Home > Mercantile National Bank > Income and Expense
Mercantile National Bank, Income and Expense
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,854,000 | 2,160 |
| Total interest expense | $1,953,000 | 2,359 |
| Net interest income | $2,901,000 | 2,000 |
| Provision for loan and lease losses | $-200,000 | 8,581 |
| Total noninterest income | $118,000 | 5,171 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $79,000 | 3,930 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $39,000 | 5,553 |
| Total noninterest expense | $2,048,000 | 2,250 |
| Salaries and employee benefits | $1,282,000 | 2,004 |
| Premises and equipment expense | $204,000 | 3,055 |
| Additional noninterest expense | $562,000 | 2,346 |
| Pre-tax net operating income | $1,171,000 | 1,900 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $498,000 | 1,289 |
| Income before extraordinary items | $673,000 | 2,415 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $673,000 | 2,414 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $673,000 | 2,395 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $18,608,000 | 2,121 |
| Total interest expense | $5,745,000 | 2,687 |
| Net interest income | $12,863,000 | 1,793 |
| Provision for loan and lease losses | $124,000 | 4,346 |
| Total noninterest income | $1,205,000 | 3,124 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $298,000 | 4,145 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $907,000 | 2,382 |
| Total noninterest expense | $8,156,000 | 2,171 |
| Salaries and employee benefits | $5,095,000 | 1,910 |
| Premises and equipment expense | $771,000 | 3,098 |
| Additional noninterest expense | $2,290,000 | 2,272 |
| Pre-tax net operating income | $5,788,000 | 1,664 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $2,485,000 | 1,109 |
| Income before extraordinary items | $3,303,000 | 2,107 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,303,000 | 2,108 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 4,393 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $3,303,000 | 2,092 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $13,602,000 | 2,156 |
| Total interest expense | $3,950,000 | 2,810 |
| Net interest income | $9,652,000 | 1,810 |
| Provision for loan and lease losses | $90,000 | 4,225 |
| Total noninterest income | $375,000 | 5,158 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $221,000 | 4,208 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $154,000 | 5,074 |
| Total noninterest expense | $5,831,000 | 2,266 |
| Salaries and employee benefits | $3,468,000 | 2,114 |
| Premises and equipment expense | $570,000 | 3,132 |
| Additional noninterest expense | $1,793,000 | 2,178 |
| Pre-tax net operating income | $4,106,000 | 1,796 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,765,000 | 1,214 |
| Income before extraordinary items | $2,341,000 | 2,273 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,341,000 | 2,276 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 4,263 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,341,000 | 2,258 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $8,783,000 | 2,183 |
| Total interest expense | $2,354,000 | 2,973 |
| Net interest income | $6,429,000 | 1,815 |
| Provision for loan and lease losses | $40,000 | 4,712 |
| Total noninterest income | $265,000 | 5,017 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $149,000 | 4,158 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $116,000 | 4,813 |
| Total noninterest expense | $3,982,000 | 2,212 |
| Salaries and employee benefits | $2,357,000 | 2,077 |
| Premises and equipment expense | $372,000 | 3,168 |
| Additional noninterest expense | $1,253,000 | 2,088 |
| Pre-tax net operating income | $2,672,000 | 1,848 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,148,000 | 1,245 |
| Income before extraordinary items | $1,524,000 | 2,311 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,524,000 | 2,314 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,524,000 | 2,293 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,113,000 | 2,267 |
| Total interest expense | $996,000 | 3,267 |
| Net interest income | $3,117,000 | 1,854 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $138,000 | 4,874 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $73,000 | 4,136 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $65,000 | 4,564 |
| Total noninterest expense | $1,975,000 | 2,249 |
| Salaries and employee benefits | $1,137,000 | 2,168 |
| Premises and equipment expense | $188,000 | 3,161 |
| Additional noninterest expense | $650,000 | 2,008 |
| Pre-tax net operating income | $1,280,000 | 1,870 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $550,000 | 1,287 |
