Home > Mercantile Eastern Shore Bank > Income and Expense
Mercantile Eastern Shore Bank, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $19,836,000 | 1,085 |
| Total interest expense | $6,594,000 | 1,519 |
| Net interest income | $13,242,000 | 844 |
| Provision for loan and lease losses | $-1,120,000 | 8,595 |
| Total noninterest income | $2,886,000 | 991 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $1,786,000 | 484 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,100,000 | 1,314 |
| Total noninterest expense | $7,257,000 | 1,289 |
| Salaries and employee benefits | $3,630,000 | 1,420 |
| Premises and equipment expense | $898,000 | 1,490 |
| Additional noninterest expense | $2,729,000 | 1,023 |
| Pre-tax net operating income | $9,991,000 | 530 |
| Securities gains (losses) | $23,000 | 680 |
| Applicable income taxes | $3,788,000 | 469 |
| Income before extraordinary items | $6,226,000 | 597 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $6,226,000 | 596 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $772,000 | 535 |
| Cash dividends | $2,491,000 | 744 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $6,211,280 | 588 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $9,952,000 | 1,069 |
| Total interest expense | $3,359,000 | 1,476 |
| Net interest income | $6,593,000 | 848 |
| Provision for loan and lease losses | $-120,000 | 8,558 |
| Total noninterest income | $1,314,000 | 1,060 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $789,000 | 527 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $525,000 | 1,308 |
| Total noninterest expense | $3,884,000 | 1,215 |
| Salaries and employee benefits | $2,019,000 | 1,275 |
| Premises and equipment expense | $453,000 | 1,473 |
| Additional noninterest expense | $1,412,000 | 960 |
| Pre-tax net operating income | $4,143,000 | 604 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $1,514,000 | 536 |
| Income before extraordinary items | $2,629,000 | 689 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $2,629,000 | 688 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $192,000 | 765 |
| Cash dividends | $2,491,000 | 389 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $2,629,000 | 678 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $39,090,000 | 1,009 |
| Total interest expense | $11,778,000 | 1,424 |
| Net interest income | $27,312,000 | 813 |
| Provision for loan and lease losses | $-1,586,000 | 8,643 |
| Total noninterest income | $4,769,000 | 1,136 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $2,568,000 | 685 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,201,000 | 1,271 |
| Total noninterest expense | $14,490,000 | 1,241 |
| Salaries and employee benefits | $6,546,000 | 1,513 |
| Premises and equipment expense | $1,748,000 | 1,471 |
| Additional noninterest expense | $6,196,000 | 862 |
| Pre-tax net operating income | $19,177,000 | 555 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $7,160,000 | 488 |
| Income before extraordinary items | $12,017,000 | 629 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $12,017,000 | 628 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $250,000 | 1,902 |
| Cash dividends | $8,495,000 | 451 |
| Sale, conversion, retirement of capital stock, net | $66,000 | 967 |
| Net operating income | $12,017,000 | 622 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $28,776,000 | 1,025 |
| Total interest expense | $8,446,000 | 1,447 |
| Net interest income | $20,330,000 | 834 |
| Provision for loan and lease losses | $-1,586,000 | 8,709 |
| Total noninterest income | $3,469,000 | 1,179 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,828,000 | 732 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,641,000 | 1,287 |
| Total noninterest expense | $10,847,000 | 1,253 |
| Salaries and employee benefits | $4,896,000 | 1,522 |
| Premises and equipment expense | $1,292,000 | 1,501 |
| Additional noninterest expense | $4,659,000 | 867 |
| Pre-tax net operating income | $14,538,000 | 576 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $5,501,000 | 502 |
| Income before extraordinary items | $9,037,000 | 657 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $9,037,000 | 656 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $113,000 | 2,167 |
| Cash dividends | $6,505,000 | 409 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 1,026 |
| Net operating income | $9,037,000 | 645 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $18,770,000 | 1,027 |
| Total interest expense | $5,304,000 | 1,465 |
| Net interest income | $13,466,000 | 841 |
| Provision for loan and lease losses | $-1,486,000 | 8,748 |
| Total noninterest income | $2,135,000 | 1,255 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,140,000 | 764 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $995,000 | 1,361 |
| Total noninterest expense | $7,168,000 | 1,272 |
| Salaries and employee benefits | $3,177,000 | 1,559 |
| Premises and equipment expense | $855,000 | 1,520 |
| Additional noninterest expense | $3,136,000 | 855 |
| Pre-tax net operating income | $9,919,000 | 570 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $3,782,000 | 497 |
