Home > MERCHANTS BANK > Income and Expense
MERCHANTS BANK, Income and Expense
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $602,000 | 6,954 |
| Total interest expense | $203,000 | 6,784 |
| Net interest income | $399,000 | 6,872 |
| Provision for loan and lease losses | $37,000 | 5,262 |
| Total noninterest income | $153,000 | 4,339 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $40,000 | 5,014 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $113,000 | 3,457 |
| Total noninterest expense | $334,000 | 7,080 |
| Salaries and employee benefits | $182,000 | 7,039 |
| Premises and equipment expense | $31,000 | 7,320 |
| Additional noninterest expense | $121,000 | 6,766 |
| Pre-tax net operating income | $181,000 | 4,205 |
| Securities gains (losses) | $49,000 | 1,313 |
| Applicable income taxes | $86,000 | 2,332 |
| Income before extraordinary items | $144,000 | 4,422 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $144,000 | 4,425 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $144,000 | 4,425 |
| Net charge-offs | $1,000 | 5,564 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $112,640 | 4,619 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $2,714,000 | 6,810 |
| Total interest expense | $909,000 | 6,945 |
| Net interest income | $1,805,000 | 6,639 |
| Provision for loan and lease losses | $22,000 | 6,985 |
| Total noninterest income | $401,000 | 5,267 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $218,000 | 4,632 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $183,000 | 4,986 |
| Total noninterest expense | $1,246,000 | 7,213 |
| Salaries and employee benefits | $668,000 | 7,230 |
| Premises and equipment expense | $105,000 | 7,573 |
| Additional noninterest expense | $473,000 | 6,736 |
| Pre-tax net operating income | $938,000 | 3,878 |
| Securities gains (losses) | $70,000 | 1,377 |
| Applicable income taxes | $344,000 | 2,246 |
| Income before extraordinary items | $664,000 | 4,008 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $664,000 | 4,009 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 5,940 |
| Cash dividends | $2,000,000 | 1,337 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $617,800 | 4,277 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $2,083,000 | 6,845 |
| Total interest expense | $683,000 | 7,044 |
| Net interest income | $1,400,000 | 6,620 |
| Provision for loan and lease losses | $22,000 | 6,451 |
| Total noninterest income | $313,000 | 5,296 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $167,000 | 4,621 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $146,000 | 4,999 |
| Total noninterest expense | $928,000 | 7,228 |
| Salaries and employee benefits | $501,000 | 7,248 |
| Premises and equipment expense | $79,000 | 7,598 |
| Additional noninterest expense | $348,000 | 6,778 |
| Pre-tax net operating income | $763,000 | 4,188 |
| Securities gains (losses) | $5,000 | 2,631 |
| Applicable income taxes | $259,000 | 2,623 |
| Income before extraordinary items | $509,000 | 4,419 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $509,000 | 4,417 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 5,374 |
| Cash dividends | $1,000,000 | 1,791 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $505,700 | 4,570 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,402,000 | 6,888 |
| Total interest expense | $465,000 | 7,127 |
| Net interest income | $937,000 | 6,612 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $225,000 | 5,205 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $110,000 | 4,655 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $115,000 | 4,810 |
| Total noninterest expense | $599,000 | 7,336 |
| Salaries and employee benefits | $327,000 | 7,352 |
| Premises and equipment expense | $56,000 | 7,583 |
| Additional noninterest expense | $216,000 | 6,933 |
| Pre-tax net operating income | $563,000 | 4,152 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $192,000 | 2,738 |
| Income before extraordinary items | $371,000 | 4,626 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $371,000 | 4,626 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,998 |
| Cash dividends | $1,000,000 | 1,384 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $371,000 | 4,563 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $707,000 | 6,953 |
| Total interest expense | $249,000 | 7,147 |
| Net interest income | $458,000 | 6,710 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $100,000 | 5,420 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $48,000 | 4,876 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $52,000 | 4,970 |
| Total noninterest expense | $301,000 | 7,368 |
| Salaries and employee benefits | $161,000 | 7,414 |
| Premises and equipment expense | $30,000 | 7,535 |
| Additional noninterest expense | $110,000 | 6,901 |
| Pre-tax net operating income | $257,000 | 4,476 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $86,000 | 2,970 |
| Income before extraordinary items | $171,000 | 5,007 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $171,000 | 5,011 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $171,000 | 4,890 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $2,643,000 | 7,099 |
