Home > The Farmers and Merchants State Bank of Virden, Illinois > Income and Expense
The Farmers and Merchants State Bank of Virden, Illinois, Income and Expense
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $3,343,000 | 6,032 |
| Total interest expense | $1,639,000 | 5,648 |
| Net interest income | $1,704,000 | 6,244 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $514,000 | 4,351 |
| Gross Fiduciary activities income | $2,000 | 1,352 |
| Service charges on deposit accounts | $443,000 | 2,688 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $69,000 | 6,360 |
| Total noninterest expense | $1,199,000 | 6,754 |
| Salaries and employee benefits | $654,000 | 6,745 |
| Premises and equipment expense | $92,000 | 7,506 |
| Additional noninterest expense | $453,000 | 6,087 |
| Pre-tax net operating income | $1,019,000 | 4,313 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $1,019,000 | 3,848 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,019,000 | 3,847 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $1,170,000 | 1,803 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,019,000 | 3,835 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,207,000 | 6,077 |
| Total interest expense | $1,074,000 | 5,697 |
| Net interest income | $1,133,000 | 6,296 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $320,000 | 4,520 |
| Gross Fiduciary activities income | $1,000 | 1,345 |
| Service charges on deposit accounts | $278,000 | 2,817 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $41,000 | 6,570 |
| Total noninterest expense | $793,000 | 6,817 |
| Salaries and employee benefits | $432,000 | 6,821 |
| Premises and equipment expense | $60,000 | 7,569 |
| Additional noninterest expense | $301,000 | 6,108 |
| Pre-tax net operating income | $660,000 | 4,451 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $660,000 | 3,957 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $660,000 | 3,957 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $677,000 | 2,024 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $660,000 | 3,942 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,093,000 | 6,108 |
| Total interest expense | $528,000 | 5,725 |
| Net interest income | $565,000 | 6,319 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $157,000 | 4,537 |
| Gross Fiduciary activities income | $1,000 | 1,263 |
| Service charges on deposit accounts | $132,000 | 2,876 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $24,000 | 6,337 |
| Total noninterest expense | $399,000 | 6,838 |
| Salaries and employee benefits | $217,000 | 6,842 |
| Premises and equipment expense | $34,000 | 7,427 |
| Additional noninterest expense | $148,000 | 6,150 |
| Pre-tax net operating income | $323,000 | 4,486 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $323,000 | 4,003 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $323,000 | 4,004 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $454,000 | 1,516 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $323,000 | 3,984 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $3,959,000 | 6,154 |
| Total interest expense | $1,733,000 | 5,783 |
| Net interest income | $2,226,000 | 6,303 |
| Provision for loan and lease losses | $55,000 | 5,497 |
| Total noninterest income | $561,000 | 4,882 |
| Gross Fiduciary activities income | $2,000 | 1,427 |
| Service charges on deposit accounts | $474,000 | 3,176 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $85,000 | 6,596 |
| Total noninterest expense | $1,544,000 | 6,812 |
| Salaries and employee benefits | $841,000 | 6,841 |
| Premises and equipment expense | $128,000 | 7,516 |
| Additional noninterest expense | $575,000 | 6,174 |
| Pre-tax net operating income | $1,188,000 | 4,809 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $1,188,000 | 4,301 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,188,000 | 4,301 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 3,948 |
| Cash dividends | $1,031,000 | 2,498 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,188,000 | 4,285 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,885,000 | 6,241 |
| Total interest expense | $1,219,000 | 5,883 |
| Net interest income | $1,666,000 | 6,366 |
| Provision for loan and lease losses | $33,000 | 5,584 |
| Total noninterest income | $399,000 | 5,017 |
| Gross Fiduciary activities income | $2,000 | 1,362 |
| Service charges on deposit accounts | $339,000 | 3,303 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $58,000 | 6,732 |
| Total noninterest expense | $1,149,000 | 6,848 |
| Salaries and employee benefits | $634,000 | 6,809 |
| Premises and equipment expense | $95,000 | 7,532 |
| Additional noninterest expense | $420,000 | 6,264 |
| Pre-tax net operating income | $883,000 | 5,012 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $883,000 | 4,464 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $883,000 | 4,468 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 3,707 |
| Cash dividends | $1,031,000 | 1,881 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $883,000 | 4,456 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,872,000 | 6,290 |
