 | 2,362 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $54,000 | 2,636 |
Cash dividends | $0 | 5,072 |
Sale, conversion, retirement of capital stock, net | $0 | 643 |
Net operating income | $1,380,000 | 2,337 |
2005-03-31 (YTD Data) | Rank | |
Total interest income | $4,476,000 | 1,744 |
Total interest expense | $1,242,000 | 1,907 |
Net interest income | $3,234,000 | 1,654 |
Provision for loan and lease losses | $0 | 6,226 |
Total noninterest income | $857,000 | 1,417 |
Gross Fiduciary activities income | $0 | 1,418 |
Service charges on deposit accounts | $457,000 | 904 |
Trading account gains and fees | $0 | 115 |
Additional Noninterest Income | $400,000 | 1,549 |
Total noninterest expense | $3,139,000 | 1,359 |
Salaries and employee benefits | $1,657,000 | 1,394 |
Premises and equipment expense | $533,000 | 1,128 |
Additional noninterest expense | $949,000 | 1,308 |
Pre-tax net operating income | $952,000 | 2,255 |
Securities gains (losses) | $0 | 1,685 |
Applicable income taxes | $283,000 | 2,063 |
Income before extraordinary items | $669,000 | 2,405 |
Extraordinary gains, net | $0 | 24 |
Net income | $669,000 | 2,406 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $33,000 | 2,093 |
Cash dividends | $0 | 3,863 |
Sale, conversion, retirement of capital stock, net | $0 | 491 |
Net operating income | $669,000 | 2,370 |
2004-12-31 (YTD Data) | Rank | |
Total interest income | $17,499,000 | 1,650 |
Total interest expense | $4,108,000 | 1,982 |
Net interest income | $13,391,000 | 1,513 |
Provision for loan and lease losses | $452,000 | 2,136 |
Total noninterest income | $3,236,000 | 1,495 |
Gross Fiduciary activities income | $0 | 1,582 |
Service charges on deposit accounts | $2,005,000 | 869 |
Trading account gains and fees | $0 | 138 |
Additional Noninterest Income | $1,231,000 | 1,872 |
Total noninterest expense | $12,317,000 | 1,333 |
Salaries and employee benefits | $6,400,000 | 1,386 |
Premises and equipment expense | $2,060,000 | 1,115 |
Additional noninterest expense | $3,857,000 | 1,286 |
Pre-tax net operating income | $3,858,000 | 2,115 |
Securities gains (losses) | $-255,000 | 8,828 |
Applicable income taxes | $1,041,000 | 2,090 |
Income before extraordinary items | $2,562,000 | 2,379 |
Extraordinary gains, net | $0 | 34 |
Net income | $2,562,000 | 2,381 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $401,000 | 1,591 |
Cash dividends | $1,487,000 | 1,751 |
Sale, conversion, retirement of capital stock, net | $3,568,000 | 270 |
Net operating income | $2,743,050 | 2,190 |
2004-09-30 (YTD Data) | Rank | |
Total interest income | $12,990,000 | 1,651 |
Total interest expense | $2,985,000 | 2,008 |
Net interest income | $10,005,000 | 1,507 |
Provision for loan and lease losses | $260,000 | 2,516 |
Total noninterest income | $2,449,000 | 1,504 |
Gross Fiduciary activities income | $0 | 1,547 |
Service charges on deposit accounts | $1,525,000 | 859 |
Trading account gains and fees | $0 | 134 |
Additional Noninterest Income | $924,000 | 1,876 |
Total noninterest expense | $8,981,000 | 1,367 |
Salaries and employee benefits | $4,623,000 | 1,433 |
Premises and equipment expense | $1,411,000 | 1,222 |
Additional noninterest expense | $2,947,000 | 1,250 |
Pre-tax net operating income | $3,213,000 | 1,957 |
Securities gains (losses) | $0 | 3,710 |
Applicable income taxes | $960,000 | 1,844 |
