Home > Mercantile County Bank > Income and Expense
Mercantile County Bank, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $32,344,000 | 658 |
| Total interest expense | $11,698,000 | 848 |
| Net interest income | $20,646,000 | 564 |
| Provision for loan and lease losses | $350,000 | 1,363 |
| Total noninterest income | $3,692,000 | 824 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $2,186,000 | 401 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,506,000 | 1,042 |
| Total noninterest expense | $9,786,000 | 963 |
| Salaries and employee benefits | $4,407,000 | 1,158 |
| Premises and equipment expense | $1,270,000 | 1,037 |
| Additional noninterest expense | $4,109,000 | 689 |
| Pre-tax net operating income | $14,202,000 | 424 |
| Securities gains (losses) | $40,000 | 578 |
| Applicable income taxes | $5,507,000 | 363 |
| Income before extraordinary items | $8,735,000 | 471 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $8,735,000 | 470 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 2,815 |
| Cash dividends | $2,944,000 | 663 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $8,709,400 | 462 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $16,046,000 | 651 |
| Total interest expense | $5,945,000 | 816 |
| Net interest income | $10,101,000 | 578 |
| Provision for loan and lease losses | $100,000 | 2,001 |
| Total noninterest income | $1,746,000 | 833 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $997,000 | 422 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $749,000 | 1,032 |
| Total noninterest expense | $5,034,000 | 931 |
| Salaries and employee benefits | $2,297,000 | 1,122 |
| Premises and equipment expense | $669,000 | 980 |
| Additional noninterest expense | $2,068,000 | 673 |
| Pre-tax net operating income | $6,713,000 | 436 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $2,614,000 | 375 |
| Income before extraordinary items | $4,099,000 | 481 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $4,099,000 | 480 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 1,850 |
| Cash dividends | $2,943,000 | 348 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $4,099,000 | 472 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $59,602,000 | 649 |
| Total interest expense | $19,155,000 | 870 |
| Net interest income | $40,447,000 | 573 |
| Provision for loan and lease losses | $-2,284,000 | 8,657 |
| Total noninterest income | $6,520,000 | 879 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $3,324,000 | 518 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $3,196,000 | 952 |
| Total noninterest expense | $19,279,000 | 918 |
| Salaries and employee benefits | $7,987,000 | 1,223 |
| Premises and equipment expense | $2,443,000 | 1,026 |
| Additional noninterest expense | $8,849,000 | 620 |
| Pre-tax net operating income | $29,972,000 | 409 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $11,041,000 | 364 |
| Income before extraordinary items | $18,931,000 | 446 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $18,931,000 | 445 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $368,000 | 1,438 |
| Cash dividends | $11,864,000 | 341 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 1,233 |
| Net operating income | $18,931,000 | 435 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $43,890,000 | 669 |
| Total interest expense | $13,474,000 | 907 |
| Net interest income | $30,416,000 | 581 |
| Provision for loan and lease losses | $-2,284,000 | 8,720 |
| Total noninterest income | $4,852,000 | 901 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $2,419,000 | 534 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,433,000 | 956 |
| Total noninterest expense | $14,568,000 | 919 |
| Salaries and employee benefits | $6,036,000 | 1,221 |
| Premises and equipment expense | $1,845,000 | 1,032 |
| Additional noninterest expense | $6,687,000 | 628 |
| Pre-tax net operating income | $22,984,000 | 423 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $8,810,000 | 367 |
| Income before extraordinary items | $14,174,000 | 466 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $14,174,000 | 465 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $262,000 | 1,269 |
| Cash dividends | $8,860,000 | 334 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 1,026 |
| Net operating income | $14,174,000 | 455 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $28,774,000 | 671 |
| Total interest expense | $8,411,000 | 917 |
| Net interest income | $20,363,000 | 577 |
| Provision for loan and lease losses | $-2,284,000 | 8,759 |
| Total noninterest income | $3,111,000 | 917 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,475,000 | 579 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,636,000 | 958 |
| Total noninterest expense | $9,601,000 | 932 |
| Salaries and employee benefits | $3,905,000 | 1,272 |
| Premises and equipment expense | $1,219,000 | 1,041 |
| Additional noninterest expense | $4,477,000 | 634 |
| Pre-tax net operating income | $16,157,000 | 399 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $6,160,000 | 357 |
