Home > Farmers and Merchants Bank of Hale > Income and Expense
Farmers and Merchants Bank of Hale, Income and Expense
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $1,243,000 | 8,064 |
| Total interest expense | $536,000 | 7,908 |
| Net interest income | $707,000 | 8,082 |
| Provision for loan and lease losses | $121,000 | 4,611 |
| Total noninterest income | $131,000 | 7,282 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $73,000 | 6,396 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $58,000 | 6,934 |
| Total noninterest expense | $698,000 | 8,095 |
| Salaries and employee benefits | $450,000 | 7,933 |
| Premises and equipment expense | $55,000 | 8,199 |
| Additional noninterest expense | $193,000 | 8,057 |
| Pre-tax net operating income | $19,000 | 7,385 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $2,000 | 5,906 |
| Income before extraordinary items | $17,000 | 7,445 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $17,000 | 7,443 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $184,000 | 2,964 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $17,000 | 7,415 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $926,000 | 8,130 |
| Total interest expense | $403,000 | 7,943 |
| Net interest income | $523,000 | 8,150 |
| Provision for loan and lease losses | $121,000 | 3,844 |
| Total noninterest income | $103,000 | 7,286 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $57,000 | 6,395 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $46,000 | 6,894 |
| Total noninterest expense | $493,000 | 8,129 |
| Salaries and employee benefits | $314,000 | 7,985 |
| Premises and equipment expense | $48,000 | 8,124 |
| Additional noninterest expense | $131,000 | 8,115 |
| Pre-tax net operating income | $12,000 | 7,612 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $2,000 | 6,041 |
| Income before extraordinary items | $10,000 | 7,639 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $10,000 | 7,636 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $186,000 | 2,064 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $10,000 | 7,623 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $633,000 | 8,165 |
| Total interest expense | $267,000 | 7,994 |
| Net interest income | $366,000 | 8,181 |
| Provision for loan and lease losses | $121,000 | 2,953 |
| Total noninterest income | $70,000 | 7,304 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $39,000 | 6,398 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $31,000 | 6,942 |
| Total noninterest expense | $331,000 | 8,170 |
| Salaries and employee benefits | $208,000 | 8,047 |
| Premises and equipment expense | $32,000 | 8,160 |
| Additional noninterest expense | $91,000 | 8,136 |
| Pre-tax net operating income | $-16,000 | 7,819 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $-16,000 | 7,832 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-16,000 | 7,831 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $189,000 | 1,401 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-16,000 | 7,821 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $288,000 | 8,290 |
| Total interest expense | $131,000 | 8,045 |
| Net interest income | $157,000 | 8,341 |
| Provision for loan and lease losses | $41,000 | 3,408 |
| Total noninterest income | $30,000 | 7,460 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $20,000 | 6,360 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $10,000 | 7,401 |
| Total noninterest expense | $158,000 | 8,254 |
| Salaries and employee benefits | $102,000 | 8,105 |
| Premises and equipment expense | $15,000 | 8,211 |
| Additional noninterest expense | $41,000 | 8,258 |
| Pre-tax net operating income | $-12,000 | 7,911 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $-12,000 | 7,924 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-12,000 | 7,923 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 1,454 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-12,000 | 7,911 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,126,000 | 8,189 |
| Total interest expense | $473,000 | 7,971 |
| Net interest income | $653,000 | 8,259 |
| Provision for loan and lease losses | $50,000 | 5,567 |
| Total noninterest income | $143,000 | 7,360 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $92,000 | 6,259 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $51,000 | 7,226 |
| Total noninterest expense | $648,000 | 8,251 |
| Salaries and employee benefits | $373,000 | 8,214 |
| Premises and equipment expense | $64,000 | 8,204 |
| Additional noninterest expense | $211,000 | 8,057 |
| Pre-tax net operating income | $98,000 | 7,716 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $98,000 | 7,685 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $98,000 | 7,687 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 4,423 |
| Cash dividends | $46,000 | 5,731 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $98,000 | 7,674 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $842,000 | 8,255 |
| Total interest expense | $341,000 | 8,033 |
| Net interest income | $501,000 | 8,318 |
| Provision for loan and lease losses | $39,000 | 5,442 |
