Home > UMB Bank, Warsaw > Income and Expense

UMB Bank, Warsaw, Income and Expense

2007-09-30 (YTD Data)		Rank
Total interest income	$3,730,000	5,762
Total interest expense	$2,075,000	5,011
Net interest income	$1,655,000	6,322
Provision for loan and lease losses	$0	6,528
Total noninterest income	$433,000	4,730
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$280,000	3,654
Trading account gains and fees	$0	184
Additional Noninterest Income	$153,000	5,051
Total noninterest expense	$1,201,000	6,750
Salaries and employee benefits	$715,000	6,553
Premises and equipment expense	$133,000	6,952
Additional noninterest expense	$353,000	6,704
Pre-tax net operating income	$887,000	4,631
Securities gains (losses)	$0	1,655
Applicable income taxes	$306,000	3,178
Income before extraordinary items	$581,000	5,064
Extraordinary gains, net	$0	33
Net income	$581,000	5,064
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	5,926
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$581,000	5,060
2007-06-30 (YTD Data)		Rank
Total interest income	$2,337,000	5,936
Total interest expense	$1,271,000	5,245
Net interest income	$1,066,000	6,441
Provision for loan and lease losses	$0	6,209
Total noninterest income	$230,000	5,282
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$177,000	3,762
Trading account gains and fees	$0	168
Additional Noninterest Income	$53,000	6,185
Total noninterest expense	$693,000	7,118
Salaries and employee benefits	$448,000	6,743
Premises and equipment expense	$82,000	7,105
Additional noninterest expense	$163,000	7,439
Pre-tax net operating income	$603,000	4,647
Securities gains (losses)	$0	1,444
Applicable income taxes	$209,000	3,203
Income before extraordinary items	$394,000	5,112
Extraordinary gains, net	$0	29
Net income	$394,000	5,113
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	4,783
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$394,000	5,100
2007-03-31 (YTD Data)		Rank
Total interest income	$1,128,000	6,035
Total interest expense	$604,000	5,363
Net interest income	$524,000	6,501
Provision for loan and lease losses	$0	5,779
Total noninterest income	$106,000	5,403
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$77,000	3,989
Trading account gains and fees	$0	195
Additional Noninterest Income	$29,000	6,041
Total noninterest expense	$380,000	6,951
Salaries and employee benefits	$213,000	6,893
Premises and equipment expense	$41,000	7,142
Additional noninterest expense	$126,000	6,573
Pre-tax net operating income	$250,000	5,050
Securities gains (losses)	$0	1,187
Applicable income taxes	$84,000	3,516
Income before extraordinary items	$166,000	5,446
Extraordinary gains, net	$0	22
Net income	$166,000	5,446
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	3,481
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$166,000	5,433
2006-12-31 (YTD Data)		Rank
Total interest income	$4,034,000	6,098
Total interest expense	$2,172,000	5,185
Net interest income	$1,862,000	6,725
Provision for loan and lease losses	$0	6,850
Total noninterest income	$447,000	5,373
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$322,000	3,981
Trading account gains and fees	$0	130
Additional Noninterest Income	$125,000	5,945
Total noninterest expense	$1,439,000	7,012
Salaries and employee benefits	$818,000	6,914
Premises and equipment expense	$178,000	6,949
Additional noninterest expense	$443,000	6,834
Pre-tax net operating income	$870,000	5,483
Securities gains (losses)	$0	1,687
Applicable income taxes	$291,000	3,856
Income before extraordinary items	$579,000	5,891
Extraordinary gains, net	$0	51
Net income	$579,000	5,892
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	7,486
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$579,000	5,887
2006-09-30 (YTD Data)		Rank
Total interest income	$2,957,000	6,170
Total interest expense	$1,590,000	5,185
Net interest income	$1,367,000	6,851
Provision for loan and lease losses	$0	6,685
Total noninterest income	$328,000	5,456
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$236,000	4,044