| Income before extraordinary items | $9,997,000 | 444 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $9,997,000 | 443 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 2,578 |
| Cash dividends | $5,972,000 | 322 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $9,997,000 | 434 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $14,201,000 | 666 |
| Total interest expense | $4,036,000 | 902 |
| Net interest income | $10,165,000 | 572 |
| Provision for loan and lease losses | $-200,000 | 8,699 |
| Total noninterest income | $1,489,000 | 937 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $711,000 | 579 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $778,000 | 974 |
| Total noninterest expense | $4,864,000 | 923 |
| Salaries and employee benefits | $1,985,000 | 1,255 |
| Premises and equipment expense | $608,000 | 1,049 |
| Additional noninterest expense | $2,271,000 | 618 |
| Pre-tax net operating income | $6,990,000 | 440 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $2,651,000 | 393 |
| Income before extraordinary items | $4,339,000 | 487 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $4,339,000 | 486 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,443 |
| Cash dividends | $2,961,000 | 319 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $4,339,000 | 478 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $52,032,000 | 631 |
| Total interest expense | $11,308,000 | 989 |
| Net interest income | $40,724,000 | 548 |
| Provision for loan and lease losses | $820,000 | 1,238 |
| Total noninterest income | $6,200,000 | 915 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $3,084,000 | 546 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,116,000 | 993 |
| Total noninterest expense | $18,345,000 | 922 |
| Salaries and employee benefits | $9,242,000 | 995 |
| Premises and equipment expense | $2,410,000 | 999 |
| Additional noninterest expense | $6,693,000 | 785 |
| Pre-tax net operating income | $27,759,000 | 428 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $10,515,000 | 385 |
| Income before extraordinary items | $17,244,000 | 462 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $17,244,000 | 462 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $638,000 | 958 |
| Cash dividends | $11,867,000 | 336 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 897 |
| Net operating income | $17,244,000 | 451 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $38,113,000 | 631 |
| Total interest expense | $7,747,000 | 1,014 |
| Net interest income | $30,366,000 | 543 |
| Provision for loan and lease losses | $570,000 | 1,247 |
| Total noninterest income | $4,632,000 | 911 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $2,316,000 | 544 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,316,000 | 999 |
| Total noninterest expense | $13,986,000 | 904 |
| Salaries and employee benefits | $7,227,000 | 932 |
| Premises and equipment expense | $1,784,000 | 999 |
| Additional noninterest expense | $4,975,000 | 779 |
| Pre-tax net operating income | $20,442,000 | 438 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $7,827,000 | 392 |
| Income before extraordinary items | $12,615,000 | 478 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $12,615,000 | 478 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $595,000 | 726 |
| Cash dividends | $8,824,000 | 313 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $12,615,000 | 461 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $24,642,000 | 632 |
| Total interest expense | $4,672,000 | 1,067 |
| Net interest income | $19,970,000 | 540 |
| Provision for loan and lease losses | $250,000 | 1,767 |
| Total noninterest income | $2,980,000 | 932 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $1,493,000 | 554 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,487,000 | 1,014 |
| Total noninterest expense | $9,330,000 | 892 |
| Salaries and employee benefits | $4,777,000 | 937 |
| Premises and equipment expense | $1,194,000 | 987 |
| Additional noninterest expense | $3,359,000 | 776 |
| Pre-tax net operating income | $13,370,000 | 437 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $5,119,000 | 398 |
| Income before extraordinary items | $8,251,000 | 477 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $8,251,000 | 477 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $358,000 | 780 |
| Cash dividends | $5,704,000 | 307 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $8,251,000 | 463 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $11,955,000 | 635 |
| Total interest expense | $2,169,000 | 1,082 |
| Net interest income | $9,786,000 | 544 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $1,443,000 | 931 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $720,000 | 552 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $723,000 | 1,019 |
| Total noninterest expense | $4,547,000 | 914 |
| Salaries and employee benefits | $2,363,000 | 945 |
| Premises and equipment expense | $597,000 | 998 |
| Additional noninterest expense | $1,587,000 | 797 |
| Pre-tax net operating income | $6,682,000 | 427 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $2,558,000 | 395 |
