Home > The Farmers Bank > Income and Expense
The Farmers Bank, Income and Expense
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $1,660,000 | 7,802 |
| Total interest expense | $753,000 | 7,568 |
| Net interest income | $907,000 | 7,858 |
| Provision for loan and lease losses | $21,000 | 6,304 |
| Total noninterest income | $117,000 | 7,415 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $97,000 | 6,051 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $20,000 | 7,796 |
| Total noninterest expense | $639,000 | 8,171 |
| Salaries and employee benefits | $410,000 | 8,029 |
| Premises and equipment expense | $54,000 | 8,211 |
| Additional noninterest expense | $175,000 | 8,145 |
| Pre-tax net operating income | $364,000 | 6,379 |
| Securities gains (losses) | $6,000 | 1,516 |
| Applicable income taxes | $103,000 | 4,462 |
| Income before extraordinary items | $267,000 | 6,539 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $267,000 | 6,538 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-64,000 | 8,324 |
| Cash dividends | $54,000 | 5,567 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $262,680 | 6,541 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,218,000 | 7,887 |
| Total interest expense | $550,000 | 7,643 |
| Net interest income | $668,000 | 7,932 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $87,000 | 7,453 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $74,000 | 6,074 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $13,000 | 7,921 |
| Total noninterest expense | $453,000 | 8,198 |
| Salaries and employee benefits | $290,000 | 8,070 |
| Premises and equipment expense | $42,000 | 8,191 |
| Additional noninterest expense | $121,000 | 8,187 |
| Pre-tax net operating income | $302,000 | 6,556 |
| Securities gains (losses) | $6,000 | 1,140 |
| Applicable income taxes | $87,000 | 4,560 |
| Income before extraordinary items | $221,000 | 6,707 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $221,000 | 6,705 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-46,000 | 8,237 |
| Cash dividends | $54,000 | 4,917 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $216,680 | 6,723 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $790,000 | 7,960 |
| Total interest expense | $337,000 | 7,776 |
| Net interest income | $453,000 | 7,971 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $59,000 | 7,489 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $49,000 | 6,112 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $10,000 | 7,880 |
| Total noninterest expense | $311,000 | 8,224 |
| Salaries and employee benefits | $198,000 | 8,106 |
| Premises and equipment expense | $27,000 | 8,257 |
| Additional noninterest expense | $86,000 | 8,176 |
| Pre-tax net operating income | $201,000 | 6,625 |
| Securities gains (losses) | $6,000 | 974 |
| Applicable income taxes | $60,000 | 4,611 |
| Income before extraordinary items | $147,000 | 6,775 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $147,000 | 6,775 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-42,000 | 8,239 |
| Cash dividends | $54,000 | 4,659 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $142,740 | 6,795 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $380,000 | 8,044 |
| Total interest expense | $159,000 | 7,875 |
| Net interest income | $221,000 | 8,055 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $31,000 | 7,421 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $26,000 | 6,005 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $5,000 | 7,889 |
| Total noninterest expense | $149,000 | 8,305 |
| Salaries and employee benefits | $99,000 | 8,138 |
| Premises and equipment expense | $15,000 | 8,211 |
| Additional noninterest expense | $35,000 | 8,371 |
| Pre-tax net operating income | $103,000 | 6,622 |
| Securities gains (losses) | $6,000 | 777 |
| Applicable income taxes | $33,000 | 4,531 |
| Income before extraordinary items | $76,000 | 6,767 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $76,000 | 6,766 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-34,000 | 8,300 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $71,800 | 6,828 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,401,000 | 8,007 |
| Total interest expense | $539,000 | 7,848 |
| Net interest income | $862,000 | 8,020 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $143,000 | 7,360 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $121,000 | 5,889 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $22,000 | 7,915 |
| Total noninterest expense | $656,000 | 8,239 |
| Salaries and employee benefits | $429,000 | 8,077 |
| Premises and equipment expense | $53,000 | 8,331 |
| Additional noninterest expense | $174,000 | 8,246 |
| Pre-tax net operating income | $349,000 | 6,957 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $107,000 | 4,915 |
| Income before extraordinary items | $242,000 | 7,124 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $242,000 | 7,124 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-42,000 | 8,326 |
| Cash dividends | $81,000 | 5,538 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $242,000 | 7,115 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,017,000 | 8,108 |
