Home > Merchants Bank > Income and Expense

Merchants Bank, Income and Expense

2009-03-31 (YTD Data)		Rank
Total interest income	$1,257,000	5,263
Total interest expense	$380,000	5,493
Net interest income	$877,000	4,952
Provision for loan and lease losses	$108,000	3,766
Total noninterest income	$490,000	2,175
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$90,000	3,462
Trading account gains and fees	$0	171
Additional Noninterest Income	$400,000	1,619
Total noninterest expense	$907,000	4,592
Salaries and employee benefits	$557,000	4,122
Premises and equipment expense	$108,000	4,900
Additional noninterest expense	$242,000	5,036
Pre-tax net operating income	$352,000	3,060
Securities gains (losses)	$20,000	1,683
Applicable income taxes	$142,000	1,798
Income before extraordinary items	$230,000	3,618
Extraordinary gains, net	$0	15
Net income	$230,000	3,618
Minority interest net income	$0	102
Net income of bank and minority interests.	$230,000	3,619
Net charge-offs	$76,000	3,153
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$217,200	3,579
2008-12-31 (YTD Data)		Rank
Total interest income	$4,890,000	5,522
Total interest expense	$1,417,000	6,090
Net interest income	$3,473,000	5,003
Provision for loan and lease losses	$215,000	5,122
Total noninterest income	$1,169,000	3,094
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$376,000	3,580
Trading account gains and fees	$0	154
Additional Noninterest Income	$793,000	2,465
Total noninterest expense	$3,304,000	4,820
Salaries and employee benefits	$2,003,000	4,446
Premises and equipment expense	$383,000	5,205
Additional noninterest expense	$918,000	5,091
Pre-tax net operating income	$1,123,000	3,551
Securities gains (losses)	$34,000	1,848
Applicable income taxes	$424,000	2,011
Income before extraordinary items	$733,000	3,873
Extraordinary gains, net	$0	39
Net income	$733,000	3,872
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$83,000	5,185
Cash dividends	$1,500,000	1,715
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$711,240	4,052
2008-09-30 (YTD Data)		Rank
Total interest income	$3,688,000	5,582
Total interest expense	$1,062,000	6,206
Net interest income	$2,626,000	5,017
Provision for loan and lease losses	$155,000	4,581
Total noninterest income	$911,000	3,083
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$281,000	3,611
Trading account gains and fees	$0	148
Additional Noninterest Income	$630,000	2,466
Total noninterest expense	$2,571,000	4,692
Salaries and employee benefits	$1,567,000	4,334
Premises and equipment expense	$301,000	5,101
Additional noninterest expense	$703,000	4,939
Pre-tax net operating income	$811,000	4,083
Securities gains (losses)	$9,000	2,413
Applicable income taxes	$296,000	2,473
Income before extraordinary items	$524,000	4,359
Extraordinary gains, net	$0	31
Net income	$524,000	4,357
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$63,000	4,447
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$518,240	4,521
2008-06-30 (YTD Data)		Rank
Total interest income	$2,472,000	5,638
Total interest expense	$735,000	6,262
Net interest income	$1,737,000	5,036
Provision for loan and lease losses	$119,000	4,056
Total noninterest income	$624,000	3,058
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$181,000	3,680
Trading account gains and fees	$0	149
Additional Noninterest Income	$443,000	2,430
Total noninterest expense	$1,718,000	4,710
Salaries and employee benefits	$1,043,000	4,381
Premises and equipment expense	$206,000	5,061
Additional noninterest expense	$469,000	4,935
Pre-tax net operating income	$524,000	4,295
Securities gains (losses)	$4,000	2,798
Applicable income taxes	$190,000	2,752
Income before extraordinary items	$338,000	4,804
Extraordinary gains, net	$0	21
Net income	$338,000	4,806
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$64,000	3,549
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$335,440	4,753
2008-03-31 (YTD Data)		Rank
Total interest income	$906,000	6,446
Total interest expense	$244,000	7,179
Net interest income	$662,000	5,840
