Home > Mercantile Bank > Income and Expense
Mercantile Bank, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $175,428,000 | 170 |
| Total interest expense | $93,852,000 | 165 |
| Net interest income | $81,576,000 | 182 |
| Provision for loan and lease losses | $8,351,000 | 127 |
| Total noninterest income | $25,972,000 | 206 |
| Gross Fiduciary activities income | $140,000 | 725 |
| Service charges on deposit accounts | $7,708,000 | 140 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $18,124,000 | 192 |
| Total noninterest expense | $67,396,000 | 181 |
| Salaries and employee benefits | $25,190,000 | 210 |
| Premises and equipment expense | $7,765,000 | 196 |
| Additional noninterest expense | $34,441,000 | 146 |
| Pre-tax net operating income | $31,801,000 | 222 |
| Securities gains (losses) | $-6,000 | 7,884 |
| Applicable income taxes | $10,578,000 | 219 |
| Income before extraordinary items | $21,217,000 | 225 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $21,217,000 | 224 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,185,000 | 119 |
| Cash dividends | $50,000,000 | 94 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $21,221,020 | 225 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $86,511,000 | 170 |
| Total interest expense | $45,984,000 | 163 |
| Net interest income | $40,527,000 | 182 |
| Provision for loan and lease losses | $4,171,000 | 106 |
| Total noninterest income | $12,270,000 | 208 |
| Gross Fiduciary activities income | $74,000 | 725 |
| Service charges on deposit accounts | $3,819,000 | 138 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $8,377,000 | 202 |
| Total noninterest expense | $34,407,000 | 176 |
| Salaries and employee benefits | $12,941,000 | 205 |
| Premises and equipment expense | $3,879,000 | 194 |
| Additional noninterest expense | $17,587,000 | 137 |
| Pre-tax net operating income | $14,219,000 | 242 |
| Securities gains (losses) | $-6,000 | 8,196 |
| Applicable income taxes | $4,811,000 | 241 |
| Income before extraordinary items | $9,402,000 | 255 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $9,402,000 | 254 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,330,000 | 98 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $9,405,960 | 252 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $338,369,000 | 161 |
| Total interest expense | $170,671,000 | 155 |
| Net interest income | $167,698,000 | 176 |
| Provision for loan and lease losses | $7,091,000 | 180 |
| Total noninterest income | $40,727,000 | 229 |
| Gross Fiduciary activities income | $240,000 | 757 |
| Service charges on deposit accounts | $15,505,000 | 133 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $24,982,000 | 233 |
| Total noninterest expense | $127,544,000 | 176 |
| Salaries and employee benefits | $46,059,000 | 213 |
| Premises and equipment expense | $14,671,000 | 189 |
| Additional noninterest expense | $66,814,000 | 146 |
| Pre-tax net operating income | $73,790,000 | 200 |
| Securities gains (losses) | $80,000 | 578 |
| Applicable income taxes | $21,941,000 | 221 |
| Income before extraordinary items | $51,929,000 | 197 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $51,929,000 | 197 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,780,000 | 133 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $51,873,000 | 195 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $249,328,000 | 172 |
| Total interest expense | $122,779,000 | 165 |
| Net interest income | $126,549,000 | 183 |
| Provision for loan and lease losses | $2,964,000 | 279 |
| Total noninterest income | $28,403,000 | 256 |
| Gross Fiduciary activities income | $173,000 | 758 |
| Service charges on deposit accounts | $11,608,000 | 137 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $16,622,000 | 267 |
| Total noninterest expense | $94,078,000 | 188 |
| Salaries and employee benefits | $33,838,000 | 226 |
| Premises and equipment expense | $10,153,000 | 208 |
| Additional noninterest expense | $50,087,000 | 150 |
| Pre-tax net operating income | $57,910,000 | 203 |
| Securities gains (losses) | $-7,000 | 7,492 |
| Applicable income taxes | $19,155,000 | 207 |
| Income before extraordinary items | $38,748,000 | 210 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $38,748,000 | 210 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,431,000 | 151 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $38,752,690 | 209 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $163,699,000 | 175 |