| Total noninterest income | $110,000 | 7,390 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $70,000 | 6,319 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $40,000 | 7,204 |
| Total noninterest expense | $437,000 | 8,367 |
| Salaries and employee benefits | $254,000 | 8,304 |
| Premises and equipment expense | $45,000 | 8,304 |
| Additional noninterest expense | $138,000 | 8,230 |
| Pre-tax net operating income | $135,000 | 7,692 |
| Securities gains (losses) | $1,000 | 1,261 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $136,000 | 7,553 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $136,000 | 7,555 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 3,575 |
| Cash dividends | $16,000 | 5,210 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $135,000 | 7,557 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $544,000 | 8,327 |
| Total interest expense | $224,000 | 8,050 |
| Net interest income | $320,000 | 8,409 |
| Provision for loan and lease losses | $19,000 | 5,586 |
| Total noninterest income | $74,000 | 7,429 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $47,000 | 6,322 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $27,000 | 7,238 |
| Total noninterest expense | $288,000 | 8,412 |
| Salaries and employee benefits | $170,000 | 8,353 |
| Premises and equipment expense | $25,000 | 8,440 |
| Additional noninterest expense | $93,000 | 8,237 |
| Pre-tax net operating income | $87,000 | 7,767 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $87,000 | 7,632 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $87,000 | 7,633 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 3,889 |
| Cash dividends | $16,000 | 4,993 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $87,000 | 7,640 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $263,000 | 8,366 |
| Total interest expense | $104,000 | 8,100 |
| Net interest income | $159,000 | 8,438 |
| Provision for loan and lease losses | $11,000 | 5,192 |
| Total noninterest income | $34,000 | 7,527 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $22,000 | 6,377 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $12,000 | 7,358 |
| Total noninterest expense | $145,000 | 8,429 |
| Salaries and employee benefits | $89,000 | 8,325 |
| Premises and equipment expense | $9,000 | 8,564 |
| Additional noninterest expense | $47,000 | 8,233 |
| Pre-tax net operating income | $37,000 | 7,846 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $1,000 | 6,453 |
| Income before extraordinary items | $36,000 | 7,754 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $36,000 | 7,754 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 2,748 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $36,000 | 7,753 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $980,000 | 8,341 |
| Total interest expense | $357,000 | 8,030 |
| Net interest income | $623,000 | 8,424 |
| Provision for loan and lease losses | $39,000 | 6,015 |
| Total noninterest income | $133,000 | 7,643 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $73,000 | 6,700 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $60,000 | 7,171 |
| Total noninterest expense | $610,000 | 8,410 |
| Salaries and employee benefits | $346,000 | 8,370 |
| Premises and equipment expense | $47,000 | 8,500 |
| Additional noninterest expense | $217,000 | 8,128 |
| Pre-tax net operating income | $107,000 | 7,977 |
| Securities gains (losses) | $-3,000 | 7,152 |
| Applicable income taxes | $1,000 | 6,850 |
| Income before extraordinary items | $103,000 | 7,972 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $103,000 | 7,972 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 5,191 |
| Cash dividends | $30,000 | 5,872 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $105,970 | 7,926 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $725,000 | 8,387 |
| Total interest expense | $256,000 | 8,070 |
| Net interest income | $469,000 | 8,465 |
| Provision for loan and lease losses | $34,000 | 5,724 |
| Total noninterest income | $97,000 | 7,713 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $52,000 | 6,812 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $45,000 | 7,190 |
| Total noninterest expense | $422,000 | 8,473 |
| Salaries and employee benefits | $237,000 | 8,438 |
| Premises and equipment expense | $37,000 | 8,482 |
| Additional noninterest expense | $148,000 | 8,230 |
| Pre-tax net operating income | $110,000 | 7,980 |
| Securities gains (losses) | $-3,000 | 7,524 |
| Applicable income taxes | $1,000 | 6,867 |
| Income before extraordinary items | $106,000 | 7,920 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $106,000 | 7,921 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 5,184 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $108,970 | 7,885 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $469,000 | 8,416 |
| Total interest expense | $161,000 | 8,105 |
| Net interest income | $308,000 | 8,490 |
| Provision for loan and lease losses | $18,000 | 5,733 |
| Total noninterest income | $66,000 | 7,670 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $35,000 | 6,780 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $31,000 | 7,144 |
| Total noninterest expense | $282,000 | 8,474 |