| Income before extraordinary items | $6,137,000 | 655 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $6,137,000 | 653 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 2,324 |
| Cash dividends | $4,568,000 | 409 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 869 |
| Net operating income | $6,137,000 | 641 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $9,184,000 | 1,017 |
| Total interest expense | $2,451,000 | 1,502 |
| Net interest income | $6,733,000 | 839 |
| Provision for loan and lease losses | $-358,000 | 8,737 |
| Total noninterest income | $1,036,000 | 1,250 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $569,000 | 742 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $467,000 | 1,412 |
| Total noninterest expense | $3,674,000 | 1,247 |
| Salaries and employee benefits | $1,586,000 | 1,569 |
| Premises and equipment expense | $411,000 | 1,588 |
| Additional noninterest expense | $1,677,000 | 797 |
| Pre-tax net operating income | $4,453,000 | 600 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $1,689,000 | 528 |
| Income before extraordinary items | $2,764,000 | 697 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,764,000 | 696 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 1,896 |
| Cash dividends | $2,688,000 | 340 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $2,764,000 | 685 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $34,885,000 | 942 |
| Total interest expense | $7,378,000 | 1,541 |
| Net interest income | $27,507,000 | 766 |
| Provision for loan and lease losses | $500,000 | 1,892 |
| Total noninterest income | $4,047,000 | 1,264 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $2,189,000 | 795 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,858,000 | 1,424 |
| Total noninterest expense | $13,381,000 | 1,283 |
| Salaries and employee benefits | $7,425,000 | 1,243 |
| Premises and equipment expense | $1,642,000 | 1,484 |
| Additional noninterest expense | $4,314,000 | 1,201 |
| Pre-tax net operating income | $17,673,000 | 587 |
| Securities gains (losses) | $279,000 | 427 |
| Applicable income taxes | $6,763,000 | 517 |
| Income before extraordinary items | $11,189,000 | 663 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $11,189,000 | 664 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $138,000 | 2,849 |
| Cash dividends | $11,360,000 | 353 |
| Sale, conversion, retirement of capital stock, net | $78,000 | 753 |
| Net operating income | $11,010,440 | 657 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $25,780,000 | 933 |
| Total interest expense | $5,224,000 | 1,541 |
| Net interest income | $20,556,000 | 760 |
| Provision for loan and lease losses | $500,000 | 1,397 |
| Total noninterest income | $2,959,000 | 1,310 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,601,000 | 811 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,358,000 | 1,457 |
| Total noninterest expense | $10,092,000 | 1,265 |
| Salaries and employee benefits | $5,721,000 | 1,204 |
| Premises and equipment expense | $1,211,000 | 1,503 |
| Additional noninterest expense | $3,160,000 | 1,204 |
| Pre-tax net operating income | $12,923,000 | 600 |
| Securities gains (losses) | $279,000 | 402 |
| Applicable income taxes | $5,001,000 | 524 |
| Income before extraordinary items | $8,201,000 | 677 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $8,201,000 | 677 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-84,000 | 8,590 |
| Cash dividends | $8,468,000 | 323 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $8,022,440 | 661 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $17,008,000 | 918 |
| Total interest expense | $3,346,000 | 1,507 |
| Net interest income | $13,662,000 | 753 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $1,851,000 | 1,347 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $1,049,000 | 807 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $802,000 | 1,580 |
| Total noninterest expense | $6,808,000 | 1,248 |
| Salaries and employee benefits | $3,870,000 | 1,180 |
| Premises and equipment expense | $794,000 | 1,518 |
| Additional noninterest expense | $2,144,000 | 1,163 |
| Pre-tax net operating income | $8,705,000 | 579 |
| Securities gains (losses) | $279,000 | 343 |
| Applicable income taxes | $3,442,000 | 513 |
| Income before extraordinary items | $5,542,000 | 651 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $5,542,000 | 651 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-145,000 | 8,720 |
| Cash dividends | $3,954,000 | 408 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $5,363,440 | 654 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $8,531,000 | 899 |
| Total interest expense | $1,625,000 | 1,473 |
| Net interest income | $6,906,000 | 734 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $845,000 | 1,426 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $506,000 | 806 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $339,000 | 1,740 |
| Total noninterest expense | $3,305,000 | 1,287 |
| Salaries and employee benefits | $1,872,000 | 1,227 |
