Home > Farmers State Bank > Income and Expense
Farmers State Bank, Income and Expense
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $3,042,000 | 6,811 |
| Total interest expense | $1,557,000 | 6,354 |
| Net interest income | $1,485,000 | 7,124 |
| Provision for loan and lease losses | $433,000 | 2,564 |
| Total noninterest income | $431,000 | 5,341 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $132,000 | 5,619 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $299,000 | 4,250 |
| Total noninterest expense | $1,354,000 | 7,138 |
| Salaries and employee benefits | $941,000 | 6,580 |
| Premises and equipment expense | $136,000 | 7,384 |
| Additional noninterest expense | $277,000 | 7,653 |
| Pre-tax net operating income | $129,000 | 7,066 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $6,000 | 5,740 |
| Income before extraordinary items | $123,000 | 7,062 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $123,000 | 7,061 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $554,000 | 1,572 |
| Cash dividends | $400,000 | 4,028 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $123,000 | 7,035 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $2,276,000 | 6,857 |
| Total interest expense | $1,185,000 | 6,352 |
| Net interest income | $1,091,000 | 7,223 |
| Provision for loan and lease losses | $60,000 | 4,834 |
| Total noninterest income | $327,000 | 5,364 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $102,000 | 5,600 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $225,000 | 4,269 |
| Total noninterest expense | $936,000 | 7,269 |
| Salaries and employee benefits | $636,000 | 6,814 |
| Premises and equipment expense | $100,000 | 7,395 |
| Additional noninterest expense | $200,000 | 7,674 |
| Pre-tax net operating income | $422,000 | 6,069 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $18,000 | 5,533 |
| Income before extraordinary items | $404,000 | 5,818 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $404,000 | 5,815 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 3,046 |
| Cash dividends | $400,000 | 3,222 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $404,000 | 5,798 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,560,000 | 6,837 |
| Total interest expense | $793,000 | 6,380 |
| Net interest income | $767,000 | 7,176 |
| Provision for loan and lease losses | $27,000 | 5,100 |
| Total noninterest income | $198,000 | 5,595 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $69,000 | 5,607 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $129,000 | 4,601 |
| Total noninterest expense | $630,000 | 7,293 |
| Salaries and employee benefits | $424,000 | 6,878 |
| Premises and equipment expense | $69,000 | 7,380 |
| Additional noninterest expense | $137,000 | 7,689 |
| Pre-tax net operating income | $308,000 | 5,980 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $12,000 | 5,584 |
| Income before extraordinary items | $296,000 | 5,690 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $296,000 | 5,689 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 2,314 |
| Cash dividends | $400,000 | 2,742 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $296,000 | 5,669 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $785,000 | 6,854 |
| Total interest expense | $405,000 | 6,342 |
| Net interest income | $380,000 | 7,217 |
| Provision for loan and lease losses | $21,000 | 4,310 |
| Total noninterest income | $92,000 | 5,714 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $34,000 | 5,592 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $58,000 | 4,822 |
| Total noninterest expense | $317,000 | 7,315 |
| Salaries and employee benefits | $211,000 | 6,911 |
| Premises and equipment expense | $34,000 | 7,427 |
| Additional noninterest expense | $72,000 | 7,643 |
| Pre-tax net operating income | $134,000 | 6,245 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $6,000 | 5,609 |
| Income before extraordinary items | $128,000 | 5,957 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $128,000 | 5,956 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 1,400 |
| Cash dividends | $200,000 | 2,393 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $128,000 | 5,943 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $3,020,000 | 6,760 |
| Total interest expense | $1,511,000 | 6,097 |
| Net interest income | $1,509,000 | 7,165 |
| Provision for loan and lease losses | $20,000 | 6,291 |
| Total noninterest income | $410,000 | 5,553 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $134,000 | 5,719 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $276,000 | 4,462 |
| Total noninterest expense | $1,266,000 | 7,282 |