| Salaries and employee benefits | $156,000 | 8,460 |
| Premises and equipment expense | $29,000 | 8,382 |
| Additional noninterest expense | $97,000 | 8,240 |
| Pre-tax net operating income | $74,000 | 8,010 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,000 | 6,848 |
| Income before extraordinary items | $73,000 | 7,940 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $73,000 | 7,940 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,447 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $73,000 | 7,903 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $235,000 | 8,488 |
| Total interest expense | $79,000 | 8,133 |
| Net interest income | $156,000 | 8,567 |
| Provision for loan and lease losses | $5,000 | 5,826 |
| Total noninterest income | $31,000 | 7,764 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $19,000 | 6,673 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $12,000 | 7,544 |
| Total noninterest expense | $129,000 | 8,608 |
| Salaries and employee benefits | $70,000 | 8,614 |
| Premises and equipment expense | $14,000 | 8,464 |
| Additional noninterest expense | $45,000 | 8,379 |
| Pre-tax net operating income | $53,000 | 7,860 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $1,000 | 6,740 |
| Income before extraordinary items | $52,000 | 7,732 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $52,000 | 7,731 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $52,000 | 7,707 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $924,000 | 8,460 |
| Total interest expense | $287,000 | 8,158 |
| Net interest income | $637,000 | 8,508 |
| Provision for loan and lease losses | $38,000 | 6,224 |
| Total noninterest income | $108,000 | 7,994 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $78,000 | 6,793 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $30,000 | 7,956 |
| Total noninterest expense | $617,000 | 8,484 |
| Salaries and employee benefits | $354,000 | 8,451 |
| Premises and equipment expense | $49,000 | 8,613 |
| Additional noninterest expense | $214,000 | 8,234 |
| Pre-tax net operating income | $90,000 | 8,144 |
| Securities gains (losses) | $1,000 | 3,645 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $91,000 | 8,138 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $91,000 | 8,138 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,149 |
| Cash dividends | $25,000 | 6,010 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $90,000 | 8,099 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $691,000 | 8,511 |
| Total interest expense | $215,000 | 8,186 |
| Net interest income | $476,000 | 8,552 |
| Provision for loan and lease losses | $33,000 | 5,925 |
| Total noninterest income | $80,000 | 8,071 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $61,000 | 6,789 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $19,000 | 8,106 |
| Total noninterest expense | $431,000 | 8,566 |
| Salaries and employee benefits | $244,000 | 8,547 |
| Premises and equipment expense | $38,000 | 8,614 |
| Additional noninterest expense | $149,000 | 8,314 |
| Pre-tax net operating income | $92,000 | 8,158 |
| Securities gains (losses) | $1,000 | 3,538 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $93,000 | 8,116 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $93,000 | 8,118 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,993 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $92,000 | 8,069 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $460,000 | 8,566 |
| Total interest expense | $144,000 | 8,243 |
| Net interest income | $316,000 | 8,612 |
| Provision for loan and lease losses | $23,000 | 5,766 |
| Total noninterest income | $53,000 | 8,120 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $41,000 | 6,815 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $12,000 | 8,173 |
| Total noninterest expense | $296,000 | 8,578 |
| Salaries and employee benefits | $160,000 | 8,617 |
| Premises and equipment expense | $25,000 | 8,656 |
| Additional noninterest expense | $111,000 | 8,207 |
| Pre-tax net operating income | $50,000 | 8,243 |
| Securities gains (losses) | $1,000 | 3,212 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $51,000 | 8,228 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $51,000 | 8,230 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,683 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $50,000 | 8,173 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $232,000 | 8,605 |
| Total interest expense | $77,000 | 8,233 |
| Net interest income | $155,000 | 8,670 |
| Provision for loan and lease losses | $23,000 | 4,653 |
| Total noninterest income | $21,000 | 8,373 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $17,000 | 7,025 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $4,000 | 8,419 |
| Total noninterest expense | $140,000 | 8,683 |
| Salaries and employee benefits | $74,000 | 8,726 |
| Premises and equipment expense | $12,000 | 8,685 |
| Additional noninterest expense | $54,000 | 8,302 |
| Pre-tax net operating income | $13,000 | 8,398 |