| Income before extraordinary items | $730,000 | 2,375 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $730,000 | 2,376 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $730,000 | 2,352 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $13,730,000 | 2,410 |
| Total interest expense | $1,720,000 | 4,867 |
| Net interest income | $12,010,000 | 1,829 |
| Provision for loan and lease losses | $-819,000 | 8,772 |
| Total noninterest income | $587,000 | 4,838 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $404,000 | 3,533 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $183,000 | 5,339 |
| Total noninterest expense | $7,854,000 | 2,122 |
| Salaries and employee benefits | $4,257,000 | 2,158 |
| Premises and equipment expense | $767,000 | 3,001 |
| Additional noninterest expense | $2,830,000 | 1,779 |
| Pre-tax net operating income | $5,562,000 | 1,676 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $2,310,000 | 1,211 |
| Income before extraordinary items | $3,252,000 | 2,104 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,252,000 | 2,104 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,192,000 | 8,814 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,252,000 | 2,076 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $9,851,000 | 2,456 |
| Total interest expense | $981,000 | 5,488 |
| Net interest income | $8,870,000 | 1,843 |
| Provision for loan and lease losses | $-819,000 | 8,800 |
| Total noninterest income | $453,000 | 4,803 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $319,000 | 3,423 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $134,000 | 5,406 |
| Total noninterest expense | $5,901,000 | 2,095 |
| Salaries and employee benefits | $3,075,000 | 2,213 |
| Premises and equipment expense | $573,000 | 2,999 |
| Additional noninterest expense | $2,253,000 | 1,667 |
| Pre-tax net operating income | $4,241,000 | 1,679 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,760,000 | 1,205 |
| Income before extraordinary items | $2,481,000 | 2,080 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,481,000 | 2,079 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,192,000 | 8,841 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,481,000 | 2,047 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $6,345,000 | 2,476 |
| Total interest expense | $551,000 | 5,799 |
| Net interest income | $5,794,000 | 1,874 |
| Provision for loan and lease losses | $51,000 | 4,505 |
| Total noninterest income | $312,000 | 4,687 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $221,000 | 3,281 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $91,000 | 5,365 |
| Total noninterest expense | $3,860,000 | 2,116 |
| Salaries and employee benefits | $1,973,000 | 2,288 |
| Premises and equipment expense | $372,000 | 3,038 |
| Additional noninterest expense | $1,515,000 | 1,629 |
| Pre-tax net operating income | $2,195,000 | 2,042 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $911,000 | 1,467 |
| Income before extraordinary items | $1,284,000 | 2,511 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,284,000 | 2,511 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-111,000 | 8,683 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,284,000 | 2,470 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,133,000 | 2,469 |
| Total interest expense | $271,000 | 5,754 |
| Net interest income | $2,862,000 | 1,874 |
| Provision for loan and lease losses | $51,000 | 3,150 |
| Total noninterest income | $160,000 | 4,552 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $121,000 | 3,015 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $39,000 | 5,696 |
| Total noninterest expense | $1,929,000 | 2,144 |
| Salaries and employee benefits | $977,000 | 2,324 |
| Premises and equipment expense | $190,000 | 3,006 |
| Additional noninterest expense | $762,000 | 1,616 |
| Pre-tax net operating income | $1,042,000 | 2,090 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $433,000 | 1,519 |
| Income before extraordinary items | $609,000 | 2,583 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $609,000 | 2,584 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,685 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $609,000 | 2,543 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $10,227,000 | 2,773 |
| Total interest expense | $845,000 | 6,105 |
| Net interest income | $9,382,000 | 2,175 |
| Provision for loan and lease losses | $95,000 | 5,096 |
| Total noninterest income | $865,000 | 3,862 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $729,000 | 2,303 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $136,000 | 5,870 |
| Total noninterest expense | $7,754,000 | 2,059 |
| Salaries and employee benefits | $4,102,000 | 2,117 |
| Premises and equipment expense | $949,000 | 2,404 |
