Home > Farmers and Merchants Bank > Income and Expense
Farmers and Merchants Bank, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $595,000 | 8,217 |
| Total interest expense | $213,000 | 8,164 |
| Net interest income | $382,000 | 8,149 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $20,000 | 8,208 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $11,000 | 7,206 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $9,000 | 7,947 |
| Total noninterest expense | $265,000 | 8,345 |
| Salaries and employee benefits | $109,000 | 8,465 |
| Premises and equipment expense | $32,000 | 8,160 |
| Additional noninterest expense | $124,000 | 7,802 |
| Pre-tax net operating income | $137,000 | 7,042 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $3,000 | 6,009 |
| Income before extraordinary items | $134,000 | 6,871 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $134,000 | 6,871 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $134,000 | 6,857 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $865,000 | 6,652 |
| Total interest expense | $292,000 | 6,967 |
| Net interest income | $573,000 | 6,280 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $25,000 | 7,660 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $16,000 | 6,601 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $9,000 | 7,488 |
| Total noninterest expense | $271,000 | 7,613 |
| Salaries and employee benefits | $146,000 | 7,647 |
| Premises and equipment expense | $39,000 | 7,229 |
| Additional noninterest expense | $86,000 | 7,356 |
| Pre-tax net operating income | $327,000 | 4,458 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $112,000 | 3,120 |
| Income before extraordinary items | $215,000 | 4,894 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $215,000 | 4,895 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $215,000 | 4,870 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $3,150,000 | 6,662 |
| Total interest expense | $941,000 | 7,054 |
| Net interest income | $2,209,000 | 6,329 |
| Provision for loan and lease losses | $50,000 | 5,567 |
| Total noninterest income | $131,000 | 7,460 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $61,000 | 6,711 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $70,000 | 6,859 |
| Total noninterest expense | $1,116,000 | 7,519 |
| Salaries and employee benefits | $638,000 | 7,471 |
| Premises and equipment expense | $155,000 | 7,198 |
| Additional noninterest expense | $323,000 | 7,448 |
| Pre-tax net operating income | $1,174,000 | 4,832 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $408,000 | 3,408 |
| Income before extraordinary items | $766,000 | 5,306 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $766,000 | 5,308 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 3,643 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $766,000 | 5,301 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,298,000 | 6,768 |
| Total interest expense | $678,000 | 7,113 |
| Net interest income | $1,620,000 | 6,445 |
| Provision for loan and lease losses | $50,000 | 5,035 |
| Total noninterest income | $106,000 | 7,448 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $45,000 | 6,821 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $61,000 | 6,658 |
| Total noninterest expense | $760,000 | 7,692 |
| Salaries and employee benefits | $427,000 | 7,673 |
| Premises and equipment expense | $97,000 | 7,511 |
| Additional noninterest expense | $236,000 | 7,502 |
| Pre-tax net operating income | $916,000 | 4,914 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $319,000 | 3,496 |
| Income before extraordinary items | $597,000 | 5,365 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $597,000 | 5,368 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 2,787 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $597,000 | 5,363 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,507,000 | 6,804 |
| Total interest expense | $434,000 | 7,145 |
| Net interest income | $1,073,000 | 6,488 |
| Provision for loan and lease losses | $50,000 | 4,407 |
| Total noninterest income | $50,000 | 7,867 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $29,000 | 6,890 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $21,000 | 7,503 |
| Total noninterest expense | $520,000 | 7,679 |
| Salaries and employee benefits | $292,000 | 7,675 |
| Premises and equipment expense | $69,000 | 7,438 |
| Additional noninterest expense | $159,000 | 7,515 |
| Pre-tax net operating income | $553,000 | 5,186 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $192,000 | 3,667 |
| Income before extraordinary items | $361,000 | 5,614 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $361,000 | 5,615 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 2,092 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $361,000 | 5,615 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $761,000 | 6,755 |
| Total interest expense | $214,000 | 7,106 |
| Net interest income | $547,000 | 6,459 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $19,000 | 8,105 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $14,000 | 6,901 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $5,000 | 8,055 |
| Total noninterest expense | $275,000 | 7,610 |
| Salaries and employee benefits | $148,000 | 7,663 |
| Premises and equipment expense | $41,000 | 7,158 |
| Additional noninterest expense | $86,000 | 7,378 |
| Pre-tax net operating income | $291,000 | 5,039 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $101,000 | 3,578 |
| Income before extraordinary items | $190,000 | 5,460 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $190,000 | 5,460 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 6,875 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $190,000 | 5,459 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,750,000 | 6,796 |
