Home > Farmers & Merchants State Bank > Income and Expense
Farmers & Merchants State Bank, Income and Expense
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $10,680,000 | 862 |
| Total interest expense | $3,160,000 | 1,165 |
| Net interest income | $7,520,000 | 750 |
| Provision for loan and lease losses | $600,000 | 400 |
| Total noninterest income | $1,459,000 | 959 |
| Gross Fiduciary activities income | $183,000 | 500 |
| Service charges on deposit accounts | $533,000 | 796 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $743,000 | 1,003 |
| Total noninterest expense | $4,921,000 | 909 |
| Salaries and employee benefits | $3,045,000 | 791 |
| Premises and equipment expense | $483,000 | 1,347 |
| Additional noninterest expense | $1,393,000 | 958 |
| Pre-tax net operating income | $3,458,000 | 763 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $1,297,000 | 650 |
| Income before extraordinary items | $2,161,000 | 879 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,161,000 | 878 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 2,166 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $2,161,000 | 862 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $34,903,000 | 941 |
| Total interest expense | $9,150,000 | 1,238 |
| Net interest income | $25,753,000 | 833 |
| Provision for loan and lease losses | $1,500,000 | 712 |
| Total noninterest income | $5,756,000 | 973 |
| Gross Fiduciary activities income | $716,000 | 486 |
| Service charges on deposit accounts | $2,116,000 | 816 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,924,000 | 1,032 |
| Total noninterest expense | $18,660,000 | 913 |
| Salaries and employee benefits | $11,483,000 | 781 |
| Premises and equipment expense | $2,107,000 | 1,157 |
| Additional noninterest expense | $5,070,000 | 1,026 |
| Pre-tax net operating income | $11,349,000 | 870 |
| Securities gains (losses) | $-33,000 | 8,031 |
| Applicable income taxes | $4,263,000 | 737 |
| Income before extraordinary items | $7,053,000 | 1,029 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $7,053,000 | 1,029 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $381,000 | 1,459 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $2,000,000 | 399 |
| Net operating income | $7,074,120 | 1,003 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $24,766,000 | 965 |
| Total interest expense | $6,313,000 | 1,268 |
| Net interest income | $18,453,000 | 855 |
| Provision for loan and lease losses | $1,050,000 | 726 |
| Total noninterest income | $4,187,000 | 1,008 |
| Gross Fiduciary activities income | $489,000 | 502 |
| Service charges on deposit accounts | $1,594,000 | 813 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,104,000 | 1,080 |
| Total noninterest expense | $13,192,000 | 957 |
| Salaries and employee benefits | $8,147,000 | 830 |
| Premises and equipment expense | $1,481,000 | 1,232 |
| Additional noninterest expense | $3,564,000 | 1,063 |
| Pre-tax net operating income | $8,398,000 | 879 |
| Securities gains (losses) | $-33,000 | 8,363 |
| Applicable income taxes | $3,095,000 | 762 |
| Income before extraordinary items | $5,270,000 | 1,022 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $5,270,000 | 1,022 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $153,000 | 2,001 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $2,000,000 | 295 |
| Net operating income | $5,291,120 | 1,003 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $15,591,000 | 998 |
| Total interest expense | $3,789,000 | 1,331 |
| Net interest income | $11,802,000 | 886 |
| Provision for loan and lease losses | $750,000 | 672 |
| Total noninterest income | $2,660,000 | 1,033 |
| Gross Fiduciary activities income | $329,000 | 499 |
| Service charges on deposit accounts | $1,048,000 | 809 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,283,000 | 1,120 |
| Total noninterest expense | $8,507,000 | 984 |
| Salaries and employee benefits | $5,290,000 | 846 |
| Premises and equipment expense | $898,000 | 1,340 |
| Additional noninterest expense | $2,319,000 | 1,085 |
| Pre-tax net operating income | $5,205,000 | 915 |
| Securities gains (losses) | $-33,000 | 8,503 |
| Applicable income taxes | $1,964,000 | 773 |