| Additional noninterest expense | $2,703,000 | 1,811 |
| Pre-tax net operating income | $2,398,000 | 3,106 |
| Securities gains (losses) | $-197,000 | 8,796 |
| Applicable income taxes | $930,000 | 2,280 |
| Income before extraordinary items | $1,271,000 | 4,050 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,271,000 | 4,051 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-41,000 | 8,630 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,397,080 | 3,756 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $7,386,000 | 2,836 |
| Total interest expense | $616,000 | 6,185 |
| Net interest income | $6,770,000 | 2,232 |
| Provision for loan and lease losses | $45,000 | 5,471 |
| Total noninterest income | $670,000 | 3,833 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $581,000 | 2,217 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $89,000 | 6,140 |
| Total noninterest expense | $5,599,000 | 2,131 |
| Salaries and employee benefits | $3,090,000 | 2,110 |
| Premises and equipment expense | $751,000 | 2,286 |
| Additional noninterest expense | $1,758,000 | 2,051 |
| Pre-tax net operating income | $1,796,000 | 3,158 |
| Securities gains (losses) | $-79,000 | 8,870 |
| Applicable income taxes | $719,000 | 2,265 |
| Income before extraordinary items | $998,000 | 4,007 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $998,000 | 4,008 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-61,000 | 8,710 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,048,560 | 3,819 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,472,000 | 3,073 |
| Total interest expense | $392,000 | 6,339 |
| Net interest income | $4,080,000 | 2,445 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $442,000 | 3,864 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $409,000 | 2,105 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $33,000 | 7,099 |
| Total noninterest expense | $3,706,000 | 2,150 |
| Salaries and employee benefits | $2,051,000 | 2,126 |
| Premises and equipment expense | $524,000 | 2,181 |
| Additional noninterest expense | $1,131,000 | 2,136 |
| Pre-tax net operating income | $816,000 | 4,054 |
| Securities gains (losses) | $17,000 | 2,130 |
| Applicable income taxes | $342,000 | 2,847 |
| Income before extraordinary items | $491,000 | 4,786 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $491,000 | 4,787 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-35,000 | 8,628 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $480,120 | 4,754 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,179,000 | 3,150 |
| Total interest expense | $176,000 | 6,673 |
| Net interest income | $2,003,000 | 2,489 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $219,000 | 3,845 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $220,000 | 1,910 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $-1,000 | 9,064 |
| Total noninterest expense | $1,792,000 | 2,228 |
| Salaries and employee benefits | $992,000 | 2,214 |
| Premises and equipment expense | $236,000 | 2,428 |
| Additional noninterest expense | $564,000 | 2,103 |
| Pre-tax net operating income | $430,000 | 3,900 |
| Securities gains (losses) | $16,000 | 1,816 |
| Applicable income taxes | $183,000 | 2,718 |
| Income before extraordinary items | $263,000 | 4,617 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $263,000 | 4,617 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 2,783 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $252,760 | 4,603 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $8,113,000 | 3,400 |
| Total interest expense | $773,000 | 6,795 |
| Net interest income | $7,340,000 | 2,638 |
| Provision for loan and lease losses | $475,000 | 2,273 |
| Total noninterest income | $868,000 | 4,028 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $681,000 | 2,418 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $187,000 | 5,428 |
| Total noninterest expense | $7,244,000 | 2,179 |
| Salaries and employee benefits | $3,981,000 | 2,132 |
| Premises and equipment expense | $1,041,000 | 2,189 |
| Additional noninterest expense | $2,222,000 | 2,176 |
| Pre-tax net operating income | $489,000 | 6,714 |
| Securities gains (losses) | $-17,000 | 8,841 |
| Applicable income taxes | $207,000 | 4,874 |
| Income before extraordinary items | $265,000 | 7,447 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $265,000 | 7,449 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,135,000 | 835 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $275,880 | 7,258 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,035,000 | 3,477 |
| Total interest expense | $587,000 | 6,908 |
| Net interest income | $5,448,000 | 2,674 |
| Provision for loan and lease losses | $475,000 | 1,736 |
