Home > Merchants and Farmers Bank > Income and Expense
Merchants and Farmers Bank, Income and Expense
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,378,000 | 4,928 |
| Total interest expense | $1,504,000 | 5,219 |
| Net interest income | $3,874,000 | 4,719 |
| Provision for loan and lease losses | $188,000 | 3,693 |
| Total noninterest income | $699,000 | 4,381 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $608,000 | 2,641 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $91,000 | 6,549 |
| Total noninterest expense | $2,631,000 | 5,201 |
| Salaries and employee benefits | $1,109,000 | 6,030 |
| Premises and equipment expense | $232,000 | 6,395 |
| Additional noninterest expense | $1,290,000 | 3,644 |
| Pre-tax net operating income | $1,754,000 | 4,015 |
| Securities gains (losses) | $-4,000 | 7,217 |
| Applicable income taxes | $579,000 | 3,135 |
| Income before extraordinary items | $1,171,000 | 4,411 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,171,000 | 4,412 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 3,670 |
| Cash dividends | $1,100,000 | 2,279 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,173,680 | 4,367 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,908,000 | 4,997 |
| Total interest expense | $1,063,000 | 5,272 |
| Net interest income | $2,845,000 | 4,793 |
| Provision for loan and lease losses | $198,000 | 2,988 |
| Total noninterest income | $528,000 | 4,390 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $450,000 | 2,653 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $78,000 | 6,360 |
| Total noninterest expense | $1,985,000 | 5,165 |
| Salaries and employee benefits | $839,000 | 5,960 |
| Premises and equipment expense | $163,000 | 6,518 |
| Additional noninterest expense | $983,000 | 3,547 |
| Pre-tax net operating income | $1,190,000 | 4,319 |
| Securities gains (losses) | $17,000 | 1,289 |
| Applicable income taxes | $381,000 | 3,408 |
| Income before extraordinary items | $826,000 | 4,668 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $826,000 | 4,670 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 3,302 |
| Cash dividends | $1,100,000 | 1,667 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $814,440 | 4,674 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,490,000 | 5,073 |
| Total interest expense | $657,000 | 5,326 |
| Net interest income | $1,833,000 | 4,888 |
| Provision for loan and lease losses | $178,000 | 2,385 |
| Total noninterest income | $340,000 | 4,443 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $285,000 | 2,716 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $55,000 | 6,254 |
| Total noninterest expense | $1,271,000 | 5,279 |
| Salaries and employee benefits | $522,000 | 6,202 |
| Premises and equipment expense | $102,000 | 6,659 |
| Additional noninterest expense | $647,000 | 3,577 |
| Pre-tax net operating income | $724,000 | 4,531 |
| Securities gains (losses) | $17,000 | 1,160 |
| Applicable income taxes | $232,000 | 3,535 |
| Income before extraordinary items | $509,000 | 4,849 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $509,000 | 4,851 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 4,010 |
| Cash dividends | $1,100,000 | 1,190 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $497,270 | 4,855 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,179,000 | 5,235 |
| Total interest expense | $311,000 | 5,377 |
| Net interest income | $868,000 | 5,070 |
| Provision for loan and lease losses | $13,000 | 5,229 |
| Total noninterest income | $162,000 | 4,514 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $130,000 | 2,849 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $32,000 | 6,055 |
| Total noninterest expense | $577,000 | 5,637 |
| Salaries and employee benefits | $210,000 | 6,858 |
| Premises and equipment expense | $48,000 | 6,855 |
| Additional noninterest expense | $319,000 | 3,619 |
| Pre-tax net operating income | $440,000 | 4,025 |
| Securities gains (losses) | $17,000 | 846 |
| Applicable income taxes | $146,000 | 3,148 |
| Income before extraordinary items | $311,000 | 4,265 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $311,000 | 4,267 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 3,394 |
| Cash dividends | $1,100,000 | 593 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $299,440 | 4,344 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,473,000 | 5,198 |
| Total interest expense | $1,203,000 | 5,106 |
| Net interest income | $3,270,000 | 5,136 |
| Provision for loan and lease losses | $-87,000 | 8,778 |
| Total noninterest income | $716,000 | 4,330 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $639,000 | 2,569 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $77,000 | 6,829 |
| Total noninterest expense | $2,444,000 | 5,383 |
| Salaries and employee benefits | $886,000 | 6,653 |
