Home > 1st Bank of Troy > Income and Expense

1st Bank of Troy, Income and Expense

2013-03-31 (YTD Data)		Rank
Total interest income	$195,000	6,807
Total interest expense	$23,000	6,697
Net interest income	$172,000	6,804
Provision for loan and lease losses	$81,000	2,303
Total noninterest income	$30,000	6,199
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$24,000	5,346
Trading account gains and fees	$0	148
Additional Noninterest Income	$6,000	6,364
Total noninterest expense	$123,000	6,910
Salaries and employee benefits	$55,000	6,935
Premises and equipment expense	$28,000	6,329
Additional noninterest expense	$40,000	6,865
Pre-tax net operating income	$-2,000	6,360
Securities gains (losses)	$0	1,966
Applicable income taxes	$-5,000	6,710
Income before extraordinary items	$3,000	6,386
Extraordinary gains, net	$0	10
Net income	$3,000	6,387
Minority interest net income	$0	76
Net income of bank and minority interests.	$3,000	6,387
Net charge-offs	$-8,000	6,115
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$3,000	6,310
2012-12-31 (YTD Data)		Rank
Total interest income	$971,000	6,800
Total interest expense	$125,000	6,722
Net interest income	$846,000	6,784
Provision for loan and lease losses	$86,000	4,822
Total noninterest income	$197,000	5,710
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$145,000	4,838
Trading account gains and fees	$0	166
Additional Noninterest Income	$52,000	5,836
Total noninterest expense	$1,018,000	6,568
Salaries and employee benefits	$569,000	6,521
Premises and equipment expense	$109,000	6,450
Additional noninterest expense	$340,000	6,525
Pre-tax net operating income	$-61,000	6,249
Securities gains (losses)	$33,000	2,972
Applicable income taxes	$59,000	3,816
Income before extraordinary items	$-87,000	6,400
Extraordinary gains, net	$0	29
Net income	$-87,000	6,394
Minority interest net income	$0	93
Net income of bank and minority interests.	$-87,000	6,396
Net charge-offs	$174,000	3,904
Cash dividends	$223,000	3,538
Sale, conversion, retirement of capital stock, net	$552,000	292
Net operating income	$-120,000	6,314
2012-09-30 (YTD Data)		Rank
Total interest income	$747,000	6,891
Total interest expense	$100,000	6,807
Net interest income	$647,000	6,876
Provision for loan and lease losses	$30,000	5,216
Total noninterest income	$151,000	5,766
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$113,000	4,850
Trading account gains and fees	$0	157
Additional Noninterest Income	$38,000	5,960
Total noninterest expense	$680,000	6,733
Salaries and employee benefits	$398,000	6,645
Premises and equipment expense	$80,000	6,548
Additional noninterest expense	$202,000	6,782
Pre-tax net operating income	$88,000	6,038
Securities gains (losses)	$33,000	2,668
Applicable income taxes	$32,000	3,997
Income before extraordinary items	$89,000	6,144
Extraordinary gains, net	$0	20
Net income	$89,000	6,142
Minority interest net income	$0	86
Net income of bank and minority interests.	$89,000	6,143
Net charge-offs	$-2,000	6,317
Cash dividends	$75,000	3,436
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$64,580	6,093
2012-06-30 (YTD Data)		Rank
Total interest income	$490,000	6,959
Total interest expense	$72,000	6,845
Net interest income	$418,000	6,941
Provision for loan and lease losses	$30,000	4,864
Total noninterest income	$95,000	5,853
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$73,000	4,902
Trading account gains and fees	$0	153
Additional Noninterest Income	$22,000	6,093
Total noninterest expense	$462,000	6,775
Salaries and employee benefits	$282,000	6,645
Premises and equipment expense	$53,000	6,590
Additional noninterest expense	$127,000	6,874
Pre-tax net operating income	$21,000	6,229
Securities gains (losses)	$32,000	2,302
Applicable income taxes	$17,000	4,055
Income before extraordinary items	$36,000	6,295
Extraordinary gains, net	$0	19
Net income	$36,000	6,295
Minority interest net income	$0	84
Net income of bank and minority interests.	$36,000	6,295
Net charge-offs	$0	5,507
Cash dividends	$75,000	3,164
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$14,240	6,273
2012-03-31 (YTD Data)		Rank
Total interest income	$254,000	6,996
Total interest expense	$40,000	6,862
Net interest income	$214,000	6,983
Provision for loan and lease losses	$30,000	4,088
Total noninterest income	$48,000	5,883
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$35,000	4,954
Trading account gains and fees	$0	148
Additional Noninterest Income	$13,000	6,065
Total noninterest expense	$187,000	6,996
Salaries and employee benefits	$95,000	7,025
Premises and equipment expense	$28,000	6,571
Additional noninterest expense	$64,000	6,907
Pre-tax net operating income	$45,000	5,986
Securities gains (losses)	$11,000	1,753
Applicable income taxes	$3,000	4,405
Income before extraordinary items	$53,000	5,945
Extraordinary gains, net	$0	19
Net income	$53,000	5,945
Minority interest net income	$0	78
Net income of bank and minority interests.	$53,000	5,945
Net charge-offs	$0	4,730
Cash dividends	$40,000	2,491
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$42,550	5,934
2011-12-31 (YTD Data)		Rank
Total interest income	$1,043,000	7,057
Total interest expense	$193,000	6,928
Net interest income	$850,000	7,040
Provision for loan and lease losses	$79,000	5,549
Total noninterest income	$209,000	5,685
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$147,000	4,925
Trading account gains and fees	$0	146
Additional Noninterest Income	$62,000	5,762
Total noninterest expense	$881,000	6,963
Salaries and employee benefits	$533,000	6,839
Premises and equipment expense	$92,000	6,885
Additional noninterest expense	$256,000	6,983
Pre-tax net operating income	$99,000	5,775
Securities gains (losses)	$4,000	3,534
Applicable income taxes	$5,000	4,437
Income before extraordinary items	$98,000	5,884
Extraordinary gains, net	$0	29
Net income	$98,000	5,886
Minority interest net income	$0	96
Net income of bank and minority interests.	$98,000	5,886
Net charge-offs	$19,000	5,920
Cash dividends	$85,000	3,835
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$94,200	5,782
2011-09-30 (YTD Data)		Rank
Total interest income	$781,000	7,134
Total interest expense	$147,000	7,008
Net interest income	$634,000	7,115
