Home > Farmers State Bank > Income and Expense
Farmers State Bank, Income and Expense
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $682,000 | 8,407 |
| Total interest expense | $302,000 | 8,133 |
| Net interest income | $380,000 | 8,474 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $38,000 | 8,295 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $33,000 | 7,063 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $5,000 | 8,420 |
| Total noninterest expense | $380,000 | 8,458 |
| Salaries and employee benefits | $168,000 | 8,557 |
| Premises and equipment expense | $32,000 | 8,477 |
| Additional noninterest expense | $180,000 | 7,934 |
| Pre-tax net operating income | $38,000 | 7,992 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $2,000 | 6,519 |
| Income before extraordinary items | $36,000 | 8,010 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $36,000 | 8,011 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $36,000 | 7,996 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $441,000 | 8,470 |
| Total interest expense | $184,000 | 8,209 |
| Net interest income | $257,000 | 8,527 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $28,000 | 8,317 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $23,000 | 7,073 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $5,000 | 8,374 |
| Total noninterest expense | $258,000 | 8,492 |
| Salaries and employee benefits | $148,000 | 8,468 |
| Premises and equipment expense | $24,000 | 8,460 |
| Additional noninterest expense | $86,000 | 8,311 |
| Pre-tax net operating income | $27,000 | 8,056 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,000 | 6,575 |
| Income before extraordinary items | $26,000 | 8,054 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $26,000 | 8,055 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $26,000 | 8,051 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $244,000 | 8,422 |
| Total interest expense | $88,000 | 8,235 |
| Net interest income | $156,000 | 8,459 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $12,000 | 8,372 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $8,000 | 7,290 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $4,000 | 8,174 |
| Total noninterest expense | $130,000 | 8,507 |
| Salaries and employee benefits | $74,000 | 8,485 |
| Premises and equipment expense | $14,000 | 8,354 |
| Additional noninterest expense | $42,000 | 8,346 |
| Pre-tax net operating income | $38,000 | 7,834 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $38,000 | 7,721 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $38,000 | 7,721 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $38,000 | 7,720 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $825,000 | 8,461 |
| Total interest expense | $307,000 | 8,167 |
| Net interest income | $518,000 | 8,516 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $45,000 | 8,452 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $37,000 | 7,277 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $8,000 | 8,464 |
| Total noninterest expense | $494,000 | 8,568 |
| Salaries and employee benefits | $270,000 | 8,551 |
| Premises and equipment expense | $34,000 | 8,643 |
| Additional noninterest expense | $190,000 | 8,286 |
| Pre-tax net operating income | $69,000 | 8,078 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $3,000 | 6,741 |
| Income before extraordinary items | $66,000 | 8,089 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $66,000 | 8,086 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,381 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $66,000 | 8,060 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $610,000 | 8,510 |
| Total interest expense | $223,000 | 8,200 |
| Net interest income | $387,000 | 8,572 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $38,000 | 8,468 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $30,000 | 7,268 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $8,000 | 8,442 |
| Total noninterest expense | $362,000 | 8,577 |
| Salaries and employee benefits | $192,000 | 8,586 |
| Premises and equipment expense | $26,000 | 8,639 |
| Additional noninterest expense | $144,000 | 8,255 |
| Pre-tax net operating income | $63,000 | 8,142 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $3,000 | 6,760 |
| Income before extraordinary items | $60,000 | 8,153 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $60,000 | 8,151 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,856 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $60,000 | 8,122 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $410,000 | 8,514 |
| Total interest expense | $140,000 | 8,226 |
| Net interest income | $270,000 | 8,559 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $26,000 | 8,459 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $18,000 | 7,341 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $8,000 | 8,279 |
| Total noninterest expense | $234,000 | 8,605 |
