Home > Old Farmers & Merchants State Bank > Income and Expense
Old Farmers & Merchants State Bank, Income and Expense
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,097,000 | 7,446 |
| Total interest expense | $452,000 | 7,067 |
| Net interest income | $645,000 | 7,574 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $91,000 | 7,133 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $50,000 | 6,246 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $41,000 | 6,674 |
| Total noninterest expense | $567,000 | 7,541 |
| Salaries and employee benefits | $304,000 | 7,601 |
| Premises and equipment expense | $80,000 | 7,182 |
| Additional noninterest expense | $183,000 | 7,256 |
| Pre-tax net operating income | $169,000 | 7,277 |
| Securities gains (losses) | $-6,000 | 7,728 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $163,000 | 7,054 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $163,000 | 7,056 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,958 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $169,000 | 7,015 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $538,000 | 7,471 |
| Total interest expense | $212,000 | 7,122 |
| Net interest income | $326,000 | 7,577 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $40,000 | 7,310 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $21,000 | 6,441 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $19,000 | 6,791 |
| Total noninterest expense | $282,000 | 7,563 |
| Salaries and employee benefits | $152,000 | 7,606 |
| Premises and equipment expense | $43,000 | 7,055 |
| Additional noninterest expense | $87,000 | 7,359 |
| Pre-tax net operating income | $84,000 | 7,259 |
| Securities gains (losses) | $-6,000 | 8,127 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $78,000 | 7,071 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $78,000 | 7,071 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $84,000 | 6,992 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $907,000 | 8,409 |
| Total interest expense | $321,000 | 8,138 |
| Net interest income | $586,000 | 8,462 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $61,000 | 8,342 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $46,000 | 7,142 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $15,000 | 8,273 |
| Total noninterest expense | $475,000 | 8,588 |
| Salaries and employee benefits | $261,000 | 8,575 |
| Premises and equipment expense | $70,000 | 8,226 |
| Additional noninterest expense | $144,000 | 8,519 |
| Pre-tax net operating income | $172,000 | 7,774 |
| Securities gains (losses) | $-19,000 | 7,795 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $153,000 | 7,779 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $153,000 | 7,779 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 8,159 |
| Cash dividends | $108,000 | 5,435 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $172,000 | 7,666 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $357,000 | 8,704 |
| Total interest expense | $120,000 | 8,553 |
| Net interest income | $237,000 | 8,723 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $27,000 | 8,565 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $20,000 | 7,448 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $7,000 | 8,472 |
| Total noninterest expense | $193,000 | 8,791 |
| Salaries and employee benefits | $100,000 | 8,786 |
| Premises and equipment expense | $28,000 | 8,609 |
| Additional noninterest expense | $65,000 | 8,742 |
| Pre-tax net operating income | $71,000 | 8,114 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $71,000 | 8,098 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $71,000 | 8,097 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-22,000 | 8,204 |
| Cash dividends | $108,000 | 4,619 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $71,000 | 8,066 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,016,000 | 7,421 |
| Total interest expense | $317,000 | 7,078 |
| Net interest income | $699,000 | 7,478 |
| Provision for loan and lease losses | $-10,000 | 8,628 |
| Total noninterest income | $70,000 | 7,611 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $53,000 | 6,222 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $17,000 | 7,791 |
| Total noninterest expense | $517,000 | 7,676 |
| Salaries and employee benefits | $293,000 | 7,651 |
| Premises and equipment expense | $87,000 | 6,993 |
| Additional noninterest expense | $137,000 | 7,781 |
| Pre-tax net operating income | $262,000 | 6,821 |
| Securities gains (losses) | $1,000 | 1,973 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $263,000 | 6,405 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $263,000 | 6,407 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 8,070 |
| Cash dividends | $96,000 | 4,346 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $262,000 | 6,363 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $503,000 | 7,474 |
| Total interest expense | $153,000 | 7,122 |