Provision for loan and lease losses	$79,000	5,215
Total noninterest income	$151,000	5,825
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$112,000	4,925
Trading account gains and fees	$0	145
Additional Noninterest Income	$39,000	6,003
Total noninterest expense	$616,000	7,064
Salaries and employee benefits	$366,000	6,952
Premises and equipment expense	$76,000	6,849
Additional noninterest expense	$174,000	7,114
Pre-tax net operating income	$90,000	5,850
Securities gains (losses)	$4,000	3,259
Applicable income taxes	$2,000	4,555
Income before extraordinary items	$92,000	5,925
Extraordinary gains, net	$0	21
Net income	$92,000	5,926
Minority interest net income	$0	87
Net income of bank and minority interests.	$92,000	5,926
Net charge-offs	$19,000	5,564
Cash dividends	$70,000	3,293
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$88,080	5,828
2011-06-30 (YTD Data)		Rank
Total interest income	$517,000	7,203
Total interest expense	$100,000	7,088
Net interest income	$417,000	7,187
Provision for loan and lease losses	$55,000	5,054
Total noninterest income	$101,000	5,841
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$72,000	4,984
Trading account gains and fees	$0	153
Additional Noninterest Income	$29,000	5,978
Total noninterest expense	$435,000	7,081
Salaries and employee benefits	$277,000	6,896
Premises and equipment expense	$48,000	6,956
Additional noninterest expense	$110,000	7,217
Pre-tax net operating income	$28,000	6,055
Securities gains (losses)	$4,000	2,586
Applicable income taxes	$12,000	4,034
Income before extraordinary items	$20,000	6,191
Extraordinary gains, net	$0	15
Net income	$20,000	6,190
Minority interest net income	$0	89
Net income of bank and minority interests.	$20,000	6,191
Net charge-offs	$-5,000	6,855
Cash dividends	$70,000	2,986
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$17,440	6,136
2011-03-31 (YTD Data)		Rank
Total interest income	$260,000	7,255
Total interest expense	$51,000	7,150
Net interest income	$209,000	7,230
Provision for loan and lease losses	$30,000	4,582
Total noninterest income	$46,000	6,043
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$35,000	4,978
Trading account gains and fees	$0	158
Additional Noninterest Income	$11,000	6,315
Total noninterest expense	$165,000	7,323
Salaries and employee benefits	$92,000	7,269
Premises and equipment expense	$24,000	6,995
Additional noninterest expense	$49,000	7,345
Pre-tax net operating income	$60,000	5,619
Securities gains (losses)	$0	1,772
Applicable income taxes	$12,000	3,703
Income before extraordinary items	$48,000	5,740
Extraordinary gains, net	$0	9
Net income	$48,000	5,739
Minority interest net income	$0	86
Net income of bank and minority interests.	$48,000	5,740
Net charge-offs	$0	5,107
Cash dividends	$35,000	2,347
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$48,000	5,701
2010-12-31 (YTD Data)		Rank
Total interest income	$1,074,000	7,315
Total interest expense	$222,000	7,269
Net interest income	$852,000	7,279
Provision for loan and lease losses	$120,000	5,848
Total noninterest income	$197,000	5,975
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$147,000	4,931
Trading account gains and fees	$0	175
Additional Noninterest Income	$50,000	6,107
Total noninterest expense	$802,000	7,286
Salaries and employee benefits	$497,000	7,133
Premises and equipment expense	$90,000	7,140
Additional noninterest expense	$215,000	7,372
Pre-tax net operating income	$127,000	5,403
Securities gains (losses)	$1,000	3,687
Applicable income taxes	$49,000	3,643
Income before extraordinary items	$79,000	5,686
Extraordinary gains, net	$0	29
Net income	$79,000	5,687
Minority interest net income	$0	111
Net income of bank and minority interests.	$79,000	5,687
Net charge-offs	$211,000	4,709
Cash dividends	$75,000	3,828
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$78,360	5,554
2010-09-30 (YTD Data)		Rank
Total interest income	$811,000	7,423
Total interest expense	$166,000	7,397
Net interest income	$645,000	7,372
Provision for loan and lease losses	$120,000	5,511
Total noninterest income	$143,000	6,135
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$106,000	5,088
Trading account gains and fees	$0	165
Additional Noninterest Income	$37,000	6,263
Total noninterest expense	$581,000	7,389
Salaries and employee benefits	$359,000	7,240
Premises and equipment expense	$67,000	7,234
Additional noninterest expense	$155,000	7,486
Pre-tax net operating income	$87,000	5,671
Securities gains (losses)	$1,000	3,533
Applicable income taxes	$37,000	3,726
Income before extraordinary items	$51,000	5,927
Extraordinary gains, net	$0	23
Net income	$51,000	5,927
Minority interest net income	$0	110
Net income of bank and minority interests.	$51,000	5,927
Net charge-offs	$212,000	4,160
Cash dividends	$70,000	3,346
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$50,360	5,803
2010-06-30 (YTD Data)		Rank
Total interest income	$545,000	7,487
Total interest expense	$110,000	7,480
Net interest income	$435,000	7,428
Provision for loan and lease losses	$60,000	5,595
Total noninterest income	$102,000	6,034
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$75,000	4,997
Trading account gains and fees	$0	152
Additional Noninterest Income	$27,000	6,237
Total noninterest expense	$416,000	7,383
Salaries and employee benefits	$269,000	7,177
Premises and equipment expense	$44,000	7,300
Additional noninterest expense	$103,000	7,543
Pre-tax net operating income	$61,000	5,735
Securities gains (losses)	$1,000	3,060
Applicable income taxes	$25,000	3,662
Income before extraordinary items	$37,000	5,990
Extraordinary gains, net	$0	19
Net income	$37,000	5,992
Minority interest net income	$0	105
Net income of bank and minority interests.	$37,000	5,991
Net charge-offs	$108,000	4,157
Cash dividends	$35,000	3,277
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$36,360	5,898
2010-03-31 (YTD Data)		Rank
Total interest income	$272,000	7,582
Total interest expense	$56,000	7,583
Net interest income	$216,000	7,521
Provision for loan and lease losses	$30,000	5,300
Total noninterest income	$46,000	6,245
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$38,000	4,970
Trading account gains and fees	$0	175
Additional Noninterest Income	$8,000	6,771
