Home > The Mercantile Savings Bank > Income and Expense
The Mercantile Savings Bank, Income and Expense
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $768,000 | 6,729 |
| Total interest expense | $305,000 | 6,353 |
| Net interest income | $463,000 | 6,878 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $80,000 | 6,074 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $80,000 | 4,150 |
| Total noninterest expense | $580,000 | 5,727 |
| Salaries and employee benefits | $325,000 | 5,686 |
| Premises and equipment expense | $171,000 | 3,403 |
| Additional noninterest expense | $84,000 | 7,422 |
| Pre-tax net operating income | $-37,000 | 8,351 |
| Securities gains (losses) | $4,000 | 719 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $-33,000 | 8,346 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-33,000 | 8,345 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $-37,000 | 8,343 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,972,000 | 6,610 |
| Total interest expense | $1,075,000 | 6,105 |
| Net interest income | $1,897,000 | 6,764 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $520,000 | 5,160 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $520,000 | 3,304 |
| Total noninterest expense | $2,415,000 | 5,487 |
| Salaries and employee benefits | $1,382,000 | 5,339 |
| Premises and equipment expense | $627,000 | 3,524 |
| Additional noninterest expense | $406,000 | 7,063 |
| Pre-tax net operating income | $2,000 | 8,235 |
| Securities gains (losses) | $127,000 | 630 |
| Applicable income taxes | $-14,000 | 8,479 |
| Income before extraordinary items | $143,000 | 7,823 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $143,000 | 7,823 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,766 |
| Cash dividends | $150,000 | 5,171 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $16,000 | 8,206 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,233,000 | 6,613 |
| Total interest expense | $793,000 | 6,035 |
| Net interest income | $1,440,000 | 6,771 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $347,000 | 5,445 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $347,000 | 3,540 |
| Total noninterest expense | $1,760,000 | 5,547 |
| Salaries and employee benefits | $997,000 | 5,430 |
| Premises and equipment expense | $461,000 | 3,576 |
| Additional noninterest expense | $302,000 | 7,085 |
| Pre-tax net operating income | $27,000 | 8,259 |
| Securities gains (losses) | $115,000 | 618 |
| Applicable income taxes | $-14,000 | 8,616 |
| Income before extraordinary items | $156,000 | 7,684 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $156,000 | 7,684 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,107 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $41,000 | 8,188 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,488,000 | 6,591 |
| Total interest expense | $518,000 | 5,946 |
| Net interest income | $970,000 | 6,737 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $232,000 | 5,412 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $232,000 | 3,499 |
| Total noninterest expense | $1,166,000 | 5,560 |
| Salaries and employee benefits | $663,000 | 5,421 |
| Premises and equipment expense | $305,000 | 3,577 |
| Additional noninterest expense | $198,000 | 7,109 |
| Pre-tax net operating income | $36,000 | 8,204 |
| Securities gains (losses) | $71,000 | 681 |
| Applicable income taxes | $-14,000 | 8,639 |
| Income before extraordinary items | $121,000 | 7,578 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $121,000 | 7,578 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 4,392 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $50,000 | 8,074 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $727,000 | 6,648 |
| Total interest expense | $265,000 | 5,815 |
| Net interest income | $462,000 | 6,909 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $125,000 | 5,157 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $125,000 | 3,316 |
| Total noninterest expense | $596,000 | 5,536 |
| Salaries and employee benefits | $349,000 | 5,296 |
| Premises and equipment expense | $154,000 | 3,579 |
| Additional noninterest expense | $93,000 | 7,297 |
| Pre-tax net operating income | $-9,000 | 8,472 |
| Securities gains (losses) | $38,000 | 620 |
| Applicable income taxes | $-14,000 | 8,717 |
| 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 | $10,000 | 3,216 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $5,000 | 8,382 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,128,000 | 6,307 |