| Total interest expense | $78,742,000 | 167 |
| Net interest income | $84,957,000 | 186 |
| Provision for loan and lease losses | $526,000 | 937 |
| Total noninterest income | $17,463,000 | 266 |
| Gross Fiduciary activities income | $113,000 | 774 |
| Service charges on deposit accounts | $7,665,000 | 139 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $9,685,000 | 293 |
| Total noninterest expense | $64,417,000 | 192 |
| Salaries and employee benefits | $22,306,000 | 231 |
| Premises and equipment expense | $6,849,000 | 212 |
| Additional noninterest expense | $35,262,000 | 151 |
| Pre-tax net operating income | $37,477,000 | 215 |
| Securities gains (losses) | $-8,000 | 7,799 |
| Applicable income taxes | $12,882,000 | 214 |
| Income before extraordinary items | $24,587,000 | 225 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $24,587,000 | 225 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,279,000 | 134 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $24,592,280 | 222 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $79,441,000 | 177 |
| Total interest expense | $36,842,000 | 168 |
| Net interest income | $42,599,000 | 185 |
| Provision for loan and lease losses | $954,000 | 279 |
| Total noninterest income | $10,251,000 | 244 |
| Gross Fiduciary activities income | $52,000 | 797 |
| Service charges on deposit accounts | $3,857,000 | 136 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $6,342,000 | 245 |
| Total noninterest expense | $32,871,000 | 194 |
| Salaries and employee benefits | $11,185,000 | 236 |
| Premises and equipment expense | $3,380,000 | 214 |
| Additional noninterest expense | $18,306,000 | 148 |
| Pre-tax net operating income | $19,025,000 | 215 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $6,573,000 | 209 |
| Income before extraordinary items | $12,452,000 | 221 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $12,452,000 | 221 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $460,000 | 343 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $12,452,000 | 219 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $282,682,000 | 172 |
| Total interest expense | $115,732,000 | 160 |
| Net interest income | $166,950,000 | 180 |
| Provision for loan and lease losses | $8,417,000 | 162 |
| Total noninterest income | $32,122,000 | 275 |
| Gross Fiduciary activities income | $178,000 | 831 |
| Service charges on deposit accounts | $14,169,000 | 141 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $17,775,000 | 307 |
| Total noninterest expense | $118,969,000 | 195 |
| Salaries and employee benefits | $41,263,000 | 233 |
| Premises and equipment expense | $8,445,000 | 303 |
| Additional noninterest expense | $69,261,000 | 154 |
| Pre-tax net operating income | $71,686,000 | 218 |
| Securities gains (losses) | $-10,592,000 | 8,813 |
| Applicable income taxes | $18,762,000 | 252 |
| Income before extraordinary items | $42,332,000 | 238 |
| Extraordinary gains, net | $-396,000 | 8,826 |
| Net income | $41,936,000 | 240 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,129,000 | 205 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $49,640,480 | 216 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $204,663,000 | 176 |
| Total interest expense | $81,008,000 | 161 |
| Net interest income | $123,655,000 | 184 |
| Provision for loan and lease losses | $5,775,000 | 168 |
| Total noninterest income | $21,577,000 | 302 |
| Gross Fiduciary activities income | $134,000 | 809 |
| Service charges on deposit accounts | $10,255,000 | 143 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $11,188,000 | 336 |
| Total noninterest expense | $84,934,000 | 203 |
| Salaries and employee benefits | $29,718,000 | 243 |
| Premises and equipment expense | $6,099,000 | 312 |
| Additional noninterest expense | $49,117,000 | 160 |
| Pre-tax net operating income | $54,523,000 | 217 |
| Securities gains (losses) | $-413,000 | 8,776 |
| Applicable income taxes | $17,861,000 | 214 |
| Income before extraordinary items | $36,249,000 | 227 |
| Extraordinary gains, net | $-396,000 | 8,853 |
| Net income | $35,853,000 | 228 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,052,000 | 235 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $36,525,710 | 220 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $130,157,000 | 180 |
| Total interest expense | $47,223,000 | 165 |
| Net interest income | $82,934,000 | 179 |