| Total interest expense | $680,000 | 7,096 |
| Net interest income | $2,070,000 | 6,567 |
| Provision for loan and lease losses | $35,000 | 6,101 |
| Total noninterest income | $135,000 | 7,629 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $53,000 | 7,044 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $82,000 | 6,710 |
| Total noninterest expense | $1,087,000 | 7,592 |
| Salaries and employee benefits | $645,000 | 7,462 |
| Premises and equipment expense | $145,000 | 7,330 |
| Additional noninterest expense | $297,000 | 7,674 |
| Pre-tax net operating income | $1,083,000 | 5,149 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $388,000 | 3,746 |
| Income before extraordinary items | $695,000 | 5,683 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $695,000 | 5,686 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 6,118 |
| Cash dividends | $450,000 | 3,808 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $695,000 | 5,661 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,973,000 | 6,904 |
| Total interest expense | $463,000 | 7,229 |
| Net interest income | $1,510,000 | 6,660 |
| Provision for loan and lease losses | $20,000 | 6,139 |
| Total noninterest income | $109,000 | 7,560 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $40,000 | 7,082 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $69,000 | 6,541 |
| Total noninterest expense | $744,000 | 7,737 |
| Salaries and employee benefits | $444,000 | 7,624 |
| Premises and equipment expense | $94,000 | 7,565 |
| Additional noninterest expense | $206,000 | 7,785 |
| Pre-tax net operating income | $855,000 | 5,158 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $313,000 | 3,743 |
| Income before extraordinary items | $542,000 | 5,710 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $542,000 | 5,714 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,608 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $542,000 | 5,672 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,275,000 | 6,940 |
| Total interest expense | $280,000 | 7,316 |
| Net interest income | $995,000 | 6,673 |
| Provision for loan and lease losses | $20,000 | 5,646 |
| Total noninterest income | $57,000 | 7,837 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $25,000 | 7,119 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $32,000 | 7,096 |
| Total noninterest expense | $505,000 | 7,711 |
| Salaries and employee benefits | $292,000 | 7,658 |
| Premises and equipment expense | $74,000 | 7,300 |
| Additional noninterest expense | $139,000 | 7,760 |
| Pre-tax net operating income | $527,000 | 5,342 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $196,000 | 3,819 |
| Income before extraordinary items | $331,000 | 5,911 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $331,000 | 5,915 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,895 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $331,000 | 5,861 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $621,000 | 7,023 |
| Total interest expense | $128,000 | 7,447 |
| Net interest income | $493,000 | 6,747 |
| Provision for loan and lease losses | $20,000 | 4,626 |
| Total noninterest income | $30,000 | 7,797 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $12,000 | 7,169 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $18,000 | 7,012 |
| Total noninterest expense | $262,000 | 7,716 |
| Salaries and employee benefits | $142,000 | 7,765 |
| Premises and equipment expense | $48,000 | 6,855 |
| Additional noninterest expense | $72,000 | 7,752 |
| Pre-tax net operating income | $241,000 | 5,528 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $97,000 | 3,813 |
| Income before extraordinary items | $144,000 | 6,193 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $144,000 | 6,194 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 2,699 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $144,000 | 6,146 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,355,000 | 7,029 |
| Total interest expense | $486,000 | 7,355 |
| Net interest income | $1,869,000 | 6,807 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $110,000 | 7,969 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $49,000 | 7,312 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $61,000 | 7,170 |
| Total noninterest expense | $1,044,000 | 7,728 |
| Salaries and employee benefits | $620,000 | 7,586 |
| Premises and equipment expense | $152,000 | 7,313 |
| Additional noninterest expense | $272,000 | 7,868 |
| Pre-tax net operating income | $935,000 | 5,406 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $341,000 | 3,975 |
| Income before extraordinary items | $594,000 | 5,965 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $594,000 | 5,968 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,855 |
| Cash dividends | $375,000 | 4,013 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $594,000 | 5,902 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,715,000 | 7,122 |
| Total interest expense | $365,000 | 7,372 |
| Net interest income | $1,350,000 | 6,909 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $86,000 | 7,980 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $37,000 | 7,339 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $49,000 | 7,081 |
| Total noninterest expense | $699,000 | 7,917 |
| Salaries and employee benefits | $420,000 | 7,757 |
| Premises and equipment expense | $97,000 | 7,587 |
| Additional noninterest expense | $182,000 | 8,030 |
| Pre-tax net operating income | $737,000 | 5,389 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $272,000 | 3,939 |
