Home > Merchants & Farmers Bank > Income and Expense
Merchants & Farmers Bank, Income and Expense
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,580,000 | 5,432 |
| Total interest expense | $1,472,000 | 5,268 |
| Net interest income | $3,108,000 | 5,392 |
| Provision for loan and lease losses | $340,000 | 2,574 |
| Total noninterest income | $317,000 | 6,224 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $343,000 | 3,889 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $-26,000 | 8,811 |
| Total noninterest expense | $2,440,000 | 5,447 |
| Salaries and employee benefits | $980,000 | 6,402 |
| Premises and equipment expense | $544,000 | 3,935 |
| Additional noninterest expense | $916,000 | 4,704 |
| Pre-tax net operating income | $645,000 | 6,284 |
| Securities gains (losses) | $4,000 | 1,802 |
| Applicable income taxes | $191,000 | 4,725 |
| Income before extraordinary items | $458,000 | 6,544 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $458,000 | 6,546 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $225,000 | 2,128 |
| Cash dividends | $99,000 | 5,537 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $455,160 | 6,533 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,382,000 | 5,449 |
| Total interest expense | $990,000 | 5,464 |
| Net interest income | $2,392,000 | 5,315 |
| Provision for loan and lease losses | $25,000 | 5,986 |
| Total noninterest income | $323,000 | 5,602 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $251,000 | 3,949 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $72,000 | 6,477 |
| Total noninterest expense | $1,866,000 | 5,366 |
| Salaries and employee benefits | $781,000 | 6,205 |
| Premises and equipment expense | $373,000 | 4,178 |
| Additional noninterest expense | $712,000 | 4,574 |
| Pre-tax net operating income | $824,000 | 5,262 |
| Securities gains (losses) | $4,000 | 1,810 |
| Applicable income taxes | $240,000 | 4,147 |
| Income before extraordinary items | $588,000 | 5,495 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $588,000 | 5,498 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $213,000 | 1,611 |
| Cash dividends | $99,000 | 4,718 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $585,160 | 5,476 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,177,000 | 5,485 |
| Total interest expense | $616,000 | 5,500 |
| Net interest income | $1,561,000 | 5,367 |
| Provision for loan and lease losses | $11,000 | 6,083 |
| Total noninterest income | $230,000 | 5,432 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $170,000 | 3,858 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $60,000 | 6,128 |
| Total noninterest expense | $1,154,000 | 5,597 |
| Salaries and employee benefits | $569,000 | 5,928 |
| Premises and equipment expense | $256,000 | 4,076 |
| Additional noninterest expense | $329,000 | 5,726 |
| Pre-tax net operating income | $626,000 | 4,901 |
| Securities gains (losses) | $5,000 | 1,582 |
| Applicable income taxes | $174,000 | 4,033 |
| Income before extraordinary items | $457,000 | 5,112 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $457,000 | 5,113 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 3,897 |
| Cash dividends | $99,000 | 4,330 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $453,400 | 5,084 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,019,000 | 5,679 |
| Total interest expense | $284,000 | 5,627 |
| Net interest income | $735,000 | 5,592 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $122,000 | 5,222 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $83,000 | 3,846 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $39,000 | 5,696 |
| Total noninterest expense | $632,000 | 5,336 |
| Salaries and employee benefits | $315,000 | 5,618 |
| Premises and equipment expense | $129,000 | 4,103 |
| Additional noninterest expense | $188,000 | 5,310 |
| Pre-tax net operating income | $225,000 | 5,694 |
| Securities gains (losses) | $5,000 | 1,192 |
| Applicable income taxes | $58,000 | 4,584 |
| Income before extraordinary items | $172,000 | 5,780 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $172,000 | 5,781 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,481 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $168,250 | 5,801 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,051,000 | 5,518 |
| Total interest expense | $967,000 | 5,768 |
| Net interest income | $3,084,000 | 5,325 |
| Provision for loan and lease losses | $92,000 | 5,144 |
| Total noninterest income | $446,000 | 5,545 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $362,000 | 3,859 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $84,000 | 6,699 |
| Total noninterest expense | $2,199,000 | 5,702 |
| Salaries and employee benefits | $1,033,000 | 6,178 |
| Premises and equipment expense | $535,000 | 3,877 |
| Additional noninterest expense | $631,000 | 5,829 |