| Provision for loan and lease losses | $3,507,000 | 170 |
| Total noninterest income | $13,054,000 | 320 |
| Gross Fiduciary activities income | $83,000 | 838 |
| Service charges on deposit accounts | $6,002,000 | 151 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $6,969,000 | 344 |
| Total noninterest expense | $54,189,000 | 203 |
| Salaries and employee benefits | $18,402,000 | 254 |
| Premises and equipment expense | $3,828,000 | 331 |
| Additional noninterest expense | $31,959,000 | 160 |
| Pre-tax net operating income | $38,292,000 | 209 |
| Securities gains (losses) | $518,000 | 218 |
| Applicable income taxes | $12,809,000 | 206 |
| Income before extraordinary items | $26,001,000 | 218 |
| Extraordinary gains, net | $-396,000 | 8,865 |
| Net income | $25,605,000 | 220 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,368,000 | 293 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $25,653,940 | 214 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $60,933,000 | 180 |
| Total interest expense | $21,344,000 | 174 |
| Net interest income | $39,589,000 | 189 |
| Provision for loan and lease losses | $1,722,000 | 171 |
| Total noninterest income | $5,506,000 | 359 |
| Gross Fiduciary activities income | $40,000 | 850 |
| Service charges on deposit accounts | $2,692,000 | 160 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $2,774,000 | 389 |
| Total noninterest expense | $24,618,000 | 223 |
| Salaries and employee benefits | $8,530,000 | 280 |
| Premises and equipment expense | $1,846,000 | 340 |
| Additional noninterest expense | $14,242,000 | 173 |
| Pre-tax net operating income | $18,755,000 | 214 |
| Securities gains (losses) | $271,000 | 213 |
| Applicable income taxes | $6,279,000 | 210 |
| Income before extraordinary items | $12,747,000 | 220 |
| Extraordinary gains, net | $-396,000 | 8,930 |
| Net income | $12,351,000 | 224 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $458,000 | 370 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $12,565,430 | 221 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $157,847,000 | 232 |
| Total interest expense | $45,328,000 | 229 |
| Net interest income | $112,519,000 | 227 |
| Provision for loan and lease losses | $7,387,000 | 186 |
| Total noninterest income | $17,999,000 | 419 |
| Gross Fiduciary activities income | $82,000 | 970 |
| Service charges on deposit accounts | $9,967,000 | 185 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $7,950,000 | 479 |
| Total noninterest expense | $72,005,000 | 279 |
| Salaries and employee benefits | $25,077,000 | 366 |
| Premises and equipment expense | $8,176,000 | 294 |
| Additional noninterest expense | $38,752,000 | 220 |
| Pre-tax net operating income | $51,126,000 | 251 |
| Securities gains (losses) | $-8,450,000 | 8,959 |
| Applicable income taxes | $17,052,000 | 255 |
| Income before extraordinary items | $25,624,000 | 333 |
| Extraordinary gains, net | $-489,000 | 8,969 |
| Net income | $25,135,000 | 334 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,245,000 | 181 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $31,032,000 | 265 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $102,132,000 | 255 |
| Total interest expense | $28,315,000 | 256 |
| Net interest income | $73,817,000 | 256 |
| Provision for loan and lease losses | $4,319,000 | 231 |
| Total noninterest income | $12,552,000 | 450 |
| Gross Fiduciary activities income | $58,000 | 987 |
| Service charges on deposit accounts | $6,981,000 | 200 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $5,513,000 | 507 |
| Total noninterest expense | $46,823,000 | 305 |
| Salaries and employee benefits | $16,201,000 | 423 |
| Premises and equipment expense | $5,614,000 | 318 |
| Additional noninterest expense | $25,008,000 | 245 |
| Pre-tax net operating income | $35,227,000 | 271 |
| Securities gains (losses) | $1,137,000 | 244 |
| Applicable income taxes | $11,214,000 | 283 |
| Income before extraordinary items | $25,150,000 | 264 |
| Extraordinary gains, net | $-165,000 | 9,013 |
| Net income | $24,985,000 | 266 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,548,000 | 234 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $24,365,470 | 262 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $52,355,000 | 308 |
| Total interest expense | $14,059,000 | 316 |
| Net interest income | $38,296,000 | 299 |
| Provision for loan and lease losses | $3,445,000 | 202 |
| Total noninterest income | $7,075,000 | 485 |