Trading account gains and fees	$0	126
Additional Noninterest Income	$92,000	5,992
Total noninterest expense	$1,079,000	7,008
Salaries and employee benefits	$603,000	6,927
Premises and equipment expense	$137,000	6,927
Additional noninterest expense	$339,000	6,802
Pre-tax net operating income	$616,000	5,798
Securities gains (losses)	$0	1,388
Applicable income taxes	$205,000	4,105
Income before extraordinary items	$411,000	6,179
Extraordinary gains, net	$0	45
Net income	$411,000	6,180
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	5,412
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$411,000	6,182
2006-06-30 (YTD Data)		Rank
Total interest income	$1,901,000	6,243
Total interest expense	$996,000	5,233
Net interest income	$905,000	6,906
Provision for loan and lease losses	$0	6,419
Total noninterest income	$220,000	5,432
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$157,000	4,046
Trading account gains and fees	$0	126
Additional Noninterest Income	$63,000	5,990
Total noninterest expense	$719,000	7,040
Salaries and employee benefits	$402,000	6,964
Premises and equipment expense	$88,000	7,009
Additional noninterest expense	$229,000	6,806
Pre-tax net operating income	$406,000	5,876
Securities gains (losses)	$0	1,185
Applicable income taxes	$134,000	4,161
Income before extraordinary items	$272,000	6,212
Extraordinary gains, net	$0	39
Net income	$272,000	6,212
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	5,137
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$272,000	6,217
2006-03-31 (YTD Data)		Rank
Total interest income	$913,000	6,314
Total interest expense	$474,000	5,264
Net interest income	$439,000	6,997
Provision for loan and lease losses	$0	6,013
Total noninterest income	$106,000	5,470
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$76,000	4,048
Trading account gains and fees	$0	115
Additional Noninterest Income	$30,000	6,069
Total noninterest expense	$373,000	6,957
Salaries and employee benefits	$206,000	6,914
Premises and equipment expense	$42,000	7,104
Additional noninterest expense	$125,000	6,538
Pre-tax net operating income	$172,000	6,137
Securities gains (losses)	$0	955
Applicable income taxes	$56,000	4,357
Income before extraordinary items	$116,000	6,470
Extraordinary gains, net	$0	21
Net income	$116,000	6,470
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	4,110
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$116,000	6,472
2005-12-31 (YTD Data)		Rank
Total interest income	$3,016,000	6,575
Total interest expense	$1,282,000	5,655
Net interest income	$1,734,000	6,983
Provision for loan and lease losses	$0	7,120
Total noninterest income	$459,000	5,449
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$328,000	3,980
Trading account gains and fees	$0	138
Additional Noninterest Income	$131,000	5,961
Total noninterest expense	$1,474,000	6,931
Salaries and employee benefits	$875,000	6,705
Premises and equipment expense	$158,000	7,188
Additional noninterest expense	$441,000	6,873
Pre-tax net operating income	$719,000	6,103
Securities gains (losses)	$0	2,296
Applicable income taxes	$225,000	4,505
Income before extraordinary items	$494,000	6,400
Extraordinary gains, net	$0	46
Net income	$494,000	6,404
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-7,000	7,996
Cash dividends	$120,000	5,364
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$494,000	6,370
2005-09-30 (YTD Data)		Rank
Total interest income	$2,169,000	6,675
Total interest expense	$879,000	5,777
Net interest income	$1,290,000	7,037
Provision for loan and lease losses	$0	6,899
Total noninterest income	$328,000	5,573
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$236,000	4,086
Trading account gains and fees	$0	126
Additional Noninterest Income	$92,000	6,075
Total noninterest expense	$1,165,000	6,791
Salaries and employee benefits	$712,000	6,493
Premises and equipment expense	$117,000	7,213
Additional noninterest expense	$336,000	6,829
Pre-tax net operating income	$453,000	6,558
Securities gains (losses)	$0	2,317
Applicable income taxes	$134,000	4,941
