Home > Farmers & Merchants Bank and Trust Company > Income and Expense
Farmers & Merchants Bank and Trust Company, Income and Expense
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,408,000 | 5,637 |
| Total interest expense | $900,000 | 5,507 |
| Net interest income | $1,508,000 | 5,572 |
| Provision for loan and lease losses | $118,000 | 3,120 |
| Total noninterest income | $396,000 | 4,065 |
| Gross Fiduciary activities income | $57,000 | 924 |
| Service charges on deposit accounts | $123,000 | 4,552 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $216,000 | 3,603 |
| Total noninterest expense | $1,718,000 | 4,462 |
| Salaries and employee benefits | $920,000 | 4,540 |
| Premises and equipment expense | $172,000 | 5,374 |
| Additional noninterest expense | $626,000 | 3,789 |
| Pre-tax net operating income | $68,000 | 7,862 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $10,000 | 6,127 |
| Income before extraordinary items | $58,000 | 7,857 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $58,000 | 7,858 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 3,455 |
| Cash dividends | $60,000 | 4,692 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $58,000 | 7,862 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,178,000 | 5,655 |
| Total interest expense | $411,000 | 5,618 |
| Net interest income | $767,000 | 5,536 |
| Provision for loan and lease losses | $6,000 | 5,562 |
| Total noninterest income | $194,000 | 4,062 |
| Gross Fiduciary activities income | $30,000 | 919 |
| Service charges on deposit accounts | $57,000 | 4,646 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $107,000 | 3,600 |
| Total noninterest expense | $889,000 | 4,358 |
| Salaries and employee benefits | $479,000 | 4,416 |
| Premises and equipment expense | $89,000 | 5,311 |
| Additional noninterest expense | $321,000 | 3,687 |
| Pre-tax net operating income | $66,000 | 7,486 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $19,000 | 5,395 |
| Income before extraordinary items | $47,000 | 7,581 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $47,000 | 7,580 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 3,017 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $47,000 | 7,580 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,453,000 | 5,518 |
| Total interest expense | $1,420,000 | 5,375 |
| Net interest income | $3,033,000 | 5,472 |
| Provision for loan and lease losses | $25,000 | 6,321 |
| Total noninterest income | $1,174,000 | 3,197 |
| Gross Fiduciary activities income | $131,000 | 897 |
| Service charges on deposit accounts | $278,000 | 4,359 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $765,000 | 2,620 |
| Total noninterest expense | $3,705,000 | 4,103 |
| Salaries and employee benefits | $1,873,000 | 4,334 |
| Premises and equipment expense | $588,000 | 3,725 |
| Additional noninterest expense | $1,244,000 | 3,754 |
| Pre-tax net operating income | $477,000 | 6,825 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $148,000 | 5,008 |
| Income before extraordinary items | $329,000 | 7,053 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $329,000 | 7,054 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 5,474 |
| Cash dividends | $187,000 | 4,992 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $329,000 | 7,035 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,142,000 | 5,662 |
| Total interest expense | $1,008,000 | 5,410 |
| Net interest income | $2,134,000 | 5,686 |
| Provision for loan and lease losses | $19,000 | 6,196 |
| Total noninterest income | $972,000 | 2,963 |
| Gross Fiduciary activities income | $95,000 | 892 |
| Service charges on deposit accounts | $213,000 | 4,334 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $664,000 | 2,397 |
| Total noninterest expense | $2,815,000 | 4,031 |
| Salaries and employee benefits | $1,424,000 | 4,254 |
| Premises and equipment expense | $435,000 | 3,737 |
| Additional noninterest expense | $956,000 | 3,625 |
| Pre-tax net operating income | $272,000 | 7,319 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $76,000 | 5,483 |
| Income before extraordinary items | $196,000 | 7,473 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $196,000 | 7,474 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,785 |
| Cash dividends | $114,000 | 4,598 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $196,000 | 7,444 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,038,000 | 5,688 |