| Income before extraordinary items | $3,208,000 | 1,094 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,208,000 | 1,094 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 2,257 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $3,229,120 | 1,067 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $7,329,000 | 1,031 |
| Total interest expense | $1,717,000 | 1,399 |
| Net interest income | $5,612,000 | 922 |
| Provision for loan and lease losses | $325,000 | 711 |
| Total noninterest income | $1,186,000 | 1,099 |
| Gross Fiduciary activities income | $147,000 | 550 |
| Service charges on deposit accounts | $511,000 | 798 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $528,000 | 1,279 |
| Total noninterest expense | $3,939,000 | 1,058 |
| Salaries and employee benefits | $2,489,000 | 894 |
| Premises and equipment expense | $394,000 | 1,544 |
| Additional noninterest expense | $1,056,000 | 1,161 |
| Pre-tax net operating income | $2,534,000 | 925 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $960,000 | 787 |
| Income before extraordinary items | $1,574,000 | 1,094 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,574,000 | 1,094 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 3,504 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,574,000 | 1,068 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $25,453,000 | 1,118 |
| Total interest expense | $5,030,000 | 1,628 |
| Net interest income | $20,423,000 | 966 |
| Provision for loan and lease losses | $1,950,000 | 564 |
| Total noninterest income | $4,434,000 | 1,183 |
| Gross Fiduciary activities income | $530,000 | 556 |
| Service charges on deposit accounts | $2,106,000 | 824 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,798,000 | 1,428 |
| Total noninterest expense | $14,088,000 | 1,160 |
| Salaries and employee benefits | $8,223,000 | 1,051 |
| Premises and equipment expense | $1,816,000 | 1,268 |
| Additional noninterest expense | $4,049,000 | 1,217 |
| Pre-tax net operating income | $8,819,000 | 985 |
| Securities gains (losses) | $16,000 | 2,543 |
| Applicable income taxes | $3,271,000 | 844 |
| Income before extraordinary items | $5,564,000 | 1,178 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $5,564,000 | 1,180 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,664,000 | 531 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $2,000,000 | 339 |
| Net operating income | $5,553,760 | 1,142 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $18,450,000 | 1,136 |
| Total interest expense | $3,496,000 | 1,721 |
| Net interest income | $14,954,000 | 985 |
| Provision for loan and lease losses | $1,700,000 | 467 |
| Total noninterest income | $3,306,000 | 1,212 |
| Gross Fiduciary activities income | $386,000 | 565 |
| Service charges on deposit accounts | $1,606,000 | 818 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,314,000 | 1,466 |
| Total noninterest expense | $9,983,000 | 1,222 |
| Salaries and employee benefits | $5,826,000 | 1,103 |
| Premises and equipment expense | $1,238,000 | 1,400 |
| Additional noninterest expense | $2,919,000 | 1,262 |
| Pre-tax net operating income | $6,577,000 | 1,006 |
| Securities gains (losses) | $16,000 | 2,442 |
| Applicable income taxes | $2,441,000 | 872 |
| Income before extraordinary items | $4,152,000 | 1,188 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $4,152,000 | 1,189 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,196,000 | 503 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $2,000,000 | 251 |
| Net operating income | $4,141,760 | 1,152 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $11,874,000 | 1,163 |
| Total interest expense | $2,172,000 | 1,824 |
| Net interest income | $9,702,000 | 1,004 |
| Provision for loan and lease losses | $950,000 | 539 |
| Total noninterest income | $2,221,000 | 1,182 |
| Gross Fiduciary activities income | $252,000 | 572 |
| Service charges on deposit accounts | $1,057,000 | 825 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $912,000 | 1,421 |
| Total noninterest expense | $6,513,000 | 1,245 |
| Salaries and employee benefits | $3,821,000 | 1,125 |
| Premises and equipment expense | $825,000 | 1,406 |
| Additional noninterest expense | $1,867,000 | 1,304 |
| Pre-tax net operating income | $4,460,000 | 978 |
| Securities gains (losses) | $22,000 | 1,980 |
| Applicable income taxes | $1,659,000 | 847 |
