Home > Farmers & Merchants Bank > Income and Expense
Farmers & Merchants Bank, Income and Expense
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $16,737,000 | 1,248 |
| Total interest expense | $4,576,000 | 1,316 |
| Net interest income | $12,161,000 | 1,227 |
| Provision for loan and lease losses | $300,000 | 2,260 |
| Total noninterest income | $1,514,000 | 2,197 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,011,000 | 1,327 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $503,000 | 2,794 |
| Total noninterest expense | $4,622,000 | 2,543 |
| Salaries and employee benefits | $2,476,000 | 2,592 |
| Premises and equipment expense | $495,000 | 3,282 |
| Additional noninterest expense | $1,651,000 | 2,189 |
| Pre-tax net operating income | $8,753,000 | 758 |
| Securities gains (losses) | $1,118,000 | 247 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $9,871,000 | 532 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $9,871,000 | 533 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $261,000 | 1,583 |
| Cash dividends | $5,025,000 | 453 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $8,753,000 | 568 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $11,174,000 | 1,232 |
| Total interest expense | $3,026,000 | 1,308 |
| Net interest income | $8,148,000 | 1,214 |
| Provision for loan and lease losses | $150,000 | 2,691 |
| Total noninterest income | $975,000 | 2,236 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $657,000 | 1,353 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $318,000 | 2,892 |
| Total noninterest expense | $3,243,000 | 2,448 |
| Salaries and employee benefits | $1,668,000 | 2,580 |
| Premises and equipment expense | $435,000 | 2,581 |
| Additional noninterest expense | $1,140,000 | 2,117 |
| Pre-tax net operating income | $5,730,000 | 768 |
| Securities gains (losses) | $38,000 | 1,632 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $5,768,000 | 597 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $5,768,000 | 596 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $166,000 | 1,572 |
| Cash dividends | $3,350,000 | 449 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $5,730,000 | 570 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $5,560,000 | 1,249 |
| Total interest expense | $1,511,000 | 1,325 |
| Net interest income | $4,049,000 | 1,225 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $463,000 | 2,280 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $315,000 | 1,364 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $148,000 | 2,972 |
| Total noninterest expense | $1,616,000 | 2,472 |
| Salaries and employee benefits | $832,000 | 2,595 |
| Premises and equipment expense | $213,000 | 2,655 |
| Additional noninterest expense | $571,000 | 2,069 |
| Pre-tax net operating income | $2,896,000 | 761 |
| Securities gains (losses) | $2,000 | 2,612 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $2,898,000 | 596 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $2,898,000 | 595 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 2,731 |
| Cash dividends | $1,675,000 | 414 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $2,896,000 | 559 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $23,033,000 | 1,241 |
| Total interest expense | $6,736,000 | 1,314 |
| Net interest income | $16,297,000 | 1,189 |
| Provision for loan and lease losses | $450,000 | 2,353 |
| Total noninterest income | $2,280,000 | 2,108 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,359,000 | 1,278 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $921,000 | 2,517 |
| Total noninterest expense | $6,786,000 | 2,313 |
| Salaries and employee benefits | $3,666,000 | 2,311 |
| Premises and equipment expense | $840,000 | 2,637 |
| Additional noninterest expense | $2,280,000 | 2,115 |
| Pre-tax net operating income | $11,341,000 | 768 |
| Securities gains (losses) | $6,000 | 3,841 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $11,347,000 | 600 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $11,347,000 | 601 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $210,000 | 2,806 |
| Cash dividends | $7,675,000 | 462 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $11,341,000 | 561 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $17,328,000 | 1,262 |
| Total interest expense | $5,211,000 | 1,331 |
| Net interest income | $12,117,000 | 1,207 |
| Provision for loan and lease losses | $450,000 | 1,799 |
| Total noninterest income | $1,778,000 | 2,090 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,007,000 | 1,301 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $771,000 | 2,419 |
| Total noninterest expense | $4,757,000 | 2,473 |
| Salaries and employee benefits | $2,456,000 | 2,569 |
