Home > Mercantile Peninsula Bank > Income and Expense
Mercantile Peninsula Bank, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $62,350,000 | 382 |
| Total interest expense | $21,934,000 | 482 |
| Net interest income | $40,416,000 | 324 |
| Provision for loan and lease losses | $-1,000,000 | 8,590 |
| Total noninterest income | $7,676,000 | 469 |
| Gross Fiduciary activities income | $54,000 | 917 |
| Service charges on deposit accounts | $4,009,000 | 227 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $3,613,000 | 543 |
| Total noninterest expense | $17,060,000 | 562 |
| Salaries and employee benefits | $7,930,000 | 621 |
| Premises and equipment expense | $1,869,000 | 733 |
| Additional noninterest expense | $7,261,000 | 434 |
| Pre-tax net operating income | $32,032,000 | 221 |
| Securities gains (losses) | $73,000 | 470 |
| Applicable income taxes | $12,210,000 | 199 |
| Income before extraordinary items | $19,895,000 | 236 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $19,895,000 | 235 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,580,000 | 324 |
| Cash dividends | $6,180,000 | 340 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $19,848,280 | 238 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $30,803,000 | 385 |
| Total interest expense | $11,000,000 | 473 |
| Net interest income | $19,803,000 | 325 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $3,891,000 | 461 |
| Gross Fiduciary activities income | $29,000 | 914 |
| Service charges on deposit accounts | $1,799,000 | 238 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $2,063,000 | 484 |
| Total noninterest expense | $8,562,000 | 558 |
| Salaries and employee benefits | $3,985,000 | 621 |
| Premises and equipment expense | $948,000 | 712 |
| Additional noninterest expense | $3,629,000 | 421 |
| Pre-tax net operating income | $15,132,000 | 229 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $5,720,000 | 208 |
| Income before extraordinary items | $9,412,000 | 254 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $9,412,000 | 253 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 1,766 |
| Cash dividends | $6,180,000 | 206 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $9,412,000 | 251 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $118,214,000 | 370 |
| Total interest expense | $36,687,000 | 484 |
| Net interest income | $81,527,000 | 307 |
| Provision for loan and lease losses | $-2,669,000 | 8,659 |
| Total noninterest income | $14,409,000 | 476 |
| Gross Fiduciary activities income | $91,000 | 946 |
| Service charges on deposit accounts | $6,644,000 | 261 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $7,674,000 | 492 |
| Total noninterest expense | $37,414,000 | 496 |
| Salaries and employee benefits | $15,555,000 | 604 |
| Premises and equipment expense | $3,655,000 | 699 |
| Additional noninterest expense | $18,204,000 | 354 |
| Pre-tax net operating income | $61,191,000 | 226 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $23,070,000 | 210 |
| Income before extraordinary items | $38,121,000 | 249 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $38,121,000 | 248 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $159,000 | 2,501 |
| Cash dividends | $25,760,000 | 197 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 1,208 |
| Net operating income | $38,121,000 | 247 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $87,416,000 | 379 |
| Total interest expense | $26,315,000 | 498 |
| Net interest income | $61,101,000 | 322 |
| Provision for loan and lease losses | $-2,669,000 | 8,726 |
| Total noninterest income | $11,132,000 | 489 |
| Gross Fiduciary activities income | $60,000 | 963 |
| Service charges on deposit accounts | $4,886,000 | 270 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $6,186,000 | 489 |
| Total noninterest expense | $28,597,000 | 508 |
| Salaries and employee benefits | $11,581,000 | 623 |
| Premises and equipment expense | $2,753,000 | 717 |
| Additional noninterest expense | $14,263,000 | 346 |
| Pre-tax net operating income | $46,305,000 | 241 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $17,638,000 | 224 |
| Income before extraordinary items | $28,667,000 | 266 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $28,667,000 | 266 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,490 |
| Cash dividends | $19,312,000 | 193 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 1,004 |
| Net operating income | $28,667,000 | 262 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $57,091,000 | 382 |
| Total interest expense | $16,802,000 | 498 |
