Home > Merchants Bank > Income and Expense
Merchants Bank, Income and Expense
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $383,000 | 7,887 |
| Total interest expense | $173,000 | 7,669 |
| Net interest income | $210,000 | 7,933 |
| Provision for loan and lease losses | $1,000 | 6,027 |
| Total noninterest income | $98,000 | 5,467 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $20,000 | 6,236 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $78,000 | 4,253 |
| Total noninterest expense | $343,000 | 7,133 |
| Salaries and employee benefits | $179,000 | 7,201 |
| Premises and equipment expense | $72,000 | 5,981 |
| Additional noninterest expense | $92,000 | 7,201 |
| Pre-tax net operating income | $-36,000 | 7,352 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-18,000 | 7,890 |
| Income before extraordinary items | $-18,000 | 7,379 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-18,000 | 7,379 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,920 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-18,000 | 7,305 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $1,562,000 | 7,867 |
| Total interest expense | $858,000 | 7,398 |
| Net interest income | $704,000 | 8,085 |
| Provision for loan and lease losses | $7,000 | 6,674 |
| Total noninterest income | $216,000 | 6,641 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $84,000 | 6,243 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $132,000 | 5,788 |
| Total noninterest expense | $1,176,000 | 7,395 |
| Salaries and employee benefits | $561,000 | 7,640 |
| Premises and equipment expense | $273,000 | 6,002 |
| Additional noninterest expense | $342,000 | 7,338 |
| Pre-tax net operating income | $-263,000 | 7,690 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-114,000 | 8,035 |
| Income before extraordinary items | $-149,000 | 7,671 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-149,000 | 7,669 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 4,926 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-149,000 | 7,654 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,186,000 | 7,911 |
| Total interest expense | $656,000 | 7,397 |
| Net interest income | $530,000 | 8,134 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $152,000 | 6,759 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $62,000 | 6,296 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $90,000 | 5,978 |
| Total noninterest expense | $897,000 | 7,350 |
| Salaries and employee benefits | $445,000 | 7,537 |
| Premises and equipment expense | $212,000 | 5,931 |
| Additional noninterest expense | $240,000 | 7,438 |
| Pre-tax net operating income | $-215,000 | 7,900 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $-92,000 | 8,230 |
| Income before extraordinary items | $-123,000 | 7,875 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-123,000 | 7,871 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 3,931 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-123,000 | 7,859 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $782,000 | 7,970 |
| Total interest expense | $437,000 | 7,423 |
| Net interest income | $345,000 | 8,223 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $100,000 | 6,843 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $41,000 | 6,344 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $59,000 | 6,023 |
| Total noninterest expense | $609,000 | 7,362 |
| Salaries and employee benefits | $299,000 | 7,576 |
| Premises and equipment expense | $146,000 | 5,893 |
| Additional noninterest expense | $164,000 | 7,418 |
| Pre-tax net operating income | $-164,000 | 8,054 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-69,000 | 8,335 |
| Income before extraordinary items | $-95,000 | 7,991 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-95,000 | 7,990 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,113 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-95,000 | 7,982 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $388,000 | 8,020 |
| Total interest expense | $219,000 | 7,450 |
| Net interest income | $169,000 | 8,292 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $47,000 | 6,914 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $20,000 | 6,360 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $27,000 | 6,153 |
| Total noninterest expense | $308,000 | 7,375 |
| Salaries and employee benefits | $152,000 | 7,582 |
| Premises and equipment expense | $76,000 | 5,812 |
| Additional noninterest expense | $80,000 | 7,484 |
| Pre-tax net operating income | $-92,000 | 8,138 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $-39,000 | 8,383 |
| Income before extraordinary items | $-53,000 | 8,059 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-53,000 | 8,058 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,049 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-53,000 | 8,044 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,643,000 | 7,817 |
| Total interest expense | $936,000 | 7,066 |
| Net interest income | $707,000 | 8,197 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $276,000 | 6,337 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $97,000 | 6,193 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $179,000 | 5,316 |
