Home > Farmers & Mechanics Bank > Income and Expense
Farmers & Mechanics Bank, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $51,466,000 | 442 |
| Total interest expense | $18,877,000 | 543 |
| Net interest income | $32,589,000 | 383 |
| Provision for loan and lease losses | $-950,000 | 8,587 |
| Total noninterest income | $15,841,000 | 286 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $3,707,000 | 244 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $12,134,000 | 250 |
| Total noninterest expense | $27,031,000 | 372 |
| Salaries and employee benefits | $13,703,000 | 381 |
| Premises and equipment expense | $3,814,000 | 375 |
| Additional noninterest expense | $9,514,000 | 350 |
| Pre-tax net operating income | $22,349,000 | 289 |
| Securities gains (losses) | $78,000 | 462 |
| Applicable income taxes | $7,745,000 | 282 |
| Income before extraordinary items | $14,682,000 | 305 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $14,682,000 | 304 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $452,000 | 759 |
| Cash dividends | $6,054,000 | 348 |
| Sale, conversion, retirement of capital stock, net | $124,000 | 551 |
| Net operating income | $14,631,300 | 303 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $25,042,000 | 448 |
| Total interest expense | $9,154,000 | 548 |
| Net interest income | $15,888,000 | 391 |
| Provision for loan and lease losses | $-250,000 | 8,600 |
| Total noninterest income | $8,561,000 | 267 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $1,726,000 | 254 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $6,835,000 | 223 |
| Total noninterest expense | $14,718,000 | 346 |
| Salaries and employee benefits | $7,410,000 | 351 |
| Premises and equipment expense | $1,861,000 | 382 |
| Additional noninterest expense | $5,447,000 | 313 |
| Pre-tax net operating income | $9,981,000 | 324 |
| Securities gains (losses) | $-71,000 | 8,529 |
| Applicable income taxes | $3,157,000 | 328 |
| Income before extraordinary items | $6,753,000 | 333 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $6,753,000 | 332 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $270,000 | 624 |
| Cash dividends | $6,054,000 | 208 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $6,801,280 | 327 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $95,612,000 | 431 |
| Total interest expense | $31,421,000 | 550 |
| Net interest income | $64,191,000 | 370 |
| Provision for loan and lease losses | $-820,000 | 8,622 |
| Total noninterest income | $27,884,000 | 289 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $5,820,000 | 306 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $22,064,000 | 253 |
| Total noninterest expense | $56,816,000 | 341 |
| Salaries and employee benefits | $26,794,000 | 369 |
| Premises and equipment expense | $7,263,000 | 365 |
| Additional noninterest expense | $22,759,000 | 292 |
| Pre-tax net operating income | $36,079,000 | 346 |
| Securities gains (losses) | $-11,000 | 7,326 |
| Applicable income taxes | $12,250,000 | 339 |
| Income before extraordinary items | $23,818,000 | 364 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $23,818,000 | 362 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $518,000 | 1,149 |
| Cash dividends | $20,953,000 | 227 |
| Sale, conversion, retirement of capital stock, net | $27,000 | 1,076 |
| Net operating income | $23,825,260 | 359 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $70,656,000 | 445 |
| Total interest expense | $22,482,000 | 571 |
| Net interest income | $48,174,000 | 385 |
| Provision for loan and lease losses | $-820,000 | 8,693 |
| Total noninterest income | $21,268,000 | 300 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $4,217,000 | 320 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $17,051,000 | 261 |
| Total noninterest expense | $42,952,000 | 350 |
| Salaries and employee benefits | $20,140,000 | 379 |
| Premises and equipment expense | $5,473,000 | 366 |
| Additional noninterest expense | $17,339,000 | 292 |
| Pre-tax net operating income | $27,310,000 | 364 |
| Securities gains (losses) | $-13,000 | 7,688 |
| Applicable income taxes | $9,596,000 | 347 |
| Income before extraordinary items | $17,701,000 | 387 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $17,701,000 | 386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $375,000 | 993 |
| Cash dividends | $15,759,000 | 224 |
| Sale, conversion, retirement of capital stock, net | $27,000 | 883 |
| Net operating income | $17,709,450 | 381 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $46,315,000 | 445 |
