Hume Bank, Income and Expense
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $1,256,000 | 8,055 |
| Total interest expense | $630,000 | 7,763 |
| Net interest income | $626,000 | 8,162 |
| Provision for loan and lease losses | $642,000 | 1,962 |
| Total noninterest income | $86,000 | 7,711 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $68,000 | 6,473 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $18,000 | 7,853 |
| Total noninterest expense | $420,000 | 8,400 |
| Salaries and employee benefits | $259,000 | 8,348 |
| Premises and equipment expense | $139,000 | 7,344 |
| Additional noninterest expense | $22,000 | 8,524 |
| Pre-tax net operating income | $-350,000 | 7,733 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-67,000 | 7,972 |
| Income before extraordinary items | $-283,000 | 7,763 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-283,000 | 7,761 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $187,000 | 2,949 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-283,000 | 7,746 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $939,000 | 8,118 |
| Total interest expense | $467,000 | 7,823 |
| Net interest income | $472,000 | 8,219 |
| Provision for loan and lease losses | $122,000 | 3,833 |
| Total noninterest income | $68,000 | 7,707 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $49,000 | 6,545 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $19,000 | 7,708 |
| Total noninterest expense | $350,000 | 8,355 |
| Salaries and employee benefits | $169,000 | 8,392 |
| Premises and equipment expense | $50,000 | 8,093 |
| Additional noninterest expense | $131,000 | 8,115 |
| Pre-tax net operating income | $68,000 | 7,425 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $19,000 | 5,497 |
| Income before extraordinary items | $49,000 | 7,495 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $49,000 | 7,492 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 4,810 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $49,000 | 7,478 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $630,000 | 8,171 |
| Total interest expense | $304,000 | 7,887 |
| Net interest income | $326,000 | 8,266 |
| Provision for loan and lease losses | $24,000 | 5,201 |
| Total noninterest income | $35,000 | 7,953 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $32,000 | 6,601 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $3,000 | 8,264 |
| Total noninterest expense | $237,000 | 8,405 |
| Salaries and employee benefits | $116,000 | 8,438 |
| Premises and equipment expense | $42,000 | 7,950 |
| Additional noninterest expense | $79,000 | 8,248 |
| Pre-tax net operating income | $100,000 | 7,243 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $8,000 | 5,755 |
| Income before extraordinary items | $92,000 | 7,172 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $92,000 | 7,173 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,315 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $92,000 | 7,164 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $309,000 | 8,234 |
| Total interest expense | $148,000 | 7,947 |
| Net interest income | $161,000 | 8,327 |
| Provision for loan and lease losses | $12,000 | 4,908 |
| Total noninterest income | $16,000 | 8,027 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $16,000 | 6,601 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $0 | 8,433 |
| Total noninterest expense | $116,000 | 8,454 |
| Salaries and employee benefits | $56,000 | 8,499 |
| Premises and equipment expense | $21,000 | 7,981 |
| Additional noninterest expense | $39,000 | 8,292 |
| Pre-tax net operating income | $49,000 | 7,299 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $9,000 | 5,389 |
| Income before extraordinary items | $40,000 | 7,298 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $40,000 | 7,297 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $40,000 | 7,291 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,110,000 | 8,200 |
| Total interest expense | $486,000 | 7,942 |
| Net interest income | $624,000 | 8,296 |
| Provision for loan and lease losses | $33,000 | 5,966 |
| Total noninterest income | $73,000 | 8,015 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $64,000 | 6,666 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $9,000 | 8,284 |
| Total noninterest expense | $469,000 | 8,473 |
| Salaries and employee benefits | $225,000 | 8,519 |
| Premises and equipment expense | $77,000 | 8,063 |
| Additional noninterest expense | $167,000 | 8,280 |
| Pre-tax net operating income | $195,000 | 7,426 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $72,000 | 5,205 |
| Income before extraordinary items | $123,000 | 7,586 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $123,000 | 7,589 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 4,733 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $123,000 | 7,580 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $811,000 | 8,295 |
| Total interest expense | $351,000 | 8,012 |
| Net interest income | $460,000 | 8,385 |
| Provision for loan and lease losses | $22,000 | 5,933 |