Income before extraordinary items | $2,253,000 | 2,083 |
Extraordinary gains, net | $0 | 26 |
Net income | $2,253,000 | 2,084 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $144,000 | 2,320 |
Cash dividends | $0 | 5,363 |
Sale, conversion, retirement of capital stock, net | $-25,000 | 8,957 |
Net operating income | $2,253,000 | 2,026 |
2004-06-30 (YTD Data) | Rank | |
Total interest income | $8,453,000 | 1,662 |
Total interest expense | $1,928,000 | 2,052 |
Net interest income | $6,525,000 | 1,522 |
Provision for loan and lease losses | $210,000 | 2,090 |
Total noninterest income | $1,642,000 | 1,493 |
Gross Fiduciary activities income | $0 | 1,518 |
Service charges on deposit accounts | $1,031,000 | 840 |
Trading account gains and fees | $0 | 130 |
Additional Noninterest Income | $611,000 | 1,901 |
Total noninterest expense | $5,911,000 | 1,378 |
Salaries and employee benefits | $3,018,000 | 1,468 |
Premises and equipment expense | $895,000 | 1,285 |
Additional noninterest expense | $1,998,000 | 1,205 |
Pre-tax net operating income | $2,046,000 | 2,014 |
Securities gains (losses) | $0 | 3,413 |
Applicable income taxes | $613,000 | 1,897 |
Income before extraordinary items | $1,433,000 | 2,153 |
Extraordinary gains, net | $0 | 21 |
Net income | $1,433,000 | 2,154 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $110,000 | 2,047 |
Cash dividends | $0 | 5,087 |
Sale, conversion, retirement of capital stock, net | $0 | 638 |
Net operating income | $1,433,000 | 2,096 |
2004-03-31 (YTD Data) | Rank | |
Total interest income | $4,218,000 | 1,670 |
Total interest expense | $959,000 | 2,084 |
Net interest income | $3,259,000 | 1,525 |
Provision for loan and lease losses | $76,000 | 2,538 |
Total noninterest income | $782,000 | 1,528 |
Gross Fiduciary activities income | $0 | 1,441 |
Service charges on deposit accounts | $503,000 | 843 |
Trading account gains and fees | $0 | 121 |
Additional Noninterest Income | $279,000 | 1,976 |
Total noninterest expense | $2,980,000 | 1,377 |
Salaries and employee benefits | $1,524,000 | 1,454 |
Premises and equipment expense | $459,000 | 1,269 |
Additional noninterest expense | $997,000 | 1,210 |
Pre-tax net operating income | $985,000 | 2,024 |
Securities gains (losses) | $0 | 2,934 |
Applicable income taxes | $294,000 | 1,964 |
Income before extraordinary items | $691,000 | 2,203 |
Extraordinary gains, net | $0 | 16 |
Net income | $691,000 | 2,204 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $21,000 | 2,858 |
Cash dividends | $0 | 3,841 |
Sale, conversion, retirement of capital stock, net | $0 | 464 |
Net operating income | $691,000 | 2,127 |
2003-12-31 (YTD Data) | Rank | |
Total interest income | $17,133,000 | 1,669 |
Total interest expense | $3,853,000 | 2,295 |
Net interest income | $13,280,000 | 1,466 |
Provision for loan and lease losses | $119,000 | 5,068 |
Total noninterest income | $3,779,000 | 1,411 |
Gross Fiduciary activities income | $0 | 1,641 |
Service charges on deposit accounts | $2,228,000 | 772 |
Trading account gains and fees | $0 | 160 |
Additional Noninterest Income | $1,551,000 | 1,777 |
Total noninterest expense | $10,887,000 | 1,470 |
Salaries and employee benefits | $5,600,000 | 1,533 |
Premises and equipment expense | $1,814,000 | 1,246 |
Additional noninterest expense | $3,473,000 | 1,409 |
Pre-tax net operating income | $6,053,000 | 1,363 |