| Income before extraordinary items | $465,000 | 5,984 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $465,000 | 5,984 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,881 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $465,000 | 5,909 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,138,000 | 7,168 |
| Total interest expense | $253,000 | 7,374 |
| Net interest income | $885,000 | 6,983 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $42,000 | 8,348 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $25,000 | 7,362 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $17,000 | 7,905 |
| Total noninterest expense | $477,000 | 7,922 |
| Salaries and employee benefits | $278,000 | 7,832 |
| Premises and equipment expense | $74,000 | 7,367 |
| Additional noninterest expense | $125,000 | 8,029 |
| Pre-tax net operating income | $450,000 | 5,574 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $172,000 | 4,025 |
| Income before extraordinary items | $278,000 | 6,214 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $278,000 | 6,215 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,407 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $278,000 | 6,129 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $584,000 | 7,153 |
| Total interest expense | $130,000 | 7,363 |
| Net interest income | $454,000 | 6,953 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $17,000 | 8,538 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $12,000 | 7,382 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $5,000 | 8,313 |
| Total noninterest expense | $245,000 | 7,917 |
| Salaries and employee benefits | $138,000 | 7,872 |
| Premises and equipment expense | $37,000 | 7,419 |
| Additional noninterest expense | $70,000 | 7,888 |
| Pre-tax net operating income | $226,000 | 5,542 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $84,000 | 4,060 |
| Income before extraordinary items | $142,000 | 6,134 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $142,000 | 6,134 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $142,000 | 6,021 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,393,000 | 7,159 |
| Total interest expense | $521,000 | 7,669 |
| Net interest income | $1,872,000 | 6,778 |
| Provision for loan and lease losses | $20,000 | 7,057 |
| Total noninterest income | $119,000 | 8,114 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $56,000 | 7,345 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $63,000 | 7,244 |
| Total noninterest expense | $1,035,000 | 7,801 |
| Salaries and employee benefits | $587,000 | 7,750 |
| Premises and equipment expense | $160,000 | 7,260 |
| Additional noninterest expense | $288,000 | 7,844 |
| Pre-tax net operating income | $936,000 | 5,338 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $315,000 | 4,219 |
| Income before extraordinary items | $621,000 | 5,876 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $621,000 | 5,879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,094 |
| Cash dividends | $375,000 | 4,049 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $621,000 | 5,699 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,780,000 | 7,254 |
| Total interest expense | $395,000 | 7,795 |
| Net interest income | $1,385,000 | 6,862 |
| Provision for loan and lease losses | $20,000 | 6,734 |
| Total noninterest income | $85,000 | 8,225 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $42,000 | 7,400 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $43,000 | 7,425 |
| Total noninterest expense | $714,000 | 7,984 |
| Salaries and employee benefits | $399,000 | 7,938 |
| Premises and equipment expense | $99,000 | 7,650 |
| Additional noninterest expense | $216,000 | 7,855 |
| Pre-tax net operating income | $736,000 | 5,387 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $253,000 | 4,260 |
| Income before extraordinary items | $483,000 | 5,939 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $483,000 | 5,940 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 5,323 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $483,000 | 5,771 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,174,000 | 7,345 |
| Total interest expense | $270,000 | 7,856 |
| Net interest income | $904,000 | 6,936 |
| Provision for loan and lease losses | $20,000 | 6,304 |
| Total noninterest income | $60,000 | 8,151 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $29,000 | 7,375 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $31,000 | 7,275 |
| Total noninterest expense | $471,000 | 8,017 |
| Salaries and employee benefits | $265,000 | 7,966 |
| Premises and equipment expense | $64,000 | 7,719 |
| Additional noninterest expense | $142,000 | 7,878 |
| Pre-tax net operating income | $473,000 | 5,455 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $161,000 | 4,384 |
| Income before extraordinary items | $312,000 | 6,015 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $312,000 | 6,014 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 4,485 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $312,000 | 5,811 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $588,000 | 7,372 |
| Total interest expense | $140,000 | 7,885 |
| Net interest income | $448,000 | 6,976 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $26,000 | 8,331 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $13,000 | 7,452 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $13,000 | 7,569 |
| Total noninterest expense | $239,000 | 8,024 |
| Salaries and employee benefits | $129,000 | 8,056 |
| Premises and equipment expense | $37,000 | 7,479 |
| Additional noninterest expense | $73,000 | 7,858 |
| Pre-tax net operating income | $235,000 | 5,444 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $82,000 | 4,307 |
| Income before extraordinary items | $153,000 | 5,963 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $153,000 | 5,962 |