| Gross Fiduciary activities income | $57,000 | 927 |
| Service charges on deposit accounts | $3,774,000 | 236 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $3,244,000 | 560 |
| Total noninterest expense | $24,341,000 | 376 |
| Salaries and employee benefits | $8,748,000 | 512 |
| Premises and equipment expense | $2,925,000 | 412 |
| Additional noninterest expense | $12,668,000 | 276 |
| Pre-tax net operating income | $17,585,000 | 323 |
| Securities gains (losses) | $181,000 | 693 |
| Applicable income taxes | $5,634,000 | 344 |
| Income before extraordinary items | $12,132,000 | 335 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $12,132,000 | 334 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,104,000 | 253 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $12,008,920 | 321 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $25,418,000 | 319 |
| Total interest expense | $6,607,000 | 337 |
| Net interest income | $18,811,000 | 305 |
| Provision for loan and lease losses | $1,579,000 | 224 |
| Total noninterest income | $3,550,000 | 488 |
| Gross Fiduciary activities income | $23,000 | 976 |
| Service charges on deposit accounts | $1,825,000 | 242 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $1,702,000 | 540 |
| Total noninterest expense | $12,443,000 | 372 |
| Salaries and employee benefits | $4,303,000 | 522 |
| Premises and equipment expense | $1,425,000 | 425 |
| Additional noninterest expense | $6,715,000 | 258 |
| Pre-tax net operating income | $8,339,000 | 336 |
| Securities gains (losses) | $4,000 | 2,410 |
| Applicable income taxes | $2,503,000 | 380 |
| Income before extraordinary items | $5,840,000 | 343 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $5,840,000 | 344 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,186,000 | 244 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $5,837,200 | 323 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $94,391,000 | 332 |
| Total interest expense | $28,585,000 | 340 |
| Net interest income | $65,806,000 | 336 |
| Provision for loan and lease losses | $7,068,000 | 257 |
| Total noninterest income | $12,011,000 | 568 |
| Gross Fiduciary activities income | $43,000 | 1,101 |
| Service charges on deposit accounts | $7,785,000 | 229 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $4,183,000 | 865 |
| Total noninterest expense | $51,544,000 | 361 |
| Salaries and employee benefits | $18,736,000 | 474 |
| Premises and equipment expense | $6,134,000 | 397 |
| Additional noninterest expense | $26,674,000 | 275 |
| Pre-tax net operating income | $19,205,000 | 495 |
| Securities gains (losses) | $2,702,000 | 239 |
| Applicable income taxes | $6,923,000 | 480 |
| Income before extraordinary items | $14,984,000 | 475 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $14,984,000 | 477 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,210,000 | 272 |
| Cash dividends | $1,750,000 | 1,546 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $13,146,640 | 504 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $69,856,000 | 347 |
| Total interest expense | $21,090,000 | 361 |
| Net interest income | $48,766,000 | 346 |
| Provision for loan and lease losses | $5,192,000 | 272 |
| Total noninterest income | $8,833,000 | 606 |
| Gross Fiduciary activities income | $26,000 | 1,139 |
| Service charges on deposit accounts | $5,789,000 | 240 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,018,000 | 921 |
| Total noninterest expense | $39,102,000 | 363 |
| Salaries and employee benefits | $14,308,000 | 480 |
| Premises and equipment expense | $4,641,000 | 399 |
| Additional noninterest expense | $20,153,000 | 275 |
| Pre-tax net operating income | $13,305,000 | 537 |
| Securities gains (losses) | $2,542,000 | 231 |
| Applicable income taxes | $5,088,000 | 501 |
| Income before extraordinary items | $10,759,000 | 511 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $10,759,000 | 511 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,042,000 | 269 |
| Cash dividends | $1,750,000 | 1,130 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $9,030,440 | 543 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $46,360,000 | 350 |
| Total interest expense | $13,858,000 | 378 |
| Net interest income | $32,502,000 | 349 |
| Provision for loan and lease losses | $3,308,000 | 271 |
| Total noninterest income | $5,692,000 | 614 |
| Gross Fiduciary activities income | $14,000 | 1,176 |
