Home > Farmers & Merchants State Bank > Income and Expense
Farmers & Merchants State Bank, Income and Expense
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $471,000 | 8,619 |
| Total interest expense | $102,000 | 8,599 |
| Net interest income | $369,000 | 8,590 |
| Provision for loan and lease losses | $27,000 | 5,913 |
| Total noninterest income | $167,000 | 6,923 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $162,000 | 4,916 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $5,000 | 8,551 |
| Total noninterest expense | $424,000 | 8,466 |
| Salaries and employee benefits | $243,000 | 8,419 |
| Premises and equipment expense | $57,000 | 8,168 |
| Additional noninterest expense | $124,000 | 8,420 |
| Pre-tax net operating income | $85,000 | 8,073 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $3,000 | 6,760 |
| Income before extraordinary items | $82,000 | 8,050 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $82,000 | 8,049 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 4,089 |
| Cash dividends | $62,000 | 4,938 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $82,000 | 8,020 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $316,000 | 8,623 |
| Total interest expense | $66,000 | 8,605 |
| Net interest income | $250,000 | 8,595 |
| Provision for loan and lease losses | $17,000 | 5,817 |
| Total noninterest income | $111,000 | 6,907 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $110,000 | 4,838 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,000 | 8,662 |
| Total noninterest expense | $281,000 | 8,482 |
| Salaries and employee benefits | $162,000 | 8,435 |
| Premises and equipment expense | $34,000 | 8,261 |
| Additional noninterest expense | $85,000 | 8,380 |
| Pre-tax net operating income | $63,000 | 8,068 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $3,000 | 6,722 |
| Income before extraordinary items | $60,000 | 8,033 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $60,000 | 8,033 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 3,271 |
| Cash dividends | $46,000 | 4,776 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $60,000 | 8,001 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $156,000 | 8,705 |
| Total interest expense | $32,000 | 8,681 |
| Net interest income | $124,000 | 8,678 |
| Provision for loan and lease losses | $3,000 | 5,957 |
| Total noninterest income | $60,000 | 6,751 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $55,000 | 4,780 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $5,000 | 8,232 |
| Total noninterest expense | $142,000 | 8,529 |
| Salaries and employee benefits | $80,000 | 8,506 |
| Premises and equipment expense | $18,000 | 8,281 |
| Additional noninterest expense | $44,000 | 8,407 |
| Pre-tax net operating income | $39,000 | 8,034 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $39,000 | 7,945 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $39,000 | 7,946 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 2,584 |
| Cash dividends | $30,000 | 3,623 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $39,000 | 7,918 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $598,000 | 8,705 |
| Total interest expense | $143,000 | 8,630 |
| Net interest income | $455,000 | 8,691 |
| Provision for loan and lease losses | $113,000 | 4,813 |
| Total noninterest income | $210,000 | 7,069 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $194,000 | 5,290 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $16,000 | 8,340 |
| Total noninterest expense | $596,000 | 8,529 |
| Salaries and employee benefits | $319,000 | 8,553 |
| Premises and equipment expense | $73,000 | 8,310 |
| Additional noninterest expense | $204,000 | 8,281 |
| Pre-tax net operating income | $-44,000 | 8,446 |
| Securities gains (losses) | $35,000 | 2,001 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $-9,000 | 8,446 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-9,000 | 8,448 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 3,699 |
| Cash dividends | $75,000 | 5,663 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-44,000 | 8,457 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $451,000 | 8,757 |
| Total interest expense | $110,000 | 8,674 |
| Net interest income | $341,000 | 8,737 |
| Provision for loan and lease losses | $113,000 | 4,082 |
| Total noninterest income | $156,000 | 7,115 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $148,000 | 5,291 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $8,000 | 8,558 |
| Total noninterest expense | $459,000 | 8,491 |
| Salaries and employee benefits | $240,000 | 8,567 |
| Premises and equipment expense | $61,000 | 8,191 |
| Additional noninterest expense | $158,000 | 8,257 |
| Pre-tax net operating income | $-75,000 | 8,581 |
| Securities gains (losses) | $35,000 | 1,930 |
| Applicable income taxes | $7,000 | 6,881 |
| Income before extraordinary items | $-47,000 | 8,575 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-47,000 | 8,578 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 2,863 |
| Cash dividends | $56,000 | 4,949 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-82,000 | 8,582 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $302,000 | 8,821 |
| Total interest expense | $75,000 | 8,724 |
| Net interest income | $227,000 | 8,798 |
| Provision for loan and lease losses | $6,000 | 6,548 |
| Total noninterest income | $106,000 | 7,117 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $99,000 | 5,285 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $7,000 | 8,495 |
| Total noninterest expense | $303,000 | 8,552 |
| Salaries and employee benefits | $160,000 | 8,617 |
