Home > Merchants Bank > Income and Expense
Merchants Bank, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,188,000 | 5,053 |
| Total interest expense | $1,316,000 | 5,159 |
| Net interest income | $1,872,000 | 4,866 |
| Provision for loan and lease losses | $599,000 | 892 |
| Total noninterest income | $496,000 | 3,580 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $260,000 | 2,955 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $236,000 | 3,465 |
| Total noninterest expense | $2,066,000 | 4,034 |
| Salaries and employee benefits | $1,104,000 | 4,089 |
| Premises and equipment expense | $374,000 | 3,262 |
| Additional noninterest expense | $588,000 | 4,073 |
| Pre-tax net operating income | $-297,000 | 8,157 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-159,000 | 8,442 |
| Income before extraordinary items | $-138,000 | 8,058 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-138,000 | 8,057 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $428,000 | 798 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-138,000 | 8,052 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,601,000 | 5,026 |
| Total interest expense | $646,000 | 5,182 |
| Net interest income | $955,000 | 4,820 |
| Provision for loan and lease losses | $44,000 | 3,369 |
| Total noninterest income | $248,000 | 3,555 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $134,000 | 2,839 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $114,000 | 3,521 |
| Total noninterest expense | $1,018,000 | 4,087 |
| Salaries and employee benefits | $543,000 | 4,182 |
| Premises and equipment expense | $195,000 | 3,183 |
| Additional noninterest expense | $280,000 | 4,164 |
| Pre-tax net operating income | $141,000 | 6,153 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $38,000 | 4,407 |
| Income before extraordinary items | $103,000 | 6,350 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $103,000 | 6,349 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-32,000 | 8,290 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $103,000 | 6,331 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $5,832,000 | 5,106 |
| Total interest expense | $1,879,000 | 5,574 |
| Net interest income | $3,953,000 | 4,690 |
| Provision for loan and lease losses | $187,000 | 3,655 |
| Total noninterest income | $1,122,000 | 3,285 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $887,000 | 1,936 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $235,000 | 4,800 |
| Total noninterest expense | $4,061,000 | 3,953 |
| Salaries and employee benefits | $2,179,000 | 4,010 |
| Premises and equipment expense | $727,000 | 3,241 |
| Additional noninterest expense | $1,155,000 | 4,058 |
| Pre-tax net operating income | $827,000 | 5,582 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $260,000 | 3,988 |
| Income before extraordinary items | $567,000 | 5,933 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $567,000 | 5,933 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $140,000 | 2,682 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $567,000 | 5,933 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,221,000 | 5,202 |
| Total interest expense | $1,244,000 | 5,831 |
| Net interest income | $2,977,000 | 4,718 |
| Provision for loan and lease losses | $121,000 | 3,808 |
| Total noninterest income | $848,000 | 3,271 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $671,000 | 1,923 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $177,000 | 4,797 |
| Total noninterest expense | $3,033,000 | 3,949 |
| Salaries and employee benefits | $1,659,000 | 3,948 |
| Premises and equipment expense | $521,000 | 3,354 |
| Additional noninterest expense | $853,000 | 4,074 |
| Pre-tax net operating income | $671,000 | 5,626 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $207,000 | 4,096 |
| Income before extraordinary items | $464,000 | 5,924 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $464,000 | 5,925 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 3,050 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $464,000 | 5,924 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,707,000 | 5,292 |
| Total interest expense | $756,000 | 5,954 |
| Net interest income | $1,951,000 | 4,790 |
| Provision for loan and lease losses | $86,000 | 3,640 |
| Total noninterest income | $576,000 | 3,201 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $484,000 | 1,789 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $92,000 | 5,303 |
| Total noninterest expense | $1,979,000 | 4,030 |
| Salaries and employee benefits | $1,083,000 | 4,029 |
| Premises and equipment expense | $338,000 | 3,421 |
| Additional noninterest expense | $558,000 | 4,138 |
| Pre-tax net operating income | $462,000 | 5,584 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $144,000 | 4,064 |
