Home > Farmers and Mechanics Bank > Income and Expense
Farmers and Mechanics Bank, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $29,832,000 | 711 |
| Total interest expense | $13,109,000 | 752 |
| Net interest income | $16,723,000 | 681 |
| Provision for loan and lease losses | $30,000 | 4,873 |
| Total noninterest income | $2,910,000 | 985 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $2,910,000 | 619 |
| Total noninterest expense | $14,928,000 | 628 |
| Salaries and employee benefits | $8,782,000 | 572 |
| Premises and equipment expense | $3,439,000 | 407 |
| Additional noninterest expense | $2,707,000 | 1,034 |
| Pre-tax net operating income | $4,675,000 | 1,022 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $1,850,000 | 779 |
| Income before extraordinary items | $2,825,000 | 1,263 |
| Extraordinary gains, net | $-663,000 | 8,606 |
| Net income | $2,162,000 | 1,610 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,435 |
| Cash dividends | $1,200,000 | 1,328 |
| Sale, conversion, retirement of capital stock, net | $175,000 | 478 |
| Net operating income | $2,825,000 | 1,242 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $14,911,000 | 707 |
| Total interest expense | $6,685,000 | 729 |
| Net interest income | $8,226,000 | 685 |
| Provision for loan and lease losses | $15,000 | 4,592 |
| Total noninterest income | $1,390,000 | 1,009 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $1,390,000 | 635 |
| Total noninterest expense | $7,539,000 | 624 |
| Salaries and employee benefits | $4,484,000 | 567 |
| Premises and equipment expense | $1,764,000 | 401 |
| Additional noninterest expense | $1,291,000 | 1,057 |
| Pre-tax net operating income | $2,062,000 | 1,133 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $804,000 | 859 |
| Income before extraordinary items | $1,258,000 | 1,395 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,258,000 | 1,395 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $1,200,000 | 688 |
| Sale, conversion, retirement of capital stock, net | $130,000 | 303 |
| Net operating income | $1,258,000 | 1,384 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $60,955,000 | 642 |
| Total interest expense | $25,317,000 | 669 |
| Net interest income | $35,638,000 | 632 |
| Provision for loan and lease losses | $330,000 | 2,609 |
| Total noninterest income | $6,837,000 | 852 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $6,837,000 | 543 |
| Total noninterest expense | $31,728,000 | 572 |
| Salaries and employee benefits | $19,130,000 | 496 |
| Premises and equipment expense | $6,803,000 | 390 |
| Additional noninterest expense | $5,795,000 | 920 |
| Pre-tax net operating income | $10,417,000 | 943 |
| Securities gains (losses) | $365,000 | 293 |
| Applicable income taxes | $4,079,000 | 744 |
| Income before extraordinary items | $6,703,000 | 1,115 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $6,703,000 | 1,115 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,021 |
| Cash dividends | $2,400,000 | 1,339 |
| Sale, conversion, retirement of capital stock, net | $165,000 | 795 |
| Net operating income | $6,469,400 | 1,130 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $45,869,000 | 653 |
| Total interest expense | $18,640,000 | 670 |
| Net interest income | $27,229,000 | 634 |
| Provision for loan and lease losses | $270,000 | 2,327 |
| Total noninterest income | $4,785,000 | 914 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $4,785,000 | 577 |
| Total noninterest expense | $23,916,000 | 583 |
| Salaries and employee benefits | $14,474,000 | 507 |
| Premises and equipment expense | $5,092,000 | 394 |
| Additional noninterest expense | $4,350,000 | 914 |
| Pre-tax net operating income | $7,828,000 | 986 |
| Securities gains (losses) | $365,000 | 246 |
| Applicable income taxes | $3,083,000 | 775 |
| Income before extraordinary items | $5,110,000 | 1,130 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $5,110,000 | 1,130 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,412 |
| Cash dividends | $2,400,000 | 990 |
| Sale, conversion, retirement of capital stock, net | $30,000 | 873 |
| Net operating income | $4,876,400 | 1,160 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $30,445,000 | 644 |