| Total interest expense | $381,000 | 7,933 |
| Net interest income | $636,000 | 8,110 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $106,000 | 7,448 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $90,000 | 5,964 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $16,000 | 7,988 |
| Total noninterest expense | $461,000 | 8,312 |
| Salaries and employee benefits | $295,000 | 8,173 |
| Premises and equipment expense | $41,000 | 8,359 |
| Additional noninterest expense | $125,000 | 8,320 |
| Pre-tax net operating income | $281,000 | 7,092 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $86,000 | 5,054 |
| Income before extraordinary items | $195,000 | 7,249 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $195,000 | 7,252 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-29,000 | 8,190 |
| Cash dividends | $36,000 | 5,111 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $195,000 | 7,247 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $650,000 | 8,169 |
| Total interest expense | $236,000 | 8,004 |
| Net interest income | $414,000 | 8,191 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $69,000 | 7,525 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $61,000 | 5,942 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $8,000 | 8,200 |
| Total noninterest expense | $294,000 | 8,393 |
| Salaries and employee benefits | $193,000 | 8,237 |
| Premises and equipment expense | $25,000 | 8,440 |
| Additional noninterest expense | $76,000 | 8,420 |
| Pre-tax net operating income | $189,000 | 7,145 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $57,000 | 5,132 |
| Income before extraordinary items | $132,000 | 7,292 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $132,000 | 7,292 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-24,000 | 8,157 |
| Cash dividends | $36,000 | 4,877 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $132,000 | 7,300 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $320,000 | 8,202 |
| Total interest expense | $112,000 | 8,034 |
| Net interest income | $208,000 | 8,211 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $32,000 | 7,592 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $26,000 | 6,158 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $6,000 | 7,952 |
| Total noninterest expense | $143,000 | 8,440 |
| Salaries and employee benefits | $96,000 | 8,262 |
| Premises and equipment expense | $10,000 | 8,530 |
| Additional noninterest expense | $37,000 | 8,446 |
| Pre-tax net operating income | $97,000 | 7,096 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $29,000 | 5,067 |
| Income before extraordinary items | $68,000 | 7,222 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $68,000 | 7,222 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-28,000 | 8,296 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $68,000 | 7,226 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,198,000 | 8,183 |
| Total interest expense | $377,000 | 7,962 |
| Net interest income | $821,000 | 8,187 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $163,000 | 7,379 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $123,000 | 5,956 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $40,000 | 7,623 |
| Total noninterest expense | $660,000 | 8,308 |
| Salaries and employee benefits | $428,000 | 8,119 |
| Premises and equipment expense | $46,000 | 8,512 |
| Additional noninterest expense | $186,000 | 8,303 |
| Pre-tax net operating income | $324,000 | 7,309 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $116,000 | 5,243 |
| Income before extraordinary items | $208,000 | 7,548 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $208,000 | 7,550 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 4,965 |
| Cash dividends | $74,000 | 5,659 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $208,000 | 7,522 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $869,000 | 8,249 |
| Total interest expense | $261,000 | 8,049 |
| Net interest income | $608,000 | 8,243 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $125,000 | 7,369 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $90,000 | 6,031 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $35,000 | 7,480 |
| Total noninterest expense | $467,000 | 8,361 |
| Salaries and employee benefits | $291,000 | 8,224 |
| Premises and equipment expense | $36,000 | 8,501 |
| Additional noninterest expense | $140,000 | 8,299 |
| Pre-tax net operating income | $266,000 | 7,347 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $81,000 | 5,423 |
| Income before extraordinary items | $185,000 | 7,534 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $185,000 | 7,536 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 4,007 |
| Cash dividends | $39,000 | 5,095 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $185,000 | 7,503 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $530,000 | 8,325 |
| Total interest expense | $162,000 | 8,096 |
| Net interest income | $368,000 | 8,361 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $79,000 | 7,428 |