| 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 | $0 | 419 |
| Net operating income | $153,000 | 5,776 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,640,000 | 7,217 |
| Total interest expense | $796,000 | 7,528 |
| Net interest income | $1,844,000 | 6,873 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $98,000 | 8,423 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $57,000 | 7,406 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $41,000 | 7,847 |
| Total noninterest expense | $1,041,000 | 7,855 |
| Salaries and employee benefits | $539,000 | 7,972 |
| Premises and equipment expense | $189,000 | 6,908 |
| Additional noninterest expense | $313,000 | 7,720 |
| Pre-tax net operating income | $901,000 | 5,485 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $251,000 | 4,754 |
| Income before extraordinary items | $650,000 | 5,756 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $650,000 | 5,755 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,483 |
| Cash dividends | $352,000 | 4,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $650,000 | 5,617 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,022,000 | 7,239 |
| Total interest expense | $1,233,000 | 7,547 |
| Net interest income | $1,789,000 | 6,809 |
| Provision for loan and lease losses | $70,000 | 6,194 |
| Total noninterest income | $49,000 | 9,160 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $53,000 | 7,544 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $-4,000 | 9,565 |
| Total noninterest expense | $960,000 | 8,069 |
| Salaries and employee benefits | $519,000 | 8,083 |
| Premises and equipment expense | $150,000 | 7,511 |
| Additional noninterest expense | $291,000 | 7,930 |
| Pre-tax net operating income | $808,000 | 5,465 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $262,000 | 4,537 |
| Income before extraordinary items | $546,000 | 5,862 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $546,000 | 5,865 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 5,490 |
| Cash dividends | $352,000 | 4,102 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $546,000 | 5,746 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,117,000 | 7,297 |
| Total interest expense | $1,323,000 | 7,531 |
| Net interest income | $1,794,000 | 6,933 |
| Provision for loan and lease losses | $20,000 | 7,595 |
| Total noninterest income | $93,000 | 8,700 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $72,000 | 7,157 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,000 | 8,923 |
| Total noninterest expense | $980,000 | 8,085 |
| Salaries and employee benefits | $539,000 | 8,035 |
| Premises and equipment expense | $161,000 | 7,398 |
| Additional noninterest expense | $280,000 | 8,105 |
| Pre-tax net operating income | $887,000 | 5,590 |
| Securities gains (losses) | $-3,000 | 7,730 |
| Applicable income taxes | $276,000 | 4,760 |
| Income before extraordinary items | $608,000 | 5,799 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $608,000 | 5,797 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 6,934 |
| Cash dividends | $353,000 | 4,182 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $610,070 | 5,807 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,712,000 | 7,696 |
| Total interest expense | $1,116,000 | 7,871 |
| Net interest income | $1,596,000 | 7,398 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $93,000 | 8,937 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $76,000 | 7,217 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 9,383 |
| Total noninterest expense | $910,000 | 8,385 |
| Salaries and employee benefits | $507,000 | 8,309 |
| Premises and equipment expense | $143,000 | 7,784 |
| Additional noninterest expense | $260,000 | 8,465 |
| Pre-tax net operating income | $779,000 | 6,003 |
| Securities gains (losses) | $-14,000 | 9,441 |
| Applicable income taxes | $271,000 | 5,034 |
| Income before extraordinary items | $494,000 | 6,479 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $494,000 | 6,478 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 9,348 |
| Cash dividends | $315,000 | 4,424 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $503,100 | 6,397 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,673,000 | 7,895 |
| Total interest expense | $1,134,000 | 8,065 |
| Net interest income | $1,539,000 | 7,599 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $161,000 | 8,071 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $73,000 | 7,455 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $88,000 | 6,932 |
| Total noninterest expense | $863,000 | 8,557 |
| Salaries and employee benefits | $483,000 | 8,463 |
| Premises and equipment expense | $119,000 | 8,292 |
| Additional noninterest expense | $261,000 | 8,491 |
| Pre-tax net operating income | $837,000 | 5,942 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $341,000 | 4,833 |
| Income before extraordinary items | $496,000 | 6,641 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $496,000 | 6,640 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-61,000 | 10,144 |
| Cash dividends | $300,000 | 4,531 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $496,000 | 6,520 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,570,000 | 8,295 |
| Total interest expense | $1,084,000 | 8,449 |
| Net interest income | $1,486,000 | 8,015 |
| Provision for loan and lease losses | $25,000 | 7,608 |
| Total noninterest income | $84,000 | 9,686 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $68,000 | 7,935 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $16,000 | 10,083 |
| Total noninterest expense | $784,000 | 9,093 |
| Salaries and employee benefits | $462,000 | 8,870 |