| Total interest expense | $852,000 | 7,407 |
| Net interest income | $1,791,000 | 6,761 |
| Provision for loan and lease losses | $20,000 | 6,324 |
| Total noninterest income | $395,000 | 5,520 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $221,000 | 4,701 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $174,000 | 5,325 |
| Total noninterest expense | $1,355,000 | 7,135 |
| Salaries and employee benefits | $740,000 | 7,153 |
| Premises and equipment expense | $128,000 | 7,467 |
| Additional noninterest expense | $487,000 | 6,638 |
| Pre-tax net operating income | $811,000 | 5,151 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $266,000 | 3,532 |
| Income before extraordinary items | $545,000 | 5,526 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $545,000 | 5,526 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 5,700 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $545,000 | 5,512 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,964,000 | 7,165 |
| Total interest expense | $629,000 | 7,467 |
| Net interest income | $1,335,000 | 6,819 |
| Provision for loan and lease losses | $20,000 | 5,830 |
| Total noninterest income | $263,000 | 5,801 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $165,000 | 4,729 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $98,000 | 5,842 |
| Total noninterest expense | $1,012,000 | 7,125 |
| Salaries and employee benefits | $597,000 | 6,952 |
| Premises and equipment expense | $94,000 | 7,477 |
| Additional noninterest expense | $321,000 | 6,903 |
| Pre-tax net operating income | $566,000 | 5,544 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $192,000 | 3,767 |
| Income before extraordinary items | $374,000 | 5,950 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $374,000 | 5,948 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,905 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $374,000 | 5,939 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,309,000 | 7,198 |
| Total interest expense | $412,000 | 7,523 |
| Net interest income | $897,000 | 6,837 |
| Provision for loan and lease losses | $20,000 | 5,312 |
| Total noninterest income | $176,000 | 5,837 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $107,000 | 4,803 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $69,000 | 5,763 |
| Total noninterest expense | $680,000 | 7,145 |
| Salaries and employee benefits | $396,000 | 7,023 |
| Premises and equipment expense | $66,000 | 7,435 |
| Additional noninterest expense | $218,000 | 6,906 |
| Pre-tax net operating income | $373,000 | 5,648 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $128,000 | 3,843 |
| Income before extraordinary items | $245,000 | 6,050 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $245,000 | 6,049 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 4,237 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $245,000 | 6,034 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $646,000 | 7,249 |
| Total interest expense | $202,000 | 7,576 |
| Net interest income | $444,000 | 6,879 |
| Provision for loan and lease losses | $20,000 | 4,351 |
| Total noninterest income | $76,000 | 6,073 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $52,000 | 4,797 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $24,000 | 6,337 |
| Total noninterest expense | $347,000 | 7,158 |
| Salaries and employee benefits | $200,000 | 7,044 |
| Premises and equipment expense | $37,000 | 7,309 |
| Additional noninterest expense | $110,000 | 6,904 |
| Pre-tax net operating income | $153,000 | 6,023 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $49,000 | 4,153 |
| Income before extraordinary items | $104,000 | 6,337 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $104,000 | 6,336 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 2,972 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $104,000 | 6,319 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $2,382,000 | 7,237 |
| Total interest expense | $660,000 | 7,592 |
| Net interest income | $1,722,000 | 6,905 |
| Provision for loan and lease losses | $14,000 | 6,469 |
| Total noninterest income | $379,000 | 5,717 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $267,000 | 4,358 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $112,000 | 6,140 |
| Total noninterest expense | $1,341,000 | 7,156 |
| Salaries and employee benefits | $819,000 | 6,912 |
| Premises and equipment expense | $117,000 | 7,622 |
| Additional noninterest expense | $405,000 | 7,037 |
| Pre-tax net operating income | $746,000 | 5,798 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $254,000 | 4,011 |
| Income before extraordinary items | $492,000 | 6,187 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $492,000 | 6,187 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $492,000 | 6,184 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,735,000 | 7,332 |
| Total interest expense | $462,000 | 7,691 |
| Net interest income | $1,273,000 | 7,015 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $278,000 | 5,793 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $201,000 | 4,378 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $77,000 | 6,285 |