| Total interest expense | $775,000 | 5,890 |
| Net interest income | $1,097,000 | 6,437 |
| Provision for loan and lease losses | $2,000 | 6,347 |
| Total noninterest income | $238,000 | 5,259 |
| Gross Fiduciary activities income | $1,000 | 1,376 |
| Service charges on deposit accounts | $199,000 | 3,558 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $38,000 | 6,794 |
| Total noninterest expense | $756,000 | 6,915 |
| Salaries and employee benefits | $422,000 | 6,849 |
| Premises and equipment expense | $62,000 | 7,587 |
| Additional noninterest expense | $272,000 | 6,355 |
| Pre-tax net operating income | $577,000 | 5,091 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $577,000 | 4,540 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $577,000 | 4,544 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,958 |
| Cash dividends | $557,000 | 2,226 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $577,000 | 4,531 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $939,000 | 6,245 |
| Total interest expense | $383,000 | 5,806 |
| Net interest income | $556,000 | 6,420 |
| Provision for loan and lease losses | $1,000 | 5,956 |
| Total noninterest income | $111,000 | 5,380 |
| Gross Fiduciary activities income | $1,000 | 1,305 |
| Service charges on deposit accounts | $88,000 | 3,748 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $22,000 | 6,566 |
| Total noninterest expense | $378,000 | 6,915 |
| Salaries and employee benefits | $208,000 | 6,893 |
| Premises and equipment expense | $33,000 | 7,508 |
| Additional noninterest expense | $137,000 | 6,320 |
| Pre-tax net operating income | $288,000 | 5,071 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $288,000 | 4,522 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $288,000 | 4,522 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,110 |
| Cash dividends | $360,000 | 1,737 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $288,000 | 4,505 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,494,000 | 6,187 |
| Total interest expense | $1,187,000 | 5,831 |
| Net interest income | $2,307,000 | 6,251 |
| Provision for loan and lease losses | $-6,000 | 8,488 |
| Total noninterest income | $473,000 | 5,368 |
| Gross Fiduciary activities income | $7,000 | 1,349 |
| Service charges on deposit accounts | $345,000 | 3,873 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $121,000 | 6,110 |
| Total noninterest expense | $1,547,000 | 6,810 |
| Salaries and employee benefits | $833,000 | 6,826 |
| Premises and equipment expense | $145,000 | 7,330 |
| Additional noninterest expense | $569,000 | 6,217 |
| Pre-tax net operating income | $1,239,000 | 4,838 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $1,239,000 | 4,264 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,239,000 | 4,265 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,956 |
| Cash dividends | $1,132,000 | 2,245 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,239,000 | 4,244 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,588,000 | 6,212 |
| Total interest expense | $829,000 | 5,921 |
| Net interest income | $1,759,000 | 6,248 |
| Provision for loan and lease losses | $-5,000 | 8,581 |
| Total noninterest income | $356,000 | 5,392 |
| Gross Fiduciary activities income | $1,000 | 1,428 |
| Service charges on deposit accounts | $255,000 | 3,918 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $100,000 | 5,941 |
| Total noninterest expense | $1,169,000 | 6,780 |
| Salaries and employee benefits | $630,000 | 6,788 |
| Premises and equipment expense | $105,000 | 7,400 |
| Additional noninterest expense | $434,000 | 6,125 |
| Pre-tax net operating income | $951,000 | 4,899 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $951,000 | 4,306 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $951,000 | 4,307 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,687 |
| Cash dividends | $1,036,000 | 1,741 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $951,000 | 4,254 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,723,000 | 6,167 |
| Total interest expense | $521,000 | 5,930 |
| Net interest income | $1,202,000 | 6,173 |
| Provision for loan and lease losses | $-1,000 | 8,586 |
| Total noninterest income | $233,000 | 5,399 |
| Gross Fiduciary activities income | $1,000 | 1,384 |
| Service charges on deposit accounts | $158,000 | 4,037 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $74,000 | 5,767 |
| Total noninterest expense | $770,000 | 6,825 |
| Salaries and employee benefits | $416,000 | 6,824 |
| Premises and equipment expense | $68,000 | 7,447 |
| Additional noninterest expense | $286,000 | 6,152 |
| Pre-tax net operating income | $666,000 | 4,740 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $666,000 | 4,133 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $666,000 | 4,134 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,029 |
| Cash dividends | $585,000 | 1,993 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $666,000 | 4,074 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $858,000 | 6,188 |
| Total interest expense | $253,000 | 5,933 |
| Net interest income | $605,000 | 6,205 |