| Total noninterest income | $54,000 | 8,104 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $48,000 | 6,766 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $6,000 | 8,383 |
| Total noninterest expense | $342,000 | 8,525 |
| Salaries and employee benefits | $161,000 | 8,580 |
| Premises and equipment expense | $61,000 | 8,055 |
| Additional noninterest expense | $120,000 | 8,353 |
| Pre-tax net operating income | $150,000 | 7,628 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $58,000 | 5,341 |
| Income before extraordinary items | $92,000 | 7,766 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $92,000 | 7,768 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,016 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $92,000 | 7,768 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $526,000 | 8,357 |
| Total interest expense | $214,000 | 8,085 |
| Net interest income | $312,000 | 8,435 |
| Provision for loan and lease losses | $17,000 | 5,691 |
| Total noninterest income | $35,000 | 8,180 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $30,000 | 6,853 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $5,000 | 8,374 |
| Total noninterest expense | $226,000 | 8,572 |
| Salaries and employee benefits | $106,000 | 8,625 |
| Premises and equipment expense | $44,000 | 7,973 |
| Additional noninterest expense | $76,000 | 8,420 |
| Pre-tax net operating income | $104,000 | 7,667 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $40,000 | 5,383 |
| Income before extraordinary items | $64,000 | 7,813 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $64,000 | 7,814 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 4,252 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $64,000 | 7,813 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $260,000 | 8,378 |
| Total interest expense | $99,000 | 8,144 |
| Net interest income | $161,000 | 8,428 |
| Provision for loan and lease losses | $10,000 | 5,231 |
| Total noninterest income | $15,000 | 8,268 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $14,000 | 6,901 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,000 | 8,494 |
| Total noninterest expense | $115,000 | 8,578 |
| Salaries and employee benefits | $53,000 | 8,635 |
| Premises and equipment expense | $19,000 | 8,122 |
| Additional noninterest expense | $43,000 | 8,318 |
| Pre-tax net operating income | $51,000 | 7,690 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $19,000 | 5,395 |
| Income before extraordinary items | $32,000 | 7,808 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $32,000 | 7,808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 6,875 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $32,000 | 7,804 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $926,000 | 8,391 |
| Total interest expense | $303,000 | 8,180 |
| Net interest income | $623,000 | 8,424 |
| Provision for loan and lease losses | $37,000 | 6,037 |
| Total noninterest income | $68,000 | 8,270 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $63,000 | 6,871 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $5,000 | 8,545 |
| Total noninterest expense | $428,000 | 8,648 |
| Salaries and employee benefits | $197,000 | 8,687 |
| Premises and equipment expense | $87,000 | 8,002 |
| Additional noninterest expense | $144,000 | 8,519 |
| Pre-tax net operating income | $226,000 | 7,624 |
| Securities gains (losses) | $-10,000 | 7,535 |
| Applicable income taxes | $79,000 | 5,551 |
| Income before extraordinary items | $137,000 | 7,842 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $137,000 | 7,842 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 4,787 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $143,400 | 7,783 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $677,000 | 8,445 |
| Total interest expense | $210,000 | 8,243 |
| Net interest income | $467,000 | 8,468 |
| Provision for loan and lease losses | $25,000 | 5,986 |
| Total noninterest income | $54,000 | 8,268 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $47,000 | 6,913 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $7,000 | 8,472 |
| Total noninterest expense | $309,000 | 8,666 |
| Salaries and employee benefits | $136,000 | 8,721 |
| Premises and equipment expense | $77,000 | 7,839 |
| Additional noninterest expense | $96,000 | 8,596 |
| Pre-tax net operating income | $187,000 | 7,689 |
| Securities gains (losses) | $-5,000 | 7,675 |
| Applicable income taxes | $62,000 | 5,641 |
| Income before extraordinary items | $120,000 | 7,850 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $120,000 | 7,851 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,742 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $123,300 | 7,811 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $428,000 | 8,493 |
| Total interest expense | $130,000 | 8,272 |
| Net interest income | $298,000 | 8,511 |
| Provision for loan and lease losses | $14,000 | 5,948 |
| Total noninterest income | $35,000 | 8,291 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $31,000 | 6,910 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $4,000 | 8,501 |
| Total noninterest expense | $200,000 | 8,681 |