| Net interest income | $40,289,000 | 329 |
| Provision for loan and lease losses | $-2,669,000 | 8,762 |
| Total noninterest income | $6,523,000 | 524 |
| Gross Fiduciary activities income | $25,000 | 1,037 |
| Service charges on deposit accounts | $3,073,000 | 282 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $3,425,000 | 546 |
| Total noninterest expense | $18,149,000 | 533 |
| Salaries and employee benefits | $7,453,000 | 656 |
| Premises and equipment expense | $1,798,000 | 733 |
| Additional noninterest expense | $8,898,000 | 372 |
| Pre-tax net operating income | $31,332,000 | 242 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $11,924,000 | 231 |
| Income before extraordinary items | $19,408,000 | 262 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $19,408,000 | 262 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-26,000 | 8,193 |
| Cash dividends | $12,677,000 | 186 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 839 |
| Net operating income | $19,408,000 | 260 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $27,549,000 | 382 |
| Total interest expense | $7,841,000 | 497 |
| Net interest income | $19,708,000 | 331 |
| Provision for loan and lease losses | $-944,000 | 8,763 |
| Total noninterest income | $3,128,000 | 541 |
| Gross Fiduciary activities income | $15,000 | 1,020 |
| Service charges on deposit accounts | $1,495,000 | 279 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,618,000 | 567 |
| Total noninterest expense | $9,212,000 | 518 |
| Salaries and employee benefits | $3,541,000 | 678 |
| Premises and equipment expense | $870,000 | 747 |
| Additional noninterest expense | $4,801,000 | 344 |
| Pre-tax net operating income | $14,568,000 | 258 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $5,550,000 | 233 |
| Income before extraordinary items | $9,018,000 | 280 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $9,018,000 | 279 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 7,838 |
| Cash dividends | $6,155,000 | 171 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 621 |
| Net operating income | $9,018,000 | 276 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $96,963,000 | 380 |
| Total interest expense | $20,025,000 | 584 |
| Net interest income | $76,938,000 | 328 |
| Provision for loan and lease losses | $-3,225,000 | 8,804 |
| Total noninterest income | $13,285,000 | 516 |
| Gross Fiduciary activities income | $47,000 | 1,055 |
| Service charges on deposit accounts | $6,344,000 | 267 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $6,894,000 | 545 |
| Total noninterest expense | $34,667,000 | 525 |
| Salaries and employee benefits | $17,727,000 | 523 |
| Premises and equipment expense | $3,588,000 | 692 |
| Additional noninterest expense | $13,352,000 | 441 |
| Pre-tax net operating income | $58,781,000 | 242 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $22,522,000 | 213 |
| Income before extraordinary items | $36,259,000 | 260 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $36,259,000 | 261 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 3,731 |
| Cash dividends | $24,442,000 | 208 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 897 |
| Net operating income | $36,259,000 | 257 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $70,389,000 | 376 |
| Total interest expense | $13,258,000 | 611 |
| Net interest income | $57,131,000 | 329 |
| Provision for loan and lease losses | $-2,775,000 | 8,826 |
| Total noninterest income | $10,164,000 | 511 |
| Gross Fiduciary activities income | $10,000 | 1,214 |
| Service charges on deposit accounts | $4,727,000 | 265 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $5,427,000 | 536 |
| Total noninterest expense | $26,632,000 | 513 |
| Salaries and employee benefits | $13,759,000 | 503 |
| Premises and equipment expense | $2,675,000 | 684 |
| Additional noninterest expense | $10,198,000 | 431 |
| Pre-tax net operating income | $43,438,000 | 252 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $16,661,000 | 229 |
| Income before extraordinary items | $26,777,000 | 265 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $26,777,000 | 266 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 7,948 |
| Cash dividends | $18,308,000 | 201 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $26,777,000 | 261 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $45,216,000 | 377 |
| Total interest expense | $7,748,000 | 653 |
| Net interest income | $37,468,000 | 325 |
| Provision for loan and lease losses | $-2,125,000 | 8,838 |
| Total noninterest income | $5,826,000 | 560 |
