Home > The Merchants & Farmers Bank > Income and Expense
The Merchants & Farmers Bank, Income and Expense
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $124,000 | 7,477 |
| Total interest expense | $21,000 | 7,446 |
| Net interest income | $103,000 | 7,476 |
| Provision for loan and lease losses | $0 | 6,217 |
| Total noninterest income | $76,000 | 6,184 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $34,000 | 6,037 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $42,000 | 5,630 |
| Total noninterest expense | $250,000 | 7,385 |
| Salaries and employee benefits | $86,000 | 7,456 |
| Premises and equipment expense | $31,000 | 7,224 |
| Additional noninterest expense | $133,000 | 7,086 |
| Pre-tax net operating income | $-71,000 | 6,369 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-71,000 | 6,463 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-71,000 | 6,463 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-71,000 | 6,463 |
| Net charge-offs | $-8,000 | 6,966 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-71,000 | 6,415 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $66,000 | 7,538 |
| Total interest expense | $10,000 | 7,512 |
| Net interest income | $56,000 | 7,532 |
| Provision for loan and lease losses | $0 | 5,840 |
| Total noninterest income | $60,000 | 5,716 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $18,000 | 5,934 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $42,000 | 4,925 |
| Total noninterest expense | $145,000 | 7,388 |
| Salaries and employee benefits | $48,000 | 7,495 |
| Premises and equipment expense | $16,000 | 7,255 |
| Additional noninterest expense | $81,000 | 6,956 |
| Pre-tax net operating income | $-29,000 | 6,503 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-29,000 | 6,526 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-29,000 | 6,526 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-29,000 | 6,526 |
| Net charge-offs | $-2,000 | 6,441 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-29,000 | 6,515 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $332,000 | 7,594 |
| Total interest expense | $51,000 | 7,578 |
| Net interest income | $281,000 | 7,580 |
| Provision for loan and lease losses | $0 | 7,042 |
| Total noninterest income | $105,000 | 6,638 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $80,000 | 5,772 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $25,000 | 6,514 |
| Total noninterest expense | $472,000 | 7,539 |
| Salaries and employee benefits | $175,000 | 7,591 |
| Premises and equipment expense | $74,000 | 7,288 |
| Additional noninterest expense | $223,000 | 7,334 |
| Pre-tax net operating income | $-86,000 | 5,918 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $-86,000 | 6,064 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-86,000 | 6,064 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-86,000 | 6,064 |
| Net charge-offs | $2,000 | 6,772 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-86,000 | 5,982 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $255,000 | 7,707 |
| Total interest expense | $39,000 | 7,689 |
| Net interest income | $216,000 | 7,693 |
| Provision for loan and lease losses | $22,000 | 6,639 |
| Total noninterest income | $86,000 | 6,696 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $62,000 | 5,806 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $24,000 | 6,554 |
| Total noninterest expense | $353,000 | 7,638 |
| Salaries and employee benefits | $134,000 | 7,694 |
| Premises and equipment expense | $52,000 | 7,400 |
| Additional noninterest expense | $167,000 | 7,423 |
| Pre-tax net operating income | $-73,000 | 6,125 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-73,000 | 6,270 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-73,000 | 6,271 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-73,000 | 6,271 |
| Net charge-offs | $26,000 | 5,891 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-73,000 | 6,162 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $167,000 | 7,775 |
| Total interest expense | $27,000 | 7,759 |
| Net interest income | $140,000 | 7,765 |
| Provision for loan and lease losses | $20,000 | 6,391 |
| Total noninterest income | $46,000 | 6,918 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $42,000 | 5,813 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $4,000 | 7,074 |
| Total noninterest expense | $220,000 | 7,723 |
| Salaries and employee benefits | $90,000 | 7,760 |
| Premises and equipment expense | $37,000 | 7,414 |
| Additional noninterest expense | $93,000 | 7,606 |
| Pre-tax net operating income | $-54,000 | 6,186 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-54,000 | 6,320 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-54,000 | 6,322 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-54,000 | 6,320 |
| Net charge-offs | $32,000 | 5,227 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-54,000 | 6,230 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $82,000 | 7,882 |
| Total interest expense | $14,000 | 7,860 |
| Net interest income | $68,000 | 7,868 |
| Provision for loan and lease losses | $0 | 6,552 |
| Total noninterest income | $17,000 | 7,213 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $16,000 | 6,154 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $1,000 | 7,328 |
| Total noninterest expense | $137,000 | 7,764 |
| Salaries and employee benefits | $48,000 | 7,846 |
| Premises and equipment expense | $25,000 | 7,282 |
| Additional noninterest expense | $64,000 | 7,467 |