| Pre-tax net operating income | $1,239,000 | 4,721 |
| Securities gains (losses) | $2,000 | 3,489 |
| Applicable income taxes | $366,000 | 3,863 |
| Income before extraordinary items | $875,000 | 5,050 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $875,000 | 5,051 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-48,000 | 8,664 |
| Cash dividends | $198,000 | 4,916 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $873,580 | 4,986 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,012,000 | 5,545 |
| Total interest expense | $700,000 | 5,827 |
| Net interest income | $2,312,000 | 5,327 |
| Provision for loan and lease losses | $92,000 | 4,400 |
| Total noninterest income | $389,000 | 5,196 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $272,000 | 3,895 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $117,000 | 5,624 |
| Total noninterest expense | $1,693,000 | 5,590 |
| Salaries and employee benefits | $784,000 | 6,084 |
| Premises and equipment expense | $399,000 | 3,882 |
| Additional noninterest expense | $510,000 | 5,580 |
| Pre-tax net operating income | $916,000 | 4,834 |
| Securities gains (losses) | $2,000 | 3,384 |
| Applicable income taxes | $261,000 | 4,004 |
| Income before extraordinary items | $657,000 | 5,123 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $657,000 | 5,123 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-51,000 | 8,667 |
| Cash dividends | $99,000 | 4,658 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $655,560 | 5,047 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,975,000 | 5,586 |
| Total interest expense | $472,000 | 5,817 |
| Net interest income | $1,503,000 | 5,395 |
| Provision for loan and lease losses | $92,000 | 3,617 |
| Total noninterest income | $199,000 | 5,827 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $180,000 | 3,909 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $19,000 | 7,792 |
| Total noninterest expense | $1,091,000 | 5,733 |
| Salaries and employee benefits | $504,000 | 6,267 |
| Premises and equipment expense | $264,000 | 3,904 |
| Additional noninterest expense | $323,000 | 5,746 |
| Pre-tax net operating income | $519,000 | 5,209 |
| Securities gains (losses) | $2,000 | 3,048 |
| Applicable income taxes | $142,000 | 4,342 |
| Income before extraordinary items | $379,000 | 5,464 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $379,000 | 5,464 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-54,000 | 8,750 |
| Cash dividends | $99,000 | 4,246 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $377,540 | 5,376 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $962,000 | 5,695 |
| Total interest expense | $250,000 | 5,710 |
| Net interest income | $712,000 | 5,570 |
| Provision for loan and lease losses | $54,000 | 3,215 |
| Total noninterest income | $92,000 | 5,974 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $83,000 | 4,031 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $9,000 | 7,855 |
| Total noninterest expense | $549,000 | 5,731 |
| Salaries and employee benefits | $242,000 | 6,445 |
| Premises and equipment expense | $136,000 | 3,860 |
| Additional noninterest expense | $171,000 | 5,584 |
| Pre-tax net operating income | $201,000 | 5,810 |
| Securities gains (losses) | $2,000 | 2,612 |
| Applicable income taxes | $55,000 | 4,720 |
| Income before extraordinary items | $148,000 | 6,041 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $148,000 | 6,041 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-79,000 | 8,931 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $146,540 | 5,956 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,600,000 | 5,170 |
| Total interest expense | $1,115,000 | 5,804 |
| Net interest income | $3,485,000 | 4,810 |
| Provision for loan and lease losses | $671,000 | 1,680 |
| Total noninterest income | $367,000 | 6,146 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $344,000 | 4,001 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $23,000 | 8,335 |
| Total noninterest expense | $2,613,000 | 5,058 |
| Salaries and employee benefits | $1,403,000 | 5,086 |
| Premises and equipment expense | $585,000 | 3,602 |
| Additional noninterest expense | $625,000 | 5,845 |
| Pre-tax net operating income | $568,000 | 6,454 |
| Securities gains (losses) | $36,000 | 2,779 |
| Applicable income taxes | $68,000 | 6,064 |
| Income before extraordinary items | $536,000 | 6,198 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $536,000 | 6,202 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $543,000 | 1,501 |
| Cash dividends | $198,000 | 4,972 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $503,960 | 6,167 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,644,000 | 5,048 |
| Total interest expense | $860,000 | 5,862 |
| Net interest income | $2,784,000 | 4,626 |
| Provision for loan and lease losses | $506,000 | 1,650 |