| Salaries and employee benefits | $89,000 | 8,745 |
| Premises and equipment expense | $44,000 | 8,001 |
| Additional noninterest expense | $67,000 | 8,562 |
| Pre-tax net operating income | $119,000 | 7,746 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $49,000 | 5,534 |
| Income before extraordinary items | $70,000 | 7,958 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $70,000 | 7,958 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,136 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $70,000 | 7,921 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $207,000 | 8,585 |
| Total interest expense | $61,000 | 8,369 |
| Net interest income | $146,000 | 8,604 |
| Provision for loan and lease losses | $12,000 | 5,254 |
| Total noninterest income | $20,000 | 8,219 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $15,000 | 6,958 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $5,000 | 8,232 |
| Total noninterest expense | $103,000 | 8,731 |
| Salaries and employee benefits | $44,000 | 8,817 |
| Premises and equipment expense | $23,000 | 8,021 |
| Additional noninterest expense | $36,000 | 8,569 |
| Pre-tax net operating income | $51,000 | 7,887 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $9,000 | 6,134 |
| Income before extraordinary items | $42,000 | 7,898 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $42,000 | 7,898 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,060 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $42,000 | 7,869 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $799,000 | 8,573 |
| Total interest expense | $232,000 | 8,358 |
| Net interest income | $567,000 | 8,587 |
| Provision for loan and lease losses | $37,000 | 6,248 |
| Total noninterest income | $71,000 | 8,393 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $61,000 | 7,102 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $10,000 | 8,525 |
| Total noninterest expense | $401,000 | 8,789 |
| Salaries and employee benefits | $184,000 | 8,829 |
| Premises and equipment expense | $60,000 | 8,483 |
| Additional noninterest expense | $157,000 | 8,555 |
| Pre-tax net operating income | $200,000 | 7,780 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $50,000 | 6,036 |
| Income before extraordinary items | $150,000 | 7,879 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $150,000 | 7,879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,654 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $150,000 | 7,834 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $589,000 | 8,626 |
| Total interest expense | $173,000 | 8,402 |
| Net interest income | $423,000 | 8,640 |
| Provision for loan and lease losses | $25,000 | 6,158 |
| Total noninterest income | $47,000 | 8,525 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $44,000 | 7,182 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $3,000 | 8,783 |
| Total noninterest expense | $282,000 | 8,846 |
| Salaries and employee benefits | $130,000 | 8,888 |
| Premises and equipment expense | $42,000 | 8,552 |
| Additional noninterest expense | $110,000 | 8,619 |
| Pre-tax net operating income | $163,000 | 7,861 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $41,000 | 6,091 |
| Income before extraordinary items | $122,000 | 7,959 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $122,000 | 7,962 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,361 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $122,000 | 7,906 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $384,000 | 8,697 |
| Total interest expense | $112,000 | 8,482 |
| Net interest income | $272,000 | 8,712 |
| Provision for loan and lease losses | $16,000 | 6,067 |
| Total noninterest income | $29,000 | 8,623 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $28,000 | 7,267 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,000 | 8,898 |
| Total noninterest expense | $185,000 | 8,917 |
| Salaries and employee benefits | $85,000 | 8,955 |
| Premises and equipment expense | $24,000 | 8,676 |
| Additional noninterest expense | $76,000 | 8,639 |
| Pre-tax net operating income | $100,000 | 7,922 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $25,000 | 6,158 |
| Income before extraordinary items | $75,000 | 8,031 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $75,000 | 8,033 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 8,159 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $75,000 | 7,971 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $182,000 | 8,769 |
| Total interest expense | $55,000 | 8,560 |
| Net interest income | $127,000 | 8,786 |
| Provision for loan and lease losses | $10,000 | 5,595 |
| Total noninterest income | $15,000 | 8,621 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $14,000 | 7,243 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $1,000 | 8,837 |
| Total noninterest expense | $92,000 | 8,948 |
| Salaries and employee benefits | $42,000 | 9,000 |
| Premises and equipment expense | $11,000 | 8,739 |
| Additional noninterest expense | $39,000 | 8,657 |
| Pre-tax net operating income | $40,000 | 8,049 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $10,000 | 6,242 |