| Income before extraordinary items | $2,823,000 | 1,155 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,823,000 | 1,156 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $865,000 | 478 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,808,920 | 1,119 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $5,780,000 | 1,200 |
| Total interest expense | $1,049,000 | 1,904 |
| Net interest income | $4,731,000 | 1,041 |
| Provision for loan and lease losses | $400,000 | 623 |
| Total noninterest income | $1,074,000 | 1,192 |
| Gross Fiduciary activities income | $124,000 | 580 |
| Service charges on deposit accounts | $508,000 | 830 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $442,000 | 1,416 |
| Total noninterest expense | $3,093,000 | 1,328 |
| Salaries and employee benefits | $1,790,000 | 1,237 |
| Premises and equipment expense | $391,000 | 1,495 |
| Additional noninterest expense | $912,000 | 1,324 |
| Pre-tax net operating income | $2,312,000 | 933 |
| Securities gains (losses) | $21,000 | 1,679 |
| Applicable income taxes | $863,000 | 834 |
| Income before extraordinary items | $1,470,000 | 1,118 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,470,000 | 1,118 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $605,000 | 369 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,456,560 | 1,065 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $21,332,000 | 1,324 |
| Total interest expense | $3,873,000 | 2,279 |
| Net interest income | $17,459,000 | 1,109 |
| Provision for loan and lease losses | $1,800,000 | 706 |
| Total noninterest income | $4,717,000 | 1,189 |
| Gross Fiduciary activities income | $382,000 | 641 |
| Service charges on deposit accounts | $1,928,000 | 897 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $2,407,000 | 1,268 |
| Total noninterest expense | $11,952,000 | 1,347 |
| Salaries and employee benefits | $7,189,000 | 1,190 |
| Premises and equipment expense | $1,235,000 | 1,853 |
| Additional noninterest expense | $3,528,000 | 1,388 |
| Pre-tax net operating income | $8,424,000 | 992 |
| Securities gains (losses) | $62,000 | 2,314 |
| Applicable income taxes | $3,171,000 | 878 |
| Income before extraordinary items | $5,315,000 | 1,211 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $5,315,000 | 1,212 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $535,000 | 1,528 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $5,275,320 | 1,152 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $15,729,000 | 1,381 |
| Total interest expense | $2,879,000 | 2,386 |
| Net interest income | $12,850,000 | 1,143 |
| Provision for loan and lease losses | $1,550,000 | 632 |
| Total noninterest income | $3,664,000 | 1,170 |
| Gross Fiduciary activities income | $289,000 | 644 |
| Service charges on deposit accounts | $1,420,000 | 917 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,955,000 | 1,249 |
| Total noninterest expense | $8,690,000 | 1,397 |
| Salaries and employee benefits | $5,311,000 | 1,218 |
| Premises and equipment expense | $859,000 | 2,000 |
| Additional noninterest expense | $2,520,000 | 1,463 |
| Pre-tax net operating income | $6,274,000 | 1,037 |
| Securities gains (losses) | $62,000 | 2,133 |
| Applicable income taxes | $2,381,000 | 927 |
| Income before extraordinary items | $3,955,000 | 1,240 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $3,955,000 | 1,240 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $464,000 | 1,238 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $3,915,320 | 1,185 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $10,347,000 | 1,417 |
| Total interest expense | $1,938,000 | 2,442 |
| Net interest income | $8,409,000 | 1,167 |
| Provision for loan and lease losses | $1,100,000 | 601 |
| Total noninterest income | $2,372,000 | 1,197 |
| Gross Fiduciary activities income | $187,000 | 657 |
| Service charges on deposit accounts | $904,000 | 947 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,281,000 | 1,268 |
| Total noninterest expense | $5,665,000 | 1,421 |
| Salaries and employee benefits | $3,448,000 | 1,249 |
| Premises and equipment expense | $559,000 | 2,051 |
| Additional noninterest expense | $1,658,000 | 1,478 |
| Pre-tax net operating income | $4,016,000 | 1,075 |
| Securities gains (losses) | $17,000 | 2,697 |
| Applicable income taxes | $1,522,000 | 979 |