| Total noninterest income | $283,000 | 6,140 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $263,000 | 3,956 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $20,000 | 8,256 |
| Total noninterest expense | $2,049,000 | 4,894 |
| Salaries and employee benefits | $1,133,000 | 4,814 |
| Premises and equipment expense | $448,000 | 3,535 |
| Additional noninterest expense | $468,000 | 5,841 |
| Pre-tax net operating income | $512,000 | 6,233 |
| Securities gains (losses) | $31,000 | 2,671 |
| Applicable income taxes | $160,000 | 4,998 |
| Income before extraordinary items | $383,000 | 6,449 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $383,000 | 6,450 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $584,000 | 1,036 |
| Cash dividends | $99,000 | 4,762 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $360,990 | 6,416 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,456,000 | 5,047 |
| Total interest expense | $537,000 | 6,175 |
| Net interest income | $1,919,000 | 4,514 |
| Provision for loan and lease losses | $300,000 | 1,769 |
| Total noninterest income | $182,000 | 6,206 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $151,000 | 4,272 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $31,000 | 7,275 |
| Total noninterest expense | $1,345,000 | 4,944 |
| Salaries and employee benefits | $746,000 | 4,858 |
| Premises and equipment expense | $295,000 | 3,546 |
| Additional noninterest expense | $304,000 | 5,943 |
| Pre-tax net operating income | $456,000 | 5,548 |
| Securities gains (losses) | $21,000 | 2,589 |
| Applicable income taxes | $138,000 | 4,635 |
| Income before extraordinary items | $339,000 | 5,812 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $339,000 | 5,811 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 3,791 |
| Cash dividends | $99,000 | 4,326 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $324,090 | 5,717 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,169,000 | 5,247 |
| Total interest expense | $273,000 | 6,222 |
| Net interest income | $896,000 | 4,721 |
| Provision for loan and lease losses | $150,000 | 1,666 |
| Total noninterest income | $94,000 | 6,054 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $80,000 | 4,080 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $14,000 | 7,447 |
| Total noninterest expense | $631,000 | 5,177 |
| Salaries and employee benefits | $353,000 | 5,047 |
| Premises and equipment expense | $140,000 | 3,695 |
| Additional noninterest expense | $138,000 | 6,218 |
| Pre-tax net operating income | $209,000 | 5,741 |
| Securities gains (losses) | $7,000 | 2,278 |
| Applicable income taxes | $63,000 | 4,744 |
| Income before extraordinary items | $153,000 | 5,963 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $153,000 | 5,962 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 2,802 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $148,030 | 5,861 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,722,000 | 5,364 |
| Total interest expense | $1,265,000 | 6,272 |
| Net interest income | $3,457,000 | 4,793 |
| Provision for loan and lease losses | $555,000 | 2,204 |
| Total noninterest income | $332,000 | 6,229 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $269,000 | 4,509 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $63,000 | 7,257 |
| Total noninterest expense | $2,422,000 | 5,187 |
| Salaries and employee benefits | $1,274,000 | 5,261 |
| Premises and equipment expense | $602,000 | 3,405 |
| Additional noninterest expense | $546,000 | 6,253 |
| Pre-tax net operating income | $812,000 | 5,737 |
| Securities gains (losses) | $22,000 | 3,078 |
| Applicable income taxes | $254,000 | 4,735 |
| Income before extraordinary items | $580,000 | 6,061 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $580,000 | 6,060 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $480,000 | 1,710 |
| Cash dividends | $198,000 | 4,934 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $564,600 | 5,968 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,952,000 | 6,391 |
| Total interest expense | $1,774,000 | 6,461 |
| Net interest income | $2,178,000 | 6,156 |
| Provision for loan and lease losses | $117,000 | 5,349 |
| Total noninterest income | $302,000 | 6,412 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $220,000 | 4,945 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $82,000 | 6,833 |
| Total noninterest expense | $1,995,000 | 5,732 |
| Salaries and employee benefits | $901,000 | 6,366 |
| Premises and equipment expense | $587,000 | 3,424 |
| Additional noninterest expense | $507,000 | 6,388 |
| Pre-tax net operating income | $368,000 | 7,121 |
| Securities gains (losses) | $29,000 | 2,852 |
| Applicable income taxes | $64,000 | 6,472 |
| Income before extraordinary items | $333,000 | 6,935 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $333,000 | 6,936 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $131,000 | 3,597 |
