Home > Farmers and Merchants Bank > Income and Expense
Farmers and Merchants Bank, Income and Expense
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $3,099,000 | 6,002 |
| Total interest expense | $876,000 | 6,609 |
| Net interest income | $2,223,000 | 5,491 |
| Provision for loan and lease losses | $45,000 | 5,958 |
| Total noninterest income | $577,000 | 4,042 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $393,000 | 2,921 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $184,000 | 4,580 |
| Total noninterest expense | $1,700,000 | 5,888 |
| Salaries and employee benefits | $911,000 | 5,948 |
| Premises and equipment expense | $306,000 | 5,047 |
| Additional noninterest expense | $483,000 | 6,000 |
| Pre-tax net operating income | $1,055,000 | 3,584 |
| Securities gains (losses) | $25,000 | 1,874 |
| Applicable income taxes | $336,000 | 2,338 |
| Income before extraordinary items | $744,000 | 3,702 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $744,000 | 3,701 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 4,913 |
| Cash dividends | $508,000 | 2,707 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $726,750 | 3,888 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,096,000 | 6,040 |
| Total interest expense | $594,000 | 6,705 |
| Net interest income | $1,502,000 | 5,471 |
| Provision for loan and lease losses | $30,000 | 5,577 |
| Total noninterest income | $354,000 | 4,260 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $248,000 | 3,037 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $106,000 | 4,955 |
| Total noninterest expense | $1,153,000 | 5,890 |
| Salaries and employee benefits | $622,000 | 5,945 |
| Premises and equipment expense | $203,000 | 5,100 |
| Additional noninterest expense | $328,000 | 5,935 |
| Pre-tax net operating income | $673,000 | 3,775 |
| Securities gains (losses) | $25,000 | 1,907 |
| Applicable income taxes | $207,000 | 2,649 |
| Income before extraordinary items | $491,000 | 4,065 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $491,000 | 4,066 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 4,590 |
| Cash dividends | $308,000 | 2,916 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $473,500 | 4,066 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,069,000 | 6,062 |
| Total interest expense | $317,000 | 6,735 |
| Net interest income | $752,000 | 5,479 |
| Provision for loan and lease losses | $15,000 | 5,068 |
| Total noninterest income | $165,000 | 4,400 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $113,000 | 3,189 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $52,000 | 4,970 |
| Total noninterest expense | $585,000 | 5,876 |
| Salaries and employee benefits | $318,000 | 5,927 |
| Premises and equipment expense | $99,000 | 5,177 |
| Additional noninterest expense | $168,000 | 5,863 |
| Pre-tax net operating income | $317,000 | 4,022 |
| Securities gains (losses) | $9,000 | 2,013 |
| Applicable income taxes | $109,000 | 2,682 |
| Income before extraordinary items | $217,000 | 4,496 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $217,000 | 4,498 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 3,006 |
| Cash dividends | $283,000 | 1,955 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $210,970 | 4,458 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $4,403,000 | 6,030 |
| Total interest expense | $1,314,000 | 6,702 |
| Net interest income | $3,089,000 | 5,422 |
| Provision for loan and lease losses | $65,000 | 5,403 |
| Total noninterest income | $652,000 | 4,455 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $408,000 | 3,488 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $244,000 | 4,647 |
| Total noninterest expense | $2,190,000 | 5,964 |
| Salaries and employee benefits | $1,187,000 | 6,016 |
| Premises and equipment expense | $401,000 | 5,019 |
| Additional noninterest expense | $602,000 | 6,112 |
| Pre-tax net operating income | $1,486,000 | 3,919 |
| Securities gains (losses) | $-77,000 | 8,093 |
| Applicable income taxes | $490,000 | 2,761 |
| Income before extraordinary items | $919,000 | 4,500 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $919,000 | 4,501 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 4,295 |
| Cash dividends | $300,000 | 4,401 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $969,050 | 4,380 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $3,287,000 | 6,062 |
| Total interest expense | $991,000 | 6,704 |
| Net interest income | $2,296,000 | 5,482 |
| Provision for loan and lease losses | $50,000 | 5,025 |
| Total noninterest income | $499,000 | 4,426 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $302,000 | 3,503 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $197,000 | 4,510 |
| Total noninterest expense | $1,653,000 | 5,921 |
| Salaries and employee benefits | $886,000 | 6,019 |
| Premises and equipment expense | $309,000 | 4,926 |
| Additional noninterest expense | $458,000 | 6,045 |
| Pre-tax net operating income | $1,092,000 | 4,156 |
| Securities gains (losses) | $-79,000 | 8,253 |