| Total interest expense | $1,180,000 | 5,163 |
| Net interest income | $1,948,000 | 6,694 |
| Provision for loan and lease losses | $-643,000 | 8,915 |
| Total noninterest income | $442,000 | 5,569 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $442,000 | 3,540 |
| Total noninterest expense | $2,566,000 | 5,212 |
| Salaries and employee benefits | $1,508,000 | 4,929 |
| Premises and equipment expense | $595,000 | 3,553 |
| Additional noninterest expense | $463,000 | 6,778 |
| Pre-tax net operating income | $467,000 | 6,812 |
| Securities gains (losses) | $290,000 | 656 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $757,000 | 5,394 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $757,000 | 5,396 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 5,148 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $467,000 | 6,419 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,311,000 | 6,353 |
| Total interest expense | $906,000 | 5,067 |
| Net interest income | $1,405,000 | 6,815 |
| Provision for loan and lease losses | $-443,000 | 8,964 |
| Total noninterest income | $328,000 | 5,620 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $328,000 | 3,568 |
| Total noninterest expense | $1,905,000 | 5,204 |
| Salaries and employee benefits | $1,110,000 | 4,950 |
| Premises and equipment expense | $443,000 | 3,588 |
| Additional noninterest expense | $352,000 | 6,704 |
| Pre-tax net operating income | $271,000 | 7,373 |
| Securities gains (losses) | $238,000 | 689 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $509,000 | 5,772 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $509,000 | 5,772 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 4,285 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $271,000 | 7,016 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,571,000 | 6,317 |
| Total interest expense | $619,000 | 5,014 |
| Net interest income | $952,000 | 6,790 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $200,000 | 5,820 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $200,000 | 3,732 |
| Total noninterest expense | $1,228,000 | 5,356 |
| Salaries and employee benefits | $693,000 | 5,208 |
| Premises and equipment expense | $296,000 | 3,593 |
| Additional noninterest expense | $239,000 | 6,676 |
| Pre-tax net operating income | $-76,000 | 8,664 |
| Securities gains (losses) | $192,000 | 664 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $116,000 | 7,625 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $116,000 | 7,627 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 3,529 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-76,000 | 8,666 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $785,000 | 6,337 |
| Total interest expense | $319,000 | 4,985 |
| Net interest income | $466,000 | 6,882 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $101,000 | 5,747 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $101,000 | 3,702 |
| Total noninterest expense | $605,000 | 5,427 |
| Salaries and employee benefits | $342,000 | 5,275 |
| Premises and equipment expense | $137,000 | 3,844 |
| Additional noninterest expense | $126,000 | 6,532 |
| Pre-tax net operating income | $-38,000 | 8,699 |
| Securities gains (losses) | $73,000 | 971 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $35,000 | 8,063 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $35,000 | 8,064 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 3,677 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-38,000 | 8,701 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,737,000 | 5,866 |
| Total interest expense | $1,640,000 | 4,622 |
| Net interest income | $2,097,000 | 6,438 |
| Provision for loan and lease losses | $45,000 | 6,412 |
| Total noninterest income | $-32,000 | 9,169 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $-32,000 | 9,141 |
| Total noninterest expense | $2,568,000 | 5,127 |
| Salaries and employee benefits | $1,406,000 | 5,081 |
| Premises and equipment expense | $577,000 | 3,642 |
| Additional noninterest expense | $585,000 | 6,069 |
| Pre-tax net operating income | $-548,000 | 8,842 |
| Securities gains (losses) | $1,809,000 | 317 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $1,261,000 | 4,008 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,261,000 | 4,009 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 5,824 |
| Cash dividends | $900,000 | 2,492 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-548,000 | 8,864 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,920,000 | 5,810 |