| Service charges on deposit accounts | $3,771,000 | 248 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,907,000 | 950 |
| Total noninterest expense | $26,270,000 | 366 |
| Salaries and employee benefits | $9,699,000 | 474 |
| Premises and equipment expense | $3,175,000 | 392 |
| Additional noninterest expense | $13,396,000 | 276 |
| Pre-tax net operating income | $8,616,000 | 549 |
| Securities gains (losses) | $2,157,000 | 219 |
| Applicable income taxes | $3,566,000 | 490 |
| Income before extraordinary items | $7,207,000 | 514 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $7,207,000 | 514 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,548,000 | 280 |
| Cash dividends | $1,750,000 | 841 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $5,761,810 | 559 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $21,759,000 | 369 |
| Total interest expense | $6,498,000 | 401 |
| Net interest income | $15,261,000 | 366 |
| Provision for loan and lease losses | $1,990,000 | 245 |
| Total noninterest income | $2,680,000 | 637 |
| Gross Fiduciary activities income | $7,000 | 1,175 |
| Service charges on deposit accounts | $1,828,000 | 252 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $845,000 | 1,003 |
| Total noninterest expense | $13,369,000 | 360 |
| Salaries and employee benefits | $4,783,000 | 480 |
| Premises and equipment expense | $1,585,000 | 396 |
| Additional noninterest expense | $7,001,000 | 263 |
| Pre-tax net operating income | $2,582,000 | 878 |
| Securities gains (losses) | $-26,000 | 9,202 |
| Applicable income taxes | $937,000 | 846 |
| Income before extraordinary items | $1,619,000 | 1,034 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,619,000 | 1,032 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,258,000 | 285 |
| Cash dividends | $1,750,000 | 423 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,635,640 | 949 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $58,697,000 | 545 |
| Total interest expense | $22,976,000 | 509 |
| Net interest income | $35,721,000 | 546 |
| Provision for loan and lease losses | $6,799,000 | 311 |
| Total noninterest income | $5,677,000 | 935 |
| Gross Fiduciary activities income | $25,000 | 1,234 |
| Service charges on deposit accounts | $3,741,000 | 434 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,911,000 | 1,360 |
| Total noninterest expense | $32,009,000 | 535 |
| Salaries and employee benefits | $8,763,000 | 917 |
| Premises and equipment expense | $3,395,000 | 657 |
| Additional noninterest expense | $19,851,000 | 352 |
| Pre-tax net operating income | $2,590,000 | 2,813 |
| Securities gains (losses) | $40,000 | 2,603 |
| Applicable income taxes | $735,000 | 2,740 |
| Income before extraordinary items | $1,895,000 | 2,926 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,895,000 | 2,924 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,303,000 | 312 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,866,200 | 2,864 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $51,808,000 | 682 |
| Total interest expense | $26,909,000 | 623 |
| Net interest income | $24,899,000 | 706 |
| Provision for loan and lease losses | $5,785,000 | 324 |
| Total noninterest income | $3,212,000 | 1,405 |
| Gross Fiduciary activities income | $9,000 | 1,449 |
| Service charges on deposit accounts | $1,860,000 | 789 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,343,000 | 1,666 |
| Total noninterest expense | $19,308,000 | 782 |
| Salaries and employee benefits | $7,684,000 | 975 |
| Premises and equipment expense | $2,197,000 | 950 |
| Additional noninterest expense | $9,427,000 | 600 |
| Pre-tax net operating income | $3,018,000 | 2,250 |
| Securities gains (losses) | $600,000 | 554 |
| Applicable income taxes | $1,261,000 | 1,741 |
| Income before extraordinary items | $2,357,000 | 2,198 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,357,000 | 2,202 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,743,000 | 383 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,967,000 | 2,494 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $40,611,000 | 876 |
| Total interest expense | $18,942,000 | 946 |
| Net interest income | $21,669,000 | 808 |
| Provision for loan and lease losses | $2,202,000 | 570 |
| Total noninterest income | $1,953,000 | 1,908 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,317,000 | 1,021 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $636,000 | 2,545 |