| Salaries and employee benefits | $131,000 | 8,590 |
| Premises and equipment expense | $18,000 | 8,624 |
| Additional noninterest expense | $85,000 | 8,380 |
| Pre-tax net operating income | $62,000 | 8,073 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $3,000 | 6,722 |
| Income before extraordinary items | $59,000 | 8,041 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $59,000 | 8,041 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,290 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $59,000 | 8,008 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $200,000 | 8,605 |
| Total interest expense | $65,000 | 8,326 |
| Net interest income | $135,000 | 8,640 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $11,000 | 8,581 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $7,000 | 7,502 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $4,000 | 8,331 |
| Total noninterest expense | $117,000 | 8,662 |
| Salaries and employee benefits | $63,000 | 8,670 |
| Premises and equipment expense | $8,000 | 8,706 |
| Additional noninterest expense | $46,000 | 8,360 |
| Pre-tax net operating income | $29,000 | 8,153 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $2,000 | 6,630 |
| Income before extraordinary items | $27,000 | 8,139 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $27,000 | 8,139 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,232 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $27,000 | 8,113 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $750,000 | 8,609 |
| Total interest expense | $142,000 | 8,632 |
| Net interest income | $608,000 | 8,537 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $40,000 | 8,651 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $27,000 | 7,586 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $13,000 | 8,436 |
| Total noninterest expense | $535,000 | 8,630 |
| Salaries and employee benefits | $321,000 | 8,549 |
| Premises and equipment expense | $36,000 | 8,755 |
| Additional noninterest expense | $178,000 | 8,437 |
| Pre-tax net operating income | $113,000 | 8,069 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $38,000 | 6,208 |
| Income before extraordinary items | $75,000 | 8,187 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $75,000 | 8,187 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,887 |
| Cash dividends | $2,800,000 | 1,024 |
| Sale, conversion, retirement of capital stock, net | $1,180,000 | 387 |
| Net operating income | $75,000 | 8,149 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $552,000 | 8,667 |
| Total interest expense | $101,000 | 8,705 |
| Net interest income | $451,000 | 8,594 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $29,000 | 8,709 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $21,000 | 7,621 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $8,000 | 8,558 |
| Total noninterest expense | $444,000 | 8,529 |
| Salaries and employee benefits | $290,000 | 8,331 |
| Premises and equipment expense | $19,000 | 8,879 |
| Additional noninterest expense | $135,000 | 8,426 |
| Pre-tax net operating income | $36,000 | 8,349 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $7,000 | 6,881 |
| Income before extraordinary items | $29,000 | 8,401 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $29,000 | 8,403 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $29,000 | 8,360 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $397,000 | 8,679 |
| Total interest expense | $66,000 | 8,775 |
| Net interest income | $331,000 | 8,585 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $19,000 | 8,770 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $12,000 | 7,713 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $7,000 | 8,495 |
| Total noninterest expense | $206,000 | 8,864 |
| Salaries and employee benefits | $122,000 | 8,816 |
| Premises and equipment expense | $12,000 | 8,933 |
| Additional noninterest expense | $72,000 | 8,688 |
| Pre-tax net operating income | $144,000 | 7,593 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $35,000 | 5,928 |
| Income before extraordinary items | $109,000 | 7,694 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $109,000 | 7,696 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $109,000 | 7,625 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $199,000 | 8,715 |
| Total interest expense | $35,000 | 8,802 |
| Net interest income | $164,000 | 8,625 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $12,000 | 8,738 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $6,000 | 7,724 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $6,000 | 8,203 |
| Total noninterest expense | $123,000 | 8,795 |
| Salaries and employee benefits | $80,000 | 8,655 |
| Premises and equipment expense | $8,000 | 8,874 |
| Additional noninterest expense | $35,000 | 8,744 |
| Pre-tax net operating income | $53,000 | 7,880 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $7,000 | 6,445 |