| Income before extraordinary items | $318,000 | 5,891 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $318,000 | 5,891 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 3,137 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $318,000 | 5,891 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,299,000 | 5,359 |
| Total interest expense | $368,000 | 5,909 |
| Net interest income | $931,000 | 4,915 |
| Provision for loan and lease losses | $13,000 | 5,083 |
| Total noninterest income | $268,000 | 3,319 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $226,000 | 1,847 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $42,000 | 5,444 |
| Total noninterest expense | $962,000 | 4,118 |
| Salaries and employee benefits | $534,000 | 4,097 |
| Premises and equipment expense | $172,000 | 3,386 |
| Additional noninterest expense | $256,000 | 4,398 |
| Pre-tax net operating income | $224,000 | 5,589 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $70,000 | 4,045 |
| Income before extraordinary items | $154,000 | 5,897 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $154,000 | 5,898 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 2,127 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $154,000 | 5,900 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,323,000 | 4,963 |
| Total interest expense | $1,007,000 | 6,268 |
| Net interest income | $4,316,000 | 4,396 |
| Provision for loan and lease losses | $25,000 | 6,321 |
| Total noninterest income | $1,272,000 | 3,001 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,102,000 | 1,582 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $170,000 | 5,505 |
| Total noninterest expense | $3,847,000 | 3,985 |
| Salaries and employee benefits | $2,082,000 | 4,011 |
| Premises and equipment expense | $634,000 | 3,491 |
| Additional noninterest expense | $1,131,000 | 4,040 |
| Pre-tax net operating income | $1,716,000 | 4,066 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $636,000 | 2,981 |
| Income before extraordinary items | $1,080,000 | 4,632 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,080,000 | 4,633 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $192,000 | 2,343 |
| Cash dividends | $1,550,000 | 1,786 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,080,000 | 4,592 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,800,000 | 5,077 |
| Total interest expense | $699,000 | 6,366 |
| Net interest income | $3,101,000 | 4,534 |
| Provision for loan and lease losses | $75,000 | 4,689 |
| Total noninterest income | $969,000 | 2,971 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $832,000 | 1,560 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $137,000 | 5,359 |
| Total noninterest expense | $2,901,000 | 3,931 |
| Salaries and employee benefits | $1,639,000 | 3,848 |
| Premises and equipment expense | $434,000 | 3,740 |
| Additional noninterest expense | $828,000 | 4,075 |
| Pre-tax net operating income | $1,094,000 | 4,547 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $399,000 | 3,329 |
| Income before extraordinary items | $695,000 | 5,108 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $695,000 | 5,110 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 3,490 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $695,000 | 5,063 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,481,000 | 5,080 |
| Total interest expense | $453,000 | 6,295 |
| Net interest income | $2,028,000 | 4,571 |
| Provision for loan and lease losses | $75,000 | 3,815 |
| Total noninterest income | $641,000 | 2,949 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $543,000 | 1,549 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $98,000 | 5,236 |
| Total noninterest expense | $1,984,000 | 3,831 |
| Salaries and employee benefits | $1,147,000 | 3,691 |
| Premises and equipment expense | $280,000 | 3,815 |
| Additional noninterest expense | $557,000 | 4,025 |
| Pre-tax net operating income | $610,000 | 4,977 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $221,000 | 3,620 |
| Income before extraordinary items | $389,000 | 5,510 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $389,000 | 5,513 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 2,957 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $389,000 | 5,467 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,195,000 | 5,184 |
| Total interest expense | $178,000 | 6,817 |
| Net interest income | $1,017,000 | 4,569 |
| Provision for loan and lease losses | $45,000 | 3,327 |
| Total noninterest income | $367,000 | 2,645 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $316,000 | 1,303 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $51,000 | 5,145 |
| Total noninterest expense | $959,000 | 3,967 |
| Salaries and employee benefits | $573,000 | 3,699 |
| Premises and equipment expense | $137,000 | 3,911 |
| Additional noninterest expense | $249,000 | 4,376 |
| Pre-tax net operating income | $380,000 | 4,401 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $142,000 | 3,192 |