| Premises and equipment expense | $709,000 | 2,377 |
| Additional noninterest expense | $1,592,000 | 2,252 |
| Pre-tax net operating income | $8,688,000 | 783 |
| Securities gains (losses) | $6,000 | 3,549 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $8,694,000 | 605 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $8,694,000 | 605 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $124,000 | 2,909 |
| Cash dividends | $4,575,000 | 517 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $8,688,000 | 556 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $11,646,000 | 1,266 |
| Total interest expense | $3,608,000 | 1,327 |
| Net interest income | $8,038,000 | 1,210 |
| Provision for loan and lease losses | $300,000 | 1,769 |
| Total noninterest income | $1,189,000 | 2,074 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $653,000 | 1,314 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $536,000 | 2,351 |
| Total noninterest expense | $3,204,000 | 2,453 |
| Salaries and employee benefits | $1,630,000 | 2,570 |
| Premises and equipment expense | $478,000 | 2,350 |
| Additional noninterest expense | $1,096,000 | 2,173 |
| Pre-tax net operating income | $5,723,000 | 780 |
| Securities gains (losses) | $6,000 | 3,151 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $5,729,000 | 613 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $5,729,000 | 612 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $105,000 | 2,426 |
| Cash dividends | $3,050,000 | 502 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $5,723,000 | 565 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $5,854,000 | 1,268 |
| Total interest expense | $1,842,000 | 1,324 |
| Net interest income | $4,012,000 | 1,223 |
| Provision for loan and lease losses | $150,000 | 1,666 |
| Total noninterest income | $477,000 | 2,368 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $315,000 | 1,328 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $162,000 | 3,072 |
| Total noninterest expense | $1,596,000 | 2,435 |
| Salaries and employee benefits | $771,000 | 2,695 |
| Premises and equipment expense | $223,000 | 2,509 |
| Additional noninterest expense | $602,000 | 1,957 |
| Pre-tax net operating income | $2,743,000 | 817 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $2,743,000 | 631 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,743,000 | 629 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 2,327 |
| Cash dividends | $1,525,000 | 472 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $2,743,000 | 586 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $25,180,000 | 1,219 |
| Total interest expense | $8,463,000 | 1,330 |
| Net interest income | $16,717,000 | 1,163 |
| Provision for loan and lease losses | $900,000 | 1,473 |
| Total noninterest income | $1,920,000 | 2,203 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,296,000 | 1,247 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $624,000 | 2,899 |
| Total noninterest expense | $6,481,000 | 2,308 |
| Salaries and employee benefits | $3,499,000 | 2,294 |
| Premises and equipment expense | $755,000 | 2,803 |
| Additional noninterest expense | $2,227,000 | 2,077 |
| Pre-tax net operating income | $11,256,000 | 773 |
| Securities gains (losses) | $9,000 | 3,662 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $11,265,000 | 578 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $11,265,000 | 579 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $542,000 | 1,571 |
| Cash dividends | $6,575,000 | 491 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $11,256,000 | 552 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $27,620,000 | 1,245 |
| Total interest expense | $12,810,000 | 1,270 |
| Net interest income | $14,810,000 | 1,195 |
| Provision for loan and lease losses | $400,000 | 2,609 |
| Total noninterest income | $1,872,000 | 2,119 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,329,000 | 1,115 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $543,000 | 2,996 |
| Total noninterest expense | $6,082,000 | 2,348 |
| Salaries and employee benefits | $3,190,000 | 2,356 |
| Premises and equipment expense | $904,000 | 2,349 |
| Additional noninterest expense | $1,988,000 | 2,254 |
| Pre-tax net operating income | $10,200,000 | 748 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $5,000 | 7,734 |
| Income before extraordinary items | $10,195,000 | 568 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $10,195,000 | 569 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $128,000 | 3,638 |
| Cash dividends | $6,100,000 | 519 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $10,195,000 | 541 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $27,129,000 | 1,305 |