| Pre-tax net operating income | $-52,000 | 6,503 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-52,000 | 6,624 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-52,000 | 6,626 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-52,000 | 6,625 |
| Net charge-offs | $-2,000 | 7,007 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-52,000 | 6,547 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $399,000 | 7,941 |
| Total interest expense | $74,000 | 7,929 |
| Net interest income | $325,000 | 7,914 |
| Provision for loan and lease losses | $0 | 7,427 |
| Total noninterest income | $79,000 | 7,161 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $66,000 | 6,233 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $13,000 | 7,117 |
| Total noninterest expense | $477,000 | 7,893 |
| Salaries and employee benefits | $218,000 | 7,917 |
| Premises and equipment expense | $87,000 | 7,488 |
| Additional noninterest expense | $172,000 | 7,828 |
| Pre-tax net operating income | $-73,000 | 5,543 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $-12,000 | 6,256 |
| Income before extraordinary items | $-61,000 | 5,643 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-61,000 | 5,641 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-61,000 | 5,641 |
| Net charge-offs | $14,000 | 6,799 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-61,000 | 5,620 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $301,000 | 8,021 |
| Total interest expense | $60,000 | 8,011 |
| Net interest income | $241,000 | 8,004 |
| Provision for loan and lease losses | $0 | 7,284 |
| Total noninterest income | $59,000 | 7,297 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $51,000 | 6,242 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $8,000 | 7,336 |
| Total noninterest expense | $350,000 | 7,969 |
| Salaries and employee benefits | $170,000 | 7,979 |
| Premises and equipment expense | $61,000 | 7,610 |
| Additional noninterest expense | $119,000 | 7,932 |
| Pre-tax net operating income | $-50,000 | 5,792 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $-5,000 | 6,609 |
| Income before extraordinary items | $-45,000 | 5,874 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-45,000 | 5,874 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-45,000 | 5,874 |
| Net charge-offs | $9,000 | 6,555 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-45,000 | 5,823 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $197,000 | 8,114 |
| Total interest expense | $44,000 | 8,093 |
| Net interest income | $153,000 | 8,089 |
| Provision for loan and lease losses | $0 | 7,158 |
| Total noninterest income | $37,000 | 7,392 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $33,000 | 6,301 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $4,000 | 7,529 |
| Total noninterest expense | $241,000 | 8,046 |
| Salaries and employee benefits | $112,000 | 8,073 |
| Premises and equipment expense | $42,000 | 7,657 |
| Additional noninterest expense | $87,000 | 7,956 |
| Pre-tax net operating income | $-51,000 | 5,964 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-5,000 | 6,750 |
| Income before extraordinary items | $-46,000 | 6,055 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-46,000 | 6,055 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-46,000 | 6,055 |
| Net charge-offs | $10,000 | 5,988 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-46,000 | 5,994 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $106,000 | 8,169 |
| Total interest expense | $23,000 | 8,147 |
| Net interest income | $83,000 | 8,136 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $19,000 | 7,454 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $17,000 | 6,257 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $2,000 | 7,617 |
| Total noninterest expense | $109,000 | 8,124 |
| Salaries and employee benefits | $55,000 | 8,131 |
| Premises and equipment expense | $20,000 | 7,727 |
| Additional noninterest expense | $34,000 | 8,066 |
| Pre-tax net operating income | $-7,000 | 6,279 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-1,000 | 7,065 |
| Income before extraordinary items | $-6,000 | 6,437 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-6,000 | 6,437 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-6,000 | 6,438 |
| Net charge-offs | $3,000 | 5,319 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-6,000 | 6,296 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $431,000 | 8,201 |
| Total interest expense | $108,000 | 8,184 |
| Net interest income | $323,000 | 8,183 |
| Provision for loan and lease losses | $18,000 | 7,049 |
| Total noninterest income | $80,000 | 7,496 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $69,000 | 6,353 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $11,000 | 7,663 |
| Total noninterest expense | $420,000 | 8,179 |
| Salaries and employee benefits | $205,000 | 8,198 |
| Premises and equipment expense | $64,000 | 7,936 |
| Additional noninterest expense | $151,000 | 8,075 |
| Pre-tax net operating income | $-35,000 | 6,389 |
| Securities gains (losses) | $4,000 | 2,823 |
| Applicable income taxes | $-4,000 | 6,751 |
| Income before extraordinary items | $-27,000 | 6,282 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-27,000 | 6,282 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 6,675 |
| Cash dividends | $2,000 | 5,448 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-30,480 | 6,431 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $339,000 | 8,293 |
| Total interest expense | $82,000 | 8,269 |
| Net interest income | $257,000 | 8,269 |