Securities gains (losses) | $0 | 4,500 |
Applicable income taxes | $1,671,000 | 1,477 |
Income before extraordinary items | $4,382,000 | 1,438 |
Extraordinary gains, net | $0 | 54 |
Net income | $4,382,000 | 1,440 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $-159,000 | 9,088 |
Cash dividends | $1,485,000 | 1,753 |
Sale, conversion, retirement of capital stock, net | $4,000 | 848 |
Net operating income | $4,382,000 | 1,379 |
2003-09-30 (YTD Data) | Rank | |
Total interest income | $12,837,000 | 1,700 |
Total interest expense | $2,892,000 | 2,377 |
Net interest income | $9,945,000 | 1,479 |
Provision for loan and lease losses | $317,000 | 2,405 |
Total noninterest income | $2,948,000 | 1,379 |
Gross Fiduciary activities income | $0 | 1,599 |
Service charges on deposit accounts | $1,665,000 | 781 |
Trading account gains and fees | $0 | 153 |
Additional Noninterest Income | $1,283,000 | 1,719 |
Total noninterest expense | $7,919,000 | 1,524 |
Salaries and employee benefits | $4,031,000 | 1,603 |
Premises and equipment expense | $1,298,000 | 1,325 |
Additional noninterest expense | $2,590,000 | 1,424 |
Pre-tax net operating income | $4,657,000 | 1,391 |
Securities gains (losses) | $0 | 4,204 |
Applicable income taxes | $1,286,000 | 1,515 |
Income before extraordinary items | $3,371,000 | 1,457 |
Extraordinary gains, net | $0 | 40 |
Net income | $3,371,000 | 1,457 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $120,000 | 2,955 |
Cash dividends | $0 | 5,519 |
Sale, conversion, retirement of capital stock, net | $4,000 | 695 |
Net operating income | $3,371,000 | 1,375 |
2003-06-30 (YTD Data) | Rank | |
Total interest income | $8,452,000 | 1,734 |
Total interest expense | $1,930,000 | 2,455 |
Net interest income | $6,522,000 | 1,496 |
Provision for loan and lease losses | $77,000 | 4,362 |
Total noninterest income | $1,923,000 | 1,405 |
Gross Fiduciary activities income | $0 | 1,577 |
Service charges on deposit accounts | $1,101,000 | 781 |
Trading account gains and fees | $0 | 150 |
Additional Noninterest Income | $822,000 | 1,745 |
Total noninterest expense | $5,184,000 | 1,553 |
Salaries and employee benefits | $2,640,000 | 1,624 |
Premises and equipment expense | $848,000 | 1,355 |
Additional noninterest expense | $1,696,000 | 1,452 |
Pre-tax net operating income | $3,184,000 | 1,338 |
Securities gains (losses) | $0 | 3,782 |
Applicable income taxes | $837,000 | 1,561 |
Income before extraordinary items | $2,347,000 | 1,405 |
Extraordinary gains, net | $0 | 30 |
Net income | $2,347,000 | 1,405 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $-84,000 | 9,101 |
Cash dividends | $0 | 5,215 |
Sale, conversion, retirement of capital stock, net | $4,000 | 563 |
Net operating income | $2,347,000 | 1,318 |
2003-03-31 (YTD Data) | Rank | |
Total interest income | $4,160,000 | 1,768 |
Total interest expense | $965,000 | 2,510 |
Net interest income | $3,195,000 | 1,524 |
Provision for loan and lease losses | $42,000 | 4,061 |
Total noninterest income | $891,000 | 1,454 |
Gross Fiduciary activities income | $0 | 1,504 |
Service charges on deposit accounts | $515,000 | 802 |
Trading account gains and fees | $0 | 134 |
Additional Noninterest Income | $376,000 | 1,819 |
Total noninterest expense | $2,578,000 | 1,549 |
Salaries and employee benefits | $1,318,000 | 1,616 |
Premises and equipment expense | $418,000 | 1,388 |