| Total interest expense | $618,000 | 5,490 |
| Net interest income | $1,420,000 | 5,667 |
| Provision for loan and lease losses | $13,000 | 5,966 |
| Total noninterest income | $617,000 | 3,028 |
| Gross Fiduciary activities income | $52,000 | 932 |
| Service charges on deposit accounts | $146,000 | 4,216 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $419,000 | 2,466 |
| Total noninterest expense | $1,877,000 | 4,010 |
| Salaries and employee benefits | $945,000 | 4,256 |
| Premises and equipment expense | $287,000 | 3,747 |
| Additional noninterest expense | $645,000 | 3,588 |
| Pre-tax net operating income | $147,000 | 7,561 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $33,000 | 5,805 |
| Income before extraordinary items | $114,000 | 7,640 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $114,000 | 7,640 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 4,682 |
| Cash dividends | $114,000 | 4,154 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $114,000 | 7,594 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $979,000 | 5,796 |
| Total interest expense | $283,000 | 5,638 |
| Net interest income | $696,000 | 5,747 |
| Provision for loan and lease losses | $7,000 | 5,663 |
| Total noninterest income | $312,000 | 2,982 |
| Gross Fiduciary activities income | $30,000 | 918 |
| Service charges on deposit accounts | $70,000 | 4,265 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $212,000 | 2,395 |
| Total noninterest expense | $954,000 | 3,987 |
| Salaries and employee benefits | $474,000 | 4,261 |
| Premises and equipment expense | $156,000 | 3,539 |
| Additional noninterest expense | $324,000 | 3,576 |
| Pre-tax net operating income | $47,000 | 7,929 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $10,000 | 6,081 |
| Income before extraordinary items | $37,000 | 7,981 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $37,000 | 7,981 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 3,394 |
| Cash dividends | $45,000 | 3,493 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $37,000 | 7,953 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,816,000 | 5,698 |
| Total interest expense | $959,000 | 5,786 |
| Net interest income | $2,857,000 | 5,563 |
| Provision for loan and lease losses | $123,000 | 4,583 |
| Total noninterest income | $1,212,000 | 3,105 |
| Gross Fiduciary activities income | $118,000 | 908 |
| Service charges on deposit accounts | $299,000 | 4,321 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $795,000 | 2,508 |
| Total noninterest expense | $3,607,000 | 4,080 |
| Salaries and employee benefits | $1,824,000 | 4,294 |
| Premises and equipment expense | $587,000 | 3,593 |
| Additional noninterest expense | $1,196,000 | 3,761 |
| Pre-tax net operating income | $339,000 | 7,313 |
| Securities gains (losses) | $83,000 | 1,372 |
| Applicable income taxes | $153,000 | 5,073 |
| Income before extraordinary items | $269,000 | 7,352 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $269,000 | 7,352 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,112 |
| Cash dividends | $234,000 | 4,693 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $215,880 | 7,532 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,835,000 | 5,724 |
| Total interest expense | $699,000 | 5,831 |
| Net interest income | $2,136,000 | 5,574 |
| Provision for loan and lease losses | $30,000 | 5,981 |
| Total noninterest income | $905,000 | 3,138 |
| Gross Fiduciary activities income | $80,000 | 922 |
| Service charges on deposit accounts | $225,000 | 4,347 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $600,000 | 2,501 |
| Total noninterest expense | $2,709,000 | 4,043 |
| Salaries and employee benefits | $1,400,000 | 4,174 |
| Premises and equipment expense | $434,000 | 3,648 |
| Additional noninterest expense | $875,000 | 3,817 |
| Pre-tax net operating income | $302,000 | 7,201 |
| Securities gains (losses) | $83,000 | 1,307 |
| Applicable income taxes | $121,000 | 5,125 |
| Income before extraordinary items | $264,000 | 7,126 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $264,000 | 7,127 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,993 |
| Cash dividends | $234,000 | 3,779 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $206,730 | 7,377 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,874,000 | 5,767 |
| Total interest expense | $455,000 | 5,918 |
| Net interest income | $1,419,000 | 5,577 |
| Provision for loan and lease losses | $12,000 | 6,242 |