| Total interest expense | $12,074,000 | 657 |
| Net interest income | $18,371,000 | 635 |
| Provision for loan and lease losses | $180,000 | 2,262 |
| Total noninterest income | $2,981,000 | 953 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,981,000 | 600 |
| Total noninterest expense | $15,889,000 | 595 |
| Salaries and employee benefits | $9,661,000 | 513 |
| Premises and equipment expense | $3,325,000 | 399 |
| Additional noninterest expense | $2,903,000 | 927 |
| Pre-tax net operating income | $5,283,000 | 975 |
| Securities gains (losses) | $365,000 | 190 |
| Applicable income taxes | $2,156,000 | 752 |
| Income before extraordinary items | $3,492,000 | 1,103 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,492,000 | 1,104 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 4,252 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $30,000 | 700 |
| Net operating income | $3,258,400 | 1,158 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $15,164,000 | 633 |
| Total interest expense | $5,893,000 | 636 |
| Net interest income | $9,271,000 | 623 |
| Provision for loan and lease losses | $90,000 | 2,132 |
| Total noninterest income | $1,411,000 | 979 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,411,000 | 621 |
| Total noninterest expense | $7,944,000 | 583 |
| Salaries and employee benefits | $4,842,000 | 514 |
| Premises and equipment expense | $1,644,000 | 401 |
| Additional noninterest expense | $1,458,000 | 911 |
| Pre-tax net operating income | $2,648,000 | 950 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $1,015,000 | 780 |
| Income before extraordinary items | $1,633,000 | 1,141 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,633,000 | 1,140 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,633,000 | 1,123 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $57,848,000 | 587 |
| Total interest expense | $20,126,000 | 581 |
| Net interest income | $37,722,000 | 592 |
| Provision for loan and lease losses | $360,000 | 2,451 |
| Total noninterest income | $5,483,000 | 1,017 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $5,483,000 | 639 |
| Total noninterest expense | $30,061,000 | 591 |
| Salaries and employee benefits | $18,094,000 | 515 |
| Premises and equipment expense | $6,214,000 | 407 |
| Additional noninterest expense | $5,753,000 | 898 |
| Pre-tax net operating income | $12,784,000 | 777 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $5,142,000 | 623 |
| Income before extraordinary items | $7,642,000 | 940 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $7,642,000 | 940 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 5,230 |
| Cash dividends | $1,200,000 | 2,126 |
| Sale, conversion, retirement of capital stock, net | $213,000 | 639 |
| Net operating income | $7,642,000 | 922 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $42,897,000 | 574 |
| Total interest expense | $14,498,000 | 569 |
| Net interest income | $28,399,000 | 578 |
| Provision for loan and lease losses | $270,000 | 2,383 |
| Total noninterest income | $4,143,000 | 1,017 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $4,143,000 | 631 |
| Total noninterest expense | $22,355,000 | 598 |
| Salaries and employee benefits | $13,429,000 | 510 |
| Premises and equipment expense | $4,682,000 | 401 |
| Additional noninterest expense | $4,244,000 | 896 |
| Pre-tax net operating income | $9,917,000 | 747 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $3,996,000 | 620 |
| Income before extraordinary items | $5,921,000 | 910 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $5,921,000 | 912 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 4,341 |
| Cash dividends | $1,200,000 | 1,558 |
| Sale, conversion, retirement of capital stock, net | $132,000 | 530 |
| Net operating income | $5,921,000 | 893 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $28,311,000 | 567 |
| Total interest expense | $9,438,000 | 548 |
| Net interest income | $18,873,000 | 564 |
| Provision for loan and lease losses | $180,000 | 2,307 |
| Total noninterest income | $2,758,000 | 1,002 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $2,758,000 | 627 |
| Total noninterest expense | $14,779,000 | 598 |