| Total interest expense | $1,290,000 | 4,597 |
| Net interest income | $1,630,000 | 6,388 |
| Provision for loan and lease losses | $45,000 | 5,860 |
| Total noninterest income | $-89,000 | 9,226 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-89,000 | 9,228 |
| Total noninterest expense | $1,902,000 | 5,150 |
| Salaries and employee benefits | $1,005,000 | 5,233 |
| Premises and equipment expense | $437,000 | 3,609 |
| Additional noninterest expense | $460,000 | 5,906 |
| Pre-tax net operating income | $-406,000 | 8,918 |
| Securities gains (losses) | $1,734,000 | 308 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $1,328,000 | 3,240 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,328,000 | 3,239 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 5,436 |
| Cash dividends | $900,000 | 1,869 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-406,000 | 8,933 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,028,000 | 5,688 |
| Total interest expense | $892,000 | 4,607 |
| Net interest income | $1,136,000 | 6,252 |
| Provision for loan and lease losses | $30,000 | 5,740 |
| Total noninterest income | $-81,000 | 9,257 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $-81,000 | 9,259 |
| Total noninterest expense | $1,257,000 | 5,183 |
| Salaries and employee benefits | $670,000 | 5,244 |
| Premises and equipment expense | $289,000 | 3,615 |
| Additional noninterest expense | $298,000 | 5,997 |
| Pre-tax net operating income | $-232,000 | 8,953 |
| Securities gains (losses) | $1,151,000 | 334 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $919,000 | 3,163 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $919,000 | 3,162 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,006 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-232,000 | 8,961 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,039,000 | 5,644 |
| Total interest expense | $461,000 | 4,598 |
| Net interest income | $578,000 | 6,172 |
| Provision for loan and lease losses | $15,000 | 5,504 |
| Total noninterest income | $-1,000 | 9,285 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $-1,000 | 9,255 |
| Total noninterest expense | $595,000 | 5,366 |
| Salaries and employee benefits | $323,000 | 5,379 |
| Premises and equipment expense | $136,000 | 3,779 |
| Additional noninterest expense | $136,000 | 6,282 |
| Pre-tax net operating income | $-33,000 | 8,843 |
| Securities gains (losses) | $420,000 | 404 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $387,000 | 3,545 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $387,000 | 3,543 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,853 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-33,000 | 8,820 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,417,000 | 5,594 |
| Total interest expense | $2,421,000 | 4,210 |
| Net interest income | $1,996,000 | 6,642 |
| Provision for loan and lease losses | $60,000 | 6,444 |
| Total noninterest income | $495,000 | 5,247 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $495,000 | 3,299 |
| Total noninterest expense | $2,502,000 | 5,088 |
| Salaries and employee benefits | $1,355,000 | 5,056 |
| Premises and equipment expense | $600,000 | 3,416 |
| Additional noninterest expense | $547,000 | 6,249 |
| Pre-tax net operating income | $-71,000 | 8,731 |
| Securities gains (losses) | $934,000 | 442 |
| Applicable income taxes | $-269,000 | 9,171 |
| Income before extraordinary items | $1,132,000 | 4,243 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,132,000 | 4,244 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 6,985 |
| Cash dividends | $1,388,000 | 1,751 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $198,000 | 7,743 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,192,000 | 5,490 |
| Total interest expense | $3,322,000 | 4,377 |
| Net interest income | $1,870,000 | 6,666 |
| Provision for loan and lease losses | $60,000 | 6,353 |
| Total noninterest income | $820,000 | 3,788 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $820,000 | 2,350 |
| Total noninterest expense | $2,124,000 | 5,516 |
| Salaries and employee benefits | $1,206,000 | 5,310 |
| Premises and equipment expense | $524,000 | 3,732 |
| Additional noninterest expense | $394,000 | 7,194 |
| Pre-tax net operating income | $506,000 | 6,522 |
| Securities gains (losses) | $358,000 | 791 |
| Applicable income taxes | $337,000 | 4,052 |
| Income before extraordinary items | $527,000 | 5,942 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $527,000 | 5,943 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,166 |