| Income before extraordinary items | $2,511,000 | 1,318 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,511,000 | 1,318 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $349,000 | 1,113 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,500,120 | 1,233 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $5,092,000 | 1,451 |
| Total interest expense | $975,000 | 2,492 |
| Net interest income | $4,117,000 | 1,189 |
| Provision for loan and lease losses | $550,000 | 586 |
| Total noninterest income | $1,135,000 | 1,215 |
| Gross Fiduciary activities income | $89,000 | 682 |
| Service charges on deposit accounts | $412,000 | 1,010 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $634,000 | 1,239 |
| Total noninterest expense | $2,800,000 | 1,430 |
| Salaries and employee benefits | $1,737,000 | 1,230 |
| Premises and equipment expense | $270,000 | 2,112 |
| Additional noninterest expense | $793,000 | 1,489 |
| Pre-tax net operating income | $1,902,000 | 1,138 |
| Securities gains (losses) | $3,000 | 2,514 |
| Applicable income taxes | $713,000 | 1,047 |
| Income before extraordinary items | $1,192,000 | 1,379 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,192,000 | 1,377 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $136,000 | 1,209 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,190,080 | 1,292 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $20,171,000 | 1,527 |
| Total interest expense | $5,101,000 | 2,202 |
| Net interest income | $15,070,000 | 1,282 |
| Provision for loan and lease losses | $2,165,000 | 696 |
| Total noninterest income | $3,732,000 | 1,323 |
| Gross Fiduciary activities income | $291,000 | 723 |
| Service charges on deposit accounts | $1,351,000 | 1,196 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,090,000 | 1,271 |
| Total noninterest expense | $10,244,000 | 1,503 |
| Salaries and employee benefits | $6,244,000 | 1,312 |
| Premises and equipment expense | $1,071,000 | 2,046 |
| Additional noninterest expense | $2,929,000 | 1,609 |
| Pre-tax net operating income | $6,393,000 | 1,321 |
| Securities gains (losses) | $-18,000 | 8,978 |
| Applicable income taxes | $2,374,000 | 1,122 |
| Income before extraordinary items | $4,001,000 | 1,532 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $4,001,000 | 1,531 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,265,000 | 786 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $231,000 | 560 |
| Net operating income | $4,012,520 | 1,480 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $19,179,000 | 1,773 |
| Total interest expense | $6,803,000 | 2,353 |
| Net interest income | $12,376,000 | 1,431 |
| Provision for loan and lease losses | $1,879,000 | 751 |
| Total noninterest income | $2,902,000 | 1,516 |
| Gross Fiduciary activities income | $233,000 | 798 |
| Service charges on deposit accounts | $1,113,000 | 1,348 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,556,000 | 1,482 |
| Total noninterest expense | $8,871,000 | 1,645 |
| Salaries and employee benefits | $5,386,000 | 1,394 |
| Premises and equipment expense | $953,000 | 2,242 |
| Additional noninterest expense | $2,532,000 | 1,810 |
| Pre-tax net operating income | $4,528,000 | 1,589 |
| Securities gains (losses) | $14,000 | 3,398 |
| Applicable income taxes | $1,682,000 | 1,360 |
| Income before extraordinary items | $2,860,000 | 1,834 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,860,000 | 1,836 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,020,000 | 929 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $2,600,000 | 274 |
| Net operating income | $2,851,040 | 1,777 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $16,253,000 | 2,166 |
| Total interest expense | $6,099,000 | 2,746 |
| Net interest income | $10,154,000 | 1,736 |
| Provision for loan and lease losses | $944,000 | 1,125 |
| Total noninterest income | $1,856,000 | 1,989 |
| Gross Fiduciary activities income | $120,000 | 901 |
| Service charges on deposit accounts | $884,000 | 1,547 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $852,000 | 2,071 |
| Total noninterest expense | $7,887,000 | 1,767 |
| Salaries and employee benefits | $4,554,000 | 1,558 |
| Premises and equipment expense | $863,000 | 2,391 |
| Additional noninterest expense | $2,470,000 | 1,798 |
| Pre-tax net operating income | $3,179,000 | 2,276 |
| Securities gains (losses) | $-6,000 | 8,044 |
| Applicable income taxes | $1,070,000 | 2,005 |