Total noninterest expense	$165,000	7,667
Salaries and employee benefits	$86,000	7,652
Premises and equipment expense	$23,000	7,349
Additional noninterest expense	$56,000	7,580
Pre-tax net operating income	$67,000	5,449
Securities gains (losses)	$0	2,284
Applicable income taxes	$13,000	3,663
Income before extraordinary items	$54,000	5,644
Extraordinary gains, net	$0	16
Net income	$54,000	5,645
Minority interest net income	$0	91
Net income of bank and minority interests.	$54,000	5,644
Net charge-offs	$59,000	3,587
Cash dividends	$35,000	2,391
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$54,000	5,544
2009-12-31 (YTD Data)		Rank
Total interest income	$1,121,000	7,644
Total interest expense	$240,000	7,703
Net interest income	$881,000	7,551
Provision for loan and lease losses	$88,000	6,541
Total noninterest income	$188,000	6,311
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$133,000	5,328
Trading account gains and fees	$0	211
Additional Noninterest Income	$55,000	6,271
Total noninterest expense	$844,000	7,562
Salaries and employee benefits	$531,000	7,368
Premises and equipment expense	$86,000	7,499
Additional noninterest expense	$227,000	7,661
Pre-tax net operating income	$137,000	4,978
Securities gains (losses)	$7,000	3,362
Applicable income taxes	$55,000	3,210
Income before extraordinary items	$89,000	5,199
Extraordinary gains, net	$0	34
Net income	$89,000	5,198
Minority interest net income	$0	115
Net income of bank and minority interests.	$89,000	5,198
Net charge-offs	$81,000	5,873
Cash dividends	$80,000	4,248
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$84,520	5,154
2009-09-30 (YTD Data)		Rank
Total interest income	$835,000	7,729
Total interest expense	$179,000	7,810
Net interest income	$656,000	7,635
Provision for loan and lease losses	$8,000	7,164
Total noninterest income	$145,000	6,387
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$99,000	5,379
Trading account gains and fees	$0	212
Additional Noninterest Income	$46,000	6,305
Total noninterest expense	$563,000	7,726
Salaries and employee benefits	$343,000	7,573
Premises and equipment expense	$68,000	7,525
Additional noninterest expense	$152,000	7,803
Pre-tax net operating income	$230,000	4,798
Securities gains (losses)	$7,000	3,075
Applicable income taxes	$42,000	3,419
Income before extraordinary items	$195,000	4,876
Extraordinary gains, net	$0	27
Net income	$195,000	4,875
Minority interest net income	$0	118
Net income of bank and minority interests.	$195,000	4,876
Net charge-offs	$0	6,987
Cash dividends	$70,000	3,783
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$189,260	4,845
2009-06-30 (YTD Data)		Rank
Total interest income	$553,000	7,817
Total interest expense	$124,000	7,889
Net interest income	$429,000	7,703
Provision for loan and lease losses	$0	7,158
Total noninterest income	$96,000	6,440
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$65,000	5,414
Trading account gains and fees	$0	193
Additional Noninterest Income	$31,000	6,373
Total noninterest expense	$403,000	7,725
Salaries and employee benefits	$255,000	7,537
Premises and equipment expense	$43,000	7,635
Additional noninterest expense	$105,000	7,841
Pre-tax net operating income	$122,000	5,083
Securities gains (losses)	$7,000	2,683
Applicable income taxes	$29,000	3,509
Income before extraordinary items	$100,000	5,204
Extraordinary gains, net	$0	21
Net income	$100,000	5,202
Minority interest net income	$0	112
Net income of bank and minority interests.	$100,000	5,202
Net charge-offs	$0	6,628
Cash dividends	$70,000	3,511
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$94,540	5,163
2009-03-31 (YTD Data)		Rank
Total interest income	$277,000	7,868
Total interest expense	$65,000	7,938
Net interest income	$212,000	7,740
Provision for loan and lease losses	$0	6,744
Total noninterest income	$45,000	6,509
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$31,000	5,453
Trading account gains and fees	$0	171
Additional Noninterest Income	$14,000	6,542
Total noninterest expense	$155,000	7,965
Salaries and employee benefits	$87,000	7,918
Premises and equipment expense	$21,000	7,693
Additional noninterest expense	$47,000	7,900
Pre-tax net operating income	$102,000	5,016
Securities gains (losses)	$0	2,434
Applicable income taxes	$11,000	3,919
Income before extraordinary items	$91,000	5,073
Extraordinary gains, net	$0	15
Net income	$91,000	5,078
Minority interest net income	$0	102
Net income of bank and minority interests.	$91,000	5,077
Net charge-offs	$0	5,728
Cash dividends	$35,000	2,800
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$91,000	4,908
2008-12-31 (YTD Data)		Rank
Total interest income	$1,173,000	7,888
Total interest expense	$376,000	7,872
Net interest income	$797,000	7,808
Provision for loan and lease losses	$20,000	7,003
Total noninterest income	$190,000	6,548
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$135,000	5,493
Trading account gains and fees	$0	154
Additional Noninterest Income	$55,000	6,671
Total noninterest expense	$841,000	7,748
Salaries and employee benefits	$528,000	7,593
Premises and equipment expense	$92,000	7,695
Additional noninterest expense	$221,000	7,797
Pre-tax net operating income	$126,000	5,949
Securities gains (losses)	$9,000	2,546
Applicable income taxes	$44,000	3,914
Income before extraordinary items	$91,000	5,892
Extraordinary gains, net	$0	39
Net income	$91,000	5,894
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,039
Cash dividends	$75,000	5,113
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$84,970	6,060
2008-09-30 (YTD Data)		Rank
Total interest income	$884,000	7,975
Total interest expense	$299,000	7,936
Net interest income	$585,000	7,907
Provision for loan and lease losses	$0	6,991
Total noninterest income	$148,000	6,612
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$101,000	5,512
Trading account gains and fees	$0	148
Additional Noninterest Income	$47,000	6,671
Total noninterest expense	$499,000	8,001
Salaries and employee benefits	$311,000	7,900
Premises and equipment expense	$56,000	7,894
Additional noninterest expense	$132,000	8,015
Pre-tax net operating income	$234,000	5,913
Securities gains (losses)	$10,000	2,365
Applicable income taxes	$33,000	4,365
