Home > Commercial Bank > Income and Expense
Commercial Bank, Income and Expense
| 2017-06-30 (YTD Data) | Rank | |
| Total interest income | $1,095,000 | 5,048 |
| Total interest expense | $129,000 | 4,612 |
| Net interest income | $966,000 | 5,063 |
| Provision for loan and lease losses | $0 | 3,871 |
| Total noninterest income | $96,000 | 4,949 |
| Gross Fiduciary activities income | $0 | 1,079 |
| Service charges on deposit accounts | $45,000 | 4,507 |
| Trading account gains and fees | $0 | 139 |
| Additional Noninterest Income | $51,000 | 4,857 |
| Total noninterest expense | $985,000 | 4,820 |
| Salaries and employee benefits | $451,000 | 5,028 |
| Premises and equipment expense | $165,000 | 4,071 |
| Additional noninterest expense | $369,000 | 4,566 |
| Pre-tax net operating income | $77,000 | 5,373 |
| Securities gains (losses) | $0 | 1,906 |
| Applicable income taxes | $23,000 | 3,587 |
| Income before extraordinary items | $54,000 | 5,416 |
| Extraordinary gains, net | $0 | 11 |
| Net income | $54,000 | 5,415 |
| Minority interest net income | $0 | 71 |
| Net income of bank and minority interests. | $54,000 | 5,416 |
| Net charge-offs | $0 | 3,512 |
| Cash dividends | $15,000 | 3,510 |
| Sale, conversion, retirement of capital stock, net | $0 | 659 |
| Net operating income | $54,000 | 5,413 |
| 2017-03-31 (YTD Data) | Rank | |
| Total interest income | $551,000 | 5,083 |
| Total interest expense | $63,000 | 4,663 |
| Net interest income | $488,000 | 5,080 |
| Provision for loan and lease losses | $0 | 3,537 |
| Total noninterest income | $46,000 | 5,042 |
| Gross Fiduciary activities income | $0 | 1,045 |
| Service charges on deposit accounts | $22,000 | 4,547 |
| Trading account gains and fees | $0 | 142 |
| Additional Noninterest Income | $24,000 | 4,924 |
| Total noninterest expense | $495,000 | 4,869 |
| Salaries and employee benefits | $227,000 | 5,061 |
| Premises and equipment expense | $84,000 | 4,067 |
| Additional noninterest expense | $184,000 | 4,604 |
| Pre-tax net operating income | $39,000 | 5,365 |
| Securities gains (losses) | $0 | 1,153 |
| Applicable income taxes | $12,000 | 3,531 |
| Income before extraordinary items | $27,000 | 5,430 |
| Extraordinary gains, net | $0 | 8 |
| Net income | $27,000 | 5,430 |
| Minority interest net income | $0 | 55 |
| Net income of bank and minority interests. | $27,000 | 5,430 |
| Net charge-offs | $0 | 2,943 |
| Cash dividends | $0 | 2,846 |
| Sale, conversion, retirement of capital stock, net | $0 | 632 |
| Net operating income | $27,000 | 5,427 |
| 2016-12-31 (YTD Data) | Rank | |
| Total interest income | $2,210,000 | 5,108 |
| Total interest expense | $256,000 | 4,679 |
| Net interest income | $1,954,000 | 5,135 |
| Provision for loan and lease losses | $0 | 4,332 |
| Total noninterest income | $202,000 | 5,042 |
| Gross Fiduciary activities income | $0 | 1,172 |
| Service charges on deposit accounts | $97,000 | 4,536 |
| Trading account gains and fees | $0 | 170 |
| Additional Noninterest Income | $105,000 | 4,936 |
| Total noninterest expense | $2,074,000 | 4,846 |
| Salaries and employee benefits | $931,000 | 5,094 |
| Premises and equipment expense | $338,000 | 4,095 |
| Additional noninterest expense | $805,000 | 4,539 |
| Pre-tax net operating income | $82,000 | 5,519 |
| Securities gains (losses) | $0 | 3,212 |
| Applicable income taxes | $20,000 | 3,862 |
| Income before extraordinary items | $62,000 | 5,580 |
| Extraordinary gains, net | $0 | 5 |
| Net income | $62,000 | 5,578 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $62,000 | 5,579 |
| Net charge-offs | $0 | 4,281 |
| Cash dividends | $10,000 | 4,218 |
| Sale, conversion, retirement of capital stock, net | $0 | 759 |
| Net operating income | $62,000 | 5,549 |
| 2016-09-30 (YTD Data) | Rank | |
| Total interest income | $1,666,000 | 5,153 |
| Total interest expense | $190,000 | 4,725 |
| Net interest income | $1,476,000 | 5,169 |
| Provision for loan and lease losses | $0 | 4,186 |
| Total noninterest income | $152,000 | 5,092 |
| Gross Fiduciary activities income | $0 | 1,132 |
| Service charges on deposit accounts | $73,000 | 4,574 |
| Trading account gains and fees | $0 | 169 |
| Additional Noninterest Income | $79,000 | 4,974 |
| Total noninterest expense | $1,546,000 | 4,878 |
| Salaries and employee benefits | $700,000 | 5,100 |
| Premises and equipment expense | $253,000 | 4,110 |
| Additional noninterest expense | $593,000 | 4,607 |
| Pre-tax net operating income | $82,000 | 5,555 |
| Securities gains (losses) | $0 | 3,160 |
| Applicable income taxes | $23,000 | 3,827 |
| Income before extraordinary items | $59,000 | 5,634 |
| Extraordinary gains, net | $0 | 5 |
| Net income | $59,000 | 5,633 |
| Minority interest net income | $0 | 71 |
| Net income of bank and minority interests. | $59,000 | 5,634 |
| Net charge-offs | $0 | 3,952 |
| Cash dividends | $0 | 3,792 |
| Sale, conversion, retirement of capital stock, net | $0 | 719 |
| Net operating income | $59,000 | 5,591 |
| 2016-06-30 (YTD Data) | Rank | |
| Total interest income | $1,125,000 | 5,191 |
| Total interest expense | $125,000 | 4,781 |
| Net interest income | $1,000,000 | 5,197 |
| Provision for loan and lease losses | $0 | 4,017 |
| Total noninterest income | $94,000 | 5,195 |
| Gross Fiduciary activities income | $0 | 1,122 |
| Service charges on deposit accounts | $46,000 | 4,650 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $48,000 | 5,082 |
| Total noninterest expense | $1,041,000 | 4,922 |
| Salaries and employee benefits | $479,000 | 5,136 |
| Premises and equipment expense | $167,000 | 4,156 |
| Additional noninterest expense | $395,000 | 4,641 |
| Pre-tax net operating income | $53,000 | 5,627 |
| Securities gains (losses) | $0 | 2,835 |
| Applicable income taxes | $15,000 | 3,858 |
| Income before extraordinary items | $38,000 | 5,690 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $38,000 | 5,688 |
| Minority interest net income | $0 | 71 |
| Net income of bank and minority interests. | $38,000 | 5,689 |
| Net charge-offs | $0 | 3,689 |
| Cash dividends | $0 | 3,654 |
| Sale, conversion, retirement of capital stock, net | $0 | 705 |
| Net operating income | $38,000 | 5,654 |
| 2016-03-31 (YTD Data) | Rank | |
| Total interest income | $571,000 | 5,206 |
| Total interest expense | $63,000 | 4,808 |
| Net interest income | $508,000 | 5,222 |
| Provision for loan and lease losses | $0 | 3,656 |
| Total noninterest income | $41,000 | 5,306 |
| Gross Fiduciary activities income | $0 | 1,076 |
| Service charges on deposit accounts | $23,000 | 4,665 |
| Trading account gains and fees | $0 | 142 |
| Additional Noninterest Income | $18,000 | 5,282 |
| Total noninterest expense | $533,000 | 4,919 |
| Salaries and employee benefits | $247,000 | 5,136 |
| Premises and equipment expense | $86,000 | 4,157 |
| Additional noninterest expense | $200,000 | 4,661 |
| Pre-tax net operating income | $16,000 | 5,700 |
