Home > Commerce Bank > Income and Expense
Commerce Bank, Income and Expense
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $585,000 | 8,190 |
| Total interest expense | $377,000 | 7,776 |
| Net interest income | $208,000 | 8,297 |
| Provision for loan and lease losses | $219,000 | 4,077 |
| Total noninterest income | $4,720,000 | 916 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $0 | 7,386 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $4,720,000 | 580 |
| Total noninterest expense | $4,382,000 | 3,133 |
| Salaries and employee benefits | $2,501,000 | 2,977 |
| Premises and equipment expense | $182,000 | 6,329 |
| Additional noninterest expense | $1,699,000 | 2,491 |
| Pre-tax net operating income | $327,000 | 5,547 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $123,000 | 3,422 |
| Income before extraordinary items | $204,000 | 5,680 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $204,000 | 5,678 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $219,000 | 2,935 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $204,000 | 5,851 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $388,000 | 8,254 |
| Total interest expense | $263,000 | 7,838 |
| Net interest income | $125,000 | 8,374 |
| Provision for loan and lease losses | $154,000 | 3,572 |
| Total noninterest income | $3,080,000 | 947 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $0 | 7,428 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $3,080,000 | 608 |
| Total noninterest expense | $2,850,000 | 3,215 |
| Salaries and employee benefits | $1,644,000 | 3,061 |
| Premises and equipment expense | $117,000 | 6,445 |
| Additional noninterest expense | $1,089,000 | 2,546 |
| Pre-tax net operating income | $201,000 | 5,807 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $76,000 | 3,719 |
| Income before extraordinary items | $125,000 | 6,167 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $125,000 | 6,167 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $154,000 | 2,520 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $125,000 | 6,102 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $203,000 | 8,303 |
| Total interest expense | $154,000 | 7,780 |
| Net interest income | $49,000 | 8,451 |
| Provision for loan and lease losses | $99,000 | 2,759 |
| Total noninterest income | $1,465,000 | 986 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $0 | 7,431 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $1,465,000 | 627 |
| Total noninterest expense | $1,386,000 | 3,291 |
| Salaries and employee benefits | $816,000 | 3,105 |
| Premises and equipment expense | $62,000 | 6,354 |
| Additional noninterest expense | $508,000 | 2,688 |
| Pre-tax net operating income | $29,000 | 6,866 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $11,000 | 4,747 |
| Income before extraordinary items | $18,000 | 7,044 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $18,000 | 7,045 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $99,000 | 1,814 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $18,000 | 6,954 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $893,000 | 8,247 |
| Total interest expense | $891,000 | 7,328 |
| Net interest income | $2,000 | 8,529 |
| Provision for loan and lease losses | $114,000 | 4,750 |
| Total noninterest income | $6,866,000 | 847 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $0 | 7,508 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $6,866,000 | 529 |
| Total noninterest expense | $5,815,000 | 3,048 |
| Salaries and employee benefits | $3,213,000 | 3,054 |
| Premises and equipment expense | $271,000 | 6,022 |
| Additional noninterest expense | $2,331,000 | 2,319 |
| Pre-tax net operating income | $939,000 | 4,864 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $352,000 | 3,178 |
| Income before extraordinary items | $587,000 | 5,391 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $587,000 | 5,392 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $99,000 | 3,784 |
| Cash dividends | $400,000 | 4,028 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $587,000 | 5,371 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $668,000 | 8,299 |
| Total interest expense | $640,000 | 7,443 |
| Net interest income | $28,000 | 8,551 |
| Provision for loan and lease losses | $104,000 | 4,062 |
| Total noninterest income | $5,118,000 | 852 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $0 | 7,525 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $5,118,000 | 543 |
| Total noninterest expense | $4,430,000 | 2,985 |
| Salaries and employee benefits | $2,416,000 | 3,015 |
| Premises and equipment expense | $206,000 | 6,008 |
| Additional noninterest expense | $1,808,000 | 2,205 |
| Pre-tax net operating income | $612,000 | 5,408 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $230,000 | 3,536 |
