Home > Mercantile Southern Maryland Bank > Income and Expense
Mercantile Southern Maryland Bank, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $31,894,000 | 668 |
| Total interest expense | $9,640,000 | 1,021 |
| Net interest income | $22,254,000 | 524 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $4,806,000 | 658 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $2,443,000 | 367 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $2,363,000 | 744 |
| Total noninterest expense | $10,701,000 | 868 |
| Salaries and employee benefits | $4,961,000 | 1,022 |
| Premises and equipment expense | $1,281,000 | 1,021 |
| Additional noninterest expense | $4,459,000 | 631 |
| Pre-tax net operating income | $16,359,000 | 376 |
| Securities gains (losses) | $28,000 | 639 |
| Applicable income taxes | $6,158,000 | 330 |
| Income before extraordinary items | $10,229,000 | 417 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $10,229,000 | 416 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $105,000 | 2,006 |
| Cash dividends | $4,453,000 | 467 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $10,211,080 | 411 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $15,639,000 | 669 |
| Total interest expense | $4,839,000 | 1,021 |
| Net interest income | $10,800,000 | 538 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $2,236,000 | 686 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $1,111,000 | 380 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $1,125,000 | 747 |
| Total noninterest expense | $5,427,000 | 853 |
| Salaries and employee benefits | $2,611,000 | 977 |
| Premises and equipment expense | $589,000 | 1,144 |
| Additional noninterest expense | $2,227,000 | 621 |
| Pre-tax net operating income | $7,609,000 | 398 |
| Securities gains (losses) | $1,000 | 1,055 |
| Applicable income taxes | $2,839,000 | 353 |
| Income before extraordinary items | $4,771,000 | 435 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $4,771,000 | 434 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 1,723 |
| Cash dividends | $4,453,000 | 263 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $4,770,360 | 427 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $57,491,000 | 673 |
| Total interest expense | $14,927,000 | 1,123 |
| Net interest income | $42,564,000 | 541 |
| Provision for loan and lease losses | $-513,000 | 8,602 |
| Total noninterest income | $10,252,000 | 601 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $3,964,000 | 433 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $6,288,000 | 572 |
| Total noninterest expense | $20,400,000 | 863 |
| Salaries and employee benefits | $8,587,000 | 1,131 |
| Premises and equipment expense | $2,228,000 | 1,149 |
| Additional noninterest expense | $9,585,000 | 585 |
| Pre-tax net operating income | $32,929,000 | 375 |
| Securities gains (losses) | $5,000 | 1,264 |
| Applicable income taxes | $12,198,000 | 340 |
| Income before extraordinary items | $20,736,000 | 412 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $20,736,000 | 411 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $95,000 | 3,223 |
| Cash dividends | $18,799,000 | 247 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 1,233 |
| Net operating income | $20,732,800 | 407 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $41,960,000 | 696 |
| Total interest expense | $10,284,000 | 1,198 |
| Net interest income | $31,676,000 | 558 |
| Provision for loan and lease losses | $-513,000 | 8,676 |
| Total noninterest income | $6,393,000 | 713 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $2,857,000 | 460 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $3,536,000 | 710 |
| Total noninterest expense | $15,451,000 | 864 |
| Salaries and employee benefits | $6,444,000 | 1,146 |
| Premises and equipment expense | $1,671,000 | 1,155 |
| Additional noninterest expense | $7,336,000 | 579 |
| Pre-tax net operating income | $23,131,000 | 421 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $8,625,000 | 374 |
| Income before extraordinary items | $14,506,000 | 458 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $14,506,000 | 457 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 2,707 |
| Cash dividends | $13,340,000 | 251 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 1,026 |
| Net operating income | $14,506,000 | 447 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $27,115,000 | 702 |
| Total interest expense | $6,226,000 | 1,257 |
| Net interest income | $20,889,000 | 565 |
| Provision for loan and lease losses | $-513,000 | 8,716 |
| Total noninterest income | $4,156,000 | 727 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,770,000 | 484 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,386,000 | 701 |
| Total noninterest expense | $10,369,000 | 864 |
| Salaries and employee benefits | $4,231,000 | 1,170 |
| Premises and equipment expense | $1,133,000 | 1,128 |
| Additional noninterest expense | $5,005,000 | 569 |
| Pre-tax net operating income | $15,189,000 | 420 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $5,663,000 | 383 |