| Premises and equipment expense | $398,000 | 1,526 |
| Additional noninterest expense | $1,035,000 | 1,196 |
| Pre-tax net operating income | $4,446,000 | 578 |
| Securities gains (losses) | $279,000 | 212 |
| Applicable income taxes | $1,815,000 | 492 |
| Income before extraordinary items | $2,910,000 | 623 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $2,910,000 | 623 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-153,000 | 8,844 |
| Cash dividends | $2,084,000 | 343 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $2,731,440 | 637 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $32,899,000 | 846 |
| Total interest expense | $5,762,000 | 1,429 |
| Net interest income | $27,137,000 | 711 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $3,759,000 | 1,348 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $2,167,000 | 807 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,592,000 | 1,570 |
| Total noninterest expense | $13,189,000 | 1,243 |
| Salaries and employee benefits | $7,081,000 | 1,236 |
| Premises and equipment expense | $1,410,000 | 1,650 |
| Additional noninterest expense | $4,698,000 | 1,062 |
| Pre-tax net operating income | $17,707,000 | 541 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $6,696,000 | 489 |
| Income before extraordinary items | $11,011,000 | 621 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $11,011,000 | 622 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $826,000 | 892 |
| Cash dividends | $9,179,000 | 386 |
| Sale, conversion, retirement of capital stock, net | $41,000 | 748 |
| Net operating income | $11,011,000 | 594 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $24,318,000 | 846 |
| Total interest expense | $4,232,000 | 1,424 |
| Net interest income | $20,086,000 | 715 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $2,842,000 | 1,363 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,628,000 | 805 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,214,000 | 1,550 |
| Total noninterest expense | $9,588,000 | 1,284 |
| Salaries and employee benefits | $5,296,000 | 1,239 |
| Premises and equipment expense | $1,024,000 | 1,702 |
| Additional noninterest expense | $3,268,000 | 1,120 |
| Pre-tax net operating income | $13,340,000 | 539 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $5,045,000 | 481 |
| Income before extraordinary items | $8,295,000 | 617 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $8,295,000 | 618 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $720,000 | 724 |
| Cash dividends | $7,114,000 | 348 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $8,295,000 | 590 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,975,000 | 2,363 |
| Total interest expense | $1,096,000 | 3,316 |
| Net interest income | $4,879,000 | 2,049 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $574,000 | 3,278 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $276,000 | 2,899 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $298,000 | 2,996 |
| Total noninterest expense | $2,356,000 | 3,277 |
| Salaries and employee benefits | $1,362,000 | 3,098 |
| Premises and equipment expense | $253,000 | 4,030 |
| Additional noninterest expense | $741,000 | 3,153 |
| Pre-tax net operating income | $3,097,000 | 1,373 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $1,103,000 | 1,184 |
| Income before extraordinary items | $1,994,000 | 1,609 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,994,000 | 1,610 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $1,905,000 | 735 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,994,000 | 1,548 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,989,000 | 2,366 |
| Total interest expense | $556,000 | 3,319 |
| Net interest income | $2,433,000 | 2,056 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $265,000 | 3,386 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $139,000 | 2,827 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $126,000 | 3,249 |
| Total noninterest expense | $1,136,000 | 3,396 |
| Salaries and employee benefits | $680,000 | 3,111 |
| Premises and equipment expense | $117,000 | 4,321 |
| Additional noninterest expense | $339,000 | 3,390 |
| Pre-tax net operating income | $1,562,000 | 1,343 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $554,000 | 1,204 |
| Income before extraordinary items | $1,008,000 | 1,586 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,008,000 | 1,586 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $880,000 | 756 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,008,000 | 1,495 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $12,385,000 | 2,328 |
| Total interest expense | $2,158,000 | 3,781 |
| Net interest income | $10,227,000 | 1,905 |
| Provision for loan and lease losses | $62,000 | 5,950 |
| Total noninterest income | $1,145,000 | 3,409 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $581,000 | 2,771 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $564,000 | 3,371 |
| Total noninterest expense | $4,446,000 | 3,383 |
| Salaries and employee benefits | $2,570,000 | 3,200 |