| Income before extraordinary items | $382,000 | 5,913 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $382,000 | 5,911 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 2,975 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $382,000 | 5,896 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $442,000 | 8,370 |
| Total interest expense | $420,000 | 7,490 |
| Net interest income | $22,000 | 8,603 |
| Provision for loan and lease losses | $87,000 | 3,577 |
| Total noninterest income | $3,221,000 | 919 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $0 | 7,560 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $3,221,000 | 589 |
| Total noninterest expense | $2,869,000 | 3,078 |
| Salaries and employee benefits | $1,578,000 | 3,110 |
| Premises and equipment expense | $137,000 | 6,041 |
| Additional noninterest expense | $1,154,000 | 2,305 |
| Pre-tax net operating income | $287,000 | 6,125 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $108,000 | 4,048 |
| Income before extraordinary items | $179,000 | 6,532 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $179,000 | 6,533 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 2,221 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $179,000 | 6,528 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $226,000 | 8,425 |
| Total interest expense | $204,000 | 7,551 |
| Net interest income | $22,000 | 8,637 |
| Provision for loan and lease losses | $42,000 | 3,392 |
| Total noninterest income | $1,614,000 | 894 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $0 | 7,573 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $1,614,000 | 581 |
| Total noninterest expense | $1,335,000 | 3,282 |
| Salaries and employee benefits | $769,000 | 3,198 |
| Premises and equipment expense | $69,000 | 6,070 |
| Additional noninterest expense | $497,000 | 2,634 |
| Pre-tax net operating income | $259,000 | 4,975 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $98,000 | 3,297 |
| Income before extraordinary items | $161,000 | 5,516 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $161,000 | 5,516 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 1,876 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $161,000 | 5,498 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $890,000 | 8,348 |
| Total interest expense | $746,000 | 7,440 |
| Net interest income | $144,000 | 8,631 |
| Provision for loan and lease losses | $47,000 | 5,681 |
| Total noninterest income | $7,053,000 | 830 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $0 | 7,634 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $7,053,000 | 528 |
| Total noninterest expense | $6,168,000 | 2,813 |
| Salaries and employee benefits | $3,340,000 | 2,844 |
| Premises and equipment expense | $283,000 | 5,883 |
| Additional noninterest expense | $2,545,000 | 2,071 |
| Pre-tax net operating income | $982,000 | 5,243 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $344,000 | 3,616 |
| Income before extraordinary items | $638,000 | 5,685 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $638,000 | 5,686 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-67,000 | 8,413 |
| Cash dividends | $400,000 | 4,043 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $638,000 | 5,671 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $661,000 | 8,421 |
| Total interest expense | $544,000 | 7,478 |
| Net interest income | $117,000 | 8,695 |
| Provision for loan and lease losses | $15,000 | 6,184 |
| Total noninterest income | $5,335,000 | 832 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $0 | 7,682 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $5,335,000 | 534 |
| Total noninterest expense | $4,730,000 | 2,756 |
| Salaries and employee benefits | $2,559,000 | 2,786 |
| Premises and equipment expense | $216,000 | 5,862 |
| Additional noninterest expense | $1,955,000 | 2,000 |
| Pre-tax net operating income | $707,000 | 5,509 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $248,000 | 3,851 |
| Income before extraordinary items | $459,000 | 5,953 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $459,000 | 5,954 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-93,000 | 8,513 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $459,000 | 5,949 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $435,000 | 8,481 |
| Total interest expense | $343,000 | 7,526 |
| Net interest income | $92,000 | 8,724 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $3,395,000 | 855 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $0 | 7,707 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $3,395,000 | 550 |
| Total noninterest expense | $3,042,000 | 2,846 |
| Salaries and employee benefits | $1,689,000 | 2,810 |
| Premises and equipment expense | $142,000 | 5,908 |
| Additional noninterest expense | $1,211,000 | 2,147 |
| Pre-tax net operating income | $445,000 | 5,672 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $156,000 | 3,950 |