| Securities gains (losses) | $1,000 | 2,756 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $14,000 | 8,412 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $14,000 | 8,412 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,968 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $13,000 | 8,355 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $955,000 | 8,624 |
| Total interest expense | $377,000 | 8,185 |
| Net interest income | $578,000 | 8,723 |
| Provision for loan and lease losses | $37,000 | 6,587 |
| Total noninterest income | $119,000 | 8,114 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $78,000 | 6,931 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $41,000 | 7,788 |
| Total noninterest expense | $581,000 | 8,697 |
| Salaries and employee benefits | $317,000 | 8,715 |
| Premises and equipment expense | $49,000 | 8,783 |
| Additional noninterest expense | $215,000 | 8,342 |
| Pre-tax net operating income | $79,000 | 8,278 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $3,000 | 7,286 |
| Income before extraordinary items | $76,000 | 8,339 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $76,000 | 8,343 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 4,574 |
| Cash dividends | $25,000 | 6,105 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $76,000 | 8,233 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $722,000 | 8,705 |
| Total interest expense | $297,000 | 8,255 |
| Net interest income | $425,000 | 8,807 |
| Provision for loan and lease losses | $28,000 | 6,466 |
| Total noninterest income | $95,000 | 8,087 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $61,000 | 6,927 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $34,000 | 7,714 |
| Total noninterest expense | $410,000 | 8,792 |
| Salaries and employee benefits | $221,000 | 8,800 |
| Premises and equipment expense | $39,000 | 8,772 |
| Additional noninterest expense | $150,000 | 8,464 |
| Pre-tax net operating income | $82,000 | 8,319 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $3,000 | 7,331 |
| Income before extraordinary items | $79,000 | 8,360 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $79,000 | 8,362 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 4,321 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $79,000 | 8,239 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $487,000 | 8,740 |
| Total interest expense | $207,000 | 8,284 |
| Net interest income | $280,000 | 8,850 |
| Provision for loan and lease losses | $8,000 | 6,936 |
| Total noninterest income | $66,000 | 8,031 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $43,000 | 6,840 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $23,000 | 7,664 |
| Total noninterest expense | $264,000 | 8,842 |
| Salaries and employee benefits | $140,000 | 8,874 |
| Premises and equipment expense | $25,000 | 8,820 |
| Additional noninterest expense | $99,000 | 8,473 |
| Pre-tax net operating income | $74,000 | 8,206 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $2,000 | 7,353 |
| Income before extraordinary items | $72,000 | 8,210 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $72,000 | 8,212 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 4,662 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $72,000 | 8,061 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $255,000 | 8,765 |
| Total interest expense | $112,000 | 8,273 |
| Net interest income | $143,000 | 8,892 |
| Provision for loan and lease losses | $4,000 | 6,606 |
| Total noninterest income | $24,000 | 8,411 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $22,000 | 6,745 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,000 | 8,884 |
| Total noninterest expense | $132,000 | 8,878 |
| Salaries and employee benefits | $68,000 | 8,941 |
| Premises and equipment expense | $15,000 | 8,679 |
| Additional noninterest expense | $49,000 | 8,519 |
| Pre-tax net operating income | $31,000 | 8,305 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $2,000 | 7,162 |
| Income before extraordinary items | $29,000 | 8,299 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $29,000 | 8,298 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 3,624 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $29,000 | 8,169 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,102,000 | 8,763 |
| Total interest expense | $501,000 | 8,376 |
| Net interest income | $601,000 | 8,889 |
| Provision for loan and lease losses | $144,000 | 5,017 |
| Total noninterest income | $122,000 | 8,145 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $100,000 | 6,579 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $22,000 | 8,461 |
| Total noninterest expense | $507,000 | 8,977 |
| Salaries and employee benefits | $291,000 | 8,927 |
| Premises and equipment expense | $49,000 | 8,917 |
| Additional noninterest expense | $167,000 | 8,772 |
| Pre-tax net operating income | $72,000 | 8,394 |
| Securities gains (losses) | $-2,000 | 8,714 |
| Applicable income taxes | $3,000 | 7,526 |
| Income before extraordinary items | $67,000 | 8,479 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $67,000 | 8,479 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $108,000 | 4,036 |
| Cash dividends | $25,000 | 6,170 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $68,920 | 8,382 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,197,000 | 8,988 |