| Securities gains (losses) | $0 | 2,077 |
| Applicable income taxes | $3,000 | 4,042 |
| Income before extraordinary items | $13,000 | 5,740 |
| Extraordinary gains, net | $0 | 12 |
| Net income | $13,000 | 5,739 |
| Minority interest net income | $0 | 62 |
| Net income of bank and minority interests. | $13,000 | 5,739 |
| Net charge-offs | $0 | 3,094 |
| Cash dividends | $0 | 2,895 |
| Sale, conversion, retirement of capital stock, net | $0 | 659 |
| Net operating income | $13,000 | 5,705 |
| 2015-12-31 (YTD Data) | Rank | |
| Total interest income | $2,351,000 | 5,189 |
| Total interest expense | $271,000 | 4,777 |
| Net interest income | $2,080,000 | 5,202 |
| Provision for loan and lease losses | $0 | 4,380 |
| Total noninterest income | $224,000 | 5,111 |
| Gross Fiduciary activities income | $1,000 | 1,155 |
| Service charges on deposit accounts | $112,000 | 4,551 |
| Trading account gains and fees | $0 | 159 |
| Additional Noninterest Income | $111,000 | 5,019 |
| Total noninterest expense | $2,288,000 | 4,848 |
| Salaries and employee benefits | $1,106,000 | 5,007 |
| Premises and equipment expense | $362,000 | 4,095 |
| Additional noninterest expense | $820,000 | 4,649 |
| Pre-tax net operating income | $16,000 | 5,835 |
| Securities gains (losses) | $0 | 3,216 |
| Applicable income taxes | $-5,000 | 5,859 |
| Income before extraordinary items | $21,000 | 5,860 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $21,000 | 5,863 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $21,000 | 5,863 |
| Net charge-offs | $0 | 4,462 |
| Cash dividends | $10,000 | 4,268 |
| Sale, conversion, retirement of capital stock, net | $0 | 804 |
| Net operating income | $21,000 | 5,833 |
| 2015-09-30 (YTD Data) | Rank | |
| Total interest income | $1,764,000 | 5,255 |
| Total interest expense | $207,000 | 4,820 |
| Net interest income | $1,557,000 | 5,268 |
| Provision for loan and lease losses | $0 | 4,232 |
| Total noninterest income | $174,000 | 5,132 |
| Gross Fiduciary activities income | $0 | 1,169 |
| Service charges on deposit accounts | $87,000 | 4,553 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $87,000 | 5,022 |
| Total noninterest expense | $1,698,000 | 4,891 |
| Salaries and employee benefits | $846,000 | 5,013 |
| Premises and equipment expense | $273,000 | 4,142 |
| Additional noninterest expense | $579,000 | 4,809 |
| Pre-tax net operating income | $33,000 | 5,869 |
| Securities gains (losses) | $0 | 3,031 |
| Applicable income taxes | $4,000 | 4,294 |
| Income before extraordinary items | $29,000 | 5,915 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $29,000 | 5,918 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $29,000 | 5,918 |
| Net charge-offs | $0 | 4,182 |
| Cash dividends | $0 | 3,825 |
| Sale, conversion, retirement of capital stock, net | $0 | 773 |
| Net operating income | $29,000 | 5,876 |
| 2015-06-30 (YTD Data) | Rank | |
| Total interest income | $1,176,000 | 5,286 |
| Total interest expense | $136,000 | 4,895 |
| Net interest income | $1,040,000 | 5,297 |
| Provision for loan and lease losses | $0 | 4,069 |
| Total noninterest income | $108,000 | 5,224 |
| Gross Fiduciary activities income | $0 | 1,152 |
| Service charges on deposit accounts | $56,000 | 4,594 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $52,000 | 5,140 |
| Total noninterest expense | $1,136,000 | 4,942 |
| Salaries and employee benefits | $580,000 | 5,020 |
| Premises and equipment expense | $180,000 | 4,204 |
| Additional noninterest expense | $376,000 | 4,893 |
| Pre-tax net operating income | $12,000 | 5,946 |
| Securities gains (losses) | $0 | 2,636 |
| Applicable income taxes | $-1,000 | 6,094 |
| Income before extraordinary items | $13,000 | 5,979 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $13,000 | 5,980 |
| Minority interest net income | $0 | 75 |
| Net income of bank and minority interests. | $13,000 | 5,981 |
| Net charge-offs | $0 | 3,893 |
| Cash dividends | $0 | 3,664 |
| Sale, conversion, retirement of capital stock, net | $0 | 751 |
| Net operating income | $13,000 | 5,941 |
| 2015-03-31 (YTD Data) | Rank | |
| Total interest income | $590,000 | 5,317 |
| Total interest expense | $69,000 | 4,917 |
| Net interest income | $521,000 | 5,327 |
| Provision for loan and lease losses | $0 | 3,703 |
| Total noninterest income | $54,000 | 5,229 |
| Gross Fiduciary activities income | $0 | 1,118 |
| Service charges on deposit accounts | $28,000 | 4,610 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $26,000 | 5,186 |
| Total noninterest expense | $570,000 | 4,968 |
| Salaries and employee benefits | $295,000 | 5,033 |
| Premises and equipment expense | $88,000 | 4,286 |
| Additional noninterest expense | $187,000 | 4,930 |
| Pre-tax net operating income | $5,000 | 5,967 |
| Securities gains (losses) | $0 | 2,027 |
| Applicable income taxes | $-1,000 | 6,179 |
| Income before extraordinary items | $6,000 | 6,000 |
| Extraordinary gains, net | $0 | 13 |
| Net income | $6,000 | 6,001 |
| Minority interest net income | $0 | 64 |
| Net income of bank and minority interests. | $6,000 | 6,001 |
| Net charge-offs | $0 | 3,288 |
| Cash dividends | $0 | 2,892 |
| Sale, conversion, retirement of capital stock, net | $0 | 697 |
| Net operating income | $6,000 | 5,958 |
| 2014-12-31 (YTD Data) | Rank | |
| Total interest income | $2,455,000 | 5,338 |
| Total interest expense | $306,000 | 4,913 |
| Net interest income | $2,149,000 | 5,338 |
| Provision for loan and lease losses | $0 | 4,603 |
| Total noninterest income | $245,000 | 5,229 |
| Gross Fiduciary activities income | $0 | 1,256 |
| Service charges on deposit accounts | $116,000 | 4,771 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $129,000 | 5,014 |
| Total noninterest expense | $2,365,000 | 4,989 |
| Salaries and employee benefits | $1,146,000 | 5,138 |
| Premises and equipment expense | $376,000 | 4,225 |
| Additional noninterest expense | $843,000 | 4,798 |
| Pre-tax net operating income | $29,000 | 6,021 |
| Securities gains (losses) | $0 | 3,259 |
| Applicable income taxes | $-2,000 | 6,087 |
| Income before extraordinary items | $31,000 | 6,050 |
| Extraordinary gains, net | $0 | 17 |
| Net income | $31,000 | 6,050 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $31,000 | 6,051 |
| Net charge-offs | $0 | 4,970 |
| Cash dividends | $0 | 4,358 |
| Sale, conversion, retirement of capital stock, net | $-10,000 | 6,403 |
| Net operating income | $31,000 | 6,026 |
| 2014-09-30 (YTD Data) | Rank | |
| Total interest income | $1,848,000 | 5,401 |
| Total interest expense | $231,000 | 4,982 |
| Net interest income | $1,617,000 | 5,400 |
| Provision for loan and lease losses | $0 | 4,401 |
| Total noninterest income | $187,000 | 5,266 |
| Gross Fiduciary activities income | $0 | 1,202 |
| Service charges on deposit accounts | $87,000 | 4,846 |
| Trading account gains and fees | $0 | 174 |
| Additional Noninterest Income | $100,000 | 5,039 |