Additional noninterest expense | $842,000 | 1,424 |
Pre-tax net operating income | $1,466,000 | 1,458 |
Securities gains (losses) | $0 | 2,891 |
Applicable income taxes | $304,000 | 2,033 |
Income before extraordinary items | $1,162,000 | 1,407 |
Extraordinary gains, net | $0 | 21 |
Net income | $1,162,000 | 1,405 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $9,000 | 4,051 |
Cash dividends | $0 | 3,930 |
Sale, conversion, retirement of capital stock, net | $4,000 | 385 |
Net operating income | $1,162,000 | 1,318 |
2002-12-31 (YTD Data) | Rank | |
Total interest income | $17,427,000 | 1,775 |
Total interest expense | $4,633,000 | 2,397 |
Net interest income | $12,794,000 | 1,513 |
Provision for loan and lease losses | $970,000 | 1,390 |
Total noninterest income | $3,449,000 | 1,406 |
Gross Fiduciary activities income | $0 | 1,713 |
Service charges on deposit accounts | $2,264,000 | 711 |
Trading account gains and fees | $0 | 153 |
Additional Noninterest Income | $1,185,000 | 1,948 |
Total noninterest expense | $9,880,000 | 1,560 |
Salaries and employee benefits | $4,908,000 | 1,639 |
Premises and equipment expense | $1,762,000 | 1,248 |
Additional noninterest expense | $3,210,000 | 1,483 |
Pre-tax net operating income | $5,393,000 | 1,517 |
Securities gains (losses) | $0 | 4,537 |
Applicable income taxes | $1,718,000 | 1,472 |
Income before extraordinary items | $3,675,000 | 1,629 |
Extraordinary gains, net | $0 | 70 |
Net income | $3,675,000 | 1,629 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $753,000 | 1,215 |
Cash dividends | $1,267,000 | 1,867 |
Sale, conversion, retirement of capital stock, net | $2,251,000 | 270 |
Net operating income | $3,675,000 | 1,580 |
2001-12-31 (YTD Data) | Rank | |
Total interest income | $18,471,000 | 1,860 |
Total interest expense | $6,858,000 | 2,333 |
Net interest income | $11,613,000 | 1,531 |
Provision for loan and lease losses | $517,000 | 2,142 |
Total noninterest income | $3,152,000 | 1,424 |
Gross Fiduciary activities income | $0 | 1,731 |
Service charges on deposit accounts | $2,075,000 | 722 |
Trading account gains and fees | $0 | 177 |
Additional Noninterest Income | $1,077,000 | 1,932 |
Total noninterest expense | $9,248,000 | 1,579 |
Salaries and employee benefits | $4,359,000 | 1,724 |
Premises and equipment expense | $1,687,000 | 1,266 |
Additional noninterest expense | $3,202,000 | 1,452 |
Pre-tax net operating income | $5,000,000 | 1,440 |
Securities gains (losses) | $0 | 4,612 |
Applicable income taxes | $1,678,000 | 1,363 |
Income before extraordinary items | $3,322,000 | 1,593 |
Extraordinary gains, net | $0 | 105 |
Net income | $3,322,000 | 1,593 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $291,000 | 2,289 |
Cash dividends | $1,186,000 | 2,010 |
Sale, conversion, retirement of capital stock, net | $0 | 922 |
Net operating income | $3,322,000 | 1,527 |
2000-12-31 (YTD Data) | Rank | |
Total interest income | $18,258,000 | 1,919 |
Total interest expense | $7,899,000 | 2,165 |
Net interest income | $10,359,000 | 1,701 |
Provision for loan and lease losses | $423,000 | 2,177 |
Total noninterest income | $2,069,000 | 1,824 |
Gross Fiduciary activities income | $0 | 1,332 |
Service charges on deposit accounts | $1,144,000 | 1,183 |
Trading account gains and fees | $0 | 180 |
Additional Noninterest Income | $925,000 | 1,954 |
Total noninterest expense | $7,716,000 | 1,804 |