Income before extraordinary items	$319,000	6,818
Extraordinary gains, net	$0	35
Net income	$319,000	6,817
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-8,000	7,839
Cash dividends	$120,000	4,554
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$319,000	6,773
2005-06-30 (YTD Data)		Rank
Total interest income	$1,380,000	6,746
Total interest expense	$532,000	5,876
Net interest income	$848,000	7,064
Provision for loan and lease losses	$0	6,626
Total noninterest income	$218,000	5,549
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$148,000	4,183
Trading account gains and fees	$0	116
Additional Noninterest Income	$70,000	5,870
Total noninterest expense	$789,000	6,765
Salaries and employee benefits	$484,000	6,441
Premises and equipment expense	$77,000	7,225
Additional noninterest expense	$228,000	6,796
Pre-tax net operating income	$277,000	6,730
Securities gains (losses)	$0	2,146
Applicable income taxes	$79,000	5,088
Income before extraordinary items	$198,000	6,955
Extraordinary gains, net	$0	30
Net income	$198,000	6,956
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,660
Cash dividends	$120,000	4,098
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$198,000	6,900
2005-03-31 (YTD Data)		Rank
Total interest income	$656,000	6,899
Total interest expense	$240,000	6,080
Net interest income	$416,000	7,161
Provision for loan and lease losses	$0	6,226
Total noninterest income	$112,000	5,441
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$73,000	4,143
Trading account gains and fees	$0	115
Additional Noninterest Income	$39,000	5,696
Total noninterest expense	$395,000	6,802
Salaries and employee benefits	$261,000	6,240
Premises and equipment expense	$37,000	7,362
Additional noninterest expense	$97,000	7,205
Pre-tax net operating income	$133,000	6,776
Securities gains (losses)	$0	1,685
Applicable income taxes	$36,000	5,142
Income before extraordinary items	$97,000	6,948
Extraordinary gains, net	$0	24
Net income	$97,000	6,950
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	6,685
Cash dividends	$120,000	2,766
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$97,000	6,923
2004-12-31 (YTD Data)		Rank
Total interest income	$2,777,000	6,635
Total interest expense	$806,000	6,240
Net interest income	$1,971,000	6,672
Provision for loan and lease losses	$60,000	5,645
Total noninterest income	$389,000	5,860
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$279,000	4,479
Trading account gains and fees	$0	138
Additional Noninterest Income	$110,000	6,256
Total noninterest expense	$1,504,000	6,875
Salaries and employee benefits	$892,000	6,635
Premises and equipment expense	$189,000	6,876
Additional noninterest expense	$423,000	7,002
Pre-tax net operating income	$796,000	5,802
Securities gains (losses)	$0	3,819
Applicable income taxes	$236,000	4,533
Income before extraordinary items	$560,000	6,113
Extraordinary gains, net	$0	34
Net income	$560,000	6,118
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-17,000	8,414
Cash dividends	$805,000	2,692
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$560,000	6,044
2004-09-30 (YTD Data)		Rank
Total interest income	$2,105,000	6,619
Total interest expense	$594,000	6,282
Net interest income	$1,511,000	6,608
Provision for loan and lease losses	$45,000	5,471
Total noninterest income	$299,000	5,816
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$204,000	4,588
Trading account gains and fees	$0	134
Additional Noninterest Income	$95,000	6,010
Total noninterest expense	$1,131,000	6,842
Salaries and employee benefits	$669,000	6,602
Premises and equipment expense	$148,000	6,758
Additional noninterest expense	$314,000	6,985
Pre-tax net operating income	$634,000	5,742
Securities gains (losses)	$0	3,710
Applicable income taxes	$189,000	4,533
Income before extraordinary items	$445,000	6,086
Extraordinary gains, net	$0	26
Net income	$445,000	6,086
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-19,000	8,375
Cash dividends	$655,000	2,285
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$445,000	6,006