| Total noninterest income | $644,000 | 4,115 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $515,000 | 2,409 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $129,000 | 5,631 |
| Total noninterest expense | $5,530,000 | 2,148 |
| Salaries and employee benefits | $3,727,000 | 1,740 |
| Premises and equipment expense | $902,000 | 1,903 |
| Additional noninterest expense | $901,000 | 3,711 |
| Pre-tax net operating income | $87,000 | 8,303 |
| Securities gains (losses) | $32,000 | 2,649 |
| Applicable income taxes | $49,000 | 6,220 |
| Income before extraordinary items | $70,000 | 8,417 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $70,000 | 8,419 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,197,000 | 615 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $49,520 | 8,421 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,964,000 | 3,546 |
| Total interest expense | $400,000 | 6,978 |
| Net interest income | $3,564,000 | 2,724 |
| Provision for loan and lease losses | $475,000 | 1,201 |
| Total noninterest income | $408,000 | 4,196 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $331,000 | 2,455 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $77,000 | 5,786 |
| Total noninterest expense | $3,707,000 | 2,120 |
| Salaries and employee benefits | $2,484,000 | 1,729 |
| Premises and equipment expense | $611,000 | 1,869 |
| Additional noninterest expense | $612,000 | 3,645 |
| Pre-tax net operating income | $-210,000 | 8,928 |
| Securities gains (losses) | $32,000 | 2,321 |
| Applicable income taxes | $-73,000 | 9,108 |
| Income before extraordinary items | $-105,000 | 8,921 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-105,000 | 8,922 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,218,000 | 458 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-125,480 | 8,860 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,973,000 | 3,567 |
| Total interest expense | $199,000 | 7,083 |
| Net interest income | $1,774,000 | 2,732 |
| Provision for loan and lease losses | $45,000 | 3,818 |
| Total noninterest income | $197,000 | 4,200 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $158,000 | 2,474 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $39,000 | 5,739 |
| Total noninterest expense | $1,871,000 | 2,093 |
| Salaries and employee benefits | $1,235,000 | 1,728 |
| Premises and equipment expense | $295,000 | 1,937 |
| Additional noninterest expense | $341,000 | 3,269 |
| Pre-tax net operating income | $55,000 | 7,917 |
| Securities gains (losses) | $32,000 | 1,647 |
| Applicable income taxes | $36,000 | 5,525 |
| Income before extraordinary items | $51,000 | 7,870 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $51,000 | 7,869 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $239,000 | 837 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $30,520 | 8,146 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $8,937,000 | 3,321 |
| Total interest expense | $1,345,000 | 6,072 |
| Net interest income | $7,592,000 | 2,521 |
| Provision for loan and lease losses | $50,000 | 6,677 |
| Total noninterest income | $948,000 | 3,596 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $616,000 | 2,520 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $332,000 | 4,044 |
| Total noninterest expense | $7,610,000 | 1,976 |
| Salaries and employee benefits | $4,780,000 | 1,682 |
| Premises and equipment expense | $1,230,000 | 1,806 |
| Additional noninterest expense | $1,600,000 | 2,806 |
| Pre-tax net operating income | $880,000 | 5,541 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $356,000 | 4,119 |
| Income before extraordinary items | $524,000 | 6,291 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $524,000 | 6,290 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $215,000 | 2,907 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $524,000 | 6,140 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $13,041,000 | 2,616 |
| Total interest expense | $3,843,000 | 3,925 |
| Net interest income | $9,198,000 | 1,940 |
| Provision for loan and lease losses | $450,000 | 2,395 |
| Total noninterest income | $801,000 | 3,847 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $537,000 | 2,668 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $264,000 | 4,383 |
| Total noninterest expense | $8,430,000 | 1,728 |
| Salaries and employee benefits | $4,318,000 | 1,742 |
| Premises and equipment expense | $1,282,000 | 1,684 |
| Additional noninterest expense | $2,830,000 | 1,635 |
| Pre-tax net operating income | $1,119,000 | 4,603 |
| Securities gains (losses) | $372,000 | 767 |
| Applicable income taxes | $41,000 | 6,866 |