| Income before extraordinary items | $4,124,000 | 473 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $4,124,000 | 473 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 1,124 |
| Cash dividends | $2,799,000 | 280 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $4,124,000 | 459 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $44,374,000 | 635 |
| Total interest expense | $7,417,000 | 1,093 |
| Net interest income | $36,957,000 | 555 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $5,867,000 | 938 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $2,950,000 | 587 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,917,000 | 1,010 |
| Total noninterest expense | $19,577,000 | 825 |
| Salaries and employee benefits | $10,505,000 | 815 |
| Premises and equipment expense | $2,360,000 | 969 |
| Additional noninterest expense | $6,712,000 | 764 |
| Pre-tax net operating income | $23,247,000 | 444 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $8,786,000 | 397 |
| Income before extraordinary items | $14,461,000 | 493 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $14,461,000 | 494 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $483,000 | 1,375 |
| Cash dividends | $11,501,000 | 331 |
| Sale, conversion, retirement of capital stock, net | $9,000 | 826 |
| Net operating income | $14,461,000 | 482 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $32,737,000 | 638 |
| Total interest expense | $5,443,000 | 1,095 |
| Net interest income | $27,294,000 | 560 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $4,328,000 | 964 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $2,156,000 | 612 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,172,000 | 1,014 |
| Total noninterest expense | $14,568,000 | 833 |
| Salaries and employee benefits | $8,071,000 | 793 |
| Premises and equipment expense | $1,761,000 | 973 |
| Additional noninterest expense | $4,736,000 | 794 |
| Pre-tax net operating income | $17,054,000 | 454 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $6,396,000 | 406 |
| Income before extraordinary items | $10,658,000 | 501 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $10,658,000 | 502 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $402,000 | 1,154 |
| Cash dividends | $8,772,000 | 304 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $10,658,000 | 481 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $11,200,000 | 1,227 |
| Total interest expense | $1,978,000 | 1,988 |
| Net interest income | $9,222,000 | 1,060 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $1,776,000 | 1,406 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $789,000 | 1,126 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $987,000 | 1,334 |
| Total noninterest expense | $5,262,000 | 1,537 |
| Salaries and employee benefits | $2,601,000 | 1,691 |
| Premises and equipment expense | $711,000 | 1,624 |
| Additional noninterest expense | $1,950,000 | 1,242 |
| Pre-tax net operating income | $5,736,000 | 765 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $2,104,000 | 696 |
| Income before extraordinary items | $3,632,000 | 901 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,632,000 | 901 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 3,038 |
| Cash dividends | $3,212,000 | 464 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $3,632,000 | 859 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $5,571,000 | 1,242 |
| Total interest expense | $1,006,000 | 1,978 |
| Net interest income | $4,565,000 | 1,086 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $800,000 | 1,497 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $373,000 | 1,144 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $427,000 | 1,461 |
| Total noninterest expense | $2,616,000 | 1,550 |
| Salaries and employee benefits | $1,316,000 | 1,685 |
| Premises and equipment expense | $356,000 | 1,644 |
| Additional noninterest expense | $944,000 | 1,271 |
| Pre-tax net operating income | $2,749,000 | 792 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $1,002,000 | 732 |
| Income before extraordinary items | $1,747,000 | 928 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,747,000 | 928 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 2,731 |
| Cash dividends | $1,372,000 | 506 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,747,000 | 886 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $22,484,000 | 1,268 |
| Total interest expense | $4,052,000 | 2,192 |
| Net interest income | $18,432,000 | 1,043 |
| Provision for loan and lease losses | $-110,000 | 9,041 |
| Total noninterest income | $3,169,000 | 1,608 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,523,000 | 1,135 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,646,000 | 1,694 |
| Total noninterest expense | $10,421,000 | 1,532 |
| Salaries and employee benefits | $5,254,000 | 1,640 |
| Premises and equipment expense | $1,345,000 | 1,687 |
| Additional noninterest expense | $3,822,000 | 1,299 |
| Pre-tax net operating income | $11,290,000 | 772 |