| Income before extraordinary items | $238,000 | 4,983 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $238,000 | 4,984 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,685 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $238,000 | 4,944 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,973,000 | 4,868 |
| Total interest expense | $687,000 | 6,641 |
| Net interest income | $4,286,000 | 4,275 |
| Provision for loan and lease losses | $225,000 | 3,491 |
| Total noninterest income | $1,490,000 | 2,707 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,041,000 | 1,685 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $449,000 | 3,510 |
| Total noninterest expense | $2,289,000 | 5,571 |
| Salaries and employee benefits | $2,018,000 | 3,968 |
| Premises and equipment expense | $497,000 | 4,112 |
| Additional noninterest expense | $-226,000 | 8,985 |
| Pre-tax net operating income | $3,262,000 | 2,409 |
| Securities gains (losses) | $163,000 | 944 |
| Applicable income taxes | $1,370,000 | 1,722 |
| Income before extraordinary items | $2,055,000 | 2,841 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,055,000 | 2,843 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $161,000 | 2,926 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,950,680 | 2,922 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,719,000 | 4,852 |
| Total interest expense | $484,000 | 6,779 |
| Net interest income | $3,235,000 | 4,244 |
| Provision for loan and lease losses | $180,000 | 3,152 |
| Total noninterest income | $967,000 | 2,995 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $776,000 | 1,715 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $191,000 | 4,599 |
| Total noninterest expense | $2,653,000 | 4,105 |
| Salaries and employee benefits | $1,503,000 | 3,944 |
| Premises and equipment expense | $394,000 | 3,922 |
| Additional noninterest expense | $756,000 | 4,262 |
| Pre-tax net operating income | $1,369,000 | 3,817 |
| Securities gains (losses) | $163,000 | 883 |
| Applicable income taxes | $586,000 | 2,609 |
| Income before extraordinary items | $946,000 | 4,141 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $946,000 | 4,141 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $150,000 | 2,258 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $841,680 | 4,399 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,175,000 | 5,280 |
| Total interest expense | $312,000 | 6,891 |
| Net interest income | $1,863,000 | 4,708 |
| Provision for loan and lease losses | $105,000 | 3,376 |
| Total noninterest income | $937,000 | 2,302 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $481,000 | 1,819 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $456,000 | 2,333 |
| Total noninterest expense | $1,780,000 | 4,110 |
| Salaries and employee benefits | $1,016,000 | 3,928 |
| Premises and equipment expense | $268,000 | 3,862 |
| Additional noninterest expense | $496,000 | 4,340 |
| Pre-tax net operating income | $915,000 | 3,748 |
| Securities gains (losses) | $163,000 | 743 |
| Applicable income taxes | $411,000 | 2,512 |
| Income before extraordinary items | $667,000 | 3,969 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $667,000 | 3,970 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $151,000 | 1,669 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $562,680 | 4,333 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,099,000 | 5,269 |
| Total interest expense | $154,000 | 6,981 |
| Net interest income | $945,000 | 4,657 |
| Provision for loan and lease losses | $45,000 | 3,437 |
| Total noninterest income | $447,000 | 2,356 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $228,000 | 1,847 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $219,000 | 2,324 |
| Total noninterest expense | $883,000 | 4,152 |
| Salaries and employee benefits | $509,000 | 3,947 |
| Premises and equipment expense | $138,000 | 3,818 |
| Additional noninterest expense | $236,000 | 4,505 |
| Pre-tax net operating income | $464,000 | 3,714 |
| Securities gains (losses) | $156,000 | 608 |
| Applicable income taxes | $240,000 | 2,259 |
| Income before extraordinary items | $380,000 | 3,651 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $380,000 | 3,650 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $152,000 | 976 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $280,160 | 4,323 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,048,000 | 4,863 |
| Total interest expense | $745,000 | 6,889 |
| Net interest income | $4,303,000 | 4,139 |
| Provision for loan and lease losses | $299,000 | 3,225 |
| Total noninterest income | $1,348,000 | 3,054 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $955,000 | 1,813 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $393,000 | 4,013 |
| Total noninterest expense | $5,197,000 | 2,956 |
| Salaries and employee benefits | $2,190,000 | 3,631 |
| Premises and equipment expense | $533,000 | 3,868 |
| Additional noninterest expense | $2,474,000 | 1,947 |