| Provision for loan and lease losses | $14,000 | 6,656 |
| Total noninterest income | $59,000 | 7,648 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $51,000 | 6,424 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $8,000 | 7,837 |
| Total noninterest expense | $289,000 | 8,268 |
| Salaries and employee benefits | $150,000 | 8,273 |
| Premises and equipment expense | $46,000 | 8,025 |
| Additional noninterest expense | $93,000 | 8,216 |
| Pre-tax net operating income | $13,000 | 6,698 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $2,000 | 5,168 |
| Income before extraordinary items | $11,000 | 6,560 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $11,000 | 6,558 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 5,309 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $11,000 | 6,728 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $231,000 | 8,358 |
| Total interest expense | $56,000 | 8,336 |
| Net interest income | $175,000 | 8,330 |
| Provision for loan and lease losses | $8,000 | 6,387 |
| Total noninterest income | $37,000 | 7,743 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $34,000 | 6,431 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $3,000 | 8,035 |
| Total noninterest expense | $189,000 | 8,340 |
| Salaries and employee benefits | $101,000 | 8,347 |
| Premises and equipment expense | $29,000 | 8,097 |
| Additional noninterest expense | $59,000 | 8,289 |
| Pre-tax net operating income | $15,000 | 6,852 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $2,000 | 5,394 |
| Income before extraordinary items | $13,000 | 6,928 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $13,000 | 6,928 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,312 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $13,000 | 6,879 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $117,000 | 8,414 |
| Total interest expense | $27,000 | 8,383 |
| Net interest income | $90,000 | 8,381 |
| Provision for loan and lease losses | $5,000 | 5,755 |
| Total noninterest income | $18,000 | 7,776 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $17,000 | 6,420 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $1,000 | 8,110 |
| Total noninterest expense | $93,000 | 8,387 |
| Salaries and employee benefits | $49,000 | 8,388 |
| Premises and equipment expense | $7,000 | 8,354 |
| Additional noninterest expense | $37,000 | 8,220 |
| Pre-tax net operating income | $10,000 | 7,055 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $1,000 | 5,476 |
| Income before extraordinary items | $9,000 | 7,157 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $9,000 | 7,158 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,249 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $9,000 | 7,070 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $479,000 | 8,406 |
| Total interest expense | $109,000 | 8,387 |
| Net interest income | $370,000 | 8,373 |
| Provision for loan and lease losses | $16,000 | 6,415 |
| Total noninterest income | $94,000 | 7,626 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $85,000 | 6,238 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $9,000 | 8,086 |
| Total noninterest expense | $412,000 | 8,409 |
| Salaries and employee benefits | $210,000 | 8,418 |
| Premises and equipment expense | $33,000 | 8,373 |
| Additional noninterest expense | $169,000 | 8,170 |
| Pre-tax net operating income | $36,000 | 7,330 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $6,000 | 5,740 |
| Income before extraordinary items | $30,000 | 7,397 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $30,000 | 7,396 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,999 |
| Cash dividends | $2,000 | 5,814 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $30,000 | 7,368 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $363,000 | 8,447 |
| Total interest expense | $82,000 | 8,417 |
| Net interest income | $281,000 | 8,414 |
| Provision for loan and lease losses | $12,000 | 6,108 |
| Total noninterest income | $72,000 | 7,647 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $66,000 | 6,215 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $6,000 | 8,162 |
| Total noninterest expense | $299,000 | 8,420 |
| Salaries and employee benefits | $154,000 | 8,427 |
| Premises and equipment expense | $20,000 | 8,430 |
| Additional noninterest expense | $125,000 | 8,158 |
| Pre-tax net operating income | $42,000 | 7,528 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $7,000 | 5,819 |
| Income before extraordinary items | $35,000 | 7,549 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $35,000 | 7,547 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 5,200 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $35,000 | 7,535 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $245,000 | 8,517 |
| Total interest expense | $55,000 | 8,476 |
| Net interest income | $190,000 | 8,479 |
| Provision for loan and lease losses | $6,000 | 5,907 |
| Total noninterest income | $47,000 | 7,728 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $44,000 | 6,262 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $3,000 | 8,264 |
| Total noninterest expense | $191,000 | 8,488 |
| Salaries and employee benefits | $105,000 | 8,478 |
| Premises and equipment expense | $27,000 | 8,257 |
| Additional noninterest expense | $59,000 | 8,429 |
| Pre-tax net operating income | $40,000 | 7,577 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $5,000 | 5,893 |