| Provision for loan and lease losses | $-1,000 | 8,667 |
| Total noninterest income | $97,000 | 5,759 |
| Gross Fiduciary activities income | $1,000 | 1,320 |
| Service charges on deposit accounts | $72,000 | 4,184 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $24,000 | 6,543 |
| Total noninterest expense | $379,000 | 6,905 |
| Salaries and employee benefits | $208,000 | 6,886 |
| Premises and equipment expense | $29,000 | 7,764 |
| Additional noninterest expense | $142,000 | 6,189 |
| Pre-tax net operating income | $324,000 | 4,795 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $324,000 | 4,156 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $324,000 | 4,158 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,685 |
| Cash dividends | $350,000 | 1,582 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $324,000 | 4,112 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,157,000 | 6,283 |
| Total interest expense | $937,000 | 5,847 |
| Net interest income | $2,220,000 | 6,344 |
| Provision for loan and lease losses | $16,000 | 6,840 |
| Total noninterest income | $474,000 | 5,405 |
| Gross Fiduciary activities income | $3,000 | 1,452 |
| Service charges on deposit accounts | $338,000 | 4,029 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $133,000 | 5,919 |
| Total noninterest expense | $1,407,000 | 7,056 |
| Salaries and employee benefits | $819,000 | 6,860 |
| Premises and equipment expense | $82,000 | 8,185 |
| Additional noninterest expense | $506,000 | 6,497 |
| Pre-tax net operating income | $1,271,000 | 4,646 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $1,271,000 | 4,050 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,271,000 | 4,051 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 5,720 |
| Cash dividends | $1,182,000 | 2,073 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,271,000 | 3,997 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,299,000 | 6,368 |
| Total interest expense | $695,000 | 5,850 |
| Net interest income | $1,604,000 | 6,459 |
| Provision for loan and lease losses | $-9,000 | 8,777 |
| Total noninterest income | $385,000 | 5,229 |
| Gross Fiduciary activities income | $2,000 | 1,430 |
| Service charges on deposit accounts | $254,000 | 4,058 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $129,000 | 5,430 |
| Total noninterest expense | $1,046,000 | 7,051 |
| Salaries and employee benefits | $603,000 | 6,885 |
| Premises and equipment expense | $69,000 | 8,064 |
| Additional noninterest expense | $374,000 | 6,516 |
| Pre-tax net operating income | $952,000 | 4,723 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $952,000 | 4,128 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $952,000 | 4,128 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 8,006 |
| Cash dividends | $1,068,000 | 1,630 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $952,000 | 4,059 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,517,000 | 6,426 |
| Total interest expense | $467,000 | 5,850 |
| Net interest income | $1,050,000 | 6,531 |
| Provision for loan and lease losses | $-9,000 | 8,862 |
| Total noninterest income | $252,000 | 5,264 |
| Gross Fiduciary activities income | $1,000 | 1,443 |
| Service charges on deposit accounts | $163,000 | 4,145 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $88,000 | 5,416 |
| Total noninterest expense | $680,000 | 7,169 |
| Salaries and employee benefits | $393,000 | 6,990 |
| Premises and equipment expense | $48,000 | 8,038 |
| Additional noninterest expense | $239,000 | 6,676 |
| Pre-tax net operating income | $631,000 | 4,703 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $631,000 | 4,106 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $631,000 | 4,107 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,943 |
| Cash dividends | $574,000 | 1,957 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $631,000 | 4,020 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $756,000 | 6,455 |
| Total interest expense | $240,000 | 5,816 |
| Net interest income | $516,000 | 6,604 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $112,000 | 5,514 |
| Gross Fiduciary activities income | $1,000 | 1,344 |
| Service charges on deposit accounts | $69,000 | 4,450 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $42,000 | 5,474 |
| Total noninterest expense | $328,000 | 7,286 |
| Salaries and employee benefits | $197,000 | 7,026 |
| Premises and equipment expense | $20,000 | 8,263 |
| Additional noninterest expense | $111,000 | 6,892 |
| Pre-tax net operating income | $300,000 | 4,808 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $300,000 | 4,261 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $300,000 | 4,260 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $350,000 | 1,554 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $300,000 | 4,140 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,309,000 | 6,201 |
| Total interest expense | $1,169,000 | 5,651 |
| Net interest income | $2,140,000 | 6,376 |
| Provision for loan and lease losses | $4,000 | 7,558 |
| Total noninterest income | $524,000 | 5,315 |