| Pre-tax net operating income | $155,000 | 7,978 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $66,000 | 6,086 |
| Income before extraordinary items | $89,000 | 8,276 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $89,000 | 8,281 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $205,000 | 2,841 |
| Cash dividends | $1,250,000 | 1,991 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $89,000 | 8,167 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,856,000 | 4,844 |
| Total interest expense | $588,000 | 6,901 |
| Net interest income | $3,268,000 | 4,118 |
| Provision for loan and lease losses | $189,000 | 3,445 |
| Total noninterest income | $1,087,000 | 2,964 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $711,000 | 1,831 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $376,000 | 3,642 |
| Total noninterest expense | $2,709,000 | 3,985 |
| Salaries and employee benefits | $1,646,000 | 3,618 |
| Premises and equipment expense | $395,000 | 3,899 |
| Additional noninterest expense | $668,000 | 4,629 |
| Pre-tax net operating income | $1,457,000 | 3,576 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $585,000 | 2,720 |
| Income before extraordinary items | $872,000 | 4,377 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $872,000 | 4,377 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $144,000 | 2,669 |
| Cash dividends | $1,250,000 | 1,471 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $872,000 | 4,210 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,581,000 | 4,881 |
| Total interest expense | $415,000 | 6,880 |
| Net interest income | $2,166,000 | 4,143 |
| Provision for loan and lease losses | $127,000 | 3,371 |
| Total noninterest income | $682,000 | 3,069 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $472,000 | 1,793 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $210,000 | 3,950 |
| Total noninterest expense | $1,790,000 | 4,016 |
| Salaries and employee benefits | $1,082,000 | 3,662 |
| Premises and equipment expense | $284,000 | 3,658 |
| Additional noninterest expense | $424,000 | 4,804 |
| Pre-tax net operating income | $931,000 | 3,674 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $376,000 | 2,807 |
| Income before extraordinary items | $555,000 | 4,516 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $555,000 | 4,515 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $113,000 | 2,328 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $555,000 | 4,300 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,270,000 | 4,954 |
| Total interest expense | $217,000 | 6,851 |
| Net interest income | $1,053,000 | 4,238 |
| Provision for loan and lease losses | $60,000 | 3,248 |
| Total noninterest income | $321,000 | 3,096 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $230,000 | 1,784 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $91,000 | 4,102 |
| Total noninterest expense | $912,000 | 3,954 |
| Salaries and employee benefits | $550,000 | 3,604 |
| Premises and equipment expense | $150,000 | 3,487 |
| Additional noninterest expense | $212,000 | 4,752 |
| Pre-tax net operating income | $402,000 | 4,023 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $162,000 | 3,089 |
| Income before extraordinary items | $240,000 | 4,816 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $240,000 | 4,816 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,979 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $240,000 | 4,627 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,685,000 | 4,720 |
| Total interest expense | $1,124,000 | 6,608 |
| Net interest income | $4,561,000 | 3,947 |
| Provision for loan and lease losses | $292,000 | 3,522 |
| Total noninterest income | $1,456,000 | 2,670 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,030,000 | 1,567 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $426,000 | 3,586 |
| Total noninterest expense | $3,620,000 | 3,851 |
| Salaries and employee benefits | $2,019,000 | 3,708 |
| Premises and equipment expense | $596,000 | 3,437 |
| Additional noninterest expense | $1,005,000 | 4,162 |
| Pre-tax net operating income | $2,105,000 | 3,315 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $856,000 | 2,478 |
| Income before extraordinary items | $1,249,000 | 3,974 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,249,000 | 3,974 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $333,000 | 2,210 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,249,000 | 3,872 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,991,000 | 4,441 |
| Total interest expense | $2,446,000 | 5,466 |
| Net interest income | $4,545,000 | 3,727 |
| Provision for loan and lease losses | $120,000 | 5,188 |
| Total noninterest income | $1,228,000 | 2,888 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $942,000 | 1,584 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $286,000 | 4,222 |