| Applicable income taxes | $323,000 | 3,103 |
| Income before extraordinary items | $690,000 | 4,697 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $690,000 | 4,696 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,136 |
| Cash dividends | $300,000 | 3,601 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $743,720 | 4,497 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,157,000 | 6,137 |
| Total interest expense | $664,000 | 6,724 |
| Net interest income | $1,493,000 | 5,563 |
| Provision for loan and lease losses | $35,000 | 4,774 |
| Total noninterest income | $348,000 | 4,334 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $200,000 | 3,521 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $148,000 | 4,332 |
| Total noninterest expense | $1,103,000 | 5,968 |
| Salaries and employee benefits | $592,000 | 6,058 |
| Premises and equipment expense | $214,000 | 4,817 |
| Additional noninterest expense | $297,000 | 6,144 |
| Pre-tax net operating income | $703,000 | 4,303 |
| Securities gains (losses) | $-79,000 | 8,369 |
| Applicable income taxes | $204,000 | 3,239 |
| Income before extraordinary items | $420,000 | 4,955 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $420,000 | 4,954 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 4,346 |
| Cash dividends | $160,000 | 3,874 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $472,930 | 4,675 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,076,000 | 6,143 |
| Total interest expense | $324,000 | 6,785 |
| Net interest income | $752,000 | 5,580 |
| Provision for loan and lease losses | $20,000 | 4,351 |
| Total noninterest income | $199,000 | 4,031 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $105,000 | 3,344 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $94,000 | 3,856 |
| Total noninterest expense | $553,000 | 6,001 |
| Salaries and employee benefits | $301,000 | 6,043 |
| Premises and equipment expense | $112,000 | 4,711 |
| Additional noninterest expense | $140,000 | 6,307 |
| Pre-tax net operating income | $378,000 | 4,127 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $113,000 | 3,106 |
| Income before extraordinary items | $265,000 | 4,435 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $265,000 | 4,437 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 3,481 |
| Cash dividends | $160,000 | 2,653 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $265,000 | 4,422 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $4,175,000 | 6,008 |
| Total interest expense | $1,116,000 | 6,719 |
| Net interest income | $3,059,000 | 5,470 |
| Provision for loan and lease losses | $180,000 | 3,697 |
| Total noninterest income | $573,000 | 4,839 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $413,000 | 3,471 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $160,000 | 5,503 |
| Total noninterest expense | $2,036,000 | 6,115 |
| Salaries and employee benefits | $1,088,000 | 6,194 |
| Premises and equipment expense | $426,000 | 4,727 |
| Additional noninterest expense | $522,000 | 6,439 |
| Pre-tax net operating income | $1,416,000 | 4,424 |
| Securities gains (losses) | $1,000 | 1,542 |
| Applicable income taxes | $494,000 | 3,172 |
| Income before extraordinary items | $923,000 | 4,880 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $923,000 | 4,883 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $189,000 | 2,260 |
| Cash dividends | $300,000 | 4,447 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $922,350 | 4,878 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,084,000 | 6,060 |
| Total interest expense | $800,000 | 6,792 |
| Net interest income | $2,284,000 | 5,519 |
| Provision for loan and lease losses | $135,000 | 3,558 |
| Total noninterest income | $427,000 | 4,870 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $304,000 | 3,538 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $123,000 | 5,486 |
| Total noninterest expense | $1,509,000 | 6,135 |
| Salaries and employee benefits | $806,000 | 6,201 |
| Premises and equipment expense | $324,000 | 4,691 |
| Additional noninterest expense | $379,000 | 6,517 |
| Pre-tax net operating income | $1,067,000 | 4,587 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $420,000 | 3,109 |
| Income before extraordinary items | $647,000 | 5,179 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $647,000 | 5,183 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $120,000 | 2,075 |
| Cash dividends | $300,000 | 3,627 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $647,000 | 5,175 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,027,000 | 6,081 |
| Total interest expense | $500,000 | 6,848 |
| Net interest income | $1,527,000 | 5,532 |
| Provision for loan and lease losses | $90,000 | 3,463 |
| Total noninterest income | $291,000 | 4,820 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $205,000 | 3,488 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $86,000 | 5,447 |
| Total noninterest expense | $1,010,000 | 6,138 |
| Salaries and employee benefits | $538,000 | 6,228 |
| Premises and equipment expense | $223,000 | 4,604 |