| Cash dividends | $337,000 | 4,197 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $297,880 | 7,040 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,362,000 | 5,481 |
| Total interest expense | $3,164,000 | 4,721 |
| Net interest income | $2,198,000 | 6,277 |
| Provision for loan and lease losses | $40,000 | 6,852 |
| Total noninterest income | $459,000 | 5,129 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $459,000 | 3,085 |
| Total noninterest expense | $2,243,000 | 5,267 |
| Salaries and employee benefits | $1,253,000 | 5,035 |
| Premises and equipment expense | $412,000 | 4,413 |
| Additional noninterest expense | $578,000 | 5,918 |
| Pre-tax net operating income | $374,000 | 7,582 |
| Securities gains (losses) | $178,000 | 437 |
| Applicable income taxes | $130,000 | 6,160 |
| Income before extraordinary items | $422,000 | 6,716 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $422,000 | 6,715 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,205 |
| Cash dividends | $302,000 | 4,457 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $286,720 | 7,556 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,944,000 | 5,620 |
| Total interest expense | $2,781,000 | 4,879 |
| Net interest income | $2,163,000 | 6,353 |
| Provision for loan and lease losses | $60,000 | 6,124 |
| Total noninterest income | $622,000 | 4,321 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $622,000 | 2,573 |
| Total noninterest expense | $2,735,000 | 4,551 |
| Salaries and employee benefits | $1,622,000 | 4,075 |
| Premises and equipment expense | $371,000 | 4,764 |
| Additional noninterest expense | $742,000 | 5,047 |
| Pre-tax net operating income | $-10,000 | 9,437 |
| Securities gains (losses) | $602,000 | 306 |
| Applicable income taxes | $189,000 | 5,822 |
| Income before extraordinary items | $403,000 | 6,976 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $403,000 | 6,974 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 5,123 |
| Cash dividends | $350,000 | 4,197 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-6,360 | 9,424 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,880,000 | 5,778 |
| Total interest expense | $2,725,000 | 5,063 |
| Net interest income | $2,155,000 | 6,375 |
| Provision for loan and lease losses | $60,000 | 6,123 |
| Total noninterest income | $826,000 | 3,541 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $826,000 | 2,123 |
| Total noninterest expense | $2,422,000 | 4,877 |
| Salaries and employee benefits | $1,459,000 | 4,329 |
| Premises and equipment expense | $396,000 | 4,453 |
| Additional noninterest expense | $567,000 | 5,968 |
| Pre-tax net operating income | $499,000 | 7,370 |
| Securities gains (losses) | $383,000 | 643 |
| Applicable income taxes | $367,000 | 4,646 |
| Income before extraordinary items | $515,000 | 6,520 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $515,000 | 6,518 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,603 |
| Cash dividends | $950,000 | 2,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $269,880 | 8,037 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,863,000 | 5,913 |
| Total interest expense | $2,729,000 | 5,073 |
| Net interest income | $2,134,000 | 6,651 |
| Provision for loan and lease losses | $60,000 | 6,153 |
| Total noninterest income | $577,000 | 4,536 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $577,000 | 2,557 |
| Total noninterest expense | $1,928,000 | 5,794 |
| Salaries and employee benefits | $1,151,000 | 5,274 |
| Premises and equipment expense | $384,000 | 4,589 |
| Additional noninterest expense | $393,000 | 7,416 |
| Pre-tax net operating income | $723,000 | 6,882 |
| Securities gains (losses) | $33,000 | 1,577 |
| Applicable income taxes | $282,000 | 5,899 |
| Income before extraordinary items | $474,000 | 7,141 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $474,000 | 7,143 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,735 |
| Cash dividends | $250,000 | 4,919 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $452,880 | 7,239 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,585,000 | 6,310 |
| Total interest expense | $2,547,000 | 5,433 |
| Net interest income | $2,038,000 | 7,064 |
| Provision for loan and lease losses | $84,000 | 5,516 |
| Total noninterest income | $595,000 | 4,594 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $595,000 | 2,584 |
| Total noninterest expense | $2,136,000 | 5,664 |
| Salaries and employee benefits | $966,000 | 6,145 |