| Income before extraordinary items | $35,000 | 7,587 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $35,000 | 7,586 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 4,518 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $35,000 | 7,576 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $120,000 | 8,568 |
| Total interest expense | $27,000 | 8,531 |
| Net interest income | $93,000 | 8,545 |
| Provision for loan and lease losses | $2,000 | 5,657 |
| Total noninterest income | $22,000 | 7,786 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $21,000 | 6,298 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $1,000 | 8,340 |
| Total noninterest expense | $89,000 | 8,540 |
| Salaries and employee benefits | $49,000 | 8,536 |
| Premises and equipment expense | $11,000 | 8,362 |
| Additional noninterest expense | $29,000 | 8,463 |
| Pre-tax net operating income | $24,000 | 7,610 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $2,000 | 5,948 |
| Income before extraordinary items | $22,000 | 7,590 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $22,000 | 7,589 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,563 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $22,000 | 7,573 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $440,000 | 8,564 |
| Total interest expense | $94,000 | 8,538 |
| Net interest income | $346,000 | 8,535 |
| Provision for loan and lease losses | $22,000 | 6,257 |
| Total noninterest income | $108,000 | 7,654 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $90,000 | 6,285 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $18,000 | 8,036 |
| Total noninterest expense | $402,000 | 8,532 |
| Salaries and employee benefits | $217,000 | 8,529 |
| Premises and equipment expense | $46,000 | 8,392 |
| Additional noninterest expense | $139,000 | 8,407 |
| Pre-tax net operating income | $30,000 | 7,881 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,000 | 6,499 |
| Income before extraordinary items | $29,000 | 7,899 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $29,000 | 7,901 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 4,423 |
| Cash dividends | $3,000 | 5,931 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $29,000 | 7,887 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $337,000 | 8,624 |
| Total interest expense | $68,000 | 8,602 |
| Net interest income | $269,000 | 8,590 |
| Provision for loan and lease losses | $20,000 | 5,975 |
| Total noninterest income | $78,000 | 7,776 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $69,000 | 6,336 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $9,000 | 8,272 |
| Total noninterest expense | $289,000 | 8,593 |
| Salaries and employee benefits | $160,000 | 8,585 |
| Premises and equipment expense | $37,000 | 8,416 |
| Additional noninterest expense | $92,000 | 8,526 |
| Pre-tax net operating income | $38,000 | 7,992 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $4,000 | 6,438 |
| Income before extraordinary items | $34,000 | 8,019 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $34,000 | 8,020 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 3,782 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $34,000 | 8,005 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $221,000 | 8,680 |
| Total interest expense | $43,000 | 8,646 |
| Net interest income | $178,000 | 8,647 |
| Provision for loan and lease losses | $19,000 | 5,586 |
| Total noninterest income | $36,000 | 8,152 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $42,000 | 6,470 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $-6,000 | 8,752 |
| Total noninterest expense | $190,000 | 8,640 |
| Salaries and employee benefits | $113,000 | 8,602 |
| Premises and equipment expense | $25,000 | 8,440 |
| Additional noninterest expense | $52,000 | 8,626 |
| Pre-tax net operating income | $5,000 | 8,145 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $2,000 | 6,505 |
| Income before extraordinary items | $3,000 | 8,159 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,000 | 8,160 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 2,743 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $3,000 | 8,151 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $106,000 | 8,711 |
| Total interest expense | $19,000 | 8,675 |
| Net interest income | $87,000 | 8,673 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $9,000 | 8,456 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $19,000 | 6,578 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $-10,000 | 8,764 |
| Total noninterest expense | $88,000 | 8,675 |
| Salaries and employee benefits | $46,000 | 8,686 |
| Premises and equipment expense | $13,000 | 8,407 |
| Additional noninterest expense | $29,000 | 8,598 |
| Pre-tax net operating income | $8,000 | 8,139 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $8,000 | 8,130 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $8,000 | 8,130 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 1,641 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $8,000 | 8,119 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $415,000 | 8,672 |
| Total interest expense | $77,000 | 8,660 |
| Net interest income | $338,000 | 8,648 |
| Provision for loan and lease losses | $16,000 | 6,605 |
| Total noninterest income | $69,000 | 8,259 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $79,000 | 6,599 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $-10,000 | 8,796 |
| Total noninterest expense | $380,000 | 8,686 |
| Salaries and employee benefits | $201,000 | 8,684 |
| Premises and equipment expense | $64,000 | 8,289 |