| Salaries and employee benefits | $852,000 | 6,804 |
| Premises and equipment expense | $142,000 | 7,347 |
| Additional noninterest expense | $272,000 | 7,737 |
| Pre-tax net operating income | $633,000 | 6,092 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $24,000 | 5,855 |
| Income before extraordinary items | $609,000 | 5,795 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $609,000 | 5,797 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,822 |
| Cash dividends | $500,000 | 3,695 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $609,000 | 5,778 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,214,000 | 6,852 |
| Total interest expense | $1,092,000 | 6,136 |
| Net interest income | $1,122,000 | 7,269 |
| Provision for loan and lease losses | $11,000 | 6,314 |
| Total noninterest income | $313,000 | 5,546 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $101,000 | 5,777 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $212,000 | 4,415 |
| Total noninterest expense | $942,000 | 7,293 |
| Salaries and employee benefits | $633,000 | 6,815 |
| Premises and equipment expense | $104,000 | 7,405 |
| Additional noninterest expense | $205,000 | 7,748 |
| Pre-tax net operating income | $482,000 | 6,286 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $18,000 | 6,008 |
| Income before extraordinary items | $464,000 | 5,924 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $464,000 | 5,925 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,856 |
| Cash dividends | $500,000 | 2,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $464,000 | 5,924 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,439,000 | 6,912 |
| Total interest expense | $683,000 | 6,186 |
| Net interest income | $756,000 | 7,282 |
| Provision for loan and lease losses | $6,000 | 6,150 |
| Total noninterest income | $210,000 | 5,519 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $65,000 | 5,844 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $145,000 | 4,371 |
| Total noninterest expense | $629,000 | 7,339 |
| Salaries and employee benefits | $423,000 | 6,840 |
| Premises and equipment expense | $70,000 | 7,416 |
| Additional noninterest expense | $136,000 | 7,766 |
| Pre-tax net operating income | $331,000 | 6,260 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $12,000 | 6,049 |
| Income before extraordinary items | $319,000 | 5,885 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $319,000 | 5,885 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,807 |
| Cash dividends | $405,000 | 2,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $319,000 | 5,885 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $707,000 | 6,929 |
| Total interest expense | $332,000 | 6,165 |
| Net interest income | $375,000 | 7,321 |
| Provision for loan and lease losses | $3,000 | 5,795 |
| Total noninterest income | $91,000 | 5,791 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $30,000 | 5,914 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $61,000 | 4,716 |
| Total noninterest expense | $316,000 | 7,337 |
| Salaries and employee benefits | $210,000 | 6,870 |
| Premises and equipment expense | $35,000 | 7,427 |
| Additional noninterest expense | $71,000 | 7,703 |
| Pre-tax net operating income | $147,000 | 6,456 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $6,000 | 6,016 |
| Income before extraordinary items | $141,000 | 6,091 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $141,000 | 6,092 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 3,919 |
| Cash dividends | $200,000 | 2,370 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $141,000 | 6,090 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,569,000 | 6,960 |
| Total interest expense | $1,080,000 | 6,096 |
| Net interest income | $1,489,000 | 7,303 |
| Provision for loan and lease losses | $12,000 | 6,720 |
| Total noninterest income | $413,000 | 5,647 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $119,000 | 6,011 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $294,000 | 4,380 |
| Total noninterest expense | $1,277,000 | 7,266 |
| Salaries and employee benefits | $839,000 | 6,810 |
| Premises and equipment expense | $153,000 | 7,235 |
| Additional noninterest expense | $285,000 | 7,735 |
| Pre-tax net operating income | $613,000 | 6,385 |
| Securities gains (losses) | $29,000 | 1,127 |
| Applicable income taxes | $28,000 | 6,179 |
| Income before extraordinary items | $614,000 | 5,956 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $614,000 | 5,961 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,766 |