| Total noninterest income | $570,000 | 3,289 |
| Gross Fiduciary activities income | $56,000 | 931 |
| Service charges on deposit accounts | $142,000 | 4,457 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $372,000 | 2,632 |
| Total noninterest expense | $1,811,000 | 4,057 |
| Salaries and employee benefits | $936,000 | 4,181 |
| Premises and equipment expense | $287,000 | 3,676 |
| Additional noninterest expense | $588,000 | 3,805 |
| Pre-tax net operating income | $166,000 | 7,446 |
| Securities gains (losses) | $41,000 | 1,579 |
| Applicable income taxes | $57,000 | 5,500 |
| Income before extraordinary items | $150,000 | 7,327 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $150,000 | 7,327 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,531 |
| Cash dividends | $109,000 | 4,116 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $120,480 | 7,519 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $929,000 | 5,823 |
| Total interest expense | $227,000 | 5,978 |
| Net interest income | $702,000 | 5,623 |
| Provision for loan and lease losses | $3,000 | 6,219 |
| Total noninterest income | $280,000 | 3,264 |
| Gross Fiduciary activities income | $31,000 | 915 |
| Service charges on deposit accounts | $66,000 | 4,552 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $183,000 | 2,624 |
| Total noninterest expense | $914,000 | 4,039 |
| Salaries and employee benefits | $460,000 | 4,274 |
| Premises and equipment expense | $148,000 | 3,623 |
| Additional noninterest expense | $306,000 | 3,687 |
| Pre-tax net operating income | $65,000 | 7,680 |
| Securities gains (losses) | $41,000 | 1,311 |
| Applicable income taxes | $35,000 | 5,238 |
| Income before extraordinary items | $71,000 | 7,395 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $71,000 | 7,397 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $74,000 | 3,166 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $43,530 | 7,853 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,098,000 | 5,552 |
| Total interest expense | $1,240,000 | 5,466 |
| Net interest income | $2,858,000 | 5,455 |
| Provision for loan and lease losses | $39,000 | 6,564 |
| Total noninterest income | $1,094,000 | 3,517 |
| Gross Fiduciary activities income | $122,000 | 921 |
| Service charges on deposit accounts | $288,000 | 4,396 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $684,000 | 3,008 |
| Total noninterest expense | $3,469,000 | 4,152 |
| Salaries and employee benefits | $1,626,000 | 4,583 |
| Premises and equipment expense | $555,000 | 3,745 |
| Additional noninterest expense | $1,288,000 | 3,519 |
| Pre-tax net operating income | $444,000 | 6,860 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $71,000 | 6,025 |
| Income before extraordinary items | $373,000 | 6,929 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $373,000 | 6,932 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 4,292 |
| Cash dividends | $138,000 | 5,318 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $373,000 | 6,780 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,153,000 | 5,523 |
| Total interest expense | $986,000 | 5,427 |
| Net interest income | $2,167,000 | 5,451 |
| Provision for loan and lease losses | $39,000 | 6,166 |
| Total noninterest income | $827,000 | 3,560 |
| Gross Fiduciary activities income | $90,000 | 925 |
| Service charges on deposit accounts | $212,000 | 4,456 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $525,000 | 3,043 |
| Total noninterest expense | $2,584,000 | 4,150 |
| Salaries and employee benefits | $1,260,000 | 4,457 |
| Premises and equipment expense | $413,000 | 3,763 |
| Additional noninterest expense | $911,000 | 3,687 |
| Pre-tax net operating income | $371,000 | 6,840 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $125,000 | 5,331 |
| Income before extraordinary items | $246,000 | 7,279 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $246,000 | 7,281 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 3,234 |
| Cash dividends | $77,000 | 4,916 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $246,000 | 7,117 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,158,000 | 5,490 |
| Total interest expense | $699,000 | 5,353 |
| Net interest income | $1,459,000 | 5,413 |
| Provision for loan and lease losses | $36,000 | 5,560 |
| Total noninterest income | $526,000 | 3,639 |
| Gross Fiduciary activities income | $67,000 | 914 |