| Premises and equipment expense | $490,000 | 4,132 |
| Additional noninterest expense | $1,386,000 | 3,308 |
| Pre-tax net operating income | $6,864,000 | 1,221 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $2,445,000 | 1,093 |
| Income before extraordinary items | $4,419,000 | 1,421 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $4,419,000 | 1,423 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 8,705 |
| Cash dividends | $17,117,000 | 268 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $4,419,000 | 1,361 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $9,328,000 | 2,352 |
| Total interest expense | $1,573,000 | 3,997 |
| Net interest income | $7,755,000 | 1,896 |
| Provision for loan and lease losses | $234,000 | 2,995 |
| Total noninterest income | $860,000 | 3,470 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $425,000 | 2,827 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $435,000 | 3,387 |
| Total noninterest expense | $3,331,000 | 3,378 |
| Salaries and employee benefits | $1,970,000 | 3,139 |
| Premises and equipment expense | $353,000 | 4,239 |
| Additional noninterest expense | $1,008,000 | 3,372 |
| Pre-tax net operating income | $5,050,000 | 1,279 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $1,785,000 | 1,152 |
| Income before extraordinary items | $3,265,000 | 1,507 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $3,265,000 | 1,507 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-32,000 | 8,831 |
| Cash dividends | $16,490,000 | 221 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $3,265,000 | 1,429 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,254,000 | 2,346 |
| Total interest expense | $1,012,000 | 4,213 |
| Net interest income | $5,242,000 | 1,867 |
| Provision for loan and lease losses | $156,000 | 2,937 |
| Total noninterest income | $563,000 | 3,496 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $283,000 | 2,782 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $280,000 | 3,432 |
| Total noninterest expense | $2,162,000 | 3,455 |
| Salaries and employee benefits | $1,281,000 | 3,202 |
| Premises and equipment expense | $225,000 | 4,379 |
| Additional noninterest expense | $656,000 | 3,421 |
| Pre-tax net operating income | $3,487,000 | 1,229 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $1,233,000 | 1,152 |
| Income before extraordinary items | $2,254,000 | 1,461 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,254,000 | 1,461 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-35,000 | 8,911 |
| Cash dividends | $1,683,000 | 864 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,254,000 | 1,367 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,179,000 | 2,324 |
| Total interest expense | $523,000 | 4,196 |
| Net interest income | $2,656,000 | 1,842 |
| Provision for loan and lease losses | $78,000 | 2,765 |
| Total noninterest income | $263,000 | 3,526 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $138,000 | 2,749 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $125,000 | 3,535 |
| Total noninterest expense | $1,090,000 | 3,417 |
| Salaries and employee benefits | $654,000 | 3,124 |
| Premises and equipment expense | $110,000 | 4,431 |
| Additional noninterest expense | $326,000 | 3,392 |
| Pre-tax net operating income | $1,751,000 | 1,230 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $619,000 | 1,158 |
| Income before extraordinary items | $1,132,000 | 1,438 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,132,000 | 1,436 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 4,155 |
| Cash dividends | $915,000 | 749 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,132,000 | 1,350 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $13,200,000 | 2,326 |
| Total interest expense | $2,800,000 | 3,743 |
| Net interest income | $10,400,000 | 1,877 |
| Provision for loan and lease losses | $212,000 | 4,234 |
| Total noninterest income | $1,236,000 | 3,007 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $575,000 | 2,651 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $661,000 | 2,794 |
| Total noninterest expense | $4,369,000 | 3,306 |
| Salaries and employee benefits | $2,518,000 | 3,104 |
| Premises and equipment expense | $428,000 | 4,410 |
| Additional noninterest expense | $1,423,000 | 3,080 |
| Pre-tax net operating income | $7,055,000 | 1,197 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $2,466,000 | 1,087 |
| Income before extraordinary items | $4,589,000 | 1,356 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $4,589,000 | 1,355 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $282,000 | 2,457 |
| Cash dividends | $3,208,000 | 876 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $4,589,000 | 1,310 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $13,789,000 | 2,483 |
| Total interest expense | $4,348,000 | 3,561 |
| Net interest income | $9,441,000 | 1,888 |
| Provision for loan and lease losses | $164,000 | 4,603 |
| Total noninterest income | $1,030,000 | 3,268 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $543,000 | 2,646 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $487,000 | 3,172 |