| Cash dividends | $500,000 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $586,160 | 6,027 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,872,000 | 7,031 |
| Total interest expense | $752,000 | 6,170 |
| Net interest income | $1,120,000 | 7,345 |
| Provision for loan and lease losses | $9,000 | 6,548 |
| Total noninterest income | $311,000 | 5,694 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $89,000 | 6,054 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $222,000 | 4,378 |
| Total noninterest expense | $951,000 | 7,267 |
| Salaries and employee benefits | $623,000 | 6,825 |
| Premises and equipment expense | $114,000 | 7,262 |
| Additional noninterest expense | $214,000 | 7,733 |
| Pre-tax net operating income | $471,000 | 6,498 |
| Securities gains (losses) | $29,000 | 1,083 |
| Applicable income taxes | $18,000 | 6,335 |
| Income before extraordinary items | $482,000 | 5,987 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $482,000 | 5,992 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $500,000 | 2,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $454,160 | 6,081 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,213,000 | 7,052 |
| Total interest expense | $463,000 | 6,236 |
| Net interest income | $750,000 | 7,349 |
| Provision for loan and lease losses | $6,000 | 6,298 |
| Total noninterest income | $211,000 | 5,621 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $56,000 | 6,119 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $155,000 | 4,242 |
| Total noninterest expense | $635,000 | 7,273 |
| Salaries and employee benefits | $418,000 | 6,816 |
| Premises and equipment expense | $76,000 | 7,248 |
| Additional noninterest expense | $141,000 | 7,737 |
| Pre-tax net operating income | $320,000 | 6,465 |
| Securities gains (losses) | $27,000 | 1,002 |
| Applicable income taxes | $12,000 | 6,334 |
| Income before extraordinary items | $335,000 | 5,887 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $335,000 | 5,890 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,447 |
| Cash dividends | $300,000 | 2,918 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $308,810 | 6,014 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $587,000 | 7,154 |
| Total interest expense | $216,000 | 6,342 |
| Net interest income | $371,000 | 7,418 |
| Provision for loan and lease losses | $3,000 | 5,957 |
| Total noninterest income | $99,000 | 5,706 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $28,000 | 6,092 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $71,000 | 4,437 |
| Total noninterest expense | $320,000 | 7,319 |
| Salaries and employee benefits | $211,000 | 6,845 |
| Premises and equipment expense | $40,000 | 7,221 |
| Additional noninterest expense | $69,000 | 7,823 |
| Pre-tax net operating income | $147,000 | 6,611 |
| Securities gains (losses) | $27,000 | 702 |
| Applicable income taxes | $6,000 | 6,318 |
| Income before extraordinary items | $168,000 | 5,840 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $168,000 | 5,841 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,435 |
| Cash dividends | $200,000 | 2,181 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $141,810 | 6,183 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,200,000 | 7,175 |
| Total interest expense | $703,000 | 6,588 |
| Net interest income | $1,497,000 | 7,308 |
| Provision for loan and lease losses | $30,000 | 6,416 |
| Total noninterest income | $433,000 | 5,626 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $130,000 | 6,047 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $303,000 | 4,247 |
| Total noninterest expense | $1,283,000 | 7,298 |
| Salaries and employee benefits | $831,000 | 6,826 |
| Premises and equipment expense | $159,000 | 7,226 |
| Additional noninterest expense | $293,000 | 7,738 |
| Pre-tax net operating income | $617,000 | 6,345 |
| Securities gains (losses) | $28,000 | 2,163 |
| Applicable income taxes | $33,000 | 6,294 |
| Income before extraordinary items | $612,000 | 5,899 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $612,000 | 5,901 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 5,319 |
| Cash dividends | $500,000 | 3,518 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $585,400 | 5,940 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,636,000 | 7,218 |
| Total interest expense | $503,000 | 6,685 |
| Net interest income | $1,133,000 | 7,319 |
| Provision for loan and lease losses | $24,000 | 6,219 |
| Total noninterest income | $328,000 | 5,620 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $98,000 | 6,088 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $230,000 | 4,227 |
| Total noninterest expense | $953,000 | 7,283 |
| Salaries and employee benefits | $614,000 | 6,839 |