| Gross Fiduciary activities income | $7,000 | 1,215 |
| Service charges on deposit accounts | $3,059,000 | 270 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $2,760,000 | 626 |
| Total noninterest expense | $17,092,000 | 529 |
| Salaries and employee benefits | $9,060,000 | 506 |
| Premises and equipment expense | $1,795,000 | 674 |
| Additional noninterest expense | $6,237,000 | 458 |
| Pre-tax net operating income | $28,327,000 | 245 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $10,875,000 | 228 |
| Income before extraordinary items | $17,452,000 | 266 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $17,452,000 | 266 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-153,000 | 8,727 |
| Cash dividends | $11,150,000 | 185 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $17,452,000 | 260 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $21,918,000 | 378 |
| Total interest expense | $3,625,000 | 662 |
| Net interest income | $18,293,000 | 329 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $2,729,000 | 568 |
| Gross Fiduciary activities income | $4,000 | 1,192 |
| Service charges on deposit accounts | $1,397,000 | 279 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,328,000 | 644 |
| Total noninterest expense | $8,385,000 | 527 |
| Salaries and employee benefits | $4,462,000 | 505 |
| Premises and equipment expense | $888,000 | 680 |
| Additional noninterest expense | $3,035,000 | 463 |
| Pre-tax net operating income | $12,637,000 | 264 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $4,814,000 | 245 |
| Income before extraordinary items | $7,823,000 | 283 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $7,823,000 | 283 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,232 |
| Cash dividends | $5,359,000 | 168 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $7,823,000 | 279 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $81,875,000 | 366 |
| Total interest expense | $12,085,000 | 677 |
| Net interest income | $69,790,000 | 329 |
| Provision for loan and lease losses | $74,000 | 5,437 |
| Total noninterest income | $11,599,000 | 550 |
| Gross Fiduciary activities income | $13,000 | 1,271 |
| Service charges on deposit accounts | $5,745,000 | 297 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $5,841,000 | 596 |
| Total noninterest expense | $35,199,000 | 505 |
| Salaries and employee benefits | $18,565,000 | 482 |
| Premises and equipment expense | $3,606,000 | 645 |
| Additional noninterest expense | $13,028,000 | 441 |
| Pre-tax net operating income | $46,116,000 | 273 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $17,552,000 | 251 |
| Income before extraordinary items | $28,564,000 | 302 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $28,564,000 | 302 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-221,000 | 8,887 |
| Cash dividends | $22,642,000 | 199 |
| Sale, conversion, retirement of capital stock, net | $54,000 | 731 |
| Net operating income | $28,564,000 | 293 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $60,381,000 | 373 |
| Total interest expense | $8,924,000 | 675 |
| Net interest income | $51,457,000 | 334 |
| Provision for loan and lease losses | $74,000 | 4,848 |
| Total noninterest income | $8,907,000 | 545 |
| Gross Fiduciary activities income | $10,000 | 1,242 |
| Service charges on deposit accounts | $4,208,000 | 309 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $4,689,000 | 572 |
| Total noninterest expense | $26,401,000 | 497 |
| Salaries and employee benefits | $14,194,000 | 474 |
| Premises and equipment expense | $2,666,000 | 654 |
| Additional noninterest expense | $9,541,000 | 450 |
| Pre-tax net operating income | $33,889,000 | 280 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $12,939,000 | 257 |
| Income before extraordinary items | $20,950,000 | 302 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $20,950,000 | 303 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-332,000 | 8,957 |
| Cash dividends | $17,335,000 | 189 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $20,950,000 | 290 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $9,735,000 | 1,454 |
| Total interest expense | $1,051,000 | 3,456 |
| Net interest income | $8,684,000 | 1,132 |
| Provision for loan and lease losses | $74,000 | 4,051 |
| Total noninterest income | $1,447,000 | 1,660 |
| Gross Fiduciary activities income | $6,000 | 1,267 |
| Service charges on deposit accounts | $588,000 | 1,491 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $853,000 | 1,485 |