2004-06-30 (YTD Data)		Rank
Total interest income	$1,419,000	6,626
Total interest expense	$397,000	6,308
Net interest income	$1,022,000	6,605
Provision for loan and lease losses	$30,000	5,293
Total noninterest income	$191,000	5,926
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$132,000	4,658
Trading account gains and fees	$0	130
Additional Noninterest Income	$59,000	6,161
Total noninterest expense	$744,000	6,916
Salaries and employee benefits	$443,000	6,664
Premises and equipment expense	$91,000	6,970
Additional noninterest expense	$210,000	7,018
Pre-tax net operating income	$439,000	5,640
Securities gains (losses)	$0	3,413
Applicable income taxes	$131,000	4,470
Income before extraordinary items	$308,000	5,980
Extraordinary gains, net	$0	21
Net income	$308,000	5,980
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-5,000	7,878
Cash dividends	$525,000	2,063
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$308,000	5,895
2004-03-31 (YTD Data)		Rank
Total interest income	$739,000	6,532
Total interest expense	$206,000	6,271
Net interest income	$533,000	6,514
Provision for loan and lease losses	$15,000	5,048
Total noninterest income	$90,000	6,013
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$63,000	4,680
Trading account gains and fees	$0	121
Additional Noninterest Income	$27,000	6,301
Total noninterest expense	$371,000	6,973
Salaries and employee benefits	$220,000	6,718
Premises and equipment expense	$42,000	7,151
Additional noninterest expense	$109,000	6,935
Pre-tax net operating income	$237,000	5,411
Securities gains (losses)	$0	2,934
Applicable income taxes	$72,000	4,306
Income before extraordinary items	$165,000	5,788
Extraordinary gains, net	$0	16
Net income	$165,000	5,789
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,000	3,144
Cash dividends	$225,000	2,037
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$165,000	5,662
2003-12-31 (YTD Data)		Rank
Total interest income	$3,573,000	5,979
Total interest expense	$1,042,000	5,997
Net interest income	$2,531,000	5,861
Provision for loan and lease losses	$185,000	4,159
Total noninterest income	$355,000	6,229
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$266,000	4,597
Trading account gains and fees	$0	160
Additional Noninterest Income	$89,000	6,724
Total noninterest expense	$1,513,000	6,863
Salaries and employee benefits	$861,000	6,709
Premises and equipment expense	$211,000	6,653
Additional noninterest expense	$441,000	6,892
Pre-tax net operating income	$1,188,000	4,711
Securities gains (losses)	$0	4,500
Applicable income taxes	$346,000	4,058
Income before extraordinary items	$842,000	5,114
Extraordinary gains, net	$0	54
Net income	$842,000	5,115
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$101,000	4,030
Cash dividends	$1,250,000	1,991
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$842,000	4,950
2003-09-30 (YTD Data)		Rank
Total interest income	$2,711,000	6,012
Total interest expense	$802,000	6,070
Net interest income	$1,909,000	5,867
Provision for loan and lease losses	$75,000	5,202
Total noninterest income	$244,000	6,472
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$198,000	4,641
Trading account gains and fees	$0	153
Additional Noninterest Income	$46,000	7,333
Total noninterest expense	$1,135,000	6,871
Salaries and employee benefits	$638,000	6,749
Premises and equipment expense	$164,000	6,559
Additional noninterest expense	$333,000	6,866
Pre-tax net operating income	$943,000	4,714
Securities gains (losses)	$0	4,204
Applicable income taxes	$275,000	4,082
Income before extraordinary items	$668,000	5,115
Extraordinary gains, net	$0	40
Net income	$668,000	5,115
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$94,000	3,333
Cash dividends	$1,200,000	1,511
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$668,000	4,932
2003-06-30 (YTD Data)		Rank
Total interest income	$1,814,000	6,044
Total interest expense	$554,000	6,085
Net interest income	$1,260,000	5,905
Provision for loan and lease losses	$45,000	5,281