| Premises and equipment expense | $115,000 | 7,261 |
| Additional noninterest expense | $224,000 | 7,717 |
| Pre-tax net operating income | $484,000 | 6,391 |
| Securities gains (losses) | $28,000 | 2,085 |
| Applicable income taxes | $22,000 | 6,467 |
| Income before extraordinary items | $490,000 | 5,855 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $490,000 | 5,855 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 4,471 |
| Cash dividends | $440,000 | 2,907 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $463,120 | 5,922 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,089,000 | 7,269 |
| Total interest expense | $320,000 | 6,827 |
| Net interest income | $769,000 | 7,318 |
| Provision for loan and lease losses | $6,000 | 6,548 |
| Total noninterest income | $218,000 | 5,631 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $64,000 | 6,133 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $154,000 | 4,256 |
| Total noninterest expense | $643,000 | 7,301 |
| Salaries and employee benefits | $411,000 | 6,882 |
| Premises and equipment expense | $78,000 | 7,274 |
| Additional noninterest expense | $154,000 | 7,675 |
| Pre-tax net operating income | $338,000 | 6,257 |
| Securities gains (losses) | $5,000 | 2,738 |
| Applicable income taxes | $15,000 | 6,460 |
| Income before extraordinary items | $328,000 | 5,839 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $328,000 | 5,839 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,531 |
| Cash dividends | $320,000 | 2,777 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $323,200 | 5,787 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $562,000 | 7,239 |
| Total interest expense | $160,000 | 6,900 |
| Net interest income | $402,000 | 7,244 |
| Provision for loan and lease losses | $6,000 | 5,941 |
| Total noninterest income | $107,000 | 5,629 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $30,000 | 6,194 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $77,000 | 4,245 |
| Total noninterest expense | $329,000 | 7,282 |
| Salaries and employee benefits | $207,000 | 6,891 |
| Premises and equipment expense | $39,000 | 7,313 |
| Additional noninterest expense | $83,000 | 7,555 |
| Pre-tax net operating income | $174,000 | 6,138 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $8,000 | 6,367 |
| Income before extraordinary items | $166,000 | 5,778 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $166,000 | 5,779 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,804 |
| Cash dividends | $130,000 | 2,611 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $166,000 | 5,650 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,331,000 | 7,220 |
| Total interest expense | $765,000 | 6,827 |
| Net interest income | $1,566,000 | 7,258 |
| Provision for loan and lease losses | $36,000 | 6,612 |
| Total noninterest income | $433,000 | 5,789 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $123,000 | 6,233 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $310,000 | 4,438 |
| Total noninterest expense | $1,264,000 | 7,335 |
| Salaries and employee benefits | $809,000 | 6,888 |
| Premises and equipment expense | $164,000 | 7,207 |
| Additional noninterest expense | $291,000 | 7,823 |
| Pre-tax net operating income | $699,000 | 6,017 |
| Securities gains (losses) | $9,000 | 3,670 |
| Applicable income taxes | $32,000 | 6,563 |
| Income before extraordinary items | $676,000 | 5,685 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $676,000 | 5,687 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 6,493 |
| Cash dividends | $500,000 | 3,502 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $667,450 | 5,541 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,763,000 | 7,282 |
| Total interest expense | $598,000 | 6,859 |
| Net interest income | $1,165,000 | 7,335 |
| Provision for loan and lease losses | $27,000 | 6,482 |
| Total noninterest income | $303,000 | 5,999 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $89,000 | 6,327 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $214,000 | 4,661 |
| Total noninterest expense | $947,000 | 7,332 |
| Salaries and employee benefits | $597,000 | 6,929 |
| Premises and equipment expense | $130,000 | 7,118 |
| Additional noninterest expense | $220,000 | 7,819 |
| Pre-tax net operating income | $494,000 | 6,313 |
| Securities gains (losses) | $9,000 | 3,379 |
| Applicable income taxes | $18,000 | 6,845 |
| Income before extraordinary items | $485,000 | 5,929 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $485,000 | 5,930 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,833 |