| Income before extraordinary items | $46,000 | 7,858 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $46,000 | 7,857 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $46,000 | 7,799 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $925,000 | 8,650 |
| Total interest expense | $185,000 | 8,779 |
| Net interest income | $740,000 | 8,504 |
| Provision for loan and lease losses | $-7,000 | 8,901 |
| Total noninterest income | $60,000 | 8,707 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $37,000 | 7,623 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $23,000 | 8,335 |
| Total noninterest expense | $585,000 | 8,687 |
| Salaries and employee benefits | $398,000 | 8,412 |
| Premises and equipment expense | $28,000 | 9,018 |
| Additional noninterest expense | $159,000 | 8,703 |
| Pre-tax net operating income | $222,000 | 7,748 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $62,000 | 6,135 |
| Income before extraordinary items | $160,000 | 7,958 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $160,000 | 7,959 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 8,435 |
| Cash dividends | $150,000 | 5,213 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $160,000 | 7,838 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $706,000 | 8,722 |
| Total interest expense | $147,000 | 8,857 |
| Net interest income | $559,000 | 8,563 |
| Provision for loan and lease losses | $-7,000 | 9,024 |
| Total noninterest income | $38,000 | 8,865 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $30,000 | 7,641 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $8,000 | 8,801 |
| Total noninterest expense | $378,000 | 8,864 |
| Salaries and employee benefits | $243,000 | 8,688 |
| Premises and equipment expense | $20,000 | 9,066 |
| Additional noninterest expense | $115,000 | 8,766 |
| Pre-tax net operating income | $226,000 | 7,585 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $47,000 | 6,257 |
| Income before extraordinary items | $179,000 | 7,725 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $179,000 | 7,726 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $179,000 | 7,580 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $491,000 | 8,731 |
| Total interest expense | $105,000 | 8,885 |
| Net interest income | $386,000 | 8,569 |
| Provision for loan and lease losses | $-7,000 | 9,087 |
| Total noninterest income | $27,000 | 8,841 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $21,000 | 7,634 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $6,000 | 8,732 |
| Total noninterest expense | $254,000 | 8,875 |
| Salaries and employee benefits | $163,000 | 8,708 |
| Premises and equipment expense | $11,000 | 9,127 |
| Additional noninterest expense | $80,000 | 8,723 |
| Pre-tax net operating income | $166,000 | 7,489 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $38,000 | 6,147 |
| Income before extraordinary items | $128,000 | 7,670 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $128,000 | 7,672 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $128,000 | 7,492 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $230,000 | 8,843 |
| Total interest expense | $55,000 | 8,928 |
| Net interest income | $175,000 | 8,718 |
| Provision for loan and lease losses | $-7,000 | 9,177 |
| Total noninterest income | $14,000 | 8,843 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $9,000 | 7,710 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $5,000 | 8,460 |
| Total noninterest expense | $135,000 | 8,860 |
| Salaries and employee benefits | $81,000 | 8,757 |
| Premises and equipment expense | $6,000 | 9,130 |
| Additional noninterest expense | $48,000 | 8,544 |
| Pre-tax net operating income | $61,000 | 7,828 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $15,000 | 6,300 |
| Income before extraordinary items | $46,000 | 7,974 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $46,000 | 7,973 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $46,000 | 7,823 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,055,000 | 8,807 |
| Total interest expense | $296,000 | 8,898 |
| Net interest income | $759,000 | 8,650 |
| Provision for loan and lease losses | $-34,000 | 9,217 |
| Total noninterest income | $51,000 | 8,949 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $34,000 | 7,795 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $17,000 | 8,643 |
| Total noninterest expense | $651,000 | 8,651 |
| Salaries and employee benefits | $385,000 | 8,566 |
| Premises and equipment expense | $20,000 | 9,239 |
| Additional noninterest expense | $246,000 | 8,205 |
| Pre-tax net operating income | $193,000 | 7,948 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $193,000 | 7,872 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $193,000 | 7,873 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,046 |
| Cash dividends | $120,000 | 5,403 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $193,000 | 7,767 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,181,000 | 9,002 |
| Total interest expense | $509,000 | 9,002 |