| Total noninterest expense | $968,000 | 7,248 |
| Salaries and employee benefits | $590,000 | 6,979 |
| Premises and equipment expense | $87,000 | 7,642 |
| Additional noninterest expense | $291,000 | 7,140 |
| Pre-tax net operating income | $583,000 | 5,923 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $196,000 | 4,155 |
| Income before extraordinary items | $387,000 | 6,300 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $387,000 | 6,301 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,298 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $387,000 | 6,303 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,138,000 | 7,370 |
| Total interest expense | $284,000 | 7,774 |
| Net interest income | $854,000 | 7,041 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $191,000 | 5,742 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $133,000 | 4,381 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $58,000 | 6,139 |
| Total noninterest expense | $650,000 | 7,269 |
| Salaries and employee benefits | $395,000 | 7,006 |
| Premises and equipment expense | $60,000 | 7,622 |
| Additional noninterest expense | $195,000 | 7,146 |
| Pre-tax net operating income | $395,000 | 5,926 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $135,000 | 4,150 |
| Income before extraordinary items | $260,000 | 6,304 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $260,000 | 6,305 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,074 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $260,000 | 6,307 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $565,000 | 7,374 |
| Total interest expense | $137,000 | 7,792 |
| Net interest income | $428,000 | 7,056 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $86,000 | 5,923 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $64,000 | 4,410 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $22,000 | 6,566 |
| Total noninterest expense | $333,000 | 7,218 |
| Salaries and employee benefits | $202,000 | 6,972 |
| Premises and equipment expense | $35,000 | 7,427 |
| Additional noninterest expense | $96,000 | 7,176 |
| Pre-tax net operating income | $181,000 | 6,041 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $60,000 | 4,268 |
| Income before extraordinary items | $121,000 | 6,391 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $121,000 | 6,391 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 6,875 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $121,000 | 6,391 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,266,000 | 7,201 |
| Total interest expense | $494,000 | 7,636 |
| Net interest income | $1,772,000 | 6,934 |
| Provision for loan and lease losses | $-88,000 | 8,617 |
| Total noninterest income | $391,000 | 5,764 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $234,000 | 4,719 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $157,000 | 5,649 |
| Total noninterest expense | $1,332,000 | 7,170 |
| Salaries and employee benefits | $818,000 | 6,869 |
| Premises and equipment expense | $109,000 | 7,762 |
| Additional noninterest expense | $405,000 | 7,068 |
| Pre-tax net operating income | $919,000 | 5,583 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $340,000 | 3,942 |
| Income before extraordinary items | $579,000 | 6,080 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $579,000 | 6,085 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 6,206 |
| Cash dividends | $316,000 | 4,305 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $579,000 | 6,051 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,680,000 | 7,232 |
| Total interest expense | $359,000 | 7,645 |
| Net interest income | $1,321,000 | 6,988 |
| Provision for loan and lease losses | $12,000 | 6,428 |
| Total noninterest income | $287,000 | 5,856 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $168,000 | 4,837 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $119,000 | 5,636 |
| Total noninterest expense | $997,000 | 7,165 |
| Salaries and employee benefits | $605,000 | 6,903 |
| Premises and equipment expense | $82,000 | 7,764 |
| Additional noninterest expense | $310,000 | 7,021 |
| Pre-tax net operating income | $599,000 | 6,016 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $217,000 | 4,295 |
| Income before extraordinary items | $382,000 | 6,468 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $382,000 | 6,468 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,516 |
| Cash dividends | $316,000 | 3,448 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $382,000 | 6,426 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,114,000 | 7,228 |
| Total interest expense | $225,000 | 7,671 |
| Net interest income | $889,000 | 6,968 |
| Provision for loan and lease losses | $12,000 | 5,987 |
| Total noninterest income | $176,000 | 6,026 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $104,000 | 4,953 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $72,000 | 5,829 |
| Total noninterest expense | $692,000 | 7,085 |
| Salaries and employee benefits | $424,000 | 6,787 |
| Premises and equipment expense | $69,000 | 7,428 |