Salaries and employee benefits | $3,967,000 | 1,812 |
Premises and equipment expense | $1,565,000 | 1,305 |
Additional noninterest expense | $2,184,000 | 1,996 |
Pre-tax net operating income | $4,289,000 | 1,710 |
Securities gains (losses) | $0 | 1,956 |
Applicable income taxes | $1,400,000 | 1,599 |
Income before extraordinary items | $2,889,000 | 1,802 |
Extraordinary gains, net | $0 | 38 |
Net income | $2,889,000 | 1,802 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $132,000 | 3,092 |
Cash dividends | $1,017,000 | 2,228 |
Sale, conversion, retirement of capital stock, net | $0 | 969 |
Net operating income | $2,889,000 | 1,805 |
1999-12-31 (YTD Data) | Rank | |
Total interest income | $15,651,000 | 2,085 |
Total interest expense | $5,812,000 | 2,530 |
Net interest income | $9,839,000 | 1,769 |
Provision for loan and lease losses | $381,000 | 2,187 |
Total noninterest income | $1,539,000 | 2,258 |
Gross Fiduciary activities income | $0 | 1,380 |
Service charges on deposit accounts | $973,000 | 1,345 |
Trading account gains and fees | $0 | 173 |
Additional Noninterest Income | $566,000 | 2,727 |
Total noninterest expense | $7,612,000 | 1,816 |
Salaries and employee benefits | $3,902,000 | 1,778 |
Premises and equipment expense | $1,539,000 | 1,317 |
Additional noninterest expense | $2,171,000 | 2,012 |
Pre-tax net operating income | $3,385,000 | 2,170 |
Securities gains (losses) | $0 | 3,155 |
Applicable income taxes | $1,141,000 | 2,003 |
Income before extraordinary items | $2,244,000 | 2,315 |
Extraordinary gains, net | $0 | 35 |
Net income | $2,244,000 | 2,316 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $142,000 | 2,946 |
Cash dividends | $890,000 | 2,490 |
Sale, conversion, retirement of capital stock, net | $-144,000 | 10,105 |
Net operating income | $2,244,000 | 2,291 |
1998-12-31 (YTD Data) | Rank | |
Total interest income | $15,185,000 | 2,147 |
Total interest expense | $5,749,000 | 2,638 |
Net interest income | $9,436,000 | 1,811 |
Provision for loan and lease losses | $404,000 | 2,045 |
Total noninterest income | $1,380,000 | 2,419 |
Gross Fiduciary activities income | $0 | 1,398 |
Service charges on deposit accounts | $900,000 | 1,396 |
Trading account gains and fees | $0 | 224 |
Additional Noninterest Income | $480,000 | 3,056 |
Total noninterest expense | $7,042,000 | 1,841 |
Salaries and employee benefits | $3,646,000 | 1,838 |
Premises and equipment expense | $1,336,000 | 1,470 |
Additional noninterest expense | $2,060,000 | 2,066 |
Pre-tax net operating income | $3,370,000 | 2,137 |
Securities gains (losses) | $0 | 4,449 |
Applicable income taxes | $1,154,000 | 2,061 |
Income before extraordinary items | $2,216,000 | 2,329 |
Extraordinary gains, net | $0 | 32 |
Net income | $2,216,000 | 2,328 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $280,000 | 1,958 |
Cash dividends | $683,000 | 2,896 |
Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
Net operating income | $2,216,000 | 2,254 |
1997-12-31 (YTD Data) | Rank | |
Total interest income | $14,192,000 | 2,298 |
Total interest expense | $5,251,000 | 2,849 |
Net interest income | $8,941,000 | 1,945 |
Provision for loan and lease losses | $634,000 | 1,439 |
Total noninterest income | $1,289,000 | 2,475 |
Gross Fiduciary activities income | $0 | 1,450 |
Service charges on deposit accounts | $871,000 | 1,482 |