| Service charges on deposit accounts | $139,000 | 4,465 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $320,000 | 3,172 |
| Total noninterest expense | $1,733,000 | 4,131 |
| Salaries and employee benefits | $845,000 | 4,449 |
| Premises and equipment expense | $278,000 | 3,714 |
| Additional noninterest expense | $610,000 | 3,656 |
| Pre-tax net operating income | $216,000 | 7,078 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $73,000 | 5,513 |
| Income before extraordinary items | $143,000 | 7,514 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $143,000 | 7,517 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 2,834 |
| Cash dividends | $77,000 | 4,489 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $143,000 | 7,329 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,107,000 | 5,418 |
| Total interest expense | $375,000 | 5,223 |
| Net interest income | $732,000 | 5,398 |
| Provision for loan and lease losses | $36,000 | 4,248 |
| Total noninterest income | $221,000 | 3,918 |
| Gross Fiduciary activities income | $23,000 | 994 |
| Service charges on deposit accounts | $66,000 | 4,513 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $132,000 | 3,437 |
| Total noninterest expense | $870,000 | 4,102 |
| Salaries and employee benefits | $432,000 | 4,377 |
| Premises and equipment expense | $142,000 | 3,648 |
| Additional noninterest expense | $296,000 | 3,686 |
| Pre-tax net operating income | $47,000 | 8,037 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $16,000 | 6,250 |
| Income before extraordinary items | $31,000 | 8,259 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $31,000 | 8,258 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 2,205 |
| Cash dividends | $15,000 | 3,785 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $31,000 | 8,128 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,017,000 | 5,158 |
| Total interest expense | $2,055,000 | 4,698 |
| Net interest income | $2,962,000 | 5,324 |
| Provision for loan and lease losses | $71,000 | 6,274 |
| Total noninterest income | $1,053,000 | 3,364 |
| Gross Fiduciary activities income | $124,000 | 945 |
| Service charges on deposit accounts | $251,000 | 4,679 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $678,000 | 2,754 |
| Total noninterest expense | $3,424,000 | 4,042 |
| Salaries and employee benefits | $1,669,000 | 4,323 |
| Premises and equipment expense | $559,000 | 3,621 |
| Additional noninterest expense | $1,196,000 | 3,615 |
| Pre-tax net operating income | $520,000 | 6,696 |
| Securities gains (losses) | $71,000 | 2,079 |
| Applicable income taxes | $191,000 | 5,179 |
| Income before extraordinary items | $400,000 | 6,848 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $400,000 | 6,847 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 4,350 |
| Cash dividends | $123,000 | 5,391 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $351,720 | 6,944 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,317,000 | 4,776 |
| Total interest expense | $3,537,000 | 4,172 |
| Net interest income | $2,780,000 | 5,337 |
| Provision for loan and lease losses | $104,000 | 5,529 |
| Total noninterest income | $933,000 | 3,503 |
| Gross Fiduciary activities income | $99,000 | 999 |
| Service charges on deposit accounts | $234,000 | 4,797 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $600,000 | 2,831 |
| Total noninterest expense | $3,275,000 | 4,048 |
| Salaries and employee benefits | $1,555,000 | 4,386 |
| Premises and equipment expense | $564,000 | 3,543 |
| Additional noninterest expense | $1,156,000 | 3,618 |
| Pre-tax net operating income | $334,000 | 7,259 |
| Securities gains (losses) | $127,000 | 1,550 |
| Applicable income taxes | $160,000 | 5,355 |
| Income before extraordinary items | $301,000 | 7,136 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $301,000 | 7,137 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $155,000 | 3,316 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $218,450 | 7,488 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,980,000 | 4,598 |
| Total interest expense | $3,897,000 | 4,053 |
| Net interest income | $3,083,000 | 5,053 |
| Provision for loan and lease losses | $499,000 | 1,884 |
| Total noninterest income | $743,000 | 3,842 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $184,000 | 5,315 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $559,000 | 2,754 |
| Total noninterest expense | $3,302,000 | 3,904 |
| Salaries and employee benefits | $1,468,000 | 4,433 |
