Home > Farmers & Merchants Bank - Eastern Shore > Income and Expense
Farmers & Merchants Bank - Eastern Shore, Income and Expense
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $7,224,000 | 1,938 |
| Total interest expense | $1,303,000 | 2,889 |
| Net interest income | $5,921,000 | 1,692 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $674,000 | 2,915 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $449,000 | 1,926 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $225,000 | 3,524 |
| Total noninterest expense | $3,333,000 | 2,391 |
| Salaries and employee benefits | $1,715,000 | 2,504 |
| Premises and equipment expense | $318,000 | 3,391 |
| Additional noninterest expense | $1,300,000 | 1,837 |
| Pre-tax net operating income | $3,262,000 | 1,308 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $1,067,000 | 1,213 |
| Income before extraordinary items | $2,195,000 | 1,462 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,195,000 | 1,463 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 2,718 |
| Cash dividends | $1,901,000 | 737 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,195,000 | 1,408 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,695,000 | 1,907 |
| Total interest expense | $651,000 | 2,929 |
| Net interest income | $3,044,000 | 1,639 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $319,000 | 2,978 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $218,000 | 1,921 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $101,000 | 3,702 |
| Total noninterest expense | $1,705,000 | 2,334 |
| Salaries and employee benefits | $869,000 | 2,497 |
| Premises and equipment expense | $164,000 | 3,328 |
| Additional noninterest expense | $672,000 | 1,765 |
| Pre-tax net operating income | $1,658,000 | 1,275 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $542,000 | 1,224 |
| Income before extraordinary items | $1,116,000 | 1,434 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,116,000 | 1,434 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 2,212 |
| Cash dividends | $806,000 | 794 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,116,000 | 1,360 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $14,550,000 | 1,950 |
| Total interest expense | $2,976,000 | 2,893 |
| Net interest income | $11,574,000 | 1,678 |
| Provision for loan and lease losses | $90,000 | 5,469 |
| Total noninterest income | $1,241,000 | 3,230 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $858,000 | 2,000 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $383,000 | 4,061 |
| Total noninterest expense | $6,435,000 | 2,444 |
| Salaries and employee benefits | $3,352,000 | 2,508 |
| Premises and equipment expense | $687,000 | 3,125 |
| Additional noninterest expense | $2,396,000 | 2,007 |
| Pre-tax net operating income | $6,290,000 | 1,311 |
| Securities gains (losses) | $112,000 | 1,795 |
| Applicable income taxes | $2,381,000 | 1,115 |
| Income before extraordinary items | $4,021,000 | 1,561 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $4,021,000 | 1,563 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $357,000 | 2,006 |
| Cash dividends | $20,237,000 | 238 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,949,320 | 1,509 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $10,933,000 | 1,972 |
| Total interest expense | $2,304,000 | 2,902 |
| Net interest income | $8,629,000 | 1,701 |
| Provision for loan and lease losses | $90,000 | 4,812 |
| Total noninterest income | $920,000 | 3,318 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $628,000 | 2,057 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $292,000 | 4,087 |
| Total noninterest expense | $4,766,000 | 2,467 |
| Salaries and employee benefits | $2,495,000 | 2,525 |
| Premises and equipment expense | $511,000 | 3,160 |
| Additional noninterest expense | $1,760,000 | 2,034 |
| Pre-tax net operating income | $4,693,000 | 1,379 |
| Securities gains (losses) | $112,000 | 1,654 |
| Applicable income taxes | $1,824,000 | 1,131 |
| Income before extraordinary items | $2,981,000 | 1,616 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,981,000 | 1,615 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $354,000 | 1,533 |
| Cash dividends | $19,582,000 | 201 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,909,320 | 1,571 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $7,394,000 | 1,964 |
| Total interest expense | $1,603,000 | 2,867 |
| Net interest income | $5,791,000 | 1,685 |
| Provision for loan and lease losses | $90,000 | 4,018 |