| 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 | $26,000 | 7,352 |
| Total noninterest expense | $306,000 | 8,378 |
| Salaries and employee benefits | $194,000 | 8,232 |
| Premises and equipment expense | $24,000 | 8,492 |
| Additional noninterest expense | $88,000 | 8,332 |
| Pre-tax net operating income | $141,000 | 7,599 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $40,000 | 5,690 |
| Income before extraordinary items | $101,000 | 7,732 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $101,000 | 7,731 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 3,161 |
| Cash dividends | $39,000 | 4,820 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $101,000 | 7,684 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $262,000 | 8,413 |
| Total interest expense | $78,000 | 8,151 |
| Net interest income | $184,000 | 8,447 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $26,000 | 7,944 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $22,000 | 6,479 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $4,000 | 8,331 |
| Total noninterest expense | $155,000 | 8,446 |
| Salaries and employee benefits | $97,000 | 8,300 |
| Premises and equipment expense | $11,000 | 8,593 |
| Additional noninterest expense | $47,000 | 8,340 |
| Pre-tax net operating income | $55,000 | 7,831 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $12,000 | 5,990 |
| Income before extraordinary items | $43,000 | 7,879 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $43,000 | 7,879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 8,027 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $43,000 | 7,854 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,010,000 | 8,380 |
| Total interest expense | $290,000 | 8,146 |
| Net interest income | $720,000 | 8,413 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $134,000 | 7,760 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $75,000 | 6,866 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $59,000 | 7,212 |
| Total noninterest expense | $637,000 | 8,443 |
| Salaries and employee benefits | $404,000 | 8,291 |
| Premises and equipment expense | $52,000 | 8,576 |
| Additional noninterest expense | $181,000 | 8,425 |
| Pre-tax net operating income | $217,000 | 7,726 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $31,000 | 6,334 |
| Income before extraordinary items | $186,000 | 7,717 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $186,000 | 7,717 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 8,431 |
| Cash dividends | $55,000 | 5,795 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $186,000 | 7,677 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $741,000 | 8,446 |
| Total interest expense | $217,000 | 8,173 |
| Net interest income | $524,000 | 8,481 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $103,000 | 7,757 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $51,000 | 7,039 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $52,000 | 7,008 |
| Total noninterest expense | $456,000 | 8,502 |
| Salaries and employee benefits | $276,000 | 8,396 |
| Premises and equipment expense | $44,000 | 8,511 |
| Additional noninterest expense | $136,000 | 8,413 |
| Pre-tax net operating income | $171,000 | 7,825 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $27,000 | 6,358 |
| Income before extraordinary items | $144,000 | 7,817 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $144,000 | 7,820 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-32,000 | 8,534 |
| Cash dividends | $30,000 | 5,147 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $144,000 | 7,774 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $478,000 | 8,533 |
| Total interest expense | $146,000 | 8,230 |
| Net interest income | $332,000 | 8,580 |
| 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 | $30,000 | 7,195 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $49,000 | 6,460 |
| Total noninterest expense | $297,000 | 8,574 |
| Salaries and employee benefits | $186,000 | 8,442 |
| Premises and equipment expense | $25,000 | 8,656 |
| Additional noninterest expense | $86,000 | 8,519 |
| Pre-tax net operating income | $114,000 | 7,808 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $19,000 | 6,311 |
| Income before extraordinary items | $95,000 | 7,827 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $95,000 | 7,828 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,291 |
| Cash dividends | $30,000 | 4,858 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $95,000 | 7,760 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $241,000 | 8,579 |
| Total interest expense | $76,000 | 8,251 |
| Net interest income | $165,000 | 8,616 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $59,000 | 6,900 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $14,000 | 7,243 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $45,000 | 5,324 |
| Total noninterest expense | $162,000 | 8,526 |
| Salaries and employee benefits | $94,000 | 8,461 |
| Premises and equipment expense | $12,000 | 8,685 |
| Additional noninterest expense | $56,000 | 8,253 |
| Pre-tax net operating income | $62,000 | 7,733 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $11,000 | 6,197 |