| Total noninterest expense | $1,340,000 | 7,159 |
| Salaries and employee benefits | $730,000 | 7,175 |
| Premises and equipment expense | $270,000 | 6,010 |
| Additional noninterest expense | $340,000 | 7,363 |
| Pre-tax net operating income | $-357,000 | 8,202 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $-148,000 | 8,416 |
| Income before extraordinary items | $-209,000 | 8,156 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-209,000 | 8,158 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,843 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $-209,000 | 8,150 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,223,000 | 7,881 |
| Total interest expense | $694,000 | 7,075 |
| Net interest income | $529,000 | 8,281 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $195,000 | 6,503 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $75,000 | 6,229 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $120,000 | 5,522 |
| Total noninterest expense | $1,014,000 | 7,139 |
| Salaries and employee benefits | $563,000 | 7,106 |
| Premises and equipment expense | $202,000 | 6,046 |
| Additional noninterest expense | $249,000 | 7,423 |
| Pre-tax net operating income | $-290,000 | 8,344 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $-123,000 | 8,581 |
| Income before extraordinary items | $-167,000 | 8,298 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-167,000 | 8,299 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,187 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $-167,000 | 8,290 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $781,000 | 7,953 |
| Total interest expense | $424,000 | 7,189 |
| Net interest income | $357,000 | 8,322 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $135,000 | 6,431 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $48,000 | 6,300 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $87,000 | 5,421 |
| Total noninterest expense | $678,000 | 7,168 |
| Salaries and employee benefits | $375,000 | 7,138 |
| Premises and equipment expense | $134,000 | 6,061 |
| Additional noninterest expense | $169,000 | 7,407 |
| Pre-tax net operating income | $-186,000 | 8,397 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $-78,000 | 8,613 |
| Income before extraordinary items | $-108,000 | 8,352 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-108,000 | 8,352 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $-108,000 | 8,351 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $381,000 | 7,994 |
| Total interest expense | $202,000 | 7,211 |
| Net interest income | $179,000 | 8,347 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $66,000 | 6,440 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $29,000 | 5,974 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $37,000 | 5,687 |
| Total noninterest expense | $338,000 | 7,190 |
| Salaries and employee benefits | $187,000 | 7,168 |
| Premises and equipment expense | $67,000 | 6,079 |
| Additional noninterest expense | $84,000 | 7,422 |
| Pre-tax net operating income | $-93,000 | 8,432 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $-39,000 | 8,627 |
| Income before extraordinary items | $-54,000 | 8,390 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-54,000 | 8,389 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $-54,000 | 8,377 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,276,000 | 8,107 |
| Total interest expense | $531,000 | 7,525 |
| Net interest income | $745,000 | 8,291 |
| Provision for loan and lease losses | $12,000 | 6,720 |
| Total noninterest income | $243,000 | 6,728 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $87,000 | 6,464 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $156,000 | 5,658 |
| Total noninterest expense | $1,476,000 | 6,927 |
| Salaries and employee benefits | $818,000 | 6,869 |
| Premises and equipment expense | $271,000 | 5,995 |
| Additional noninterest expense | $387,000 | 7,145 |
| Pre-tax net operating income | $-500,000 | 8,502 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $-205,000 | 8,680 |
| Income before extraordinary items | $-295,000 | 8,462 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-295,000 | 8,462 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,503 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $-295,000 | 8,442 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $908,000 | 8,206 |
| Total interest expense | $367,000 | 7,615 |
| Net interest income | $541,000 | 8,354 |
| Provision for loan and lease losses | $9,000 | 6,548 |
| Total noninterest income | $163,000 | 6,950 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $62,000 | 6,577 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $101,000 | 5,925 |
| Total noninterest expense | $1,123,000 | 6,889 |
| Salaries and employee benefits | $629,000 | 6,795 |
| Premises and equipment expense | $204,000 | 5,984 |
| Additional noninterest expense | $290,000 | 7,166 |
| Pre-tax net operating income | $-428,000 | 8,575 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $-177,000 | 8,752 |
| Income before extraordinary items | $-251,000 | 8,543 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-251,000 | 8,543 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $-251,000 | 8,514 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $582,000 | 8,250 |