| Total noninterest expense | $3,816,000 | 2,096 |
| Salaries and employee benefits | $2,115,000 | 2,067 |
| Premises and equipment expense | $323,000 | 3,346 |
| Additional noninterest expense | $1,378,000 | 1,732 |
| Pre-tax net operating income | $6,241,000 | 721 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $2,399,000 | 631 |
| Income before extraordinary items | $3,842,000 | 844 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,842,000 | 844 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-68,000 | 8,812 |
| Cash dividends | $3,179,000 | 474 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $3,842,000 | 810 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,748,000 | 1,494 |
| Total interest expense | $537,000 | 3,422 |
| Net interest income | $4,211,000 | 1,177 |
| Provision for loan and lease losses | $74,000 | 2,718 |
| Total noninterest income | $652,000 | 1,760 |
| Gross Fiduciary activities income | $3,000 | 1,247 |
| Service charges on deposit accounts | $285,000 | 1,505 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $364,000 | 1,643 |
| Total noninterest expense | $1,914,000 | 2,091 |
| Salaries and employee benefits | $1,087,000 | 2,026 |
| Premises and equipment expense | $166,000 | 3,298 |
| Additional noninterest expense | $661,000 | 1,801 |
| Pre-tax net operating income | $2,875,000 | 763 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $1,104,000 | 681 |
| Income before extraordinary items | $1,771,000 | 917 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,771,000 | 917 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,804 |
| Cash dividends | $1,187,000 | 587 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,771,000 | 871 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $18,642,000 | 1,544 |
| Total interest expense | $2,290,000 | 3,585 |
| Net interest income | $16,352,000 | 1,184 |
| Provision for loan and lease losses | $561,000 | 1,976 |
| Total noninterest income | $2,782,000 | 1,791 |
| Gross Fiduciary activities income | $12,000 | 1,325 |
| Service charges on deposit accounts | $1,129,000 | 1,525 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,641,000 | 1,698 |
| Total noninterest expense | $7,652,000 | 2,067 |
| Salaries and employee benefits | $4,210,000 | 2,024 |
| Premises and equipment expense | $615,000 | 3,447 |
| Additional noninterest expense | $2,827,000 | 1,715 |
| Pre-tax net operating income | $10,921,000 | 793 |
| Securities gains (losses) | $4,450,000 | 169 |
| Applicable income taxes | $5,681,000 | 564 |
| Income before extraordinary items | $9,690,000 | 672 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $9,690,000 | 674 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $141,000 | 3,488 |
| Cash dividends | $25,253,000 | 195 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $6,842,000 | 885 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $13,921,000 | 1,571 |
| Total interest expense | $1,733,000 | 3,675 |
| Net interest income | $12,188,000 | 1,200 |
| Provision for loan and lease losses | $238,000 | 2,964 |
| Total noninterest income | $2,113,000 | 1,826 |
| Gross Fiduciary activities income | $9,000 | 1,296 |
| Service charges on deposit accounts | $827,000 | 1,563 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,277,000 | 1,727 |
| Total noninterest expense | $5,690,000 | 2,089 |
| Salaries and employee benefits | $3,089,000 | 2,070 |
| Premises and equipment expense | $457,000 | 3,477 |
| Additional noninterest expense | $2,144,000 | 1,689 |
| Pre-tax net operating income | $8,373,000 | 809 |
| Securities gains (losses) | $4,450,000 | 168 |
| Applicable income taxes | $4,764,000 | 527 |
| Income before extraordinary items | $8,059,000 | 643 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $8,059,000 | 644 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 6,480 |
| Cash dividends | $24,101,000 | 173 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $5,211,000 | 900 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $9,265,000 | 1,581 |
| Total interest expense | $1,188,000 | 3,697 |
| Net interest income | $8,077,000 | 1,206 |
| Provision for loan and lease losses | $180,000 | 2,675 |
| Total noninterest income | $1,217,000 | 2,036 |
| Gross Fiduciary activities income | $6,000 | 1,307 |
| Service charges on deposit accounts | $540,000 | 1,575 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $671,000 | 2,034 |
| Total noninterest expense | $3,612,000 | 2,173 |
| Salaries and employee benefits | $2,018,000 | 2,108 |
| Premises and equipment expense | $304,000 | 3,442 |
| Additional noninterest expense | $1,290,000 | 1,863 |