| Total noninterest expense | $4,252,000 | 3,242 |
| Salaries and employee benefits | $2,356,000 | 3,113 |
| Premises and equipment expense | $419,000 | 4,450 |
| Additional noninterest expense | $1,477,000 | 2,913 |
| Pre-tax net operating income | $6,055,000 | 1,238 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $2,025,000 | 1,164 |
| Income before extraordinary items | $4,030,000 | 1,356 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $4,030,000 | 1,357 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 4,551 |
| Cash dividends | $2,739,000 | 1,006 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $4,030,000 | 1,296 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $13,311,000 | 2,613 |
| Total interest expense | $4,364,000 | 3,716 |
| Net interest income | $8,947,000 | 1,977 |
| Provision for loan and lease losses | $490,000 | 1,910 |
| Total noninterest income | $1,078,000 | 2,979 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $470,000 | 2,853 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $608,000 | 2,613 |
| Total noninterest expense | $3,950,000 | 3,363 |
| Salaries and employee benefits | $2,204,000 | 3,181 |
| Premises and equipment expense | $430,000 | 4,279 |
| Additional noninterest expense | $1,316,000 | 3,148 |
| Pre-tax net operating income | $5,585,000 | 1,322 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,829,000 | 1,270 |
| Income before extraordinary items | $3,756,000 | 1,409 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,756,000 | 1,411 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,468 |
| Cash dividends | $2,712,000 | 1,053 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $3,756,000 | 1,398 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $13,078,000 | 2,501 |
| Total interest expense | $4,371,000 | 3,328 |
| Net interest income | $8,707,000 | 2,021 |
| Provision for loan and lease losses | $455,000 | 1,897 |
| Total noninterest income | $1,195,000 | 2,696 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $458,000 | 2,846 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $737,000 | 2,287 |
| Total noninterest expense | $3,829,000 | 3,448 |
| Salaries and employee benefits | $2,170,000 | 3,185 |
| Premises and equipment expense | $398,000 | 4,553 |
| Additional noninterest expense | $1,261,000 | 3,287 |
| Pre-tax net operating income | $5,618,000 | 1,357 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,872,000 | 1,302 |
| Income before extraordinary items | $3,746,000 | 1,430 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,746,000 | 1,431 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,364 |
| Cash dividends | $2,622,000 | 1,082 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $3,746,000 | 1,405 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $13,384,000 | 2,428 |
| Total interest expense | $4,856,000 | 3,084 |
| Net interest income | $8,528,000 | 2,006 |
| Provision for loan and lease losses | $65,000 | 5,993 |
| Total noninterest income | $900,000 | 3,322 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $437,000 | 2,904 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $463,000 | 3,122 |
| Total noninterest expense | $3,815,000 | 3,363 |
| Salaries and employee benefits | $2,180,000 | 3,075 |
| Premises and equipment expense | $446,000 | 4,045 |
| Additional noninterest expense | $1,189,000 | 3,398 |
| Pre-tax net operating income | $5,548,000 | 1,353 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,895,000 | 1,332 |
| Income before extraordinary items | $3,653,000 | 1,447 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $3,653,000 | 1,445 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 6,871 |
| Cash dividends | $2,557,000 | 1,095 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $3,653,000 | 1,384 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $13,439,000 | 2,436 |
| Total interest expense | $4,831,000 | 3,081 |
| Net interest income | $8,608,000 | 2,024 |
| Provision for loan and lease losses | $121,000 | 4,616 |
| Total noninterest income | $850,000 | 3,432 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $442,000 | 2,946 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $408,000 | 3,247 |
| Total noninterest expense | $3,815,000 | 3,319 |
| Salaries and employee benefits | $2,169,000 | 3,057 |
| Premises and equipment expense | $414,000 | 4,331 |
| Additional noninterest expense | $1,232,000 | 3,284 |
| Pre-tax net operating income | $5,522,000 | 1,405 |
| Securities gains (losses) | $-31,000 | 10,527 |
| Applicable income taxes | $1,930,000 | 1,372 |
| Income before extraordinary items | $3,561,000 | 1,511 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,561,000 | 1,512 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 7,179 |
| Cash dividends | $2,519,000 | 1,082 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $3,581,150 | 1,467 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $13,380,000 | 2,492 |
| Total interest expense | $4,915,000 | 3,054 |
| Net interest income | $8,465,000 | 2,116 |
| Provision for loan and lease losses | $301,000 | 2,549 |