| Salaries and employee benefits | $8,875,000 | 512 |
| Premises and equipment expense | $3,072,000 | 401 |
| Additional noninterest expense | $2,832,000 | 890 |
| Pre-tax net operating income | $6,672,000 | 732 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $2,697,000 | 605 |
| Income before extraordinary items | $3,975,000 | 877 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,975,000 | 877 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 4,194 |
| Cash dividends | $1,200,000 | 1,114 |
| Sale, conversion, retirement of capital stock, net | $128,000 | 406 |
| Net operating income | $3,975,000 | 854 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $14,004,000 | 560 |
| Total interest expense | $4,646,000 | 530 |
| Net interest income | $9,358,000 | 561 |
| Provision for loan and lease losses | $90,000 | 2,180 |
| Total noninterest income | $1,323,000 | 1,000 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,323,000 | 646 |
| Total noninterest expense | $7,384,000 | 598 |
| Salaries and employee benefits | $4,393,000 | 514 |
| Premises and equipment expense | $1,565,000 | 396 |
| Additional noninterest expense | $1,426,000 | 881 |
| Pre-tax net operating income | $3,207,000 | 757 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $1,296,000 | 632 |
| Income before extraordinary items | $1,911,000 | 912 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,911,000 | 912 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 2,584 |
| Cash dividends | $1,200,000 | 551 |
| Sale, conversion, retirement of capital stock, net | $126,000 | 245 |
| Net operating income | $1,911,000 | 892 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $55,759,000 | 528 |
| Total interest expense | $17,367,000 | 483 |
| Net interest income | $38,392,000 | 533 |
| Provision for loan and lease losses | $330,000 | 2,726 |
| Total noninterest income | $5,536,000 | 999 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $5,536,000 | 625 |
| Total noninterest expense | $28,384,000 | 596 |
| Salaries and employee benefits | $16,962,000 | 520 |
| Premises and equipment expense | $5,887,000 | 405 |
| Additional noninterest expense | $5,535,000 | 908 |
| Pre-tax net operating income | $15,214,000 | 608 |
| Securities gains (losses) | $583,000 | 415 |
| Applicable income taxes | $6,342,000 | 509 |
| Income before extraordinary items | $9,455,000 | 708 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $9,455,000 | 709 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,887 |
| Cash dividends | $2,400,000 | 1,171 |
| Sale, conversion, retirement of capital stock, net | $50,000 | 734 |
| Net operating income | $9,081,880 | 704 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $41,374,000 | 523 |
| Total interest expense | $12,790,000 | 480 |
| Net interest income | $28,584,000 | 534 |
| Provision for loan and lease losses | $240,000 | 2,636 |
| Total noninterest income | $4,158,000 | 1,001 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $4,158,000 | 638 |
| Total noninterest expense | $21,071,000 | 605 |
| Salaries and employee benefits | $12,464,000 | 529 |
| Premises and equipment expense | $4,425,000 | 409 |
| Additional noninterest expense | $4,182,000 | 882 |
| Pre-tax net operating income | $11,431,000 | 612 |
| Securities gains (losses) | $434,000 | 457 |
| Applicable income taxes | $4,710,000 | 506 |
| Income before extraordinary items | $7,155,000 | 707 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $7,155,000 | 708 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 8,395 |
| Cash dividends | $2,400,000 | 830 |
| Sale, conversion, retirement of capital stock, net | $38,000 | 618 |
| Net operating income | $6,877,240 | 707 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $27,224,000 | 517 |
| Total interest expense | $8,463,000 | 476 |
| Net interest income | $18,761,000 | 536 |
| Provision for loan and lease losses | $150,000 | 2,691 |
| Total noninterest income | $2,794,000 | 986 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,794,000 | 642 |
| Total noninterest expense | $14,002,000 | 605 |
| Salaries and employee benefits | $8,237,000 | 537 |
| Premises and equipment expense | $2,934,000 | 410 |