| Pre-tax net operating income | $5,502,000 | 815 |
| Securities gains (losses) | $4,450,000 | 150 |
| Applicable income taxes | $3,708,000 | 477 |
| Income before extraordinary items | $6,244,000 | 574 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $6,244,000 | 573 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,737 |
| Cash dividends | $2,491,000 | 612 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $3,396,000 | 906 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $4,615,000 | 1,609 |
| Total interest expense | $634,000 | 3,590 |
| Net interest income | $3,981,000 | 1,229 |
| Provision for loan and lease losses | $120,000 | 2,030 |
| Total noninterest income | $549,000 | 2,138 |
| Gross Fiduciary activities income | $4,000 | 1,265 |
| Service charges on deposit accounts | $258,000 | 1,588 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $287,000 | 2,171 |
| Total noninterest expense | $1,783,000 | 2,193 |
| Salaries and employee benefits | $1,012,000 | 2,089 |
| Premises and equipment expense | $156,000 | 3,382 |
| Additional noninterest expense | $615,000 | 1,912 |
| Pre-tax net operating income | $2,627,000 | 856 |
| Securities gains (losses) | $135,000 | 841 |
| Applicable income taxes | $1,022,000 | 784 |
| Income before extraordinary items | $1,740,000 | 967 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,740,000 | 966 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 4,155 |
| Cash dividends | $1,296,000 | 549 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,653,600 | 939 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $18,518,000 | 1,659 |
| Total interest expense | $3,325,000 | 3,244 |
| Net interest income | $15,193,000 | 1,270 |
| Provision for loan and lease losses | $180,000 | 4,547 |
| Total noninterest income | $2,591,000 | 1,751 |
| Gross Fiduciary activities income | $12,000 | 1,373 |
| Service charges on deposit accounts | $1,046,000 | 1,545 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,533,000 | 1,622 |
| Total noninterest expense | $7,208,000 | 2,082 |
| Salaries and employee benefits | $3,924,000 | 2,036 |
| Premises and equipment expense | $609,000 | 3,370 |
| Additional noninterest expense | $2,675,000 | 1,749 |
| Pre-tax net operating income | $10,396,000 | 841 |
| Securities gains (losses) | $7,000 | 3,799 |
| Applicable income taxes | $3,830,000 | 754 |
| Income before extraordinary items | $6,573,000 | 948 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $6,573,000 | 948 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-27,000 | 9,029 |
| Cash dividends | $4,569,000 | 668 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $6,568,520 | 908 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $21,151,000 | 1,608 |
| Total interest expense | $6,426,000 | 2,491 |
| Net interest income | $14,725,000 | 1,199 |
| Provision for loan and lease losses | $180,000 | 4,345 |
| Total noninterest income | $2,389,000 | 1,751 |
| Gross Fiduciary activities income | $12,000 | 1,388 |
| Service charges on deposit accounts | $950,000 | 1,565 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,427,000 | 1,594 |
| Total noninterest expense | $6,875,000 | 2,087 |
| Salaries and employee benefits | $3,715,000 | 2,024 |
| Premises and equipment expense | $601,000 | 3,344 |
| Additional noninterest expense | $2,559,000 | 1,786 |
| Pre-tax net operating income | $10,059,000 | 760 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $3,703,000 | 699 |
| Income before extraordinary items | $6,356,000 | 869 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $6,356,000 | 871 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 4,726 |
| Cash dividends | $4,500,000 | 663 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $6,356,000 | 824 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $21,460,000 | 1,604 |
| Total interest expense | $6,724,000 | 2,498 |
| Net interest income | $14,736,000 | 1,192 |
| Provision for loan and lease losses | $495,000 | 1,893 |
| Total noninterest income | $2,298,000 | 1,692 |
| Gross Fiduciary activities income | $13,000 | 1,190 |
| Service charges on deposit accounts | $920,000 | 1,492 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,365,000 | 1,489 |
| Total noninterest expense | $6,695,000 | 2,058 |
| Salaries and employee benefits | $3,541,000 | 2,011 |
| Premises and equipment expense | $569,000 | 3,418 |
| Additional noninterest expense | $2,585,000 | 1,719 |
| Pre-tax net operating income | $9,844,000 | 792 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $3,616,000 | 704 |