| Income before extraordinary items | $51,000 | 7,763 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $51,000 | 7,763 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,358 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $51,000 | 7,699 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,050,000 | 8,537 |
| Total interest expense | $358,000 | 8,257 |
| Net interest income | $692,000 | 8,574 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $96,000 | 8,342 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $67,000 | 7,147 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $29,000 | 8,154 |
| Total noninterest expense | $637,000 | 8,576 |
| Salaries and employee benefits | $399,000 | 8,411 |
| Premises and equipment expense | $47,000 | 8,809 |
| Additional noninterest expense | $191,000 | 8,503 |
| Pre-tax net operating income | $151,000 | 7,997 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $15,000 | 6,905 |
| Income before extraordinary items | $136,000 | 8,067 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $136,000 | 8,069 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 3,987 |
| Cash dividends | $45,000 | 5,968 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $136,000 | 7,945 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $794,000 | 8,620 |
| Total interest expense | $278,000 | 8,344 |
| Net interest income | $516,000 | 8,648 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $77,000 | 8,333 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $54,000 | 7,102 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $23,000 | 8,129 |
| Total noninterest expense | $450,000 | 8,667 |
| Salaries and employee benefits | $265,000 | 8,588 |
| Premises and equipment expense | $39,000 | 8,772 |
| Additional noninterest expense | $146,000 | 8,491 |
| Pre-tax net operating income | $143,000 | 8,008 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $20,000 | 6,799 |
| Income before extraordinary items | $123,000 | 8,076 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $123,000 | 8,080 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 5,765 |
| Cash dividends | $20,000 | 5,358 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $123,000 | 7,942 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $527,000 | 8,670 |
| Total interest expense | $192,000 | 8,387 |
| Net interest income | $335,000 | 8,709 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $57,000 | 8,206 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $35,000 | 7,137 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $22,000 | 7,723 |
| Total noninterest expense | $309,000 | 8,644 |
| Salaries and employee benefits | $179,000 | 8,593 |
| Premises and equipment expense | $24,000 | 8,843 |
| Additional noninterest expense | $106,000 | 8,365 |
| Pre-tax net operating income | $83,000 | 8,135 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $9,000 | 7,001 |
| Income before extraordinary items | $74,000 | 8,194 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $74,000 | 8,196 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 5,047 |
| Cash dividends | $20,000 | 5,048 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $74,000 | 8,040 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $266,000 | 8,728 |
| Total interest expense | $96,000 | 8,473 |
| Net interest income | $170,000 | 8,736 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $37,000 | 7,862 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $17,000 | 7,137 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $20,000 | 6,924 |
| Total noninterest expense | $163,000 | 8,629 |
| Salaries and employee benefits | $90,000 | 8,635 |
| Premises and equipment expense | $9,000 | 9,017 |
| Additional noninterest expense | $64,000 | 8,103 |
| Pre-tax net operating income | $44,000 | 8,082 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $6,000 | 6,816 |
| Income before extraordinary items | $38,000 | 8,130 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $38,000 | 8,131 |
| 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 | $38,000 | 7,987 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,182,000 | 8,696 |
| Total interest expense | $480,000 | 8,436 |
| Net interest income | $702,000 | 8,740 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $88,000 | 8,542 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $77,000 | 6,996 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $11,000 | 8,861 |
| Total noninterest expense | $593,000 | 8,786 |
| Salaries and employee benefits | $376,000 | 8,595 |
| Premises and equipment expense | $43,000 | 9,009 |
| Additional noninterest expense | $174,000 | 8,724 |
| Pre-tax net operating income | $197,000 | 7,934 |
| Securities gains (losses) | $-262,000 | 9,216 |
| Applicable income taxes | $-48,000 | 8,984 |
| Income before extraordinary items | $-17,000 | 8,754 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-17,000 | 8,755 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,791 |
| Cash dividends | $56,000 | 5,913 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $150,680 | 7,982 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,320,000 | 8,887 |