| Total interest expense | $13,804,000 | 1,262 |
| Net interest income | $13,325,000 | 1,315 |
| Provision for loan and lease losses | $400,000 | 2,269 |
| Total noninterest income | $1,958,000 | 1,906 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,295,000 | 1,045 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $663,000 | 2,466 |
| Total noninterest expense | $5,557,000 | 2,456 |
| Salaries and employee benefits | $2,986,000 | 2,399 |
| Premises and equipment expense | $832,000 | 2,484 |
| Additional noninterest expense | $1,739,000 | 2,465 |
| Pre-tax net operating income | $9,326,000 | 822 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $9,326,000 | 607 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $9,326,000 | 607 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $206,000 | 2,357 |
| Cash dividends | $5,600,000 | 568 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $9,326,000 | 599 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $24,296,000 | 1,336 |
| Total interest expense | $10,745,000 | 1,390 |
| Net interest income | $13,551,000 | 1,286 |
| Provision for loan and lease losses | $400,000 | 2,102 |
| Total noninterest income | $1,639,000 | 2,156 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,282,000 | 1,037 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $357,000 | 3,660 |
| Total noninterest expense | $5,497,000 | 2,462 |
| Salaries and employee benefits | $3,100,000 | 2,262 |
| Premises and equipment expense | $761,000 | 2,675 |
| Additional noninterest expense | $1,636,000 | 2,633 |
| Pre-tax net operating income | $9,293,000 | 883 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $9,293,000 | 658 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $9,293,000 | 659 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 4,073 |
| Cash dividends | $5,583,000 | 602 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $9,293,000 | 645 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $23,637,000 | 1,369 |
| Total interest expense | $10,594,000 | 1,449 |
| Net interest income | $13,043,000 | 1,302 |
| Provision for loan and lease losses | $450,000 | 1,869 |
| Total noninterest income | $1,556,000 | 2,211 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,288,000 | 957 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $268,000 | 4,254 |
| Total noninterest expense | $5,394,000 | 2,417 |
| Salaries and employee benefits | $3,036,000 | 2,229 |
| Premises and equipment expense | $744,000 | 2,611 |
| Additional noninterest expense | $1,614,000 | 2,599 |
| Pre-tax net operating income | $8,755,000 | 899 |
| Securities gains (losses) | $10,000 | 2,952 |
| Applicable income taxes | $2,244,000 | 1,119 |
| Income before extraordinary items | $6,521,000 | 844 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $6,521,000 | 843 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $121,000 | 3,318 |
| Cash dividends | $3,400,000 | 885 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $6,513,600 | 809 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $21,783,000 | 1,510 |
| Total interest expense | $9,521,000 | 1,625 |
| Net interest income | $12,262,000 | 1,412 |
| Provision for loan and lease losses | $350,000 | 2,319 |
| Total noninterest income | $1,510,000 | 2,183 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,244,000 | 1,009 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $266,000 | 4,212 |
| Total noninterest expense | $5,272,000 | 2,444 |
| Salaries and employee benefits | $2,998,000 | 2,207 |
| Premises and equipment expense | $871,000 | 2,259 |
| Additional noninterest expense | $1,403,000 | 2,907 |
| Pre-tax net operating income | $8,150,000 | 1,011 |
| Securities gains (losses) | $15,000 | 2,081 |
| Applicable income taxes | $2,801,000 | 988 |
| Income before extraordinary items | $5,364,000 | 1,030 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $5,364,000 | 1,031 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $456,000 | 1,447 |
| Cash dividends | $900,000 | 2,364 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $5,354,100 | 1,005 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $20,034,000 | 1,678 |
| Total interest expense | $8,727,000 | 1,803 |
| Net interest income | $11,307,000 | 1,574 |
| Provision for loan and lease losses | $200,000 | 3,395 |
| Total noninterest income | $1,441,000 | 2,366 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $1,158,000 | 1,141 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $283,000 | 4,221 |
| Total noninterest expense | $4,320,000 | 3,126 |
| Salaries and employee benefits | $2,767,000 | 2,406 |
| Premises and equipment expense | $453,000 | 4,093 |
| Additional noninterest expense | $1,100,000 | 4,058 |
