Home > Bank of Birch Tree > Income and Expense
Bank of Birch Tree, Income and Expense
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $338,000 | 6,786 |
| Total interest expense | $35,000 | 6,940 |
| Net interest income | $303,000 | 6,714 |
| Provision for loan and lease losses | $30,000 | 4,088 |
| Total noninterest income | $32,000 | 6,305 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $24,000 | 5,577 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $8,000 | 6,361 |
| Total noninterest expense | $251,000 | 6,758 |
| Salaries and employee benefits | $156,000 | 6,584 |
| Premises and equipment expense | $20,000 | 6,845 |
| Additional noninterest expense | $75,000 | 6,801 |
| Pre-tax net operating income | $54,000 | 5,888 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $21,000 | 3,648 |
| Income before extraordinary items | $33,000 | 6,179 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $33,000 | 6,178 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $33,000 | 6,179 |
| Net charge-offs | $30,000 | 3,422 |
| Cash dividends | $16,000 | 2,662 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $33,000 | 6,053 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $1,431,000 | 6,811 |
| Total interest expense | $178,000 | 6,973 |
| Net interest income | $1,253,000 | 6,733 |
| Provision for loan and lease losses | $157,000 | 4,886 |
| Total noninterest income | $175,000 | 5,879 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $141,000 | 4,999 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $34,000 | 6,147 |
| Total noninterest expense | $1,005,000 | 6,825 |
| Salaries and employee benefits | $646,000 | 6,595 |
| Premises and equipment expense | $75,000 | 7,001 |
| Additional noninterest expense | $284,000 | 6,908 |
| Pre-tax net operating income | $266,000 | 5,338 |
| Securities gains (losses) | $34,000 | 2,832 |
| Applicable income taxes | $96,000 | 3,403 |
| Income before extraordinary items | $204,000 | 5,544 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $204,000 | 5,546 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $204,000 | 5,546 |
| Net charge-offs | $84,000 | 5,114 |
| Cash dividends | $208,000 | 3,314 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $180,880 | 5,504 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $1,095,000 | 6,866 |
| Total interest expense | $139,000 | 7,047 |
| Net interest income | $956,000 | 6,766 |
| Provision for loan and lease losses | $91,000 | 5,032 |
| Total noninterest income | $124,000 | 6,062 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $107,000 | 5,008 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $17,000 | 6,460 |
| Total noninterest expense | $752,000 | 6,874 |
| Salaries and employee benefits | $476,000 | 6,638 |
| Premises and equipment expense | $63,000 | 6,982 |
| Additional noninterest expense | $213,000 | 6,960 |
| Pre-tax net operating income | $237,000 | 5,330 |
| Securities gains (losses) | $33,000 | 2,590 |
| Applicable income taxes | $88,000 | 3,299 |
| Income before extraordinary items | $182,000 | 5,558 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $182,000 | 5,559 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $182,000 | 5,559 |
| Net charge-offs | $15,000 | 5,648 |
| Cash dividends | $193,000 | 2,749 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $159,890 | 5,536 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $733,000 | 6,924 |
| Total interest expense | $95,000 | 7,123 |
| Net interest income | $638,000 | 6,826 |
| Provision for loan and lease losses | $44,000 | 5,243 |
| Total noninterest income | $76,000 | 6,184 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $66,000 | 5,116 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $10,000 | 6,590 |
| Total noninterest expense | $518,000 | 6,907 |
| Salaries and employee benefits | $321,000 | 6,693 |
| Premises and equipment expense | $41,000 | 7,066 |
| Additional noninterest expense | $156,000 | 6,947 |
| Pre-tax net operating income | $152,000 | 5,388 |
| Securities gains (losses) | $10,000 | 2,357 |
| Applicable income taxes | $51,000 | 3,349 |
| Income before extraordinary items | $111,000 | 5,616 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $111,000 | 5,615 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $111,000 | 5,616 |
| Net charge-offs | $19,000 | 5,072 |
| Cash dividends | $176,000 | 2,393 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $104,100 | 5,582 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $369,000 | 6,960 |
| Total interest expense | $48,000 | 7,191 |
| Net interest income | $321,000 | 6,849 |
| Provision for loan and lease losses | $18,000 | 5,065 |
| Total noninterest income | $37,000 | 6,288 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $31,000 | 5,167 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $6,000 | 6,638 |
| Total noninterest expense | $254,000 | 6,977 |
| Salaries and employee benefits | $158,000 | 6,746 |
| Premises and equipment expense | $20,000 | 7,119 |
| Additional noninterest expense | $76,000 | 7,022 |
| Pre-tax net operating income | $86,000 | 5,303 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $23,000 | 3,360 |
| Income before extraordinary items | $63,000 | 5,511 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $63,000 | 5,509 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $63,000 | 5,510 |
| Net charge-offs | $1,000 | 4,979 |
| Cash dividends | $47,000 | 2,264 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $63,000 | 5,463 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $1,531,000 | 7,029 |
| Total interest expense | $274,000 | 7,143 |
| Net interest income | $1,257,000 | 6,922 |
| Provision for loan and lease losses | $173,000 | 5,512 |
| Total noninterest income | $177,000 | 6,110 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $151,000 | 4,883 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $26,000 | 6,495 |
| Total noninterest expense | $1,038,000 | 7,034 |
| Salaries and employee benefits | $650,000 | 6,802 |
| Premises and equipment expense | $73,000 | 7,293 |
| Additional noninterest expense | $315,000 | 7,068 |