| Premises and equipment expense | $319,000 | 5,237 |
| Additional noninterest expense | $1,515,000 | 2,791 |
| Pre-tax net operating income | $25,000 | 9,040 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-21,000 | 9,381 |
| Income before extraordinary items | $46,000 | 8,973 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $46,000 | 8,972 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $380,000 | 1,538 |
| Cash dividends | $372,000 | 4,104 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $46,000 | 8,957 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,006,000 | 4,397 |
| Total interest expense | $3,644,000 | 3,900 |
| Net interest income | $3,362,000 | 4,769 |
| Provision for loan and lease losses | $181,000 | 3,755 |
| Total noninterest income | $645,000 | 4,219 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $170,000 | 5,531 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $475,000 | 3,050 |
| Total noninterest expense | $2,755,000 | 4,529 |
| Salaries and employee benefits | $1,272,000 | 4,948 |
| Premises and equipment expense | $278,000 | 5,710 |
| Additional noninterest expense | $1,205,000 | 3,420 |
| Pre-tax net operating income | $1,071,000 | 5,101 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $384,000 | 4,270 |
| Income before extraordinary items | $687,000 | 5,516 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $687,000 | 5,513 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $195,000 | 2,435 |
| Cash dividends | $779,000 | 2,721 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $687,000 | 5,480 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,041,000 | 4,374 |
| Total interest expense | $3,675,000 | 3,957 |
| Net interest income | $3,366,000 | 4,739 |
| Provision for loan and lease losses | $243,000 | 3,049 |
| Total noninterest income | $502,000 | 4,918 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $158,000 | 5,783 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $344,000 | 3,734 |
| Total noninterest expense | $2,231,000 | 5,163 |
| Salaries and employee benefits | $1,192,000 | 5,090 |
| Premises and equipment expense | $224,000 | 6,354 |
| Additional noninterest expense | $815,000 | 4,618 |
| Pre-tax net operating income | $1,394,000 | 4,413 |
| Securities gains (losses) | $51,000 | 1,715 |
| Applicable income taxes | $511,000 | 3,783 |
| Income before extraordinary items | $934,000 | 4,707 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $934,000 | 4,707 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $150,000 | 2,917 |
| Cash dividends | $333,000 | 4,349 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $900,850 | 4,728 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,001,000 | 5,078 |
| Total interest expense | $2,900,000 | 4,863 |
| Net interest income | $3,101,000 | 5,167 |
| Provision for loan and lease losses | $173,000 | 3,830 |
| Total noninterest income | $417,000 | 5,594 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $156,000 | 6,073 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $261,000 | 4,266 |
| Total noninterest expense | $2,029,000 | 5,609 |
| Salaries and employee benefits | $1,076,000 | 5,568 |
| Premises and equipment expense | $217,000 | 6,538 |
| Additional noninterest expense | $736,000 | 5,029 |
| Pre-tax net operating income | $1,316,000 | 4,919 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $452,000 | 4,520 |
| Income before extraordinary items | $864,000 | 5,204 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $864,000 | 5,206 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 4,246 |
| Cash dividends | $326,000 | 4,372 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $864,000 | 5,142 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,262,000 | 5,707 |
| Total interest expense | $2,375,000 | 5,718 |
| Net interest income | $2,887,000 | 5,599 |
| Provision for loan and lease losses | $173,000 | 3,789 |
| Total noninterest income | $385,000 | 6,077 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $178,000 | 5,952 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $207,000 | 5,068 |
| Total noninterest expense | $1,969,000 | 6,002 |
| Salaries and employee benefits | $984,000 | 6,067 |
| Premises and equipment expense | $213,000 | 6,804 |
| Additional noninterest expense | $772,000 | 5,340 |
| Pre-tax net operating income | $1,130,000 | 5,318 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $376,000 | 5,092 |