| Additional noninterest expense | $115,000 | 8,651 |
| Pre-tax net operating income | $11,000 | 8,212 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $2,000 | 6,781 |
| Income before extraordinary items | $9,000 | 8,250 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $9,000 | 8,251 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 4,615 |
| Cash dividends | $2,000 | 6,047 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $9,000 | 8,223 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $309,000 | 8,730 |
| Total interest expense | $59,000 | 8,704 |
| Net interest income | $250,000 | 8,709 |
| Provision for loan and lease losses | $16,000 | 6,296 |
| Total noninterest income | $46,000 | 8,376 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $59,000 | 6,651 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $-13,000 | 8,833 |
| Total noninterest expense | $263,000 | 8,719 |
| Salaries and employee benefits | $145,000 | 8,703 |
| Premises and equipment expense | $39,000 | 8,441 |
| Additional noninterest expense | $79,000 | 8,688 |
| Pre-tax net operating income | $17,000 | 8,279 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $17,000 | 8,305 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $17,000 | 8,306 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 4,418 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $17,000 | 8,272 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $208,000 | 8,743 |
| Total interest expense | $38,000 | 8,714 |
| Net interest income | $170,000 | 8,720 |
| Provision for loan and lease losses | $14,000 | 5,948 |
| Total noninterest income | $41,000 | 8,164 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $40,000 | 6,599 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,000 | 8,662 |
| Total noninterest expense | $177,000 | 8,730 |
| Salaries and employee benefits | $95,000 | 8,728 |
| Premises and equipment expense | $27,000 | 8,425 |
| Additional noninterest expense | $55,000 | 8,685 |
| Pre-tax net operating income | $20,000 | 8,278 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $20,000 | 8,284 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $20,000 | 8,283 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 3,735 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $20,000 | 8,254 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $103,000 | 8,820 |
| Total interest expense | $18,000 | 8,788 |
| Net interest income | $85,000 | 8,802 |
| Provision for loan and lease losses | $8,000 | 5,590 |
| Total noninterest income | $19,000 | 8,268 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $18,000 | 6,743 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,000 | 8,675 |
| Total noninterest expense | $84,000 | 8,813 |
| Salaries and employee benefits | $44,000 | 8,817 |
| Premises and equipment expense | $13,000 | 8,500 |
| Additional noninterest expense | $27,000 | 8,736 |
| Pre-tax net operating income | $12,000 | 8,332 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $12,000 | 8,334 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $12,000 | 8,333 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 2,584 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $12,000 | 8,306 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $426,000 | 8,803 |
| Total interest expense | $68,000 | 8,802 |
| Net interest income | $358,000 | 8,768 |
| Provision for loan and lease losses | $40,000 | 6,168 |
| Total noninterest income | $112,000 | 7,942 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $104,000 | 6,411 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $8,000 | 8,601 |
| Total noninterest expense | $414,000 | 8,776 |
| Salaries and employee benefits | $233,000 | 8,759 |
| Premises and equipment expense | $61,000 | 8,469 |
| Additional noninterest expense | $120,000 | 8,734 |
| Pre-tax net operating income | $16,000 | 8,345 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $16,000 | 8,391 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $16,000 | 8,392 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 6,043 |
| Cash dividends | $2,000 | 6,143 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $16,000 | 8,355 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $321,000 | 8,857 |
| Total interest expense | $52,000 | 8,856 |
| Net interest income | $269,000 | 8,820 |
| Provision for loan and lease losses | $28,000 | 6,061 |
| Total noninterest income | $83,000 | 8,019 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $79,000 | 6,439 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $4,000 | 8,732 |
| Total noninterest expense | $277,000 | 8,854 |
| Salaries and employee benefits | $153,000 | 8,844 |
| Premises and equipment expense | $40,000 | 8,582 |
| Additional noninterest expense | $84,000 | 8,804 |
| Pre-tax net operating income | $47,000 | 8,311 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $47,000 | 8,326 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $47,000 | 8,328 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 5,128 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $47,000 | 8,287 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $210,000 | 8,923 |
| Total interest expense | $34,000 | 8,914 |
| Net interest income | $176,000 | 8,884 |
| Provision for loan and lease losses | $16,000 | 6,067 |
| Total noninterest income | $54,000 | 8,092 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $52,000 | 6,467 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,000 | 8,825 |
| Total noninterest expense | $193,000 | 8,891 |
| Salaries and employee benefits | $102,000 | 8,905 |