Income before extraordinary items	$211,000	5,643
Extraordinary gains, net	$0	31
Net income	$211,000	5,641
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,534
Cash dividends	$70,000	4,591
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$202,400	5,857
2008-06-30 (YTD Data)		Rank
Total interest income	$591,000	8,034
Total interest expense	$211,000	7,994
Net interest income	$380,000	7,973
Provision for loan and lease losses	$0	6,671
Total noninterest income	$96,000	6,723
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$65,000	5,586
Trading account gains and fees	$0	149
Additional Noninterest Income	$31,000	6,744
Total noninterest expense	$343,000	8,036
Salaries and employee benefits	$229,000	7,859
Premises and equipment expense	$36,000	7,974
Additional noninterest expense	$78,000	8,151
Pre-tax net operating income	$133,000	6,214
Securities gains (losses)	$3,000	2,869
Applicable income taxes	$21,000	4,649
Income before extraordinary items	$115,000	6,247
Extraordinary gains, net	$0	21
Net income	$115,000	6,247
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	5,853
Cash dividends	$70,000	4,327
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$112,450	6,205
2008-03-31 (YTD Data)		Rank
Total interest income	$302,000	8,073
Total interest expense	$115,000	8,010
Net interest income	$187,000	8,038
Provision for loan and lease losses	$0	6,080
Total noninterest income	$51,000	6,636
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$31,000	5,641
Trading account gains and fees	$0	158
Additional Noninterest Income	$20,000	6,458
Total noninterest expense	$133,000	8,254
Salaries and employee benefits	$73,000	8,241
Premises and equipment expense	$19,000	7,975
Additional noninterest expense	$41,000	8,161
Pre-tax net operating income	$105,000	5,951
Securities gains (losses)	$0	2,688
Applicable income taxes	$10,000	4,802
Income before extraordinary items	$95,000	5,908
Extraordinary gains, net	$0	15
Net income	$95,000	5,911
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,009
Cash dividends	$35,000	3,491
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$95,000	5,823
2007-12-31 (YTD Data)		Rank
Total interest income	$1,141,000	8,114
Total interest expense	$490,000	7,962
Net interest income	$651,000	8,135
Provision for loan and lease losses	$4,000	6,762
Total noninterest income	$158,000	7,055
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$126,000	5,683
Trading account gains and fees	$0	178
Additional Noninterest Income	$32,000	7,491
Total noninterest expense	$687,000	8,111
Salaries and employee benefits	$455,000	7,915
Premises and equipment expense	$68,000	8,089
Additional noninterest expense	$164,000	8,188
Pre-tax net operating income	$118,000	7,102
Securities gains (losses)	$0	2,146
Applicable income taxes	$29,000	5,248
Income before extraordinary items	$89,000	7,187
Extraordinary gains, net	$0	39
Net income	$89,000	7,186
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,600
Cash dividends	$75,000	5,479
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$89,000	7,161
2007-09-30 (YTD Data)		Rank
Total interest income	$845,000	8,179
Total interest expense	$371,000	8,012
Net interest income	$474,000	8,217
Provision for loan and lease losses	$0	6,528
Total noninterest income	$124,000	7,041
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$97,000	5,682
Trading account gains and fees	$0	184
Additional Noninterest Income	$27,000	7,429
Total noninterest expense	$443,000	8,217
Salaries and employee benefits	$282,000	8,098
Premises and equipment expense	$50,000	8,093
Additional noninterest expense	$111,000	8,262
Pre-tax net operating income	$155,000	7,121
Securities gains (losses)	$0	1,655
Applicable income taxes	$19,000	5,497
Income before extraordinary items	$136,000	7,102
Extraordinary gains, net	$0	33
Net income	$136,000	7,101
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	5,926
Cash dividends	$65,000	4,860
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$136,000	7,089
2007-06-30 (YTD Data)		Rank
Total interest income	$558,000	8,251
Total interest expense	$247,000	8,058
Net interest income	$311,000	8,294
Provision for loan and lease losses	$0	6,209
Total noninterest income	$80,000	7,121
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$63,000	5,738
Trading account gains and fees	$0	168
Additional Noninterest Income	$17,000	7,522
Total noninterest expense	$320,000	8,206
Salaries and employee benefits	$212,000	8,031
Premises and equipment expense	$31,000	8,178
Additional noninterest expense	$77,000	8,272
Pre-tax net operating income	$71,000	7,406
Securities gains (losses)	$0	1,444
Applicable income taxes	$11,000	5,629
Income before extraordinary items	$60,000	7,413
Extraordinary gains, net	$0	29
Net income	$60,000	7,412
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,517
Cash dividends	$65,000	4,585
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$60,000	7,403
2007-03-31 (YTD Data)		Rank
Total interest income	$278,000	8,306
Total interest expense	$123,000	8,106
Net interest income	$155,000	8,350
Provision for loan and lease losses	$0	5,779
Total noninterest income	$41,000	7,099
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$31,000	5,740
Trading account gains and fees	$0	195
Additional Noninterest Income	$10,000	7,401
Total noninterest expense	$121,000	8,427
Salaries and employee benefits	$68,000	8,416
Premises and equipment expense	$14,000	8,242
Additional noninterest expense	$39,000	8,292
Pre-tax net operating income	$75,000	6,995
Securities gains (losses)	$0	1,187
Applicable income taxes	$5,000	5,693
Income before extraordinary items	$70,000	6,861
Extraordinary gains, net	$0	22
Net income	$70,000	6,860
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,509
Cash dividends	$35,000	3,706
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$70,000	6,844
2006-12-31 (YTD Data)		Rank
Total interest income	$1,019,000	8,270
Total interest expense	$407,000	8,083
Net interest income	$612,000	8,311
Provision for loan and lease losses	$5,000	6,719
Total noninterest income	$154,000	7,276
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$120,000	5,903
Trading account gains and fees	$0	130
Additional Noninterest Income	$34,000	7,619