| Premises and equipment expense | $227,000 | 6,430 |
| Additional noninterest expense | $1,331,000 | 3,455 |
| Pre-tax net operating income | $1,629,000 | 4,043 |
| Securities gains (losses) | $60,000 | 1,599 |
| Applicable income taxes | $551,000 | 3,171 |
| Income before extraordinary items | $1,138,000 | 4,344 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,138,000 | 4,345 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $219,000 | 2,445 |
| Cash dividends | $1,145,000 | 2,109 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,097,800 | 4,379 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,298,000 | 5,240 |
| Total interest expense | $886,000 | 5,130 |
| Net interest income | $2,412,000 | 5,180 |
| Provision for loan and lease losses | $-85,000 | 8,863 |
| Total noninterest income | $542,000 | 4,327 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $482,000 | 2,584 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $60,000 | 6,801 |
| Total noninterest expense | $1,816,000 | 5,384 |
| Salaries and employee benefits | $651,000 | 6,688 |
| Premises and equipment expense | $166,000 | 6,493 |
| Additional noninterest expense | $999,000 | 3,437 |
| Pre-tax net operating income | $1,223,000 | 4,114 |
| Securities gains (losses) | $58,000 | 1,547 |
| Applicable income taxes | $405,000 | 3,278 |
| Income before extraordinary items | $876,000 | 4,353 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $876,000 | 4,354 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $217,000 | 1,797 |
| Cash dividends | $1,145,000 | 1,557 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $836,560 | 4,413 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,184,000 | 5,270 |
| Total interest expense | $592,000 | 5,136 |
| Net interest income | $1,592,000 | 5,217 |
| Provision for loan and lease losses | $32,000 | 5,260 |
| Total noninterest income | $363,000 | 4,340 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $318,000 | 2,586 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $45,000 | 6,633 |
| Total noninterest expense | $1,181,000 | 5,490 |
| Salaries and employee benefits | $413,000 | 6,864 |
| Premises and equipment expense | $107,000 | 6,627 |
| Additional noninterest expense | $661,000 | 3,453 |
| Pre-tax net operating income | $742,000 | 4,308 |
| Securities gains (losses) | $58,000 | 1,362 |
| Applicable income taxes | $252,000 | 3,379 |
| Income before extraordinary items | $548,000 | 4,493 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $548,000 | 4,494 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $216,000 | 1,302 |
| Cash dividends | $1,145,000 | 1,127 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $508,560 | 4,606 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,096,000 | 5,281 |
| Total interest expense | $301,000 | 5,153 |
| Net interest income | $795,000 | 5,232 |
| Provision for loan and lease losses | $-49,000 | 9,001 |
| Total noninterest income | $187,000 | 4,209 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $152,000 | 2,644 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $35,000 | 5,821 |
| Total noninterest expense | $585,000 | 5,530 |
| Salaries and employee benefits | $202,000 | 6,950 |
| Premises and equipment expense | $50,000 | 6,793 |
| Additional noninterest expense | $333,000 | 3,437 |
| Pre-tax net operating income | $446,000 | 3,805 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $140,000 | 3,209 |
| Income before extraordinary items | $306,000 | 4,219 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $306,000 | 4,218 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 1,730 |
| Cash dividends | $1,145,000 | 594 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $306,000 | 4,096 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,635,000 | 5,150 |
| Total interest expense | $1,368,000 | 5,165 |
| Net interest income | $3,267,000 | 5,029 |
| Provision for loan and lease losses | $15,000 | 7,196 |
| Total noninterest income | $708,000 | 4,531 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $592,000 | 2,718 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $116,000 | 6,281 |
| Total noninterest expense | $2,288,000 | 5,551 |
| Salaries and employee benefits | $768,000 | 7,041 |
| Premises and equipment expense | $233,000 | 6,395 |
| Additional noninterest expense | $1,287,000 | 3,523 |
| Pre-tax net operating income | $1,672,000 | 3,827 |
| Securities gains (losses) | $-2,000 | 8,601 |
| Applicable income taxes | $535,000 | 3,266 |
| Income before extraordinary items | $1,135,000 | 4,279 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,135,000 | 4,280 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 4,437 |
| Cash dividends | $1,320,000 | 1,917 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,136,360 | 4,113 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,516,000 | 5,170 |
| Total interest expense | $1,049,000 | 5,236 |