| Total interest expense | $633,000 | 8,761 |
| Net interest income | $564,000 | 9,095 |
| Provision for loan and lease losses | $107,000 | 5,481 |
| Total noninterest income | $80,000 | 8,779 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $64,000 | 7,308 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $16,000 | 8,892 |
| Total noninterest expense | $499,000 | 9,183 |
| Salaries and employee benefits | $316,000 | 9,000 |
| Premises and equipment expense | $53,000 | 9,079 |
| Additional noninterest expense | $130,000 | 9,192 |
| Pre-tax net operating income | $38,000 | 8,581 |
| Securities gains (losses) | $32,000 | 2,761 |
| Applicable income taxes | $-1,000 | 8,922 |
| Income before extraordinary items | $71,000 | 8,494 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $71,000 | 8,493 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 4,086 |
| Cash dividends | $57,000 | 6,098 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $39,000 | 8,562 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,176,000 | 9,243 |
| Total interest expense | $579,000 | 9,095 |
| Net interest income | $597,000 | 9,300 |
| Provision for loan and lease losses | $23,000 | 7,535 |
| Total noninterest income | $67,000 | 9,076 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $53,000 | 7,545 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $14,000 | 9,226 |
| Total noninterest expense | $518,000 | 9,348 |
| Salaries and employee benefits | $323,000 | 9,151 |
| Premises and equipment expense | $41,000 | 9,526 |
| Additional noninterest expense | $154,000 | 9,204 |
| Pre-tax net operating income | $123,000 | 8,718 |
| Securities gains (losses) | $-24,000 | 8,832 |
| Applicable income taxes | $20,000 | 7,844 |
| Income before extraordinary items | $79,000 | 8,835 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $79,000 | 8,835 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 5,979 |
| Cash dividends | $30,000 | 6,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $98,200 | 8,709 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,102,000 | 9,516 |
| Total interest expense | $549,000 | 9,331 |
| Net interest income | $553,000 | 9,594 |
| Provision for loan and lease losses | $86,000 | 5,547 |
| Total noninterest income | $77,000 | 9,188 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $60,000 | 7,602 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 9,383 |
| Total noninterest expense | $457,000 | 9,742 |
| Salaries and employee benefits | $292,000 | 9,505 |
| Premises and equipment expense | $33,000 | 9,932 |
| Additional noninterest expense | $132,000 | 9,687 |
| Pre-tax net operating income | $87,000 | 9,118 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $15,000 | 8,345 |
| Income before extraordinary items | $72,000 | 9,128 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $72,000 | 9,127 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 4,834 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $72,000 | 9,096 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,018,000 | 9,842 |
| Total interest expense | $496,000 | 9,705 |
| Net interest income | $522,000 | 9,875 |
| Provision for loan and lease losses | $68,000 | 5,924 |
| Total noninterest income | $63,000 | 9,638 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $47,000 | 8,116 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $16,000 | 9,678 |
| Total noninterest expense | $435,000 | 9,964 |
| Salaries and employee benefits | $285,000 | 9,692 |
| Premises and equipment expense | $31,000 | 10,161 |
| Additional noninterest expense | $119,000 | 9,969 |
| Pre-tax net operating income | $82,000 | 9,487 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $10,000 | 9,075 |
| Income before extraordinary items | $72,000 | 9,509 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $72,000 | 9,508 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 4,450 |
| Cash dividends | $40,000 | 7,015 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $72,000 | 9,442 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $965,000 | 10,335 |
| Total interest expense | $431,000 | 10,263 |
| Net interest income | $534,000 | 10,314 |
| Provision for loan and lease losses | $42,000 | 6,950 |
| Total noninterest income | $59,000 | 10,114 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $44,000 | 8,568 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $15,000 | 10,147 |
| Total noninterest expense | $443,000 | 10,349 |
| Salaries and employee benefits | $285,000 | 10,062 |
| Premises and equipment expense | $41,000 | 10,416 |
| Additional noninterest expense | $117,000 | 10,374 |
| Pre-tax net operating income | $108,000 | 10,036 |
| Securities gains (losses) | $-4,000 | 9,548 |
| Applicable income taxes | $19,000 | 9,739 |
| Income before extraordinary items | $85,000 | 10,048 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $85,000 | 10,051 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,964 |
| Cash dividends | $40,000 | 7,339 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $88,280 | 9,993 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $839,000 | 10,989 |
| Total interest expense | $376,000 | 10,928 |