Total noninterest expense	$653,000	8,242
Salaries and employee benefits	$445,000	8,031
Premises and equipment expense	$56,000	8,301
Additional noninterest expense	$152,000	8,358
Pre-tax net operating income	$108,000	7,682
Securities gains (losses)	$0	1,687
Applicable income taxes	$22,000	5,895
Income before extraordinary items	$86,000	7,722
Extraordinary gains, net	$0	51
Net income	$86,000	7,724
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	7,486
Cash dividends	$70,000	5,603
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$86,000	7,712
2006-09-30 (YTD Data)		Rank
Total interest income	$749,000	8,349
Total interest expense	$293,000	8,158
Net interest income	$456,000	8,390
Provision for loan and lease losses	$0	6,685
Total noninterest income	$116,000	7,327
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$90,000	5,964
Trading account gains and fees	$0	126
Additional Noninterest Income	$26,000	7,656
Total noninterest expense	$426,000	8,383
Salaries and employee benefits	$277,000	8,233
Premises and equipment expense	$45,000	8,304
Additional noninterest expense	$104,000	8,454
Pre-tax net operating income	$146,000	7,641
Securities gains (losses)	$0	1,388
Applicable income taxes	$16,000	6,057
Income before extraordinary items	$130,000	7,574
Extraordinary gains, net	$0	45
Net income	$130,000	7,576
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	7,141
Cash dividends	$65,000	4,938
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$130,000	7,577
2006-06-30 (YTD Data)		Rank
Total interest income	$488,000	8,411
Total interest expense	$188,000	8,188
Net interest income	$300,000	8,460
Provision for loan and lease losses	$0	6,419
Total noninterest income	$81,000	7,313
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$60,000	5,971
Trading account gains and fees	$0	126
Additional Noninterest Income	$21,000	7,503
Total noninterest expense	$308,000	8,348
Salaries and employee benefits	$209,000	8,154
Premises and equipment expense	$30,000	8,317
Additional noninterest expense	$69,000	8,484
Pre-tax net operating income	$73,000	7,841
Securities gains (losses)	$0	1,185
Applicable income taxes	$11,000	6,097
Income before extraordinary items	$62,000	7,825
Extraordinary gains, net	$0	39
Net income	$62,000	7,826
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	6,860
Cash dividends	$65,000	4,658
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$62,000	7,827
2006-03-31 (YTD Data)		Rank
Total interest income	$237,000	8,437
Total interest expense	$90,000	8,217
Net interest income	$147,000	8,500
Provision for loan and lease losses	$0	6,013
Total noninterest income	$43,000	7,194
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$29,000	5,974
Trading account gains and fees	$0	115
Additional Noninterest Income	$14,000	7,173
Total noninterest expense	$119,000	8,563
Salaries and employee benefits	$69,000	8,528
Premises and equipment expense	$15,000	8,314
Additional noninterest expense	$35,000	8,488
Pre-tax net operating income	$71,000	7,428
Securities gains (losses)	$0	955
Applicable income taxes	$5,000	6,088
Income before extraordinary items	$66,000	7,261
Extraordinary gains, net	$0	21
Net income	$66,000	7,261
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	6,481
Cash dividends	$35,000	3,704
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$66,000	7,262
2005-12-31 (YTD Data)		Rank
Total interest income	$850,000	8,447
Total interest expense	$262,000	8,289
Net interest income	$588,000	8,460
Provision for loan and lease losses	$15,000	6,626
Total noninterest income	$149,000	7,502
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$111,000	6,128
Trading account gains and fees	$0	138
Additional Noninterest Income	$38,000	7,667
Total noninterest expense	$614,000	8,400
Salaries and employee benefits	$417,000	8,156
Premises and equipment expense	$55,000	8,408
Additional noninterest expense	$142,000	8,528
Pre-tax net operating income	$108,000	7,973
Securities gains (losses)	$-1,000	6,938
Applicable income taxes	$26,000	6,215
Income before extraordinary items	$81,000	8,029
Extraordinary gains, net	$0	46
Net income	$81,000	8,028
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,000	5,317
Cash dividends	$65,000	5,700
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$81,760	8,000
2005-09-30 (YTD Data)		Rank
Total interest income	$626,000	8,492
Total interest expense	$186,000	8,329
Net interest income	$440,000	8,505
Provision for loan and lease losses	$0	6,899
Total noninterest income	$107,000	7,593
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$81,000	6,223
Trading account gains and fees	$0	126
Additional Noninterest Income	$26,000	7,789
Total noninterest expense	$406,000	8,504
Salaries and employee benefits	$264,000	8,338
Premises and equipment expense	$39,000	8,441
Additional noninterest expense	$103,000	8,562
Pre-tax net operating income	$141,000	7,863
Securities gains (losses)	$-1,000	7,299
Applicable income taxes	$21,000	6,272
Income before extraordinary items	$119,000	7,856
Extraordinary gains, net	$0	35
Net income	$119,000	7,857
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,000	4,651
Cash dividends	$65,000	4,917
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$119,850	7,825
2005-06-30 (YTD Data)		Rank
Total interest income	$415,000	8,508
Total interest expense	$117,000	8,357
Net interest income	$298,000	8,511
Provision for loan and lease losses	$0	6,626
Total noninterest income	$63,000	7,719
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$50,000	6,311
Trading account gains and fees	$0	116
Additional Noninterest Income	$13,000	7,996
Total noninterest expense	$291,000	8,445
Salaries and employee benefits	$194,000	8,232
Premises and equipment expense	$26,000	8,447
Additional noninterest expense	$71,000	8,525
Pre-tax net operating income	$70,000	8,026
Securities gains (losses)	$-1,000	7,609
Applicable income taxes	$16,000	6,203
Income before extraordinary items	$53,000	8,085
Extraordinary gains, net	$0	30
Net income	$53,000	8,085
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,000	4,010
Cash dividends	$65,000	4,599
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$53,770	8,048
2005-03-31 (YTD Data)		Rank
Total interest income	$204,000	8,599