| Pre-tax net operating income | $223,000 | 5,134 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $72,000 | 3,431 |
| Income before extraordinary items | $151,000 | 5,446 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $151,000 | 5,445 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $151,000 | 5,447 |
| Net charge-offs | $135,000 | 5,150 |
| Cash dividends | $208,000 | 3,248 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $151,000 | 5,314 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $1,156,000 | 7,131 |
| Total interest expense | $219,000 | 7,214 |
| Net interest income | $937,000 | 7,028 |
| Provision for loan and lease losses | $155,000 | 5,204 |
| Total noninterest income | $136,000 | 6,197 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $116,000 | 4,926 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $20,000 | 6,660 |
| Total noninterest expense | $785,000 | 7,094 |
| Salaries and employee benefits | $486,000 | 6,865 |
| Premises and equipment expense | $62,000 | 7,280 |
| Additional noninterest expense | $237,000 | 7,131 |
| Pre-tax net operating income | $133,000 | 5,495 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $41,000 | 3,665 |
| Income before extraordinary items | $92,000 | 5,764 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $92,000 | 5,767 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $92,000 | 5,766 |
| Net charge-offs | $114,000 | 4,780 |
| Cash dividends | $208,000 | 2,674 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $92,000 | 5,615 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $778,000 | 7,180 |
| Total interest expense | $151,000 | 7,272 |
| Net interest income | $627,000 | 7,068 |
| Provision for loan and lease losses | $58,000 | 5,761 |
| Total noninterest income | $90,000 | 6,232 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $74,000 | 5,022 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $16,000 | 6,606 |
| Total noninterest expense | $523,000 | 7,150 |
| Salaries and employee benefits | $325,000 | 6,912 |
| Premises and equipment expense | $41,000 | 7,354 |
| Additional noninterest expense | $157,000 | 7,194 |
| Pre-tax net operating income | $136,000 | 5,285 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $51,000 | 3,264 |
| Income before extraordinary items | $85,000 | 5,644 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $85,000 | 5,647 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $85,000 | 5,646 |
| Net charge-offs | $97,000 | 4,286 |
| Cash dividends | $208,000 | 2,274 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $85,000 | 5,526 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $386,000 | 7,291 |
| Total interest expense | $77,000 | 7,364 |
| Net interest income | $309,000 | 7,174 |
| Provision for loan and lease losses | $15,000 | 5,865 |
| Total noninterest income | $42,000 | 6,351 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $34,000 | 5,147 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $8,000 | 6,771 |
| Total noninterest expense | $259,000 | 7,254 |
| Salaries and employee benefits | $163,000 | 6,992 |
| Premises and equipment expense | $19,000 | 7,478 |
| Additional noninterest expense | $77,000 | 7,310 |
| Pre-tax net operating income | $77,000 | 5,331 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $25,000 | 3,295 |
| Income before extraordinary items | $52,000 | 5,675 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $52,000 | 5,676 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $52,000 | 5,675 |
| Net charge-offs | $23,000 | 4,330 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $52,000 | 5,575 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $1,776,000 | 7,230 |
| Total interest expense | $420,000 | 7,309 |
| Net interest income | $1,356,000 | 7,060 |
| Provision for loan and lease losses | $74,000 | 6,664 |
| Total noninterest income | $180,000 | 6,373 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $162,000 | 5,025 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $18,000 | 7,001 |
| Total noninterest expense | $1,047,000 | 7,321 |
| Salaries and employee benefits | $669,000 | 7,046 |
| Premises and equipment expense | $77,000 | 7,577 |
| Additional noninterest expense | $301,000 | 7,427 |
| Pre-tax net operating income | $415,000 | 4,197 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $138,000 | 2,659 |
| Income before extraordinary items | $277,000 | 4,551 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $277,000 | 4,551 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $277,000 | 4,552 |
| Net charge-offs | $54,000 | 6,160 |
| Cash dividends | $282,000 | 3,297 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $277,000 | 4,481 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $1,330,000 | 7,304 |
| Total interest expense | $325,000 | 7,390 |
| Net interest income | $1,005,000 | 7,124 |
| Provision for loan and lease losses | $35,000 | 6,735 |
| Total noninterest income | $138,000 | 6,453 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $125,000 | 5,003 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $13,000 | 7,183 |
| Total noninterest expense | $783,000 | 7,373 |
| Salaries and employee benefits | $495,000 | 7,095 |
| Premises and equipment expense | $59,000 | 7,626 |
| Additional noninterest expense | $229,000 | 7,453 |
| Pre-tax net operating income | $325,000 | 4,436 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $114,000 | 2,784 |
| Income before extraordinary items | $211,000 | 4,799 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $211,000 | 4,800 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $211,000 | 4,800 |
| Net charge-offs | $58,000 | 5,561 |
| Cash dividends | $186,000 | 3,146 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $211,000 | 4,730 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $888,000 | 7,362 |
| Total interest expense | $224,000 | 7,459 |
| Net interest income | $664,000 | 7,176 |
| Provision for loan and lease losses | $30,000 | 6,428 |
| Total noninterest income | $96,000 | 6,440 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $84,000 | 4,993 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $12,000 | 7,161 |
