Home > The Farmer's State Bank > Income and Expense
The Farmer's State Bank, Income and Expense
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $226,000 | 8,748 |
| Total interest expense | $56,000 | 8,686 |
| Net interest income | $170,000 | 8,747 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $20,000 | 8,602 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $13,000 | 7,557 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $7,000 | 8,497 |
| Total noninterest expense | $119,000 | 8,814 |
| Salaries and employee benefits | $74,000 | 8,794 |
| Premises and equipment expense | $11,000 | 8,769 |
| Additional noninterest expense | $34,000 | 8,812 |
| Pre-tax net operating income | $71,000 | 8,067 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $3,000 | 6,741 |
| Income before extraordinary items | $68,000 | 8,076 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $68,000 | 8,074 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $101,000 | 5,463 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $68,000 | 8,049 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $165,000 | 8,785 |
| Total interest expense | $39,000 | 8,732 |
| Net interest income | $126,000 | 8,790 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $13,000 | 8,679 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $9,000 | 7,622 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $4,000 | 8,585 |
| Total noninterest expense | $86,000 | 8,840 |
| Salaries and employee benefits | $55,000 | 8,819 |
| Premises and equipment expense | $8,000 | 8,797 |
| Additional noninterest expense | $23,000 | 8,837 |
| Pre-tax net operating income | $53,000 | 8,178 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $2,000 | 6,802 |
| Income before extraordinary items | $51,000 | 8,181 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $51,000 | 8,179 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $1,000 | 5,313 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $51,000 | 8,150 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $109,000 | 8,805 |
| Total interest expense | $24,000 | 8,749 |
| Net interest income | $85,000 | 8,805 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $7,000 | 8,700 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $6,000 | 7,638 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,000 | 8,662 |
| Total noninterest expense | $55,000 | 8,848 |
| Salaries and employee benefits | $34,000 | 8,833 |
| Premises and equipment expense | $5,000 | 8,793 |
| Additional noninterest expense | $16,000 | 8,842 |
| Pre-tax net operating income | $37,000 | 8,195 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $2,000 | 6,782 |
| Income before extraordinary items | $35,000 | 8,200 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $35,000 | 8,200 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $1,000 | 5,066 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $35,000 | 8,167 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $54,000 | 8,878 |
| Total interest expense | $12,000 | 8,823 |
| Net interest income | $42,000 | 8,878 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $4,000 | 8,750 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $3,000 | 7,690 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,000 | 8,675 |
| Total noninterest expense | $27,000 | 8,918 |
| Salaries and employee benefits | $16,000 | 8,905 |
| Premises and equipment expense | $2,000 | 8,862 |
| Additional noninterest expense | $9,000 | 8,908 |
| Pre-tax net operating income | $19,000 | 8,264 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $19,000 | 8,249 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $19,000 | 8,249 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $1,000 | 3,856 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $19,000 | 8,226 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $214,000 | 8,881 |
| Total interest expense | $38,000 | 8,858 |
| Net interest income | $176,000 | 8,877 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $14,000 | 8,819 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $11,000 | 7,764 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,000 | 8,748 |
| Total noninterest expense | $110,000 | 8,957 |
| Salaries and employee benefits | $68,000 | 8,941 |
| Premises and equipment expense | $12,000 | 8,908 |
| Additional noninterest expense | $30,000 | 8,952 |
| Pre-tax net operating income | $80,000 | 8,165 |
| Securities gains (losses) | $1,000 | 3,645 |
| Applicable income taxes | $4,000 | 6,965 |
| Income before extraordinary items | $77,000 | 8,179 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $77,000 | 8,179 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,855 |
| Cash dividends | $62,000 | 5,750 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $76,050 | 8,146 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $160,000 | 8,938 |
| Total interest expense | $27,000 | 8,911 |
| Net interest income | $133,000 | 8,928 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $10,000 | 8,886 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $8,000 | 7,809 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,000 | 8,821 |
| Total noninterest expense | $79,000 | 9,007 |
| Salaries and employee benefits | $47,000 | 8,989 |
| Premises and equipment expense | $9,000 | 8,948 |
| Additional noninterest expense | $23,000 | 8,996 |
| Pre-tax net operating income | $64,000 | 8,258 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $3,000 | 7,043 |