| Total interest expense | $14,082,000 | 577 |
| Net interest income | $32,233,000 | 387 |
| Provision for loan and lease losses | $-820,000 | 8,733 |
| Total noninterest income | $14,026,000 | 312 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $2,579,000 | 343 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $11,447,000 | 264 |
| Total noninterest expense | $29,076,000 | 349 |
| Salaries and employee benefits | $13,546,000 | 374 |
| Premises and equipment expense | $3,687,000 | 368 |
| Additional noninterest expense | $11,843,000 | 295 |
| Pre-tax net operating income | $18,003,000 | 362 |
| Securities gains (losses) | $-13,000 | 7,948 |
| Applicable income taxes | $6,304,000 | 352 |
| Income before extraordinary items | $11,686,000 | 396 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $11,686,000 | 395 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 2,556 |
| Cash dividends | $10,572,000 | 211 |
| Sale, conversion, retirement of capital stock, net | $30,000 | 700 |
| Net operating income | $11,694,450 | 387 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $22,766,000 | 443 |
| Total interest expense | $6,644,000 | 574 |
| Net interest income | $16,122,000 | 390 |
| Provision for loan and lease losses | $-820,000 | 8,760 |
| Total noninterest income | $7,641,000 | 284 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,253,000 | 332 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $6,388,000 | 242 |
| Total noninterest expense | $15,091,000 | 333 |
| Salaries and employee benefits | $6,886,000 | 368 |
| Premises and equipment expense | $1,871,000 | 363 |
| Additional noninterest expense | $6,334,000 | 275 |
| Pre-tax net operating income | $9,492,000 | 344 |
| Securities gains (losses) | $-13,000 | 8,292 |
| Applicable income taxes | $3,335,000 | 337 |
| Income before extraordinary items | $6,144,000 | 375 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $6,144,000 | 373 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 929 |
| Cash dividends | $5,857,000 | 184 |
| Sale, conversion, retirement of capital stock, net | $24,000 | 482 |
| Net operating income | $6,152,450 | 368 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $85,519,000 | 425 |
| Total interest expense | $21,511,000 | 550 |
| Net interest income | $64,008,000 | 385 |
| Provision for loan and lease losses | $-200,000 | 8,690 |
| Total noninterest income | $29,030,000 | 295 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $5,701,000 | 297 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $23,329,000 | 262 |
| Total noninterest expense | $51,419,000 | 377 |
| Salaries and employee benefits | $26,315,000 | 368 |
| Premises and equipment expense | $7,119,000 | 354 |
| Additional noninterest expense | $17,985,000 | 368 |
| Pre-tax net operating income | $41,819,000 | 313 |
| Securities gains (losses) | $-8,000 | 7,452 |
| Applicable income taxes | $15,341,000 | 296 |
| Income before extraordinary items | $26,470,000 | 333 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $26,470,000 | 334 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-79,000 | 8,580 |
| Cash dividends | $26,502,000 | 197 |
| Sale, conversion, retirement of capital stock, net | $38,000 | 826 |
| Net operating income | $26,475,120 | 328 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $62,857,000 | 419 |
| Total interest expense | $15,447,000 | 543 |
| Net interest income | $47,410,000 | 379 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $22,904,000 | 292 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $4,298,000 | 292 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $18,606,000 | 258 |
| Total noninterest expense | $38,354,000 | 376 |
| Salaries and employee benefits | $19,775,000 | 363 |
| Premises and equipment expense | $5,253,000 | 363 |
| Additional noninterest expense | $13,326,000 | 364 |
| Pre-tax net operating income | $31,960,000 | 310 |
| Securities gains (losses) | $-2,000 | 7,438 |
| Applicable income taxes | $11,489,000 | 303 |
| Income before extraordinary items | $20,469,000 | 329 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $20,469,000 | 330 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-143,000 | 8,696 |
| Cash dividends | $20,393,000 | 187 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $20,470,280 | 322 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $41,039,000 | 413 |
| Total interest expense | $9,679,000 | 542 |
| Net interest income | $31,360,000 | 380 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $16,846,000 | 266 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $2,786,000 | 293 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $14,060,000 | 241 |