| Income before extraordinary items | $30,000 | 8,155 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $30,000 | 8,156 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $30,000 | 8,087 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $234,000 | 9,061 |
| Total interest expense | $71,000 | 9,013 |
| Net interest income | $163,000 | 9,065 |
| Provision for loan and lease losses | $17,000 | 7,172 |
| Total noninterest income | $23,000 | 8,986 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $19,000 | 7,850 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $4,000 | 8,931 |
| Total noninterest expense | $126,000 | 9,157 |
| Salaries and employee benefits | $63,000 | 9,143 |
| Premises and equipment expense | $18,000 | 9,082 |
| Additional noninterest expense | $43,000 | 9,135 |
| Pre-tax net operating income | $43,000 | 8,407 |
| Securities gains (losses) | $4,000 | 3,987 |
| Applicable income taxes | $12,000 | 6,979 |
| Income before extraordinary items | $35,000 | 8,522 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $35,000 | 8,525 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,602 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $32,040 | 8,436 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $79,000 | 9,184 |
| Total interest expense | $23,000 | 9,140 |
| Net interest income | $56,000 | 9,176 |
| Provision for loan and lease losses | $4,000 | 7,376 |
| Total noninterest income | $6,000 | 9,130 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $6,000 | 8,015 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $0 | 9,106 |
| Total noninterest expense | $37,000 | 9,227 |
| Salaries and employee benefits | $18,000 | 9,213 |
| Premises and equipment expense | $6,000 | 9,178 |
| Additional noninterest expense | $13,000 | 9,223 |
| Pre-tax net operating income | $21,000 | 8,565 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $4,000 | 7,286 |
| Income before extraordinary items | $17,000 | 8,670 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $17,000 | 8,671 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,822 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $17,000 | 8,571 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $357,000 | 8,940 |
| Total interest expense | $120,000 | 8,809 |
| Net interest income | $237,000 | 8,943 |
| Provision for loan and lease losses | $10,000 | 6,790 |
| Total noninterest income | $29,000 | 8,807 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $27,000 | 7,445 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $2,000 | 9,014 |
| Total noninterest expense | $164,000 | 9,132 |
| Salaries and employee benefits | $80,000 | 9,149 |
| Premises and equipment expense | $27,000 | 8,765 |
| Additional noninterest expense | $57,000 | 9,009 |
| Pre-tax net operating income | $92,000 | 8,067 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $4,000 | 7,232 |
| Income before extraordinary items | $88,000 | 8,075 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $88,000 | 8,077 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,334 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $88,000 | 7,911 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $177,000 | 9,011 |
| Total interest expense | $62,000 | 8,870 |
| Net interest income | $115,000 | 9,009 |
| Provision for loan and lease losses | $4,000 | 6,606 |
| Total noninterest income | $14,000 | 8,843 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $13,000 | 7,452 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,000 | 9,034 |
| Total noninterest expense | $83,000 | 9,171 |
| Salaries and employee benefits | $39,000 | 9,199 |
| Premises and equipment expense | $16,000 | 8,615 |
| Additional noninterest expense | $28,000 | 9,056 |
| Pre-tax net operating income | $42,000 | 8,115 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $-4,000 | 9,021 |
| Income before extraordinary items | $46,000 | 7,974 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $46,000 | 7,973 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $46,000 | 7,823 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $759,000 | 9,026 |
| Total interest expense | $268,000 | 8,947 |
| Net interest income | $491,000 | 9,007 |
| Provision for loan and lease losses | $44,000 | 6,868 |
| Total noninterest income | $64,000 | 8,822 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $56,000 | 7,422 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $8,000 | 8,967 |
| Total noninterest expense | $366,000 | 9,177 |
| Salaries and employee benefits | $214,000 | 9,132 |
| Premises and equipment expense | $45,000 | 8,977 |
| Additional noninterest expense | $107,000 | 9,135 |
| Pre-tax net operating income | $145,000 | 8,131 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $30,000 | 6,839 |
| Income before extraordinary items | $115,000 | 8,259 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $115,000 | 8,260 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 5,609 |
| Cash dividends | $55,000 | 5,919 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $115,000 | 8,158 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $808,000 | 9,272 |