| Gross Fiduciary activities income | $3,000 | 1,497 |
| Service charges on deposit accounts | $298,000 | 4,316 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $223,000 | 5,065 |
| Total noninterest expense | $1,385,000 | 7,101 |
| Salaries and employee benefits | $780,000 | 6,987 |
| Premises and equipment expense | $158,000 | 7,289 |
| Additional noninterest expense | $447,000 | 6,868 |
| Pre-tax net operating income | $1,275,000 | 4,530 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $13,000 | 6,950 |
| Income before extraordinary items | $1,262,000 | 4,005 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,262,000 | 4,006 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,027 |
| Cash dividends | $1,202,000 | 2,036 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,262,000 | 3,831 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,544,000 | 6,204 |
| Total interest expense | $918,000 | 5,646 |
| Net interest income | $1,626,000 | 6,398 |
| Provision for loan and lease losses | $4,000 | 7,376 |
| Total noninterest income | $394,000 | 5,353 |
| Gross Fiduciary activities income | $2,000 | 1,482 |
| Service charges on deposit accounts | $219,000 | 4,382 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $173,000 | 5,056 |
| Total noninterest expense | $1,029,000 | 7,129 |
| Salaries and employee benefits | $583,000 | 6,992 |
| Premises and equipment expense | $117,000 | 7,325 |
| Additional noninterest expense | $329,000 | 6,897 |
| Pre-tax net operating income | $987,000 | 4,576 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $10,000 | 7,078 |
| Income before extraordinary items | $977,000 | 4,038 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $977,000 | 4,038 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 6,480 |
| Cash dividends | $1,088,000 | 1,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $977,000 | 3,870 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,755,000 | 6,143 |
| Total interest expense | $647,000 | 5,586 |
| Net interest income | $1,108,000 | 6,341 |
| Provision for loan and lease losses | $4,000 | 7,175 |
| Total noninterest income | $257,000 | 5,390 |
| Gross Fiduciary activities income | $2,000 | 1,432 |
| Service charges on deposit accounts | $143,000 | 4,400 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $112,000 | 5,124 |
| Total noninterest expense | $686,000 | 7,157 |
| Salaries and employee benefits | $390,000 | 7,006 |
| Premises and equipment expense | $76,000 | 7,385 |
| Additional noninterest expense | $220,000 | 6,898 |
| Pre-tax net operating income | $675,000 | 4,522 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $7,000 | 7,084 |
| Income before extraordinary items | $668,000 | 3,993 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $668,000 | 3,993 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,879 |
| Cash dividends | $628,000 | 1,830 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $668,000 | 3,818 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $911,000 | 6,060 |
| Total interest expense | $338,000 | 5,552 |
| Net interest income | $573,000 | 6,209 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $120,000 | 5,462 |
| Gross Fiduciary activities income | $1,000 | 1,409 |
| Service charges on deposit accounts | $68,000 | 4,446 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $51,000 | 5,226 |
| Total noninterest expense | $343,000 | 7,177 |
| Salaries and employee benefits | $194,000 | 7,058 |
| Premises and equipment expense | $39,000 | 7,371 |
| Additional noninterest expense | $110,000 | 6,890 |
| Pre-tax net operating income | $350,000 | 4,390 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $3,000 | 7,063 |
| Income before extraordinary items | $347,000 | 3,829 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $347,000 | 3,827 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $350,000 | 1,587 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $347,000 | 3,647 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,031,000 | 5,877 |
| Total interest expense | $1,661,000 | 5,403 |
| Net interest income | $2,370,000 | 6,084 |
| Provision for loan and lease losses | $15,000 | 7,642 |
| Total noninterest income | $489,000 | 5,281 |
| Gross Fiduciary activities income | $3,000 | 1,565 |
| Service charges on deposit accounts | $288,000 | 4,316 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $198,000 | 5,053 |
| Total noninterest expense | $1,384,000 | 7,085 |
| Salaries and employee benefits | $804,000 | 6,868 |
| Premises and equipment expense | $147,000 | 7,485 |
| Additional noninterest expense | $433,000 | 6,915 |
| Pre-tax net operating income | $1,460,000 | 4,192 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $13,000 | 7,204 |
| Income before extraordinary items | $1,447,000 | 3,595 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,447,000 | 3,594 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 6,572 |
| Cash dividends | $1,171,000 | 1,994 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,447,000 | 3,495 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,832,000 | 5,739 |
| Total interest expense | $2,455,000 | 5,455 |