| Additional noninterest expense | $249,000 | 6,584 |
| Pre-tax net operating income | $718,000 | 4,573 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $242,000 | 3,352 |
| Income before extraordinary items | $476,000 | 5,007 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $476,000 | 5,012 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 1,954 |
| Cash dividends | $143,000 | 4,060 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $476,000 | 4,996 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $996,000 | 6,103 |
| Total interest expense | $232,000 | 6,931 |
| Net interest income | $764,000 | 5,548 |
| Provision for loan and lease losses | $45,000 | 3,261 |
| Total noninterest income | $143,000 | 4,794 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $103,000 | 3,410 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $40,000 | 5,532 |
| Total noninterest expense | $510,000 | 6,123 |
| Salaries and employee benefits | $270,000 | 6,238 |
| Premises and equipment expense | $117,000 | 4,489 |
| Additional noninterest expense | $123,000 | 6,581 |
| Pre-tax net operating income | $352,000 | 4,568 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $99,000 | 3,605 |
| Income before extraordinary items | $253,000 | 4,833 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $253,000 | 4,833 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,131 |
| Cash dividends | $143,000 | 2,792 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $253,000 | 4,815 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,456,000 | 6,221 |
| Total interest expense | $719,000 | 6,986 |
| Net interest income | $2,737,000 | 5,796 |
| Provision for loan and lease losses | $253,000 | 3,131 |
| Total noninterest income | $652,000 | 4,582 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $464,000 | 3,213 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $188,000 | 5,293 |
| Total noninterest expense | $1,876,000 | 6,313 |
| Salaries and employee benefits | $981,000 | 6,401 |
| Premises and equipment expense | $384,000 | 4,986 |
| Additional noninterest expense | $511,000 | 6,510 |
| Pre-tax net operating income | $1,260,000 | 4,801 |
| Securities gains (losses) | $3,000 | 1,899 |
| Applicable income taxes | $405,000 | 3,680 |
| Income before extraordinary items | $858,000 | 5,193 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $858,000 | 5,195 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $316,000 | 1,656 |
| Cash dividends | $265,000 | 4,585 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $855,960 | 5,168 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,506,000 | 6,313 |
| Total interest expense | $505,000 | 7,057 |
| Net interest income | $2,001,000 | 5,889 |
| Provision for loan and lease losses | $123,000 | 3,842 |
| Total noninterest income | $491,000 | 4,600 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $348,000 | 3,222 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $143,000 | 5,275 |
| Total noninterest expense | $1,391,000 | 6,315 |
| Salaries and employee benefits | $730,000 | 6,422 |
| Premises and equipment expense | $284,000 | 5,014 |
| Additional noninterest expense | $377,000 | 6,535 |
| Pre-tax net operating income | $978,000 | 4,821 |
| Securities gains (losses) | $3,000 | 1,906 |
| Applicable income taxes | $339,000 | 3,581 |
| Income before extraordinary items | $642,000 | 5,291 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $642,000 | 5,294 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $160,000 | 1,945 |
| Cash dividends | $265,000 | 3,704 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $640,050 | 5,269 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,630,000 | 6,332 |
| Total interest expense | $321,000 | 7,056 |
| Net interest income | $1,309,000 | 5,934 |
| Provision for loan and lease losses | $80,000 | 3,732 |
| Total noninterest income | $312,000 | 4,687 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $218,000 | 3,307 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $94,000 | 5,308 |
| Total noninterest expense | $911,000 | 6,363 |
| Salaries and employee benefits | $481,000 | 6,459 |
| Premises and equipment expense | $186,000 | 5,060 |
| Additional noninterest expense | $244,000 | 6,601 |
| Pre-tax net operating income | $630,000 | 4,890 |
| Securities gains (losses) | $3,000 | 1,754 |
| Applicable income taxes | $212,000 | 3,689 |
| Income before extraordinary items | $421,000 | 5,317 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $421,000 | 5,319 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $99,000 | 1,928 |
| Cash dividends | $130,000 | 4,015 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $418,990 | 5,291 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $788,000 | 6,420 |
| Total interest expense | $151,000 | 7,148 |
| Net interest income | $637,000 | 6,035 |
| Provision for loan and lease losses | $25,000 | 4,374 |
| Total noninterest income | $131,000 | 5,062 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $91,000 | 3,658 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $40,000 | 5,645 |