| Net interest income | $2,467,000 | 5,019 |
| Provision for loan and lease losses | $52,000 | 5,729 |
| Total noninterest income | $524,000 | 4,619 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $431,000 | 2,798 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $93,000 | 6,209 |
| Total noninterest expense | $1,679,000 | 5,583 |
| Salaries and employee benefits | $547,000 | 7,142 |
| Premises and equipment expense | $181,000 | 6,279 |
| Additional noninterest expense | $951,000 | 3,542 |
| Pre-tax net operating income | $1,260,000 | 3,941 |
| Securities gains (losses) | $-4,000 | 8,850 |
| Applicable income taxes | $409,000 | 3,372 |
| Income before extraordinary items | $847,000 | 4,454 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $847,000 | 4,454 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 3,803 |
| Cash dividends | $1,320,000 | 1,416 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $849,680 | 4,274 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,271,000 | 5,314 |
| Total interest expense | $719,000 | 5,254 |
| Net interest income | $1,552,000 | 5,232 |
| Provision for loan and lease losses | $68,000 | 4,566 |
| Total noninterest income | $354,000 | 4,555 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $273,000 | 2,862 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $81,000 | 5,693 |
| Total noninterest expense | $1,103,000 | 5,644 |
| Salaries and employee benefits | $364,000 | 7,183 |
| Premises and equipment expense | $122,000 | 6,222 |
| Additional noninterest expense | $617,000 | 3,630 |
| Pre-tax net operating income | $735,000 | 4,300 |
| Securities gains (losses) | $-4,000 | 8,976 |
| Applicable income taxes | $238,000 | 3,644 |
| Income before extraordinary items | $493,000 | 4,841 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $493,000 | 4,840 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 3,150 |
| Cash dividends | $1,320,000 | 1,032 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $495,680 | 4,614 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,150,000 | 5,289 |
| Total interest expense | $370,000 | 5,271 |
| Net interest income | $780,000 | 5,191 |
| Provision for loan and lease losses | $4,000 | 6,606 |
| Total noninterest income | $182,000 | 4,388 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $132,000 | 2,861 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $50,000 | 5,268 |
| Total noninterest expense | $562,000 | 5,559 |
| Salaries and employee benefits | $205,000 | 6,905 |
| Premises and equipment expense | $55,000 | 6,522 |
| Additional noninterest expense | $302,000 | 3,641 |
| Pre-tax net operating income | $396,000 | 4,057 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $129,000 | 3,503 |
| Income before extraordinary items | $267,000 | 4,553 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $267,000 | 4,553 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 1,835 |
| Cash dividends | $1,320,000 | 537 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $267,000 | 4,343 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,476,000 | 4,857 |
| Total interest expense | $1,893,000 | 4,991 |
| Net interest income | $3,583,000 | 4,691 |
| Provision for loan and lease losses | $30,000 | 7,191 |
| Total noninterest income | $765,000 | 4,110 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $635,000 | 2,464 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $130,000 | 5,899 |
| Total noninterest expense | $2,700,000 | 4,816 |
| Salaries and employee benefits | $1,135,000 | 5,690 |
| Premises and equipment expense | $276,000 | 5,815 |
| Additional noninterest expense | $1,289,000 | 3,408 |
| Pre-tax net operating income | $1,618,000 | 3,909 |
| Securities gains (losses) | $103,000 | 1,722 |
| Applicable income taxes | $576,000 | 3,186 |
| Income before extraordinary items | $1,145,000 | 4,209 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,145,000 | 4,210 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $854,000 | 1,108 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,075,990 | 4,283 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,763,000 | 6,534 |
| Total interest expense | $1,739,000 | 6,524 |
| Net interest income | $2,024,000 | 6,396 |
| Provision for loan and lease losses | $60,000 | 6,353 |
| Total noninterest income | $415,000 | 5,585 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $291,000 | 4,233 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $124,000 | 5,927 |
| Total noninterest expense | $1,648,000 | 6,455 |
| Salaries and employee benefits | $679,000 | 7,288 |
| Premises and equipment expense | $193,000 | 6,884 |
| Additional noninterest expense | $776,000 | 4,887 |
| Pre-tax net operating income | $731,000 | 5,711 |
| Securities gains (losses) | $117,000 | 1,622 |
| Applicable income taxes | $229,000 | 4,759 |