Total interest expense	$57,000	8,422
Net interest income	$147,000	8,600
Provision for loan and lease losses	$0	6,226
Total noninterest income	$32,000	7,719
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$24,000	6,339
Trading account gains and fees	$0	115
Additional Noninterest Income	$8,000	7,922
Total noninterest expense	$112,000	8,690
Salaries and employee benefits	$64,000	8,660
Premises and equipment expense	$13,000	8,500
Additional noninterest expense	$35,000	8,588
Pre-tax net operating income	$67,000	7,674
Securities gains (losses)	$0	1,685
Applicable income taxes	$11,000	6,040
Income before extraordinary items	$56,000	7,665
Extraordinary gains, net	$0	24
Net income	$56,000	7,664
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,000	2,822
Cash dividends	$35,000	3,575
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$56,000	7,633
2004-12-31 (YTD Data)		Rank
Total interest income	$800,000	8,571
Total interest expense	$208,000	8,437
Net interest income	$592,000	8,557
Provision for loan and lease losses	$3,000	7,246
Total noninterest income	$127,000	7,825
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	$23,000	8,128
Total noninterest expense	$597,000	8,527
Salaries and employee benefits	$404,000	8,291
Premises and equipment expense	$49,000	8,613
Additional noninterest expense	$144,000	8,625
Pre-tax net operating income	$119,000	8,050
Securities gains (losses)	$1,000	3,645
Applicable income taxes	$42,000	6,135
Income before extraordinary items	$78,000	8,177
Extraordinary gains, net	$0	34
Net income	$78,000	8,177
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	7,978
Cash dividends	$65,000	5,727
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$77,350	8,142
2004-09-30 (YTD Data)		Rank
Total interest income	$597,000	8,618
Total interest expense	$156,000	8,480
Net interest income	$441,000	8,610
Provision for loan and lease losses	$0	7,100
Total noninterest income	$101,000	7,791
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$78,000	6,466
Trading account gains and fees	$0	134
Additional Noninterest Income	$23,000	7,956
Total noninterest expense	$406,000	8,632
Salaries and employee benefits	$263,000	8,456
Premises and equipment expense	$36,000	8,644
Additional noninterest expense	$107,000	8,644
Pre-tax net operating income	$136,000	7,967
Securities gains (losses)	$1,000	3,538
Applicable income taxes	$32,000	6,249
Income before extraordinary items	$105,000	8,041
Extraordinary gains, net	$0	26
Net income	$105,000	8,043
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	7,697
Cash dividends	$65,000	4,879
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$104,230	7,996
2004-06-30 (YTD Data)		Rank
Total interest income	$393,000	8,684
Total interest expense	$103,000	8,558
Net interest income	$290,000	8,667
Provision for loan and lease losses	$0	6,885
Total noninterest income	$65,000	7,875
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$50,000	6,543
Trading account gains and fees	$0	130
Additional Noninterest Income	$15,000	8,015
Total noninterest expense	$289,000	8,611
Salaries and employee benefits	$196,000	8,364
Premises and equipment expense	$25,000	8,656
Additional noninterest expense	$68,000	8,733
Pre-tax net operating income	$66,000	8,148
Securities gains (losses)	$1,000	3,212
Applicable income taxes	$21,000	6,258
Income before extraordinary items	$46,000	8,263
Extraordinary gains, net	$0	21
Net income	$46,000	8,265
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	5,680
Cash dividends	$65,000	4,533
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$45,310	8,204
2004-03-31 (YTD Data)		Rank
Total interest income	$198,000	8,721
Total interest expense	$55,000	8,560
Net interest income	$143,000	8,722
Provision for loan and lease losses	$0	6,501
Total noninterest income	$33,000	7,851
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$23,000	6,604
Trading account gains and fees	$0	121
Additional Noninterest Income	$10,000	7,740
Total noninterest expense	$113,000	8,850
Salaries and employee benefits	$65,000	8,824
Premises and equipment expense	$11,000	8,739
Additional noninterest expense	$37,000	8,708
Pre-tax net operating income	$63,000	7,712
Securities gains (losses)	$0	2,934
Applicable income taxes	$11,000	6,197
Income before extraordinary items	$52,000	7,741
Extraordinary gains, net	$0	16
Net income	$52,000	7,741
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	4,591
Cash dividends	$35,000	3,527
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$52,000	7,676
2003-12-31 (YTD Data)		Rank
Total interest income	$899,000	8,669
Total interest expense	$272,000	8,552
Net interest income	$627,000	8,658
Provision for loan and lease losses	$5,000	7,519
Total noninterest income	$143,000	7,882
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$97,000	6,604
Trading account gains and fees	$0	160
Additional Noninterest Income	$46,000	7,657
Total noninterest expense	$626,000	8,604
Salaries and employee benefits	$438,000	8,280
Premises and equipment expense	$37,000	8,925
Additional noninterest expense	$151,000	8,755
Pre-tax net operating income	$139,000	8,054
Securities gains (losses)	$0	4,500
Applicable income taxes	$51,000	6,255
Income before extraordinary items	$88,000	8,281
Extraordinary gains, net	$0	54
Net income	$88,000	8,286
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	7,310
Cash dividends	$70,000	5,784
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$88,000	8,174
2003-09-30 (YTD Data)		Rank
Total interest income	$677,000	8,749
Total interest expense	$209,000	8,629
Net interest income	$468,000	8,733
Provision for loan and lease losses	$0	7,481
Total noninterest income	$101,000	8,008
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$73,000	6,657
Trading account gains and fees	$0	153
Additional Noninterest Income	$28,000	7,919
Total noninterest expense	$395,000	8,826
Salaries and employee benefits	$264,000	8,593
Premises and equipment expense	$27,000	8,976
Additional noninterest expense	$104,000	8,863
Pre-tax net operating income	$174,000	7,853
Securities gains (losses)	$0	4,204
Applicable income taxes	$41,000	6,370
Income before extraordinary items	$133,000	8,024
Extraordinary gains, net	$0	40
Net income	$133,000	8,027