| Income before extraordinary items | $2,103,000 | 2,436 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,103,000 | 2,435 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $312,000 | 1,769 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $1,100,000 | 426 |
| Net operating income | $2,106,960 | 2,441 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $11,849,000 | 2,726 |
| Total interest expense | $4,135,000 | 3,491 |
| Net interest income | $7,714,000 | 2,287 |
| Provision for loan and lease losses | $525,000 | 1,698 |
| Total noninterest income | $1,439,000 | 2,360 |
| Gross Fiduciary activities income | $37,000 | 1,139 |
| Service charges on deposit accounts | $600,000 | 2,232 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $802,000 | 2,161 |
| Total noninterest expense | $6,284,000 | 2,168 |
| Salaries and employee benefits | $3,648,000 | 1,918 |
| Premises and equipment expense | $789,000 | 2,570 |
| Additional noninterest expense | $1,847,000 | 2,358 |
| Pre-tax net operating income | $2,344,000 | 2,943 |
| Securities gains (losses) | $-9,000 | 9,275 |
| Applicable income taxes | $910,000 | 2,365 |
| Income before extraordinary items | $1,425,000 | 3,380 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,425,000 | 3,380 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $321,000 | 1,712 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $250,000 | 695 |
| Net operating income | $1,430,760 | 3,330 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $10,089,000 | 3,208 |
| Total interest expense | $3,741,000 | 3,890 |
| Net interest income | $6,348,000 | 2,706 |
| Provision for loan and lease losses | $350,000 | 2,310 |
| Total noninterest income | $1,647,000 | 2,115 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $420,000 | 3,001 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,227,000 | 1,604 |
| Total noninterest expense | $5,077,000 | 2,563 |
| Salaries and employee benefits | $3,158,000 | 2,145 |
| Premises and equipment expense | $641,000 | 2,991 |
| Additional noninterest expense | $1,278,000 | 3,193 |
| Pre-tax net operating income | $2,568,000 | 2,711 |
| Securities gains (losses) | $18,000 | 2,506 |
| Applicable income taxes | $891,000 | 2,515 |
| Income before extraordinary items | $1,695,000 | 2,939 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,695,000 | 2,941 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 3,945 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $803,000 | 496 |
| Net operating income | $1,683,120 | 2,866 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,757,000 | 4,079 |
| Total interest expense | $2,632,000 | 5,211 |
| Net interest income | $5,125,000 | 3,414 |
| Provision for loan and lease losses | $487,000 | 1,812 |
| Total noninterest income | $1,175,000 | 2,676 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $349,000 | 3,622 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $826,000 | 1,992 |
| Total noninterest expense | $3,805,000 | 3,323 |
| Salaries and employee benefits | $2,348,000 | 2,816 |
| Premises and equipment expense | $356,000 | 4,828 |
| Additional noninterest expense | $1,101,000 | 3,593 |
| Pre-tax net operating income | $2,008,000 | 3,521 |
| Securities gains (losses) | $-9,000 | 9,978 |
| Applicable income taxes | $770,000 | 3,012 |
| Income before extraordinary items | $1,229,000 | 3,975 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,229,000 | 3,974 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 5,298 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,234,760 | 3,888 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,334,000 | 5,658 |
| Total interest expense | $1,636,000 | 7,244 |
| Net interest income | $3,698,000 | 4,614 |
| Provision for loan and lease losses | $183,000 | 3,607 |
| Total noninterest income | $923,000 | 3,334 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $235,000 | 5,041 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $688,000 | 2,325 |
| Total noninterest expense | $2,794,000 | 4,567 |
| Salaries and employee benefits | $1,705,000 | 3,848 |
| Premises and equipment expense | $264,000 | 6,054 |
| Additional noninterest expense | $825,000 | 5,091 |
| Pre-tax net operating income | $1,644,000 | 4,042 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $692,000 | 3,207 |