| Total noninterest expense | $25,811,000 | 370 |
| Salaries and employee benefits | $13,252,000 | 360 |
| Premises and equipment expense | $3,486,000 | 364 |
| Additional noninterest expense | $9,073,000 | 356 |
| Pre-tax net operating income | $22,395,000 | 304 |
| Securities gains (losses) | $-2,000 | 7,723 |
| Applicable income taxes | $8,124,000 | 286 |
| Income before extraordinary items | $14,269,000 | 314 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $14,269,000 | 314 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-284,000 | 8,793 |
| Cash dividends | $14,152,000 | 159 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $14,270,280 | 309 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $16,723,000 | 476 |
| Total interest expense | $3,816,000 | 627 |
| Net interest income | $12,907,000 | 431 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $6,669,000 | 314 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $1,031,000 | 389 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $5,638,000 | 266 |
| Total noninterest expense | $10,780,000 | 430 |
| Salaries and employee benefits | $5,417,000 | 423 |
| Premises and equipment expense | $1,518,000 | 405 |
| Additional noninterest expense | $3,845,000 | 391 |
| Pre-tax net operating income | $8,796,000 | 345 |
| Securities gains (losses) | $-2,000 | 8,244 |
| Applicable income taxes | $3,105,000 | 346 |
| Income before extraordinary items | $5,689,000 | 370 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $5,689,000 | 370 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-215,000 | 8,873 |
| Cash dividends | $3,816,000 | 213 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $5,690,300 | 361 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $67,377,000 | 440 |
| Total interest expense | $13,869,000 | 596 |
| Net interest income | $53,508,000 | 408 |
| Provision for loan and lease losses | $-1,010,000 | 8,931 |
| Total noninterest income | $24,149,000 | 341 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $4,458,000 | 387 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $19,691,000 | 289 |
| Total noninterest expense | $43,348,000 | 416 |
| Salaries and employee benefits | $22,476,000 | 401 |
| Premises and equipment expense | $5,905,000 | 404 |
| Additional noninterest expense | $14,967,000 | 397 |
| Pre-tax net operating income | $35,319,000 | 328 |
| Securities gains (losses) | $-54,000 | 8,612 |
| Applicable income taxes | $12,767,000 | 321 |
| Income before extraordinary items | $22,498,000 | 354 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $22,498,000 | 356 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $520,000 | 1,294 |
| Cash dividends | $15,496,000 | 254 |
| Sale, conversion, retirement of capital stock, net | $22,000 | 781 |
| Net operating income | $22,532,560 | 342 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $50,634,000 | 432 |
| Total interest expense | $10,396,000 | 580 |
| Net interest income | $40,238,000 | 401 |
| Provision for loan and lease losses | $-1,010,000 | 8,990 |
| Total noninterest income | $18,810,000 | 341 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $3,385,000 | 384 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $15,425,000 | 291 |
| Total noninterest expense | $32,840,000 | 418 |
| Salaries and employee benefits | $17,606,000 | 389 |
| Premises and equipment expense | $4,402,000 | 410 |
| Additional noninterest expense | $10,832,000 | 411 |
| Pre-tax net operating income | $27,218,000 | 322 |
| Securities gains (losses) | $-55,000 | 8,818 |
| Applicable income taxes | $10,108,000 | 308 |
| Income before extraordinary items | $17,055,000 | 356 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $17,055,000 | 356 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $349,000 | 1,298 |
| Cash dividends | $11,840,000 | 245 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $17,090,200 | 341 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $34,134,000 | 424 |
| Total interest expense | $6,932,000 | 572 |
| Net interest income | $27,202,000 | 396 |
| Provision for loan and lease losses | $-500,000 | 9,032 |
| Total noninterest income | $12,622,000 | 329 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $2,215,000 | 392 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $10,407,000 | 289 |
| Total noninterest expense | $22,804,000 | 402 |
| Salaries and employee benefits | $11,997,000 | 380 |
| Premises and equipment expense | $2,945,000 | 408 |