| Total noninterest expense | $1,755,000 | 5,032 |
| Salaries and employee benefits | $861,000 | 5,163 |
| Premises and equipment expense | $277,000 | 4,311 |
| Additional noninterest expense | $617,000 | 4,890 |
| Pre-tax net operating income | $49,000 | 6,026 |
| Securities gains (losses) | $0 | 2,980 |
| Applicable income taxes | $9,000 | 4,218 |
| Income before extraordinary items | $40,000 | 6,064 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $40,000 | 6,063 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $40,000 | 6,064 |
| Net charge-offs | $0 | 4,696 |
| Cash dividends | $0 | 3,845 |
| Sale, conversion, retirement of capital stock, net | $0 | 819 |
| Net operating income | $40,000 | 6,044 |
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $1,242,000 | 5,425 |
| Total interest expense | $155,000 | 5,024 |
| Net interest income | $1,087,000 | 5,418 |
| Provision for loan and lease losses | $0 | 4,196 |
| Total noninterest income | $123,000 | 5,279 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $57,000 | 4,864 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $66,000 | 5,055 |
| Total noninterest expense | $1,151,000 | 5,106 |
| Salaries and employee benefits | $577,000 | 5,202 |
| Premises and equipment expense | $177,000 | 4,437 |
| Additional noninterest expense | $397,000 | 4,981 |
| Pre-tax net operating income | $59,000 | 5,945 |
| Securities gains (losses) | $0 | 2,580 |
| Applicable income taxes | $18,000 | 3,902 |
| Income before extraordinary items | $41,000 | 6,047 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $41,000 | 6,048 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $41,000 | 6,049 |
| Net charge-offs | $0 | 4,375 |
| Cash dividends | $0 | 3,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 794 |
| Net operating income | $41,000 | 6,013 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $628,000 | 5,461 |
| Total interest expense | $78,000 | 5,075 |
| Net interest income | $550,000 | 5,446 |
| Provision for loan and lease losses | $0 | 3,817 |
| Total noninterest income | $71,000 | 5,091 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $29,000 | 4,846 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $42,000 | 4,773 |
| Total noninterest expense | $594,000 | 5,112 |
| Salaries and employee benefits | $303,000 | 5,196 |
| Premises and equipment expense | $88,000 | 4,508 |
| Additional noninterest expense | $203,000 | 4,964 |
| Pre-tax net operating income | $27,000 | 5,975 |
| Securities gains (losses) | $0 | 1,715 |
| Applicable income taxes | $7,000 | 3,941 |
| Income before extraordinary items | $20,000 | 6,051 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $20,000 | 6,052 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $20,000 | 6,052 |
| Net charge-offs | $0 | 3,660 |
| Cash dividends | $0 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $0 | 747 |
| Net operating income | $20,000 | 6,029 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $2,430,000 | 5,578 |
| Total interest expense | $340,000 | 5,182 |
| Net interest income | $2,090,000 | 5,582 |
| Provision for loan and lease losses | $0 | 5,091 |
| Total noninterest income | $334,000 | 4,995 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $126,000 | 4,868 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $208,000 | 4,557 |
| Total noninterest expense | $2,399,000 | 5,133 |
| Salaries and employee benefits | $1,238,000 | 5,196 |
| Premises and equipment expense | $371,000 | 4,392 |
| Additional noninterest expense | $790,000 | 5,106 |
| Pre-tax net operating income | $25,000 | 6,135 |
| Securities gains (losses) | $0 | 3,182 |
| Applicable income taxes | $-6,000 | 6,271 |
| Income before extraordinary items | $31,000 | 6,175 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $31,000 | 6,176 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $31,000 | 6,177 |
| Net charge-offs | $0 | 5,475 |
| Cash dividends | $10,000 | 4,314 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $31,000 | 6,135 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $1,828,000 | 5,642 |
| Total interest expense | $257,000 | 5,272 |
| Net interest income | $1,571,000 | 5,644 |
| Provision for loan and lease losses | $0 | 4,941 |
| Total noninterest income | $264,000 | 4,999 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $95,000 | 4,909 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $169,000 | 4,538 |
| Total noninterest expense | $1,790,000 | 5,164 |
| Salaries and employee benefits | $941,000 | 5,191 |
| Premises and equipment expense | $268,000 | 4,511 |
| Additional noninterest expense | $581,000 | 5,146 |
| Pre-tax net operating income | $45,000 | 6,161 |
| Securities gains (losses) | $0 | 3,040 |
| Applicable income taxes | $6,000 | 4,418 |
| Income before extraordinary items | $39,000 | 6,230 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $39,000 | 6,231 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $39,000 | 6,231 |
| Net charge-offs | $0 | 5,212 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $39,000 | 6,178 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $1,232,000 | 5,652 |
| Total interest expense | $171,000 | 5,340 |
| Net interest income | $1,061,000 | 5,623 |
| Provision for loan and lease losses | $0 | 4,788 |
| Total noninterest income | $190,000 | 4,919 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $63,000 | 4,904 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $127,000 | 4,440 |
| Total noninterest expense | $1,181,000 | 5,196 |
| Salaries and employee benefits | $630,000 | 5,211 |
| Premises and equipment expense | $181,000 | 4,503 |
| Additional noninterest expense | $370,000 | 5,257 |
| Pre-tax net operating income | $70,000 | 5,976 |
| Securities gains (losses) | $0 | 2,791 |
| Applicable income taxes | $19,000 | 3,973 |
| Income before extraordinary items | $51,000 | 6,136 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $51,000 | 6,137 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $51,000 | 6,138 |
| Net charge-offs | $0 | 4,909 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $51,000 | 6,052 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $618,000 | 5,682 |
| Total interest expense | $85,000 | 5,426 |
| Net interest income | $533,000 | 5,657 |
| Provision for loan and lease losses | $0 | 4,409 |
| Total noninterest income | $103,000 | 4,804 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $32,000 | 4,852 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $71,000 | 4,261 |
| Total noninterest expense | $578,000 | 5,282 |
| Salaries and employee benefits | $319,000 | 5,234 |
| Premises and equipment expense | $82,000 | 4,729 |
| Additional noninterest expense | $177,000 | 5,392 |
| Pre-tax net operating income | $58,000 | 5,757 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $18,000 | 3,669 |