| Income before extraordinary items | $9,526,000 | 460 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $9,526,000 | 459 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 7,675 |
| Cash dividends | $8,887,000 | 248 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 869 |
| Net operating income | $9,526,000 | 448 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $13,043,000 | 710 |
| Total interest expense | $2,755,000 | 1,341 |
| Net interest income | $10,288,000 | 565 |
| Provision for loan and lease losses | $-513,000 | 8,746 |
| Total noninterest income | $1,991,000 | 744 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $874,000 | 471 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,117,000 | 738 |
| Total noninterest expense | $5,223,000 | 855 |
| Salaries and employee benefits | $2,121,000 | 1,168 |
| Premises and equipment expense | $506,000 | 1,285 |
| Additional noninterest expense | $2,596,000 | 540 |
| Pre-tax net operating income | $7,569,000 | 411 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $2,821,000 | 376 |
| Income before extraordinary items | $4,748,000 | 457 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $4,748,000 | 456 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-21,000 | 8,173 |
| Cash dividends | $4,598,000 | 228 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $4,748,000 | 445 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $52,168,000 | 629 |
| Total interest expense | $7,976,000 | 1,424 |
| Net interest income | $44,192,000 | 507 |
| Provision for loan and lease losses | $-1,750,000 | 8,793 |
| Total noninterest income | $8,561,000 | 694 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $4,077,000 | 416 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $4,484,000 | 726 |
| Total noninterest expense | $18,593,000 | 916 |
| Salaries and employee benefits | $9,533,000 | 958 |
| Premises and equipment expense | $2,142,000 | 1,139 |
| Additional noninterest expense | $6,918,000 | 761 |
| Pre-tax net operating income | $35,910,000 | 347 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $13,578,000 | 324 |
| Income before extraordinary items | $22,332,000 | 393 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $22,332,000 | 393 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 3,973 |
| Cash dividends | $21,730,000 | 225 |
| Sale, conversion, retirement of capital stock, net | $33,000 | 836 |
| Net operating income | $22,332,000 | 382 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $38,743,000 | 626 |
| Total interest expense | $5,603,000 | 1,436 |
| Net interest income | $33,140,000 | 494 |
| Provision for loan and lease losses | $-1,750,000 | 8,821 |
| Total noninterest income | $6,388,000 | 703 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $3,097,000 | 410 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $3,291,000 | 751 |
| Total noninterest expense | $14,126,000 | 890 |
| Salaries and employee benefits | $7,300,000 | 924 |
| Premises and equipment expense | $1,564,000 | 1,162 |
| Additional noninterest expense | $5,262,000 | 744 |
| Pre-tax net operating income | $27,152,000 | 344 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $10,288,000 | 323 |
| Income before extraordinary items | $16,864,000 | 385 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $16,864,000 | 386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 2,609 |
| Cash dividends | $16,491,000 | 212 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $16,864,000 | 376 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $25,474,000 | 614 |
| Total interest expense | $3,475,000 | 1,442 |
| Net interest income | $21,999,000 | 491 |
| Provision for loan and lease losses | $-1,050,000 | 8,822 |
| Total noninterest income | $4,190,000 | 705 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $2,075,000 | 400 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $2,115,000 | 780 |
| Total noninterest expense | $9,295,000 | 895 |
| Salaries and employee benefits | $4,809,000 | 932 |
| Premises and equipment expense | $1,020,000 | 1,178 |
| Additional noninterest expense | $3,466,000 | 751 |
| Pre-tax net operating income | $17,944,000 | 347 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $6,829,000 | 326 |
| Income before extraordinary items | $11,115,000 | 386 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $11,115,000 | 386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $120,000 | 1,708 |
| Cash dividends | $7,333,000 | 254 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $11,115,000 | 377 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $12,375,000 | 612 |
| Total interest expense | $1,619,000 | 1,479 |
| Net interest income | $10,756,000 | 494 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $2,037,000 | 703 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $1,029,000 | 391 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,008,000 | 782 |
| Total noninterest expense | $4,500,000 | 928 |
| Salaries and employee benefits | $2,422,000 | 920 |
| Premises and equipment expense | $468,000 | 1,284 |
| Additional noninterest expense | $1,610,000 | 787 |