| Total interest expense | $347,000 | 9,229 |
| Net interest income | $461,000 | 9,241 |
| Provision for loan and lease losses | $66,000 | 6,270 |
| Total noninterest income | $64,000 | 8,997 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $53,000 | 7,544 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $11,000 | 9,089 |
| Total noninterest expense | $346,000 | 9,438 |
| Salaries and employee benefits | $199,000 | 9,406 |
| Premises and equipment expense | $41,000 | 9,280 |
| Additional noninterest expense | $106,000 | 9,347 |
| Pre-tax net operating income | $113,000 | 8,274 |
| Securities gains (losses) | $-2,000 | 9,092 |
| Applicable income taxes | $12,000 | 7,523 |
| Income before extraordinary items | $99,000 | 8,342 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $99,000 | 8,340 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 5,231 |
| Cash dividends | $42,000 | 6,231 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $100,780 | 8,228 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $770,000 | 9,552 |
| Total interest expense | $335,000 | 9,505 |
| Net interest income | $435,000 | 9,545 |
| Provision for loan and lease losses | $8,000 | 8,049 |
| Total noninterest income | $53,000 | 9,290 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $45,000 | 7,748 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $8,000 | 9,518 |
| Total noninterest expense | $341,000 | 9,702 |
| Salaries and employee benefits | $208,000 | 9,605 |
| Premises and equipment expense | $25,000 | 9,724 |
| Additional noninterest expense | $108,000 | 9,574 |
| Pre-tax net operating income | $139,000 | 8,646 |
| Securities gains (losses) | $-2,000 | 7,578 |
| Applicable income taxes | $33,000 | 7,548 |
| Income before extraordinary items | $104,000 | 8,681 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $104,000 | 8,680 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 6,747 |
| Cash dividends | $50,000 | 6,383 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $105,520 | 8,660 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $697,000 | 9,846 |
| Total interest expense | $301,000 | 9,796 |
| Net interest income | $396,000 | 9,825 |
| Provision for loan and lease losses | $6,000 | 8,268 |
| Total noninterest income | $67,000 | 9,338 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $48,000 | 7,891 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,000 | 9,296 |
| Total noninterest expense | $334,000 | 10,006 |
| Salaries and employee benefits | $207,000 | 9,890 |
| Premises and equipment expense | $34,000 | 9,919 |
| Additional noninterest expense | $93,000 | 9,965 |
| Pre-tax net operating income | $123,000 | 8,963 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $20,000 | 8,212 |
| Income before extraordinary items | $103,000 | 8,946 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $103,000 | 8,944 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 9,212 |
| Cash dividends | $47,000 | 6,659 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $103,000 | 8,915 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $664,000 | 10,120 |
| Total interest expense | $274,000 | 10,100 |
| Net interest income | $390,000 | 10,096 |
| Provision for loan and lease losses | $6,000 | 8,399 |
| Total noninterest income | $59,000 | 9,700 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $40,000 | 8,291 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,000 | 9,525 |
| Total noninterest expense | $295,000 | 10,270 |
| Salaries and employee benefits | $172,000 | 10,216 |
| Premises and equipment expense | $38,000 | 10,066 |
| Additional noninterest expense | $85,000 | 10,234 |
| Pre-tax net operating income | $148,000 | 9,180 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $29,000 | 8,719 |
| Income before extraordinary items | $119,000 | 9,193 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $119,000 | 9,192 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,204 |
| Cash dividends | $60,000 | 6,728 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $119,000 | 9,121 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $656,000 | 10,610 |
| Total interest expense | $268,000 | 10,568 |
| Net interest income | $388,000 | 10,566 |
| Provision for loan and lease losses | $11,000 | 8,366 |
| Total noninterest income | $54,000 | 10,218 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $38,000 | 8,734 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $16,000 | 10,083 |
| Total noninterest expense | $263,000 | 10,761 |
| Salaries and employee benefits | $160,000 | 10,690 |
| Premises and equipment expense | $22,000 | 10,736 |
| Additional noninterest expense | $81,000 | 10,687 |
| Pre-tax net operating income | $168,000 | 9,750 |
| Securities gains (losses) | $-45,000 | 10,616 |
| Applicable income taxes | $33,000 | 9,518 |
| Income before extraordinary items | $90,000 | 10,020 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $90,000 | 10,022 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,093 |
| Cash dividends | $57,000 | 7,093 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $122,850 | 9,771 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $599,000 | 11,189 |