| Net interest income | $350,000 | 7,530 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $33,000 | 7,681 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $24,000 | 6,339 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $9,000 | 7,829 |
| Total noninterest expense | $255,000 | 7,766 |
| Salaries and employee benefits | $148,000 | 7,695 |
| Premises and equipment expense | $42,000 | 7,127 |
| Additional noninterest expense | $65,000 | 7,918 |
| Pre-tax net operating income | $128,000 | 6,853 |
| Securities gains (losses) | $1,000 | 1,514 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $129,000 | 6,415 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $129,000 | 6,415 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 8,116 |
| Cash dividends | $30,000 | 3,623 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $128,000 | 6,391 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,887,000 | 7,501 |
| Total interest expense | $506,000 | 7,282 |
| Net interest income | $1,381,000 | 7,480 |
| Provision for loan and lease losses | $15,000 | 6,861 |
| Total noninterest income | $146,000 | 7,646 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $104,000 | 6,411 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $42,000 | 7,616 |
| Total noninterest expense | $1,016,000 | 7,784 |
| Salaries and employee benefits | $585,000 | 7,717 |
| Premises and equipment expense | $169,000 | 7,119 |
| Additional noninterest expense | $262,000 | 7,917 |
| Pre-tax net operating income | $496,000 | 6,721 |
| Securities gains (losses) | $19,000 | 2,428 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $515,000 | 6,299 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $515,000 | 6,303 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,177 |
| Cash dividends | $206,000 | 4,823 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $496,000 | 6,302 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,378,000 | 7,582 |
| Total interest expense | $370,000 | 7,349 |
| Net interest income | $1,008,000 | 7,565 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $112,000 | 7,646 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $78,000 | 6,466 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $34,000 | 7,563 |
| Total noninterest expense | $747,000 | 7,794 |
| Salaries and employee benefits | $427,000 | 7,722 |
| Premises and equipment expense | $128,000 | 7,075 |
| Additional noninterest expense | $192,000 | 7,961 |
| Pre-tax net operating income | $373,000 | 6,864 |
| Securities gains (losses) | $10,000 | 2,712 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $383,000 | 6,427 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $383,000 | 6,427 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 4,844 |
| Cash dividends | $136,000 | 4,386 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $373,000 | 6,394 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $901,000 | 7,663 |
| Total interest expense | $244,000 | 7,429 |
| Net interest income | $657,000 | 7,638 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $79,000 | 7,621 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $53,000 | 6,439 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $26,000 | 7,425 |
| Total noninterest expense | $496,000 | 7,846 |
| Salaries and employee benefits | $285,000 | 7,778 |
| Premises and equipment expense | $86,000 | 7,074 |
| Additional noninterest expense | $125,000 | 8,029 |
| Pre-tax net operating income | $240,000 | 6,900 |
| Securities gains (losses) | $10,000 | 2,414 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $250,000 | 6,446 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $250,000 | 6,446 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,450 |
| Cash dividends | $106,000 | 4,127 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $240,000 | 6,455 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $449,000 | 7,715 |
| Total interest expense | $122,000 | 7,488 |
| Net interest income | $327,000 | 7,676 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $40,000 | 7,603 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $26,000 | 6,426 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $14,000 | 7,349 |
| Total noninterest expense | $247,000 | 7,902 |
| Salaries and employee benefits | $143,000 | 7,805 |
| Premises and equipment expense | $44,000 | 7,051 |
| Additional noninterest expense | $60,000 | 8,152 |
| Pre-tax net operating income | $120,000 | 6,855 |
| Securities gains (losses) | $11,000 | 2,005 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $131,000 | 6,322 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $131,000 | 6,321 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,405 |
| Cash dividends | $50,000 | 3,361 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $120,000 | 6,399 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,861,000 | 7,697 |
| Total interest expense | $576,000 | 7,471 |
| Net interest income | $1,285,000 | 7,683 |
| Provision for loan and lease losses | $70,000 | 5,822 |