| Additional noninterest expense | $2,831,000 | 875 |
| Pre-tax net operating income | $7,403,000 | 617 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $2,937,000 | 527 |
| Income before extraordinary items | $4,466,000 | 745 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $4,466,000 | 745 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 8,426 |
| Cash dividends | $1,200,000 | 1,078 |
| Sale, conversion, retirement of capital stock, net | $38,000 | 509 |
| Net operating income | $4,466,000 | 707 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $13,640,000 | 525 |
| Total interest expense | $4,203,000 | 489 |
| Net interest income | $9,437,000 | 540 |
| Provision for loan and lease losses | $75,000 | 2,550 |
| Total noninterest income | $1,363,000 | 989 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $1,363,000 | 631 |
| Total noninterest expense | $7,029,000 | 608 |
| Salaries and employee benefits | $4,140,000 | 541 |
| Premises and equipment expense | $1,504,000 | 401 |
| Additional noninterest expense | $1,385,000 | 895 |
| Pre-tax net operating income | $3,696,000 | 611 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $1,466,000 | 540 |
| Income before extraordinary items | $2,230,000 | 749 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $2,230,000 | 749 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $1,200,000 | 567 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 405 |
| Net operating income | $2,230,000 | 696 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $50,341,000 | 566 |
| Total interest expense | $18,396,000 | 500 |
| Net interest income | $31,945,000 | 598 |
| Provision for loan and lease losses | $270,000 | 3,394 |
| Total noninterest income | $5,866,000 | 1,001 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $5,866,000 | 677 |
| Total noninterest expense | $26,591,000 | 633 |
| Salaries and employee benefits | $15,576,000 | 564 |
| Premises and equipment expense | $5,918,000 | 404 |
| Additional noninterest expense | $5,097,000 | 1,004 |
| Pre-tax net operating income | $10,950,000 | 790 |
| Securities gains (losses) | $286,000 | 1,074 |
| Applicable income taxes | $4,397,000 | 689 |
| Income before extraordinary items | $6,839,000 | 943 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $6,839,000 | 945 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $181,000 | 3,045 |
| Cash dividends | $2,400,000 | 1,192 |
| Sale, conversion, retirement of capital stock, net | $2,230,000 | 326 |
| Net operating income | $6,655,960 | 914 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $37,064,000 | 587 |
| Total interest expense | $14,118,000 | 508 |
| Net interest income | $22,946,000 | 638 |
| Provision for loan and lease losses | $195,000 | 3,379 |
| Total noninterest income | $4,533,000 | 1,001 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $4,533,000 | 685 |
| Total noninterest expense | $20,204,000 | 640 |
| Salaries and employee benefits | $11,653,000 | 574 |
| Premises and equipment expense | $4,450,000 | 412 |
| Additional noninterest expense | $4,101,000 | 940 |
| Pre-tax net operating income | $7,080,000 | 933 |
| Securities gains (losses) | $286,000 | 999 |
| Applicable income taxes | $2,861,000 | 811 |
| Income before extraordinary items | $4,505,000 | 1,116 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $4,505,000 | 1,116 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $182,000 | 2,319 |
| Cash dividends | $2,400,000 | 878 |
| Sale, conversion, retirement of capital stock, net | $2,230,000 | 229 |
| Net operating income | $4,321,960 | 1,093 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $25,545,000 | 576 |
| Total interest expense | $9,739,000 | 510 |
| Net interest income | $15,806,000 | 614 |
| Provision for loan and lease losses | $120,000 | 3,448 |
| Total noninterest income | $3,175,000 | 961 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $3,175,000 | 652 |
| Total noninterest expense | $13,446,000 | 637 |
| Salaries and employee benefits | $7,764,000 | 570 |
| Premises and equipment expense | $2,935,000 | 417 |
| Additional noninterest expense | $2,747,000 | 923 |
| Pre-tax net operating income | $5,415,000 | 829 |
| Securities gains (losses) | $223,000 | 976 |