| Total noninterest expense | $523,000 | 7,447 |
| Salaries and employee benefits | $333,000 | 7,157 |
| Premises and equipment expense | $36,000 | 7,770 |
| Additional noninterest expense | $154,000 | 7,502 |
| Pre-tax net operating income | $207,000 | 4,606 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $71,000 | 2,903 |
| Income before extraordinary items | $136,000 | 4,961 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $136,000 | 4,959 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $136,000 | 4,959 |
| Net charge-offs | $43,000 | 5,045 |
| Cash dividends | $186,000 | 2,765 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $136,000 | 4,872 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $444,000 | 7,419 |
| Total interest expense | $115,000 | 7,526 |
| Net interest income | $329,000 | 7,217 |
| Provision for loan and lease losses | $21,000 | 5,847 |
| Total noninterest income | $47,000 | 6,455 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $39,000 | 5,065 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $8,000 | 7,040 |
| Total noninterest expense | $260,000 | 7,472 |
| Salaries and employee benefits | $167,000 | 7,186 |
| Premises and equipment expense | $15,000 | 7,890 |
| Additional noninterest expense | $78,000 | 7,415 |
| Pre-tax net operating income | $95,000 | 5,087 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $33,000 | 3,219 |
| Income before extraordinary items | $62,000 | 5,518 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $62,000 | 5,521 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $62,000 | 5,521 |
| Net charge-offs | $41,000 | 3,730 |
| Cash dividends | $76,000 | 2,444 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $62,000 | 5,338 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $1,861,000 | 7,428 |
| Total interest expense | $552,000 | 7,577 |
| Net interest income | $1,309,000 | 7,238 |
| Provision for loan and lease losses | $36,000 | 6,768 |
| Total noninterest income | $244,000 | 6,179 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $190,000 | 4,904 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $54,000 | 6,692 |
| Total noninterest expense | $1,073,000 | 7,452 |
| Salaries and employee benefits | $686,000 | 7,192 |
| Premises and equipment expense | $103,000 | 7,589 |
| Additional noninterest expense | $284,000 | 7,525 |
| Pre-tax net operating income | $444,000 | 5,027 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $150,000 | 3,067 |
| Income before extraordinary items | $294,000 | 5,138 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $294,000 | 5,137 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 6,128 |
| Cash dividends | $456,000 | 3,496 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $294,000 | 5,301 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $1,391,000 | 7,520 |
| Total interest expense | $431,000 | 7,649 |
| Net interest income | $960,000 | 7,330 |
| Provision for loan and lease losses | $11,000 | 6,717 |
| Total noninterest income | $183,000 | 6,286 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $142,000 | 4,935 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $41,000 | 6,819 |
| Total noninterest expense | $771,000 | 7,521 |
| Salaries and employee benefits | $494,000 | 7,270 |
| Premises and equipment expense | $72,000 | 7,700 |
| Additional noninterest expense | $205,000 | 7,595 |
| Pre-tax net operating income | $361,000 | 5,403 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $123,000 | 3,422 |
| Income before extraordinary items | $238,000 | 5,514 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $238,000 | 5,511 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 5,555 |
| Cash dividends | $437,000 | 2,934 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $238,000 | 5,690 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $928,000 | 7,592 |
| Total interest expense | $307,000 | 7,684 |
| Net interest income | $621,000 | 7,413 |
| Provision for loan and lease losses | $8,000 | 6,387 |
| Total noninterest income | $125,000 | 6,299 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $98,000 | 4,866 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $27,000 | 6,905 |
| Total noninterest expense | $521,000 | 7,561 |
| Salaries and employee benefits | $328,000 | 7,348 |
| Premises and equipment expense | $50,000 | 7,710 |
| Additional noninterest expense | $143,000 | 7,579 |
| Pre-tax net operating income | $217,000 | 5,702 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $73,000 | 3,757 |
| Income before extraordinary items | $144,000 | 6,015 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $144,000 | 6,013 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,014 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $144,000 | 5,958 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $470,000 | 7,648 |
| Total interest expense | $163,000 | 7,736 |
| Net interest income | $307,000 | 7,459 |
| Provision for loan and lease losses | $4,000 | 5,832 |
| Total noninterest income | $59,000 | 6,392 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $50,000 | 4,810 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $9,000 | 7,309 |
| Total noninterest expense | $268,000 | 7,549 |
| Salaries and employee benefits | $160,000 | 7,423 |
| Premises and equipment expense | $25,000 | 7,727 |
| Additional noninterest expense | $83,000 | 7,371 |
| Pre-tax net operating income | $94,000 | 6,062 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $30,000 | 4,050 |
| Income before extraordinary items | $64,000 | 6,357 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $64,000 | 6,358 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 3,990 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $64,000 | 6,263 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $1,900,000 | 7,623 |
| Total interest expense | $685,000 | 7,685 |
| Net interest income | $1,215,000 | 7,477 |
| Provision for loan and lease losses | $44,000 | 5,799 |
| Total noninterest income | $263,000 | 6,288 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $206,000 | 4,851 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $57,000 | 6,952 |