| Income before extraordinary items | $40,000 | 5,975 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $40,000 | 5,977 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $40,000 | 5,977 |
| Net charge-offs | $0 | 4,145 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $40,000 | 5,888 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $2,538,000 | 5,778 |
| Total interest expense | $415,000 | 5,470 |
| Net interest income | $2,123,000 | 5,773 |
| Provision for loan and lease losses | $0 | 5,905 |
| Total noninterest income | $410,000 | 4,782 |
| Gross Fiduciary activities income | $3,000 | 1,224 |
| Service charges on deposit accounts | $151,000 | 4,766 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $256,000 | 4,277 |
| Total noninterest expense | $2,420,000 | 5,248 |
| Salaries and employee benefits | $1,278,000 | 5,247 |
| Premises and equipment expense | $341,000 | 4,679 |
| Additional noninterest expense | $801,000 | 5,263 |
| Pre-tax net operating income | $113,000 | 5,889 |
| Securities gains (losses) | $0 | 3,810 |
| Applicable income taxes | $-24,000 | 6,586 |
| Income before extraordinary items | $137,000 | 5,960 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $137,000 | 5,956 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $137,000 | 5,959 |
| Net charge-offs | $0 | 5,985 |
| Cash dividends | $10,000 | 4,333 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $137,000 | 5,803 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $1,931,000 | 5,852 |
| Total interest expense | $319,000 | 5,553 |
| Net interest income | $1,612,000 | 5,843 |
| Provision for loan and lease losses | $0 | 5,790 |
| Total noninterest income | $300,000 | 4,873 |
| Gross Fiduciary activities income | $3,000 | 1,175 |
| Service charges on deposit accounts | $111,000 | 4,881 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $186,000 | 4,351 |
| Total noninterest expense | $1,755,000 | 5,360 |
| Salaries and employee benefits | $966,000 | 5,256 |
| Premises and equipment expense | $243,000 | 4,857 |
| Additional noninterest expense | $546,000 | 5,520 |
| Pre-tax net operating income | $157,000 | 5,832 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $44,000 | 3,848 |
| Income before extraordinary items | $113,000 | 6,062 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $113,000 | 6,061 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $113,000 | 6,061 |
| Net charge-offs | $0 | 5,771 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $113,000 | 5,924 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $1,315,000 | 5,856 |
| Total interest expense | $219,000 | 5,590 |
| Net interest income | $1,096,000 | 5,840 |
| Provision for loan and lease losses | $0 | 5,619 |
| Total noninterest income | $194,000 | 4,916 |
| Gross Fiduciary activities income | $1,000 | 1,200 |
| Service charges on deposit accounts | $70,000 | 4,975 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $123,000 | 4,360 |
| Total noninterest expense | $1,173,000 | 5,392 |
| Salaries and employee benefits | $647,000 | 5,274 |
| Premises and equipment expense | $160,000 | 4,900 |
| Additional noninterest expense | $366,000 | 5,537 |
| Pre-tax net operating income | $117,000 | 5,780 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $34,000 | 3,757 |
| Income before extraordinary items | $83,000 | 6,043 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $83,000 | 6,043 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $83,000 | 6,043 |
| Net charge-offs | $0 | 5,507 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $83,000 | 5,889 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $676,000 | 5,848 |
| Total interest expense | $117,000 | 5,581 |
| Net interest income | $559,000 | 5,832 |
| Provision for loan and lease losses | $0 | 5,254 |
| Total noninterest income | $93,000 | 5,052 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $34,000 | 5,018 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $59,000 | 4,465 |
| Total noninterest expense | $592,000 | 5,405 |
| Salaries and employee benefits | $326,000 | 5,305 |
| Premises and equipment expense | $78,000 | 4,993 |
| Additional noninterest expense | $188,000 | 5,489 |
| Pre-tax net operating income | $60,000 | 5,821 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $17,000 | 3,745 |
| Income before extraordinary items | $43,000 | 6,060 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $43,000 | 6,060 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $43,000 | 6,060 |
| Net charge-offs | $0 | 4,730 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $43,000 | 5,920 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $2,696,000 | 5,946 |
| Total interest expense | $571,000 | 5,610 |
| Net interest income | $2,125,000 | 5,965 |
| Provision for loan and lease losses | $0 | 6,496 |
| Total noninterest income | $363,000 | 4,928 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $155,000 | 4,835 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $208,000 | 4,420 |
| Total noninterest expense | $2,361,000 | 5,465 |
| Salaries and employee benefits | $1,229,000 | 5,464 |
| Premises and equipment expense | $324,000 | 5,067 |
| Additional noninterest expense | $808,000 | 5,397 |
| Pre-tax net operating income | $127,000 | 5,678 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $17,000 | 4,171 |
| Income before extraordinary items | $110,000 | 5,836 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $110,000 | 5,838 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $110,000 | 5,838 |
| Net charge-offs | $0 | 6,441 |
| Cash dividends | $5,000 | 4,190 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $110,000 | 5,722 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $2,028,000 | 6,003 |
| Total interest expense | $439,000 | 5,674 |
| Net interest income | $1,589,000 | 6,016 |
| Provision for loan and lease losses | $0 | 6,393 |
| Total noninterest income | $247,000 | 5,137 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $118,000 | 4,831 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $129,000 | 4,758 |
| Total noninterest expense | $1,764,000 | 5,499 |
| Salaries and employee benefits | $930,000 | 5,460 |
| Premises and equipment expense | $234,000 | 5,191 |
| Additional noninterest expense | $600,000 | 5,437 |
| Pre-tax net operating income | $72,000 | 5,919 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $5,000 | 4,418 |
| Income before extraordinary items | $67,000 | 6,016 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $67,000 | 6,017 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $67,000 | 6,017 |
| Net charge-offs | $0 | 6,185 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $67,000 | 5,913 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $1,360,000 | 6,052 |
| Total interest expense | $299,000 | 5,743 |
| Net interest income | $1,061,000 | 6,050 |
| Provision for loan and lease losses | $0 | 6,217 |
| Total noninterest income | $159,000 | 5,215 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $77,000 | 4,852 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $82,000 | 4,854 |