| Cash dividends | $385,000 | 3,107 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $476,360 | 5,806 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,183,000 | 7,321 |
| Total interest expense | $418,000 | 6,859 |
| Net interest income | $765,000 | 7,379 |
| Provision for loan and lease losses | $18,000 | 6,396 |
| Total noninterest income | $185,000 | 6,173 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $53,000 | 6,490 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $132,000 | 4,817 |
| Total noninterest expense | $639,000 | 7,334 |
| Salaries and employee benefits | $401,000 | 6,929 |
| Premises and equipment expense | $88,000 | 7,078 |
| Additional noninterest expense | $150,000 | 7,776 |
| Pre-tax net operating income | $293,000 | 6,542 |
| Securities gains (losses) | $1,000 | 3,586 |
| Applicable income taxes | $12,000 | 6,875 |
| Income before extraordinary items | $282,000 | 6,240 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $282,000 | 6,239 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,113 |
| Cash dividends | $270,000 | 3,033 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $281,040 | 6,040 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $604,000 | 7,297 |
| Total interest expense | $216,000 | 6,859 |
| Net interest income | $388,000 | 7,367 |
| Provision for loan and lease losses | $9,000 | 6,152 |
| Total noninterest income | $90,000 | 6,155 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $24,000 | 6,593 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $66,000 | 4,730 |
| Total noninterest expense | $332,000 | 7,264 |
| Salaries and employee benefits | $204,000 | 6,922 |
| Premises and equipment expense | $44,000 | 7,119 |
| Additional noninterest expense | $84,000 | 7,566 |
| Pre-tax net operating income | $137,000 | 6,658 |
| Securities gains (losses) | $1,000 | 2,714 |
| Applicable income taxes | $6,000 | 6,816 |
| Income before extraordinary items | $132,000 | 6,333 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $132,000 | 6,332 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 3,852 |
| Cash dividends | $130,000 | 2,667 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $131,040 | 6,169 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,652,000 | 7,206 |
| Total interest expense | $1,095,000 | 6,699 |
| Net interest income | $1,557,000 | 7,340 |
| Provision for loan and lease losses | $100,000 | 5,681 |
| Total noninterest income | $447,000 | 5,507 |
| Gross Fiduciary activities income | $1,000 | 1,652 |
| Service charges on deposit accounts | $137,000 | 6,009 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $309,000 | 4,193 |
| Total noninterest expense | $1,275,000 | 7,302 |
| Salaries and employee benefits | $829,000 | 6,779 |
| Premises and equipment expense | $142,000 | 7,556 |
| Additional noninterest expense | $304,000 | 7,776 |
| Pre-tax net operating income | $629,000 | 6,332 |
| Securities gains (losses) | $28,000 | 2,890 |
| Applicable income taxes | $25,000 | 6,930 |
| Income before extraordinary items | $632,000 | 5,837 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $632,000 | 5,835 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 4,372 |
| Cash dividends | $607,000 | 3,124 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $605,120 | 5,802 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,021,000 | 7,242 |
| Total interest expense | $1,566,000 | 6,851 |
| Net interest income | $1,455,000 | 7,410 |
| Provision for loan and lease losses | $150,000 | 4,756 |
| Total noninterest income | $197,000 | 7,335 |
| Gross Fiduciary activities income | $2,000 | 1,637 |
| Service charges on deposit accounts | $128,000 | 6,115 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $67,000 | 7,208 |
| Total noninterest expense | $1,060,000 | 7,799 |
| Salaries and employee benefits | $649,000 | 7,436 |
| Premises and equipment expense | $128,000 | 7,879 |
| Additional noninterest expense | $283,000 | 7,975 |
| Pre-tax net operating income | $442,000 | 6,785 |
| Securities gains (losses) | $17,000 | 3,266 |
| Applicable income taxes | $25,000 | 7,184 |
| Income before extraordinary items | $434,000 | 6,381 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $434,000 | 6,383 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $148,000 | 3,399 |
| Cash dividends | $325,000 | 4,252 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $417,850 | 6,353 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,049,000 | 7,354 |
| Total interest expense | $1,629,000 | 6,900 |
| Net interest income | $1,420,000 | 7,612 |
| Provision for loan and lease losses | $20,000 | 7,595 |