Trading account gains and fees | $0 | 239 |
Additional Noninterest Income | $418,000 | 3,199 |
Total noninterest expense | $6,935,000 | 1,865 |
Salaries and employee benefits | $3,376,000 | 1,946 |
Premises and equipment expense | $1,142,000 | 1,721 |
Additional noninterest expense | $2,417,000 | 1,755 |
Pre-tax net operating income | $2,661,000 | 2,762 |
Securities gains (losses) | $0 | 3,944 |
Applicable income taxes | $911,000 | 2,632 |
Income before extraordinary items | $1,750,000 | 2,911 |
Extraordinary gains, net | $0 | 44 |
Net income | $1,750,000 | 2,910 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $577,000 | 1,201 |
Cash dividends | $510,000 | 3,410 |
Sale, conversion, retirement of capital stock, net | $171,000 | 696 |
Net operating income | $1,750,000 | 2,854 |
1996-12-31 (YTD Data) | Rank | |
Total interest income | $13,221,000 | 2,528 |
Total interest expense | $4,896,000 | 3,061 |
Net interest income | $8,325,000 | 2,157 |
Provision for loan and lease losses | $756,000 | 1,249 |
Total noninterest income | $1,132,000 | 2,817 |
Gross Fiduciary activities income | $0 | 1,526 |
Service charges on deposit accounts | $741,000 | 1,831 |
Trading account gains and fees | $0 | 262 |
Additional Noninterest Income | $391,000 | 3,450 |
Total noninterest expense | $6,243,000 | 2,197 |
Salaries and employee benefits | $3,234,000 | 2,058 |
Premises and equipment expense | $987,000 | 2,038 |
Additional noninterest expense | $2,022,000 | 2,425 |
Pre-tax net operating income | $2,458,000 | 2,812 |
Securities gains (losses) | $0 | 4,148 |
Applicable income taxes | $846,000 | 2,707 |
Income before extraordinary items | $1,612,000 | 2,985 |
Extraordinary gains, net | $0 | 53 |
Net income | $1,612,000 | 2,987 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $659,000 | 1,171 |
Cash dividends | $409,000 | 3,828 |
Sale, conversion, retirement of capital stock, net | $178,000 | 594 |
Net operating income | $1,612,000 | 2,945 |
1995-12-31 (YTD Data) | Rank | |
Total interest income | $13,388,000 | 2,502 |
Total interest expense | $4,967,000 | 3,043 |
Net interest income | $8,421,000 | 2,130 |
Provision for loan and lease losses | $817,000 | 1,103 |
Total noninterest income | $1,156,000 | 2,798 |
Gross Fiduciary activities income | $0 | 1,590 |
Service charges on deposit accounts | $763,000 | 1,787 |
Trading account gains and fees | $0 | 522 |
Additional Noninterest Income | $393,000 | 3,342 |
Total noninterest expense | $6,398,000 | 2,151 |
Salaries and employee benefits | $3,191,000 | 2,083 |
Premises and equipment expense | $957,000 | 2,095 |
Additional noninterest expense | $2,250,000 | 2,192 |
Pre-tax net operating income | $2,362,000 | 3,011 |
Securities gains (losses) | $421,000 | 401 |
Applicable income taxes | $982,000 | 2,425 |
Income before extraordinary items | $1,801,000 | 2,742 |
Extraordinary gains, net | $0 | 65 |
Net income | $1,801,000 | 2,742 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $824,000 | 1,005 |
Cash dividends | $403,000 | 3,830 |
Sale, conversion, retirement of capital stock, net | $78,000 | 600 |
Net operating income | $1,527,350 | 3,180 |
1994-12-31 (YTD Data) | Rank | |
Total interest income | $12,338,000 | 2,465 |
Total interest expense | $3,654,000 | 3,332 |
Net interest income | $8,684,000 | 2,079 |
Provision for loan and lease losses | $675,000 | 1,235 |
Total noninterest income | $1,160,000 | 2,794 |