| Total noninterest expense | $1,172,000 | 5,565 |
| Salaries and employee benefits | $606,000 | 5,553 |
| Premises and equipment expense | $161,000 | 5,160 |
| Additional noninterest expense | $405,000 | 5,503 |
| Pre-tax net operating income | $48,000 | 5,959 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $6,000 | 4,255 |
| Income before extraordinary items | $42,000 | 6,056 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $42,000 | 6,055 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $42,000 | 6,056 |
| Net charge-offs | $0 | 5,875 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $42,000 | 5,974 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $676,000 | 6,098 |
| Total interest expense | $155,000 | 5,780 |
| Net interest income | $521,000 | 6,101 |
| Provision for loan and lease losses | $0 | 5,840 |
| Total noninterest income | $75,000 | 5,379 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $38,000 | 4,845 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $37,000 | 5,099 |
| Total noninterest expense | $583,000 | 5,622 |
| Salaries and employee benefits | $303,000 | 5,590 |
| Premises and equipment expense | $76,000 | 5,334 |
| Additional noninterest expense | $204,000 | 5,485 |
| Pre-tax net operating income | $13,000 | 6,177 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $-3,000 | 6,930 |
| Income before extraordinary items | $16,000 | 6,170 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $16,000 | 6,169 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $16,000 | 6,170 |
| Net charge-offs | $0 | 5,107 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $16,000 | 6,132 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $2,984,000 | 6,043 |
| Total interest expense | $751,000 | 5,841 |
| Net interest income | $2,233,000 | 6,021 |
| Provision for loan and lease losses | $0 | 7,042 |
| Total noninterest income | $382,000 | 5,036 |
| Gross Fiduciary activities income | $5,000 | 1,223 |
| Service charges on deposit accounts | $156,000 | 4,840 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $221,000 | 4,444 |
| Total noninterest expense | $2,376,000 | 5,621 |
| Salaries and employee benefits | $1,245,000 | 5,584 |
| Premises and equipment expense | $319,000 | 5,268 |
| Additional noninterest expense | $812,000 | 5,598 |
| Pre-tax net operating income | $239,000 | 5,086 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $62,000 | 3,524 |
| Income before extraordinary items | $177,000 | 5,362 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $177,000 | 5,362 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $177,000 | 5,364 |
| Net charge-offs | $0 | 6,851 |
| Cash dividends | $1,000 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $177,000 | 5,225 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $2,260,000 | 6,130 |
| Total interest expense | $581,000 | 5,922 |
| Net interest income | $1,679,000 | 6,112 |
| Provision for loan and lease losses | $0 | 6,977 |
| Total noninterest income | $260,000 | 5,269 |
| Gross Fiduciary activities income | $3,000 | 1,206 |
| Service charges on deposit accounts | $119,000 | 4,892 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $138,000 | 4,776 |
| Total noninterest expense | $1,752,000 | 5,712 |
| Salaries and employee benefits | $936,000 | 5,609 |
| Premises and equipment expense | $237,000 | 5,370 |
| Additional noninterest expense | $579,000 | 5,728 |
| Pre-tax net operating income | $187,000 | 5,313 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $56,000 | 3,504 |
| Income before extraordinary items | $131,000 | 5,600 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $131,000 | 5,601 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $131,000 | 5,601 |
| Net charge-offs | $0 | 6,672 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $131,000 | 5,435 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $1,508,000 | 6,175 |
| Total interest expense | $397,000 | 5,983 |
| Net interest income | $1,111,000 | 6,155 |
| Provision for loan and lease losses | $0 | 6,857 |
| Total noninterest income | $167,000 | 5,318 |
| Gross Fiduciary activities income | $1,000 | 1,231 |
| Service charges on deposit accounts | $80,000 | 4,881 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $86,000 | 4,868 |
| Total noninterest expense | $1,177,000 | 5,717 |
| Salaries and employee benefits | $635,000 | 5,590 |
| Premises and equipment expense | $157,000 | 5,413 |
| Additional noninterest expense | $385,000 | 5,743 |
| Pre-tax net operating income | $101,000 | 5,507 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $28,000 | 3,609 |
| Income before extraordinary items | $73,000 | 5,727 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $73,000 | 5,729 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $73,000 | 5,728 |
| Net charge-offs | $0 | 6,372 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $73,000 | 5,610 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $738,000 | 6,304 |
| Total interest expense | $205,000 | 6,022 |
| Net interest income | $533,000 | 6,286 |
| Provision for loan and lease losses | $0 | 6,552 |
| Total noninterest income | $85,000 | 5,317 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $40,000 | 4,876 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $45,000 | 4,859 |
| Total noninterest expense | $596,000 | 5,751 |
| Salaries and employee benefits | $327,000 | 5,572 |
| Premises and equipment expense | $83,000 | 5,367 |
| Additional noninterest expense | $186,000 | 5,861 |
| Pre-tax net operating income | $22,000 | 6,013 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $3,000 | 4,254 |
| Income before extraordinary items | $19,000 | 6,142 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $19,000 | 6,144 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $19,000 | 6,143 |
| Net charge-offs | $0 | 5,610 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $19,000 | 6,040 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $3,447,000 | 6,052 |
| Total interest expense | $1,033,000 | 5,959 |
| Net interest income | $2,414,000 | 5,918 |
| Provision for loan and lease losses | $0 | 7,427 |
| Total noninterest income | $370,000 | 5,259 |
| Gross Fiduciary activities income | $5,000 | 1,248 |
| Service charges on deposit accounts | $177,000 | 4,856 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $188,000 | 4,730 |
| Total noninterest expense | $2,496,000 | 5,691 |
| Salaries and employee benefits | $1,283,000 | 5,644 |
| Premises and equipment expense | $344,000 | 5,352 |
| Additional noninterest expense | $869,000 | 5,610 |
| Pre-tax net operating income | $288,000 | 4,536 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $90,000 | 2,931 |
| Income before extraordinary items | $198,000 | 4,813 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $198,000 | 4,815 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $198,000 | 4,815 |