| Net interest income | $2,377,000 | 5,887 |
| Provision for loan and lease losses | $36,000 | 7,043 |
| Total noninterest income | $416,000 | 5,577 |
| Gross Fiduciary activities income | $2,000 | 1,637 |
| Service charges on deposit accounts | $261,000 | 4,533 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $153,000 | 5,514 |
| Total noninterest expense | $1,388,000 | 7,038 |
| Salaries and employee benefits | $773,000 | 6,898 |
| Premises and equipment expense | $158,000 | 7,401 |
| Additional noninterest expense | $457,000 | 6,739 |
| Pre-tax net operating income | $1,369,000 | 4,097 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $13,000 | 7,494 |
| Income before extraordinary items | $1,356,000 | 3,486 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,356,000 | 3,489 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,589 |
| Cash dividends | $755,000 | 2,714 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,356,000 | 3,388 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,968,000 | 5,757 |
| Total interest expense | $2,509,000 | 5,547 |
| Net interest income | $2,459,000 | 5,874 |
| Provision for loan and lease losses | $50,000 | 6,512 |
| Total noninterest income | $386,000 | 5,616 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $63,000 | 7,329 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $323,000 | 3,761 |
| Total noninterest expense | $1,359,000 | 7,093 |
| Salaries and employee benefits | $749,000 | 6,981 |
| Premises and equipment expense | $164,000 | 7,343 |
| Additional noninterest expense | $446,000 | 6,804 |
| Pre-tax net operating income | $1,436,000 | 4,187 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $482,000 | 3,570 |
| Income before extraordinary items | $954,000 | 4,519 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $954,000 | 4,520 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 4,757 |
| Cash dividends | $840,000 | 2,575 |
| Sale, conversion, retirement of capital stock, net | $-140,000 | 9,786 |
| Net operating income | $954,000 | 4,516 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,703,000 | 5,786 |
| Total interest expense | $2,297,000 | 5,491 |
| Net interest income | $2,406,000 | 5,947 |
| Provision for loan and lease losses | $240,000 | 3,119 |
| Total noninterest income | $404,000 | 5,576 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $62,000 | 7,557 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $342,000 | 3,734 |
| Total noninterest expense | $1,304,000 | 7,283 |
| Salaries and employee benefits | $731,000 | 7,071 |
| Premises and equipment expense | $161,000 | 7,475 |
| Additional noninterest expense | $412,000 | 7,166 |
| Pre-tax net operating income | $1,266,000 | 4,603 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $422,000 | 4,019 |
| Income before extraordinary items | $844,000 | 4,923 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $844,000 | 4,923 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $216,000 | 2,284 |
| Cash dividends | $600,000 | 3,129 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $844,000 | 4,882 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,684,000 | 5,922 |
| Total interest expense | $2,296,000 | 5,663 |
| Net interest income | $2,388,000 | 6,006 |
| Provision for loan and lease losses | $49,000 | 6,673 |
| Total noninterest income | $361,000 | 5,921 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $216,000 | 4,927 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $145,000 | 5,772 |
| Total noninterest expense | $1,268,000 | 7,358 |
| Salaries and employee benefits | $749,000 | 6,921 |
| Premises and equipment expense | $147,000 | 7,718 |
| Additional noninterest expense | $372,000 | 7,456 |
| Pre-tax net operating income | $1,432,000 | 4,334 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $474,000 | 3,979 |
| Income before extraordinary items | $958,000 | 4,639 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $958,000 | 4,639 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 6,674 |
| Cash dividends | $600,000 | 3,104 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $958,000 | 4,546 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,534,000 | 6,192 |
| Total interest expense | $2,213,000 | 5,856 |
| Net interest income | $2,321,000 | 6,333 |
| Provision for loan and lease losses | $42,000 | 6,950 |
| Total noninterest income | $342,000 | 6,236 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $228,000 | 4,940 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $114,000 | 6,420 |
| Total noninterest expense | $1,237,000 | 7,547 |
| Salaries and employee benefits | $709,000 | 7,271 |
| Premises and equipment expense | $174,000 | 7,310 |
| Additional noninterest expense | $354,000 | 7,767 |
| Pre-tax net operating income | $1,384,000 | 4,752 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $452,000 | 4,520 |
| Income before extraordinary items | $932,000 | 4,942 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $932,000 | 4,943 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,223 |
| Cash dividends | $600,000 | 3,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $932,000 | 4,875 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,398,000 | 6,485 |