| Income before extraordinary items | $61,000 | 8,271 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $61,000 | 8,273 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,361 |
| Cash dividends | $2,000 | 5,352 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $61,000 | 8,230 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $107,000 | 8,997 |
| Total interest expense | $18,000 | 8,968 |
| Net interest income | $89,000 | 8,988 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $7,000 | 8,933 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $5,000 | 7,870 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,000 | 8,825 |
| Total noninterest expense | $53,000 | 9,064 |
| Salaries and employee benefits | $32,000 | 9,048 |
| Premises and equipment expense | $5,000 | 9,017 |
| Additional noninterest expense | $16,000 | 9,055 |
| Pre-tax net operating income | $43,000 | 8,281 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $2,000 | 7,043 |
| Income before extraordinary items | $41,000 | 8,305 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $41,000 | 8,308 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,839 |
| Cash dividends | $2,000 | 5,077 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $41,000 | 8,243 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $56,000 | 9,039 |
| Total interest expense | $9,000 | 9,012 |
| Net interest income | $47,000 | 9,027 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $4,000 | 8,960 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $3,000 | 7,856 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $1,000 | 8,837 |
| Total noninterest expense | $28,000 | 9,102 |
| Salaries and employee benefits | $15,000 | 9,088 |
| Premises and equipment expense | $3,000 | 9,031 |
| Additional noninterest expense | $10,000 | 9,089 |
| Pre-tax net operating income | $23,000 | 8,280 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $23,000 | 8,272 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $23,000 | 8,273 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,804 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $23,000 | 8,203 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $206,000 | 9,071 |
| Total interest expense | $42,000 | 9,051 |
| Net interest income | $164,000 | 9,063 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $22,000 | 8,992 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $12,000 | 7,913 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $10,000 | 8,762 |
| Total noninterest expense | $97,000 | 9,160 |
| Salaries and employee benefits | $55,000 | 9,145 |
| Premises and equipment expense | $14,000 | 9,103 |
| Additional noninterest expense | $28,000 | 9,155 |
| Pre-tax net operating income | $89,000 | 8,244 |
| Securities gains (losses) | $1,000 | 4,307 |
| Applicable income taxes | $4,000 | 7,246 |
| Income before extraordinary items | $86,000 | 8,296 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $86,000 | 8,300 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $70,000 | 5,784 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $85,040 | 8,190 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $151,000 | 9,153 |
| Total interest expense | $33,000 | 9,127 |
| Net interest income | $118,000 | 9,143 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $18,000 | 9,054 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $9,000 | 7,983 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $9,000 | 8,738 |
| Total noninterest expense | $70,000 | 9,222 |
| Salaries and employee benefits | $40,000 | 9,208 |
| Premises and equipment expense | $10,000 | 9,155 |
| Additional noninterest expense | $20,000 | 9,217 |
| Pre-tax net operating income | $66,000 | 8,387 |
| Securities gains (losses) | $1,000 | 4,000 |
| Applicable income taxes | $3,000 | 7,331 |
| Income before extraordinary items | $64,000 | 8,446 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $64,000 | 8,448 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $63,040 | 8,338 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $105,000 | 9,195 |
| Total interest expense | $23,000 | 9,170 |
| Net interest income | $82,000 | 9,187 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $14,000 | 9,068 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $6,000 | 8,002 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $8,000 | 8,587 |
| Total noninterest expense | $47,000 | 9,251 |
| Salaries and employee benefits | $27,000 | 9,239 |
| Premises and equipment expense | $6,000 | 9,189 |
| Additional noninterest expense | $14,000 | 9,240 |
| Pre-tax net operating income | $49,000 | 8,374 |
| Securities gains (losses) | $1,000 | 3,586 |
| Applicable income taxes | $2,000 | 7,353 |
| Income before extraordinary items | $48,000 | 8,440 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $48,000 | 8,441 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $2,000 | 5,196 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $47,040 | 8,319 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $54,000 | 9,237 |
| Total interest expense | $12,000 | 9,213 |
| Net interest income | $42,000 | 9,227 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $10,000 | 8,992 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $3,000 | 8,021 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $7,000 | 8,228 |
| Total noninterest expense | $24,000 | 9,294 |
| Salaries and employee benefits | $12,000 | 9,281 |
| Premises and equipment expense | $3,000 | 9,213 |
| Additional noninterest expense | $9,000 | 9,277 |
| Pre-tax net operating income | $28,000 | 8,341 |