Provision for loan and lease losses	$9,000	5,509
Total noninterest income	$232,000	3,683
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$69,000	4,175
Trading account gains and fees	$0	158
Additional Noninterest Income	$163,000	2,901
Total noninterest expense	$533,000	6,137
Salaries and employee benefits	$347,000	5,658
Premises and equipment expense	$42,000	7,084
Additional noninterest expense	$144,000	6,284
Pre-tax net operating income	$352,000	3,808
Securities gains (losses)	$0	2,688
Applicable income taxes	$135,000	2,445
Income before extraordinary items	$217,000	4,496
Extraordinary gains, net	$0	15
Net income	$217,000	4,498
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	4,623
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$217,000	4,387
2007-12-31 (YTD Data)		Rank
Total interest income	$3,766,000	6,357
Total interest expense	$1,224,000	6,833
Net interest income	$2,542,000	5,927
Provision for loan and lease losses	$25,000	6,187
Total noninterest income	$655,000	4,446
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$271,000	4,298
Trading account gains and fees	$0	178
Additional Noninterest Income	$384,000	3,807
Total noninterest expense	$1,893,000	6,351
Salaries and employee benefits	$1,189,000	6,009
Premises and equipment expense	$140,000	7,332
Additional noninterest expense	$564,000	6,296
Pre-tax net operating income	$1,279,000	4,229
Securities gains (losses)	$72,000	689
Applicable income taxes	$515,000	2,700
Income before extraordinary items	$836,000	4,688
Extraordinary gains, net	$0	39
Net income	$836,000	4,689
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	5,831
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$789,920	4,797
2007-09-30 (YTD Data)		Rank
Total interest income	$2,785,000	6,424
Total interest expense	$925,000	6,830
Net interest income	$1,860,000	6,029
Provision for loan and lease losses	$16,000	5,978
Total noninterest income	$459,000	4,607
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$206,000	4,278
Trading account gains and fees	$0	184
Additional Noninterest Income	$253,000	4,075
Total noninterest expense	$1,399,000	6,374
Salaries and employee benefits	$877,000	6,049
Premises and equipment expense	$114,000	7,223
Additional noninterest expense	$408,000	6,343
Pre-tax net operating income	$904,000	4,585
Securities gains (losses)	$72,000	559
Applicable income taxes	$376,000	2,887
Income before extraordinary items	$600,000	5,001
Extraordinary gains, net	$0	33
Net income	$600,000	5,001
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-6,000	7,701
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$553,920	5,166
2007-06-30 (YTD Data)		Rank
Total interest income	$1,847,000	6,473
Total interest expense	$615,000	6,860
Net interest income	$1,232,000	6,087
Provision for loan and lease losses	$0	6,209
Total noninterest income	$300,000	4,664
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$131,000	4,384
Trading account gains and fees	$0	168
Additional Noninterest Income	$169,000	4,107
Total noninterest expense	$921,000	6,444
Salaries and employee benefits	$574,000	6,148
Premises and equipment expense	$78,000	7,202
Additional noninterest expense	$269,000	6,404
Pre-tax net operating income	$611,000	4,612
Securities gains (losses)	$72,000	473
Applicable income taxes	$265,000	2,888
Income before extraordinary items	$418,000	4,968
Extraordinary gains, net	$0	29
Net income	$418,000	4,968
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	7,195
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$371,920	5,220
2007-03-31 (YTD Data)		Rank
Total interest income	$896,000	6,567
Total interest expense	$302,000	6,910
Net interest income	$594,000	6,181
Provision for loan and lease losses	$0	5,779
Total noninterest income	$152,000	4,613
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$63,000	4,424
Trading account gains and fees	$0	195
Additional Noninterest Income	$89,000	3,989
Total noninterest expense	$455,000	6,524
Salaries and employee benefits	$282,000	6,238
Premises and equipment expense	$44,000	7,021