| Pre-tax net operating income | $8,293,000 | 366 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $3,145,000 | 338 |
| Income before extraordinary items | $5,148,000 | 390 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $5,148,000 | 390 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 2,093 |
| Cash dividends | $3,570,000 | 228 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $5,148,000 | 385 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $47,141,000 | 606 |
| Total interest expense | $5,154,000 | 1,600 |
| Net interest income | $41,987,000 | 490 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $8,495,000 | 686 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $4,241,000 | 409 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $4,254,000 | 752 |
| Total noninterest expense | $19,718,000 | 817 |
| Salaries and employee benefits | $10,615,000 | 804 |
| Premises and equipment expense | $1,949,000 | 1,176 |
| Additional noninterest expense | $7,154,000 | 725 |
| Pre-tax net operating income | $30,764,000 | 367 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $11,319,000 | 341 |
| Income before extraordinary items | $19,445,000 | 399 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $19,445,000 | 401 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $115,000 | 3,429 |
| Cash dividends | $12,153,000 | 313 |
| Sale, conversion, retirement of capital stock, net | $40,000 | 749 |
| Net operating income | $19,445,000 | 385 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $35,179,000 | 607 |
| Total interest expense | $3,736,000 | 1,612 |
| Net interest income | $31,443,000 | 489 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $6,251,000 | 707 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $3,098,000 | 435 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $3,153,000 | 765 |
| Total noninterest expense | $14,629,000 | 829 |
| Salaries and employee benefits | $8,170,000 | 786 |
| Premises and equipment expense | $1,471,000 | 1,176 |
| Additional noninterest expense | $4,988,000 | 759 |
| Pre-tax net operating income | $23,065,000 | 364 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $8,516,000 | 338 |
| Income before extraordinary items | $14,549,000 | 400 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $14,549,000 | 401 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 3,193 |
| Cash dividends | $8,631,000 | 310 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $14,549,000 | 384 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $7,133,000 | 1,959 |
| Total interest expense | $551,000 | 5,374 |
| Net interest income | $6,582,000 | 1,510 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $1,647,000 | 1,491 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $807,000 | 1,096 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $840,000 | 1,498 |
| Total noninterest expense | $3,235,000 | 2,462 |
| Salaries and employee benefits | $1,727,000 | 2,493 |
| Premises and equipment expense | $391,000 | 2,835 |
| Additional noninterest expense | $1,117,000 | 2,159 |
| Pre-tax net operating income | $4,994,000 | 874 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $1,815,000 | 779 |
| Income before extraordinary items | $3,179,000 | 1,038 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,179,000 | 1,039 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,514 |
| Cash dividends | $2,883,000 | 520 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $3,179,000 | 996 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,594,000 | 1,950 |
| Total interest expense | $282,000 | 5,358 |
| Net interest income | $3,312,000 | 1,504 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $790,000 | 1,516 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $398,000 | 1,073 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $392,000 | 1,555 |
| Total noninterest expense | $1,654,000 | 2,415 |
| Salaries and employee benefits | $919,000 | 2,361 |
| Premises and equipment expense | $199,000 | 2,824 |
| Additional noninterest expense | $536,000 | 2,221 |
| Pre-tax net operating income | $2,448,000 | 880 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $892,000 | 810 |
| Income before extraordinary items | $1,556,000 | 1,060 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,556,000 | 1,060 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,591 |
| Cash dividends | $1,276,000 | 536 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,556,000 | 998 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $15,019,000 | 1,879 |
| Total interest expense | $1,400,000 | 5,090 |
| Net interest income | $13,619,000 | 1,426 |
| Provision for loan and lease losses | $96,000 | 5,391 |
| Total noninterest income | $2,913,000 | 1,727 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,525,000 | 1,133 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,388,000 | 1,922 |
| Total noninterest expense | $6,439,000 | 2,441 |
| Salaries and employee benefits | $3,368,000 | 2,497 |
| Premises and equipment expense | $841,000 | 2,633 |
| Additional noninterest expense | $2,230,000 | 2,161 |
| Pre-tax net operating income | $9,997,000 | 859 |