| Securities gains (losses) | $1,000 | 2,714 |
| Applicable income taxes | $2,000 | 7,162 |
| Income before extraordinary items | $27,000 | 8,344 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $27,000 | 8,342 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $26,070 | 8,234 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $268,000 | 9,253 |
| Total interest expense | $67,000 | 9,224 |
| Net interest income | $201,000 | 9,239 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $20,000 | 9,177 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $15,000 | 8,030 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $5,000 | 9,073 |
| Total noninterest expense | $97,000 | 9,332 |
| Salaries and employee benefits | $55,000 | 9,315 |
| Premises and equipment expense | $12,000 | 9,280 |
| Additional noninterest expense | $30,000 | 9,326 |
| Pre-tax net operating income | $124,000 | 8,224 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $6,000 | 7,413 |
| Income before extraordinary items | $118,000 | 8,243 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $118,000 | 8,244 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $115,000 | 5,450 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $118,000 | 8,141 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $309,000 | 9,504 |
| Total interest expense | $128,000 | 9,446 |
| Net interest income | $181,000 | 9,505 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $21,000 | 9,412 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $14,000 | 8,211 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $7,000 | 9,251 |
| Total noninterest expense | $89,000 | 9,598 |
| Salaries and employee benefits | $54,000 | 9,577 |
| Premises and equipment expense | $10,000 | 9,556 |
| Additional noninterest expense | $25,000 | 9,603 |
| Pre-tax net operating income | $113,000 | 8,274 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $4,000 | 7,767 |
| Income before extraordinary items | $109,000 | 8,274 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $109,000 | 8,272 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $105,000 | 5,704 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $109,000 | 8,169 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $337,000 | 9,777 |
| Total interest expense | $155,000 | 9,705 |
| Net interest income | $182,000 | 9,785 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $27,000 | 9,616 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $17,000 | 8,310 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $10,000 | 9,421 |
| Total noninterest expense | $90,000 | 9,883 |
| Salaries and employee benefits | $54,000 | 9,867 |
| Premises and equipment expense | $11,000 | 9,829 |
| Additional noninterest expense | $25,000 | 9,876 |
| Pre-tax net operating income | $119,000 | 8,733 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $10,000 | 8,067 |
| Income before extraordinary items | $115,000 | 8,610 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $115,000 | 8,610 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $115,000 | 5,824 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $115,000 | 8,607 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $325,000 | 10,062 |
| Total interest expense | $144,000 | 10,009 |
| Net interest income | $181,000 | 10,078 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $21,000 | 9,954 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $13,000 | 8,629 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $8,000 | 9,823 |
| Total noninterest expense | $98,000 | 10,198 |
| Salaries and employee benefits | $58,000 | 10,183 |
| Premises and equipment expense | $19,000 | 10,092 |
| Additional noninterest expense | $21,000 | 10,204 |
| Pre-tax net operating income | $104,000 | 9,057 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,000 | 8,717 |
| Income before extraordinary items | $103,000 | 8,946 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $103,000 | 8,944 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 8,900 |
| Cash dividends | $168,000 | 5,489 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $103,000 | 8,915 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $338,000 | 10,296 |
| Total interest expense | $165,000 | 10,226 |
| Net interest income | $173,000 | 10,326 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $24,000 | 10,176 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $14,000 | 8,815 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $10,000 | 9,972 |
| Total noninterest expense | $92,000 | 10,438 |
| Salaries and employee benefits | $50,000 | 10,424 |
| Premises and equipment expense | $20,000 | 10,310 |
| Additional noninterest expense | $22,000 | 10,443 |
| Pre-tax net operating income | $105,000 | 9,397 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,000 | 9,299 |
| Income before extraordinary items | $104,000 | 9,311 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $104,000 | 9,311 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,842 |
| Cash dividends | $2,000 | 7,457 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $104,000 | 9,240 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $335,000 | 10,784 |
| Total interest expense | $174,000 | 10,698 |
| Net interest income | $161,000 | 10,811 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $18,000 | 10,712 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $14,000 | 9,232 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,000 | 10,710 |
| Total noninterest expense | $94,000 | 10,886 |