Additional noninterest expense	$129,000	6,505
Pre-tax net operating income	$291,000	4,719
Securities gains (losses)	$0	1,187
Applicable income taxes	$113,000	3,106
Income before extraordinary items	$178,000	5,309
Extraordinary gains, net	$0	22
Net income	$178,000	5,309
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	6,566
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$178,000	5,289
2006-12-31 (YTD Data)		Rank
Total interest income	$3,259,000	6,586
Total interest expense	$850,000	7,228
Net interest income	$2,409,000	6,124
Provision for loan and lease losses	$-13,000	8,326
Total noninterest income	$598,000	4,737
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$305,000	4,104
Trading account gains and fees	$0	130
Additional Noninterest Income	$293,000	4,343
Total noninterest expense	$1,801,000	6,440
Salaries and employee benefits	$1,168,000	5,998
Premises and equipment expense	$138,000	7,408
Additional noninterest expense	$495,000	6,559
Pre-tax net operating income	$1,219,000	4,753
Securities gains (losses)	$0	1,687
Applicable income taxes	$465,000	3,241
Income before extraordinary items	$754,000	5,343
Extraordinary gains, net	$0	51
Net income	$754,000	5,345
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	5,595
Cash dividends	$1,500,000	1,921
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$754,000	5,335
2006-09-30 (YTD Data)		Rank
Total interest income	$2,388,000	6,675
Total interest expense	$590,000	7,338
Net interest income	$1,798,000	6,194
Provision for loan and lease losses	$-13,000	8,477
Total noninterest income	$449,000	4,760
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$239,000	4,023
Trading account gains and fees	$0	126
Additional Noninterest Income	$210,000	4,435
Total noninterest expense	$1,362,000	6,419
Salaries and employee benefits	$874,000	5,977
Premises and equipment expense	$109,000	7,320
Additional noninterest expense	$379,000	6,517
Pre-tax net operating income	$898,000	4,972
Securities gains (losses)	$0	1,388
Applicable income taxes	$337,000	3,428
Income before extraordinary items	$561,000	5,526
Extraordinary gains, net	$0	45
Net income	$561,000	5,527
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	7,425
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$561,000	5,527
2006-06-30 (YTD Data)		Rank
Total interest income	$1,545,000	6,730
Total interest expense	$370,000	7,396
Net interest income	$1,175,000	6,280
Provision for loan and lease losses	$-13,000	8,513
Total noninterest income	$295,000	4,791
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$151,000	4,126
Trading account gains and fees	$0	126
Additional Noninterest Income	$144,000	4,379
Total noninterest expense	$910,000	6,432
Salaries and employee benefits	$578,000	6,023
Premises and equipment expense	$75,000	7,303
Additional noninterest expense	$257,000	6,501
Pre-tax net operating income	$573,000	5,106
Securities gains (losses)	$0	1,185
Applicable income taxes	$214,000	3,527
Income before extraordinary items	$359,000	5,628
Extraordinary gains, net	$0	39
Net income	$359,000	5,629
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-15,000	7,977
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$359,000	5,626
2006-03-31 (YTD Data)		Rank
Total interest income	$752,000	6,778
Total interest expense	$190,000	7,320
Net interest income	$562,000	6,394
Provision for loan and lease losses	$-13,000	8,555
Total noninterest income	$137,000	4,883
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$73,000	4,136
Trading account gains and fees	$0	115
Additional Noninterest Income	$64,000	4,593
Total noninterest expense	$462,000	6,397
Salaries and employee benefits	$289,000	6,047
Premises and equipment expense	$41,000	7,158
Additional noninterest expense	$132,000	6,413
Pre-tax net operating income	$250,000	5,373
Securities gains (losses)	$0	955
Applicable income taxes	$94,000	3,673
Income before extraordinary items	$156,000	5,871
Extraordinary gains, net	$0	21
Net income	$156,000	5,872
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-15,000	8,032