| Total noninterest income | $599,000 | 3,352 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $407,000 | 2,068 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $192,000 | 4,111 |
| Total noninterest expense | $3,185,000 | 2,470 |
| Salaries and employee benefits | $1,658,000 | 2,533 |
| Premises and equipment expense | $339,000 | 3,164 |
| Additional noninterest expense | $1,188,000 | 2,018 |
| Pre-tax net operating income | $3,115,000 | 1,377 |
| Securities gains (losses) | $112,000 | 1,417 |
| Applicable income taxes | $1,224,000 | 1,156 |
| Income before extraordinary items | $2,003,000 | 1,619 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,003,000 | 1,619 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $359,000 | 1,091 |
| Cash dividends | $1,490,000 | 952 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,931,320 | 1,573 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,676,000 | 1,990 |
| Total interest expense | $862,000 | 2,742 |
| Net interest income | $2,814,000 | 1,727 |
| Provision for loan and lease losses | $45,000 | 3,818 |
| Total noninterest income | $316,000 | 3,135 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $196,000 | 2,059 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $120,000 | 3,603 |
| Total noninterest expense | $1,583,000 | 2,453 |
| Salaries and employee benefits | $827,000 | 2,543 |
| Premises and equipment expense | $168,000 | 3,178 |
| Additional noninterest expense | $588,000 | 2,000 |
| Pre-tax net operating income | $1,502,000 | 1,429 |
| Securities gains (losses) | $112,000 | 936 |
| Applicable income taxes | $603,000 | 1,183 |
| Income before extraordinary items | $1,011,000 | 1,591 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,011,000 | 1,590 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $350,000 | 627 |
| Cash dividends | $785,000 | 843 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $939,320 | 1,592 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $15,279,000 | 2,012 |
| Total interest expense | $4,453,000 | 2,496 |
| Net interest income | $10,826,000 | 1,789 |
| Provision for loan and lease losses | $135,000 | 5,121 |
| Total noninterest income | $1,135,000 | 3,185 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $775,000 | 2,062 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $360,000 | 3,889 |
| Total noninterest expense | $5,897,000 | 2,500 |
| Salaries and employee benefits | $3,085,000 | 2,557 |
| Premises and equipment expense | $620,000 | 3,317 |
| Additional noninterest expense | $2,192,000 | 2,119 |
| Pre-tax net operating income | $5,929,000 | 1,412 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $2,191,000 | 1,195 |
| Income before extraordinary items | $3,738,000 | 1,603 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,738,000 | 1,603 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 5,634 |
| Cash dividends | $2,701,000 | 1,012 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,738,000 | 1,556 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $17,507,000 | 1,952 |
| Total interest expense | $6,301,000 | 2,540 |
| Net interest income | $11,206,000 | 1,585 |
| Provision for loan and lease losses | $180,000 | 4,345 |
| Total noninterest income | $1,314,000 | 2,754 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $726,000 | 2,076 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $588,000 | 2,864 |
| Total noninterest expense | $6,193,000 | 2,303 |
| Salaries and employee benefits | $3,087,000 | 2,440 |
| Premises and equipment expense | $631,000 | 3,232 |
| Additional noninterest expense | $2,475,000 | 1,848 |
| Pre-tax net operating income | $6,147,000 | 1,219 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $2,277,000 | 1,057 |
| Income before extraordinary items | $3,870,000 | 1,403 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $3,870,000 | 1,402 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,793 |
| Cash dividends | $3,037,000 | 908 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $3,870,000 | 1,346 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $18,225,000 | 1,924 |
| Total interest expense | $6,538,000 | 2,557 |
| Net interest income | $11,687,000 | 1,502 |
| Provision for loan and lease losses | $228,000 | 3,468 |
| Total noninterest income | $1,037,000 | 3,050 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $691,000 | 2,005 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $346,000 | 3,640 |
| Total noninterest expense | $6,023,000 | 2,271 |
| Salaries and employee benefits | $3,388,000 | 2,111 |