| Net charge-offs | $1,000 | 7,192 |
| Cash dividends | $1,000 | 4,666 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $198,000 | 4,748 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $2,646,000 | 6,062 |
| Total interest expense | $806,000 | 6,010 |
| Net interest income | $1,840,000 | 5,902 |
| Provision for loan and lease losses | $0 | 7,284 |
| Total noninterest income | $283,000 | 5,295 |
| Gross Fiduciary activities income | $3,000 | 1,227 |
| Service charges on deposit accounts | $130,000 | 4,932 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $150,000 | 4,762 |
| Total noninterest expense | $1,869,000 | 5,705 |
| Salaries and employee benefits | $967,000 | 5,672 |
| Premises and equipment expense | $251,000 | 5,461 |
| Additional noninterest expense | $651,000 | 5,614 |
| Pre-tax net operating income | $254,000 | 4,702 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $82,000 | 3,019 |
| Income before extraordinary items | $172,000 | 4,982 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $172,000 | 4,981 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $172,000 | 4,982 |
| Net charge-offs | $1,000 | 6,910 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $172,000 | 4,927 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $1,790,000 | 6,096 |
| Total interest expense | $561,000 | 6,049 |
| Net interest income | $1,229,000 | 5,914 |
| Provision for loan and lease losses | $0 | 7,158 |
| Total noninterest income | $189,000 | 5,323 |
| 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 | $105,000 | 4,716 |
| Total noninterest expense | $1,213,000 | 5,826 |
| Salaries and employee benefits | $644,000 | 5,742 |
| Premises and equipment expense | $164,000 | 5,555 |
| Additional noninterest expense | $405,000 | 5,795 |
| Pre-tax net operating income | $205,000 | 4,618 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $70,000 | 2,912 |
| Income before extraordinary items | $135,000 | 4,967 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $135,000 | 4,965 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $135,000 | 4,965 |
| Net charge-offs | $0 | 6,628 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $135,000 | 4,880 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $905,000 | 6,109 |
| Total interest expense | $297,000 | 6,036 |
| Net interest income | $608,000 | 5,956 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $71,000 | 5,797 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $40,000 | 5,014 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $31,000 | 5,565 |
| Total noninterest expense | $610,000 | 5,762 |
| Salaries and employee benefits | $323,000 | 5,783 |
| Premises and equipment expense | $88,000 | 5,427 |
| Additional noninterest expense | $199,000 | 5,613 |
| Pre-tax net operating income | $69,000 | 5,390 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $23,000 | 3,465 |
| Income before extraordinary items | $46,000 | 5,746 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $46,000 | 5,749 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $46,000 | 5,749 |
| Net charge-offs | $0 | 5,728 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $46,000 | 5,579 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $4,006,000 | 6,009 |
| Total interest expense | $1,598,000 | 5,842 |
| Net interest income | $2,408,000 | 5,986 |
| Provision for loan and lease losses | $0 | 7,334 |
| Total noninterest income | $344,000 | 5,593 |
| Gross Fiduciary activities income | $7,000 | 1,258 |
| Service charges on deposit accounts | $192,000 | 4,877 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $145,000 | 5,369 |
| Total noninterest expense | $2,339,000 | 5,812 |
| Salaries and employee benefits | $1,275,000 | 5,800 |
| Premises and equipment expense | $383,000 | 5,205 |
| Additional noninterest expense | $681,000 | 5,894 |
| Pre-tax net operating income | $413,000 | 5,117 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $152,000 | 3,051 |
| Income before extraordinary items | $261,000 | 5,257 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $261,000 | 5,255 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,039 |
| Cash dividends | $6,000 | 5,423 |
| Sale, conversion, retirement of capital stock, net | $-47,000 | 8,220 |
| Net operating income | $261,000 | 5,417 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $3,066,000 | 6,028 |
| Total interest expense | $1,247,000 | 5,872 |
| Net interest income | $1,819,000 | 6,020 |
| Provision for loan and lease losses | $0 | 6,991 |
| Total noninterest income | $259,000 | 5,661 |
| Gross Fiduciary activities income | $5,000 | 1,239 |
| Service charges on deposit accounts | $143,000 | 4,920 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $111,000 | 5,453 |
| Total noninterest expense | $1,734,000 | 5,843 |
| Salaries and employee benefits | $983,000 | 5,742 |
| Premises and equipment expense | $269,000 | 5,391 |
| Additional noninterest expense | $482,000 | 6,004 |
| Pre-tax net operating income | $344,000 | 5,468 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $128,000 | 3,373 |
| Income before extraordinary items | $216,000 | 5,622 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $216,000 | 5,619 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,534 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $-47,000 | 8,314 |
| Net operating income | $216,000 | 5,794 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,083,000 | 6,053 |
| Total interest expense | $863,000 | 5,926 |
| Net interest income | $1,220,000 | 6,030 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $171,000 | 5,743 |
| Gross Fiduciary activities income | $2,000 | 1,285 |
| Service charges on deposit accounts | $91,000 | 5,006 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $78,000 | 5,462 |
| Total noninterest expense | $1,150,000 | 5,893 |
| Salaries and employee benefits | $653,000 | 5,805 |
| Premises and equipment expense | $184,000 | 5,362 |
| Additional noninterest expense | $313,000 | 6,080 |
| Pre-tax net operating income | $241,000 | 5,555 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $89,000 | 3,571 |
| Income before extraordinary items | $152,000 | 5,954 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $152,000 | 5,952 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,998 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $-47,000 | 8,395 |
| Net operating income | $152,000 | 5,899 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,066,000 | 6,068 |
| Total interest expense | $447,000 | 6,021 |
| Net interest income | $619,000 | 6,020 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $91,000 | 5,627 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $46,000 | 4,958 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $45,000 | 5,251 |
| Total noninterest expense | $583,000 | 5,891 |
| Salaries and employee benefits | $324,000 | 5,873 |