| Total noninterest expense | $1,061,000 | 7,565 |
| Salaries and employee benefits | $627,000 | 7,469 |
| Premises and equipment expense | $92,000 | 7,832 |
| Additional noninterest expense | $342,000 | 7,338 |
| Pre-tax net operating income | $373,000 | 6,346 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $124,000 | 4,305 |
| Income before extraordinary items | $249,000 | 6,616 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $249,000 | 6,616 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 4,903 |
| Cash dividends | $75,000 | 5,479 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $249,000 | 6,600 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,411,000 | 7,683 |
| Total interest expense | $508,000 | 7,734 |
| Net interest income | $903,000 | 7,537 |
| Provision for loan and lease losses | $44,000 | 5,259 |
| Total noninterest income | $192,000 | 6,384 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $146,000 | 4,984 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $46,000 | 6,894 |
| Total noninterest expense | $754,000 | 7,622 |
| Salaries and employee benefits | $423,000 | 7,619 |
| Premises and equipment expense | $74,000 | 7,744 |
| Additional noninterest expense | $257,000 | 7,328 |
| Pre-tax net operating income | $297,000 | 6,575 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $96,000 | 4,476 |
| Income before extraordinary items | $201,000 | 6,804 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $201,000 | 6,802 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 3,960 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $201,000 | 6,789 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $922,000 | 7,757 |
| Total interest expense | $327,000 | 7,813 |
| Net interest income | $595,000 | 7,612 |
| Provision for loan and lease losses | $27,000 | 5,100 |
| Total noninterest income | $126,000 | 6,452 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $95,000 | 5,045 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $31,000 | 6,942 |
| Total noninterest expense | $496,000 | 7,699 |
| Salaries and employee benefits | $273,000 | 7,711 |
| Premises and equipment expense | $52,000 | 7,734 |
| Additional noninterest expense | $171,000 | 7,346 |
| Pre-tax net operating income | $198,000 | 6,650 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $65,000 | 4,536 |
| Income before extraordinary items | $133,000 | 6,879 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $133,000 | 6,879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 3,525 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $133,000 | 6,867 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $448,000 | 7,829 |
| Total interest expense | $158,000 | 7,884 |
| Net interest income | $290,000 | 7,688 |
| Provision for loan and lease losses | $4,000 | 5,479 |
| Total noninterest income | $48,000 | 6,883 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $39,000 | 5,359 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $9,000 | 7,488 |
| Total noninterest expense | $247,000 | 7,741 |
| Salaries and employee benefits | $140,000 | 7,718 |
| Premises and equipment expense | $25,000 | 7,791 |
| Additional noninterest expense | $82,000 | 7,439 |
| Pre-tax net operating income | $87,000 | 6,834 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $27,000 | 4,694 |
| Income before extraordinary items | $60,000 | 7,025 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $60,000 | 7,024 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,195 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $60,000 | 7,006 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,777,000 | 7,715 |
| Total interest expense | $547,000 | 7,828 |
| Net interest income | $1,230,000 | 7,549 |
| Provision for loan and lease losses | $33,000 | 5,966 |
| Total noninterest income | $189,000 | 7,012 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $140,000 | 5,644 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $49,000 | 7,272 |
| Total noninterest expense | $985,000 | 7,736 |
| Salaries and employee benefits | $599,000 | 7,598 |
| Premises and equipment expense | $97,000 | 7,834 |
| Additional noninterest expense | $289,000 | 7,635 |
| Pre-tax net operating income | $401,000 | 6,786 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $139,000 | 4,690 |
| Income before extraordinary items | $262,000 | 7,054 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $262,000 | 7,054 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 4,771 |
| Cash dividends | $3,000 | 5,931 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $262,000 | 7,051 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,319,000 | 7,787 |
| Total interest expense | $393,000 | 7,899 |
| Net interest income | $926,000 | 7,602 |
| Provision for loan and lease losses | $33,000 | 5,584 |
| Total noninterest income | $134,000 | 7,133 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $105,000 | 5,716 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $29,000 | 7,555 |
| Total noninterest expense | $744,000 | 7,726 |
| Salaries and employee benefits | $452,000 | 7,573 |
| Premises and equipment expense | $72,000 | 7,878 |
| Additional noninterest expense | $220,000 | 7,631 |
| Pre-tax net operating income | $283,000 | 7,080 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $93,000 | 4,991 |
| Income before extraordinary items | $190,000 | 7,270 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $190,000 | 7,273 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 4,424 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $190,000 | 7,265 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $861,000 | 7,821 |
| Total interest expense | $248,000 | 7,941 |
| Net interest income | $613,000 | 7,653 |
| Provision for loan and lease losses | $24,000 | 5,394 |
| Total noninterest income | $90,000 | 7,160 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $70,000 | 5,718 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $20,000 | 7,559 |
| Total noninterest expense | $500,000 | 7,745 |
| Salaries and employee benefits | $305,000 | 7,597 |