| Premises and equipment expense | $365,000 | 4,881 |
| Additional noninterest expense | $805,000 | 5,174 |
| Pre-tax net operating income | $413,000 | 8,435 |
| Securities gains (losses) | $50,000 | 1,326 |
| Applicable income taxes | $219,000 | 6,854 |
| Income before extraordinary items | $244,000 | 8,885 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $244,000 | 8,888 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 7,597 |
| Cash dividends | $269,000 | 4,808 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $212,000 | 9,132 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,489,000 | 6,473 |
| Total interest expense | $2,486,000 | 5,596 |
| Net interest income | $2,003,000 | 7,307 |
| Provision for loan and lease losses | $84,000 | 4,983 |
| Total noninterest income | $451,000 | 5,539 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $451,000 | 3,065 |
| Total noninterest expense | $1,723,000 | 6,672 |
| Salaries and employee benefits | $821,000 | 6,986 |
| Premises and equipment expense | $416,000 | 4,373 |
| Additional noninterest expense | $486,000 | 7,375 |
| Pre-tax net operating income | $647,000 | 7,602 |
| Securities gains (losses) | $12,000 | 2,250 |
| Applicable income taxes | $268,000 | 6,400 |
| Income before extraordinary items | $391,000 | 8,147 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $391,000 | 8,147 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 10,150 |
| Cash dividends | $149,000 | 6,130 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $383,320 | 8,196 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,989,000 | 6,707 |
| Total interest expense | $1,919,000 | 5,796 |
| Net interest income | $2,070,000 | 7,403 |
| Provision for loan and lease losses | $84,000 | 4,941 |
| Total noninterest income | $665,000 | 4,295 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $665,000 | 2,419 |
| Total noninterest expense | $1,734,000 | 6,889 |
| Salaries and employee benefits | $849,000 | 6,930 |
| Premises and equipment expense | $422,000 | 4,385 |
| Additional noninterest expense | $463,000 | 8,210 |
| Pre-tax net operating income | $917,000 | 6,313 |
| Securities gains (losses) | $97,000 | 786 |
| Applicable income taxes | $394,000 | 4,811 |
| Income before extraordinary items | $620,000 | 6,396 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $620,000 | 6,412 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,704 |
| Cash dividends | $175,000 | 5,766 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $557,920 | 6,899 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,434,000 | 6,380 |
| Total interest expense | $2,097,000 | 5,614 |
| Net interest income | $2,337,000 | 6,853 |
| Provision for loan and lease losses | $85,000 | 6,189 |
| Total noninterest income | $558,000 | 5,201 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $558,000 | 3,022 |
| Total noninterest expense | $1,801,000 | 6,887 |
| Salaries and employee benefits | $879,000 | 6,841 |
| Premises and equipment expense | $435,000 | 4,387 |
| Additional noninterest expense | $487,000 | 8,354 |
| Pre-tax net operating income | $1,009,000 | 5,859 |
| Securities gains (losses) | $444,000 | 978 |
| Applicable income taxes | $611,000 | 3,541 |
| Income before extraordinary items | $842,000 | 5,346 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $842,000 | 5,489 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 9,724 |
| Cash dividends | $250,000 | 4,831 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $557,840 | 6,838 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,255,000 | 6,134 |
| Total interest expense | $2,769,000 | 5,515 |
| Net interest income | $2,486,000 | 6,632 |
| Provision for loan and lease losses | $354,000 | 3,754 |
| Total noninterest income | $520,000 | 5,499 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $520,000 | 3,107 |
| Total noninterest expense | $2,426,000 | 5,447 |
| Salaries and employee benefits | $1,486,000 | 4,267 |
| Premises and equipment expense | $430,000 | 4,531 |
| Additional noninterest expense | $510,000 | 8,364 |
| Pre-tax net operating income | $226,000 | 10,833 |
| Securities gains (losses) | $440,000 | 1,191 |
| Applicable income taxes | $275,000 | 6,284 |
| Income before extraordinary items | $391,000 | 8,309 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $391,000 | 8,434 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 10,255 |
| Cash dividends | $80,000 | 6,992 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $109,400 | 11,511 |
* 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.