Gross Fiduciary activities income | $0 | 1,599 |
Service charges on deposit accounts | $772,000 | 1,750 |
Trading account gains and fees | $0 | 475 |
Additional Noninterest Income | $388,000 | 3,475 |
Total noninterest expense | $6,586,000 | 2,147 |
Salaries and employee benefits | $3,390,000 | 1,967 |
Premises and equipment expense | $937,000 | 2,154 |
Additional noninterest expense | $2,259,000 | 2,324 |
Pre-tax net operating income | $2,583,000 | 2,743 |
Securities gains (losses) | $0 | 3,600 |
Applicable income taxes | $899,000 | 2,486 |
Income before extraordinary items | $1,684,000 | 2,873 |
Extraordinary gains, net | $0 | 249 |
Net income | $1,684,000 | 2,879 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $582,000 | 1,240 |
Cash dividends | $401,000 | 3,684 |
Sale, conversion, retirement of capital stock, net | $64,000 | 882 |
Net operating income | $1,684,000 | 2,898 |
1993-12-31 (YTD Data) | Rank | |
Total interest income | $12,030,000 | 2,567 |
Total interest expense | $3,560,000 | 3,523 |
Net interest income | $8,470,000 | 2,129 |
Provision for loan and lease losses | $675,000 | 1,706 |
Total noninterest income | $1,515,000 | 2,433 |
Gross Fiduciary activities income | $0 | 1,630 |
Service charges on deposit accounts | $792,000 | 1,730 |
Trading account gains and fees | $0 | 532 |
Additional Noninterest Income | $723,000 | 2,542 |
Total noninterest expense | $6,856,000 | 2,134 |
Salaries and employee benefits | $3,318,000 | 2,011 |
Premises and equipment expense | $907,000 | 2,257 |
Additional noninterest expense | $2,631,000 | 2,117 |
Pre-tax net operating income | $2,454,000 | 2,756 |
Securities gains (losses) | $0 | 7,477 |
Applicable income taxes | $784,000 | 2,800 |
Income before extraordinary items | $1,670,000 | 2,932 |
Extraordinary gains, net | $-114,000 | 12,946 |
Net income | $1,556,000 | 3,225 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $470,000 | 1,836 |
Cash dividends | $398,000 | 3,748 |
Sale, conversion, retirement of capital stock, net | $50,000 | 985 |
Net operating income | $1,670,000 | 2,781 |
1992-12-31 (YTD Data) | Rank | |
Total interest income | $11,877,000 | 2,953 |
Total interest expense | $4,485,000 | 3,658 |
Net interest income | $7,392,000 | 2,451 |
Provision for loan and lease losses | $740,000 | 2,280 |
Total noninterest income | $1,516,000 | 2,374 |
Gross Fiduciary activities income | $0 | 1,658 |
Service charges on deposit accounts | $908,000 | 1,485 |
Trading account gains and fees | $0 | 504 |
Additional Noninterest Income | $608,000 | 2,808 |
Total noninterest expense | $6,289,000 | 2,317 |
Salaries and employee benefits | $3,136,000 | 2,102 |
Premises and equipment expense | $832,000 | 2,481 |
Additional noninterest expense | $2,321,000 | 2,469 |
Pre-tax net operating income | $1,879,000 | 3,298 |
Securities gains (losses) | $0 | 8,369 |
Applicable income taxes | $623,000 | 3,326 |
Income before extraordinary items | $1,256,000 | 3,653 |
Extraordinary gains, net | $0 | 1,422 |
Net income | $1,256,000 | 3,696 |
Minority interest net income | NA | NA |
Net income of bank and minority interests. | NA | NA |
Net charge-offs | $480,000 | 2,526 |
Cash dividends | $198,000 | 5,154 |
Sale, conversion, retirement of capital stock, net | $710,000 | 480 |
Net operating income | $1,256,000 | 3,383 |
* 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.