| Securities gains (losses) | $16,000 | 3,357 |
| Applicable income taxes | $3,598,000 | 802 |
| Income before extraordinary items | $6,415,000 | 1,005 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $6,415,000 | 1,007 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $160,000 | 3,241 |
| Cash dividends | $6,736,000 | 496 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $6,404,760 | 944 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $11,282,000 | 1,922 |
| Total interest expense | $1,112,000 | 5,043 |
| Net interest income | $10,170,000 | 1,446 |
| Provision for loan and lease losses | $281,000 | 2,633 |
| Total noninterest income | $2,180,000 | 1,775 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,110,000 | 1,181 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,070,000 | 1,957 |
| Total noninterest expense | $4,960,000 | 2,374 |
| Salaries and employee benefits | $2,658,000 | 2,386 |
| Premises and equipment expense | $634,000 | 2,633 |
| Additional noninterest expense | $1,668,000 | 2,152 |
| Pre-tax net operating income | $7,109,000 | 929 |
| Securities gains (losses) | $16,000 | 3,083 |
| Applicable income taxes | $2,562,000 | 881 |
| Income before extraordinary items | $4,563,000 | 1,100 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $4,563,000 | 1,100 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $148,000 | 2,624 |
| Cash dividends | $5,642,000 | 445 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $4,552,760 | 1,031 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $7,495,000 | 1,940 |
| Total interest expense | $803,000 | 4,918 |
| Net interest income | $6,692,000 | 1,463 |
| Provision for loan and lease losses | $183,000 | 2,661 |
| Total noninterest income | $1,404,000 | 1,816 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $723,000 | 1,187 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $681,000 | 2,010 |
| Total noninterest expense | $3,322,000 | 2,364 |
| Salaries and employee benefits | $1,757,000 | 2,400 |
| Premises and equipment expense | $433,000 | 2,570 |
| Additional noninterest expense | $1,132,000 | 2,112 |
| Pre-tax net operating income | $4,591,000 | 952 |
| Securities gains (losses) | $16,000 | 2,719 |
| Applicable income taxes | $1,626,000 | 927 |
| Income before extraordinary items | $2,981,000 | 1,136 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,981,000 | 1,136 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $117,000 | 2,283 |
| Cash dividends | $2,214,000 | 675 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,970,600 | 1,049 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,696,000 | 1,977 |
| Total interest expense | $422,000 | 4,876 |
| Net interest income | $3,274,000 | 1,482 |
| Provision for loan and lease losses | $86,000 | 2,651 |
| Total noninterest income | $671,000 | 1,844 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $355,000 | 1,167 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $316,000 | 2,039 |
| Total noninterest expense | $1,645,000 | 2,363 |
| Salaries and employee benefits | $882,000 | 2,387 |
| Premises and equipment expense | $220,000 | 2,543 |
| Additional noninterest expense | $543,000 | 2,162 |
| Pre-tax net operating income | $2,214,000 | 997 |
| Securities gains (losses) | $16,000 | 2,005 |
| Applicable income taxes | $778,000 | 976 |
| Income before extraordinary items | $1,452,000 | 1,146 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,452,000 | 1,145 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 3,852 |
| Cash dividends | $1,170,000 | 609 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,441,600 | 1,067 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $15,251,000 | 2,014 |
| Total interest expense | $2,345,000 | 4,302 |
| Net interest income | $12,906,000 | 1,504 |
| Provision for loan and lease losses | $300,000 | 3,409 |
| Total noninterest income | $2,915,000 | 1,598 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,510,000 | 1,066 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,405,000 | 1,734 |
| Total noninterest expense | $6,190,000 | 2,390 |
| Salaries and employee benefits | $3,194,000 | 2,478 |
| Premises and equipment expense | $869,000 | 2,488 |
| Additional noninterest expense | $2,127,000 | 2,184 |
| Pre-tax net operating income | $9,331,000 | 920 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $3,282,000 | 862 |
| Income before extraordinary items | $6,049,000 | 1,036 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $6,049,000 | 1,037 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 4,100 |
| Cash dividends | $4,170,000 | 718 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $6,049,000 | 992 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $15,748,000 | 2,189 |
| Total interest expense | $4,345,000 | 3,565 |
| Net interest income | $11,403,000 | 1,558 |
| Provision for loan and lease losses | $202,000 | 4,102 |
| Total noninterest income | $2,694,000 | 1,601 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,262,000 | 1,175 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,432,000 | 1,587 |