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,967
Cash dividends	$70,000	4,959
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$133,000	7,884
2003-06-30 (YTD Data)		Rank
Total interest income	$454,000	8,797
Total interest expense	$145,000	8,677
Net interest income	$309,000	8,776
Provision for loan and lease losses	$0	7,324
Total noninterest income	$69,000	7,980
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$47,000	6,687
Trading account gains and fees	$0	150
Additional Noninterest Income	$22,000	7,723
Total noninterest expense	$287,000	8,729
Salaries and employee benefits	$203,000	8,440
Premises and equipment expense	$20,000	8,935
Additional noninterest expense	$64,000	8,923
Pre-tax net operating income	$91,000	8,077
Securities gains (losses)	$0	3,782
Applicable income taxes	$30,000	6,338
Income before extraordinary items	$61,000	8,326
Extraordinary gains, net	$0	30
Net income	$61,000	8,327
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	6,334
Cash dividends	$70,000	4,547
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$61,000	8,195
2003-03-31 (YTD Data)		Rank
Total interest income	$233,000	8,836
Total interest expense	$77,000	8,703
Net interest income	$156,000	8,812
Provision for loan and lease losses	$0	6,934
Total noninterest income	$30,000	8,154
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$22,000	6,745
Trading account gains and fees	$0	134
Additional Noninterest Income	$8,000	8,105
Total noninterest expense	$106,000	9,046
Salaries and employee benefits	$61,000	9,018
Premises and equipment expense	$11,000	8,922
Additional noninterest expense	$34,000	8,932
Pre-tax net operating income	$80,000	7,523
Securities gains (losses)	$0	2,891
Applicable income taxes	$15,000	6,300
Income before extraordinary items	$65,000	7,583
Extraordinary gains, net	$0	21
Net income	$65,000	7,584
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	5,250
Cash dividends	$35,000	3,583
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$65,000	7,429
2002-12-31 (YTD Data)		Rank
Total interest income	$1,046,000	8,814
Total interest expense	$402,000	8,657
Net interest income	$644,000	8,826
Provision for loan and lease losses	$5,000	7,962
Total noninterest income	$115,000	8,229
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$86,000	6,823
Trading account gains and fees	$0	153
Additional Noninterest Income	$29,000	8,234
Total noninterest expense	$612,000	8,742
Salaries and employee benefits	$422,000	8,433
Premises and equipment expense	$45,000	8,977
Additional noninterest expense	$145,000	8,918
Pre-tax net operating income	$142,000	8,147
Securities gains (losses)	$0	4,537
Applicable income taxes	$55,000	6,468
Income before extraordinary items	$87,000	8,394
Extraordinary gains, net	$0	70
Net income	$87,000	8,397
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	7,420
Cash dividends	$70,000	5,810
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$87,000	8,304
2001-12-31 (YTD Data)		Rank
Total interest income	$1,160,000	9,020
Total interest expense	$547,000	8,930
Net interest income	$613,000	9,016
Provision for loan and lease losses	$10,000	7,930
Total noninterest income	$136,000	8,019
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$92,000	6,725
Trading account gains and fees	$0	177
Additional Noninterest Income	$44,000	7,857
Total noninterest expense	$618,000	8,885
Salaries and employee benefits	$429,000	8,493
Premises and equipment expense	$51,000	9,106
Additional noninterest expense	$138,000	9,142
Pre-tax net operating income	$121,000	8,233
Securities gains (losses)	$0	4,612
Applicable income taxes	$24,000	7,209
Income before extraordinary items	$97,000	8,355
Extraordinary gains, net	$0	105
Net income	$97,000	8,353
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,777
Cash dividends	$75,000	5,935
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$97,000	8,251
2000-12-31 (YTD Data)		Rank
Total interest income	$1,174,000	9,247
Total interest expense	$588,000	9,070
Net interest income	$586,000	9,315
Provision for loan and lease losses	$5,000	8,144
Total noninterest income	$115,000	8,380
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$86,000	6,857
Trading account gains and fees	NA	NA
Additional Noninterest Income	$29,000	8,576
Total noninterest expense	$600,000	9,091
Salaries and employee benefits	$420,000	8,648
Premises and equipment expense	$44,000	9,476
Additional noninterest expense	$136,000	9,358
Pre-tax net operating income	$96,000	8,809
Securities gains (losses)	$-6,000	8,044
Applicable income taxes	$10,000	8,067
Income before extraordinary items	$80,000	8,826
Extraordinary gains, net	$0	38
Net income	$80,000	8,826
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	7,352
Cash dividends	$64,000	6,280
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$85,340	8,785
1999-12-31 (YTD Data)		Rank
Total interest income	$1,046,000	9,574
Total interest expense	$508,000	9,418
Net interest income	$538,000	9,622
Provision for loan and lease losses	$8,000	8,218
Total noninterest income	$97,000	8,869
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$73,000	7,279
Trading account gains and fees	NA	NA
Additional Noninterest Income	$24,000	9,087
Total noninterest expense	$575,000	9,401
Salaries and employee benefits	$422,000	8,773
Premises and equipment expense	$38,000	9,862
Additional noninterest expense	$115,000	9,810
Pre-tax net operating income	$52,000	9,227
Securities gains (losses)	$0	3,155
Applicable income taxes	$20,000	8,212
Income before extraordinary items	$32,000	9,321
Extraordinary gains, net	$0	35
Net income	$32,000	9,316
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	6,892
Cash dividends	$15,000	6,992
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$32,000	9,289
1998-12-31 (YTD Data)		Rank
Total interest income	$1,069,000	9,789
Total interest expense	$534,000	9,617
Net interest income	$535,000	9,853
Provision for loan and lease losses	$5,000	8,460
Total noninterest income	$103,000	8,980
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$66,000	7,628
Trading account gains and fees	NA	NA
Additional Noninterest Income	$37,000	8,655
Total noninterest expense	$580,000	9,511
Salaries and employee benefits	$422,000	8,826