| Total noninterest expense | $445,000 | 6,461 |
| Salaries and employee benefits | $238,000 | 6,517 |
| Premises and equipment expense | $95,000 | 5,050 |
| Additional noninterest expense | $112,000 | 6,862 |
| Pre-tax net operating income | $298,000 | 5,011 |
| Securities gains (losses) | $3,000 | 1,324 |
| Applicable income taxes | $91,000 | 3,922 |
| Income before extraordinary items | $210,000 | 5,300 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $210,000 | 5,301 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 3,869 |
| Cash dividends | $130,000 | 2,698 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $207,900 | 5,295 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,913,000 | 6,520 |
| Total interest expense | $500,000 | 7,308 |
| Net interest income | $2,413,000 | 6,109 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $532,000 | 5,111 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $389,000 | 3,710 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $143,000 | 5,779 |
| Total noninterest expense | $1,742,000 | 6,459 |
| Salaries and employee benefits | $952,000 | 6,439 |
| Premises and equipment expense | $294,000 | 5,730 |
| Additional noninterest expense | $496,000 | 6,557 |
| Pre-tax net operating income | $1,203,000 | 4,796 |
| Securities gains (losses) | $23,000 | 2,306 |
| Applicable income taxes | $370,000 | 3,848 |
| Income before extraordinary items | $856,000 | 5,103 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $856,000 | 5,104 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $209,000 | 2,515 |
| Cash dividends | $65,000 | 5,727 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $839,900 | 5,083 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,143,000 | 6,575 |
| Total interest expense | $363,000 | 7,383 |
| Net interest income | $1,780,000 | 6,164 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $401,000 | 5,122 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $294,000 | 3,715 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $107,000 | 5,792 |
| Total noninterest expense | $1,283,000 | 6,483 |
| Salaries and employee benefits | $701,000 | 6,458 |
| Premises and equipment expense | $222,000 | 5,680 |
| Additional noninterest expense | $360,000 | 6,631 |
| Pre-tax net operating income | $898,000 | 4,889 |
| Securities gains (losses) | $21,000 | 2,274 |
| Applicable income taxes | $271,000 | 3,943 |
| Income before extraordinary items | $648,000 | 5,161 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $648,000 | 5,160 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $208,000 | 1,856 |
| Cash dividends | $65,000 | 4,879 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $633,090 | 5,133 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,412,000 | 6,641 |
| Total interest expense | $239,000 | 7,474 |
| Net interest income | $1,173,000 | 6,219 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $266,000 | 5,121 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $193,000 | 3,732 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $73,000 | 5,776 |
| Total noninterest expense | $864,000 | 6,493 |
| Salaries and employee benefits | $468,000 | 6,507 |
| Premises and equipment expense | $150,000 | 5,660 |
| Additional noninterest expense | $246,000 | 6,586 |
| Pre-tax net operating income | $575,000 | 4,936 |
| Securities gains (losses) | $21,000 | 2,004 |
| Applicable income taxes | $168,000 | 4,062 |
| Income before extraordinary items | $428,000 | 5,137 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $428,000 | 5,137 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $190,000 | 1,429 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $412,880 | 5,162 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $716,000 | 6,643 |
| Total interest expense | $122,000 | 7,488 |
| Net interest income | $594,000 | 6,191 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $130,000 | 5,127 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $93,000 | 3,737 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $37,000 | 5,724 |
| Total noninterest expense | $431,000 | 6,543 |
| Salaries and employee benefits | $234,000 | 6,545 |
| Premises and equipment expense | $78,000 | 5,588 |
| Additional noninterest expense | $119,000 | 6,689 |
| Pre-tax net operating income | $293,000 | 4,862 |
| Securities gains (losses) | $21,000 | 1,679 |
| Applicable income taxes | $104,000 | 3,719 |
| Income before extraordinary items | $210,000 | 5,214 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $210,000 | 5,213 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 3,346 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $195,930 | 5,276 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,760,000 | 6,790 |
| Total interest expense | $634,000 | 7,285 |
| Net interest income | $2,126,000 | 6,388 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $579,000 | 5,059 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $396,000 | 3,668 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $183,000 | 5,464 |