| Total noninterest income | $167,000 | 7,639 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $116,000 | 6,326 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $51,000 | 7,539 |
| Total noninterest expense | $938,000 | 8,013 |
| Salaries and employee benefits | $564,000 | 7,847 |
| Premises and equipment expense | $136,000 | 7,587 |
| Additional noninterest expense | $238,000 | 8,167 |
| Pre-tax net operating income | $444,000 | 6,860 |
| Securities gains (losses) | $17,000 | 3,315 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $461,000 | 6,513 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $461,000 | 6,517 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 4,825 |
| Cash dividends | $347,000 | 4,175 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $444,000 | 6,432 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,403,000 | 7,786 |
| Total interest expense | $447,000 | 7,547 |
| Net interest income | $956,000 | 7,755 |
| Provision for loan and lease losses | $40,000 | 6,097 |
| Total noninterest income | $129,000 | 7,643 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $90,000 | 6,311 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $39,000 | 7,544 |
| Total noninterest expense | $704,000 | 8,007 |
| Salaries and employee benefits | $424,000 | 7,803 |
| Premises and equipment expense | $102,000 | 7,588 |
| Additional noninterest expense | $178,000 | 8,200 |
| Pre-tax net operating income | $341,000 | 6,990 |
| Securities gains (losses) | $17,000 | 3,051 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $358,000 | 6,611 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $358,000 | 6,612 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $237,000 | 3,828 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $341,000 | 6,527 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $939,000 | 7,828 |
| Total interest expense | $314,000 | 7,554 |
| Net interest income | $625,000 | 7,814 |
| Provision for loan and lease losses | $30,000 | 5,740 |
| Total noninterest income | $86,000 | 7,659 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $60,000 | 6,305 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $26,000 | 7,515 |
| Total noninterest expense | $470,000 | 8,028 |
| Salaries and employee benefits | $285,000 | 7,816 |
| Premises and equipment expense | $67,000 | 7,633 |
| Additional noninterest expense | $118,000 | 8,195 |
| Pre-tax net operating income | $211,000 | 7,120 |
| Securities gains (losses) | $15,000 | 2,750 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $226,000 | 6,734 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $226,000 | 6,738 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-56,000 | 9,014 |
| Cash dividends | $207,000 | 3,413 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $211,000 | 6,673 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $473,000 | 7,869 |
| Total interest expense | $160,000 | 7,622 |
| Net interest income | $313,000 | 7,840 |
| Provision for loan and lease losses | $30,000 | 4,429 |
| Total noninterest income | $43,000 | 7,632 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $29,000 | 6,311 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $14,000 | 7,447 |
| Total noninterest expense | $235,000 | 8,062 |
| Salaries and employee benefits | $145,000 | 7,801 |
| Premises and equipment expense | $32,000 | 7,760 |
| Additional noninterest expense | $58,000 | 8,275 |
| Pre-tax net operating income | $91,000 | 7,328 |
| Securities gains (losses) | $3,000 | 2,514 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $94,000 | 7,010 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $94,000 | 7,012 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,250 |
| Cash dividends | $100,000 | 2,874 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $91,000 | 6,913 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,047,000 | 7,812 |
| Total interest expense | $790,000 | 7,546 |
| Net interest income | $1,257,000 | 7,825 |
| Provision for loan and lease losses | $105,000 | 5,629 |
| Total noninterest income | $173,000 | 7,581 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $124,000 | 6,185 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $49,000 | 7,624 |
| Total noninterest expense | $907,000 | 8,139 |
| Salaries and employee benefits | $561,000 | 7,884 |
| Premises and equipment expense | $134,000 | 7,665 |
| Additional noninterest expense | $212,000 | 8,472 |
| Pre-tax net operating income | $418,000 | 7,083 |
| Securities gains (losses) | $29,000 | 2,860 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $447,000 | 6,617 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $447,000 | 6,616 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 5,010 |
| Cash dividends | $203,000 | 4,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $418,000 | 6,628 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,225,000 | 8,006 |
| Total interest expense | $1,083,000 | 7,847 |
| Net interest income | $1,142,000 | 8,000 |
| Provision for loan and lease losses | $63,000 | 6,312 |