| Total interest expense | $266,000 | 11,133 |
| Net interest income | $333,000 | 11,189 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $48,000 | 10,886 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $33,000 | 9,306 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $15,000 | 10,709 |
| Total noninterest expense | $257,000 | 11,303 |
| Salaries and employee benefits | $153,000 | 11,224 |
| Premises and equipment expense | $39,000 | 10,933 |
| Additional noninterest expense | $65,000 | 11,332 |
| Pre-tax net operating income | $124,000 | 10,242 |
| Securities gains (losses) | $-1,000 | 9,274 |
| Applicable income taxes | $33,000 | 9,988 |
| Income before extraordinary items | $90,000 | 10,310 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $90,000 | 10,309 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 9,914 |
| Cash dividends | $40,000 | 7,695 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $90,730 | 10,258 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $524,000 | 11,766 |
| Total interest expense | $237,000 | 11,703 |
| Net interest income | $287,000 | 11,775 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $42,000 | 11,486 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $26,000 | 9,888 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $16,000 | 11,150 |
| Total noninterest expense | $228,000 | 11,844 |
| Salaries and employee benefits | $143,000 | 11,762 |
| Premises and equipment expense | $27,000 | 11,683 |
| Additional noninterest expense | $58,000 | 11,869 |
| Pre-tax net operating income | $101,000 | 11,082 |
| Securities gains (losses) | $-10,000 | 10,097 |
| Applicable income taxes | $14,000 | 10,859 |
| Income before extraordinary items | $77,000 | 11,122 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $77,000 | 11,120 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,816 |
| Cash dividends | $25,000 | 8,267 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $85,500 | 11,031 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $443,000 | 12,443 |
| Total interest expense | $187,000 | 12,366 |
| Net interest income | $256,000 | 12,460 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $35,000 | 12,197 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $10,000 | 10,723 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $25,000 | 11,111 |
| Total noninterest expense | $208,000 | 12,507 |
| Salaries and employee benefits | $131,000 | 12,439 |
| Premises and equipment expense | $27,000 | 12,284 |
| Additional noninterest expense | $50,000 | 12,547 |
| Pre-tax net operating income | $83,000 | 11,733 |
| Securities gains (losses) | $6,000 | 2,522 |
| Applicable income taxes | $20,000 | 11,148 |
| Income before extraordinary items | $69,000 | 11,663 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $69,000 | 11,671 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,875 |
| Cash dividends | $32,000 | 8,324 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $64,320 | 11,743 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $498,000 | 13,062 |
| Total interest expense | $189,000 | 13,020 |
| Net interest income | $309,000 | 12,995 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $29,000 | 12,948 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $9,000 | 11,224 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 12,038 |
| Total noninterest expense | $240,000 | 13,120 |
| Salaries and employee benefits | $160,000 | 12,917 |
| Premises and equipment expense | $5,000 | 13,241 |
| Additional noninterest expense | $75,000 | 13,112 |
| Pre-tax net operating income | $98,000 | 11,878 |
| Securities gains (losses) | $16,000 | 4,943 |
| Applicable income taxes | $21,000 | 11,584 |
| Income before extraordinary items | $93,000 | 11,860 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $93,000 | 11,907 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 10,864 |
| Cash dividends | $45,000 | 8,091 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $79,880 | 11,835 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $546,000 | 13,668 |
| Total interest expense | $232,000 | 13,643 |
| Net interest income | $314,000 | 13,600 |
| Provision for loan and lease losses | $17,000 | 10,772 |
| Total noninterest income | $28,000 | 13,572 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $8,000 | 11,638 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 12,557 |
| Total noninterest expense | $223,000 | 13,761 |
| Salaries and employee benefits | $148,000 | 13,567 |
| Premises and equipment expense | $5,000 | 13,881 |
| Additional noninterest expense | $70,000 | 13,747 |
| Pre-tax net operating income | $102,000 | 12,006 |
| Securities gains (losses) | $3,000 | 7,429 |
| Applicable income taxes | $13,000 | 12,284 |
| Income before extraordinary items | $92,000 | 12,035 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $92,000 | 12,095 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 8,392 |
| Cash dividends | $65,000 | 7,330 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $89,360 | 11,782 |
* 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.