| Salaries and employee benefits | $44,000 | 10,885 |
| Premises and equipment expense | $18,000 | 10,780 |
| Additional noninterest expense | $32,000 | 10,882 |
| Pre-tax net operating income | $85,000 | 10,123 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $38,000 | 9,437 |
| Income before extraordinary items | $47,000 | 10,253 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $47,000 | 10,254 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,408 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $47,000 | 10,216 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $314,000 | 11,340 |
| Total interest expense | $169,000 | 11,263 |
| Net interest income | $145,000 | 11,365 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $18,000 | 11,252 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $14,000 | 9,689 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,000 | 11,246 |
| Total noninterest expense | $79,000 | 11,433 |
| Salaries and employee benefits | $41,000 | 11,421 |
| Premises and equipment expense | $9,000 | 11,389 |
| Additional noninterest expense | $29,000 | 11,430 |
| Pre-tax net operating income | $84,000 | 10,456 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $20,000 | 10,197 |
| Income before extraordinary items | $64,000 | 10,496 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $64,000 | 10,495 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,767 |
| Cash dividends | $45,000 | 7,628 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $64,000 | 10,449 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $330,000 | 11,868 |
| Total interest expense | $179,000 | 11,776 |
| Net interest income | $151,000 | 11,900 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $16,000 | 11,820 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $12,000 | 10,148 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,000 | 11,796 |
| Total noninterest expense | $85,000 | 11,955 |
| Salaries and employee benefits | $40,000 | 11,949 |
| Premises and equipment expense | $9,000 | 11,907 |
| Additional noninterest expense | $36,000 | 11,937 |
| Pre-tax net operating income | $82,000 | 11,178 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $8,000 | 10,968 |
| Income before extraordinary items | $74,000 | 11,147 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $74,000 | 11,144 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $45,000 | 7,893 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $74,000 | 11,124 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $322,000 | 12,509 |
| Total interest expense | $139,000 | 12,464 |
| Net interest income | $183,000 | 12,519 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $22,000 | 12,363 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $16,000 | 10,624 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $6,000 | 12,297 |
| Total noninterest expense | $96,000 | 12,584 |
| Salaries and employee benefits | $41,000 | 12,581 |
| Premises and equipment expense | $10,000 | 12,540 |
| Additional noninterest expense | $45,000 | 12,558 |
| Pre-tax net operating income | $109,000 | 11,571 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $38,000 | 10,742 |
| Income before extraordinary items | $71,000 | 11,649 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $71,000 | 11,657 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,875 |
| Cash dividends | $50,000 | 7,903 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $71,000 | 11,686 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $341,000 | 13,156 |
| Total interest expense | $128,000 | 13,140 |
| Net interest income | $213,000 | 13,117 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $24,000 | 13,016 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $16,000 | 11,092 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $8,000 | 12,880 |
| Total noninterest expense | $97,000 | 13,261 |
| Salaries and employee benefits | $41,000 | 13,262 |
| Premises and equipment expense | $18,000 | 13,121 |
| Additional noninterest expense | $38,000 | 13,240 |
| Pre-tax net operating income | $140,000 | 11,552 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $40,000 | 11,152 |
| Income before extraordinary items | $100,000 | 11,800 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $100,000 | 11,848 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 10,864 |
| Cash dividends | $57,000 | 7,811 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $100,000 | 11,612 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $383,000 | 13,785 |
| Total interest expense | $170,000 | 13,754 |
| Net interest income | $213,000 | 13,759 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $14,000 | 13,763 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $12,000 | 11,559 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,000 | 13,804 |
| Total noninterest expense | $99,000 | 13,898 |
| Salaries and employee benefits | $39,000 | 13,894 |
| Premises and equipment expense | $20,000 | 13,675 |
| Additional noninterest expense | $40,000 | 13,874 |
| Pre-tax net operating income | $128,000 | 11,734 |
| Securities gains (losses) | $-5,000 | 13,085 |
| Applicable income taxes | $37,000 | 11,601 |
| Income before extraordinary items | $86,000 | 12,138 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $86,000 | 12,186 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 12,178 |
| Cash dividends | $41,000 | 7,938 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $89,500 | 11,779 |
* 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.