| Total noninterest expense | $4,031,000 | 3,406 |
| Salaries and employee benefits | $2,055,000 | 3,521 |
| Premises and equipment expense | $680,000 | 3,026 |
| Additional noninterest expense | $1,296,000 | 3,261 |
| Pre-tax net operating income | $1,622,000 | 3,675 |
| Securities gains (losses) | $1,000 | 4,410 |
| Applicable income taxes | $785,000 | 2,464 |
| Income before extraordinary items | $838,000 | 4,763 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $838,000 | 4,765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 5,231 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $837,360 | 4,641 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,995,000 | 5,735 |
| Total interest expense | $1,847,000 | 6,515 |
| Net interest income | $3,148,000 | 4,982 |
| Provision for loan and lease losses | $90,000 | 5,514 |
| Total noninterest income | $627,000 | 4,295 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $543,000 | 2,495 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $84,000 | 6,813 |
| Total noninterest expense | $2,461,000 | 4,914 |
| Salaries and employee benefits | $1,116,000 | 5,507 |
| Premises and equipment expense | $472,000 | 3,966 |
| Additional noninterest expense | $873,000 | 4,447 |
| Pre-tax net operating income | $1,224,000 | 4,666 |
| Securities gains (losses) | $-10,000 | 8,341 |
| Applicable income taxes | $576,000 | 3,196 |
| Income before extraordinary items | $638,000 | 5,673 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $638,000 | 5,672 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 4,507 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $644,400 | 5,658 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,621,000 | 5,847 |
| Total interest expense | $1,534,000 | 6,892 |
| Net interest income | $3,087,000 | 5,038 |
| Provision for loan and lease losses | $79,000 | 5,701 |
| Total noninterest income | $643,000 | 4,230 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $533,000 | 2,487 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $110,000 | 6,406 |
| Total noninterest expense | $2,499,000 | 4,891 |
| Salaries and employee benefits | $1,507,000 | 4,320 |
| Premises and equipment expense | $500,000 | 3,767 |
| Additional noninterest expense | $492,000 | 6,569 |
| Pre-tax net operating income | $1,152,000 | 4,896 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $483,000 | 3,710 |
| Income before extraordinary items | $669,000 | 5,595 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $669,000 | 5,592 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $177,000 | 2,576 |
| Cash dividends | $175,000 | 5,438 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $669,000 | 5,558 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,076,000 | 6,430 |
| Total interest expense | $1,239,000 | 7,813 |
| Net interest income | $2,837,000 | 5,345 |
| Provision for loan and lease losses | $-190,000 | 10,371 |
| Total noninterest income | $621,000 | 4,288 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $520,000 | 2,469 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $101,000 | 6,607 |
| Total noninterest expense | $2,753,000 | 4,434 |
| Salaries and employee benefits | $1,285,000 | 4,811 |
| Premises and equipment expense | $577,000 | 3,284 |
| Additional noninterest expense | $891,000 | 4,323 |
| Pre-tax net operating income | $895,000 | 5,747 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $359,000 | 4,702 |
| Income before extraordinary items | $536,000 | 6,398 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $536,000 | 6,397 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 5,812 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $536,000 | 6,288 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,891,000 | 6,755 |
| Total interest expense | $1,115,000 | 8,366 |
| Net interest income | $2,776,000 | 5,620 |
| Provision for loan and lease losses | $287,000 | 2,723 |
| Total noninterest income | $649,000 | 4,193 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $510,000 | 2,571 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $139,000 | 5,896 |
| Total noninterest expense | $2,753,000 | 4,400 |
| Salaries and employee benefits | $1,184,000 | 5,161 |
| Premises and equipment expense | $563,000 | 3,339 |
| Additional noninterest expense | $1,006,000 | 3,882 |
| Pre-tax net operating income | $385,000 | 8,513 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $183,000 | 7,132 |
| Income before extraordinary items | $202,000 | 9,133 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $202,000 | 9,136 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $174,000 | 2,774 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $202,000 | 9,091 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,593,000 | 7,278 |
| Total interest expense | $1,162,000 | 8,490 |
| Net interest income | $2,431,000 | 6,317 |
| Provision for loan and lease losses | $810,000 | 1,192 |