| Securities gains (losses) | $211,000 | 1,308 |
| Applicable income taxes | $4,222,000 | 711 |
| Income before extraordinary items | $7,279,000 | 892 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $7,279,000 | 894 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $128,000 | 3,638 |
| Cash dividends | $10,988,000 | 359 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $7,143,960 | 849 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $16,850,000 | 1,291 |
| Total interest expense | $3,004,000 | 2,290 |
| Net interest income | $13,846,000 | 1,056 |
| Provision for loan and lease losses | $240,000 | 2,928 |
| Total noninterest income | $2,374,000 | 1,652 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,119,000 | 1,163 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,255,000 | 1,747 |
| Total noninterest expense | $7,689,000 | 1,571 |
| Salaries and employee benefits | $3,894,000 | 1,669 |
| Premises and equipment expense | $1,017,000 | 1,683 |
| Additional noninterest expense | $2,778,000 | 1,326 |
| Pre-tax net operating income | $8,291,000 | 818 |
| Securities gains (losses) | $211,000 | 1,199 |
| Applicable income taxes | $3,122,000 | 744 |
| Income before extraordinary items | $5,380,000 | 940 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $5,380,000 | 940 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 4,125 |
| Cash dividends | $9,800,000 | 316 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $5,244,960 | 895 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $11,289,000 | 1,296 |
| Total interest expense | $1,981,000 | 2,391 |
| Net interest income | $9,308,000 | 1,047 |
| Provision for loan and lease losses | $240,000 | 2,189 |
| Total noninterest income | $1,539,000 | 1,687 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $724,000 | 1,184 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $815,000 | 1,755 |
| Total noninterest expense | $5,106,000 | 1,573 |
| Salaries and employee benefits | $2,558,000 | 1,681 |
| Premises and equipment expense | $688,000 | 1,660 |
| Additional noninterest expense | $1,860,000 | 1,327 |
| Pre-tax net operating income | $5,501,000 | 816 |
| Securities gains (losses) | $211,000 | 1,016 |
| Applicable income taxes | $2,099,000 | 747 |
| Income before extraordinary items | $3,613,000 | 937 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,613,000 | 937 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 3,326 |
| Cash dividends | $2,661,000 | 582 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $3,477,960 | 893 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $5,537,000 | 1,320 |
| Total interest expense | $1,025,000 | 2,381 |
| Net interest income | $4,512,000 | 1,084 |
| Provision for loan and lease losses | $120,000 | 2,030 |
| Total noninterest income | $732,000 | 1,708 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $345,000 | 1,204 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $387,000 | 1,779 |
| Total noninterest expense | $2,556,000 | 1,561 |
| Salaries and employee benefits | $1,276,000 | 1,674 |
| Premises and equipment expense | $350,000 | 1,645 |
| Additional noninterest expense | $930,000 | 1,305 |
| Pre-tax net operating income | $2,568,000 | 886 |
| Securities gains (losses) | $32,000 | 1,647 |
| Applicable income taxes | $947,000 | 838 |
| Income before extraordinary items | $1,653,000 | 1,017 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,653,000 | 1,015 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 2,279 |
| Cash dividends | $1,304,000 | 539 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,632,520 | 952 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $22,190,000 | 1,383 |
| Total interest expense | $4,586,000 | 2,426 |
| Net interest income | $17,604,000 | 1,088 |
| Provision for loan and lease losses | $240,000 | 3,935 |
| Total noninterest income | $3,261,000 | 1,472 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,518,000 | 1,059 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,743,000 | 1,462 |
| Total noninterest expense | $9,726,000 | 1,580 |
| Salaries and employee benefits | $4,886,000 | 1,651 |
| Premises and equipment expense | $1,279,000 | 1,726 |
| Additional noninterest expense | $3,561,000 | 1,347 |
| Pre-tax net operating income | $10,899,000 | 798 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $3,874,000 | 746 |
| Income before extraordinary items | $7,025,000 | 893 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $7,025,000 | 891 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $235,000 | 2,769 |
| Cash dividends | $4,803,000 | 650 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $7,025,000 | 861 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $24,099,000 | 1,412 |
| Total interest expense | $7,497,000 | 2,139 |
| Net interest income | $16,602,000 | 1,075 |
| Provision for loan and lease losses | $683,000 | 1,709 |
| Total noninterest income | $2,895,000 | 1,521 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,375,000 | 1,082 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,520,000 | 1,504 |
| Total noninterest expense | $8,962,000 | 1,626 |