| Income before extraordinary items | $6,228,000 | 852 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $6,228,000 | 852 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 9,388 |
| Cash dividends | $4,079,000 | 739 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $6,228,000 | 848 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $19,763,000 | 1,644 |
| Total interest expense | $6,096,000 | 2,419 |
| Net interest income | $13,667,000 | 1,278 |
| Provision for loan and lease losses | $620,000 | 1,457 |
| Total noninterest income | $2,325,000 | 1,663 |
| Gross Fiduciary activities income | $12,000 | 1,254 |
| Service charges on deposit accounts | $933,000 | 1,395 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,380,000 | 1,478 |
| Total noninterest expense | $6,345,000 | 2,141 |
| Salaries and employee benefits | $3,429,000 | 2,048 |
| Premises and equipment expense | $554,000 | 3,475 |
| Additional noninterest expense | $2,362,000 | 1,852 |
| Pre-tax net operating income | $9,027,000 | 912 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $3,295,000 | 812 |
| Income before extraordinary items | $5,732,000 | 969 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $5,732,000 | 969 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $587,000 | 1,069 |
| Cash dividends | $4,221,000 | 741 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $5,732,000 | 959 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $20,792,000 | 1,556 |
| Total interest expense | $7,219,000 | 2,102 |
| Net interest income | $13,573,000 | 1,245 |
| Provision for loan and lease losses | $200,000 | 3,499 |
| Total noninterest income | $2,142,000 | 1,727 |
| Gross Fiduciary activities income | $13,000 | 1,263 |
| Service charges on deposit accounts | $816,000 | 1,551 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,313,000 | 1,526 |
| Total noninterest expense | $6,310,000 | 2,085 |
| Salaries and employee benefits | $3,411,000 | 1,955 |
| Premises and equipment expense | $656,000 | 2,940 |
| Additional noninterest expense | $2,243,000 | 1,884 |
| Pre-tax net operating income | $9,205,000 | 850 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $3,391,000 | 787 |
| Income before extraordinary items | $5,814,000 | 931 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $5,814,000 | 930 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $244,000 | 2,139 |
| Cash dividends | $4,060,000 | 757 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $5,814,000 | 898 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $20,993,000 | 1,572 |
| Total interest expense | $7,644,000 | 2,008 |
| Net interest income | $13,349,000 | 1,300 |
| Provision for loan and lease losses | $268,000 | 2,839 |
| Total noninterest income | $1,851,000 | 1,886 |
| Gross Fiduciary activities income | $19,000 | 1,288 |
| Service charges on deposit accounts | $757,000 | 1,717 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,075,000 | 1,668 |
| Total noninterest expense | $6,029,000 | 2,129 |
| Salaries and employee benefits | $3,324,000 | 1,981 |
| Premises and equipment expense | $635,000 | 2,999 |
| Additional noninterest expense | $2,070,000 | 2,024 |
| Pre-tax net operating income | $8,903,000 | 913 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $3,268,000 | 861 |
| Income before extraordinary items | $5,635,000 | 990 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $5,635,000 | 991 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $446,000 | 1,470 |
| Cash dividends | $3,954,000 | 764 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $5,635,000 | 963 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $19,657,000 | 1,716 |
| Total interest expense | $7,207,000 | 2,166 |
| Net interest income | $12,450,000 | 1,442 |
| Provision for loan and lease losses | $520,000 | 1,680 |
| Total noninterest income | $1,635,000 | 2,150 |
| Gross Fiduciary activities income | $11,000 | 1,397 |
| Service charges on deposit accounts | $632,000 | 2,142 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $992,000 | 1,832 |
| Total noninterest expense | $5,642,000 | 2,437 |
| Salaries and employee benefits | $3,253,000 | 2,033 |
| Premises and equipment expense | $597,000 | 3,230 |
| Additional noninterest expense | $1,792,000 | 2,704 |
| Pre-tax net operating income | $7,923,000 | 967 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $2,905,000 | 897 |
| Income before extraordinary items | $5,018,000 | 1,043 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $5,018,000 | 1,044 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $245,000 | 2,372 |