| Additional noninterest expense | $7,862,000 | 379 |
| Pre-tax net operating income | $17,520,000 | 324 |
| Securities gains (losses) | $-54,000 | 8,912 |
| Applicable income taxes | $6,344,000 | 317 |
| Income before extraordinary items | $11,122,000 | 357 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $11,122,000 | 356 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $691,000 | 562 |
| Cash dividends | $8,988,000 | 214 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $11,156,560 | 343 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $17,031,000 | 430 |
| Total interest expense | $3,513,000 | 581 |
| Net interest income | $13,518,000 | 401 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $6,627,000 | 320 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,074,000 | 396 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $5,553,000 | 265 |
| Total noninterest expense | $11,888,000 | 390 |
| Salaries and employee benefits | $6,478,000 | 363 |
| Premises and equipment expense | $1,482,000 | 411 |
| Additional noninterest expense | $3,928,000 | 376 |
| Pre-tax net operating income | $8,257,000 | 338 |
| Securities gains (losses) | $-54,000 | 9,038 |
| Applicable income taxes | $2,853,000 | 339 |
| Income before extraordinary items | $5,350,000 | 362 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $5,350,000 | 362 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $425,000 | 475 |
| Cash dividends | $3,728,000 | 222 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $5,385,100 | 341 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $46,015,000 | 607 |
| Total interest expense | $8,751,000 | 1,014 |
| Net interest income | $37,264,000 | 526 |
| Provision for loan and lease losses | $-3,949,000 | 9,171 |
| Total noninterest income | $12,002,000 | 569 |
| Gross Fiduciary activities income | $266,000 | 739 |
| Service charges on deposit accounts | $3,583,000 | 482 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $8,153,000 | 518 |
| Total noninterest expense | $28,026,000 | 606 |
| Salaries and employee benefits | $14,759,000 | 592 |
| Premises and equipment expense | $4,108,000 | 561 |
| Additional noninterest expense | $9,159,000 | 603 |
| Pre-tax net operating income | $25,189,000 | 400 |
| Securities gains (losses) | $-241,000 | 9,089 |
| Applicable income taxes | $8,603,000 | 413 |
| Income before extraordinary items | $16,345,000 | 440 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $16,345,000 | 442 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $996,000 | 932 |
| Cash dividends | $18,888,000 | 260 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $16,504,060 | 415 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $13,229,000 | 1,647 |
| Total interest expense | $2,240,000 | 2,964 |
| Net interest income | $10,989,000 | 1,342 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $4,547,000 | 998 |
| Gross Fiduciary activities income | $266,000 | 664 |
| Service charges on deposit accounts | $1,144,000 | 1,134 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,137,000 | 903 |
| Total noninterest expense | $8,886,000 | 1,371 |
| Salaries and employee benefits | $5,009,000 | 1,303 |
| Premises and equipment expense | $1,252,000 | 1,373 |
| Additional noninterest expense | $2,625,000 | 1,407 |
| Pre-tax net operating income | $6,650,000 | 988 |
| Securities gains (losses) | $-335,000 | 9,180 |
| Applicable income taxes | $2,008,000 | 1,059 |
| Income before extraordinary items | $4,307,000 | 1,160 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $4,307,000 | 1,161 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $545,000 | 1,094 |
| Cash dividends | $2,780,000 | 779 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $4,534,800 | 1,039 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $53,686,000 | 326 |
| Total interest expense | $15,328,000 | 345 |
| Net interest income | $38,358,000 | 314 |
| Provision for loan and lease losses | $1,225,000 | 547 |
| Total noninterest income | $17,061,000 | 289 |
| Gross Fiduciary activities income | $957,000 | 283 |
| Service charges on deposit accounts | $4,398,000 | 212 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $11,706,000 | 285 |
| Total noninterest expense | $33,294,000 | 305 |
| Salaries and employee benefits | $20,034,000 | 242 |
| Premises and equipment expense | $4,768,000 | 288 |
| Additional noninterest expense | $8,492,000 | 386 |
| Pre-tax net operating income | $20,900,000 | 287 |
| Securities gains (losses) | $516,000 | 562 |
| Applicable income taxes | $6,613,000 | 321 |