| Total interest expense | $234,000 | 7,627 |
| Net interest income | $348,000 | 8,405 |
| Provision for loan and lease losses | $6,000 | 6,298 |
| Total noninterest income | $77,000 | 7,470 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $31,000 | 6,910 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $46,000 | 6,538 |
| Total noninterest expense | $776,000 | 6,805 |
| Salaries and employee benefits | $433,000 | 6,735 |
| Premises and equipment expense | $139,000 | 5,935 |
| Additional noninterest expense | $204,000 | 7,044 |
| Pre-tax net operating income | $-357,000 | 8,622 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-163,000 | 8,780 |
| Income before extraordinary items | $-194,000 | 8,580 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-194,000 | 8,580 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-194,000 | 8,555 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $284,000 | 8,338 |
| Total interest expense | $112,000 | 7,683 |
| Net interest income | $172,000 | 8,495 |
| Provision for loan and lease losses | $3,000 | 5,957 |
| Total noninterest income | $21,000 | 8,155 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $11,000 | 7,233 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $10,000 | 7,741 |
| Total noninterest expense | $387,000 | 6,856 |
| Salaries and employee benefits | $209,000 | 6,871 |
| Premises and equipment expense | $76,000 | 5,710 |
| Additional noninterest expense | $102,000 | 7,090 |
| Pre-tax net operating income | $-197,000 | 8,723 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $-90,000 | 8,833 |
| Income before extraordinary items | $-107,000 | 8,676 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-107,000 | 8,676 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-107,000 | 8,652 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $911,000 | 8,474 |
| Total interest expense | $308,000 | 8,055 |
| Net interest income | $603,000 | 8,544 |
| Provision for loan and lease losses | $155,000 | 4,178 |
| Total noninterest income | $139,000 | 7,709 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $55,000 | 7,212 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $84,000 | 6,699 |
| Total noninterest expense | $1,184,000 | 7,470 |
| Salaries and employee benefits | $636,000 | 7,528 |
| Premises and equipment expense | $211,000 | 6,623 |
| Additional noninterest expense | $337,000 | 7,481 |
| Pre-tax net operating income | $-597,000 | 8,700 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $-236,000 | 8,831 |
| Income before extraordinary items | $-361,000 | 8,652 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-361,000 | 8,653 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,855 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-361,000 | 8,625 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $610,000 | 8,604 |
| Total interest expense | $200,000 | 8,262 |
| Net interest income | $410,000 | 8,658 |
| Provision for loan and lease losses | $17,000 | 6,493 |
| Total noninterest income | $93,000 | 7,892 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $39,000 | 7,302 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $54,000 | 6,952 |
| Total noninterest expense | $796,000 | 7,653 |
| Salaries and employee benefits | $479,000 | 7,454 |
| Premises and equipment expense | $101,000 | 7,508 |
| Additional noninterest expense | $216,000 | 7,779 |
| Pre-tax net operating income | $-310,000 | 8,699 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $-103,000 | 8,858 |
| Income before extraordinary items | $-207,000 | 8,685 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-207,000 | 8,687 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-207,000 | 8,659 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $335,000 | 8,765 |
| Total interest expense | $110,000 | 8,496 |
| Net interest income | $225,000 | 8,803 |
| Provision for loan and lease losses | $14,000 | 6,192 |
| Total noninterest income | $77,000 | 7,649 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $19,000 | 7,545 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $58,000 | 6,187 |
| Total noninterest expense | $535,000 | 7,682 |
| Salaries and employee benefits | $331,000 | 7,424 |
| Premises and equipment expense | $69,000 | 7,486 |
| Additional noninterest expense | $135,000 | 7,914 |
| Pre-tax net operating income | $-247,000 | 8,791 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $-82,000 | 8,923 |
| Income before extraordinary items | $-165,000 | 8,769 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-165,000 | 8,770 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-165,000 | 8,744 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $140,000 | 8,893 |
| Total interest expense | $47,000 | 8,661 |
| Net interest income | $93,000 | 8,912 |
| Provision for loan and lease losses | $11,000 | 5,558 |
| Total noninterest income | $33,000 | 7,851 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $7,000 | 7,665 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $26,000 | 6,361 |
| Total noninterest expense | $273,000 | 7,691 |
| Salaries and employee benefits | $175,000 | 7,332 |
| Premises and equipment expense | $34,000 | 7,562 |
| Additional noninterest expense | $64,000 | 8,039 |