| Total noninterest income | $848,000 | 3,539 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $455,000 | 2,965 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $393,000 | 3,441 |
| Total noninterest expense | $3,811,000 | 3,488 |
| Salaries and employee benefits | $2,122,000 | 3,151 |
| Premises and equipment expense | $427,000 | 4,309 |
| Additional noninterest expense | $1,262,000 | 3,626 |
| Pre-tax net operating income | $5,201,000 | 1,383 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $1,842,000 | 1,328 |
| Income before extraordinary items | $3,359,000 | 1,467 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $3,359,000 | 1,469 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 4,157 |
| Cash dividends | $2,325,000 | 1,155 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $3,359,000 | 1,431 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $12,778,000 | 2,619 |
| Total interest expense | $4,677,000 | 3,207 |
| Net interest income | $8,101,000 | 2,221 |
| Provision for loan and lease losses | $42,000 | 6,540 |
| Total noninterest income | $799,000 | 3,689 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $463,000 | 2,937 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $336,000 | 3,724 |
| Total noninterest expense | $3,745,000 | 3,523 |
| Salaries and employee benefits | $2,091,000 | 3,169 |
| Premises and equipment expense | $402,000 | 4,513 |
| Additional noninterest expense | $1,252,000 | 3,612 |
| Pre-tax net operating income | $5,113,000 | 1,477 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $1,853,000 | 1,361 |
| Income before extraordinary items | $3,260,000 | 1,564 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $3,260,000 | 1,561 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 7,181 |
| Cash dividends | $1,548,000 | 1,477 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $3,260,000 | 1,543 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $11,523,000 | 2,624 |
| Total interest expense | $3,987,000 | 3,066 |
| Net interest income | $7,536,000 | 2,400 |
| Provision for loan and lease losses | $70,000 | 5,310 |
| Total noninterest income | $725,000 | 4,001 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $427,000 | 3,181 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $298,000 | 4,110 |
| Total noninterest expense | $3,765,000 | 3,607 |
| Salaries and employee benefits | $2,007,000 | 3,273 |
| Premises and equipment expense | $396,000 | 4,619 |
| Additional noninterest expense | $1,362,000 | 3,618 |
| Pre-tax net operating income | $4,426,000 | 1,618 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $1,635,000 | 1,437 |
| Income before extraordinary items | $2,791,000 | 1,757 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,791,000 | 1,756 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,826 |
| Cash dividends | $1,106,000 | 1,743 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,791,000 | 1,756 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $11,470,000 | 2,701 |
| Total interest expense | $4,196,000 | 3,022 |
| Net interest income | $7,274,000 | 2,462 |
| Provision for loan and lease losses | $50,000 | 7,415 |
| Total noninterest income | $581,000 | 5,065 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $460,000 | 3,027 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $121,000 | 7,282 |
| Total noninterest expense | $3,464,000 | 3,942 |
| Salaries and employee benefits | $1,970,000 | 3,336 |
| Premises and equipment expense | $383,000 | 4,887 |
| Additional noninterest expense | $1,111,000 | 4,496 |
| Pre-tax net operating income | $4,341,000 | 1,607 |
| Securities gains (losses) | $24,000 | 4,420 |
| Applicable income taxes | $1,681,000 | 1,410 |
| Income before extraordinary items | $2,684,000 | 1,860 |
| Extraordinary gains, net | $-55,000 | 12,753 |
| Net income | $2,629,000 | 1,968 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 5,803 |
| Cash dividends | $1,050,000 | 1,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,668,640 | 1,764 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $12,615,000 | 2,787 |
| Total interest expense | $5,419,000 | 3,065 |
| Net interest income | $7,196,000 | 2,529 |
| Provision for loan and lease losses | $145,000 | 6,193 |
| Total noninterest income | $598,000 | 4,964 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $440,000 | 3,185 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $158,000 | 6,458 |
| Total noninterest expense | $3,512,000 | 3,928 |
| Salaries and employee benefits | $1,992,000 | 3,218 |
| Premises and equipment expense | $377,000 | 5,033 |
| Additional noninterest expense | $1,143,000 | 4,544 |
| Pre-tax net operating income | $4,137,000 | 1,520 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $1,565,000 | 1,403 |
| Income before extraordinary items | $2,572,000 | 1,773 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,572,000 | 1,791 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 6,172 |
| Cash dividends | $1,028,000 | 1,510 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,572,000 | 1,634 |
* 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.