| Premises and equipment expense | $27,000 | 8,608 |
| Additional noninterest expense | $64,000 | 8,783 |
| Pre-tax net operating income | $21,000 | 8,413 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $21,000 | 8,451 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $21,000 | 8,453 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 4,267 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $21,000 | 8,390 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $104,000 | 8,978 |
| Total interest expense | $17,000 | 8,965 |
| Net interest income | $87,000 | 8,935 |
| Provision for loan and lease losses | $12,000 | 5,458 |
| Total noninterest income | $28,000 | 8,048 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $27,000 | 6,373 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $1,000 | 8,837 |
| Total noninterest expense | $92,000 | 8,948 |
| Salaries and employee benefits | $51,000 | 8,948 |
| Premises and equipment expense | $14,000 | 8,600 |
| Additional noninterest expense | $27,000 | 8,908 |
| Pre-tax net operating income | $11,000 | 8,422 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $11,000 | 8,454 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $11,000 | 8,454 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 2,952 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $11,000 | 8,391 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $465,000 | 8,974 |
| Total interest expense | $97,000 | 8,959 |
| Net interest income | $368,000 | 8,940 |
| Provision for loan and lease losses | $48,000 | 6,339 |
| Total noninterest income | $103,000 | 8,274 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $92,000 | 6,676 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $11,000 | 8,737 |
| Total noninterest expense | $401,000 | 8,982 |
| Salaries and employee benefits | $237,000 | 8,934 |
| Premises and equipment expense | $58,000 | 8,647 |
| Additional noninterest expense | $106,000 | 8,980 |
| Pre-tax net operating income | $22,000 | 8,464 |
| Securities gains (losses) | $8,000 | 3,717 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $30,000 | 8,535 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $30,000 | 8,538 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 4,807 |
| Cash dividends | $2,000 | 6,269 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $22,000 | 8,471 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $349,000 | 9,056 |
| Total interest expense | $76,000 | 9,046 |
| Net interest income | $273,000 | 9,025 |
| Provision for loan and lease losses | $32,000 | 6,346 |
| Total noninterest income | $78,000 | 8,323 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $69,000 | 6,736 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $9,000 | 8,738 |
| Total noninterest expense | $304,000 | 9,008 |
| Salaries and employee benefits | $185,000 | 8,952 |
| Premises and equipment expense | $40,000 | 8,754 |
| Additional noninterest expense | $79,000 | 9,022 |
| Pre-tax net operating income | $15,000 | 8,578 |
| Securities gains (losses) | $8,000 | 3,425 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $23,000 | 8,647 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $23,000 | 8,648 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 4,410 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $15,000 | 8,577 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $234,000 | 9,095 |
| Total interest expense | $52,000 | 9,091 |
| Net interest income | $182,000 | 9,060 |
| Provision for loan and lease losses | $24,000 | 6,151 |
| Total noninterest income | $51,000 | 8,344 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $46,000 | 6,735 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $5,000 | 8,823 |
| Total noninterest expense | $211,000 | 9,008 |
| Salaries and employee benefits | $126,000 | 8,964 |
| Premises and equipment expense | $28,000 | 8,729 |
| Additional noninterest expense | $57,000 | 9,009 |
| Pre-tax net operating income | $-2,000 | 8,682 |
| Securities gains (losses) | $8,000 | 3,037 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $6,000 | 8,728 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $6,000 | 8,729 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 3,723 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-2,000 | 8,661 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $118,000 | 9,143 |
| Total interest expense | $26,000 | 9,136 |
| Net interest income | $92,000 | 9,097 |
| Provision for loan and lease losses | $12,000 | 5,906 |
| Total noninterest income | $24,000 | 8,411 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $21,000 | 6,829 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $3,000 | 8,754 |
| Total noninterest expense | $103,000 | 9,071 |
| Salaries and employee benefits | $66,000 | 8,964 |
| Premises and equipment expense | $13,000 | 8,800 |
| Additional noninterest expense | $24,000 | 9,121 |
| Pre-tax net operating income | $1,000 | 8,682 |
| Securities gains (losses) | $8,000 | 2,242 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $9,000 | 8,645 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $9,000 | 8,642 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 2,492 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,000 | 8,648 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $593,000 | 9,116 |
| Total interest expense | $139,000 | 9,153 |
| Net interest income | $454,000 | 9,046 |
| Provision for loan and lease losses | $40,000 | 6,915 |
| Total noninterest income | $109,000 | 8,286 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $96,000 | 6,642 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $13,000 | 8,786 |