| Income before extraordinary items | $289,000 | 6,086 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $289,000 | 6,085 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-78,000 | 8,528 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $289,000 | 6,082 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $217,000 | 8,493 |
| Total interest expense | $151,000 | 7,667 |
| Net interest income | $66,000 | 8,715 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $1,618,000 | 878 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $0 | 7,698 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,618,000 | 567 |
| Total noninterest expense | $1,423,000 | 3,018 |
| Salaries and employee benefits | $828,000 | 2,880 |
| Premises and equipment expense | $73,000 | 5,861 |
| Additional noninterest expense | $522,000 | 2,454 |
| Pre-tax net operating income | $261,000 | 5,282 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $91,000 | 3,722 |
| Income before extraordinary items | $170,000 | 5,681 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $170,000 | 5,682 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-69,000 | 8,574 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $170,000 | 5,675 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $795,000 | 8,485 |
| Total interest expense | $492,000 | 7,642 |
| Net interest income | $303,000 | 8,678 |
| Provision for loan and lease losses | $-20,000 | 8,519 |
| Total noninterest income | $6,680,000 | 851 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $0 | 7,759 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $6,680,000 | 561 |
| Total noninterest expense | $5,949,000 | 2,775 |
| Salaries and employee benefits | $3,197,000 | 2,805 |
| Premises and equipment expense | $311,000 | 5,621 |
| Additional noninterest expense | $2,441,000 | 2,054 |
| Pre-tax net operating income | $1,054,000 | 5,215 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $369,000 | 3,827 |
| Income before extraordinary items | $685,000 | 5,718 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $685,000 | 5,721 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-64,000 | 8,533 |
| Cash dividends | $500,000 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $685,000 | 5,692 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $593,000 | 8,527 |
| Total interest expense | $336,000 | 7,752 |
| Net interest income | $257,000 | 8,702 |
| Provision for loan and lease losses | $-20,000 | 8,613 |
| Total noninterest income | $5,016,000 | 856 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $0 | 7,794 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $5,016,000 | 561 |
| Total noninterest expense | $4,495,000 | 2,727 |
| Salaries and employee benefits | $2,405,000 | 2,765 |
| Premises and equipment expense | $238,000 | 5,580 |
| Additional noninterest expense | $1,852,000 | 2,008 |
| Pre-tax net operating income | $798,000 | 5,332 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $280,000 | 3,911 |
| Income before extraordinary items | $518,000 | 5,812 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $518,000 | 5,816 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-183,000 | 8,733 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $518,000 | 5,783 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $381,000 | 8,553 |
| Total interest expense | $199,000 | 7,836 |
| Net interest income | $182,000 | 8,697 |
| Provision for loan and lease losses | $-20,000 | 8,648 |
| Total noninterest income | $3,132,000 | 891 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $0 | 7,790 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $3,132,000 | 581 |
| Total noninterest expense | $2,961,000 | 2,728 |
| Salaries and employee benefits | $1,593,000 | 2,772 |
| Premises and equipment expense | $164,000 | 5,450 |
| Additional noninterest expense | $1,204,000 | 2,043 |
| Pre-tax net operating income | $373,000 | 6,147 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $131,000 | 4,443 |
| Income before extraordinary items | $242,000 | 6,583 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $242,000 | 6,584 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-110,000 | 8,677 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $242,000 | 6,531 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $185,000 | 8,649 |
| Total interest expense | $83,000 | 8,071 |
| Net interest income | $102,000 | 8,741 |
| Provision for loan and lease losses | $-40,000 | 8,787 |
| Total noninterest income | $1,613,000 | 857 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $0 | 7,845 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,613,000 | 552 |
| Total noninterest expense | $1,508,000 | 2,701 |
| Salaries and employee benefits | $802,000 | 2,760 |
| Premises and equipment expense | $84,000 | 5,420 |
| Additional noninterest expense | $622,000 | 1,977 |