| Income before extraordinary items | $14,803,000 | 300 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $14,803,000 | 301 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,913,000 | 340 |
| Cash dividends | $7,235,000 | 259 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $14,446,960 | 278 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $27,212,000 | 326 |
| Total interest expense | $7,763,000 | 356 |
| Net interest income | $19,449,000 | 311 |
| Provision for loan and lease losses | $525,000 | 600 |
| Total noninterest income | $7,864,000 | 311 |
| Gross Fiduciary activities income | $474,000 | 290 |
| Service charges on deposit accounts | $2,113,000 | 220 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $5,277,000 | 303 |
| Total noninterest expense | $16,622,000 | 305 |
| Salaries and employee benefits | $9,613,000 | 258 |
| Premises and equipment expense | $2,231,000 | 309 |
| Additional noninterest expense | $4,778,000 | 350 |
| Pre-tax net operating income | $10,166,000 | 292 |
| Securities gains (losses) | $467,000 | 366 |
| Applicable income taxes | $3,384,000 | 316 |
| Income before extraordinary items | $7,249,000 | 305 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $7,249,000 | 306 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $520,000 | 485 |
| Cash dividends | $4,111,000 | 218 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $6,931,440 | 288 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $112,052,000 | 332 |
| Total interest expense | $36,525,000 | 353 |
| Net interest income | $75,527,000 | 324 |
| Provision for loan and lease losses | $1,325,000 | 1,039 |
| Total noninterest income | $31,251,000 | 295 |
| Gross Fiduciary activities income | $1,915,000 | 290 |
| Service charges on deposit accounts | $9,223,000 | 202 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $20,113,000 | 297 |
| Total noninterest expense | $68,926,000 | 286 |
| Salaries and employee benefits | $39,270,000 | 233 |
| Premises and equipment expense | $9,880,000 | 272 |
| Additional noninterest expense | $19,776,000 | 353 |
| Pre-tax net operating income | $36,527,000 | 306 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $11,909,000 | 322 |
| Income before extraordinary items | $24,618,000 | 317 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $24,618,000 | 317 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,604,000 | 644 |
| Cash dividends | $14,075,000 | 285 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $24,618,000 | 303 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $122,312,000 | 336 |
| Total interest expense | $54,346,000 | 357 |
| Net interest income | $67,966,000 | 320 |
| Provision for loan and lease losses | $3,681,000 | 449 |
| Total noninterest income | $30,835,000 | 295 |
| Gross Fiduciary activities income | $2,617,000 | 248 |
| Service charges on deposit accounts | $8,370,000 | 210 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $19,848,000 | 291 |
| Total noninterest expense | $64,840,000 | 290 |
| Salaries and employee benefits | $36,458,000 | 225 |
| Premises and equipment expense | $9,819,000 | 265 |
| Additional noninterest expense | $18,563,000 | 373 |
| Pre-tax net operating income | $30,280,000 | 311 |
| Securities gains (losses) | $60,000 | 2,191 |
| Applicable income taxes | $9,048,000 | 356 |
| Income before extraordinary items | $21,292,000 | 309 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $21,292,000 | 308 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,966,000 | 435 |
| Cash dividends | $18,077,000 | 251 |
| Sale, conversion, retirement of capital stock, net | $-22,000 | 9,460 |
| Net operating income | $21,250,000 | 292 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $107,419,000 | 394 |
| Total interest expense | $52,720,000 | 409 |
| Net interest income | $54,699,000 | 382 |
| Provision for loan and lease losses | $2,630,000 | 504 |
| Total noninterest income | $26,014,000 | 319 |
| Gross Fiduciary activities income | $2,606,000 | 251 |
| Service charges on deposit accounts | $6,300,000 | 240 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $17,108,000 | 322 |
| Total noninterest expense | $56,214,000 | 314 |
| Salaries and employee benefits | $31,164,000 | 253 |
| Premises and equipment expense | $8,131,000 | 301 |
| Additional noninterest expense | $16,919,000 | 395 |
| Pre-tax net operating income | $21,869,000 | 420 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $6,249,000 | 469 |
| Income before extraordinary items | $15,620,000 | 402 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $15,620,000 | 403 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,524,000 | 421 |