| Premises and equipment expense | $49,000 | 7,872 |
| Additional noninterest expense | $146,000 | 7,658 |
| Pre-tax net operating income | $179,000 | 7,213 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $60,000 | 5,067 |
| Income before extraordinary items | $119,000 | 7,389 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $119,000 | 7,389 |
| 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 | $119,000 | 7,392 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $418,000 | 7,876 |
| Total interest expense | $117,000 | 7,997 |
| Net interest income | $301,000 | 7,698 |
| Provision for loan and lease losses | $11,000 | 5,192 |
| Total noninterest income | $46,000 | 7,078 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $34,000 | 5,706 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $12,000 | 7,358 |
| Total noninterest expense | $251,000 | 7,747 |
| Salaries and employee benefits | $150,000 | 7,630 |
| Premises and equipment expense | $23,000 | 7,939 |
| Additional noninterest expense | $78,000 | 7,553 |
| Pre-tax net operating income | $85,000 | 7,247 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $28,000 | 5,092 |
| Income before extraordinary items | $57,000 | 7,418 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $57,000 | 7,416 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 2,945 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $57,000 | 7,422 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,518,000 | 7,884 |
| Total interest expense | $341,000 | 8,085 |
| Net interest income | $1,177,000 | 7,714 |
| Provision for loan and lease losses | $33,000 | 6,135 |
| Total noninterest income | $165,000 | 7,359 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $114,000 | 6,081 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $51,000 | 7,372 |
| Total noninterest expense | $938,000 | 7,849 |
| Salaries and employee benefits | $571,000 | 7,720 |
| Premises and equipment expense | $95,000 | 7,913 |
| Additional noninterest expense | $272,000 | 7,797 |
| Pre-tax net operating income | $371,000 | 7,156 |
| Securities gains (losses) | $-17,000 | 7,746 |
| Applicable income taxes | $66,000 | 5,674 |
| Income before extraordinary items | $288,000 | 7,239 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $288,000 | 7,241 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,898 |
| Cash dividends | $3,000 | 6,040 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $301,770 | 7,164 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,101,000 | 7,955 |
| Total interest expense | $237,000 | 8,155 |
| Net interest income | $864,000 | 7,781 |
| Provision for loan and lease losses | $14,000 | 6,380 |
| Total noninterest income | $119,000 | 7,446 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $80,000 | 6,241 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $39,000 | 7,368 |
| Total noninterest expense | $652,000 | 7,960 |
| Salaries and employee benefits | $406,000 | 7,758 |
| Premises and equipment expense | $69,000 | 7,963 |
| Additional noninterest expense | $177,000 | 8,011 |
| Pre-tax net operating income | $317,000 | 7,134 |
| Securities gains (losses) | $-17,000 | 8,109 |
| Applicable income taxes | $84,000 | 5,399 |
| Income before extraordinary items | $216,000 | 7,356 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $216,000 | 7,358 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,415 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $228,240 | 7,272 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $709,000 | 8,006 |
| Total interest expense | $146,000 | 8,199 |
| Net interest income | $563,000 | 7,833 |
| Provision for loan and lease losses | $3,000 | 6,494 |
| Total noninterest income | $77,000 | 7,470 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $51,000 | 6,276 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $26,000 | 7,352 |
| Total noninterest expense | $442,000 | 7,937 |
| Salaries and employee benefits | $269,000 | 7,778 |
| Premises and equipment expense | $52,000 | 7,822 |
| Additional noninterest expense | $121,000 | 7,967 |
| Pre-tax net operating income | $195,000 | 7,246 |
| Securities gains (losses) | $-17,000 | 8,320 |
| Applicable income taxes | $59,000 | 5,378 |
| Income before extraordinary items | $119,000 | 7,598 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $119,000 | 7,598 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,895 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $130,390 | 7,461 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $339,000 | 8,110 |
| Total interest expense | $68,000 | 8,289 |
| Net interest income | $271,000 | 7,958 |
| Provision for loan and lease losses | $3,000 | 5,957 |
| Total noninterest income | $38,000 | 7,492 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $22,000 | 6,479 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $16,000 | 7,179 |
| Total noninterest expense | $218,000 | 8,031 |
| Salaries and employee benefits | $135,000 | 7,834 |
| Premises and equipment expense | $26,000 | 7,883 |
| Additional noninterest expense | $57,000 | 8,120 |
| Pre-tax net operating income | $88,000 | 7,398 |
| Securities gains (losses) | $-17,000 | 8,636 |
| Applicable income taxes | $22,000 | 5,594 |
| Income before extraordinary items | $49,000 | 7,780 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $49,000 | 7,779 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $60,730 | 7,558 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,312,000 | 8,093 |
| Total interest expense | $215,000 | 8,412 |
| Net interest income | $1,097,000 | 7,890 |
| Provision for loan and lease losses | $20,000 | 6,718 |
| Total noninterest income | $164,000 | 7,476 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $113,000 | 6,287 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $51,000 | 7,386 |
| Total noninterest expense | $947,000 | 7,908 |
| Salaries and employee benefits | $533,000 | 7,895 |
| Premises and equipment expense | $165,000 | 7,169 |
| Additional noninterest expense | $249,000 | 8,003 |
| Pre-tax net operating income | $294,000 | 7,461 |
| Securities gains (losses) | $-61,000 | 8,634 |