| Additional noninterest expense | $199,000 | 7,095 |
| Pre-tax net operating income | $361,000 | 6,219 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $130,000 | 4,458 |
| Income before extraordinary items | $231,000 | 6,663 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $231,000 | 6,664 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,385 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $231,000 | 6,614 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $553,000 | 7,284 |
| Total interest expense | $111,000 | 7,695 |
| Net interest income | $442,000 | 7,027 |
| Provision for loan and lease losses | $6,000 | 5,706 |
| Total noninterest income | $75,000 | 6,308 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $50,000 | 4,996 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $25,000 | 6,471 |
| Total noninterest expense | $344,000 | 7,143 |
| Salaries and employee benefits | $208,000 | 6,886 |
| Premises and equipment expense | $39,000 | 7,270 |
| Additional noninterest expense | $97,000 | 7,205 |
| Pre-tax net operating income | $167,000 | 6,351 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $59,000 | 4,561 |
| Income before extraordinary items | $108,000 | 6,756 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $108,000 | 6,758 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 3,504 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $108,000 | 6,721 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,092,000 | 7,289 |
| Total interest expense | $385,000 | 7,748 |
| Net interest income | $1,707,000 | 7,036 |
| Provision for loan and lease losses | $8,000 | 7,099 |
| Total noninterest income | $374,000 | 5,933 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $230,000 | 4,922 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $144,000 | 5,771 |
| Total noninterest expense | $1,272,000 | 7,313 |
| Salaries and employee benefits | $758,000 | 7,079 |
| Premises and equipment expense | $118,000 | 7,742 |
| Additional noninterest expense | $396,000 | 7,146 |
| Pre-tax net operating income | $801,000 | 5,789 |
| Securities gains (losses) | $125,000 | 1,101 |
| Applicable income taxes | $351,000 | 3,931 |
| Income before extraordinary items | $575,000 | 6,050 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $575,000 | 6,054 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,855 |
| Cash dividends | $500,000 | 3,518 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $495,000 | 6,307 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,533,000 | 7,354 |
| Total interest expense | $289,000 | 7,766 |
| Net interest income | $1,244,000 | 7,118 |
| Provision for loan and lease losses | $2,000 | 7,053 |
| Total noninterest income | $290,000 | 5,897 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $178,000 | 4,879 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $112,000 | 5,710 |
| Total noninterest expense | $941,000 | 7,311 |
| Salaries and employee benefits | $543,000 | 7,155 |
| Premises and equipment expense | $97,000 | 7,587 |
| Additional noninterest expense | $301,000 | 7,076 |
| Pre-tax net operating income | $591,000 | 5,938 |
| Securities gains (losses) | $125,000 | 1,035 |
| Applicable income taxes | $264,000 | 3,987 |
| Income before extraordinary items | $452,000 | 6,042 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $452,000 | 6,042 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $585,000 | 2,462 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $372,000 | 6,406 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $986,000 | 7,468 |
| Total interest expense | $196,000 | 7,801 |
| Net interest income | $790,000 | 7,251 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $218,000 | 5,631 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $111,000 | 5,035 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $107,000 | 5,031 |
| Total noninterest expense | $633,000 | 7,341 |
| Salaries and employee benefits | $366,000 | 7,180 |
| Premises and equipment expense | $65,000 | 7,603 |
| Additional noninterest expense | $202,000 | 7,108 |
| Pre-tax net operating income | $375,000 | 6,022 |
| Securities gains (losses) | $125,000 | 901 |
| Applicable income taxes | $185,000 | 3,914 |
| Income before extraordinary items | $315,000 | 5,923 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $315,000 | 5,923 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $585,000 | 1,931 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $235,000 | 6,495 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $497,000 | 7,508 |
| Total interest expense | $105,000 | 7,759 |
| Net interest income | $392,000 | 7,303 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $97,000 | 5,845 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $56,000 | 4,941 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $41,000 | 5,508 |
| Total noninterest expense | $322,000 | 7,337 |
| Salaries and employee benefits | $186,000 | 7,176 |
| Premises and equipment expense | $36,000 | 7,453 |
| Additional noninterest expense | $100,000 | 7,147 |
| Pre-tax net operating income | $167,000 | 6,218 |
| Securities gains (losses) | $125,000 | 702 |
| Applicable income taxes | $111,000 | 3,616 |