Premises and equipment expense	$38,000	10,066
Additional noninterest expense	$120,000	9,956
Pre-tax net operating income	$53,000	9,606
Securities gains (losses)	$0	4,449
Applicable income taxes	$17,000	8,941
Income before extraordinary items	$36,000	9,694
Extraordinary gains, net	$0	32
Net income	$36,000	9,692
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	9,217
Cash dividends	$15,000	7,315
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$36,000	9,633
1997-12-31 (YTD Data)		Rank
Total interest income	$1,017,000	10,294
Total interest expense	$518,000	10,053
Net interest income	$499,000	10,373
Provision for loan and lease losses	$9,000	8,470
Total noninterest income	$107,000	9,285
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$62,000	8,090
Trading account gains and fees	NA	NA
Additional Noninterest Income	$45,000	8,650
Total noninterest expense	$559,000	9,900
Salaries and employee benefits	$412,000	9,180
Premises and equipment expense	$33,000	10,570
Additional noninterest expense	$114,000	10,407
Pre-tax net operating income	$38,000	10,279
Securities gains (losses)	$-3,000	9,416
Applicable income taxes	$4,000	9,982
Income before extraordinary items	$31,000	10,320
Extraordinary gains, net	$0	44
Net income	$31,000	10,322
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	7,455
Cash dividends	$15,000	7,671
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$33,670	10,275
1996-12-31 (YTD Data)		Rank
Total interest income	$999,000	10,819
Total interest expense	$498,000	10,601
Net interest income	$501,000	10,894
Provision for loan and lease losses	$10,000	8,531
Total noninterest income	$97,000	9,938
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$63,000	8,465
Trading account gains and fees	NA	NA
Additional Noninterest Income	$34,000	9,653
Total noninterest expense	$564,000	10,340
Salaries and employee benefits	$415,000	9,502
Premises and equipment expense	$41,000	10,885
Additional noninterest expense	$108,000	11,014
Pre-tax net operating income	$24,000	10,696
Securities gains (losses)	$0	4,148
Applicable income taxes	$5,000	10,459
Income before extraordinary items	$19,000	10,741
Extraordinary gains, net	$0	53
Net income	$19,000	10,737
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	8,286
Cash dividends	$15,000	8,125
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$19,000	10,690
1995-12-31 (YTD Data)		Rank
Total interest income	$945,000	11,368
Total interest expense	$492,000	11,045
Net interest income	$453,000	11,505
Provision for loan and lease losses	$3,000	8,797
Total noninterest income	$90,000	10,506
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$61,000	8,893
Trading account gains and fees	NA	NA
Additional Noninterest Income	$29,000	10,336
Total noninterest expense	$518,000	10,948
Salaries and employee benefits	$370,000	10,168
Premises and equipment expense	$33,000	11,548
Additional noninterest expense	$115,000	11,470
Pre-tax net operating income	$22,000	11,411
Securities gains (losses)	$-1,000	9,017
Applicable income taxes	$3,000	11,058
Income before extraordinary items	$18,000	11,440
Extraordinary gains, net	$0	65
Net income	$18,000	11,437
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	8,320
Cash dividends	$7,000	8,626
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$18,860	11,404
1994-12-31 (YTD Data)		Rank
Total interest income	$842,000	12,000
Total interest expense	$369,000	11,750
Net interest income	$473,000	12,081
Provision for loan and lease losses	$2,000	9,032
Total noninterest income	$86,000	11,089
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$56,000	9,478
Trading account gains and fees	NA	NA
Additional Noninterest Income	$30,000	10,793
Total noninterest expense	$514,000	11,538
Salaries and employee benefits	$367,000	10,578
Premises and equipment expense	$24,000	12,357
Additional noninterest expense	$123,000	12,092
Pre-tax net operating income	$43,000	11,939
Securities gains (losses)	$-6,000	9,509
Applicable income taxes	$14,000	11,286
Income before extraordinary items	$23,000	11,957
Extraordinary gains, net	$0	249
Net income	$23,000	11,958
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	8,524
Cash dividends	$10,000	8,760
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$26,840	11,977
1993-12-31 (YTD Data)		Rank
Total interest income	$836,000	12,601
Total interest expense	$346,000	12,459
Net interest income	$490,000	12,585
Provision for loan and lease losses	$0	10,371
Total noninterest income	$75,000	11,939
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$52,000	9,975
Trading account gains and fees	NA	NA
Additional Noninterest Income	$23,000	11,812
Total noninterest expense	$505,000	12,143
Salaries and employee benefits	$330,000	11,357
Premises and equipment expense	$32,000	12,790
Additional noninterest expense	$143,000	12,505
Pre-tax net operating income	$60,000	12,116
Securities gains (losses)	$5,000	6,132
Applicable income taxes	$18,000	11,644
Income before extraordinary items	$47,000	12,276
Extraordinary gains, net	$0	3,149
Net income	$47,000	12,298
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	10,864
Cash dividends	$27,000	8,519
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$43,400	12,151
1992-12-31 (YTD Data)		Rank
Total interest income	$950,000	13,108
Total interest expense	$450,000	12,970
Net interest income	$500,000	13,082
Provision for loan and lease losses	$0	11,756
Total noninterest income	$52,000	13,061
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$46,000	10,479
Trading account gains and fees	NA	NA
Additional Noninterest Income	$6,000	13,603
Total noninterest expense	$491,000	12,688
Salaries and employee benefits	$317,000	11,823
Premises and equipment expense	$28,000	13,471
Additional noninterest expense	$146,000	13,009
Pre-tax net operating income	$61,000	12,344
Securities gains (losses)	$1,000	7,986
Applicable income taxes	$3,000	12,573
Income before extraordinary items	$59,000	12,475
Extraordinary gains, net	$0	1,422
Net income	$59,000	12,484
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-8,000	12,698
Cash dividends	$50,000	7,650
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$58,050	12,203

* 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.