| Applicable income taxes | $95,000 | 5,557 |
| Income before extraordinary items | $138,000 | 7,934 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $138,000 | 7,934 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 3,779 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $177,040 | 7,714 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $976,000 | 8,134 |
| Total interest expense | $159,000 | 8,463 |
| Net interest income | $817,000 | 7,935 |
| Provision for loan and lease losses | $20,000 | 6,311 |
| Total noninterest income | $118,000 | 7,583 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $85,000 | 6,315 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $33,000 | 7,603 |
| Total noninterest expense | $712,000 | 7,883 |
| Salaries and employee benefits | $399,000 | 7,849 |
| Premises and equipment expense | $137,000 | 6,933 |
| Additional noninterest expense | $176,000 | 8,083 |
| Pre-tax net operating income | $203,000 | 7,684 |
| Securities gains (losses) | $2,000 | 3,384 |
| Applicable income taxes | $62,000 | 5,802 |
| Income before extraordinary items | $143,000 | 7,822 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $143,000 | 7,825 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 2,961 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $141,600 | 7,792 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $647,000 | 8,204 |
| Total interest expense | $106,000 | 8,529 |
| Net interest income | $541,000 | 7,988 |
| Provision for loan and lease losses | $20,000 | 5,844 |
| Total noninterest income | $75,000 | 7,690 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $53,000 | 6,439 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $22,000 | 7,639 |
| Total noninterest expense | $492,000 | 7,866 |
| Salaries and employee benefits | $267,000 | 7,908 |
| Premises and equipment expense | $110,000 | 6,547 |
| Additional noninterest expense | $115,000 | 8,149 |
| Pre-tax net operating income | $104,000 | 7,893 |
| Securities gains (losses) | $3,000 | 2,926 |
| Applicable income taxes | $29,000 | 6,064 |
| Income before extraordinary items | $78,000 | 7,996 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $78,000 | 7,998 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $88,000 | 2,313 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $75,810 | 7,967 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $321,000 | 8,260 |
| Total interest expense | $54,000 | 8,572 |
| Net interest income | $267,000 | 8,043 |
| Provision for loan and lease losses | $20,000 | 4,792 |
| Total noninterest income | $37,000 | 7,710 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $27,000 | 6,373 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $10,000 | 7,740 |
| Total noninterest expense | $216,000 | 8,129 |
| Salaries and employee benefits | $129,000 | 7,994 |
| Premises and equipment expense | $40,000 | 7,262 |
| Additional noninterest expense | $47,000 | 8,471 |
| Pre-tax net operating income | $68,000 | 7,636 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $12,000 | 6,136 |
| Income before extraordinary items | $56,000 | 7,659 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $56,000 | 7,661 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 1,439 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $56,000 | 7,584 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,236,000 | 8,359 |
| Total interest expense | $258,000 | 8,585 |
| Net interest income | $978,000 | 8,134 |
| Provision for loan and lease losses | $6,000 | 7,489 |
| Total noninterest income | $147,000 | 7,830 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $100,000 | 6,554 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $47,000 | 7,633 |
| Total noninterest expense | $775,000 | 8,316 |
| Salaries and employee benefits | $458,000 | 8,224 |
| Premises and equipment expense | $105,000 | 8,006 |
| Additional noninterest expense | $212,000 | 8,365 |
| Pre-tax net operating income | $344,000 | 7,261 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $92,000 | 5,810 |
| Income before extraordinary items | $252,000 | 7,517 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $252,000 | 7,520 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,281 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $252,000 | 7,375 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $920,000 | 8,458 |
| Total interest expense | $203,000 | 8,657 |
| Net interest income | $717,000 | 8,234 |
| Provision for loan and lease losses | $6,000 | 7,313 |
| Total noninterest income | $98,000 | 8,055 |
| 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 | $25,000 | 8,058 |
| Total noninterest expense | $576,000 | 8,345 |
| Salaries and employee benefits | $317,000 | 8,343 |
| Premises and equipment expense | $80,000 | 7,996 |
| Additional noninterest expense | $179,000 | 8,183 |
| Pre-tax net operating income | $233,000 | 7,534 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $75,000 | 5,865 |
| Income before extraordinary items | $158,000 | 7,847 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $158,000 | 7,848 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 6,109 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $158,000 | 7,698 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $611,000 | 8,523 |
| Total interest expense | $142,000 | 8,695 |
| Net interest income | $469,000 | 8,303 |
| Provision for loan and lease losses | $6,000 | 7,004 |
| Total noninterest income | $56,000 | 8,230 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $44,000 | 6,806 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $12,000 | 8,333 |
| Total noninterest expense | $376,000 | 8,386 |
| Salaries and employee benefits | $209,000 | 8,389 |
| Premises and equipment expense | $47,000 | 8,170 |
| Additional noninterest expense | $120,000 | 8,170 |
| Pre-tax net operating income | $143,000 | 7,652 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $40,000 | 6,096 |
| Income before extraordinary items | $103,000 | 7,925 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $103,000 | 7,926 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,638 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $103,000 | 7,748 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $308,000 | 8,573 |