| Income before extraordinary items | $1,450,000 | 3,296 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,450,000 | 3,300 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $218,000 | 2,729 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,089,160 | 3,931 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $14,320,000 | 2,428 |
| Total interest expense | $5,024,000 | 3,305 |
| Net interest income | $9,296,000 | 1,894 |
| Provision for loan and lease losses | $-576,000 | 9,876 |
| Total noninterest income | $849,000 | 3,525 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $457,000 | 2,923 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $392,000 | 3,398 |
| Total noninterest expense | $7,870,000 | 1,770 |
| Salaries and employee benefits | $3,906,000 | 1,845 |
| Premises and equipment expense | $1,289,000 | 1,612 |
| Additional noninterest expense | $2,675,000 | 1,659 |
| Pre-tax net operating income | $2,851,000 | 2,492 |
| Securities gains (losses) | $18,000 | 979 |
| Applicable income taxes | $67,000 | 6,976 |
| Income before extraordinary items | $2,802,000 | 1,864 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,802,000 | 1,864 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,277,000 | 9,891 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,784,360 | 1,871 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $10,352,000 | 3,118 |
| Total interest expense | $3,560,000 | 3,987 |
| Net interest income | $6,792,000 | 2,581 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $699,000 | 4,005 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $438,000 | 2,966 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $261,000 | 4,344 |
| Total noninterest expense | $6,623,000 | 2,054 |
| Salaries and employee benefits | $3,229,000 | 2,173 |
| Premises and equipment expense | $1,219,000 | 1,677 |
| Additional noninterest expense | $2,175,000 | 2,003 |
| Pre-tax net operating income | $868,000 | 5,695 |
| Securities gains (losses) | $-1,000 | 8,592 |
| Applicable income taxes | $47,000 | 7,686 |
| Income before extraordinary items | $820,000 | 5,022 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $820,000 | 5,021 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $249,000 | 2,079 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $820,950 | 4,989 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $9,774,000 | 3,308 |
| Total interest expense | $3,488,000 | 4,140 |
| Net interest income | $6,286,000 | 2,727 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $816,000 | 3,575 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $427,000 | 2,950 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $389,000 | 3,487 |
| Total noninterest expense | $6,795,000 | 1,915 |
| Salaries and employee benefits | $3,168,000 | 2,136 |
| Premises and equipment expense | $1,190,000 | 1,653 |
| Additional noninterest expense | $2,437,000 | 1,748 |
| Pre-tax net operating income | $307,000 | 8,352 |
| Securities gains (losses) | $39,000 | 1,926 |
| Applicable income taxes | $8,000 | 9,125 |
| Income before extraordinary items | $338,000 | 7,602 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $338,000 | 7,601 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-121,000 | 10,286 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $299,780 | 7,810 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,451,000 | 3,774 |
| Total interest expense | $2,859,000 | 4,919 |
| Net interest income | $5,592,000 | 3,127 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $522,000 | 4,856 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $272,000 | 4,375 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $250,000 | 4,364 |
| Total noninterest expense | $6,097,000 | 2,108 |
| Salaries and employee benefits | $2,887,000 | 2,291 |
| Premises and equipment expense | $1,005,000 | 1,963 |
| Additional noninterest expense | $2,205,000 | 1,929 |
| Pre-tax net operating income | $17,000 | 10,334 |
| Securities gains (losses) | $-37,000 | 10,570 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $-20,000 | 10,427 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-20,000 | 10,430 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $946,000 | 834 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $17,000 | 10,322 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,757,000 | 3,699 |
| Total interest expense | $3,081,000 | 4,667 |
| Net interest income | $5,676,000 | 3,121 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $506,000 | 5,112 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $236,000 | 5,026 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $270,000 | 4,328 |
| Total noninterest expense | $7,859,000 | 1,801 |
| Salaries and employee benefits | $2,718,000 | 2,453 |
| Premises and equipment expense | $1,092,000 | 1,835 |
| Additional noninterest expense | $4,049,000 | 1,345 |