| Pre-tax net operating income | $-158,000 | 8,869 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $-51,000 | 8,975 |
| Income before extraordinary items | $-107,000 | 8,849 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-107,000 | 8,850 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-107,000 | 8,814 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,258,000 | 7,309 |
| Total interest expense | $353,000 | 8,279 |
| Net interest income | $1,905,000 | 6,731 |
| Provision for loan and lease losses | $154,000 | 4,536 |
| Total noninterest income | $817,000 | 4,188 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $165,000 | 5,687 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $652,000 | 3,099 |
| Total noninterest expense | $2,103,000 | 5,824 |
| Salaries and employee benefits | $1,338,000 | 5,246 |
| Premises and equipment expense | $203,000 | 6,739 |
| Additional noninterest expense | $562,000 | 6,187 |
| Pre-tax net operating income | $465,000 | 6,783 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $172,000 | 5,117 |
| Income before extraordinary items | $293,000 | 7,310 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $293,000 | 7,312 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 6,961 |
| Cash dividends | $1,565,000 | 1,674 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $293,000 | 7,165 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,136,000 | 6,778 |
| Total interest expense | $343,000 | 8,054 |
| Net interest income | $1,793,000 | 6,063 |
| Provision for loan and lease losses | $27,000 | 6,482 |
| Total noninterest income | $806,000 | 3,630 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $164,000 | 5,096 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $642,000 | 2,717 |
| Total noninterest expense | $1,367,000 | 6,266 |
| Salaries and employee benefits | $842,000 | 5,838 |
| Premises and equipment expense | $162,000 | 6,596 |
| Additional noninterest expense | $363,000 | 6,625 |
| Pre-tax net operating income | $1,205,000 | 4,058 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $472,000 | 3,128 |
| Income before extraordinary items | $733,000 | 4,858 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $733,000 | 4,858 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 6,378 |
| Cash dividends | $620,000 | 2,345 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $733,000 | 4,667 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,432,000 | 6,804 |
| Total interest expense | $254,000 | 7,980 |
| Net interest income | $1,178,000 | 6,126 |
| Provision for loan and lease losses | $18,000 | 6,396 |
| Total noninterest income | $483,000 | 3,818 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $108,000 | 5,080 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $375,000 | 2,890 |
| Total noninterest expense | $871,000 | 6,436 |
| Salaries and employee benefits | $529,000 | 6,050 |
| Premises and equipment expense | $105,000 | 6,641 |
| Additional noninterest expense | $237,000 | 6,682 |
| Pre-tax net operating income | $772,000 | 4,149 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $303,000 | 3,227 |
| Income before extraordinary items | $469,000 | 4,963 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $469,000 | 4,963 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,006 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $469,000 | 4,757 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $715,000 | 6,851 |
| Total interest expense | $141,000 | 7,875 |
| Net interest income | $574,000 | 6,199 |
| Provision for loan and lease losses | $9,000 | 6,152 |
| Total noninterest income | $243,000 | 3,698 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $55,000 | 4,963 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $188,000 | 2,829 |
| Total noninterest expense | $435,000 | 6,461 |
| Salaries and employee benefits | $264,000 | 6,066 |
| Premises and equipment expense | $49,000 | 6,835 |
| Additional noninterest expense | $122,000 | 6,602 |
| Pre-tax net operating income | $373,000 | 4,215 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $145,000 | 3,277 |
| Income before extraordinary items | $228,000 | 4,973 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $228,000 | 4,972 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $228,000 | 4,772 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,009,000 | 6,856 |
| Total interest expense | $722,000 | 7,754 |
| Net interest income | $2,287,000 | 6,198 |
| Provision for loan and lease losses | $150,000 | 4,907 |
| Total noninterest income | $718,000 | 4,264 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $235,000 | 4,843 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $483,000 | 3,347 |
| Total noninterest expense | $1,640,000 | 6,581 |
| Salaries and employee benefits | $975,000 | 6,236 |
| Premises and equipment expense | $206,000 | 6,710 |
| Additional noninterest expense | $459,000 | 6,748 |
| Pre-tax net operating income | $1,215,000 | 4,680 |
| Securities gains (losses) | $4,000 | 4,045 |
| Applicable income taxes | $465,000 | 3,600 |
| Income before extraordinary items | $754,000 | 5,358 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $754,000 | 5,357 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 4,802 |