| Cash dividends | $5,143,000 | 611 |
| Sale, conversion, retirement of capital stock, net | $-136,000 | 9,785 |
| Net operating income | $15,620,000 | 403 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $96,905,000 | 416 |
| Total interest expense | $44,950,000 | 413 |
| Net interest income | $51,955,000 | 406 |
| Provision for loan and lease losses | $1,275,000 | 806 |
| Total noninterest income | $22,095,000 | 372 |
| Gross Fiduciary activities income | $2,864,000 | 266 |
| Service charges on deposit accounts | $5,629,000 | 270 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $13,602,000 | 374 |
| Total noninterest expense | $58,992,000 | 318 |
| Salaries and employee benefits | $33,387,000 | 241 |
| Premises and equipment expense | $8,358,000 | 298 |
| Additional noninterest expense | $17,247,000 | 407 |
| Pre-tax net operating income | $13,783,000 | 635 |
| Securities gains (losses) | $7,000 | 1,949 |
| Applicable income taxes | $3,247,000 | 829 |
| Income before extraordinary items | $10,543,000 | 602 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $10,543,000 | 602 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,678,000 | 508 |
| Cash dividends | $8,844,000 | 442 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $10,537,680 | 587 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $81,652,000 | 470 |
| Total interest expense | $39,208,000 | 472 |
| Net interest income | $42,444,000 | 460 |
| Provision for loan and lease losses | $3,056,000 | 445 |
| Total noninterest income | $15,494,000 | 441 |
| Gross Fiduciary activities income | $2,670,000 | 272 |
| Service charges on deposit accounts | $4,637,000 | 289 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $8,187,000 | 485 |
| Total noninterest expense | $42,342,000 | 407 |
| Salaries and employee benefits | $23,682,000 | 320 |
| Premises and equipment expense | $6,166,000 | 368 |
| Additional noninterest expense | $12,494,000 | 504 |
| Pre-tax net operating income | $12,540,000 | 651 |
| Securities gains (losses) | $1,105,000 | 359 |
| Applicable income taxes | $3,273,000 | 806 |
| Income before extraordinary items | $10,372,000 | 579 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $10,372,000 | 578 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,351,000 | 603 |
| Cash dividends | $7,232,000 | 493 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $9,532,200 | 585 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $57,287,000 | 625 |
| Total interest expense | $25,245,000 | 667 |
| Net interest income | $32,042,000 | 583 |
| Provision for loan and lease losses | $1,800,000 | 635 |
| Total noninterest income | $10,634,000 | 549 |
| Gross Fiduciary activities income | $2,594,000 | 286 |
| Service charges on deposit accounts | $3,835,000 | 353 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $4,205,000 | 692 |
| Total noninterest expense | $27,257,000 | 555 |
| Salaries and employee benefits | $14,960,000 | 462 |
| Premises and equipment expense | $4,168,000 | 525 |
| Additional noninterest expense | $8,129,000 | 681 |
| Pre-tax net operating income | $13,619,000 | 623 |
| Securities gains (losses) | $-24,000 | 10,433 |
| Applicable income taxes | $3,708,000 | 773 |
| Income before extraordinary items | $9,887,000 | 604 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $9,887,000 | 604 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,640,000 | 568 |
| Cash dividends | $4,084,000 | 731 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $9,904,520 | 584 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $54,057,000 | 689 |
| Total interest expense | $23,558,000 | 748 |
| Net interest income | $30,499,000 | 647 |
| Provision for loan and lease losses | $1,200,000 | 891 |
| Total noninterest income | $8,530,000 | 657 |
| Gross Fiduciary activities income | $1,806,000 | 375 |
| Service charges on deposit accounts | $3,390,000 | 432 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $3,334,000 | 824 |
| Total noninterest expense | $25,904,000 | 633 |
| Salaries and employee benefits | $14,219,000 | 506 |
| Premises and equipment expense | $3,744,000 | 593 |
| Additional noninterest expense | $7,941,000 | 809 |
| Pre-tax net operating income | $11,925,000 | 681 |
| Securities gains (losses) | $-22,000 | 10,677 |
| Applicable income taxes | $3,067,000 | 858 |
| Income before extraordinary items | $8,836,000 | 650 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $8,836,000 | 650 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,735,000 | 627 |