| Pre-tax net operating income | $8,228,000 | 933 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $2,855,000 | 909 |
| Income before extraordinary items | $5,373,000 | 980 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $5,373,000 | 981 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 4,536 |
| Cash dividends | $900,000 | 2,306 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $5,373,000 | 962 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $18,057,000 | 1,878 |
| Total interest expense | $7,602,000 | 2,061 |
| Net interest income | $10,455,000 | 1,711 |
| Provision for loan and lease losses | $200,000 | 2,992 |
| Total noninterest income | $1,441,000 | 2,349 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $1,254,000 | 1,068 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $187,000 | 5,316 |
| Total noninterest expense | $4,214,000 | 3,169 |
| Salaries and employee benefits | $2,634,000 | 2,537 |
| Premises and equipment expense | $411,000 | 4,429 |
| Additional noninterest expense | $1,169,000 | 3,825 |
| Pre-tax net operating income | $7,482,000 | 1,038 |
| Securities gains (losses) | $1,000 | 3,512 |
| Applicable income taxes | $2,735,000 | 978 |
| Income before extraordinary items | $4,748,000 | 1,115 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $4,748,000 | 1,112 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-26,000 | 11,160 |
| Cash dividends | $800,000 | 2,402 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $4,747,360 | 1,096 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $14,945,000 | 2,070 |
| Total interest expense | $5,269,000 | 2,345 |
| Net interest income | $9,676,000 | 1,870 |
| Provision for loan and lease losses | $300,000 | 2,237 |
| Total noninterest income | $1,375,000 | 2,465 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,220,000 | 1,088 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $155,000 | 6,118 |
| Total noninterest expense | $4,398,000 | 3,129 |
| Salaries and employee benefits | $2,502,000 | 2,659 |
| Premises and equipment expense | $404,000 | 4,554 |
| Additional noninterest expense | $1,492,000 | 3,307 |
| Pre-tax net operating income | $6,353,000 | 1,183 |
| Securities gains (losses) | $-1,000 | 8,790 |
| Applicable income taxes | $2,191,000 | 1,106 |
| Income before extraordinary items | $4,161,000 | 1,219 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $4,161,000 | 1,218 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,780 |
| Cash dividends | $800,000 | 2,270 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $4,161,660 | 1,225 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $14,271,000 | 2,181 |
| Total interest expense | $5,042,000 | 2,549 |
| Net interest income | $9,229,000 | 1,961 |
| Provision for loan and lease losses | $300,000 | 2,975 |
| Total noninterest income | $1,191,000 | 2,922 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $1,108,000 | 1,216 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $83,000 | 8,496 |
| Total noninterest expense | $4,316,000 | 3,247 |
| Salaries and employee benefits | $2,300,000 | 2,873 |
| Premises and equipment expense | $434,000 | 4,393 |
| Additional noninterest expense | $1,582,000 | 3,346 |
| Pre-tax net operating income | $5,804,000 | 1,196 |
| Securities gains (losses) | $-44,000 | 13,068 |
| Applicable income taxes | $1,879,000 | 1,272 |
| Income before extraordinary items | $3,881,000 | 1,309 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $3,881,000 | 1,346 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 4,534 |
| Cash dividends | $700,000 | 2,369 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $3,910,480 | 1,210 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $14,983,000 | 2,346 |
| Total interest expense | $6,189,000 | 2,697 |
| Net interest income | $8,794,000 | 2,071 |
| Provision for loan and lease losses | $350,000 | 3,771 |
| Total noninterest income | $1,044,000 | 3,203 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $940,000 | 1,426 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $104,000 | 7,922 |
| Total noninterest expense | $3,880,000 | 3,604 |
| Salaries and employee benefits | $2,137,000 | 3,020 |
| Premises and equipment expense | $409,000 | 4,718 |
| Additional noninterest expense | $1,334,000 | 3,949 |
| Pre-tax net operating income | $5,608,000 | 1,157 |
| Securities gains (losses) | $-9,000 | 13,256 |
| Applicable income taxes | $1,820,000 | 1,219 |
| Income before extraordinary items | $3,779,000 | 1,239 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $3,779,000 | 1,241 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 6,704 |
| Cash dividends | $600,000 | 2,382 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $3,785,030 | 1,148 |
* 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.