| Cash dividends | $735,000 | 2,801 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $751,440 | 5,229 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,289,000 | 6,942 |
| Total interest expense | $1,181,000 | 7,642 |
| Net interest income | $2,108,000 | 6,270 |
| Provision for loan and lease losses | $52,000 | 6,614 |
| Total noninterest income | $572,000 | 4,711 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $200,000 | 5,168 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $372,000 | 3,696 |
| Total noninterest expense | $1,437,000 | 6,934 |
| Salaries and employee benefits | $856,000 | 6,557 |
| Premises and equipment expense | $173,000 | 7,171 |
| Additional noninterest expense | $408,000 | 7,079 |
| Pre-tax net operating income | $1,191,000 | 4,434 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $454,000 | 3,487 |
| Income before extraordinary items | $737,000 | 5,100 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $737,000 | 5,104 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,796 |
| Cash dividends | $537,000 | 3,345 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $737,000 | 4,992 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,178,000 | 7,226 |
| Total interest expense | $1,360,000 | 7,441 |
| Net interest income | $1,818,000 | 6,887 |
| Provision for loan and lease losses | $12,000 | 7,853 |
| Total noninterest income | $415,000 | 5,440 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $189,000 | 5,243 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $226,000 | 4,515 |
| Total noninterest expense | $1,365,000 | 7,079 |
| Salaries and employee benefits | $767,000 | 6,893 |
| Premises and equipment expense | $186,000 | 6,980 |
| Additional noninterest expense | $412,000 | 7,054 |
| Pre-tax net operating income | $856,000 | 5,681 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $319,000 | 4,462 |
| Income before extraordinary items | $537,000 | 6,139 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $537,000 | 6,137 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,148 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $537,000 | 6,145 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,932,000 | 7,456 |
| Total interest expense | $1,297,000 | 7,410 |
| Net interest income | $1,635,000 | 7,319 |
| Provision for loan and lease losses | $12,000 | 7,978 |
| Total noninterest income | $372,000 | 5,822 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $121,000 | 6,327 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $251,000 | 4,431 |
| Total noninterest expense | $1,248,000 | 7,437 |
| Salaries and employee benefits | $652,000 | 7,480 |
| Premises and equipment expense | $140,000 | 7,850 |
| Additional noninterest expense | $456,000 | 6,858 |
| Pre-tax net operating income | $747,000 | 6,136 |
| Securities gains (losses) | $3,000 | 2,393 |
| Applicable income taxes | $270,000 | 5,037 |
| Income before extraordinary items | $480,000 | 6,546 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $480,000 | 6,545 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,271 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $478,080 | 6,529 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,022,000 | 7,510 |
| Total interest expense | $1,273,000 | 7,746 |
| Net interest income | $1,749,000 | 7,157 |
| Provision for loan and lease losses | $12,000 | 8,074 |
| Total noninterest income | $313,000 | 6,345 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $121,000 | 6,448 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $192,000 | 5,065 |
| Total noninterest expense | $1,223,000 | 7,478 |
| Salaries and employee benefits | $656,000 | 7,446 |
| Premises and equipment expense | $153,000 | 7,582 |
| Additional noninterest expense | $414,000 | 7,106 |
| Pre-tax net operating income | $827,000 | 5,983 |
| Securities gains (losses) | $6,000 | 3,324 |
| Applicable income taxes | $314,000 | 5,055 |
| Income before extraordinary items | $519,000 | 6,491 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $519,000 | 6,490 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,323 |
| Cash dividends | $480,000 | 3,628 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $515,160 | 6,402 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,462,000 | 8,423 |
| Total interest expense | $951,000 | 8,826 |
| Net interest income | $1,511,000 | 7,950 |
| Provision for loan and lease losses | $40,000 | 7,002 |
| Total noninterest income | $467,000 | 5,222 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $139,000 | 6,373 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $328,000 | 3,736 |
| Total noninterest expense | $1,155,000 | 7,841 |
| Salaries and employee benefits | $598,000 | 7,931 |
| Premises and equipment expense | $171,000 | 7,366 |
| Additional noninterest expense | $386,000 | 7,478 |
| Pre-tax net operating income | $783,000 | 6,617 |
| Securities gains (losses) | $-1,000 | 9,009 |
| Applicable income taxes | $302,000 | 5,707 |
| Income before extraordinary items | $480,000 | 7,099 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $480,000 | 7,101 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,353 |
| Cash dividends | $393,000 | 4,031 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $480,640 | 7,045 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,325,000 | 8,944 |