| Pre-tax net operating income | $247,000 | 5,475 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $87,000 | 3,995 |
| Income before extraordinary items | $160,000 | 5,964 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $160,000 | 5,965 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-100,000 | 8,789 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $160,000 | 5,923 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $416,000 | 8,808 |
| Total interest expense | $75,000 | 8,789 |
| Net interest income | $341,000 | 8,787 |
| Provision for loan and lease losses | $298,000 | 2,965 |
| Total noninterest income | $7,620,000 | 747 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $0 | 7,912 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $7,620,000 | 496 |
| Total noninterest expense | $7,569,000 | 2,106 |
| Salaries and employee benefits | $3,260,000 | 2,637 |
| Premises and equipment expense | $324,000 | 5,456 |
| Additional noninterest expense | $3,985,000 | 1,245 |
| Pre-tax net operating income | $94,000 | 8,133 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $34,000 | 6,272 |
| Income before extraordinary items | $60,000 | 8,248 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $60,000 | 8,248 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 8,241 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $60,000 | 8,203 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $245,000 | 8,900 |
| Total interest expense | $5,000 | 8,973 |
| Net interest income | $240,000 | 8,856 |
| Provision for loan and lease losses | $298,000 | 2,296 |
| Total noninterest income | $6,050,000 | 722 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $0 | 7,933 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $6,050,000 | 479 |
| Total noninterest expense | $6,074,000 | 1,976 |
| Salaries and employee benefits | $2,430,000 | 2,630 |
| Premises and equipment expense | $242,000 | 5,452 |
| Additional noninterest expense | $3,402,000 | 1,076 |
| Pre-tax net operating income | $-82,000 | 8,587 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $-28,000 | 8,784 |
| Income before extraordinary items | $-54,000 | 8,582 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-54,000 | 8,585 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 3,115 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-54,000 | 8,554 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $168,000 | 8,955 |
| Total interest expense | $3,000 | 9,030 |
| Net interest income | $165,000 | 8,907 |
| Provision for loan and lease losses | $81,000 | 3,895 |
| Total noninterest income | $3,904,000 | 745 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $0 | 7,979 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $3,904,000 | 495 |
| Total noninterest expense | $3,850,000 | 2,065 |
| Salaries and employee benefits | $1,607,000 | 2,660 |
| Premises and equipment expense | $139,000 | 5,891 |
| Additional noninterest expense | $2,104,000 | 1,162 |
| Pre-tax net operating income | $138,000 | 7,641 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $49,000 | 5,655 |
| Income before extraordinary items | $89,000 | 7,890 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $89,000 | 7,891 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 2,778 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $89,000 | 7,828 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $82,000 | 9,014 |
| Total interest expense | $2,000 | 9,054 |
| Net interest income | $80,000 | 8,964 |
| Provision for loan and lease losses | $49,000 | 3,372 |
| Total noninterest income | $1,915,000 | 739 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $0 | 7,976 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $1,915,000 | 495 |
| Total noninterest expense | $1,878,000 | 2,135 |
| Salaries and employee benefits | $806,000 | 2,662 |
| Premises and equipment expense | $65,000 | 6,100 |
| Additional noninterest expense | $1,007,000 | 1,199 |
| Pre-tax net operating income | $68,000 | 7,636 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $24,000 | 5,624 |
| Income before extraordinary items | $44,000 | 7,894 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $44,000 | 7,894 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 2,516 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $44,000 | 7,832 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $349,000 | 9,024 |
| Total interest expense | $8,000 | 9,109 |
| Net interest income | $341,000 | 8,965 |
| Provision for loan and lease losses | $130,000 | 4,806 |
| Total noninterest income | $5,749,000 | 1,015 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $0 | 8,063 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $5,749,000 | 688 |
| Total noninterest expense | $5,683,000 | 2,734 |
| Salaries and employee benefits | $3,288,000 | 2,544 |
| Premises and equipment expense | $230,000 | 6,432 |