| Salaries and employee benefits | $4,280,000 | 1,756 |
| Premises and equipment expense | $1,199,000 | 1,799 |
| Additional noninterest expense | $3,483,000 | 1,344 |
| Pre-tax net operating income | $9,852,000 | 777 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $3,539,000 | 729 |
| Income before extraordinary items | $6,313,000 | 874 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $6,313,000 | 876 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $148,000 | 3,399 |
| Cash dividends | $4,418,000 | 680 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $6,313,000 | 832 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $24,369,000 | 1,431 |
| Total interest expense | $8,109,000 | 2,119 |
| Net interest income | $16,260,000 | 1,090 |
| Provision for loan and lease losses | $775,000 | 1,301 |
| Total noninterest income | $2,847,000 | 1,417 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,397,000 | 962 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,450,000 | 1,420 |
| Total noninterest expense | $8,775,000 | 1,604 |
| Salaries and employee benefits | $4,214,000 | 1,698 |
| Premises and equipment expense | $1,102,000 | 1,886 |
| Additional noninterest expense | $3,459,000 | 1,316 |
| Pre-tax net operating income | $9,557,000 | 809 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $3,458,000 | 734 |
| Income before extraordinary items | $6,099,000 | 863 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $6,099,000 | 862 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 3,357 |
| Cash dividends | $4,231,000 | 722 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $6,099,000 | 864 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $22,439,000 | 1,450 |
| Total interest expense | $7,112,000 | 2,096 |
| Net interest income | $15,327,000 | 1,147 |
| Provision for loan and lease losses | $772,000 | 1,226 |
| Total noninterest income | $2,519,000 | 1,558 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,392,000 | 949 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,127,000 | 1,719 |
| Total noninterest expense | $8,436,000 | 1,627 |
| Salaries and employee benefits | $4,193,000 | 1,642 |
| Premises and equipment expense | $1,128,000 | 1,815 |
| Additional noninterest expense | $3,115,000 | 1,474 |
| Pre-tax net operating income | $8,638,000 | 933 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $3,043,000 | 875 |
| Income before extraordinary items | $5,595,000 | 989 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $5,595,000 | 989 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $718,000 | 909 |
| Cash dividends | $3,916,000 | 794 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $5,595,000 | 975 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $23,277,000 | 1,387 |
| Total interest expense | $8,063,000 | 1,895 |
| Net interest income | $15,214,000 | 1,109 |
| Provision for loan and lease losses | $923,000 | 1,042 |
| Total noninterest income | $2,219,000 | 1,688 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,174,000 | 1,073 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,045,000 | 1,793 |
| Total noninterest expense | $8,419,000 | 1,574 |
| Salaries and employee benefits | $3,536,000 | 1,882 |
| Premises and equipment expense | $1,163,000 | 1,699 |
| Additional noninterest expense | $3,720,000 | 1,203 |
| Pre-tax net operating income | $8,091,000 | 963 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $2,867,000 | 910 |
| Income before extraordinary items | $5,224,000 | 1,029 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $5,224,000 | 1,029 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $756,000 | 925 |
| Cash dividends | $3,607,000 | 843 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $5,224,000 | 990 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $23,227,000 | 1,414 |
| Total interest expense | $8,383,000 | 1,849 |
| Net interest income | $14,844,000 | 1,183 |
| Provision for loan and lease losses | $1,012,000 | 979 |
| Total noninterest income | $2,319,000 | 1,563 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,094,000 | 1,157 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,225,000 | 1,528 |
| Total noninterest expense | $8,486,000 | 1,548 |
| Salaries and employee benefits | $4,443,000 | 1,469 |
| Premises and equipment expense | $1,148,000 | 1,706 |
| Additional noninterest expense | $2,895,000 | 1,488 |
| Pre-tax net operating income | $7,665,000 | 1,055 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $2,809,000 | 986 |
| Income before extraordinary items | $4,856,000 | 1,145 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $4,856,000 | 1,146 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $539,000 | 1,267 |
| Cash dividends | $3,428,000 | 846 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $4,856,000 | 1,119 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $22,366,000 | 1,511 |
| Total interest expense | $8,056,000 | 1,951 |
| Net interest income | $14,310,000 | 1,254 |
| Provision for loan and lease losses | $1,251,000 | 860 |