| Total noninterest expense | $5,745,000 | 2,469 |
| Salaries and employee benefits | $2,915,000 | 2,575 |
| Premises and equipment expense | $802,000 | 2,625 |
| Additional noninterest expense | $2,028,000 | 2,214 |
| Pre-tax net operating income | $8,150,000 | 924 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $2,832,000 | 879 |
| Income before extraordinary items | $5,318,000 | 1,032 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $5,318,000 | 1,033 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $162,000 | 3,258 |
| Cash dividends | $3,664,000 | 776 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $5,318,000 | 991 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $14,961,000 | 2,338 |
| Total interest expense | $4,017,000 | 3,966 |
| Net interest income | $10,944,000 | 1,598 |
| Provision for loan and lease losses | $120,000 | 4,828 |
| Total noninterest income | $2,631,000 | 1,516 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,389,000 | 970 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,242,000 | 1,615 |
| Total noninterest expense | $5,415,000 | 2,520 |
| Salaries and employee benefits | $2,693,000 | 2,640 |
| Premises and equipment expense | $763,000 | 2,687 |
| Additional noninterest expense | $1,959,000 | 2,211 |
| Pre-tax net operating income | $8,040,000 | 961 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $2,764,000 | 882 |
| Income before extraordinary items | $5,276,000 | 1,015 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $5,276,000 | 1,015 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,242 |
| Cash dividends | $3,723,000 | 803 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $5,276,000 | 1,013 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $14,178,000 | 2,298 |
| Total interest expense | $3,691,000 | 3,847 |
| Net interest income | $10,487,000 | 1,666 |
| Provision for loan and lease losses | $60,000 | 6,124 |
| Total noninterest income | $2,388,000 | 1,626 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,273,000 | 1,047 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,115,000 | 1,736 |
| Total noninterest expense | $5,444,000 | 2,490 |
| Salaries and employee benefits | $2,729,000 | 2,580 |
| Premises and equipment expense | $736,000 | 2,749 |
| Additional noninterest expense | $1,979,000 | 2,210 |
| Pre-tax net operating income | $7,371,000 | 1,056 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $2,524,000 | 1,005 |
| Income before extraordinary items | $4,847,000 | 1,129 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,847,000 | 1,129 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,307 |
| Cash dividends | $3,340,000 | 891 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $4,847,000 | 1,111 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $13,906,000 | 2,342 |
| Total interest expense | $4,051,000 | 3,646 |
| Net interest income | $9,855,000 | 1,737 |
| Provision for loan and lease losses | $328,000 | 2,420 |
| Total noninterest income | $1,879,000 | 1,923 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,005,000 | 1,246 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $874,000 | 2,039 |
| Total noninterest expense | $4,792,000 | 2,723 |
| Salaries and employee benefits | $2,541,000 | 2,660 |
| Premises and equipment expense | $607,000 | 3,130 |
| Additional noninterest expense | $1,644,000 | 2,544 |
| Pre-tax net operating income | $6,614,000 | 1,132 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $2,290,000 | 1,097 |
| Income before extraordinary items | $4,324,000 | 1,231 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $4,324,000 | 1,230 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $171,000 | 2,703 |
| Cash dividends | $2,962,000 | 1,001 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $4,324,000 | 1,193 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $13,479,000 | 2,424 |
| Total interest expense | $4,121,000 | 3,564 |
| Net interest income | $9,358,000 | 1,864 |
| Provision for loan and lease losses | $453,000 | 1,921 |
| Total noninterest income | $1,646,000 | 2,057 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $844,000 | 1,540 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $802,000 | 2,024 |
| Total noninterest expense | $4,662,000 | 2,739 |
| Salaries and employee benefits | $2,588,000 | 2,559 |
| Premises and equipment expense | $635,000 | 2,999 |
| Additional noninterest expense | $1,439,000 | 2,837 |
| Pre-tax net operating income | $5,889,000 | 1,318 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $2,043,000 | 1,298 |
| Income before extraordinary items | $3,846,000 | 1,418 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,846,000 | 1,419 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $147,000 | 3,059 |
| Cash dividends | $2,655,000 | 1,040 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $3,846,000 | 1,385 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $12,216,000 | 2,720 |
| Total interest expense | $3,694,000 | 3,982 |
| Net interest income | $8,522,000 | 2,098 |
| Provision for loan and lease losses | $426,000 | 1,984 |