| Premises and equipment expense | $596,000 | 3,296 |
| Additional noninterest expense | $2,039,000 | 2,115 |
| Pre-tax net operating income | $6,473,000 | 1,155 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $2,330,000 | 1,021 |
| Income before extraordinary items | $4,143,000 | 1,259 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $4,143,000 | 1,262 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $99,000 | 3,598 |
| Cash dividends | $2,844,000 | 1,012 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $4,143,000 | 1,255 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $15,884,000 | 2,045 |
| Total interest expense | $5,323,000 | 2,751 |
| Net interest income | $10,561,000 | 1,649 |
| Provision for loan and lease losses | $120,000 | 4,720 |
| Total noninterest income | $924,000 | 3,290 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $608,000 | 2,194 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $316,000 | 3,900 |
| Total noninterest expense | $5,160,000 | 2,618 |
| Salaries and employee benefits | $2,887,000 | 2,428 |
| Premises and equipment expense | $603,000 | 3,240 |
| Additional noninterest expense | $1,670,000 | 2,579 |
| Pre-tax net operating income | $6,205,000 | 1,242 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $2,202,000 | 1,130 |
| Income before extraordinary items | $4,003,000 | 1,351 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,003,000 | 1,351 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 3,383 |
| Cash dividends | $2,751,000 | 1,045 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $4,003,000 | 1,331 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $13,991,000 | 2,326 |
| Total interest expense | $4,644,000 | 3,204 |
| Net interest income | $9,347,000 | 1,830 |
| Provision for loan and lease losses | $67,000 | 5,949 |
| Total noninterest income | $630,000 | 4,251 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $389,000 | 3,208 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $241,000 | 4,503 |
| Total noninterest expense | $4,100,000 | 3,150 |
| Salaries and employee benefits | $2,729,000 | 2,476 |
| Premises and equipment expense | $432,000 | 4,156 |
| Additional noninterest expense | $939,000 | 4,160 |
| Pre-tax net operating income | $5,810,000 | 1,292 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $2,095,000 | 1,208 |
| Income before extraordinary items | $3,715,000 | 1,420 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $3,715,000 | 1,419 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-219,000 | 10,359 |
| Cash dividends | $2,241,000 | 1,225 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $3,715,000 | 1,363 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $11,695,000 | 2,802 |
| Total interest expense | $4,064,000 | 3,620 |
| Net interest income | $7,631,000 | 2,299 |
| Provision for loan and lease losses | $1,368,000 | 780 |
| Total noninterest income | $568,000 | 4,583 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $339,000 | 3,719 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $229,000 | 4,621 |
| Total noninterest expense | $3,703,000 | 3,412 |
| Salaries and employee benefits | $2,220,000 | 2,983 |
| Premises and equipment expense | $419,000 | 4,285 |
| Additional noninterest expense | $1,064,000 | 3,684 |
| Pre-tax net operating income | $3,128,000 | 2,394 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,029,000 | 2,374 |
| Income before extraordinary items | $2,099,000 | 2,479 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,099,000 | 2,478 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,120,000 | 739 |
| Cash dividends | $1,771,000 | 1,430 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,099,000 | 2,420 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $11,756,000 | 2,809 |
| Total interest expense | $4,050,000 | 3,665 |
| Net interest income | $7,706,000 | 2,337 |
| Provision for loan and lease losses | $389,000 | 2,149 |
| Total noninterest income | $538,000 | 4,916 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $328,000 | 3,960 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $210,000 | 5,032 |
| Total noninterest expense | $3,465,000 | 3,805 |
| Salaries and employee benefits | $2,258,000 | 2,961 |
| Premises and equipment expense | $435,000 | 4,245 |
| Additional noninterest expense | $772,000 | 5,340 |
| Pre-tax net operating income | $4,390,000 | 1,647 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $1,462,000 | 1,635 |