Total noninterest income	$156,000	6,551
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$131,000	4,632
Trading account gains and fees	$0	150
Additional Noninterest Income	$25,000	7,564
Total noninterest expense	$761,000	6,866
Salaries and employee benefits	$424,000	6,788
Premises and equipment expense	$112,000	6,480
Additional noninterest expense	$225,000	6,827
Pre-tax net operating income	$610,000	4,788
Securities gains (losses)	$0	3,782
Applicable income taxes	$180,000	4,173
Income before extraordinary items	$430,000	5,218
Extraordinary gains, net	$0	30
Net income	$430,000	5,218
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$45,000	3,562
Cash dividends	$1,200,000	1,117
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$430,000	5,011
2003-03-31 (YTD Data)		Rank
Total interest income	$923,000	6,018
Total interest expense	$293,000	6,005
Net interest income	$630,000	5,897
Provision for loan and lease losses	$25,000	4,925
Total noninterest income	$68,000	6,777
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$61,000	4,717
Trading account gains and fees	$0	134
Additional Noninterest Income	$7,000	8,228
Total noninterest expense	$375,000	6,919
Salaries and employee benefits	$212,000	6,799
Premises and equipment expense	$47,000	6,953
Additional noninterest expense	$116,000	6,738
Pre-tax net operating income	$298,000	4,806
Securities gains (losses)	$0	2,891
Applicable income taxes	$87,000	4,199
Income before extraordinary items	$211,000	5,189
Extraordinary gains, net	$0	21
Net income	$211,000	5,188
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	3,949
Cash dividends	$1,200,000	585
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$211,000	5,000
2002-12-31 (YTD Data)		Rank
Total interest income	$4,124,000	5,806
Total interest expense	$1,816,000	5,122
Net interest income	$2,308,000	6,168
Provision for loan and lease losses	$140,000	5,057
Total noninterest income	$375,000	5,938
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$281,000	4,375
Trading account gains and fees	$0	153
Additional Noninterest Income	$94,000	6,565
Total noninterest expense	$1,591,000	6,673
Salaries and employee benefits	$859,000	6,664
Premises and equipment expense	$82,000	8,412
Additional noninterest expense	$650,000	5,656
Pre-tax net operating income	$952,000	5,335
Securities gains (losses)	$90,000	1,847
Applicable income taxes	$267,000	4,644
Income before extraordinary items	$775,000	5,289
Extraordinary gains, net	$0	70
Net income	$775,000	5,288
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$179,000	3,194
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$708,400	5,389
2001-12-31 (YTD Data)		Rank
Total interest income	$4,548,000	5,935
Total interest expense	$2,362,000	5,565
Net interest income	$2,186,000	6,146
Provision for loan and lease losses	$225,000	3,876
Total noninterest income	$442,000	5,419
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$297,000	4,186
Trading account gains and fees	$0	177
Additional Noninterest Income	$145,000	5,608
Total noninterest expense	$1,636,000	6,496
Salaries and employee benefits	$965,000	6,116
Premises and equipment expense	$183,000	7,026
Additional noninterest expense	$488,000	6,516
Pre-tax net operating income	$767,000	5,596
Securities gains (losses)	$105,000	1,704
Applicable income taxes	$162,000	5,331
Income before extraordinary items	$710,000	5,189
Extraordinary gains, net	$0	105
Net income	$710,000	5,193
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$150,000	3,371
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$624,950	5,378
2000-12-31 (YTD Data)		Rank
Total interest income	$4,410,000	6,162
Total interest expense	$2,310,000	5,824
Net interest income	$2,100,000	6,421
Provision for loan and lease losses	$110,000	5,095
Total noninterest income	$453,000	5,176
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$290,000	4,160
Trading account gains and fees	NA	NA
Additional Noninterest Income	$163,000	5,275
Total noninterest expense	$1,739,000	6,182
Salaries and employee benefits	$1,003,000	5,905