| Total noninterest expense | $1,644,000 | 6,625 |
| Salaries and employee benefits | $861,000 | 6,709 |
| Premises and equipment expense | $284,000 | 5,820 |
| Additional noninterest expense | $499,000 | 6,561 |
| Pre-tax net operating income | $1,061,000 | 5,020 |
| Securities gains (losses) | $40,000 | 2,704 |
| Applicable income taxes | $280,000 | 4,384 |
| Income before extraordinary items | $821,000 | 5,178 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $821,000 | 5,178 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 4,107 |
| Cash dividends | $327,000 | 4,240 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $791,000 | 5,110 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,052,000 | 6,882 |
| Total interest expense | $508,000 | 7,278 |
| Net interest income | $1,544,000 | 6,548 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $421,000 | 5,174 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $303,000 | 3,633 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $118,000 | 5,763 |
| Total noninterest expense | $1,196,000 | 6,712 |
| Salaries and employee benefits | $640,000 | 6,742 |
| Premises and equipment expense | $208,000 | 5,887 |
| Additional noninterest expense | $348,000 | 6,727 |
| Pre-tax net operating income | $769,000 | 5,254 |
| Securities gains (losses) | $40,000 | 2,501 |
| Applicable income taxes | $175,000 | 4,866 |
| Income before extraordinary items | $634,000 | 5,246 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $634,000 | 5,246 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 3,548 |
| Cash dividends | $327,000 | 3,353 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $602,800 | 5,200 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,372,000 | 6,926 |
| Total interest expense | $367,000 | 7,212 |
| Net interest income | $1,005,000 | 6,625 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $286,000 | 5,121 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $210,000 | 3,503 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $76,000 | 5,812 |
| Total noninterest expense | $788,000 | 6,761 |
| Salaries and employee benefits | $428,000 | 6,761 |
| Premises and equipment expense | $135,000 | 5,967 |
| Additional noninterest expense | $225,000 | 6,827 |
| Pre-tax net operating income | $503,000 | 5,290 |
| Securities gains (losses) | $40,000 | 2,170 |
| Applicable income taxes | $109,000 | 5,005 |
| Income before extraordinary items | $434,000 | 5,193 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $434,000 | 5,193 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 2,641 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $402,000 | 5,184 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $712,000 | 6,862 |
| Total interest expense | $200,000 | 7,070 |
| Net interest income | $512,000 | 6,576 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $148,000 | 4,922 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $107,000 | 3,373 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $41,000 | 5,651 |
| Total noninterest expense | $395,000 | 6,758 |
| Salaries and employee benefits | $214,000 | 6,766 |
| Premises and equipment expense | $71,000 | 5,797 |
| Additional noninterest expense | $110,000 | 6,890 |
| Pre-tax net operating income | $265,000 | 5,122 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $71,000 | 4,565 |
| Income before extraordinary items | $194,000 | 5,408 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $194,000 | 5,406 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 2,357 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $194,000 | 5,215 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,491,000 | 6,349 |
| Total interest expense | $1,065,000 | 6,762 |
| Net interest income | $2,426,000 | 6,008 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $526,000 | 5,079 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $403,000 | 3,523 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $123,000 | 6,013 |
| Total noninterest expense | $1,631,000 | 6,603 |
| Salaries and employee benefits | $848,000 | 6,705 |
| Premises and equipment expense | $239,000 | 6,281 |
| Additional noninterest expense | $544,000 | 6,258 |
| Pre-tax net operating income | $1,321,000 | 4,444 |
| Securities gains (losses) | $23,000 | 3,041 |
| Applicable income taxes | $429,000 | 3,751 |
| Income before extraordinary items | $915,000 | 4,834 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $915,000 | 4,834 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $122,000 | 3,848 |
| Cash dividends | $216,000 | 4,799 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $899,360 | 4,758 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,321,000 | 6,086 |
| Total interest expense | $1,898,000 | 6,268 |
| Net interest income | $2,423,000 | 5,820 |
| Provision for loan and lease losses | $2,020,000 | 691 |
| Total noninterest income | $538,000 | 4,863 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $377,000 | 3,568 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $161,000 | 5,396 |
| Total noninterest expense | $1,796,000 | 6,131 |