| Total noninterest expense | $475,000 | 9,031 |
| Salaries and employee benefits | $292,000 | 8,924 |
| Premises and equipment expense | $57,000 | 8,790 |
| Additional noninterest expense | $126,000 | 9,032 |
| Pre-tax net operating income | $48,000 | 8,478 |
| Securities gains (losses) | $4,000 | 4,045 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $52,000 | 8,542 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $52,000 | 8,545 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 4,612 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $48,000 | 8,482 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $674,000 | 9,336 |
| Total interest expense | $217,000 | 9,373 |
| Net interest income | $457,000 | 9,248 |
| Provision for loan and lease losses | $76,000 | 6,064 |
| Total noninterest income | $140,000 | 7,962 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $114,000 | 6,337 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $26,000 | 8,488 |
| Total noninterest expense | $482,000 | 9,215 |
| Salaries and employee benefits | $305,000 | 9,041 |
| Premises and equipment expense | $54,000 | 9,063 |
| Additional noninterest expense | $123,000 | 9,239 |
| Pre-tax net operating income | $39,000 | 8,578 |
| Securities gains (losses) | $-17,000 | 9,356 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $22,000 | 8,718 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $22,000 | 8,717 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,560 |
| Cash dividends | $3,000 | 6,586 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $39,000 | 8,562 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $732,000 | 9,571 |
| Total interest expense | $236,000 | 9,607 |
| Net interest income | $496,000 | 9,465 |
| Provision for loan and lease losses | $121,000 | 4,816 |
| Total noninterest income | $140,000 | 8,035 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $112,000 | 6,358 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $28,000 | 8,628 |
| Total noninterest expense | $470,000 | 9,449 |
| Salaries and employee benefits | $272,000 | 9,378 |
| Premises and equipment expense | $59,000 | 9,200 |
| Additional noninterest expense | $139,000 | 9,334 |
| Pre-tax net operating income | $45,000 | 8,978 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $6,000 | 8,174 |
| Income before extraordinary items | $39,000 | 8,996 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $39,000 | 8,995 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $130,000 | 3,120 |
| Cash dividends | $3,000 | 6,825 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $39,000 | 8,984 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $771,000 | 9,794 |
| Total interest expense | $243,000 | 9,878 |
| Net interest income | $528,000 | 9,639 |
| Provision for loan and lease losses | $70,000 | 5,912 |
| Total noninterest income | $122,000 | 8,491 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $98,000 | 6,750 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $24,000 | 9,087 |
| Total noninterest expense | $525,000 | 9,557 |
| Salaries and employee benefits | $338,000 | 9,261 |
| Premises and equipment expense | $70,000 | 9,216 |
| Additional noninterest expense | $117,000 | 9,798 |
| Pre-tax net operating income | $55,000 | 9,221 |
| Securities gains (losses) | $1,000 | 2,805 |
| Applicable income taxes | $7,000 | 8,560 |
| Income before extraordinary items | $49,000 | 9,245 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $49,000 | 9,242 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 3,578 |
| Cash dividends | $3,000 | 7,105 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $48,130 | 9,220 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $741,000 | 10,077 |
| Total interest expense | $236,000 | 10,147 |
| Net interest income | $505,000 | 9,910 |
| Provision for loan and lease losses | $60,000 | 6,123 |
| Total noninterest income | $120,000 | 8,690 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $83,000 | 7,212 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $37,000 | 8,655 |
| Total noninterest expense | $495,000 | 9,797 |
| Salaries and employee benefits | $324,000 | 9,470 |
| Premises and equipment expense | $57,000 | 9,657 |
| Additional noninterest expense | $114,000 | 10,010 |
| Pre-tax net operating income | $70,000 | 9,544 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $16,000 | 8,961 |
| Income before extraordinary items | $54,000 | 9,605 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $54,000 | 9,604 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 4,414 |
| Cash dividends | $3,000 | 7,447 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $54,000 | 9,541 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $682,000 | 10,581 |
| Total interest expense | $204,000 | 10,665 |
| Net interest income | $478,000 | 10,427 |
| Provision for loan and lease losses | $47,000 | 6,813 |
| Total noninterest income | $115,000 | 9,144 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $70,000 | 7,887 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $45,000 | 8,650 |
| Total noninterest expense | $484,000 | 10,180 |
| Salaries and employee benefits | $323,000 | 9,788 |
| Premises and equipment expense | $54,000 | 10,109 |
| Additional noninterest expense | $107,000 | 10,471 |
| Pre-tax net operating income | $61,000 | 10,208 |
| Securities gains (losses) | $-3,000 | 9,416 |
| Applicable income taxes | $9,000 | 9,906 |