| Cash dividends | $3,517,000 | 845 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $8,852,280 | 629 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $54,119,000 | 717 |
| Total interest expense | $23,759,000 | 764 |
| Net interest income | $30,360,000 | 673 |
| Provision for loan and lease losses | $2,000,000 | 574 |
| Total noninterest income | $10,440,000 | 588 |
| Gross Fiduciary activities income | $1,560,000 | 428 |
| Service charges on deposit accounts | $2,943,000 | 500 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $5,937,000 | 594 |
| Total noninterest expense | $27,410,000 | 621 |
| Salaries and employee benefits | $13,240,000 | 542 |
| Premises and equipment expense | $3,287,000 | 696 |
| Additional noninterest expense | $10,883,000 | 642 |
| Pre-tax net operating income | $11,390,000 | 749 |
| Securities gains (losses) | $-256,000 | 11,723 |
| Applicable income taxes | $2,934,000 | 936 |
| Income before extraordinary items | $8,200,000 | 710 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $8,200,000 | 710 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,629,000 | 651 |
| Cash dividends | $3,090,000 | 892 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $8,389,440 | 685 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $45,004,000 | 765 |
| Total interest expense | $17,278,000 | 807 |
| Net interest income | $27,726,000 | 719 |
| Provision for loan and lease losses | $900,000 | 996 |
| Total noninterest income | $6,898,000 | 757 |
| Gross Fiduciary activities income | $1,144,000 | 496 |
| Service charges on deposit accounts | $2,193,000 | 625 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $3,561,000 | 787 |
| Total noninterest expense | $22,668,000 | 728 |
| Salaries and employee benefits | $11,620,000 | 619 |
| Premises and equipment expense | $2,522,000 | 868 |
| Additional noninterest expense | $8,526,000 | 786 |
| Pre-tax net operating income | $11,056,000 | 741 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $2,968,000 | 881 |
| Income before extraordinary items | $8,088,000 | 680 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $8,088,000 | 682 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $840,000 | 985 |
| Cash dividends | $3,017,000 | 801 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $8,088,000 | 686 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $43,687,000 | 780 |
| Total interest expense | $16,828,000 | 847 |
| Net interest income | $26,859,000 | 727 |
| Provision for loan and lease losses | $1,500,000 | 1,002 |
| Total noninterest income | $5,919,000 | 869 |
| Gross Fiduciary activities income | $1,091,000 | 524 |
| Service charges on deposit accounts | $1,854,000 | 732 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $2,974,000 | 965 |
| Total noninterest expense | $20,594,000 | 821 |
| Salaries and employee benefits | $10,574,000 | 683 |
| Premises and equipment expense | $2,440,000 | 911 |
| Additional noninterest expense | $7,580,000 | 932 |
| Pre-tax net operating income | $10,684,000 | 680 |
| Securities gains (losses) | $2,000 | 6,773 |
| Applicable income taxes | $3,014,000 | 856 |
| Income before extraordinary items | $7,672,000 | 685 |
| Extraordinary gains, net | $-97,000 | 12,910 |
| Net income | $7,575,000 | 715 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,694,000 | 799 |
| Cash dividends | $2,810,000 | 764 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $7,670,560 | 635 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $45,789,000 | 846 |
| Total interest expense | $19,722,000 | 919 |
| Net interest income | $26,067,000 | 766 |
| Provision for loan and lease losses | $2,615,000 | 935 |
| Total noninterest income | $5,033,000 | 971 |
| Gross Fiduciary activities income | $771,000 | 623 |
| Service charges on deposit accounts | $1,789,000 | 740 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $2,473,000 | 1,088 |
| Total noninterest expense | $19,248,000 | 878 |
| Salaries and employee benefits | $10,036,000 | 699 |
| Premises and equipment expense | $2,346,000 | 976 |
| Additional noninterest expense | $6,866,000 | 1,027 |
| Pre-tax net operating income | $9,237,000 | 691 |
| Securities gains (losses) | $619,000 | 917 |
| Applicable income taxes | $2,751,000 | 847 |
| Income before extraordinary items | $7,105,000 | 669 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $7,105,000 | 663 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,077,000 | 1,493 |
| Cash dividends | $2,725,000 | 652 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $6,659,320 | 648 |
* 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.