| Applicable income taxes | $2,191,000 | 719 |
| Income before extraordinary items | $3,447,000 | 968 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,447,000 | 968 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,737 |
| Cash dividends | $1,200,000 | 1,117 |
| Sale, conversion, retirement of capital stock, net | $205,000 | 328 |
| Net operating income | $3,304,280 | 936 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $13,264,000 | 572 |
| Total interest expense | $5,026,000 | 508 |
| Net interest income | $8,238,000 | 589 |
| Provision for loan and lease losses | $60,000 | 3,248 |
| Total noninterest income | $1,740,000 | 870 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,740,000 | 596 |
| Total noninterest expense | $6,633,000 | 633 |
| Salaries and employee benefits | $3,834,000 | 575 |
| Premises and equipment expense | $1,450,000 | 425 |
| Additional noninterest expense | $1,349,000 | 922 |
| Pre-tax net operating income | $3,285,000 | 697 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $1,281,000 | 638 |
| Income before extraordinary items | $2,004,000 | 845 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,004,000 | 845 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,508 |
| Cash dividends | $1,200,000 | 585 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $2,004,000 | 773 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $57,320,000 | 550 |
| Total interest expense | $23,861,000 | 490 |
| Net interest income | $33,459,000 | 572 |
| Provision for loan and lease losses | $149,000 | 4,975 |
| Total noninterest income | $4,932,000 | 1,069 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $4,932,000 | 699 |
| Total noninterest expense | $24,365,000 | 671 |
| Salaries and employee benefits | $14,227,000 | 575 |
| Premises and equipment expense | $5,077,000 | 460 |
| Additional noninterest expense | $5,061,000 | 987 |
| Pre-tax net operating income | $13,877,000 | 634 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $5,192,000 | 576 |
| Income before extraordinary items | $8,685,000 | 731 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $8,685,000 | 732 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 4,965 |
| Cash dividends | $2,400,000 | 1,132 |
| Sale, conversion, retirement of capital stock, net | $5,001,000 | 161 |
| Net operating income | $8,685,000 | 699 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $54,880,000 | 641 |
| Total interest expense | $28,256,000 | 592 |
| Net interest income | $26,624,000 | 670 |
| Provision for loan and lease losses | $221,000 | 3,912 |
| Total noninterest income | $4,284,000 | 1,128 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $4,284,000 | 736 |
| Total noninterest expense | $21,791,000 | 713 |
| Salaries and employee benefits | $12,546,000 | 614 |
| Premises and equipment expense | $4,950,000 | 464 |
| Additional noninterest expense | $4,295,000 | 1,108 |
| Pre-tax net operating income | $8,896,000 | 854 |
| Securities gains (losses) | $37,000 | 2,648 |
| Applicable income taxes | $3,145,000 | 807 |
| Income before extraordinary items | $5,788,000 | 953 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $5,788,000 | 954 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 5,919 |
| Cash dividends | $2,400,000 | 1,122 |
| Sale, conversion, retirement of capital stock, net | $66,000 | 703 |
| Net operating income | $5,763,950 | 916 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $52,013,000 | 701 |
| Total interest expense | $26,901,000 | 682 |
| Net interest income | $25,112,000 | 706 |
| Provision for loan and lease losses | $240,000 | 3,322 |
| Total noninterest income | $3,308,000 | 1,235 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $3,308,000 | 805 |
| Total noninterest expense | $19,724,000 | 762 |
| Salaries and employee benefits | $11,672,000 | 618 |
| Premises and equipment expense | $4,456,000 | 505 |
| Additional noninterest expense | $3,596,000 | 1,262 |
| Pre-tax net operating income | $8,456,000 | 917 |
| Securities gains (losses) | $1,000 | 1,732 |
| Applicable income taxes | $3,017,000 | 819 |
| Income before extraordinary items | $5,440,000 | 988 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $5,440,000 | 988 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 5,105 |