| Total interest expense | $76,000 | 8,718 |
| Net interest income | $232,000 | 8,360 |
| Provision for loan and lease losses | $3,000 | 6,662 |
| Total noninterest income | $22,000 | 8,506 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $16,000 | 7,223 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $6,000 | 8,357 |
| Total noninterest expense | $192,000 | 8,406 |
| Salaries and employee benefits | $105,000 | 8,433 |
| Premises and equipment expense | $23,000 | 8,216 |
| Additional noninterest expense | $64,000 | 8,103 |
| Pre-tax net operating income | $59,000 | 7,854 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $13,000 | 6,407 |
| 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 | $-1,000 | 7,386 |
| 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 | $1,355,000 | 8,535 |
| Total interest expense | $478,000 | 8,439 |
| Net interest income | $877,000 | 8,464 |
| Provision for loan and lease losses | $75,000 | 6,163 |
| Total noninterest income | $137,000 | 7,983 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $73,000 | 7,070 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $64,000 | 7,231 |
| Total noninterest expense | $687,000 | 8,565 |
| Salaries and employee benefits | $318,000 | 8,832 |
| Premises and equipment expense | $92,000 | 8,283 |
| Additional noninterest expense | $277,000 | 7,974 |
| Pre-tax net operating income | $252,000 | 7,741 |
| Securities gains (losses) | $32,000 | 2,782 |
| Applicable income taxes | $90,000 | 6,057 |
| Income before extraordinary items | $194,000 | 7,867 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $194,000 | 7,868 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,379 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $172,240 | 7,871 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,720,000 | 8,507 |
| Total interest expense | $973,000 | 8,080 |
| Net interest income | $747,000 | 8,777 |
| Provision for loan and lease losses | $230,000 | 3,830 |
| Total noninterest income | $92,000 | 8,625 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $64,000 | 7,308 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $28,000 | 8,414 |
| Total noninterest expense | $603,000 | 8,921 |
| Salaries and employee benefits | $358,000 | 8,799 |
| Premises and equipment expense | $82,000 | 8,588 |
| Additional noninterest expense | $163,000 | 8,966 |
| Pre-tax net operating income | $6,000 | 8,693 |
| Securities gains (losses) | $4,000 | 4,008 |
| Applicable income taxes | $-6,000 | 8,974 |
| Income before extraordinary items | $16,000 | 8,749 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $16,000 | 8,748 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $206,000 | 2,817 |
| Cash dividends | $6,000 | 6,558 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $12,000 | 8,681 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,855,000 | 8,559 |
| Total interest expense | $964,000 | 8,298 |
| Net interest income | $891,000 | 8,708 |
| Provision for loan and lease losses | $95,000 | 5,433 |
| Total noninterest income | $104,000 | 8,542 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $65,000 | 7,298 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $39,000 | 8,200 |
| Total noninterest expense | $669,000 | 8,910 |
| Salaries and employee benefits | $506,000 | 8,211 |
| Premises and equipment expense | $72,000 | 8,949 |
| Additional noninterest expense | $91,000 | 9,691 |
| Pre-tax net operating income | $231,000 | 8,233 |
| Securities gains (losses) | $1,000 | 1,732 |
| Applicable income taxes | $60,000 | 7,071 |
| Income before extraordinary items | $172,000 | 8,262 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $172,000 | 8,261 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 4,349 |
| Cash dividends | $6,000 | 6,797 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $171,260 | 8,274 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,769,000 | 8,748 |
| Total interest expense | $867,000 | 8,527 |
| Net interest income | $902,000 | 8,845 |
| Provision for loan and lease losses | $50,000 | 6,505 |
| Total noninterest income | $94,000 | 8,926 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $67,000 | 7,426 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $27,000 | 8,963 |
| Total noninterest expense | $656,000 | 9,156 |
| Salaries and employee benefits | $499,000 | 8,344 |
| Premises and equipment expense | $70,000 | 9,216 |
| Additional noninterest expense | $87,000 | 10,006 |
| Pre-tax net operating income | $290,000 | 8,148 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $94,000 | 7,009 |
| Income before extraordinary items | $196,000 | 8,343 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $196,000 | 8,344 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,178 |
| Cash dividends | $6,000 | 7,071 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $196,000 | 8,308 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,718,000 | 9,035 |
| Total interest expense | $887,000 | 8,723 |
| Net interest income | $831,000 | 9,178 |
| Provision for loan and lease losses | $70,000 | 5,864 |
| Total noninterest income | $87,000 | 9,240 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $70,000 | 7,542 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 9,614 |
| Total noninterest expense | $633,000 | 9,330 |
| Salaries and employee benefits | $470,000 | 8,539 |
| Premises and equipment expense | $81,000 | 9,122 |
| Additional noninterest expense | $82,000 | 10,250 |
| Pre-tax net operating income | $215,000 | 8,840 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $74,000 | 7,918 |
| Income before extraordinary items | $141,000 | 9,043 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $141,000 | 9,041 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,498 |
| Cash dividends | $6,000 | 7,410 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $141,000 | 8,982 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,590,000 | 9,563 |
| Total interest expense | $800,000 | 9,261 |
| Net interest income | $790,000 | 9,701 |