| Total noninterest income | $217,000 | 7,101 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $125,000 | 6,142 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $92,000 | 6,616 |
| Total noninterest expense | $1,082,000 | 7,798 |
| Salaries and employee benefits | $684,000 | 7,273 |
| Premises and equipment expense | $162,000 | 7,372 |
| Additional noninterest expense | $236,000 | 8,451 |
| Pre-tax net operating income | $535,000 | 6,840 |
| Securities gains (losses) | $3,000 | 1,519 |
| Applicable income taxes | $142,000 | 6,017 |
| Income before extraordinary items | $396,000 | 6,886 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $396,000 | 6,884 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,352 |
| Cash dividends | $306,000 | 4,431 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $393,780 | 6,901 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,832,000 | 7,569 |
| Total interest expense | $1,464,000 | 7,069 |
| Net interest income | $1,368,000 | 7,840 |
| Provision for loan and lease losses | $36,000 | 6,998 |
| Total noninterest income | $185,000 | 7,664 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $121,000 | 6,327 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $64,000 | 7,600 |
| Total noninterest expense | $1,042,000 | 8,000 |
| Salaries and employee benefits | $645,000 | 7,511 |
| Premises and equipment expense | $148,000 | 7,698 |
| Additional noninterest expense | $249,000 | 8,563 |
| Pre-tax net operating income | $475,000 | 7,252 |
| Securities gains (losses) | $11,000 | 1,705 |
| Applicable income taxes | $79,000 | 7,204 |
| Income before extraordinary items | $407,000 | 6,950 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $407,000 | 6,949 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 5,786 |
| Cash dividends | $300,000 | 4,494 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $397,760 | 6,981 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,858,000 | 7,687 |
| Total interest expense | $1,480,000 | 7,230 |
| Net interest income | $1,378,000 | 7,955 |
| Provision for loan and lease losses | $100,000 | 5,089 |
| Total noninterest income | $177,000 | 7,857 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $116,000 | 6,552 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $61,000 | 7,768 |
| Total noninterest expense | $1,021,000 | 8,050 |
| Salaries and employee benefits | $633,000 | 7,572 |
| Premises and equipment expense | $150,000 | 7,646 |
| Additional noninterest expense | $238,000 | 8,712 |
| Pre-tax net operating income | $434,000 | 7,698 |
| Securities gains (losses) | $36,000 | 1,984 |
| Applicable income taxes | $71,000 | 7,976 |
| Income before extraordinary items | $399,000 | 7,230 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $399,000 | 7,227 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 4,028 |
| Cash dividends | $300,000 | 4,531 |
| Sale, conversion, retirement of capital stock, net | $-113,000 | 10,339 |
| Net operating income | $368,400 | 7,346 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,792,000 | 8,017 |
| Total interest expense | $1,372,000 | 7,652 |
| Net interest income | $1,420,000 | 8,187 |
| Provision for loan and lease losses | $8,000 | 8,510 |
| Total noninterest income | $167,000 | 8,328 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $133,000 | 6,493 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $34,000 | 9,136 |
| Total noninterest expense | $958,000 | 8,486 |
| Salaries and employee benefits | $604,000 | 7,890 |
| Premises and equipment expense | $148,000 | 7,841 |
| Additional noninterest expense | $206,000 | 9,333 |
| Pre-tax net operating income | $621,000 | 7,327 |
| Securities gains (losses) | $18,000 | 1,964 |
| Applicable income taxes | $152,000 | 7,584 |
| Income before extraordinary items | $487,000 | 7,052 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $487,000 | 7,054 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 10,129 |
| Cash dividends | $335,000 | 4,332 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $473,320 | 7,098 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,716,000 | 8,391 |
| Total interest expense | $1,294,000 | 8,121 |
| Net interest income | $1,422,000 | 8,463 |
| Provision for loan and lease losses | $24,000 | 7,740 |
| Total noninterest income | $163,000 | 8,804 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $124,000 | 6,993 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $39,000 | 9,409 |
| Total noninterest expense | $946,000 | 8,893 |
| Salaries and employee benefits | $597,000 | 8,152 |
| Premises and equipment expense | $102,000 | 9,234 |
| Additional noninterest expense | $247,000 | 9,427 |
| Pre-tax net operating income | $615,000 | 7,336 |