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$156,000	5,873
2005-12-31 (YTD Data)		Rank
Total interest income	$3,042,000	6,555
Total interest expense	$553,000	7,470
Net interest income	$2,489,000	6,058
Provision for loan and lease losses	$25,000	6,321
Total noninterest income	$647,000	4,599
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$320,000	4,035
Trading account gains and fees	$0	138
Additional Noninterest Income	$327,000	4,153
Total noninterest expense	$1,850,000	6,349
Salaries and employee benefits	$1,155,000	5,905
Premises and equipment expense	$149,000	7,291
Additional noninterest expense	$546,000	6,316
Pre-tax net operating income	$1,261,000	4,800
Securities gains (losses)	$0	2,296
Applicable income taxes	$480,000	3,434
Income before extraordinary items	$781,000	5,397
Extraordinary gains, net	$0	46
Net income	$781,000	5,401
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	5,898
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$781,000	5,377
2005-09-30 (YTD Data)		Rank
Total interest income	$2,221,000	6,619
Total interest expense	$381,000	7,555
Net interest income	$1,840,000	6,127
Provision for loan and lease losses	$25,000	5,986
Total noninterest income	$498,000	4,553
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$242,000	4,046
Trading account gains and fees	$0	126
Additional Noninterest Income	$256,000	4,084
Total noninterest expense	$1,333,000	6,439
Salaries and employee benefits	$821,000	6,042
Premises and equipment expense	$117,000	7,213
Additional noninterest expense	$395,000	6,393
Pre-tax net operating income	$980,000	4,818
Securities gains (losses)	$0	2,317
Applicable income taxes	$369,000	3,450
Income before extraordinary items	$611,000	5,401
Extraordinary gains, net	$0	35
Net income	$611,000	5,404
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-13,000	8,023
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$611,000	5,369
2005-06-30 (YTD Data)		Rank
Total interest income	$1,434,000	6,660
Total interest expense	$234,000	7,627
Net interest income	$1,200,000	6,183
Provision for loan and lease losses	$25,000	5,445
Total noninterest income	$335,000	4,489
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$159,000	4,016
Trading account gains and fees	$0	116
Additional Noninterest Income	$176,000	3,988
Total noninterest expense	$889,000	6,429
Salaries and employee benefits	$565,000	5,942
Premises and equipment expense	$82,000	7,100
Additional noninterest expense	$242,000	6,632
Pre-tax net operating income	$621,000	4,924
Securities gains (losses)	$0	2,146
Applicable income taxes	$232,000	3,535
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	$-21,000	8,165
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	$708,000	6,721
Total interest expense	$111,000	7,695
Net interest income	$597,000	6,241
Provision for loan and lease losses	$15,000	4,875
Total noninterest income	$179,000	4,262
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$75,000	4,075
Trading account gains and fees	$0	115
Additional Noninterest Income	$104,000	3,652
Total noninterest expense	$447,000	6,455
Salaries and employee benefits	$285,000	5,952
Premises and equipment expense	$45,000	6,980
Additional noninterest expense	$117,000	6,743
Pre-tax net operating income	$314,000	4,880
Securities gains (losses)	$0	1,685
Applicable income taxes	$118,000	3,499
Income before extraordinary items	$196,000	5,468
Extraordinary gains, net	$0	24
Net income	$196,000	5,469
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-34,000	8,526
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$196,000	5,434
2004-12-31 (YTD Data)		Rank
Total interest income	$2,726,000	6,683
Total interest expense	$338,000	7,927
Net interest income	$2,388,000	6,146
Provision for loan and lease losses	$51,000	5,892
Total noninterest income	$579,000	4,902
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$294,000	4,362
Trading account gains and fees	$0	138
Additional Noninterest Income	$285,000	4,361
Total noninterest expense	$1,727,000	6,492
Salaries and employee benefits	$1,046,000	6,135