| Additional noninterest expense | $2,165,000 | 2,226 |
| Pre-tax net operating income | $277,000 | 7,522 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $98,000 | 5,741 |
| Income before extraordinary items | $179,000 | 7,867 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $179,000 | 7,868 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $130,000 | 3,613 |
| Cash dividends | $150,000 | 5,213 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $179,000 | 7,734 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $261,000 | 9,105 |
| Total interest expense | $6,000 | 9,177 |
| Net interest income | $255,000 | 9,042 |
| Provision for loan and lease losses | $96,000 | 4,730 |
| Total noninterest income | $4,317,000 | 1,048 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $0 | 8,111 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $4,317,000 | 708 |
| Total noninterest expense | $4,268,000 | 2,733 |
| Salaries and employee benefits | $2,501,000 | 2,519 |
| Premises and equipment expense | $167,000 | 6,504 |
| Additional noninterest expense | $1,600,000 | 2,244 |
| Pre-tax net operating income | $208,000 | 7,684 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $73,000 | 5,891 |
| Income before extraordinary items | $135,000 | 8,006 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $135,000 | 8,009 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 3,299 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $135,000 | 7,866 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $173,000 | 9,154 |
| Total interest expense | $4,000 | 9,218 |
| Net interest income | $169,000 | 9,088 |
| Provision for loan and lease losses | $66,000 | 4,590 |
| Total noninterest income | $2,824,000 | 1,047 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $0 | 8,133 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $2,824,000 | 706 |
| Total noninterest expense | $2,790,000 | 2,775 |
| Salaries and employee benefits | $1,654,000 | 2,539 |
| Premises and equipment expense | $110,000 | 6,521 |
| Additional noninterest expense | $1,026,000 | 2,310 |
| Pre-tax net operating income | $137,000 | 7,705 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $48,000 | 5,948 |
| Income before extraordinary items | $89,000 | 8,065 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $89,000 | 8,067 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 3,057 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $89,000 | 7,901 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $85,000 | 9,197 |
| Total interest expense | $3,000 | 9,250 |
| Net interest income | $82,000 | 9,138 |
| Provision for loan and lease losses | $35,000 | 4,303 |
| Total noninterest income | $1,380,000 | 1,042 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $0 | 8,142 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,380,000 | 705 |
| Total noninterest expense | $1,358,000 | 2,827 |
| Salaries and employee benefits | $823,000 | 2,549 |
| Premises and equipment expense | $55,000 | 6,522 |
| Additional noninterest expense | $480,000 | 2,418 |
| Pre-tax net operating income | $69,000 | 7,685 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $24,000 | 5,925 |
| Income before extraordinary items | $45,000 | 7,996 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $45,000 | 7,995 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 2,563 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $45,000 | 7,844 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $382,000 | 9,211 |
| Total interest expense | $13,000 | 9,295 |
| Net interest income | $369,000 | 9,122 |
| Provision for loan and lease losses | $92,000 | 5,858 |
| Total noninterest income | $4,955,000 | 1,065 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $0 | 8,205 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $4,955,000 | 695 |
| Total noninterest expense | $4,955,000 | 2,948 |
| Salaries and employee benefits | $3,083,000 | 2,559 |
| Premises and equipment expense | $246,000 | 6,193 |
| Additional noninterest expense | $1,626,000 | 2,766 |
| Pre-tax net operating income | $277,000 | 7,638 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $96,000 | 6,006 |
| Income before extraordinary items | $181,000 | 7,940 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $181,000 | 7,942 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $92,000 | 4,322 |
| Cash dividends | $100,000 | 5,540 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $181,000 | 7,825 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $381,000 | 9,475 |
| Total interest expense | $34,000 | 9,512 |
| Net interest income | $347,000 | 9,370 |
| Provision for loan and lease losses | $128,000 | 5,093 |
| Total noninterest income | $5,004,000 | 995 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $0 | 8,399 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $5,004,000 | 665 |
| Total noninterest expense | $4,946,000 | 2,849 |