| Premises and equipment expense | $98,000 | 5,215 |
| Additional noninterest expense | $161,000 | 5,988 |
| Pre-tax net operating income | $127,000 | 5,692 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $47,000 | 3,621 |
| Income before extraordinary items | $80,000 | 6,121 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $80,000 | 6,123 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $-47,000 | 8,443 |
| Net operating income | $80,000 | 6,026 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $4,255,000 | 6,103 |
| Total interest expense | $1,790,000 | 6,067 |
| Net interest income | $2,465,000 | 6,013 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $380,000 | 5,600 |
| Gross Fiduciary activities income | $5,000 | 1,336 |
| Service charges on deposit accounts | $211,000 | 4,797 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $164,000 | 5,426 |
| Total noninterest expense | $2,360,000 | 5,774 |
| Salaries and employee benefits | $1,287,000 | 5,777 |
| Premises and equipment expense | $365,000 | 5,290 |
| Additional noninterest expense | $708,000 | 5,701 |
| Pre-tax net operating income | $485,000 | 6,041 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $185,000 | 3,928 |
| Income before extraordinary items | $300,000 | 6,424 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $300,000 | 6,423 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,600 |
| Cash dividends | $10,000 | 5,776 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $300,000 | 6,406 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $3,143,000 | 6,181 |
| Total interest expense | $1,322,000 | 6,136 |
| Net interest income | $1,821,000 | 6,081 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $291,000 | 5,601 |
| Gross Fiduciary activities income | $3,000 | 1,319 |
| Service charges on deposit accounts | $158,000 | 4,809 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $130,000 | 5,342 |
| Total noninterest expense | $1,762,000 | 5,756 |
| Salaries and employee benefits | $997,000 | 5,649 |
| Premises and equipment expense | $258,000 | 5,451 |
| Additional noninterest expense | $507,000 | 5,783 |
| Pre-tax net operating income | $350,000 | 6,369 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $135,000 | 4,151 |
| Income before extraordinary items | $215,000 | 6,737 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $215,000 | 6,735 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $215,000 | 6,729 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,046,000 | 6,262 |
| Total interest expense | $849,000 | 6,248 |
| Net interest income | $1,197,000 | 6,161 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $198,000 | 5,595 |
| Gross Fiduciary activities income | $1,000 | 1,345 |
| Service charges on deposit accounts | $103,000 | 4,880 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $94,000 | 5,231 |
| Total noninterest expense | $1,171,000 | 5,802 |
| Salaries and employee benefits | $667,000 | 5,707 |
| Premises and equipment expense | $174,000 | 5,447 |
| Additional noninterest expense | $330,000 | 5,850 |
| Pre-tax net operating income | $224,000 | 6,496 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $84,000 | 4,298 |
| Income before extraordinary items | $140,000 | 6,825 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $140,000 | 6,825 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $140,000 | 6,810 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,004,000 | 6,317 |
| Total interest expense | $405,000 | 6,342 |
| Net interest income | $599,000 | 6,165 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $96,000 | 5,628 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $54,000 | 4,717 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $42,000 | 5,429 |
| Total noninterest expense | $596,000 | 5,771 |
| Salaries and employee benefits | $329,000 | 5,792 |
| Premises and equipment expense | $94,000 | 5,233 |
| Additional noninterest expense | $173,000 | 5,696 |
| Pre-tax net operating income | $99,000 | 6,677 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $37,000 | 4,433 |
| Income before extraordinary items | $62,000 | 6,984 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $62,000 | 6,983 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $62,000 | 6,968 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $3,669,000 | 6,316 |
| Total interest expense | $1,342,000 | 6,346 |
| Net interest income | $2,327,000 | 6,198 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $403,000 | 5,589 |
| Gross Fiduciary activities income | $5,000 | 1,355 |
| Service charges on deposit accounts | $215,000 | 4,835 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $183,000 | 5,281 |
| Total noninterest expense | $2,311,000 | 5,729 |
| Salaries and employee benefits | $1,314,000 | 5,625 |
| Premises and equipment expense | $343,000 | 5,384 |
| Additional noninterest expense | $654,000 | 5,827 |
| Pre-tax net operating income | $419,000 | 6,727 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $160,000 | 4,528 |
| Income before extraordinary items | $259,000 | 7,066 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $259,000 | 7,066 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $8,000 | 5,906 |
| Sale, conversion, retirement of capital stock, net | $-766,000 | 8,655 |
| Net operating income | $259,000 | 7,065 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,712,000 | 6,372 |
| Total interest expense | $966,000 | 6,389 |
| Net interest income | $1,746,000 | 6,253 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $300,000 | 5,636 |
| Gross Fiduciary activities income | $3,000 | 1,330 |
| Service charges on deposit accounts | $159,000 | 4,912 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $138,000 | 5,276 |
| Total noninterest expense | $1,783,000 | 5,632 |
| Salaries and employee benefits | $1,033,000 | 5,444 |
| Premises and equipment expense | $263,000 | 5,323 |
| Additional noninterest expense | $487,000 | 5,840 |
| Pre-tax net operating income | $263,000 | 7,168 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $101,000 | 4,920 |
| Income before extraordinary items | $162,000 | 7,421 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $162,000 | 7,424 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $-578,000 | 8,721 |
| Net operating income | $162,000 | 7,422 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,783,000 | 6,407 |
| Total interest expense | $617,000 | 6,388 |
| Net interest income | $1,166,000 | 6,294 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $191,000 | 5,742 |
| Gross Fiduciary activities income | $1,000 | 1,376 |
| Service charges on deposit accounts | $101,000 | 4,997 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $89,000 | 5,375 |
| Total noninterest expense | $1,178,000 | 5,666 |
| Salaries and employee benefits | $693,000 | 5,455 |
| Premises and equipment expense | $174,000 | 5,339 |