| Cash dividends | $3,516,000 | 846 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $5,018,000 | 1,025 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $18,745,000 | 1,810 |
| Total interest expense | $6,942,000 | 2,251 |
| Net interest income | $11,803,000 | 1,525 |
| Provision for loan and lease losses | $321,000 | 2,181 |
| Total noninterest income | $1,566,000 | 2,219 |
| Gross Fiduciary activities income | $28,000 | 1,372 |
| Service charges on deposit accounts | $651,000 | 2,087 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $887,000 | 1,960 |
| Total noninterest expense | $5,646,000 | 2,405 |
| Salaries and employee benefits | $3,141,000 | 2,113 |
| Premises and equipment expense | $563,000 | 3,390 |
| Additional noninterest expense | $1,942,000 | 2,458 |
| Pre-tax net operating income | $7,402,000 | 1,053 |
| Securities gains (losses) | $-131,000 | 11,582 |
| Applicable income taxes | $2,640,000 | 1,005 |
| Income before extraordinary items | $4,631,000 | 1,139 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $4,631,000 | 1,137 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,779 |
| Cash dividends | $2,226,000 | 1,138 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $4,714,840 | 1,105 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $16,306,000 | 1,887 |
| Total interest expense | $5,206,000 | 2,371 |
| Net interest income | $11,100,000 | 1,631 |
| Provision for loan and lease losses | $325,000 | 2,132 |
| Total noninterest income | $1,382,000 | 2,449 |
| Gross Fiduciary activities income | $5,000 | 1,522 |
| Service charges on deposit accounts | $543,000 | 2,511 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $834,000 | 2,081 |
| Total noninterest expense | $5,801,000 | 2,420 |
| Salaries and employee benefits | $3,076,000 | 2,155 |
| Premises and equipment expense | $601,000 | 3,264 |
| Additional noninterest expense | $2,124,000 | 2,457 |
| Pre-tax net operating income | $6,356,000 | 1,182 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $2,306,000 | 1,061 |
| Income before extraordinary items | $4,050,000 | 1,243 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $4,050,000 | 1,243 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $252,000 | 2,137 |
| Cash dividends | $1,608,000 | 1,321 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $4,050,000 | 1,260 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $16,253,000 | 1,925 |
| Total interest expense | $5,481,000 | 2,362 |
| Net interest income | $10,772,000 | 1,687 |
| Provision for loan and lease losses | $260,000 | 3,299 |
| Total noninterest income | $825,000 | 3,890 |
| Gross Fiduciary activities income | $7,000 | 1,531 |
| Service charges on deposit accounts | $505,000 | 2,768 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $313,000 | 4,354 |
| Total noninterest expense | $5,531,000 | 2,588 |
| Salaries and employee benefits | $3,089,000 | 2,138 |
| Premises and equipment expense | $589,000 | 3,390 |
| Additional noninterest expense | $1,853,000 | 2,912 |
| Pre-tax net operating income | $5,806,000 | 1,194 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $2,137,000 | 1,138 |
| Income before extraordinary items | $3,669,000 | 1,386 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $3,669,000 | 1,429 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 5,762 |
| Cash dividends | $1,457,000 | 1,310 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $3,669,000 | 1,305 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $17,951,000 | 1,982 |
| Total interest expense | $7,485,000 | 2,267 |
| Net interest income | $10,466,000 | 1,758 |
| Provision for loan and lease losses | $564,000 | 2,756 |
| Total noninterest income | $738,000 | 4,230 |
| Gross Fiduciary activities income | $5,000 | 1,588 |
| Service charges on deposit accounts | $463,000 | 3,014 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $270,000 | 4,733 |
| Total noninterest expense | $5,009,000 | 2,866 |
| Salaries and employee benefits | $2,800,000 | 2,319 |
| Premises and equipment expense | $530,000 | 3,778 |
| Additional noninterest expense | $1,679,000 | 3,255 |
| Pre-tax net operating income | $5,631,000 | 1,153 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $2,027,000 | 1,101 |
| Income before extraordinary items | $3,604,000 | 1,293 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $3,604,000 | 1,294 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $103,000 | 5,843 |
| Cash dividends | $1,448,000 | 1,136 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $3,604,000 | 1,194 |
* 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.