| Cash dividends | $2,150,000 | 1,277 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $5,439,360 | 984 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $47,124,000 | 732 |
| Total interest expense | $24,246,000 | 675 |
| Net interest income | $22,878,000 | 775 |
| Provision for loan and lease losses | $245,000 | 3,088 |
| Total noninterest income | $3,432,000 | 1,207 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $3,432,000 | 818 |
| Total noninterest expense | $17,568,000 | 836 |
| Salaries and employee benefits | $10,232,000 | 689 |
| Premises and equipment expense | $3,860,000 | 581 |
| Additional noninterest expense | $3,476,000 | 1,327 |
| Pre-tax net operating income | $8,497,000 | 945 |
| Securities gains (losses) | $3,000 | 2,393 |
| Applicable income taxes | $3,063,000 | 869 |
| Income before extraordinary items | $5,437,000 | 1,016 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $5,437,000 | 1,016 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-467,000 | 10,177 |
| Cash dividends | $1,600,000 | 1,596 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $5,435,080 | 1,001 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $46,210,000 | 730 |
| Total interest expense | $24,371,000 | 680 |
| Net interest income | $21,839,000 | 783 |
| Provision for loan and lease losses | $240,000 | 3,065 |
| Total noninterest income | $3,039,000 | 1,332 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $3,039,000 | 891 |
| Total noninterest expense | $15,888,000 | 888 |
| Salaries and employee benefits | $9,030,000 | 746 |
| Premises and equipment expense | $3,317,000 | 645 |
| Additional noninterest expense | $3,541,000 | 1,256 |
| Pre-tax net operating income | $8,750,000 | 900 |
| Securities gains (losses) | $5,000 | 3,437 |
| Applicable income taxes | $3,156,000 | 831 |
| Income before extraordinary items | $5,599,000 | 962 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $5,599,000 | 961 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,598 |
| Cash dividends | $1,600,000 | 1,562 |
| Sale, conversion, retirement of capital stock, net | $326,000 | 620 |
| Net operating income | $5,595,800 | 931 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $40,577,000 | 841 |
| Total interest expense | $20,380,000 | 818 |
| Net interest income | $20,197,000 | 882 |
| Provision for loan and lease losses | $400,000 | 2,088 |
| Total noninterest income | $2,698,000 | 1,388 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $2,698,000 | 907 |
| Total noninterest expense | $13,392,000 | 1,022 |
| Salaries and employee benefits | $7,378,000 | 897 |
| Premises and equipment expense | $2,978,000 | 696 |
| Additional noninterest expense | $3,036,000 | 1,427 |
| Pre-tax net operating income | $9,103,000 | 882 |
| Securities gains (losses) | $12,000 | 2,240 |
| Applicable income taxes | $3,296,000 | 857 |
| Income before extraordinary items | $5,819,000 | 957 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $5,819,000 | 958 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 4,842 |
| Cash dividends | $1,400,000 | 1,703 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 988 |
| Net operating income | $5,811,320 | 925 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $36,588,000 | 959 |
| Total interest expense | $18,481,000 | 909 |
| Net interest income | $18,107,000 | 1,014 |
| Provision for loan and lease losses | $120,000 | 4,568 |
| Total noninterest income | $2,598,000 | 1,504 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $2,598,000 | 970 |
| Total noninterest expense | $15,842,000 | 959 |
| Salaries and employee benefits | $7,087,000 | 957 |
| Premises and equipment expense | $2,786,000 | 780 |
| Additional noninterest expense | $5,969,000 | 992 |
| Pre-tax net operating income | $4,743,000 | 1,527 |
| Securities gains (losses) | $63,000 | 1,196 |
| Applicable income taxes | $1,449,000 | 1,653 |
| Income before extraordinary items | $3,357,000 | 1,468 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $3,357,000 | 1,470 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 3,813 |
| Cash dividends | $1,400,000 | 1,660 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 935 |