| Provision for loan and lease losses | $56,000 | 6,449 |
| Total noninterest income | $69,000 | 9,962 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $60,000 | 8,145 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $9,000 | 10,473 |
| Total noninterest expense | $593,000 | 9,774 |
| Salaries and employee benefits | $444,000 | 8,983 |
| Premises and equipment expense | $73,000 | 9,616 |
| Additional noninterest expense | $76,000 | 10,721 |
| Pre-tax net operating income | $210,000 | 9,527 |
| Securities gains (losses) | $-2,000 | 9,246 |
| Applicable income taxes | $61,000 | 9,066 |
| Income before extraordinary items | $147,000 | 9,612 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $147,000 | 9,614 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 5,500 |
| Cash dividends | $6,000 | 7,796 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $148,420 | 9,563 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,501,000 | 10,104 |
| Total interest expense | $785,000 | 9,695 |
| Net interest income | $716,000 | 10,342 |
| Provision for loan and lease losses | $50,000 | 6,559 |
| Total noninterest income | $57,000 | 10,730 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $52,000 | 8,785 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $5,000 | 11,207 |
| Total noninterest expense | $555,000 | 10,375 |
| Salaries and employee benefits | $418,000 | 9,484 |
| Premises and equipment expense | $57,000 | 10,437 |
| Additional noninterest expense | $80,000 | 11,252 |
| Pre-tax net operating income | $168,000 | 9,972 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $28,000 | 10,061 |
| Income before extraordinary items | $140,000 | 9,887 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $140,000 | 9,885 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 6,098 |
| Cash dividends | $6,000 | 8,257 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $140,000 | 9,831 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,327,000 | 10,798 |
| Total interest expense | $698,000 | 10,320 |
| Net interest income | $629,000 | 11,043 |
| Provision for loan and lease losses | $40,000 | 6,618 |
| Total noninterest income | $51,000 | 11,332 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $41,000 | 9,495 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $10,000 | 11,496 |
| Total noninterest expense | $513,000 | 10,966 |
| Salaries and employee benefits | $386,000 | 10,046 |
| Premises and equipment expense | $37,000 | 11,447 |
| Additional noninterest expense | $90,000 | 11,698 |
| Pre-tax net operating income | $127,000 | 10,928 |
| Securities gains (losses) | $2,000 | 3,270 |
| Applicable income taxes | $14,000 | 10,859 |
| Income before extraordinary items | $115,000 | 10,794 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $115,000 | 10,794 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 6,295 |
| Cash dividends | $6,000 | 8,635 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $113,220 | 10,778 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,228,000 | 11,290 |
| Total interest expense | $560,000 | 10,803 |
| Net interest income | $668,000 | 11,490 |
| Provision for loan and lease losses | $14,000 | 8,180 |
| Total noninterest income | $36,000 | 12,186 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $33,000 | 10,239 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,000 | 12,453 |
| Total noninterest expense | $478,000 | 11,713 |
| Salaries and employee benefits | $356,000 | 10,683 |
| Premises and equipment expense | $21,000 | 12,416 |
| Additional noninterest expense | $101,000 | 12,280 |
| Pre-tax net operating income | $212,000 | 10,804 |
| Securities gains (losses) | $-23,000 | 10,454 |
| Applicable income taxes | $40,000 | 10,689 |
| Income before extraordinary items | $149,000 | 10,835 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $149,000 | 10,839 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 6,338 |
| Cash dividends | $6,000 | 8,845 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $167,170 | 10,677 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,225,000 | 11,835 |
| Total interest expense | $524,000 | 11,569 |
| Net interest income | $701,000 | 11,873 |
| Provision for loan and lease losses | $12,000 | 9,545 |
| Total noninterest income | $37,000 | 12,826 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $35,000 | 10,569 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,000 | 13,164 |
| Total noninterest expense | $473,000 | 12,297 |
| Salaries and employee benefits | $350,000 | 11,150 |
| Premises and equipment expense | $13,000 | 13,180 |
| Additional noninterest expense | $110,000 | 12,852 |
| Pre-tax net operating income | $253,000 | 10,599 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $75,000 | 10,332 |
| Income before extraordinary items | $178,000 | 10,893 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $178,000 | 10,990 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 11,621 |
| Cash dividends | $6,000 | 8,974 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $178,000 | 10,677 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,248,000 | 12,499 |
| Total interest expense | $594,000 | 12,319 |
| Net interest income | $654,000 | 12,498 |
| Provision for loan and lease losses | $32,000 | 9,896 |
| Total noninterest income | $39,000 | 13,364 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $37,000 | 10,808 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,000 | 13,804 |
| Total noninterest expense | $458,000 | 12,867 |
| Salaries and employee benefits | $339,000 | 11,564 |
| Premises and equipment expense | $21,000 | 13,653 |
| Additional noninterest expense | $98,000 | 13,553 |
| Pre-tax net operating income | $203,000 | 11,048 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $49,000 | 11,284 |
| Income before extraordinary items | $154,000 | 11,216 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $154,000 | 11,305 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 9,788 |
| Cash dividends | $6,000 | 8,796 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $154,000 | 10,876 |
* 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.