Premises and equipment expense	$218,000	6,486
Additional noninterest expense	$518,000	6,296
Pre-tax net operating income	$704,000	6,209
Securities gains (losses)	$0	1,956
Applicable income taxes	$67,000	6,976
Income before extraordinary items	$637,000	5,677
Extraordinary gains, net	$0	38
Net income	$637,000	5,675
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$119,000	3,278
Cash dividends	$600,000	3,185
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$637,000	5,691
1999-12-31 (YTD Data)		Rank
Total interest income	$4,084,000	6,295
Total interest expense	$1,977,000	6,044
Net interest income	$2,107,000	6,445
Provision for loan and lease losses	$75,000	5,766
Total noninterest income	$647,000	4,202
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$253,000	4,493
Trading account gains and fees	NA	NA
Additional Noninterest Income	$394,000	3,462
Total noninterest expense	$1,901,000	5,861
Salaries and employee benefits	$1,012,000	5,843
Premises and equipment expense	$213,000	6,603
Additional noninterest expense	$676,000	5,374
Pre-tax net operating income	$778,000	6,008
Securities gains (losses)	$3,000	2,393
Applicable income taxes	$125,000	6,576
Income before extraordinary items	$656,000	5,650
Extraordinary gains, net	$0	35
Net income	$656,000	5,647
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$70,000	4,227
Cash dividends	$500,000	3,483
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$653,480	5,627
1998-12-31 (YTD Data)		Rank
Total interest income	$4,136,000	6,363
Total interest expense	$1,909,000	6,336
Net interest income	$2,227,000	6,246
Provision for loan and lease losses	$120,000	4,610
Total noninterest income	$574,000	4,523
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$229,000	4,761
Trading account gains and fees	NA	NA
Additional Noninterest Income	$345,000	3,731
Total noninterest expense	$1,827,000	5,927
Salaries and employee benefits	$1,018,000	5,718
Premises and equipment expense	$189,000	6,883
Additional noninterest expense	$620,000	5,623
Pre-tax net operating income	$854,000	5,888
Securities gains (losses)	$0	4,449
Applicable income taxes	$209,000	6,091
Income before extraordinary items	$645,000	5,844
Extraordinary gains, net	$0	32
Net income	$645,000	5,843
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$87,000	3,892
Cash dividends	$1,260,000	1,878
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$645,000	5,731
1997-12-31 (YTD Data)		Rank
Total interest income	$4,104,000	6,558
Total interest expense	$1,948,000	6,367
Net interest income	$2,156,000	6,607
Provision for loan and lease losses	$69,000	5,965
Total noninterest income	$539,000	4,745
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$227,000	4,950
Trading account gains and fees	NA	NA
Additional Noninterest Income	$312,000	3,831
Total noninterest expense	$1,719,000	6,240
Salaries and employee benefits	$913,000	6,221
Premises and equipment expense	$135,000	8,126
Additional noninterest expense	$671,000	5,383
Pre-tax net operating income	$907,000	6,128
Securities gains (losses)	$0	3,944
Applicable income taxes	$239,000	6,377
Income before extraordinary items	$668,000	6,035
Extraordinary gains, net	$0	44
Net income	$668,000	6,037
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$110,000	3,615
Cash dividends	$150,000	5,875
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$668,000	5,986
1996-12-31 (YTD Data)		Rank
Total interest income	$3,946,000	6,918
Total interest expense	$1,902,000	6,622
Net interest income	$2,044,000	7,055
Provision for loan and lease losses	$33,000	7,304
Total noninterest income	$442,000	5,612
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$210,000	5,392
Trading account gains and fees	NA	NA
Additional Noninterest Income	$232,000	4,751
Total noninterest expense	$1,635,000	6,753
Salaries and employee benefits	$919,000	6,374
Premises and equipment expense	$156,000	7,919
Additional noninterest expense	$560,000	6,611
Pre-tax net operating income	$818,000	6,440
Securities gains (losses)	$0	4,148
Applicable income taxes	$216,000	6,894