Premises and equipment expense	$176,000	7,018
Additional noninterest expense	$505,000	6,503
Pre-tax net operating income	$1,189,000	4,822
Securities gains (losses)	$97,000	1,266
Applicable income taxes	$502,000	3,346
Income before extraordinary items	$784,000	5,304
Extraordinary gains, net	$0	34
Net income	$784,000	5,306
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	5,894
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$721,920	5,429
2004-09-30 (YTD Data)		Rank
Total interest income	$2,008,000	6,744
Total interest expense	$243,000	8,020
Net interest income	$1,765,000	6,188
Provision for loan and lease losses	$9,000	6,765
Total noninterest income	$423,000	5,001
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$225,000	4,347
Trading account gains and fees	$0	134
Additional Noninterest Income	$198,000	4,522
Total noninterest expense	$1,260,000	6,528
Salaries and employee benefits	$744,000	6,271
Premises and equipment expense	$141,000	6,871
Additional noninterest expense	$375,000	6,507
Pre-tax net operating income	$919,000	4,824
Securities gains (losses)	$97,000	1,194
Applicable income taxes	$385,000	3,374
Income before extraordinary items	$631,000	5,231
Extraordinary gains, net	$0	26
Net income	$631,000	5,230
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	5,357
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$568,920	5,435
2004-06-30 (YTD Data)		Rank
Total interest income	$1,241,000	6,955
Total interest expense	$162,000	8,085
Net interest income	$1,079,000	6,460
Provision for loan and lease losses	$6,000	6,548
Total noninterest income	$366,000	4,324
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$137,000	4,559
Trading account gains and fees	$0	130
Additional Noninterest Income	$229,000	3,476
Total noninterest expense	$859,000	6,518
Salaries and employee benefits	$504,000	6,267
Premises and equipment expense	$97,000	6,845
Additional noninterest expense	$258,000	6,439
Pre-tax net operating income	$580,000	4,904
Securities gains (losses)	$98,000	1,040
Applicable income taxes	$258,000	3,336
Income before extraordinary items	$420,000	5,201
Extraordinary gains, net	$0	21
Net income	$420,000	5,201
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	4,807
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$357,280	5,531
2004-03-31 (YTD Data)		Rank
Total interest income	$611,000	7,023
Total interest expense	$83,000	8,121
Net interest income	$528,000	6,540
Provision for loan and lease losses	$3,000	6,219
Total noninterest income	$141,000	4,934
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$64,000	4,635
Trading account gains and fees	$0	121
Additional Noninterest Income	$77,000	4,245
Total noninterest expense	$435,000	6,510
Salaries and employee benefits	$255,000	6,265
Premises and equipment expense	$53,000	6,646
Additional noninterest expense	$127,000	6,499
Pre-tax net operating income	$231,000	5,474
Securities gains (losses)	$97,000	819
Applicable income taxes	$125,000	3,416
Income before extraordinary items	$203,000	5,305
Extraordinary gains, net	$0	16
Net income	$203,000	5,304
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	6,968
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$140,920	6,052
2003-12-31 (YTD Data)		Rank
Total interest income	$678,000	8,836
Total interest expense	$88,000	8,981
Net interest income	$590,000	8,706
Provision for loan and lease losses	$110,000	5,170
Total noninterest income	$144,000	7,876
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$65,000	7,186
Trading account gains and fees	$0	160
Additional Noninterest Income	$79,000	6,902
Total noninterest expense	$473,000	8,872
Salaries and employee benefits	$293,000	8,783
Premises and equipment expense	$35,000	8,959
Additional noninterest expense	$145,000	8,782
Pre-tax net operating income	$151,000	7,997
Securities gains (losses)	$0	4,500
Applicable income taxes	$62,000	6,135
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	$126,000	3,667
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$89,000	8,167

* 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.