| Income before extraordinary items | $952,000 | 4,673 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $952,000 | 4,674 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 5,513 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $952,000 | 4,624 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,337,000 | 6,632 |
| Total interest expense | $1,316,000 | 8,228 |
| Net interest income | $3,021,000 | 5,464 |
| Provision for loan and lease losses | $101,000 | 4,564 |
| Total noninterest income | $499,000 | 5,193 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $216,000 | 5,414 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $283,000 | 4,141 |
| Total noninterest expense | $2,277,000 | 5,406 |
| Salaries and employee benefits | $1,329,000 | 4,784 |
| Premises and equipment expense | $256,000 | 6,253 |
| Additional noninterest expense | $692,000 | 5,911 |
| Pre-tax net operating income | $1,142,000 | 5,441 |
| Securities gains (losses) | $-51,000 | 11,184 |
| Applicable income taxes | $429,000 | 4,704 |
| Income before extraordinary items | $662,000 | 6,224 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $662,000 | 6,222 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 10,004 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $694,640 | 6,013 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,140,000 | 7,845 |
| Total interest expense | $824,000 | 9,479 |
| Net interest income | $2,316,000 | 6,834 |
| Provision for loan and lease losses | $44,000 | 6,435 |
| Total noninterest income | $472,000 | 5,498 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $200,000 | 5,872 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $272,000 | 4,365 |
| Total noninterest expense | $1,759,000 | 6,802 |
| Salaries and employee benefits | $979,000 | 6,189 |
| Premises and equipment expense | $222,000 | 7,023 |
| Additional noninterest expense | $558,000 | 7,362 |
| Pre-tax net operating income | $985,000 | 6,027 |
| Securities gains (losses) | $-42,000 | 10,903 |
| Applicable income taxes | $334,000 | 5,466 |
| Income before extraordinary items | $609,000 | 6,469 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $609,000 | 6,487 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-31,000 | 11,591 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $636,300 | 6,372 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,739,000 | 8,760 |
| Total interest expense | $724,000 | 10,445 |
| Net interest income | $2,015,000 | 7,629 |
| Provision for loan and lease losses | $155,000 | 4,559 |
| Total noninterest income | $549,000 | 5,258 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $207,000 | 5,846 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $342,000 | 4,163 |
| Total noninterest expense | $1,724,000 | 7,120 |
| Salaries and employee benefits | $971,000 | 6,304 |
| Premises and equipment expense | $281,000 | 6,163 |
| Additional noninterest expense | $472,000 | 8,499 |
| Pre-tax net operating income | $685,000 | 7,442 |
| Securities gains (losses) | $4,000 | 6,316 |
| Applicable income taxes | $188,000 | 7,851 |
| Income before extraordinary items | $501,000 | 7,547 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $501,000 | 7,734 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 6,011 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $498,080 | 7,318 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,502,000 | 9,915 |
| Total interest expense | $848,000 | 11,098 |
| Net interest income | $1,654,000 | 8,796 |
| Provision for loan and lease losses | $148,000 | 6,150 |
| Total noninterest income | $464,000 | 5,937 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $180,000 | 6,393 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $284,000 | 4,582 |
| Total noninterest expense | $1,708,000 | 7,241 |
| Salaries and employee benefits | $980,000 | 6,144 |
| Premises and equipment expense | $271,000 | 6,424 |
| Additional noninterest expense | $457,000 | 8,901 |
| Pre-tax net operating income | $262,000 | 10,498 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $85,000 | 10,309 |
| Income before extraordinary items | $177,000 | 10,906 |
| Extraordinary gains, net | $85,000 | 804 |
| Net income | $262,000 | 9,895 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 5,670 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $177,000 | 10,577 |
* 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.