| Income before extraordinary items | $49,000 | 10,243 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $49,000 | 10,244 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 5,007 |
| Cash dividends | $3,000 | 7,840 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $51,520 | 10,203 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $622,000 | 11,175 |
| Total interest expense | $169,000 | 11,263 |
| Net interest income | $453,000 | 10,983 |
| Provision for loan and lease losses | $25,000 | 7,649 |
| Total noninterest income | $105,000 | 9,802 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $64,000 | 8,427 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $41,000 | 9,308 |
| Total noninterest expense | $454,000 | 10,774 |
| Salaries and employee benefits | $312,000 | 10,259 |
| Premises and equipment expense | $37,000 | 10,993 |
| Additional noninterest expense | $105,000 | 11,042 |
| Pre-tax net operating income | $79,000 | 10,476 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $15,000 | 10,291 |
| Income before extraordinary items | $64,000 | 10,496 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $64,000 | 10,495 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 3,977 |
| Cash dividends | $3,000 | 8,301 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $64,000 | 10,449 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $575,000 | 11,732 |
| Total interest expense | $154,000 | 11,807 |
| Net interest income | $421,000 | 11,557 |
| Provision for loan and lease losses | $147,000 | 3,702 |
| Total noninterest income | $96,000 | 10,362 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $67,000 | 8,689 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $29,000 | 10,336 |
| Total noninterest expense | $390,000 | 11,460 |
| Salaries and employee benefits | $262,000 | 11,070 |
| Premises and equipment expense | $37,000 | 11,447 |
| Additional noninterest expense | $91,000 | 11,691 |
| Pre-tax net operating income | $-20,000 | 11,526 |
| Securities gains (losses) | $11,000 | 2,318 |
| Applicable income taxes | $0 | 11,151 |
| Income before extraordinary items | $-9,000 | 11,517 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-9,000 | 11,515 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 4,113 |
| Cash dividends | $3,000 | 8,676 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $-20,000 | 11,507 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $596,000 | 12,319 |
| Total interest expense | $147,000 | 12,447 |
| Net interest income | $449,000 | 12,132 |
| Provision for loan and lease losses | $53,000 | 6,008 |
| Total noninterest income | $100,000 | 10,747 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $64,000 | 9,216 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $36,000 | 10,409 |
| Total noninterest expense | $385,000 | 12,093 |
| Salaries and employee benefits | $251,000 | 11,658 |
| Premises and equipment expense | $36,000 | 12,088 |
| Additional noninterest expense | $98,000 | 12,307 |
| Pre-tax net operating income | $111,000 | 11,550 |
| Securities gains (losses) | $9,000 | 2,280 |
| Applicable income taxes | $0 | 11,630 |
| Income before extraordinary items | $120,000 | 11,162 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $120,000 | 11,168 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 3,686 |
| Cash dividends | $3,000 | 8,892 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $111,000 | 11,312 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $583,000 | 12,962 |
| Total interest expense | $135,000 | 13,130 |
| Net interest income | $448,000 | 12,693 |
| Provision for loan and lease losses | $65,000 | 6,791 |
| Total noninterest income | $91,000 | 11,541 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $80,000 | 9,003 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $11,000 | 12,687 |
| Total noninterest expense | $374,000 | 12,744 |
| Salaries and employee benefits | $244,000 | 12,248 |
| Premises and equipment expense | $30,000 | 12,856 |
| Additional noninterest expense | $100,000 | 12,934 |
| Pre-tax net operating income | $100,000 | 11,866 |
| Securities gains (losses) | $78,000 | 2,824 |
| Applicable income taxes | $52,000 | 10,892 |
| Income before extraordinary items | $126,000 | 11,503 |
| Extraordinary gains, net | $52,000 | 2,136 |
| Net income | $178,000 | 10,990 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 5,529 |
| Cash dividends | $3,000 | 9,038 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $70,620 | 11,928 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $621,000 | 13,583 |
| Total interest expense | $166,000 | 13,759 |
| Net interest income | $455,000 | 13,223 |
| Provision for loan and lease losses | $58,000 | 8,742 |
| Total noninterest income | $90,000 | 11,997 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $72,000 | 9,486 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 12,735 |
| Total noninterest expense | $339,000 | 13,444 |
| Salaries and employee benefits | $204,000 | 13,114 |
| Premises and equipment expense | $32,000 | 13,348 |
| Additional noninterest expense | $103,000 | 13,497 |
| Pre-tax net operating income | $148,000 | 11,549 |
| Securities gains (losses) | $8,000 | 6,653 |
| Applicable income taxes | $43,000 | 11,451 |
| Income before extraordinary items | $113,000 | 11,769 |
| Extraordinary gains, net | $43,000 | 1,034 |
| Net income | $156,000 | 11,282 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 6,549 |
| Cash dividends | $5,000 | 8,820 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $107,240 | 11,541 |
* 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.