| Total noninterest expense | $19,120,000 | 783 |
| Salaries and employee benefits | $8,843,000 | 791 |
| Premises and equipment expense | $2,030,000 | 981 |
| Additional noninterest expense | $8,247,000 | 662 |
| Pre-tax net operating income | $2,300,000 | 2,977 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $809,000 | 2,504 |
| Income before extraordinary items | $1,491,000 | 3,274 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,491,000 | 3,273 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $225,000 | 2,226 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,491,000 | 3,271 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $26,934,000 | 1,213 |
| Total interest expense | $10,557,000 | 1,416 |
| Net interest income | $16,377,000 | 1,069 |
| Provision for loan and lease losses | $955,000 | 1,017 |
| Total noninterest income | $2,367,000 | 1,637 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,188,000 | 1,123 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,179,000 | 1,671 |
| Total noninterest expense | $13,854,000 | 1,006 |
| Salaries and employee benefits | $5,646,000 | 1,216 |
| Premises and equipment expense | $1,701,000 | 1,180 |
| Additional noninterest expense | $6,507,000 | 806 |
| Pre-tax net operating income | $3,935,000 | 1,868 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,443,000 | 1,647 |
| Income before extraordinary items | $2,492,000 | 2,109 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,492,000 | 2,110 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $491,000 | 1,241 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $2,125,000 | 422 |
| Net operating income | $2,492,000 | 2,077 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $16,158,000 | 2,013 |
| Total interest expense | $6,166,000 | 2,458 |
| Net interest income | $9,992,000 | 1,713 |
| Provision for loan and lease losses | $1,595,000 | 679 |
| Total noninterest income | $1,884,000 | 1,917 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $712,000 | 1,795 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,172,000 | 1,655 |
| Total noninterest expense | $7,133,000 | 1,824 |
| Salaries and employee benefits | $4,543,000 | 1,438 |
| Premises and equipment expense | $868,000 | 2,242 |
| Additional noninterest expense | $1,722,000 | 2,414 |
| Pre-tax net operating income | $3,148,000 | 2,270 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,146,000 | 2,071 |
| Income before extraordinary items | $2,002,000 | 2,554 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,002,000 | 2,555 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 9,354 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $2,063,000 | 375 |
| Net operating income | $2,002,000 | 2,468 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,479,000 | 3,766 |
| Total interest expense | $3,006,000 | 4,702 |
| Net interest income | $5,473,000 | 3,193 |
| Provision for loan and lease losses | $462,000 | 1,902 |
| Total noninterest income | $836,000 | 3,467 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $505,000 | 2,600 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $331,000 | 3,707 |
| Total noninterest expense | $6,344,000 | 2,033 |
| Salaries and employee benefits | $2,325,000 | 2,849 |
| Premises and equipment expense | $525,000 | 3,551 |
| Additional noninterest expense | $3,494,000 | 1,256 |
| Pre-tax net operating income | $-497,000 | 10,743 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $-196,000 | 10,789 |
| Income before extraordinary items | $-301,000 | 10,673 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-301,000 | 10,673 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 5,007 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $5,964,000 | 168 |
| Net operating income | $-301,000 | 10,653 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,743,000 | 6,157 |
| Total interest expense | $1,720,000 | 7,030 |
| Net interest income | $3,023,000 | 5,420 |
| Provision for loan and lease losses | $459,000 | 1,858 |
| Total noninterest income | $436,000 | 5,658 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $331,000 | 3,934 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $105,000 | 6,983 |
| Total noninterest expense | $2,141,000 | 5,647 |
| Salaries and employee benefits | $1,275,000 | 4,926 |
| Premises and equipment expense | $335,000 | 5,166 |
| Additional noninterest expense | $531,000 | 6,826 |