| Premises and equipment expense | $40,000 | 8,252 |
| Additional noninterest expense | $103,000 | 8,315 |
| Pre-tax net operating income | $24,000 | 8,393 |
| Securities gains (losses) | $26,000 | 1,881 |
| Applicable income taxes | $7,000 | 6,787 |
| Income before extraordinary items | $43,000 | 8,288 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $43,000 | 8,290 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,680 |
| Cash dividends | $40,000 | 4,770 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $20,640 | 8,396 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $151,000 | 8,860 |
| Total interest expense | $39,000 | 8,754 |
| Net interest income | $112,000 | 8,844 |
| Provision for loan and lease losses | $3,000 | 6,219 |
| Total noninterest income | $53,000 | 7,118 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $48,000 | 5,292 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $5,000 | 8,313 |
| Total noninterest expense | $144,000 | 8,653 |
| Salaries and employee benefits | $78,000 | 8,678 |
| Premises and equipment expense | $20,000 | 8,263 |
| Additional noninterest expense | $46,000 | 8,499 |
| Pre-tax net operating income | $18,000 | 8,342 |
| Securities gains (losses) | $26,000 | 1,575 |
| Applicable income taxes | $3,000 | 6,752 |
| Income before extraordinary items | $41,000 | 7,951 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $41,000 | 7,952 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,591 |
| Cash dividends | $16,000 | 3,739 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $16,820 | 8,320 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $678,000 | 8,836 |
| Total interest expense | $198,000 | 8,751 |
| Net interest income | $480,000 | 8,827 |
| Provision for loan and lease losses | $15,000 | 7,196 |
| Total noninterest income | $188,000 | 7,454 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $176,000 | 5,539 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $12,000 | 8,712 |
| Total noninterest expense | $569,000 | 8,724 |
| Salaries and employee benefits | $308,000 | 8,746 |
| Premises and equipment expense | $125,000 | 7,733 |
| Additional noninterest expense | $136,000 | 8,827 |
| Pre-tax net operating income | $84,000 | 8,262 |
| Securities gains (losses) | $19,000 | 3,246 |
| Applicable income taxes | $16,000 | 6,881 |
| Income before extraordinary items | $87,000 | 8,287 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $87,000 | 8,292 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 5,782 |
| Cash dividends | $68,000 | 5,795 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $71,040 | 8,267 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $519,000 | 8,912 |
| Total interest expense | $155,000 | 8,830 |
| Net interest income | $364,000 | 8,900 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $140,000 | 7,510 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $130,000 | 5,604 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $10,000 | 8,693 |
| Total noninterest expense | $430,000 | 8,730 |
| Salaries and employee benefits | $233,000 | 8,742 |
| Premises and equipment expense | $82,000 | 7,964 |
| Additional noninterest expense | $115,000 | 8,766 |
| Pre-tax net operating income | $74,000 | 8,350 |
| Securities gains (losses) | $19,000 | 2,984 |
| Applicable income taxes | $16,000 | 6,892 |
| Income before extraordinary items | $77,000 | 8,377 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $77,000 | 8,379 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 8,221 |
| Cash dividends | $51,000 | 5,090 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $61,230 | 8,350 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $350,000 | 8,950 |
| Total interest expense | $107,000 | 8,875 |
| Net interest income | $243,000 | 8,935 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $92,000 | 7,536 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $84,000 | 5,654 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $8,000 | 8,587 |
| Total noninterest expense | $288,000 | 8,726 |
| Salaries and employee benefits | $158,000 | 8,748 |
| Premises and equipment expense | $58,000 | 7,874 |
| Additional noninterest expense | $72,000 | 8,838 |
| Pre-tax net operating income | $47,000 | 8,394 |
| Securities gains (losses) | $19,000 | 2,643 |
| Applicable income taxes | $11,000 | 6,920 |
| Income before extraordinary items | $55,000 | 8,374 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $55,000 | 8,375 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 8,111 |
| Cash dividends | $34,000 | 4,920 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $39,230 | 8,392 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $181,000 | 8,995 |
| Total interest expense | $56,000 | 8,920 |
| Net interest income | $125,000 | 8,979 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $48,000 | 7,431 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $42,000 | 5,576 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $6,000 | 8,357 |
| Total noninterest expense | $155,000 | 8,693 |
| Salaries and employee benefits | $78,000 | 8,802 |
| Premises and equipment expense | $30,000 | 7,859 |
| Additional noninterest expense | $47,000 | 8,571 |
| Pre-tax net operating income | $18,000 | 8,479 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $2,000 | 7,162 |
| Income before extraordinary items | $16,000 | 8,542 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $16,000 | 8,540 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,770 |
| Cash dividends | $17,000 | 3,772 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $16,000 | 8,428 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $820,000 | 8,985 |