| Salaries and employee benefits | $2,948,000 | 2,550 |
| Premises and equipment expense | $262,000 | 5,939 |
| Additional noninterest expense | $1,736,000 | 2,551 |
| Pre-tax net operating income | $277,000 | 7,522 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $98,000 | 6,027 |
| Income before extraordinary items | $179,000 | 7,870 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $179,000 | 7,872 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $128,000 | 3,638 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $179,000 | 7,755 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $383,000 | 9,758 |
| Total interest expense | $46,000 | 9,785 |
| Net interest income | $337,000 | 9,656 |
| Provision for loan and lease losses | $85,000 | 5,634 |
| Total noninterest income | $4,610,000 | 980 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 8,617 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,610,000 | 665 |
| Total noninterest expense | $4,586,000 | 2,944 |
| Salaries and employee benefits | $2,649,000 | 2,687 |
| Premises and equipment expense | $290,000 | 5,532 |
| Additional noninterest expense | $1,647,000 | 2,580 |
| Pre-tax net operating income | $276,000 | 7,998 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $96,000 | 6,557 |
| Income before extraordinary items | $180,000 | 8,197 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $180,000 | 8,196 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 4,034 |
| Cash dividends | $200,000 | 5,103 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $180,000 | 8,203 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $370,000 | 10,034 |
| Total interest expense | $56,000 | 10,097 |
| Net interest income | $314,000 | 9,940 |
| Provision for loan and lease losses | $110,000 | 5,020 |
| Total noninterest income | $3,821,000 | 1,129 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 8,885 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,821,000 | 767 |
| Total noninterest expense | $3,749,000 | 3,512 |
| Salaries and employee benefits | $2,080,000 | 3,314 |
| Premises and equipment expense | $292,000 | 5,553 |
| Additional noninterest expense | $1,377,000 | 3,078 |
| Pre-tax net operating income | $276,000 | 8,226 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $95,000 | 6,999 |
| Income before extraordinary items | $181,000 | 8,429 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $181,000 | 8,428 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $95,000 | 3,671 |
| Cash dividends | $100,000 | 6,057 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $181,000 | 8,396 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $381,000 | 10,282 |
| Total interest expense | $29,000 | 10,368 |
| Net interest income | $352,000 | 10,142 |
| Provision for loan and lease losses | $126,000 | 4,520 |
| Total noninterest income | $3,463,000 | 1,198 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,085 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,463,000 | 832 |
| Total noninterest expense | $3,413,000 | 3,689 |
| Salaries and employee benefits | $1,846,000 | 3,593 |
| Premises and equipment expense | $237,000 | 6,158 |
| Additional noninterest expense | $1,330,000 | 3,070 |
| Pre-tax net operating income | $276,000 | 8,535 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $96,000 | 7,595 |
| Income before extraordinary items | $180,000 | 8,761 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $180,000 | 8,760 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $115,000 | 3,386 |
| Cash dividends | $100,000 | 6,234 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $180,000 | 8,693 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,179,000 | 7,542 |
| Total interest expense | $10,000 | 10,870 |
| Net interest income | $3,169,000 | 5,090 |
| Provision for loan and lease losses | $110,000 | 4,963 |
| Total noninterest income | $1,505,000 | 2,193 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,486 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,505,000 | 1,318 |
| Total noninterest expense | $4,288,000 | 2,973 |
| Salaries and employee benefits | $1,819,000 | 3,604 |
| Premises and equipment expense | $107,000 | 8,804 |
| Additional noninterest expense | $2,362,000 | 1,802 |
| Pre-tax net operating income | $276,000 | 9,141 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $97,000 | 8,449 |
| Income before extraordinary items | $179,000 | 9,339 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $179,000 | 9,341 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 3,830 |
| Cash dividends | $300,000 | 4,516 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $179,000 | 9,296 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,178,000 | 10,549 |
| Total interest expense | $25,000 | 11,393 |
| Net interest income | $1,153,000 | 9,149 |
| Provision for loan and lease losses | $126,000 | 4,482 |