| Pre-tax net operating income | $859,000 | 6,254 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $318,000 | 5,629 |
| Income before extraordinary items | $541,000 | 6,620 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $541,000 | 6,623 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 7,336 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $541,000 | 6,555 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,116,000 | 9,545 |
| Total interest expense | $780,000 | 10,025 |
| Net interest income | $1,336,000 | 8,970 |
| Provision for loan and lease losses | $320,000 | 2,185 |
| Total noninterest income | $276,000 | 7,362 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $208,000 | 5,544 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $68,000 | 8,433 |
| Total noninterest expense | $1,349,000 | 7,741 |
| Salaries and employee benefits | $770,000 | 7,265 |
| Premises and equipment expense | $221,000 | 6,820 |
| Additional noninterest expense | $358,000 | 8,613 |
| Pre-tax net operating income | $-57,000 | 11,566 |
| Securities gains (losses) | $-110,000 | 11,528 |
| Applicable income taxes | $-63,000 | 11,661 |
| Income before extraordinary items | $-104,000 | 11,606 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-104,000 | 11,604 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 5,140 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $5,817,000 | 81 |
| Net operating income | $-33,600 | 11,532 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,172,000 | 11,403 |
| Total interest expense | $396,000 | 11,607 |
| Net interest income | $776,000 | 11,133 |
| Provision for loan and lease losses | $37,000 | 6,726 |
| Total noninterest income | $233,000 | 8,201 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $189,000 | 6,086 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $44,000 | 9,933 |
| Total noninterest expense | $741,000 | 10,518 |
| Salaries and employee benefits | $366,000 | 10,589 |
| Premises and equipment expense | $100,000 | 10,031 |
| Additional noninterest expense | $275,000 | 10,242 |
| Pre-tax net operating income | $231,000 | 10,652 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $85,000 | 9,683 |
| Income before extraordinary items | $146,000 | 10,866 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $146,000 | 10,872 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,849 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $146,000 | 10,921 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $947,000 | 12,402 |
| Total interest expense | $315,000 | 12,611 |
| Net interest income | $632,000 | 12,104 |
| Provision for loan and lease losses | $38,000 | 8,041 |
| Total noninterest income | $201,000 | 9,206 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $176,000 | 6,452 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $25,000 | 11,679 |
| Total noninterest expense | $669,000 | 11,312 |
| Salaries and employee benefits | $297,000 | 11,678 |
| Premises and equipment expense | $94,000 | 10,650 |
| Additional noninterest expense | $278,000 | 10,714 |
| Pre-tax net operating income | $126,000 | 11,664 |
| Securities gains (losses) | $11,000 | 5,374 |
| Applicable income taxes | $48,000 | 10,991 |
| Income before extraordinary items | $89,000 | 11,912 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $89,000 | 11,956 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 11,470 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $81,850 | 11,814 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $920,000 | 13,157 |
| Total interest expense | $365,000 | 13,315 |
| Net interest income | $555,000 | 12,892 |
| Provision for loan and lease losses | $41,000 | 9,446 |
| Total noninterest income | $113,000 | 11,376 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $95,000 | 8,668 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 12,735 |
| Total noninterest expense | $545,000 | 12,375 |
| Salaries and employee benefits | $242,000 | 12,692 |
| Premises and equipment expense | $84,000 | 11,345 |
| Additional noninterest expense | $219,000 | 11,977 |
| Pre-tax net operating income | $82,000 | 12,182 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $26,000 | 11,922 |
| Income before extraordinary items | $56,000 | 12,500 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $56,000 | 12,510 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 8,022 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $56,000 | 12,230 |
* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.