| Salaries and employee benefits | $942,000 | 6,199 |
| Premises and equipment expense | $284,000 | 5,701 |
| Additional noninterest expense | $570,000 | 6,032 |
| Pre-tax net operating income | $-855,000 | 9,308 |
| Securities gains (losses) | $142,000 | 1,453 |
| Applicable income taxes | $-75,000 | 9,212 |
| Income before extraordinary items | $-638,000 | 9,294 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-638,000 | 9,296 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,600,000 | 677 |
| Cash dividends | $219,000 | 4,881 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-764,380 | 9,303 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,509,000 | 6,085 |
| Total interest expense | $1,851,000 | 6,511 |
| Net interest income | $2,658,000 | 5,591 |
| Provision for loan and lease losses | $42,000 | 6,799 |
| Total noninterest income | $514,000 | 4,846 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $386,000 | 3,337 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $128,000 | 5,852 |
| Total noninterest expense | $1,790,000 | 6,073 |
| Salaries and employee benefits | $981,000 | 5,994 |
| Premises and equipment expense | $274,000 | 5,725 |
| Additional noninterest expense | $535,000 | 6,165 |
| Pre-tax net operating income | $1,340,000 | 4,411 |
| Securities gains (losses) | $5,000 | 1,371 |
| Applicable income taxes | $442,000 | 3,773 |
| Income before extraordinary items | $903,000 | 4,670 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $903,000 | 4,669 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 3,771 |
| Cash dividends | $372,000 | 4,104 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $899,650 | 4,687 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,281,000 | 6,117 |
| Total interest expense | $1,661,000 | 6,616 |
| Net interest income | $2,620,000 | 5,646 |
| Provision for loan and lease losses | $76,000 | 5,754 |
| Total noninterest income | $527,000 | 4,806 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $363,000 | 3,475 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $164,000 | 5,393 |
| Total noninterest expense | $1,756,000 | 6,165 |
| Salaries and employee benefits | $943,000 | 6,124 |
| Premises and equipment expense | $291,000 | 5,562 |
| Additional noninterest expense | $522,000 | 6,348 |
| Pre-tax net operating income | $1,315,000 | 4,482 |
| Securities gains (losses) | $5,000 | 2,145 |
| Applicable income taxes | $416,000 | 4,054 |
| Income before extraordinary items | $904,000 | 4,736 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $904,000 | 4,735 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $162,000 | 2,719 |
| Cash dividends | $875,000 | 2,515 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $900,600 | 4,699 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,264,000 | 6,252 |
| Total interest expense | $1,805,000 | 6,540 |
| Net interest income | $2,459,000 | 5,911 |
| Provision for loan and lease losses | $40,000 | 6,927 |
| Total noninterest income | $508,000 | 4,882 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $343,000 | 3,556 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $165,000 | 5,440 |
| Total noninterest expense | $1,679,000 | 6,267 |
| Salaries and employee benefits | $909,000 | 6,172 |
| Premises and equipment expense | $258,000 | 5,848 |
| Additional noninterest expense | $512,000 | 6,350 |
| Pre-tax net operating income | $1,248,000 | 4,757 |
| Securities gains (losses) | $53,000 | 1,685 |
| Applicable income taxes | $454,000 | 4,107 |
| Income before extraordinary items | $847,000 | 5,006 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $847,000 | 5,006 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $129,000 | 3,206 |
| Cash dividends | $436,000 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $812,550 | 5,059 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,964,000 | 6,693 |
| Total interest expense | $1,576,000 | 7,161 |
| Net interest income | $2,388,000 | 6,232 |
| Provision for loan and lease losses | $67,000 | 5,992 |
| Total noninterest income | $632,000 | 4,274 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $451,000 | 2,885 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $181,000 | 5,198 |
| Total noninterest expense | $1,692,000 | 6,318 |
| Salaries and employee benefits | $872,000 | 6,426 |
| Premises and equipment expense | $262,000 | 5,895 |
| Additional noninterest expense | $558,000 | 6,062 |
| Pre-tax net operating income | $1,261,000 | 5,077 |
| Securities gains (losses) | $-5,000 | 9,661 |
| Applicable income taxes | $429,000 | 4,670 |
| Income before extraordinary items | $827,000 | 5,347 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $827,000 | 5,350 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 7,011 |
| Cash dividends | $338,000 | 4,312 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $830,300 | 5,285 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,565,000 | 7,310 |
| Total interest expense | $1,433,000 | 7,752 |
| Net interest income | $2,132,000 | 6,894 |
| Provision for loan and lease losses | $51,000 | 6,537 |