| Income before extraordinary items | $181,000 | 5,576 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $181,000 | 5,577 |
| 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 | $101,000 | 6,759 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,304,000 | 7,243 |
| Total interest expense | $507,000 | 7,712 |
| Net interest income | $1,797,000 | 6,905 |
| Provision for loan and lease losses | $11,000 | 7,350 |
| Total noninterest income | $457,000 | 5,657 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $225,000 | 5,003 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $232,000 | 4,987 |
| Total noninterest expense | $1,282,000 | 7,308 |
| Salaries and employee benefits | $729,000 | 7,195 |
| Premises and equipment expense | $138,000 | 7,567 |
| Additional noninterest expense | $415,000 | 7,063 |
| Pre-tax net operating income | $961,000 | 5,276 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $376,000 | 3,906 |
| Income before extraordinary items | $585,000 | 5,999 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $585,000 | 6,003 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 8,260 |
| Cash dividends | $650,000 | 3,064 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $585,000 | 5,835 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,765,000 | 7,277 |
| Total interest expense | $399,000 | 7,773 |
| Net interest income | $1,366,000 | 6,906 |
| Provision for loan and lease losses | $9,000 | 7,157 |
| Total noninterest income | $380,000 | 5,441 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $161,000 | 5,136 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $219,000 | 4,615 |
| Total noninterest expense | $939,000 | 7,345 |
| Salaries and employee benefits | $537,000 | 7,197 |
| Premises and equipment expense | $106,000 | 7,527 |
| Additional noninterest expense | $296,000 | 7,173 |
| Pre-tax net operating income | $798,000 | 5,131 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $311,000 | 3,848 |
| Income before extraordinary items | $487,000 | 5,921 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $487,000 | 5,922 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,999 |
| Cash dividends | $650,000 | 2,267 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $487,000 | 5,758 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,194,000 | 7,302 |
| Total interest expense | $278,000 | 7,811 |
| Net interest income | $916,000 | 6,896 |
| Provision for loan and lease losses | $6,000 | 7,004 |
| Total noninterest income | $249,000 | 5,468 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $103,000 | 5,211 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $146,000 | 4,618 |
| Total noninterest expense | $624,000 | 7,388 |
| Salaries and employee benefits | $355,000 | 7,254 |
| Premises and equipment expense | $72,000 | 7,506 |
| Additional noninterest expense | $197,000 | 7,180 |
| Pre-tax net operating income | $535,000 | 5,141 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $209,000 | 3,872 |
| Income before extraordinary items | $326,000 | 5,922 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $326,000 | 5,921 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,782 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $326,000 | 5,697 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $602,000 | 7,312 |
| Total interest expense | $139,000 | 7,898 |
| Net interest income | $463,000 | 6,871 |
| Provision for loan and lease losses | $3,000 | 6,662 |
| Total noninterest income | $101,000 | 5,896 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $44,000 | 5,485 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $57,000 | 5,014 |
| Total noninterest expense | $311,000 | 7,425 |
| Salaries and employee benefits | $175,000 | 7,320 |
| Premises and equipment expense | $39,000 | 7,371 |
| Additional noninterest expense | $97,000 | 7,224 |
| Pre-tax net operating income | $250,000 | 5,287 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $98,000 | 3,973 |
| Income before extraordinary items | $152,000 | 5,988 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $152,000 | 5,987 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,386 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $152,000 | 5,805 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,598,000 | 7,261 |
| Total interest expense | $630,000 | 8,003 |
| Net interest income | $1,968,000 | 6,675 |
| Provision for loan and lease losses | $75,000 | 6,163 |
| Total noninterest income | $326,000 | 6,270 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $179,000 | 5,479 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $147,000 | 5,641 |
| Total noninterest expense | $1,141,000 | 7,610 |
| Salaries and employee benefits | $627,000 | 7,598 |
| Premises and equipment expense | $117,000 | 7,917 |
| Additional noninterest expense | $397,000 | 7,176 |
| Pre-tax net operating income | $1,078,000 | 5,020 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $423,000 | 3,774 |
| Income before extraordinary items | $655,000 | 5,730 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $655,000 | 5,729 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,261 |