| Income before extraordinary items | $2,928,000 | 1,698 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,928,000 | 1,699 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 5,752 |
| Cash dividends | $2,067,000 | 1,246 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,928,000 | 1,662 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $11,458,000 | 2,908 |
| Total interest expense | $4,059,000 | 3,630 |
| Net interest income | $7,399,000 | 2,434 |
| Provision for loan and lease losses | $323,000 | 2,172 |
| Total noninterest income | $592,000 | 4,620 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $346,000 | 3,807 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $246,000 | 4,530 |
| Total noninterest expense | $3,536,000 | 3,709 |
| Salaries and employee benefits | $2,145,000 | 3,100 |
| Premises and equipment expense | $488,000 | 3,837 |
| Additional noninterest expense | $903,000 | 4,751 |
| Pre-tax net operating income | $4,132,000 | 1,790 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $1,360,000 | 1,794 |
| Income before extraordinary items | $2,772,000 | 1,816 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,772,000 | 1,815 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 6,445 |
| Cash dividends | $1,361,000 | 1,614 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,772,000 | 1,795 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $10,571,000 | 2,870 |
| Total interest expense | $3,603,000 | 3,365 |
| Net interest income | $6,968,000 | 2,590 |
| Provision for loan and lease losses | $404,000 | 1,810 |
| Total noninterest income | $621,000 | 4,544 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $343,000 | 3,908 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $278,000 | 4,315 |
| Total noninterest expense | $3,508,000 | 3,841 |
| Salaries and employee benefits | $1,991,000 | 3,299 |
| Premises and equipment expense | $484,000 | 3,911 |
| Additional noninterest expense | $1,033,000 | 4,590 |
| Pre-tax net operating income | $3,677,000 | 1,938 |
| Securities gains (losses) | $1,000 | 3,293 |
| Applicable income taxes | $1,210,000 | 1,865 |
| Income before extraordinary items | $2,468,000 | 1,981 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,468,000 | 1,980 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 10,867 |
| Cash dividends | $950,000 | 2,006 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,467,330 | 1,986 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $10,667,000 | 2,905 |
| Total interest expense | $4,110,000 | 3,091 |
| Net interest income | $6,557,000 | 2,746 |
| Provision for loan and lease losses | $454,000 | 2,247 |
| Total noninterest income | $747,000 | 4,227 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $337,000 | 4,010 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $410,000 | 3,697 |
| Total noninterest expense | $3,541,000 | 3,870 |
| Salaries and employee benefits | $1,973,000 | 3,330 |
| Premises and equipment expense | $514,000 | 3,767 |
| Additional noninterest expense | $1,054,000 | 4,699 |
| Pre-tax net operating income | $3,309,000 | 2,053 |
| Securities gains (losses) | $16,000 | 4,943 |
| Applicable income taxes | $1,096,000 | 2,075 |
| Income before extraordinary items | $2,229,000 | 2,243 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,229,000 | 2,322 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $544,000 | 1,685 |
| Cash dividends | $908,000 | 1,921 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,218,280 | 2,122 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $11,700,000 | 3,003 |
| Total interest expense | $5,173,000 | 3,218 |
| Net interest income | $6,527,000 | 2,808 |
| Provision for loan and lease losses | $290,000 | 4,227 |
| Total noninterest income | $531,000 | 5,413 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $299,000 | 4,456 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $232,000 | 5,208 |
| Total noninterest expense | $3,415,000 | 4,020 |
| Salaries and employee benefits | $1,918,000 | 3,328 |
| Premises and equipment expense | $585,000 | 3,441 |
| Additional noninterest expense | $912,000 | 5,456 |
| Pre-tax net operating income | $3,353,000 | 1,846 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $1,034,000 | 2,043 |
| Income before extraordinary items | $2,319,000 | 1,979 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,319,000 | 2,009 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $117,000 | 5,509 |
| Cash dividends | $893,000 | 1,720 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,319,000 | 1,826 |
* 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.