| Total noninterest income | $152,000 | 7,825 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $110,000 | 6,399 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $42,000 | 7,933 |
| Total noninterest expense | $862,000 | 8,299 |
| Salaries and employee benefits | $536,000 | 8,000 |
| Premises and equipment expense | $127,000 | 7,892 |
| Additional noninterest expense | $199,000 | 8,661 |
| Pre-tax net operating income | $369,000 | 7,115 |
| Securities gains (losses) | $18,000 | 3,221 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $387,000 | 6,651 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $387,000 | 6,654 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 5,531 |
| Cash dividends | $96,000 | 5,810 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $369,000 | 6,614 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,020,000 | 8,389 |
| Total interest expense | $990,000 | 8,241 |
| Net interest income | $1,030,000 | 8,419 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $118,000 | 8,331 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $80,000 | 6,987 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $38,000 | 8,238 |
| Total noninterest expense | $802,000 | 8,565 |
| Salaries and employee benefits | $485,000 | 8,320 |
| Premises and equipment expense | $130,000 | 7,919 |
| Additional noninterest expense | $187,000 | 8,904 |
| Pre-tax net operating income | $346,000 | 7,711 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-1,000 | 9,263 |
| Income before extraordinary items | $347,000 | 7,170 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $347,000 | 7,168 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 9,044 |
| Cash dividends | $87,000 | 6,083 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $347,000 | 7,166 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,602,000 | 8,936 |
| Total interest expense | $719,000 | 8,904 |
| Net interest income | $883,000 | 8,875 |
| Provision for loan and lease losses | $10,000 | 8,114 |
| Total noninterest income | $114,000 | 8,611 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $59,000 | 7,624 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $55,000 | 7,882 |
| Total noninterest expense | $672,000 | 9,106 |
| Salaries and employee benefits | $398,000 | 8,897 |
| Premises and equipment expense | $101,000 | 8,608 |
| Additional noninterest expense | $173,000 | 9,303 |
| Pre-tax net operating income | $315,000 | 8,010 |
| Securities gains (losses) | $-1,000 | 8,592 |
| Applicable income taxes | $1,000 | 8,717 |
| Income before extraordinary items | $313,000 | 7,514 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $313,000 | 7,513 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 8,900 |
| Cash dividends | $240,000 | 4,933 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $314,000 | 7,479 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,459,000 | 9,338 |
| Total interest expense | $676,000 | 9,250 |
| Net interest income | $783,000 | 9,303 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $73,000 | 9,464 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $53,000 | 7,959 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 9,482 |
| Total noninterest expense | $534,000 | 9,658 |
| Salaries and employee benefits | $316,000 | 9,532 |
| Premises and equipment expense | $80,000 | 9,140 |
| Additional noninterest expense | $138,000 | 9,777 |
| Pre-tax net operating income | $322,000 | 8,271 |
| Securities gains (losses) | $4,000 | 3,561 |
| Applicable income taxes | $17,000 | 8,941 |
| Income before extraordinary items | $309,000 | 7,811 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $309,000 | 7,810 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 9,217 |
| Cash dividends | $80,000 | 6,486 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $305,200 | 7,754 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,366,000 | 9,849 |
| Total interest expense | $612,000 | 9,792 |
| Net interest income | $754,000 | 9,793 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $72,000 | 9,909 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $51,000 | 8,399 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,000 | 9,798 |
| Total noninterest expense | $501,000 | 10,130 |
| Salaries and employee benefits | $292,000 | 10,007 |
| Premises and equipment expense | $75,000 | 9,576 |
| Additional noninterest expense | $134,000 | 10,187 |
| Pre-tax net operating income | $325,000 | 8,851 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $81,000 | 8,730 |
| Income before extraordinary items | $244,000 | 8,800 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $244,000 | 8,805 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,371 |
| Cash dividends | $170,000 | 5,700 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $244,000 | 8,759 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,313,000 | 10,374 |
| Total interest expense | $624,000 | 10,197 |
| Net interest income | $689,000 | 10,421 |
| Provision for loan and lease losses | $6,000 | 8,753 |