| Net interest income | $463,000 | 10,962 |
| Provision for loan and lease losses | $50,000 | 6,559 |
| Total noninterest income | $54,000 | 10,781 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $39,000 | 9,136 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $15,000 | 10,709 |
| Total noninterest expense | $375,000 | 11,044 |
| Salaries and employee benefits | $245,000 | 10,744 |
| Premises and equipment expense | $32,000 | 11,103 |
| Additional noninterest expense | $98,000 | 11,102 |
| Pre-tax net operating income | $92,000 | 10,412 |
| Securities gains (losses) | $-3,000 | 9,684 |
| Applicable income taxes | $11,000 | 10,352 |
| Income before extraordinary items | $78,000 | 10,401 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $78,000 | 10,399 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,970 |
| Cash dividends | $40,000 | 7,695 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $80,640 | 10,344 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $686,000 | 11,641 |
| Total interest expense | $278,000 | 11,620 |
| Net interest income | $408,000 | 11,589 |
| Provision for loan and lease losses | $42,000 | 6,540 |
| Total noninterest income | $46,000 | 11,420 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $31,000 | 9,769 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $15,000 | 11,205 |
| Total noninterest expense | $338,000 | 11,627 |
| Salaries and employee benefits | $212,000 | 11,420 |
| Premises and equipment expense | $28,000 | 11,660 |
| Additional noninterest expense | $98,000 | 11,629 |
| Pre-tax net operating income | $74,000 | 11,211 |
| Securities gains (losses) | $-5,000 | 9,676 |
| Applicable income taxes | $10,000 | 10,932 |
| Income before extraordinary items | $59,000 | 11,236 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $59,000 | 11,235 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 5,105 |
| Cash dividends | $40,000 | 7,961 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $63,300 | 11,183 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $562,000 | 12,356 |
| Total interest expense | $177,000 | 12,392 |
| Net interest income | $385,000 | 12,256 |
| Provision for loan and lease losses | $18,000 | 7,907 |
| Total noninterest income | $41,000 | 12,111 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $28,000 | 10,369 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $13,000 | 11,916 |
| Total noninterest expense | $317,000 | 12,308 |
| Salaries and employee benefits | $194,000 | 12,101 |
| Premises and equipment expense | $21,000 | 12,416 |
| Additional noninterest expense | $102,000 | 12,270 |
| Pre-tax net operating income | $91,000 | 11,682 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $18,000 | 11,192 |
| Income before extraordinary items | $73,000 | 11,631 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $73,000 | 11,640 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,696 |
| Cash dividends | $40,000 | 8,160 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $73,000 | 11,675 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $536,000 | 13,018 |
| Total interest expense | $183,000 | 13,038 |
| Net interest income | $353,000 | 12,911 |
| Provision for loan and lease losses | $30,000 | 8,397 |
| Total noninterest income | $42,000 | 12,725 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $28,000 | 10,806 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $14,000 | 12,477 |
| Total noninterest expense | $295,000 | 13,001 |
| Salaries and employee benefits | $178,000 | 12,799 |
| Premises and equipment expense | $31,000 | 12,825 |
| Additional noninterest expense | $86,000 | 13,050 |
| Pre-tax net operating income | $70,000 | 12,053 |
| Securities gains (losses) | $1,000 | 7,052 |
| Applicable income taxes | $9,000 | 11,851 |
| Income before extraordinary items | $62,000 | 12,161 |
| Extraordinary gains, net | $12,000 | 2,892 |
| Net income | $74,000 | 12,089 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 6,463 |
| Cash dividends | $30,000 | 8,419 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $61,130 | 12,018 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $606,000 | 13,606 |
| Total interest expense | $263,000 | 13,573 |
| Net interest income | $343,000 | 13,529 |
| Provision for loan and lease losses | $11,000 | 11,121 |
| Total noninterest income | $42,000 | 13,290 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $28,000 | 11,127 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $14,000 | 13,064 |
| Total noninterest expense | $278,000 | 13,631 |
| Salaries and employee benefits | $152,000 | 13,540 |
| Premises and equipment expense | $39,000 | 13,096 |
| Additional noninterest expense | $87,000 | 13,631 |
| Pre-tax net operating income | $96,000 | 12,068 |
| Securities gains (losses) | $5,000 | 7,049 |
| Applicable income taxes | $26,000 | 11,922 |
| Income before extraordinary items | $75,000 | 12,293 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $75,000 | 12,314 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 8,990 |
| Cash dividends | $25,000 | 8,340 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $71,300 | 12,048 |
* 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.