| Net operating income | $3,312,900 | 1,458 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $34,892,000 | 1,016 |
| Total interest expense | $17,528,000 | 983 |
| Net interest income | $17,364,000 | 1,059 |
| Provision for loan and lease losses | $120,000 | 4,090 |
| Total noninterest income | $2,534,000 | 1,529 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $2,534,000 | 984 |
| Total noninterest expense | $12,449,000 | 1,181 |
| Salaries and employee benefits | $6,323,000 | 1,086 |
| Premises and equipment expense | $2,295,000 | 938 |
| Additional noninterest expense | $3,831,000 | 1,386 |
| Pre-tax net operating income | $7,329,000 | 1,066 |
| Securities gains (losses) | $9,000 | 2,462 |
| Applicable income taxes | $2,653,000 | 1,001 |
| Income before extraordinary items | $4,685,000 | 1,133 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $4,685,000 | 1,131 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-26,000 | 11,160 |
| Cash dividends | $1,350,000 | 1,621 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $4,679,240 | 1,111 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $31,990,000 | 992 |
| Total interest expense | $15,166,000 | 900 |
| Net interest income | $16,824,000 | 1,096 |
| Provision for loan and lease losses | $66,000 | 5,441 |
| Total noninterest income | $1,798,000 | 1,981 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,798,000 | 1,219 |
| Total noninterest expense | $11,475,000 | 1,290 |
| Salaries and employee benefits | $5,987,000 | 1,127 |
| Premises and equipment expense | $2,128,000 | 1,003 |
| Additional noninterest expense | $3,360,000 | 1,640 |
| Pre-tax net operating income | $7,081,000 | 1,071 |
| Securities gains (losses) | $-106,000 | 11,563 |
| Applicable income taxes | $2,409,000 | 1,031 |
| Income before extraordinary items | $4,566,000 | 1,110 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $4,566,000 | 1,108 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,780 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $5,090,000 | 166 |
| Net operating income | $4,634,900 | 1,101 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $31,164,000 | 1,028 |
| Total interest expense | $16,101,000 | 878 |
| Net interest income | $15,063,000 | 1,209 |
| Provision for loan and lease losses | $602,000 | 1,831 |
| Total noninterest income | $1,555,000 | 2,376 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,555,000 | 1,511 |
| Total noninterest expense | $9,604,000 | 1,577 |
| Salaries and employee benefits | $4,791,000 | 1,408 |
| Premises and equipment expense | $1,708,000 | 1,257 |
| Additional noninterest expense | $3,105,000 | 1,863 |
| Pre-tax net operating income | $6,412,000 | 1,090 |
| Securities gains (losses) | $296,000 | 1,315 |
| Applicable income taxes | $2,453,000 | 1,025 |
| Income before extraordinary items | $4,255,000 | 1,199 |
| Extraordinary gains, net | $-40,000 | 12,653 |
| Net income | $4,215,000 | 1,249 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 8,678 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $109,000 | 875 |
| Net operating income | $4,065,560 | 1,163 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $31,545,000 | 1,162 |
| Total interest expense | $18,848,000 | 958 |
| Net interest income | $12,697,000 | 1,460 |
| Provision for loan and lease losses | $652,000 | 2,486 |
| Total noninterest income | $204,000 | 9,339 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $204,000 | 5,612 |
| Total noninterest expense | $9,056,000 | 1,673 |
| Salaries and employee benefits | $4,167,000 | 1,590 |
| Premises and equipment expense | $1,467,000 | 1,462 |
| Additional noninterest expense | $3,422,000 | 1,786 |
| Pre-tax net operating income | $3,193,000 | 1,948 |
| Securities gains (losses) | $284,000 | 1,586 |
| Applicable income taxes | $1,725,000 | 1,287 |
| Income before extraordinary items | $1,752,000 | 2,627 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,752,000 | 2,665 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 5,646 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $61,000 | 903 |
| Net operating income | $1,570,240 | 2,707 |
* 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.