| Cash dividends | $550,000 | 3,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $655,000 | 5,589 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,913,000 | 7,346 |
| Total interest expense | $1,085,000 | 7,839 |
| Net interest income | $1,828,000 | 6,743 |
| Provision for loan and lease losses | $30,000 | 7,215 |
| Total noninterest income | $255,000 | 6,818 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $165,000 | 5,585 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $90,000 | 6,656 |
| Total noninterest expense | $1,123,000 | 7,644 |
| Salaries and employee benefits | $643,000 | 7,460 |
| Premises and equipment expense | $101,000 | 8,285 |
| Additional noninterest expense | $379,000 | 7,308 |
| Pre-tax net operating income | $930,000 | 5,093 |
| Securities gains (losses) | $2,000 | 4,242 |
| Applicable income taxes | $382,000 | 3,825 |
| Income before extraordinary items | $550,000 | 5,848 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $550,000 | 5,851 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $300,000 | 4,357 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $548,720 | 5,736 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,761,000 | 7,647 |
| Total interest expense | $1,260,000 | 7,674 |
| Net interest income | $1,501,000 | 7,468 |
| Provision for loan and lease losses | $18,000 | 7,686 |
| Total noninterest income | $172,000 | 7,583 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $138,000 | 5,937 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $34,000 | 8,376 |
| Total noninterest expense | $994,000 | 8,039 |
| Salaries and employee benefits | $547,000 | 7,991 |
| Premises and equipment expense | $105,000 | 8,358 |
| Additional noninterest expense | $342,000 | 7,612 |
| Pre-tax net operating income | $661,000 | 6,371 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $273,000 | 4,785 |
| Income before extraordinary items | $388,000 | 6,926 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $388,000 | 6,924 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 8,877 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $388,000 | 6,925 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,571,000 | 7,829 |
| Total interest expense | $1,176,000 | 7,708 |
| Net interest income | $1,395,000 | 7,787 |
| Provision for loan and lease losses | $18,000 | 7,756 |
| Total noninterest income | $147,000 | 8,142 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $123,000 | 6,298 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $24,000 | 9,087 |
| Total noninterest expense | $1,022,000 | 8,055 |
| Salaries and employee benefits | $542,000 | 8,088 |
| Premises and equipment expense | $178,000 | 7,166 |
| Additional noninterest expense | $302,000 | 8,096 |
| Pre-tax net operating income | $502,000 | 7,132 |
| Securities gains (losses) | $14,000 | 1,577 |
| Applicable income taxes | $217,000 | 5,526 |
| Income before extraordinary items | $299,000 | 7,607 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $299,000 | 7,606 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 5,737 |
| Cash dividends | $249,000 | 4,890 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $290,040 | 7,637 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,511,000 | 8,086 |
| Total interest expense | $1,162,000 | 7,997 |
| Net interest income | $1,349,000 | 7,997 |
| Provision for loan and lease losses | $111,000 | 4,896 |
| Total noninterest income | $159,000 | 8,092 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $98,000 | 6,890 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $61,000 | 7,768 |
| Total noninterest expense | $934,000 | 8,326 |
| Salaries and employee benefits | $497,000 | 8,379 |
| Premises and equipment expense | $163,000 | 7,375 |
| Additional noninterest expense | $274,000 | 8,369 |
| Pre-tax net operating income | $463,000 | 7,569 |
| Securities gains (losses) | $6,000 | 3,324 |
| Applicable income taxes | $207,000 | 6,113 |
| Income before extraordinary items | $262,000 | 8,159 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $262,000 | 8,158 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,720 |
| Cash dividends | $200,000 | 5,324 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $258,160 | 8,119 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,456,000 | 8,433 |
| Total interest expense | $1,026,000 | 8,610 |
| Net interest income | $1,430,000 | 8,158 |
| Provision for loan and lease losses | $18,000 | 7,986 |
| Total noninterest income | $139,000 | 8,746 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $103,000 | 7,134 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $36,000 | 9,049 |
| Total noninterest expense | $942,000 | 8,546 |
| Salaries and employee benefits | $493,000 | 8,653 |
| Premises and equipment expense | $171,000 | 7,366 |
| Additional noninterest expense | $278,000 | 8,552 |
| Pre-tax net operating income | $609,000 | 7,377 |
| Securities gains (losses) | $11,000 | 2,294 |
| Applicable income taxes | $268,000 | 6,058 |
| Income before extraordinary items | $352,000 | 7,977 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $352,000 | 7,980 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $1,000,000 | 2,147 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $344,960 | 7,993 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,314,000 | 8,961 |