| Total interest expense | $892,000 | 9,357 |
| Net interest income | $1,433,000 | 8,427 |
| Provision for loan and lease losses | $148,000 | 4,128 |
| Total noninterest income | $425,000 | 5,751 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $129,000 | 6,881 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $296,000 | 4,103 |
| Total noninterest expense | $1,081,000 | 8,398 |
| Salaries and employee benefits | $563,000 | 8,386 |
| Premises and equipment expense | $161,000 | 7,804 |
| Additional noninterest expense | $357,000 | 8,296 |
| Pre-tax net operating income | $629,000 | 7,279 |
| Securities gains (losses) | $-2,000 | 9,485 |
| Applicable income taxes | $234,000 | 6,651 |
| Income before extraordinary items | $393,000 | 7,676 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $393,000 | 7,676 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $142,000 | 3,273 |
| Cash dividends | $225,000 | 5,172 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $394,280 | 7,607 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,291,000 | 9,267 |
| Total interest expense | $913,000 | 9,571 |
| Net interest income | $1,378,000 | 8,849 |
| Provision for loan and lease losses | $22,000 | 7,572 |
| Total noninterest income | $375,000 | 6,217 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $110,000 | 7,544 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $265,000 | 4,328 |
| Total noninterest expense | $1,138,000 | 8,434 |
| Salaries and employee benefits | $589,000 | 8,432 |
| Premises and equipment expense | $191,000 | 7,369 |
| Additional noninterest expense | $358,000 | 8,613 |
| Pre-tax net operating income | $593,000 | 7,906 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $222,000 | 7,058 |
| Income before extraordinary items | $371,000 | 8,313 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $371,000 | 8,315 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 6,295 |
| Cash dividends | $225,000 | 5,195 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $371,000 | 8,292 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,950,000 | 9,884 |
| Total interest expense | $753,000 | 9,818 |
| Net interest income | $1,197,000 | 9,774 |
| Provision for loan and lease losses | $12,000 | 8,270 |
| Total noninterest income | $353,000 | 6,645 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $99,000 | 8,122 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $254,000 | 4,551 |
| Total noninterest expense | $1,116,000 | 8,920 |
| Salaries and employee benefits | $593,000 | 8,653 |
| Premises and equipment expense | $185,000 | 7,754 |
| Additional noninterest expense | $338,000 | 9,495 |
| Pre-tax net operating income | $422,000 | 9,188 |
| Securities gains (losses) | $1,000 | 3,293 |
| Applicable income taxes | $152,000 | 8,265 |
| Income before extraordinary items | $271,000 | 9,478 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $271,000 | 9,484 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 10,986 |
| Cash dividends | $293,000 | 4,590 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $270,360 | 9,533 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,878,000 | 10,433 |
| Total interest expense | $729,000 | 10,416 |
| Net interest income | $1,149,000 | 10,232 |
| Provision for loan and lease losses | $38,000 | 8,041 |
| Total noninterest income | $590,000 | 5,014 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $110,000 | 8,108 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $480,000 | 3,350 |
| Total noninterest expense | $1,091,000 | 9,357 |
| Salaries and employee benefits | $568,000 | 9,068 |
| Premises and equipment expense | $214,000 | 7,406 |
| Additional noninterest expense | $309,000 | 10,334 |
| Pre-tax net operating income | $610,000 | 7,878 |
| Securities gains (losses) | $4,000 | 6,316 |
| Applicable income taxes | $240,000 | 6,952 |
| Income before extraordinary items | $374,000 | 8,697 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $374,000 | 8,848 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 6,927 |
| Cash dividends | $294,000 | 4,510 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $371,440 | 8,464 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,014,000 | 10,870 |
| Total interest expense | $864,000 | 11,033 |
| Net interest income | $1,150,000 | 10,509 |
| Provision for loan and lease losses | $29,000 | 10,079 |
| Total noninterest income | $365,000 | 6,901 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $93,000 | 8,723 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $272,000 | 4,709 |
| Total noninterest expense | $953,000 | 10,191 |
| Salaries and employee benefits | $506,000 | 9,728 |
| Premises and equipment expense | $157,000 | 8,918 |
| Additional noninterest expense | $290,000 | 10,974 |
| Pre-tax net operating income | $533,000 | 8,185 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $166,000 | 8,249 |
| Income before extraordinary items | $367,000 | 8,535 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $367,000 | 8,663 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-50,000 | 13,477 |
| Cash dividends | $213,000 | 4,859 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $367,000 | 8,177 |
* 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.