| Total interest expense | $658,000 | 8,707 |
| Net interest income | $662,000 | 8,919 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $85,000 | 8,716 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $66,000 | 7,268 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $19,000 | 8,776 |
| Total noninterest expense | $589,000 | 8,964 |
| Salaries and employee benefits | $357,000 | 8,804 |
| Premises and equipment expense | $47,000 | 9,175 |
| Additional noninterest expense | $185,000 | 8,782 |
| Pre-tax net operating income | $158,000 | 8,073 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $21,000 | 7,291 |
| Income before extraordinary items | $137,000 | 8,111 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $137,000 | 8,112 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 6,947 |
| Cash dividends | $55,000 | 6,111 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $137,000 | 7,998 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,360,000 | 9,087 |
| Total interest expense | $659,000 | 8,937 |
| Net interest income | $701,000 | 9,119 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $73,000 | 8,990 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $61,000 | 7,374 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $12,000 | 9,315 |
| Total noninterest expense | $554,000 | 9,235 |
| Salaries and employee benefits | $337,000 | 9,072 |
| Premises and equipment expense | $54,000 | 9,291 |
| Additional noninterest expense | $163,000 | 9,133 |
| Pre-tax net operating income | $220,000 | 8,282 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $49,000 | 7,256 |
| Income before extraordinary items | $171,000 | 8,270 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $171,000 | 8,269 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 8,819 |
| Cash dividends | $57,000 | 6,346 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $171,000 | 8,275 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,306,000 | 9,300 |
| Total interest expense | $631,000 | 9,136 |
| Net interest income | $675,000 | 9,340 |
| Provision for loan and lease losses | $-80,000 | 10,084 |
| Total noninterest income | $67,000 | 9,338 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $57,000 | 7,665 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $10,000 | 9,728 |
| Total noninterest expense | $523,000 | 9,568 |
| Salaries and employee benefits | $320,000 | 9,355 |
| Premises and equipment expense | $47,000 | 9,694 |
| Additional noninterest expense | $156,000 | 9,465 |
| Pre-tax net operating income | $299,000 | 8,095 |
| Securities gains (losses) | $1,000 | 2,805 |
| Applicable income taxes | $80,000 | 7,195 |
| Income before extraordinary items | $220,000 | 8,149 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $220,000 | 8,147 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-68,000 | 9,981 |
| Cash dividends | $2,000 | 7,114 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $219,270 | 8,124 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,262,000 | 9,581 |
| Total interest expense | $634,000 | 9,388 |
| Net interest income | $628,000 | 9,668 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $64,000 | 9,621 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $54,000 | 7,935 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $10,000 | 9,972 |
| Total noninterest expense | $514,000 | 9,728 |
| Salaries and employee benefits | $331,000 | 9,415 |
| Premises and equipment expense | $36,000 | 10,092 |
| Additional noninterest expense | $147,000 | 9,685 |
| Pre-tax net operating income | $178,000 | 9,019 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $41,000 | 8,488 |
| Income before extraordinary items | $137,000 | 9,069 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $137,000 | 9,067 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 9,764 |
| Cash dividends | $18,000 | 7,288 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $137,000 | 9,004 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,174,000 | 10,099 |
| Total interest expense | $601,000 | 9,824 |
| Net interest income | $573,000 | 10,236 |
| Provision for loan and lease losses | $85,000 | 5,536 |
| Total noninterest income | $60,000 | 10,101 |
| 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 | $9,000 | 10,473 |
| Total noninterest expense | $484,000 | 10,180 |
| Salaries and employee benefits | $306,000 | 9,911 |
| Premises and equipment expense | $41,000 | 10,416 |
| Additional noninterest expense | $137,000 | 10,153 |
| Pre-tax net operating income | $64,000 | 10,197 |
| Securities gains (losses) | $5,000 | 2,787 |
| Applicable income taxes | $10,000 | 9,895 |
| Income before extraordinary items | $59,000 | 10,190 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $59,000 | 10,192 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 4,342 |
| Cash dividends | $14,000 | 7,695 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $54,700 | 10,180 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,171,000 | 10,567 |
| Total interest expense | $581,000 | 10,335 |
| Net interest income | $590,000 | 10,683 |