| Net interest income | $672,000 | 8,900 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $49,000 | 9,160 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $41,000 | 7,772 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $8,000 | 9,210 |
| Total noninterest expense | $567,000 | 9,013 |
| Salaries and employee benefits | $381,000 | 8,696 |
| Premises and equipment expense | $34,000 | 9,367 |
| Additional noninterest expense | $152,000 | 9,041 |
| Pre-tax net operating income | $154,000 | 8,087 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $23,000 | 7,236 |
| Income before extraordinary items | $131,000 | 8,151 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $131,000 | 8,151 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,648 |
| Cash dividends | $120,000 | 5,590 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $131,000 | 8,043 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,202,000 | 9,224 |
| Total interest expense | $512,000 | 9,227 |
| Net interest income | $690,000 | 9,148 |
| Provision for loan and lease losses | $25,000 | 7,386 |
| Total noninterest income | $52,000 | 9,306 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $44,000 | 7,773 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $8,000 | 9,518 |
| Total noninterest expense | $544,000 | 9,278 |
| Salaries and employee benefits | $375,000 | 8,881 |
| Premises and equipment expense | $29,000 | 9,683 |
| Additional noninterest expense | $140,000 | 9,325 |
| Pre-tax net operating income | $173,000 | 8,484 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $18,000 | 7,887 |
| Income before extraordinary items | $155,000 | 8,386 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $155,000 | 8,384 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 8,699 |
| Cash dividends | $120,000 | 5,762 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $155,000 | 8,387 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,093,000 | 9,524 |
| Total interest expense | $482,000 | 9,474 |
| Net interest income | $611,000 | 9,484 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $54,000 | 9,529 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $46,000 | 7,941 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $8,000 | 9,823 |
| Total noninterest expense | $531,000 | 9,531 |
| Salaries and employee benefits | $366,000 | 9,088 |
| Premises and equipment expense | $30,000 | 9,973 |
| Additional noninterest expense | $135,000 | 9,655 |
| Pre-tax net operating income | $134,000 | 8,893 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $12,000 | 8,432 |
| Income before extraordinary items | $122,000 | 8,826 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $122,000 | 8,823 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,619 |
| Cash dividends | $120,000 | 5,887 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $122,000 | 8,786 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,140,000 | 9,722 |
| Total interest expense | $535,000 | 9,615 |
| Net interest income | $605,000 | 9,727 |
| Provision for loan and lease losses | $18,000 | 7,833 |
| Total noninterest income | $51,000 | 9,833 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $44,000 | 8,188 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $7,000 | 10,104 |
| Total noninterest expense | $514,000 | 9,728 |
| Salaries and employee benefits | $375,000 | 9,122 |
| Premises and equipment expense | $20,000 | 10,310 |
| Additional noninterest expense | $119,000 | 9,969 |
| Pre-tax net operating income | $124,000 | 9,311 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $3,000 | 9,247 |
| Income before extraordinary items | $121,000 | 9,177 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $121,000 | 9,176 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,302 |
| Cash dividends | $150,000 | 5,770 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $121,000 | 9,108 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,182,000 | 10,092 |
| Total interest expense | $548,000 | 9,975 |
| Net interest income | $634,000 | 10,109 |
| Provision for loan and lease losses | $7,000 | 8,548 |
| Total noninterest income | $56,000 | 10,178 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $48,000 | 8,475 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $8,000 | 10,520 |
| Total noninterest expense | $509,000 | 10,101 |
| Salaries and employee benefits | $367,000 | 9,477 |
| Premises and equipment expense | $26,000 | 10,678 |
| Additional noninterest expense | $116,000 | 10,389 |
| Pre-tax net operating income | $174,000 | 9,712 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $26,000 | 9,624 |
| Income before extraordinary items | $148,000 | 9,607 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $148,000 | 9,609 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $150,000 | 5,875 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $148,000 | 9,564 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,195,000 | 10,527 |