| Premises and equipment expense | $75,000 | 9,576 |
| Additional noninterest expense | $247,000 | 8,886 |
| Pre-tax net operating income | $761,000 | 6,723 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $307,000 | 5,662 |
| Income before extraordinary items | $454,000 | 7,274 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $454,000 | 7,277 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 6,314 |
| Cash dividends | $225,000 | 5,132 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $454,000 | 7,225 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,490,000 | 8,707 |
| Total interest expense | $1,042,000 | 8,875 |
| Net interest income | $1,448,000 | 8,392 |
| Provision for loan and lease losses | $20,000 | 7,945 |
| Total noninterest income | $102,000 | 9,859 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $70,000 | 8,274 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $32,000 | 9,747 |
| Total noninterest expense | $840,000 | 9,277 |
| Salaries and employee benefits | $512,000 | 8,781 |
| Premises and equipment expense | $80,000 | 9,811 |
| Additional noninterest expense | $248,000 | 9,418 |
| Pre-tax net operating income | $690,000 | 6,979 |
| Securities gains (losses) | $-5,000 | 9,952 |
| Applicable income taxes | $275,000 | 6,111 |
| Income before extraordinary items | $410,000 | 7,538 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $410,000 | 7,536 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,612 |
| Cash dividends | $180,000 | 5,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $413,200 | 7,457 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,356,000 | 9,176 |
| Total interest expense | $980,000 | 9,325 |
| Net interest income | $1,376,000 | 8,856 |
| Provision for loan and lease losses | $291,000 | 2,343 |
| Total noninterest income | $106,000 | 10,147 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $90,000 | 8,029 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $16,000 | 11,150 |
| Total noninterest expense | $856,000 | 9,526 |
| Salaries and employee benefits | $513,000 | 8,998 |
| Premises and equipment expense | $95,000 | 9,761 |
| Additional noninterest expense | $248,000 | 9,840 |
| Pre-tax net operating income | $335,000 | 9,500 |
| Securities gains (losses) | $-1,000 | 9,017 |
| Applicable income taxes | $125,000 | 8,715 |
| Income before extraordinary items | $209,000 | 9,837 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $209,000 | 9,842 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $310,000 | 1,901 |
| Cash dividends | $180,000 | 5,723 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $209,640 | 9,806 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,129,000 | 9,561 |
| Total interest expense | $815,000 | 9,525 |
| Net interest income | $1,314,000 | 9,417 |
| Provision for loan and lease losses | $405,000 | 1,806 |
| Total noninterest income | $108,000 | 10,558 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $91,000 | 8,334 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 11,641 |
| Total noninterest expense | $837,000 | 10,060 |
| Salaries and employee benefits | $497,000 | 9,418 |
| Premises and equipment expense | $69,000 | 10,998 |
| Additional noninterest expense | $271,000 | 10,291 |
| Pre-tax net operating income | $180,000 | 11,055 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $64,000 | 10,134 |
| Income before extraordinary items | $116,000 | 11,204 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $116,000 | 11,211 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $440,000 | 1,488 |
| Cash dividends | $180,000 | 5,708 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $116,000 | 11,254 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,078,000 | 10,026 |
| Total interest expense | $807,000 | 10,018 |
| Net interest income | $1,271,000 | 9,832 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $138,000 | 10,455 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $93,000 | 8,587 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $45,000 | 10,391 |
| Total noninterest expense | $866,000 | 10,362 |
| Salaries and employee benefits | $501,000 | 9,662 |
| Premises and equipment expense | $83,000 | 11,040 |
| Additional noninterest expense | $282,000 | 10,661 |
| Pre-tax net operating income | $543,000 | 8,351 |
| Securities gains (losses) | $1,000 | 7,052 |
| Applicable income taxes | $207,000 | 7,496 |
| Income before extraordinary items | $337,000 | 9,061 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $337,000 | 9,233 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 8,678 |
| Cash dividends | $180,000 | 5,679 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $336,360 | 8,815 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,161,000 | 10,562 |
| Total interest expense | $966,000 | 10,555 |
| Net interest income | $1,195,000 | 10,341 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $129,000 | 10,953 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $94,000 | 8,698 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $35,000 | 11,401 |
| Total noninterest expense | $849,000 | 10,759 |
| Salaries and employee benefits | $489,000 | 9,880 |
| Premises and equipment expense | $82,000 | 11,425 |
| Additional noninterest expense | $278,000 | 11,152 |
| Pre-tax net operating income | $475,000 | 8,593 |
| Securities gains (losses) | $1,000 | 7,986 |
| Applicable income taxes | $147,000 | 8,689 |
| Income before extraordinary items | $329,000 | 8,940 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $329,000 | 9,085 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-42,000 | 13,414 |
| Cash dividends | $165,000 | 5,533 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $328,310 | 8,600 |
* 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.