Income before extraordinary items	$602,000	6,263
Extraordinary gains, net	$0	53
Net income	$602,000	6,266
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$46,000	5,473
Cash dividends	$4,000,000	769
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$602,000	6,202
1995-12-31 (YTD Data)		Rank
Total interest income	$3,893,000	7,123
Total interest expense	$1,857,000	6,765
Net interest income	$2,036,000	7,221
Provision for loan and lease losses	$25,000	7,325
Total noninterest income	$404,000	5,955
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$199,000	5,705
Trading account gains and fees	NA	NA
Additional Noninterest Income	$205,000	5,061
Total noninterest expense	$1,562,000	7,094
Salaries and employee benefits	$842,000	6,874
Premises and equipment expense	$151,000	8,239
Additional noninterest expense	$569,000	6,725
Pre-tax net operating income	$853,000	6,635
Securities gains (losses)	$0	3,831
Applicable income taxes	$202,000	7,373
Income before extraordinary items	$651,000	6,306
Extraordinary gains, net	$0	65
Net income	$651,000	6,304
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	7,275
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$651,000	6,283
1994-12-31 (YTD Data)		Rank
Total interest income	$3,411,000	7,468
Total interest expense	$1,495,000	6,908
Net interest income	$1,916,000	7,761
Provision for loan and lease losses	$11,000	8,408
Total noninterest income	$390,000	6,234
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$206,000	5,747
Trading account gains and fees	NA	NA
Additional Noninterest Income	$184,000	5,544
Total noninterest expense	$1,508,000	7,574
Salaries and employee benefits	$789,000	7,263
Premises and equipment expense	$127,000	9,189
Additional noninterest expense	$592,000	7,091
Pre-tax net operating income	$787,000	6,937
Securities gains (losses)	$54,000	1,106
Applicable income taxes	$220,000	7,005
Income before extraordinary items	$621,000	6,393
Extraordinary gains, net	$0	249
Net income	$621,000	6,409
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	7,569
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$581,040	6,740
1993-12-31 (YTD Data)		Rank
Total interest income	$3,097,000	8,178
Total interest expense	$1,464,000	7,325
Net interest income	$1,633,000	8,702
Provision for loan and lease losses	$12,000	9,545
Total noninterest income	$352,000	6,990
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$200,000	5,971
Trading account gains and fees	NA	NA
Additional Noninterest Income	$152,000	6,523
Total noninterest expense	$1,433,000	8,067
Salaries and employee benefits	$714,000	7,911
Premises and equipment expense	$125,000	9,643
Additional noninterest expense	$594,000	7,395
Pre-tax net operating income	$540,000	8,374
Securities gains (losses)	$0	7,477
Applicable income taxes	$87,000	10,051
Income before extraordinary items	$453,000	7,946
Extraordinary gains, net	$0	3,149
Net income	$453,000	8,120
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	8,388
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$453,000	7,685
1992-12-31 (YTD Data)		Rank
Total interest income	$3,560,000	8,096
Total interest expense	$2,012,000	7,083
Net interest income	$1,548,000	9,127
Provision for loan and lease losses	$4,000	11,584
Total noninterest income	$300,000	7,734
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$169,000	6,633
Trading account gains and fees	NA	NA
Additional Noninterest Income	$131,000	7,138
Total noninterest expense	$1,394,000	8,318
Salaries and employee benefits	$670,000	8,220
Premises and equipment expense	$140,000	9,399
Additional noninterest expense	$584,000	7,654
Pre-tax net operating income	$450,000	8,802
Securities gains (losses)	$76,000	3,457
Applicable income taxes	$43,000	11,451
Income before extraordinary items	$483,000	7,482
Extraordinary gains, net	$0	1,422
Net income	$483,000	7,576
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	10,608
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$413,080	7,736

* 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.