| Total interest expense | $520,000 | 10,537 |
| Net interest income | $675,000 | 10,457 |
| Provision for loan and lease losses | $19,000 | 8,051 |
| Total noninterest income | $53,000 | 10,797 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $46,000 | 8,952 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $7,000 | 11,116 |
| Total noninterest expense | $506,000 | 10,563 |
| Salaries and employee benefits | $361,000 | 9,885 |
| Premises and equipment expense | $40,000 | 10,910 |
| Additional noninterest expense | $105,000 | 11,042 |
| Pre-tax net operating income | $203,000 | 9,770 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $43,000 | 9,812 |
| Income before extraordinary items | $160,000 | 9,692 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $160,000 | 9,691 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,952 |
| Cash dividends | $150,000 | 5,964 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $160,000 | 9,630 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,115,000 | 11,095 |
| Total interest expense | $476,000 | 11,106 |
| Net interest income | $639,000 | 11,008 |
| Provision for loan and lease losses | $14,000 | 8,034 |
| Total noninterest income | $57,000 | 11,227 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $37,000 | 9,619 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 10,891 |
| Total noninterest expense | $494,000 | 11,042 |
| Salaries and employee benefits | $339,000 | 10,404 |
| Premises and equipment expense | $27,000 | 11,683 |
| Additional noninterest expense | $128,000 | 11,335 |
| Pre-tax net operating income | $188,000 | 10,534 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $35,000 | 10,480 |
| Income before extraordinary items | $153,000 | 10,439 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $153,000 | 10,443 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 7,103 |
| Cash dividends | $150,000 | 6,032 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $153,000 | 10,414 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,044,000 | 11,635 |
| Total interest expense | $396,000 | 11,607 |
| Net interest income | $648,000 | 11,563 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $63,000 | 11,648 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $39,000 | 10,069 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $24,000 | 11,176 |
| Total noninterest expense | $507,000 | 11,585 |
| Salaries and employee benefits | $348,000 | 10,765 |
| Premises and equipment expense | $30,000 | 12,221 |
| Additional noninterest expense | $129,000 | 12,038 |
| Pre-tax net operating income | $204,000 | 10,865 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $39,000 | 10,719 |
| Income before extraordinary items | $165,000 | 10,663 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $165,000 | 10,669 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,524 |
| Cash dividends | $120,000 | 6,524 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $165,000 | 10,702 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,159,000 | 11,968 |
| Total interest expense | $420,000 | 12,129 |
| Net interest income | $739,000 | 11,724 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $51,000 | 12,516 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $33,000 | 10,650 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 12,177 |
| Total noninterest expense | $527,000 | 12,024 |
| Salaries and employee benefits | $363,000 | 11,014 |
| Premises and equipment expense | $32,000 | 12,790 |
| Additional noninterest expense | $132,000 | 12,630 |
| Pre-tax net operating income | $263,000 | 10,526 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $58,000 | 10,749 |
| Income before extraordinary items | $205,000 | 10,584 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $205,000 | 10,695 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 10,864 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $205,000 | 10,360 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,392,000 | 12,200 |
| Total interest expense | $547,000 | 12,542 |
| Net interest income | $845,000 | 11,728 |
| Provision for loan and lease losses | $9,000 | 11,277 |
| Total noninterest income | $41,000 | 13,319 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $29,000 | 11,097 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $12,000 | 13,214 |
| Total noninterest expense | $541,000 | 12,398 |
| Salaries and employee benefits | $380,000 | 11,094 |
| Premises and equipment expense | $29,000 | 13,446 |
| Additional noninterest expense | $132,000 | 13,180 |
| Pre-tax net operating income | $336,000 | 9,809 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $94,000 | 10,072 |
| Income before extraordinary items | $242,000 | 10,022 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $242,000 | 10,175 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 11,020 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $242,000 | 9,662 |
* 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.