| Total noninterest income | $78,000 | 10,319 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $55,000 | 8,700 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $23,000 | 10,237 |
| Total noninterest expense | $502,000 | 10,581 |
| Salaries and employee benefits | $321,000 | 10,171 |
| Premises and equipment expense | $69,000 | 10,108 |
| Additional noninterest expense | $112,000 | 10,975 |
| Pre-tax net operating income | $259,000 | 9,417 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $62,000 | 9,472 |
| Income before extraordinary items | $197,000 | 9,325 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $197,000 | 9,328 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 9,914 |
| Cash dividends | $140,000 | 6,159 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $197,000 | 9,268 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,163,000 | 11,020 |
| Total interest expense | $548,000 | 10,859 |
| Net interest income | $615,000 | 11,089 |
| Provision for loan and lease losses | $8,000 | 8,490 |
| Total noninterest income | $69,000 | 10,984 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $47,000 | 9,337 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $22,000 | 10,775 |
| Total noninterest expense | $502,000 | 11,012 |
| Salaries and employee benefits | $295,000 | 10,799 |
| Premises and equipment expense | $70,000 | 10,479 |
| Additional noninterest expense | $137,000 | 11,219 |
| Pre-tax net operating income | $174,000 | 10,614 |
| Securities gains (losses) | $1,000 | 3,512 |
| Applicable income taxes | $28,000 | 10,615 |
| Income before extraordinary items | $147,000 | 10,491 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $147,000 | 10,495 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 10,260 |
| Cash dividends | $110,000 | 6,621 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $146,160 | 10,469 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,115,000 | 11,502 |
| Total interest expense | $466,000 | 11,252 |
| Net interest income | $649,000 | 11,559 |
| Provision for loan and lease losses | $19,000 | 7,864 |
| Total noninterest income | $62,000 | 11,679 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $41,000 | 10,006 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,000 | 11,366 |
| Total noninterest expense | $499,000 | 11,624 |
| Salaries and employee benefits | $275,000 | 11,429 |
| Premises and equipment expense | $51,000 | 11,600 |
| Additional noninterest expense | $173,000 | 11,492 |
| Pre-tax net operating income | $193,000 | 10,949 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $37,000 | 10,765 |
| Income before extraordinary items | $156,000 | 10,739 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $156,000 | 10,744 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 7,270 |
| Cash dividends | $90,000 | 7,108 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $156,000 | 10,785 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,140,000 | 12,006 |
| Total interest expense | $542,000 | 11,462 |
| Net interest income | $598,000 | 12,219 |
| Provision for loan and lease losses | $17,000 | 9,280 |
| Total noninterest income | $57,000 | 12,364 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $37,000 | 10,508 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 12,038 |
| Total noninterest expense | $449,000 | 12,419 |
| Salaries and employee benefits | $239,000 | 12,289 |
| Premises and equipment expense | $47,000 | 12,313 |
| Additional noninterest expense | $163,000 | 12,242 |
| Pre-tax net operating income | $189,000 | 11,135 |
| Securities gains (losses) | $11,000 | 5,374 |
| Applicable income taxes | $29,000 | 11,409 |
| Income before extraordinary items | $171,000 | 10,966 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $171,000 | 11,064 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 8,297 |
| Cash dividends | $105,000 | 6,770 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $161,650 | 10,856 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,296,000 | 12,410 |
| Total interest expense | $688,000 | 11,877 |
| Net interest income | $608,000 | 12,682 |
| Provision for loan and lease losses | $34,000 | 9,820 |
| Total noninterest income | $59,000 | 12,872 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $38,000 | 10,777 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,000 | 12,470 |
| Total noninterest expense | $438,000 | 12,976 |
| Salaries and employee benefits | $232,000 | 12,802 |
| Premises and equipment expense | $45,000 | 12,878 |
| Additional noninterest expense | $161,000 | 12,768 |
| Pre-tax net operating income | $195,000 | 11,118 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $40,000 | 11,529 |
| Income before extraordinary items | $155,000 | 11,205 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $155,000 | 11,294 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 8,508 |
| Cash dividends | $100,000 | 6,542 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $155,000 | 10,861 |
* 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.