| Total noninterest income | $614,000 | 4,512 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $431,000 | 3,119 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $183,000 | 5,422 |
| Total noninterest expense | $1,644,000 | 6,727 |
| Salaries and employee benefits | $857,000 | 6,669 |
| Premises and equipment expense | $281,000 | 5,823 |
| Additional noninterest expense | $506,000 | 7,006 |
| Pre-tax net operating income | $1,051,000 | 5,565 |
| Securities gains (losses) | $9,000 | 2,573 |
| Applicable income taxes | $358,000 | 5,249 |
| Income before extraordinary items | $702,000 | 5,754 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $702,000 | 5,755 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 5,513 |
| Cash dividends | $231,000 | 5,141 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $696,060 | 5,716 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,321,000 | 7,774 |
| Total interest expense | $1,321,000 | 8,213 |
| Net interest income | $2,000,000 | 7,312 |
| Provision for loan and lease losses | $28,000 | 7,236 |
| Total noninterest income | $545,000 | 4,879 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $336,000 | 3,909 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $209,000 | 5,004 |
| Total noninterest expense | $1,596,000 | 6,989 |
| Salaries and employee benefits | $792,000 | 7,144 |
| Premises and equipment expense | $271,000 | 6,056 |
| Additional noninterest expense | $533,000 | 7,008 |
| Pre-tax net operating income | $921,000 | 6,318 |
| Securities gains (losses) | $14,000 | 2,143 |
| Applicable income taxes | $322,000 | 5,754 |
| Income before extraordinary items | $613,000 | 6,545 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $613,000 | 6,543 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-46,000 | 11,432 |
| Cash dividends | $324,000 | 4,352 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $603,760 | 6,582 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,745,000 | 8,468 |
| Total interest expense | $1,002,000 | 8,686 |
| Net interest income | $1,743,000 | 8,190 |
| Provision for loan and lease losses | $18,000 | 7,907 |
| Total noninterest income | $456,000 | 5,641 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $326,000 | 4,074 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $130,000 | 6,669 |
| Total noninterest expense | $1,396,000 | 7,928 |
| Salaries and employee benefits | $688,000 | 7,971 |
| Premises and equipment expense | $228,000 | 6,906 |
| Additional noninterest expense | $480,000 | 8,055 |
| Pre-tax net operating income | $785,000 | 6,948 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $265,000 | 6,325 |
| Income before extraordinary items | $520,000 | 7,154 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $520,000 | 7,163 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 11,219 |
| Cash dividends | $167,000 | 5,862 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $520,000 | 7,194 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,502,000 | 9,180 |
| Total interest expense | $945,000 | 9,357 |
| Net interest income | $1,557,000 | 8,924 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $436,000 | 6,130 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $343,000 | 3,962 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $93,000 | 8,112 |
| Total noninterest expense | $1,399,000 | 8,194 |
| Salaries and employee benefits | $583,000 | 8,953 |
| Premises and equipment expense | $212,000 | 7,448 |
| Additional noninterest expense | $604,000 | 7,291 |
| Pre-tax net operating income | $594,000 | 7,988 |
| Securities gains (losses) | $49,000 | 3,427 |
| Applicable income taxes | $159,000 | 8,437 |
| Income before extraordinary items | $484,000 | 7,683 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $484,000 | 7,870 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-56,000 | 12,713 |
| Cash dividends | $158,000 | 5,989 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $447,250 | 7,731 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,660,000 | 9,611 |
| Total interest expense | $1,163,000 | 9,741 |
| Net interest income | $1,497,000 | 9,282 |
| Provision for loan and lease losses | $86,000 | 7,695 |
| Total noninterest income | $433,000 | 6,234 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $362,000 | 3,798 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $71,000 | 9,237 |
| Total noninterest expense | $1,326,000 | 8,573 |
| Salaries and employee benefits | $503,000 | 9,756 |
| Premises and equipment expense | $180,000 | 8,311 |
| Additional noninterest expense | $643,000 | 7,154 |
| Pre-tax net operating income | $518,000 | 8,283 |
| Securities gains (losses) | $-78,000 | 13,749 |
| Applicable income taxes | $7,000 | 12,453 |
| Income before extraordinary items | $433,000 | 7,904 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $433,000 | 8,024 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-57,000 | 13,542 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $509,440 | 6,876 |
* 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.