| Total noninterest income | $1,820,000 | 1,993 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $902,000 | 1,489 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $918,000 | 1,921 |
| Total noninterest expense | $8,082,000 | 1,754 |
| Salaries and employee benefits | $4,264,000 | 1,560 |
| Premises and equipment expense | $1,117,000 | 1,797 |
| Additional noninterest expense | $2,701,000 | 1,888 |
| Pre-tax net operating income | $6,797,000 | 1,092 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $2,519,000 | 1,007 |
| Income before extraordinary items | $4,278,000 | 1,188 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $4,278,000 | 1,190 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $679,000 | 1,143 |
| Cash dividends | $3,010,000 | 946 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $4,278,000 | 1,167 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $21,850,000 | 1,551 |
| Total interest expense | $8,501,000 | 1,860 |
| Net interest income | $13,349,000 | 1,341 |
| Provision for loan and lease losses | $700,000 | 1,215 |
| Total noninterest income | $1,677,000 | 2,110 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $888,000 | 1,533 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $789,000 | 2,128 |
| Total noninterest expense | $8,461,000 | 1,666 |
| Salaries and employee benefits | $4,487,000 | 1,481 |
| Premises and equipment expense | $1,108,000 | 1,823 |
| Additional noninterest expense | $2,866,000 | 1,766 |
| Pre-tax net operating income | $5,865,000 | 1,300 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $2,202,000 | 1,172 |
| Income before extraordinary items | $3,663,000 | 1,419 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $3,663,000 | 1,417 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $705,000 | 1,110 |
| Cash dividends | $1,749,000 | 1,352 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $3,663,000 | 1,400 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $20,160,000 | 1,532 |
| Total interest expense | $6,523,000 | 1,912 |
| Net interest income | $13,637,000 | 1,324 |
| Provision for loan and lease losses | $391,000 | 1,857 |
| Total noninterest income | $1,443,000 | 2,366 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $891,000 | 1,513 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $552,000 | 2,759 |
| Total noninterest expense | $8,077,000 | 1,799 |
| Salaries and employee benefits | $4,294,000 | 1,553 |
| Premises and equipment expense | $958,000 | 2,110 |
| Additional noninterest expense | $2,825,000 | 1,915 |
| Pre-tax net operating income | $6,612,000 | 1,150 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $2,507,000 | 1,008 |
| Income before extraordinary items | $4,105,000 | 1,227 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $4,105,000 | 1,227 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $376,000 | 1,651 |
| Cash dividends | $1,636,000 | 1,308 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $4,105,000 | 1,239 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $19,271,000 | 1,634 |
| Total interest expense | $6,343,000 | 2,043 |
| Net interest income | $12,928,000 | 1,403 |
| Provision for loan and lease losses | $420,000 | 2,359 |
| Total noninterest income | $1,148,000 | 3,009 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $855,000 | 1,604 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $293,000 | 4,529 |
| Total noninterest expense | $7,489,000 | 1,965 |
| Salaries and employee benefits | $3,932,000 | 1,716 |
| Premises and equipment expense | $920,000 | 2,226 |
| Additional noninterest expense | $2,637,000 | 2,112 |
| Pre-tax net operating income | $6,167,000 | 1,129 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $2,417,000 | 1,039 |
| Income before extraordinary items | $3,750,000 | 1,351 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $3,750,000 | 1,395 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $524,000 | 1,715 |
| Cash dividends | $1,536,000 | 1,247 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $3,750,000 | 1,267 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $20,618,000 | 1,718 |
| Total interest expense | $7,905,000 | 2,157 |
| Net interest income | $12,713,000 | 1,454 |
| Provision for loan and lease losses | $1,412,000 | 1,463 |
| Total noninterest income | $1,078,000 | 3,115 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $837,000 | 1,628 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $241,000 | 5,087 |
| Total noninterest expense | $7,194,000 | 2,055 |
| Salaries and employee benefits | $3,731,000 | 1,781 |
| Premises and equipment expense | $883,000 | 2,344 |
| Additional noninterest expense | $2,580,000 | 2,263 |
| Pre-tax net operating income | $5,185,000 | 1,234 |
| Securities gains (losses) | $695,000 | 844 |
| Applicable income taxes | $2,221,000 | 1,033 |
| Income before extraordinary items | $3,659,000 | 1,279 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $3,659,000 | 1,280 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $247,000 | 3,744 |
| Cash dividends | $1,433,000 | 1,147 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $3,214,200 | 1,336 |
* 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.