| Cash dividends | $227,000 | 4,815 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $308,640 | 6,965 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,333,000 | 7,075 |
| Total interest expense | $1,667,000 | 6,829 |
| Net interest income | $1,666,000 | 7,178 |
| Provision for loan and lease losses | $120,000 | 4,828 |
| Total noninterest income | $278,000 | 6,492 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $192,000 | 5,202 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $86,000 | 6,759 |
| Total noninterest expense | $1,733,000 | 6,205 |
| Salaries and employee benefits | $757,000 | 6,927 |
| Premises and equipment expense | $464,000 | 4,026 |
| Additional noninterest expense | $512,000 | 6,336 |
| Pre-tax net operating income | $91,000 | 8,829 |
| Securities gains (losses) | $-4,000 | 7,844 |
| Applicable income taxes | $-27,000 | 9,405 |
| Income before extraordinary items | $114,000 | 8,617 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $114,000 | 8,617 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $137,000 | 3,031 |
| Cash dividends | $351,000 | 4,190 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $118,000 | 8,588 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,018,000 | 7,357 |
| Total interest expense | $1,192,000 | 7,668 |
| Net interest income | $1,826,000 | 6,962 |
| Provision for loan and lease losses | $108,000 | 5,075 |
| Total noninterest income | $272,000 | 6,701 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $207,000 | 5,038 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $65,000 | 7,576 |
| Total noninterest expense | $1,388,000 | 7,072 |
| Salaries and employee benefits | $594,000 | 7,792 |
| Premises and equipment expense | $323,000 | 5,245 |
| Additional noninterest expense | $471,000 | 6,739 |
| Pre-tax net operating income | $602,000 | 6,701 |
| Securities gains (losses) | $-20,000 | 9,544 |
| Applicable income taxes | $50,000 | 7,632 |
| Income before extraordinary items | $532,000 | 6,241 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $532,000 | 6,239 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 3,651 |
| Cash dividends | $198,000 | 5,286 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $550,200 | 6,142 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,121,000 | 7,385 |
| Total interest expense | $1,256,000 | 7,778 |
| Net interest income | $1,865,000 | 6,914 |
| Provision for loan and lease losses | $120,000 | 4,610 |
| Total noninterest income | $241,000 | 7,102 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $172,000 | 5,561 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $69,000 | 7,511 |
| Total noninterest expense | $1,214,000 | 7,515 |
| Salaries and employee benefits | $572,000 | 7,912 |
| Premises and equipment expense | $263,000 | 5,784 |
| Additional noninterest expense | $379,000 | 7,394 |
| Pre-tax net operating income | $772,000 | 6,201 |
| Securities gains (losses) | $20,000 | 2,430 |
| Applicable income taxes | $200,000 | 6,190 |
| Income before extraordinary items | $592,000 | 6,096 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $592,000 | 6,096 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 4,658 |
| Cash dividends | $297,000 | 4,666 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $577,000 | 6,063 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,143,000 | 7,582 |
| Total interest expense | $1,342,000 | 7,741 |
| Net interest income | $1,801,000 | 7,318 |
| Provision for loan and lease losses | $125,000 | 4,524 |
| Total noninterest income | $257,000 | 7,135 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $174,000 | 5,757 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $83,000 | 7,280 |
| Total noninterest expense | $1,166,000 | 7,792 |
| Salaries and employee benefits | $587,000 | 8,003 |
| Premises and equipment expense | $245,000 | 6,130 |
| Additional noninterest expense | $334,000 | 7,966 |
| Pre-tax net operating income | $767,000 | 6,693 |
| Securities gains (losses) | $-31,000 | 10,527 |
| Applicable income taxes | $146,000 | 7,669 |
| Income before extraordinary items | $590,000 | 6,428 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $590,000 | 6,431 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $99,000 | 3,853 |
| Cash dividends | $198,000 | 5,456 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $614,800 | 6,223 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,096,000 | 7,885 |
| Total interest expense | $1,334,000 | 8,006 |
| Net interest income | $1,762,000 | 7,641 |
| Provision for loan and lease losses | $120,000 | 4,568 |
| Total noninterest income | $236,000 | 7,774 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $162,000 | 6,245 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $74,000 | 7,943 |
| Total noninterest expense | $1,151,000 | 8,150 |