| Total noninterest income | $2,999,000 | 1,358 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,915 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,999,000 | 875 |
| Total noninterest expense | $3,751,000 | 3,539 |
| Salaries and employee benefits | $1,862,000 | 3,564 |
| Premises and equipment expense | $100,000 | 9,292 |
| Additional noninterest expense | $1,789,000 | 2,711 |
| Pre-tax net operating income | $275,000 | 9,292 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $98,000 | 8,783 |
| Income before extraordinary items | $177,000 | 9,516 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $177,000 | 9,517 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 3,846 |
| Cash dividends | $125,000 | 6,318 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $177,000 | 9,462 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $280,000 | 11,889 |
| Total interest expense | $64,000 | 11,893 |
| Net interest income | $216,000 | 11,848 |
| Provision for loan and lease losses | $78,000 | 5,177 |
| Total noninterest income | $3,745,000 | 1,162 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 10,339 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,745,000 | 781 |
| Total noninterest expense | $3,605,000 | 3,639 |
| Salaries and employee benefits | $1,641,000 | 3,956 |
| Premises and equipment expense | $223,000 | 6,784 |
| Additional noninterest expense | $1,741,000 | 2,696 |
| Pre-tax net operating income | $278,000 | 9,917 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $95,000 | 9,268 |
| Income before extraordinary items | $183,000 | 10,132 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $183,000 | 10,135 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 4,265 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $183,000 | 10,102 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $446,000 | 12,441 |
| Total interest expense | $69,000 | 12,540 |
| Net interest income | $377,000 | 12,273 |
| Provision for loan and lease losses | $69,000 | 5,368 |
| Total noninterest income | $2,536,000 | 1,546 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 10,872 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,536,000 | 979 |
| Total noninterest expense | $2,581,000 | 5,009 |
| Salaries and employee benefits | $1,232,000 | 5,128 |
| Premises and equipment expense | $184,000 | 7,770 |
| Additional noninterest expense | $1,165,000 | 4,161 |
| Pre-tax net operating income | $263,000 | 10,391 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $94,000 | 9,503 |
| Income before extraordinary items | $169,000 | 10,619 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $169,000 | 10,623 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 4,425 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $169,000 | 10,659 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,025,000 | 10,124 |
| Total interest expense | $45,000 | 13,225 |
| Net interest income | $1,980,000 | 7,738 |
| Provision for loan and lease losses | $-558,000 | 13,184 |
| Total noninterest income | $1,640,000 | 2,274 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 11,351 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,640,000 | 1,450 |
| Total noninterest expense | $3,905,000 | 3,564 |
| Salaries and employee benefits | $1,110,000 | 5,597 |
| Premises and equipment expense | $198,000 | 7,726 |
| Additional noninterest expense | $2,597,000 | 2,148 |
| Pre-tax net operating income | $273,000 | 10,450 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $97,000 | 9,810 |
| Income before extraordinary items | $176,000 | 10,919 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $176,000 | 11,017 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $213,000 | 3,020 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $176,000 | 10,709 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,932,000 | 7,604 |
| Total interest expense | $0 | 13,899 |
| Net interest income | $3,932,000 | 4,521 |
| Provision for loan and lease losses | $1,007,000 | 1,824 |
| Total noninterest income | $854,000 | 3,784 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 11,764 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $854,000 | 2,222 |
| Total noninterest expense | $3,515,000 | 3,924 |
| Salaries and employee benefits | $1,156,000 | 5,353 |
| Premises and equipment expense | $195,000 | 7,943 |
| Additional noninterest expense | $2,164,000 | 2,625 |
| Pre-tax net operating income | $264,000 | 10,482 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $99,000 | 9,950 |
| Income before extraordinary items | $165,000 | 11,060 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $165,000 | 11,153 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $918,000 | 1,648 |
| Cash dividends | $200,000 | 4,982 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $165,000 | 10,727 |
* 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.