| Income before extraordinary items | $754,000 | 5,508 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $754,000 | 5,509 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 4,119 |
| Cash dividends | $317,000 | 4,392 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $754,000 | 5,454 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,467,000 | 6,490 |
| Total interest expense | $1,881,000 | 6,719 |
| Net interest income | $2,586,000 | 6,156 |
| Provision for loan and lease losses | $97,000 | 4,705 |
| Total noninterest income | $349,000 | 6,495 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $154,000 | 6,588 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $195,000 | 5,205 |
| Total noninterest expense | $1,814,000 | 6,422 |
| Salaries and employee benefits | $871,000 | 6,701 |
| Premises and equipment expense | $208,000 | 7,042 |
| Additional noninterest expense | $735,000 | 5,627 |
| Pre-tax net operating income | $1,024,000 | 5,901 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $333,000 | 5,623 |
| Income before extraordinary items | $691,000 | 6,052 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $691,000 | 6,050 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,712 |
| Cash dividends | $298,000 | 4,607 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $691,000 | 6,026 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,537,000 | 7,276 |
| Total interest expense | $1,222,000 | 7,813 |
| Net interest income | $2,315,000 | 6,836 |
| Provision for loan and lease losses | $82,000 | 4,991 |
| Total noninterest income | $310,000 | 7,119 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $155,000 | 6,770 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $155,000 | 6,118 |
| Total noninterest expense | $1,598,000 | 7,308 |
| Salaries and employee benefits | $759,000 | 7,452 |
| Premises and equipment expense | $178,000 | 7,891 |
| Additional noninterest expense | $661,000 | 6,597 |
| Pre-tax net operating income | $945,000 | 6,189 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $286,000 | 6,044 |
| Income before extraordinary items | $659,000 | 6,151 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $659,000 | 6,172 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 6,205 |
| Cash dividends | $285,000 | 4,641 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $659,000 | 6,226 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,304,000 | 7,833 |
| Total interest expense | $1,226,000 | 8,158 |
| Net interest income | $2,078,000 | 7,461 |
| Provision for loan and lease losses | $74,000 | 6,518 |
| Total noninterest income | $274,000 | 8,008 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $164,000 | 6,750 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $110,000 | 7,578 |
| Total noninterest expense | $1,359,000 | 8,303 |
| Salaries and employee benefits | $613,000 | 8,694 |
| Premises and equipment expense | $162,000 | 8,585 |
| Additional noninterest expense | $584,000 | 7,479 |
| Pre-tax net operating income | $919,000 | 6,261 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $280,000 | 6,335 |
| Income before extraordinary items | $639,000 | 6,502 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $639,000 | 6,662 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 5,874 |
| Cash dividends | $282,000 | 4,581 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $639,000 | 6,256 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,488,000 | 8,201 |
| Total interest expense | $1,480,000 | 8,569 |
| Net interest income | $2,008,000 | 7,736 |
| Provision for loan and lease losses | $116,000 | 6,901 |
| Total noninterest income | $251,000 | 8,474 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $161,000 | 6,843 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $90,000 | 8,441 |
| Total noninterest expense | $1,215,000 | 8,977 |
| Salaries and employee benefits | $542,000 | 9,347 |
| Premises and equipment expense | $124,000 | 9,888 |
| Additional noninterest expense | $549,000 | 7,997 |
| Pre-tax net operating income | $928,000 | 5,956 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $318,000 | 5,709 |
| Income before extraordinary items | $610,000 | 6,503 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $610,000 | 6,581 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 9,354 |
| Cash dividends | $275,000 | 4,239 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $610,000 | 6,136 |
* 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.