| Salaries and employee benefits | $588,000 | 8,216 |
| Premises and equipment expense | $205,000 | 6,938 |
| Additional noninterest expense | $358,000 | 8,287 |
| Pre-tax net operating income | $727,000 | 6,807 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $116,000 | 8,455 |
| Income before extraordinary items | $611,000 | 6,208 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $611,000 | 6,211 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $139,000 | 3,313 |
| Cash dividends | $197,000 | 5,531 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $611,000 | 6,148 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,090,000 | 8,070 |
| Total interest expense | $1,351,000 | 8,116 |
| Net interest income | $1,739,000 | 7,918 |
| Provision for loan and lease losses | $133,000 | 3,890 |
| Total noninterest income | $267,000 | 7,483 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $166,000 | 6,334 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $101,000 | 7,205 |
| Total noninterest expense | $1,064,000 | 8,705 |
| Salaries and employee benefits | $552,000 | 8,711 |
| Premises and equipment expense | $186,000 | 7,481 |
| Additional noninterest expense | $326,000 | 8,964 |
| Pre-tax net operating income | $809,000 | 6,797 |
| Securities gains (losses) | $-11,000 | 10,162 |
| Applicable income taxes | $198,000 | 7,450 |
| Income before extraordinary items | $600,000 | 6,613 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $600,000 | 6,611 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $144,000 | 3,053 |
| Cash dividends | $195,000 | 5,612 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $608,250 | 6,550 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,644,000 | 8,659 |
| Total interest expense | $948,000 | 8,916 |
| Net interest income | $1,696,000 | 8,322 |
| Provision for loan and lease losses | $42,000 | 6,508 |
| Total noninterest income | $262,000 | 7,781 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $168,000 | 6,486 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $94,000 | 7,705 |
| Total noninterest expense | $1,144,000 | 8,829 |
| Salaries and employee benefits | $575,000 | 8,793 |
| Premises and equipment expense | $206,000 | 7,296 |
| Additional noninterest expense | $363,000 | 9,199 |
| Pre-tax net operating income | $772,000 | 7,025 |
| Securities gains (losses) | $-6,000 | 9,509 |
| Applicable income taxes | $206,000 | 7,245 |
| Income before extraordinary items | $560,000 | 6,832 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $560,000 | 6,846 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 5,574 |
| Cash dividends | $255,000 | 4,852 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $564,380 | 6,853 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,680,000 | 8,857 |
| Total interest expense | $871,000 | 9,687 |
| Net interest income | $1,809,000 | 8,226 |
| Provision for loan and lease losses | $14,000 | 9,467 |
| Total noninterest income | $273,000 | 8,022 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $174,000 | 6,494 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $99,000 | 7,899 |
| Total noninterest expense | $1,143,000 | 9,140 |
| Salaries and employee benefits | $551,000 | 9,206 |
| Premises and equipment expense | $219,000 | 7,307 |
| Additional noninterest expense | $373,000 | 9,561 |
| Pre-tax net operating income | $925,000 | 6,226 |
| Securities gains (losses) | $33,000 | 3,976 |
| Applicable income taxes | $210,000 | 7,434 |
| Income before extraordinary items | $748,000 | 5,834 |
| Extraordinary gains, net | $27,000 | 2,545 |
| Net income | $775,000 | 5,837 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 5,678 |
| Cash dividends | $690,000 | 2,412 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $722,260 | 5,715 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,870,000 | 9,208 |
| Total interest expense | $1,085,000 | 10,035 |
| Net interest income | $1,785,000 | 8,390 |
| Provision for loan and lease losses | $164,000 | 5,851 |
| Total noninterest income | $263,000 | 8,288 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $134,000 | 7,552 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $129,000 | 7,194 |
| Total noninterest expense | $1,081,000 | 9,605 |
| Salaries and employee benefits | $518,000 | 9,599 |
| Premises and equipment expense | $220,000 | 7,396 |
| Additional noninterest expense | $343,000 | 10,286 |
| Pre-tax net operating income | $803,000 | 6,548 |
| Securities gains (losses) | $55,000 | 3,959 |
| Applicable income taxes | $175,000 | 8,076 |
| Income before extraordinary items | $683,000 | 6,024 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $683,000 | 6,098 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $164,000 | 4,683 |
| Cash dividends | $195,000 | 5,183 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $639,000 | 5,959 |
* 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.