| Provision for loan and lease losses | $313,000 | 2,488 |
| Total noninterest income | $67,000 | 10,545 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $53,000 | 8,756 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $14,000 | 10,772 |
| Total noninterest expense | $468,000 | 10,707 |
| Salaries and employee benefits | $301,000 | 10,341 |
| Premises and equipment expense | $46,000 | 10,757 |
| Additional noninterest expense | $121,000 | 10,886 |
| Pre-tax net operating income | $-124,000 | 10,992 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $-59,000 | 11,093 |
| Income before extraordinary items | $-65,000 | 10,946 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-65,000 | 10,944 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $175,000 | 2,887 |
| Cash dividends | $13,000 | 8,160 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-65,000 | 10,904 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,251,000 | 10,914 |
| Total interest expense | $587,000 | 10,714 |
| Net interest income | $664,000 | 10,938 |
| Provision for loan and lease losses | $20,000 | 7,637 |
| Total noninterest income | $73,000 | 10,885 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $60,000 | 8,928 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $13,000 | 11,328 |
| Total noninterest expense | $439,000 | 11,296 |
| Salaries and employee benefits | $244,000 | 11,208 |
| Premises and equipment expense | $36,000 | 11,479 |
| Additional noninterest expense | $159,000 | 10,947 |
| Pre-tax net operating income | $278,000 | 9,917 |
| Securities gains (losses) | $-1,000 | 9,017 |
| Applicable income taxes | $77,000 | 9,650 |
| Income before extraordinary items | $200,000 | 9,928 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $200,000 | 9,932 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,320 |
| Cash dividends | $13,000 | 8,511 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $200,720 | 9,896 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,049,000 | 11,619 |
| Total interest expense | $473,000 | 11,217 |
| Net interest income | $576,000 | 11,779 |
| Provision for loan and lease losses | $20,000 | 7,754 |
| Total noninterest income | $67,000 | 11,559 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $52,000 | 9,629 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $15,000 | 11,783 |
| Total noninterest expense | $425,000 | 11,934 |
| Salaries and employee benefits | $230,000 | 11,838 |
| Premises and equipment expense | $28,000 | 12,262 |
| Additional noninterest expense | $167,000 | 11,561 |
| Pre-tax net operating income | $198,000 | 10,906 |
| Securities gains (losses) | $6,000 | 2,522 |
| Applicable income taxes | $49,000 | 10,496 |
| Income before extraordinary items | $155,000 | 10,754 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $155,000 | 10,759 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,352 |
| Cash dividends | $12,000 | 8,724 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $150,440 | 10,868 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,027,000 | 12,232 |
| Total interest expense | $440,000 | 12,010 |
| Net interest income | $587,000 | 12,264 |
| Provision for loan and lease losses | $15,000 | 9,365 |
| Total noninterest income | $61,000 | 12,280 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $48,000 | 10,145 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $13,000 | 12,543 |
| Total noninterest expense | $401,000 | 12,640 |
| Salaries and employee benefits | $223,000 | 12,426 |
| Premises and equipment expense | $32,000 | 12,790 |
| Additional noninterest expense | $146,000 | 12,476 |
| Pre-tax net operating income | $232,000 | 10,769 |
| Securities gains (losses) | $4,000 | 6,316 |
| Applicable income taxes | $73,000 | 10,384 |
| Income before extraordinary items | $163,000 | 11,048 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $163,000 | 11,137 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 11,292 |
| Cash dividends | $67,000 | 7,577 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $160,240 | 10,875 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,054,000 | 12,919 |
| Total interest expense | $489,000 | 12,810 |
| Net interest income | $565,000 | 12,862 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $46,000 | 13,204 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $33,000 | 10,969 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $13,000 | 13,144 |
| Total noninterest expense | $396,000 | 13,185 |
| Salaries and employee benefits | $208,000 | 13,070 |
| Premises and equipment expense | $31,000 | 13,377 |
| Additional noninterest expense | $157,000 | 12,839 |
| Pre-tax net operating income | $215,000 | 10,925 |
| Securities gains (losses) | $15,000 | 5,962 |
| Applicable income taxes | $71,000 | 10,691 |
| Income before extraordinary items | $159,000 | 11,147 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $159,000 | 11,235 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-22,000 | 13,128 |
| Cash dividends | $52,000 | 7,625 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $148,650 | 10,956 |
* 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.