| Income before extraordinary items | $619,000 | 5,532 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $619,000 | 5,536 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 4,500 |
| Cash dividends | $969,000 | 2,322 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $533,590 | 5,795 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,086,000 | 6,421 |
| Total interest expense | $1,797,000 | 6,597 |
| Net interest income | $2,289,000 | 6,131 |
| Provision for loan and lease losses | $140,000 | 4,540 |
| Total noninterest income | $332,000 | 6,042 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $280,000 | 4,245 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $52,000 | 7,733 |
| Total noninterest expense | $1,594,000 | 6,500 |
| Salaries and employee benefits | $695,000 | 7,230 |
| Premises and equipment expense | $201,000 | 6,755 |
| Additional noninterest expense | $698,000 | 5,188 |
| Pre-tax net operating income | $887,000 | 5,590 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $222,000 | 5,208 |
| Income before extraordinary items | $665,000 | 5,552 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $665,000 | 5,551 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 4,010 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $665,000 | 5,561 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,735,000 | 6,574 |
| Total interest expense | $1,676,000 | 6,584 |
| Net interest income | $2,059,000 | 6,536 |
| Provision for loan and lease losses | $243,000 | 3,106 |
| Total noninterest income | $337,000 | 6,119 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $292,000 | 4,065 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $45,000 | 8,226 |
| Total noninterest expense | $1,569,000 | 6,601 |
| Salaries and employee benefits | $713,000 | 7,170 |
| Premises and equipment expense | $209,000 | 6,663 |
| Additional noninterest expense | $647,000 | 5,535 |
| Pre-tax net operating income | $584,000 | 6,771 |
| Securities gains (losses) | $-8,000 | 9,241 |
| Applicable income taxes | $124,000 | 6,601 |
| Income before extraordinary items | $452,000 | 6,685 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $452,000 | 6,682 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $181,000 | 2,549 |
| Cash dividends | $352,000 | 4,189 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $458,240 | 6,629 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,690,000 | 6,759 |
| Total interest expense | $1,757,000 | 6,646 |
| Net interest income | $1,933,000 | 6,795 |
| Provision for loan and lease losses | $182,000 | 3,709 |
| Total noninterest income | $390,000 | 5,708 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $291,000 | 4,016 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $99,000 | 6,659 |
| Total noninterest expense | $1,607,000 | 6,419 |
| Salaries and employee benefits | $768,000 | 6,826 |
| Premises and equipment expense | $211,000 | 6,550 |
| Additional noninterest expense | $628,000 | 5,570 |
| Pre-tax net operating income | $534,000 | 7,207 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $104,000 | 7,470 |
| Income before extraordinary items | $430,000 | 7,039 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $430,000 | 7,036 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 3,752 |
| Cash dividends | $641,000 | 3,009 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $430,000 | 6,939 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,606,000 | 7,058 |
| Total interest expense | $1,748,000 | 6,786 |
| Net interest income | $1,858,000 | 7,199 |
| Provision for loan and lease losses | $81,000 | 5,633 |
| Total noninterest income | $322,000 | 6,427 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $285,000 | 4,238 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $37,000 | 8,993 |
| Total noninterest expense | $1,328,000 | 7,240 |
| Salaries and employee benefits | $773,000 | 6,912 |
| Premises and equipment expense | $231,000 | 6,330 |
| Additional noninterest expense | $324,000 | 8,086 |
| Pre-tax net operating income | $771,000 | 6,676 |
| Securities gains (losses) | $2,000 | 3,292 |
| Applicable income taxes | $187,000 | 7,077 |
| Income before extraordinary items | $586,000 | 6,445 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $586,000 | 6,448 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 7,272 |
| Cash dividends | $1,180,000 | 1,923 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $584,480 | 6,399 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,425,000 | 7,478 |
| Total interest expense | $1,658,000 | 7,197 |
| Net interest income | $1,767,000 | 7,626 |
| Provision for loan and lease losses | $42,000 | 6,906 |
| Total noninterest income | $354,000 | 6,390 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $301,000 | 4,214 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $53,000 | 8,764 |
| Total noninterest expense | $1,218,000 | 7,938 |