| Pre-tax net operating income | $-1,677,000 | 11,389 |
| Securities gains (losses) | $-3,000 | 9,684 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $-1,680,000 | 11,399 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-1,680,000 | 11,399 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $836,000 | 991 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-1,677,000 | 11,383 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $11,981,000 | 2,789 |
| Total interest expense | $3,981,000 | 3,697 |
| Net interest income | $8,000,000 | 2,253 |
| Provision for loan and lease losses | $2,307,000 | 531 |
| Total noninterest income | $1,218,000 | 2,684 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $316,000 | 4,115 |
| Trading account gains and fees | $199,000 | 245 |
| Additional Noninterest Income | $703,000 | 2,290 |
| Total noninterest expense | $12,231,000 | 1,197 |
| Salaries and employee benefits | $4,019,000 | 1,647 |
| Premises and equipment expense | $1,853,000 | 1,141 |
| Additional noninterest expense | $6,359,000 | 927 |
| Pre-tax net operating income | $-5,320,000 | 11,968 |
| Securities gains (losses) | $-2,527,000 | 11,915 |
| Applicable income taxes | $0 | 11,151 |
| Income before extraordinary items | $-7,847,000 | 11,951 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-7,847,000 | 11,950 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,566,000 | 666 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $-5,320,000 | 11,945 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $20,124,000 | 1,534 |
| Total interest expense | $5,544,000 | 2,245 |
| Net interest income | $14,580,000 | 1,247 |
| Provision for loan and lease losses | $7,330,000 | 228 |
| Total noninterest income | $2,232,000 | 1,695 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $502,000 | 2,736 |
| Trading account gains and fees | $239,000 | 180 |
| Additional Noninterest Income | $1,491,000 | 1,391 |
| Total noninterest expense | $16,660,000 | 925 |
| Salaries and employee benefits | $5,445,000 | 1,232 |
| Premises and equipment expense | $2,248,000 | 951 |
| Additional noninterest expense | $8,967,000 | 753 |
| Pre-tax net operating income | $-7,178,000 | 12,589 |
| Securities gains (losses) | $-1,327,000 | 12,436 |
| Applicable income taxes | $-47,000 | 12,208 |
| Income before extraordinary items | $-8,458,000 | 12,565 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-8,458,000 | 12,564 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,964,000 | 179 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $-7,144,270 | 12,563 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $20,612,000 | 1,523 |
| Total interest expense | $5,935,000 | 2,186 |
| Net interest income | $14,677,000 | 1,235 |
| Provision for loan and lease losses | $2,000,000 | 807 |
| Total noninterest income | $1,643,000 | 2,272 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $619,000 | 2,212 |
| Trading account gains and fees | $43,000 | 339 |
| Additional Noninterest Income | $981,000 | 2,054 |
| Total noninterest expense | $14,212,000 | 1,111 |
| Salaries and employee benefits | $5,316,000 | 1,264 |
| Premises and equipment expense | $2,582,000 | 868 |
| Additional noninterest expense | $6,314,000 | 1,050 |
| Pre-tax net operating income | $108,000 | 11,812 |
| Securities gains (losses) | $100,000 | 2,512 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $208,000 | 10,550 |
| Extraordinary gains, net | $64,000 | 1,977 |
| Net income | $272,000 | 9,935 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,312,000 | 946 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $108,000 | 11,519 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $22,577,000 | 1,598 |
| Total interest expense | $7,680,000 | 2,216 |
| Net interest income | $14,897,000 | 1,253 |
| Provision for loan and lease losses | $3,050,000 | 825 |
| Total noninterest income | $1,800,000 | 2,079 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $711,000 | 1,898 |
| Trading account gains and fees | $106,000 | 262 |
| Additional Noninterest Income | $983,000 | 2,034 |
| Total noninterest expense | $16,946,000 | 971 |
| Salaries and employee benefits | $6,286,000 | 1,071 |
| Premises and equipment expense | $4,777,000 | 531 |
| Additional noninterest expense | $5,883,000 | 1,154 |
| Pre-tax net operating income | $-3,299,000 | 13,734 |
| Securities gains (losses) | $339,000 | 1,423 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-2,960,000 | 13,742 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-2,960,000 | 13,740 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,404,000 | 504 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-3,299,000 | 13,709 |
* 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.