| Total noninterest income | $1,456,000 | 2,349 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $981,000 | 1,372 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $475,000 | 3,036 |
| Total noninterest expense | $4,466,000 | 3,036 |
| Salaries and employee benefits | $2,533,000 | 2,651 |
| Premises and equipment expense | $567,000 | 3,384 |
| Additional noninterest expense | $1,366,000 | 3,386 |
| Pre-tax net operating income | $5,086,000 | 1,417 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $1,795,000 | 1,354 |
| Income before extraordinary items | $3,291,000 | 1,504 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $3,291,000 | 1,506 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $185,000 | 2,808 |
| Cash dividends | $2,348,000 | 1,153 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $3,291,000 | 1,472 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $11,154,000 | 2,975 |
| Total interest expense | $3,721,000 | 3,939 |
| Net interest income | $7,433,000 | 2,423 |
| Provision for loan and lease losses | $150,000 | 3,621 |
| Total noninterest income | $1,341,000 | 2,483 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $976,000 | 1,401 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $365,000 | 3,507 |
| Total noninterest expense | $4,122,000 | 3,229 |
| Salaries and employee benefits | $2,174,000 | 3,064 |
| Premises and equipment expense | $550,000 | 3,467 |
| Additional noninterest expense | $1,398,000 | 3,268 |
| Pre-tax net operating income | $4,502,000 | 1,638 |
| Securities gains (losses) | $-37,000 | 10,982 |
| Applicable income taxes | $1,585,000 | 1,571 |
| Income before extraordinary items | $2,880,000 | 1,754 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,880,000 | 1,753 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 4,321 |
| Cash dividends | $1,337,000 | 1,637 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,904,050 | 1,711 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $10,152,000 | 3,001 |
| Total interest expense | $2,882,000 | 4,103 |
| Net interest income | $7,270,000 | 2,484 |
| Provision for loan and lease losses | $90,000 | 4,765 |
| Total noninterest income | $1,277,000 | 2,612 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $937,000 | 1,444 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $340,000 | 3,784 |
| Total noninterest expense | $4,135,000 | 3,321 |
| Salaries and employee benefits | $2,161,000 | 3,062 |
| Premises and equipment expense | $533,000 | 3,595 |
| Additional noninterest expense | $1,441,000 | 3,437 |
| Pre-tax net operating income | $4,322,000 | 1,663 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $1,584,000 | 1,480 |
| Income before extraordinary items | $2,738,000 | 1,780 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,738,000 | 1,779 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 5,198 |
| Cash dividends | $1,084,000 | 1,777 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,738,000 | 1,790 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $9,985,000 | 3,088 |
| Total interest expense | $2,996,000 | 4,119 |
| Net interest income | $6,989,000 | 2,578 |
| Provision for loan and lease losses | $120,000 | 5,200 |
| Total noninterest income | $1,144,000 | 3,023 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $926,000 | 1,455 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $218,000 | 5,407 |
| Total noninterest expense | $3,883,000 | 3,580 |
| Salaries and employee benefits | $2,076,000 | 3,159 |
| Premises and equipment expense | $503,000 | 3,846 |
| Additional noninterest expense | $1,304,000 | 3,923 |
| Pre-tax net operating income | $4,130,000 | 1,676 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $1,598,000 | 1,491 |
| Income before extraordinary items | $2,532,000 | 1,971 |
| Extraordinary gains, net | $-32,000 | 12,575 |
| Net income | $2,500,000 | 2,084 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $168,000 | 3,470 |
| Cash dividends | $1,017,000 | 1,712 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,532,000 | 1,858 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $10,361,000 | 3,374 |
| Total interest expense | $3,758,000 | 4,290 |
| Net interest income | $6,603,000 | 2,776 |
| Provision for loan and lease losses | $273,000 | 4,374 |
| Total noninterest income | $992,000 | 3,342 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $645,000 | 2,107 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $347,000 | 4,061 |
| Total noninterest expense | $3,677,000 | 3,762 |
| Salaries and employee benefits | $1,890,000 | 3,379 |
| Premises and equipment expense | $494,000 | 4,018 |
| Additional noninterest expense | $1,293,000 | 4,061 |
| Pre-tax net operating income | $3,645,000 | 1,693 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $1,382,000 | 1,553 |
| Income before extraordinary items | $2,263,000 | 2,028 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,263,000 | 2,057 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 7,125 |
| Cash dividends | $889,000 | 1,727 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,263,000 | 1,859 |
* 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.