| Total noninterest income | $795,000 | 3,732 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $464,000 | 2,902 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $331,000 | 3,831 |
| Total noninterest expense | $2,414,000 | 5,157 |
| Salaries and employee benefits | $990,000 | 6,036 |
| Premises and equipment expense | $536,000 | 3,571 |
| Additional noninterest expense | $888,000 | 4,810 |
| Pre-tax net operating income | $2,000 | 10,766 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $-82,000 | 11,152 |
| Income before extraordinary items | $84,000 | 10,360 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $84,000 | 10,359 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $352,000 | 1,845 |
| Cash dividends | $125,000 | 6,318 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $84,000 | 10,316 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,877,000 | 8,410 |
| Total interest expense | $941,000 | 9,458 |
| Net interest income | $1,936,000 | 7,447 |
| Provision for loan and lease losses | $70,000 | 5,409 |
| Total noninterest income | $498,000 | 5,205 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $402,000 | 3,353 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $96,000 | 7,354 |
| Total noninterest expense | $1,833,000 | 6,384 |
| Salaries and employee benefits | $858,000 | 6,772 |
| Premises and equipment expense | $372,000 | 4,814 |
| Additional noninterest expense | $603,000 | 6,520 |
| Pre-tax net operating income | $531,000 | 8,269 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $237,000 | 6,847 |
| Income before extraordinary items | $294,000 | 9,006 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $294,000 | 9,011 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,482 |
| Cash dividends | $125,000 | 6,392 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $294,000 | 8,968 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,193,000 | 9,438 |
| Total interest expense | $577,000 | 10,714 |
| Net interest income | $1,616,000 | 8,541 |
| Provision for loan and lease losses | $60,000 | 5,594 |
| Total noninterest income | $453,000 | 5,670 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $369,000 | 3,661 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $84,000 | 8,071 |
| Total noninterest expense | $1,521,000 | 7,539 |
| Salaries and employee benefits | $571,000 | 8,816 |
| Premises and equipment expense | $250,000 | 6,528 |
| Additional noninterest expense | $700,000 | 6,311 |
| Pre-tax net operating income | $488,000 | 8,741 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $202,000 | 7,307 |
| Income before extraordinary items | $286,000 | 9,293 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $286,000 | 9,302 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 10,805 |
| Cash dividends | $125,000 | 6,452 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $286,000 | 9,354 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,055,000 | 10,065 |
| Total interest expense | $573,000 | 11,303 |
| Net interest income | $1,482,000 | 9,173 |
| Provision for loan and lease losses | $75,000 | 6,449 |
| Total noninterest income | $403,000 | 6,439 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $337,000 | 4,010 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $66,000 | 9,257 |
| Total noninterest expense | $1,247,000 | 8,712 |
| Salaries and employee benefits | $555,000 | 9,172 |
| Premises and equipment expense | $122,000 | 9,724 |
| Additional noninterest expense | $570,000 | 7,596 |
| Pre-tax net operating income | $563,000 | 8,204 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $232,000 | 7,070 |
| Income before extraordinary items | $331,000 | 9,118 |
| Extraordinary gains, net | $-60,000 | 12,774 |
| Net income | $271,000 | 9,944 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 7,896 |
| Cash dividends | $75,000 | 7,397 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $331,000 | 8,861 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,936,000 | 11,027 |
| Total interest expense | $759,000 | 11,524 |
| Net interest income | $1,177,000 | 10,408 |
| Provision for loan and lease losses | $136,000 | 6,368 |
| Total noninterest income | $365,000 | 6,901 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $302,000 | 4,410 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $63,000 | 9,641 |
| Total noninterest expense | $1,138,000 | 9,336 |
| Salaries and employee benefits | $513,000 | 9,651 |
| Premises and equipment expense | $223,000 | 7,323 |
| Additional noninterest expense | $402,000 | 9,542 |
| Pre-tax net operating income | $268,000 | 10,446 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $115,000 | 9,514 |
| Income before extraordinary items | $153,000 | 11,234 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $153,000 | 11,320 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 7,780 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $153,000 | 10,894 |
* 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.