| Total interest expense | $291,000 | 8,908 |
| Net interest income | $529,000 | 8,969 |
| Provision for loan and lease losses | $7,000 | 7,905 |
| Total noninterest income | $188,000 | 7,441 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $174,000 | 5,541 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $14,000 | 8,747 |
| Total noninterest expense | $591,000 | 8,791 |
| Salaries and employee benefits | $302,000 | 8,891 |
| Premises and equipment expense | $114,000 | 7,964 |
| Additional noninterest expense | $175,000 | 8,718 |
| Pre-tax net operating income | $119,000 | 8,247 |
| Securities gains (losses) | $112,000 | 1,634 |
| Applicable income taxes | $64,000 | 6,357 |
| Income before extraordinary items | $167,000 | 8,004 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $167,000 | 8,005 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,261 |
| Cash dividends | $99,000 | 5,623 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $86,360 | 8,307 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $960,000 | 9,183 |
| Total interest expense | $459,000 | 9,085 |
| Net interest income | $501,000 | 9,188 |
| Provision for loan and lease losses | $10,000 | 7,930 |
| Total noninterest income | $184,000 | 7,475 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $166,000 | 5,565 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $18,000 | 8,807 |
| Total noninterest expense | $557,000 | 9,040 |
| Salaries and employee benefits | $308,000 | 9,027 |
| Premises and equipment expense | $111,000 | 8,127 |
| Additional noninterest expense | $138,000 | 9,142 |
| Pre-tax net operating income | $118,000 | 8,251 |
| Securities gains (losses) | $4,000 | 4,008 |
| Applicable income taxes | $21,000 | 7,291 |
| Income before extraordinary items | $101,000 | 8,325 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $101,000 | 8,323 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,796 |
| Cash dividends | $93,000 | 5,825 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $97,680 | 8,248 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,003,000 | 9,393 |
| Total interest expense | $438,000 | 9,357 |
| Net interest income | $565,000 | 9,341 |
| Provision for loan and lease losses | $12,000 | 7,853 |
| Total noninterest income | $182,000 | 7,459 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $167,000 | 5,526 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $15,000 | 9,181 |
| Total noninterest expense | $559,000 | 9,219 |
| Salaries and employee benefits | $314,000 | 9,193 |
| Premises and equipment expense | $92,000 | 8,578 |
| Additional noninterest expense | $153,000 | 9,212 |
| Pre-tax net operating income | $176,000 | 8,470 |
| Securities gains (losses) | $1,000 | 1,732 |
| Applicable income taxes | $24,000 | 7,748 |
| Income before extraordinary items | $153,000 | 8,403 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $153,000 | 8,402 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,044 |
| Cash dividends | $96,000 | 6,018 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $152,140 | 8,410 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $948,000 | 9,657 |
| Total interest expense | $416,000 | 9,614 |
| Net interest income | $532,000 | 9,634 |
| Provision for loan and lease losses | $9,000 | 8,193 |
| Total noninterest income | $190,000 | 7,612 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $173,000 | 5,490 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 9,383 |
| Total noninterest expense | $537,000 | 9,513 |
| Salaries and employee benefits | $313,000 | 9,393 |
| Premises and equipment expense | $84,000 | 8,949 |
| Additional noninterest expense | $140,000 | 9,603 |
| Pre-tax net operating income | $176,000 | 8,690 |
| Securities gains (losses) | $2,000 | 2,566 |
| Applicable income taxes | $35,000 | 7,904 |
| Income before extraordinary items | $143,000 | 8,688 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $143,000 | 8,687 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 5,975 |
| Cash dividends | $106,000 | 6,022 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $141,400 | 8,662 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $945,000 | 9,897 |
| Total interest expense | $436,000 | 9,831 |
| Net interest income | $509,000 | 9,902 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $165,000 | 8,020 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $149,000 | 5,953 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $16,000 | 9,678 |
| Total noninterest expense | $565,000 | 9,567 |
| Salaries and employee benefits | $318,000 | 9,509 |
| Premises and equipment expense | $85,000 | 9,045 |
| Additional noninterest expense | $162,000 | 9,542 |
| Pre-tax net operating income | $109,000 | 9,380 |
| Securities gains (losses) | $39,000 | 1,926 |
| Applicable income taxes | $19,000 | 8,905 |
| Income before extraordinary items | $129,000 | 9,122 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $129,000 | 9,119 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,985 |
| Cash dividends | $87,000 | 6,425 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $95,070 | 9,308 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $939,000 | 10,365 |
| Total interest expense | $418,000 | 10,301 |
| Net interest income | $521,000 | 10,337 |
| Provision for loan and lease losses | $-4,000 | 10,589 |
| Total noninterest income | $184,000 | 8,064 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $164,000 | 5,915 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 9,849 |
| Total noninterest expense | $550,000 | 9,935 |
| Salaries and employee benefits | $318,000 | 9,823 |
| Premises and equipment expense | $91,000 | 9,188 |