| Securities gains (losses) | $11,000 | 2,431 |
| Applicable income taxes | $154,000 | 7,820 |
| Income before extraordinary items | $472,000 | 7,099 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $472,000 | 7,101 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 7,019 |
| Cash dividends | $327,000 | 4,329 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $463,750 | 7,093 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,602,000 | 8,797 |
| Total interest expense | $1,211,000 | 8,552 |
| Net interest income | $1,391,000 | 8,810 |
| Provision for loan and lease losses | $20,000 | 7,637 |
| Total noninterest income | $165,000 | 9,050 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $125,000 | 7,207 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $40,000 | 9,709 |
| Total noninterest expense | $919,000 | 9,292 |
| Salaries and employee benefits | $566,000 | 8,608 |
| Premises and equipment expense | $91,000 | 9,885 |
| Additional noninterest expense | $262,000 | 9,698 |
| Pre-tax net operating income | $617,000 | 7,792 |
| Securities gains (losses) | $4,000 | 2,936 |
| Applicable income taxes | $152,000 | 8,222 |
| Income before extraordinary items | $469,000 | 7,491 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $469,000 | 7,491 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 8,036 |
| Cash dividends | $314,000 | 4,416 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $465,960 | 7,481 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,315,000 | 9,225 |
| Total interest expense | $1,012,000 | 8,642 |
| Net interest income | $1,303,000 | 9,455 |
| Provision for loan and lease losses | $50,000 | 6,087 |
| Total noninterest income | $165,000 | 9,413 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $126,000 | 7,458 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $39,000 | 10,213 |
| Total noninterest expense | $937,000 | 9,602 |
| Salaries and employee benefits | $551,000 | 8,950 |
| Premises and equipment expense | $93,000 | 10,249 |
| Additional noninterest expense | $293,000 | 10,041 |
| Pre-tax net operating income | $481,000 | 8,785 |
| Securities gains (losses) | $-4,000 | 9,291 |
| Applicable income taxes | $105,000 | 9,245 |
| Income before extraordinary items | $372,000 | 8,440 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $372,000 | 8,442 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 5,444 |
| Cash dividends | $334,000 | 4,202 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $375,120 | 8,453 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,396,000 | 9,396 |
| Total interest expense | $1,055,000 | 8,864 |
| Net interest income | $1,341,000 | 9,604 |
| Provision for loan and lease losses | $60,000 | 6,949 |
| Total noninterest income | $185,000 | 9,506 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $116,000 | 7,947 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $69,000 | 9,126 |
| Total noninterest expense | $960,000 | 9,920 |
| Salaries and employee benefits | $578,000 | 8,992 |
| Premises and equipment expense | $93,000 | 10,682 |
| Additional noninterest expense | $289,000 | 10,582 |
| Pre-tax net operating income | $506,000 | 8,626 |
| Securities gains (losses) | $32,000 | 4,013 |
| Applicable income taxes | $117,000 | 9,370 |
| Income before extraordinary items | $421,000 | 8,224 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $421,000 | 8,392 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 9,031 |
| Cash dividends | $218,000 | 5,225 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $396,040 | 8,193 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,560,000 | 9,795 |
| Total interest expense | $1,237,000 | 9,463 |
| Net interest income | $1,323,000 | 9,894 |
| Provision for loan and lease losses | $140,000 | 6,292 |
| Total noninterest income | $118,000 | 11,242 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $84,000 | 9,029 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $34,000 | 11,488 |
| Total noninterest expense | $873,000 | 10,648 |
| Salaries and employee benefits | $510,000 | 9,685 |
| Premises and equipment expense | $89,000 | 11,144 |
| Additional noninterest expense | $274,000 | 11,213 |
| Pre-tax net operating income | $428,000 | 8,984 |
| Securities gains (losses) | $38,000 | 4,584 |
| Applicable income taxes | $106,000 | 9,741 |
| Income before extraordinary items | $360,000 | 8,616 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $360,000 | 8,740 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $170,000 | 4,592 |
| Cash dividends | $218,000 | 4,822 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $330,740 | 8,568 |
* 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.