| Total interest expense | $1,077,000 | 8,769 |
| Net interest income | $1,237,000 | 8,942 |
| Provision for loan and lease losses | $925,000 | 1,082 |
| Total noninterest income | $156,000 | 8,920 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $100,000 | 7,492 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $56,000 | 8,626 |
| Total noninterest expense | $944,000 | 8,902 |
| Salaries and employee benefits | $479,000 | 9,033 |
| Premises and equipment expense | $166,000 | 7,709 |
| Additional noninterest expense | $299,000 | 8,899 |
| Pre-tax net operating income | $-476,000 | 11,228 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $-176,000 | 11,252 |
| Income before extraordinary items | $-300,000 | 11,181 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-300,000 | 11,180 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $903,000 | 961 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-300,000 | 11,149 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,221,000 | 9,388 |
| Total interest expense | $1,134,000 | 8,800 |
| Net interest income | $1,087,000 | 9,661 |
| Provision for loan and lease losses | $180,000 | 3,223 |
| Total noninterest income | $141,000 | 9,468 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $87,000 | 8,120 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $54,000 | 9,034 |
| Total noninterest expense | $964,000 | 9,100 |
| Salaries and employee benefits | $455,000 | 9,495 |
| Premises and equipment expense | $177,000 | 7,669 |
| Additional noninterest expense | $332,000 | 8,893 |
| Pre-tax net operating income | $84,000 | 11,172 |
| Securities gains (losses) | $20,000 | 1,915 |
| Applicable income taxes | $90,000 | 9,389 |
| Income before extraordinary items | $14,000 | 11,450 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $14,000 | 11,447 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $130,000 | 3,217 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,200 | 11,462 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,911,000 | 9,966 |
| Total interest expense | $844,000 | 9,376 |
| Net interest income | $1,067,000 | 10,192 |
| Provision for loan and lease losses | $58,000 | 5,854 |
| Total noninterest income | $143,000 | 9,846 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $90,000 | 8,368 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $53,000 | 9,460 |
| Total noninterest expense | $953,000 | 9,538 |
| Salaries and employee benefits | $429,000 | 10,009 |
| Premises and equipment expense | $167,000 | 8,151 |
| Additional noninterest expense | $357,000 | 9,269 |
| Pre-tax net operating income | $199,000 | 10,902 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $122,000 | 8,885 |
| Income before extraordinary items | $77,000 | 11,604 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $77,000 | 11,613 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 3,796 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $77,000 | 11,648 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $815,000 | 12,646 |
| Total interest expense | $351,000 | 12,431 |
| Net interest income | $464,000 | 12,656 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $93,000 | 11,491 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $49,000 | 10,111 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $44,000 | 10,462 |
| Total noninterest expense | $412,000 | 12,592 |
| Salaries and employee benefits | $179,000 | 12,788 |
| Premises and equipment expense | $56,000 | 11,992 |
| Additional noninterest expense | $177,000 | 12,062 |
| Pre-tax net operating income | $145,000 | 11,511 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $71,000 | 10,446 |
| Income before extraordinary items | $74,000 | 12,065 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $74,000 | 12,089 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 9,413 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $74,000 | 11,895 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,908,000 | 11,079 |
| Total interest expense | $968,000 | 10,540 |
| Net interest income | $940,000 | 11,341 |
| Provision for loan and lease losses | $-40,000 | 13,579 |
| Total noninterest income | $225,000 | 8,941 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $101,000 | 8,491 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $124,000 | 7,335 |
| Total noninterest expense | $984,000 | 10,050 |
| Salaries and employee benefits | $429,000 | 10,530 |
| Premises and equipment expense | $118,000 | 10,101 |
| Additional noninterest expense | $437,000 | 9,122 |
| Pre-tax net operating income | $221,000 | 10,878 |
| Securities gains (losses) | $35,000 | 4,733 |
| Applicable income taxes | $79,000 | 10,473 |
| Income before extraordinary items | $177,000 | 10,906 |
| Extraordinary gains, net | $-23,000 | 13,516 |
| Net income | $154,000 | 11,305 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-36,000 | 13,353 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $152,850 | 10,898 |
* 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.