| Additional noninterest expense | $141,000 | 10,108 |
| Pre-tax net operating income | $159,000 | 9,796 |
| Securities gains (losses) | $20,000 | 1,883 |
| Applicable income taxes | $18,000 | 9,756 |
| Income before extraordinary items | $161,000 | 9,486 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $161,000 | 9,488 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,548 |
| Cash dividends | $481,000 | 3,591 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $143,000 | 9,601 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $929,000 | 10,901 |
| Total interest expense | $404,000 | 10,865 |
| Net interest income | $525,000 | 10,838 |
| Provision for loan and lease losses | $-7,000 | 11,081 |
| Total noninterest income | $177,000 | 8,571 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $161,000 | 6,268 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $16,000 | 10,642 |
| Total noninterest expense | $562,000 | 10,351 |
| Salaries and employee benefits | $306,000 | 10,300 |
| Premises and equipment expense | $111,000 | 8,998 |
| Additional noninterest expense | $145,000 | 10,597 |
| Pre-tax net operating income | $147,000 | 10,099 |
| Securities gains (losses) | $46,000 | 1,386 |
| Applicable income taxes | $32,000 | 9,997 |
| Income before extraordinary items | $161,000 | 9,681 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $161,000 | 9,680 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 10,223 |
| Cash dividends | $53,000 | 7,465 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $122,820 | 9,967 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $959,000 | 11,355 |
| Total interest expense | $412,000 | 11,288 |
| Net interest income | $547,000 | 11,282 |
| Provision for loan and lease losses | $-11,000 | 11,429 |
| Total noninterest income | $176,000 | 8,856 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $158,000 | 6,485 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 11,008 |
| Total noninterest expense | $560,000 | 10,761 |
| Salaries and employee benefits | $295,000 | 10,799 |
| Premises and equipment expense | $108,000 | 9,386 |
| Additional noninterest expense | $157,000 | 10,973 |
| Pre-tax net operating income | $174,000 | 10,614 |
| Securities gains (losses) | $19,000 | 1,949 |
| Applicable income taxes | $33,000 | 10,533 |
| Income before extraordinary items | $160,000 | 10,367 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $160,000 | 10,370 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 10,436 |
| Cash dividends | $53,000 | 7,697 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $144,230 | 10,485 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $867,000 | 11,957 |
| Total interest expense | $346,000 | 11,841 |
| Net interest income | $521,000 | 11,944 |
| Provision for loan and lease losses | $-12,000 | 11,781 |
| Total noninterest income | $189,000 | 8,934 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $171,000 | 6,426 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 11,564 |
| Total noninterest expense | $570,000 | 11,266 |
| Salaries and employee benefits | $288,000 | 11,318 |
| Premises and equipment expense | $99,000 | 10,067 |
| Additional noninterest expense | $183,000 | 11,359 |
| Pre-tax net operating income | $152,000 | 11,253 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $17,000 | 11,218 |
| Income before extraordinary items | $135,000 | 11,000 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $135,000 | 11,008 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 11,066 |
| Cash dividends | $50,000 | 7,903 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $135,000 | 11,055 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $847,000 | 12,581 |
| Total interest expense | $332,000 | 12,522 |
| Net interest income | $515,000 | 12,511 |
| Provision for loan and lease losses | $26,000 | 8,647 |
| Total noninterest income | $191,000 | 9,391 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $168,000 | 6,646 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $23,000 | 11,812 |
| Total noninterest expense | $572,000 | 11,789 |
| Salaries and employee benefits | $271,000 | 11,966 |
| Premises and equipment expense | $103,000 | 10,359 |
| Additional noninterest expense | $198,000 | 11,755 |
| Pre-tax net operating income | $108,000 | 11,812 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $108,000 | 11,719 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $108,000 | 11,773 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 6,663 |
| Cash dividends | $20,000 | 8,663 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $108,000 | 11,519 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $943,000 | 13,120 |
| Total interest expense | $423,000 | 13,098 |
| Net interest income | $520,000 | 13,009 |
| Provision for loan and lease losses | $99,000 | 7,328 |
| Total noninterest income | $172,000 | 9,986 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $154,000 | 6,998 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 12,735 |
| Total noninterest expense | $537,000 | 12,411 |
| Salaries and employee benefits | $247,000 | 12,643 |
| Premises and equipment expense | $107,000 | 10,495 |
| Additional noninterest expense | $183,000 | 12,480 |
| Pre-tax net operating income | $56,000 | 12,378 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $56,000 | 12,500 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $56,000 | 12,510 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 6,313 |
| Cash dividends | $15,000 | 8,575 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $56,000 | 12,230 |
* 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.