| Total interest expense | $2,134,000 | 6,158 |
| Net interest income | $2,264,000 | 6,630 |
| Provision for loan and lease losses | $16,000 | 8,168 |
| Total noninterest income | $335,000 | 6,564 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $207,000 | 5,433 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $128,000 | 6,422 |
| Total noninterest expense | $1,195,000 | 8,001 |
| Salaries and employee benefits | $699,000 | 7,537 |
| Premises and equipment expense | $160,000 | 7,826 |
| Additional noninterest expense | $336,000 | 8,505 |
| Pre-tax net operating income | $1,388,000 | 4,604 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $465,000 | 4,391 |
| Income before extraordinary items | $923,000 | 4,782 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $923,000 | 4,783 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 7,175 |
| Cash dividends | $600,000 | 3,013 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $923,000 | 4,733 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,111,000 | 6,871 |
| Total interest expense | $1,915,000 | 6,657 |
| Net interest income | $2,196,000 | 6,872 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $307,000 | 7,001 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $181,000 | 6,040 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $126,000 | 6,498 |
| Total noninterest expense | $1,199,000 | 8,211 |
| Salaries and employee benefits | $687,000 | 7,801 |
| Premises and equipment expense | $149,000 | 8,299 |
| Additional noninterest expense | $363,000 | 8,565 |
| Pre-tax net operating income | $1,304,000 | 4,956 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $429,000 | 4,704 |
| Income before extraordinary items | $875,000 | 5,098 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $875,000 | 5,098 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,657 |
| Cash dividends | $600,000 | 2,907 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $875,000 | 5,086 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,657,000 | 7,124 |
| Total interest expense | $1,630,000 | 6,528 |
| Net interest income | $2,027,000 | 7,506 |
| Provision for loan and lease losses | $18,000 | 7,907 |
| Total noninterest income | $284,000 | 7,473 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $204,000 | 5,789 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $80,000 | 8,247 |
| Total noninterest expense | $1,216,000 | 8,548 |
| Salaries and employee benefits | $670,000 | 8,118 |
| Premises and equipment expense | $129,000 | 9,118 |
| Additional noninterest expense | $417,000 | 8,655 |
| Pre-tax net operating income | $1,077,000 | 5,657 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $349,000 | 5,287 |
| Income before extraordinary items | $728,000 | 5,744 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $728,000 | 5,760 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 10,731 |
| Cash dividends | $600,000 | 2,782 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $728,000 | 5,822 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,571,000 | 7,434 |
| Total interest expense | $1,631,000 | 6,795 |
| Net interest income | $1,940,000 | 7,860 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $275,000 | 7,997 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $192,000 | 6,118 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $83,000 | 8,496 |
| Total noninterest expense | $1,149,000 | 9,109 |
| Salaries and employee benefits | $629,000 | 8,564 |
| Premises and equipment expense | $121,000 | 9,761 |
| Additional noninterest expense | $399,000 | 9,275 |
| Pre-tax net operating income | $1,066,000 | 5,632 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $348,000 | 5,524 |
| Income before extraordinary items | $718,000 | 6,000 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $718,000 | 6,160 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 11,050 |
| Cash dividends | $600,000 | 2,624 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $718,000 | 5,738 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,903,000 | 7,640 |
| Total interest expense | $1,960,000 | 7,197 |
| Net interest income | $1,943,000 | 7,913 |
| Provision for loan and lease losses | $4,000 | 11,584 |
| Total noninterest income | $237,000 | 8,727 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $172,000 | 6,565 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $65,000 | 9,539 |
| Total noninterest expense | $1,111,000 | 9,448 |
| Salaries and employee benefits | $601,000 | 8,798 |
| Premises and equipment expense | $104,000 | 10,590 |
| Additional noninterest expense | $406,000 | 9,490 |
| Pre-tax net operating income | $1,065,000 | 5,376 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $351,000 | 5,341 |
| Income before extraordinary items | $714,000 | 5,832 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $714,000 | 5,898 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 10,608 |
| Cash dividends | $420,000 | 3,185 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $714,000 | 5,494 |
* 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.