| Salaries and employee benefits | $678,000 | 7,659 |
| Premises and equipment expense | $232,000 | 6,504 |
| Additional noninterest expense | $308,000 | 8,792 |
| Pre-tax net operating income | $861,000 | 6,241 |
| Securities gains (losses) | $9,000 | 2,573 |
| Applicable income taxes | $203,000 | 7,091 |
| Income before extraordinary items | $667,000 | 5,905 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $667,000 | 5,907 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,970 |
| Cash dividends | $272,000 | 4,767 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $660,070 | 5,882 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,349,000 | 7,743 |
| Total interest expense | $1,592,000 | 7,443 |
| Net interest income | $1,757,000 | 7,878 |
| Provision for loan and lease losses | $58,000 | 5,942 |
| Total noninterest income | $253,000 | 7,668 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $214,000 | 5,453 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $39,000 | 9,762 |
| Total noninterest expense | $1,198,000 | 8,216 |
| Salaries and employee benefits | $660,000 | 7,989 |
| Premises and equipment expense | $206,000 | 7,074 |
| Additional noninterest expense | $332,000 | 8,893 |
| Pre-tax net operating income | $754,000 | 7,035 |
| Securities gains (losses) | $17,000 | 2,020 |
| Applicable income taxes | $205,000 | 7,326 |
| Income before extraordinary items | $566,000 | 6,807 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $566,000 | 6,806 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,680 |
| Cash dividends | $250,000 | 4,947 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $553,590 | 6,860 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,806,000 | 8,377 |
| Total interest expense | $1,190,000 | 7,947 |
| Net interest income | $1,616,000 | 8,541 |
| Provision for loan and lease losses | $17,000 | 7,997 |
| Total noninterest income | $220,000 | 8,385 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $185,000 | 6,166 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $35,000 | 10,473 |
| Total noninterest expense | $1,112,000 | 8,935 |
| Salaries and employee benefits | $554,000 | 8,928 |
| Premises and equipment expense | $225,000 | 6,963 |
| Additional noninterest expense | $333,000 | 9,569 |
| Pre-tax net operating income | $707,000 | 7,353 |
| Securities gains (losses) | $5,000 | 2,624 |
| Applicable income taxes | $182,000 | 7,671 |
| Income before extraordinary items | $530,000 | 7,074 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $530,000 | 7,085 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,696 |
| Cash dividends | $200,000 | 5,405 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $526,300 | 7,147 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,559,000 | 9,077 |
| Total interest expense | $1,112,000 | 8,627 |
| Net interest income | $1,447,000 | 9,283 |
| Provision for loan and lease losses | $49,000 | 7,550 |
| Total noninterest income | $241,000 | 8,512 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $167,000 | 6,671 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $74,000 | 8,889 |
| Total noninterest expense | $1,056,000 | 9,500 |
| Salaries and employee benefits | $518,000 | 9,481 |
| Premises and equipment expense | $221,000 | 7,269 |
| Additional noninterest expense | $317,000 | 10,230 |
| Pre-tax net operating income | $583,000 | 8,065 |
| Securities gains (losses) | $3,000 | 6,505 |
| Applicable income taxes | $157,000 | 8,476 |
| Income before extraordinary items | $429,000 | 8,146 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $429,000 | 8,308 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-42,000 | 12,568 |
| Cash dividends | $176,000 | 5,750 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $426,810 | 7,900 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,609,000 | 9,709 |
| Total interest expense | $1,307,000 | 9,205 |
| Net interest income | $1,302,000 | 9,976 |
| Provision for loan and lease losses | $57,000 | 8,768 |
| Total noninterest income | $210,000 | 9,222 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $173,000 | 6,539 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $37,000 | 11,257 |
| Total noninterest expense | $1,012,000 | 9,916 |
| Salaries and employee benefits | $525,000 | 9,537 |
| Premises and equipment expense | $175,000 | 8,439 |
| Additional noninterest expense | $312,000 | 10,666 |
| Pre-tax net operating income | $443,000 | 8,856 |
| Securities gains (losses) | $60,000 | 3,829 |
| Applicable income taxes | $128,000 | 9,159 |
| Income before extraordinary items | $375,000 | 8,465 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $375,000 | 8,591 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 7,255 |
| Cash dividends | $164,000 | 5,562 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $330,000 | 8,570 |
* 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.