| Additional noninterest expense | $311,000 | 5,963 |
| Pre-tax net operating income | $179,000 | 7,213 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $68,000 | 4,956 |
| Income before extraordinary items | $111,000 | 7,454 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $111,000 | 7,455 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $-578,000 | 8,761 |
| Net operating income | $111,000 | 7,457 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $897,000 | 6,361 |
| Total interest expense | $295,000 | 6,409 |
| Net interest income | $602,000 | 6,221 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $93,000 | 5,746 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $50,000 | 4,949 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $43,000 | 5,402 |
| Total noninterest expense | $579,000 | 5,736 |
| Salaries and employee benefits | $343,000 | 5,498 |
| Premises and equipment expense | $89,000 | 5,311 |
| Additional noninterest expense | $147,000 | 6,114 |
| Pre-tax net operating income | $116,000 | 6,862 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $44,000 | 4,649 |
| Income before extraordinary items | $72,000 | 7,166 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $72,000 | 7,166 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $-561,000 | 8,779 |
| Net operating income | $72,000 | 7,167 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,411,000 | 6,259 |
| Total interest expense | $923,000 | 6,479 |
| Net interest income | $2,488,000 | 6,060 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $428,000 | 5,582 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $205,000 | 4,982 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $223,000 | 4,959 |
| Total noninterest expense | $2,306,000 | 5,630 |
| Salaries and employee benefits | $1,285,000 | 5,564 |
| Premises and equipment expense | $356,000 | 5,228 |
| Additional noninterest expense | $665,000 | 5,741 |
| Pre-tax net operating income | $610,000 | 6,393 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $239,000 | 4,422 |
| Income before extraordinary items | $371,000 | 6,891 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $371,000 | 6,892 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 5,474 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $-78,000 | 8,759 |
| Net operating income | $371,000 | 6,868 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,522,000 | 6,294 |
| Total interest expense | $651,000 | 6,541 |
| Net interest income | $1,871,000 | 6,083 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $321,000 | 5,617 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $151,000 | 5,056 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $170,000 | 4,956 |
| Total noninterest expense | $1,731,000 | 5,596 |
| Salaries and employee benefits | $973,000 | 5,504 |
| Premises and equipment expense | $252,000 | 5,413 |
| Additional noninterest expense | $506,000 | 5,659 |
| Pre-tax net operating income | $461,000 | 6,535 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $181,000 | 4,558 |
| Income before extraordinary items | $280,000 | 7,019 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $280,000 | 7,017 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 4,742 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $280,000 | 6,984 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,659,000 | 6,273 |
| Total interest expense | $409,000 | 6,554 |
| Net interest income | $1,250,000 | 6,062 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $208,000 | 5,651 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $95,000 | 5,143 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $113,000 | 4,941 |
| Total noninterest expense | $1,166,000 | 5,560 |
| Salaries and employee benefits | $650,000 | 5,482 |
| Premises and equipment expense | $169,000 | 5,376 |
| Additional noninterest expense | $347,000 | 5,554 |
| Pre-tax net operating income | $292,000 | 6,632 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $114,000 | 4,645 |
| Income before extraordinary items | $178,000 | 7,099 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $178,000 | 7,101 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 4,310 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $178,000 | 7,067 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $832,000 | 6,271 |
| Total interest expense | $197,000 | 6,576 |
| Net interest income | $635,000 | 6,049 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $86,000 | 6,003 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $46,000 | 5,168 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $40,000 | 5,645 |
| Total noninterest expense | $560,000 | 5,726 |
| Salaries and employee benefits | $322,000 | 5,568 |
| Premises and equipment expense | $84,000 | 5,420 |
| Additional noninterest expense | $154,000 | 5,920 |
| Pre-tax net operating income | $161,000 | 6,421 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $63,000 | 4,453 |
| Income before extraordinary items | $98,000 | 6,933 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $98,000 | 6,935 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 3,138 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $98,000 | 6,907 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,219,000 | 6,220 |
| Total interest expense | $856,000 | 6,081 |
| Net interest income | $2,363,000 | 6,171 |
| Provision for loan and lease losses | $22,000 | 6,676 |
| Total noninterest income | $405,000 | 5,764 |
| Gross Fiduciary activities income | $5,000 | 1,406 |
| Service charges on deposit accounts | $204,000 | 5,173 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $196,000 | 5,152 |
| Total noninterest expense | $2,318,000 | 5,540 |
| Salaries and employee benefits | $1,253,000 | 5,564 |
| Premises and equipment expense | $390,000 | 4,843 |
| Additional noninterest expense | $675,000 | 5,639 |
| Pre-tax net operating income | $428,000 | 6,952 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $172,000 | 4,929 |
| Income before extraordinary items | $256,000 | 7,410 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $256,000 | 7,410 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 8,102 |
| Cash dividends | $7,000 | 6,115 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $256,000 | 7,357 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,416,000 | 6,227 |
| Total interest expense | $657,000 | 6,007 |
| Net interest income | $1,759,000 | 6,196 |
| Provision for loan and lease losses | $18,000 | 6,408 |
| Total noninterest income | $298,000 | 5,827 |
| Gross Fiduciary activities income | $3,000 | 1,390 |
| Service charges on deposit accounts | $151,000 | 5,247 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $144,000 | 5,211 |
| Total noninterest expense | $1,691,000 | 5,598 |
| Salaries and employee benefits | $956,000 | 5,466 |
| Premises and equipment expense | $242,000 | 5,452 |
| Additional noninterest expense | $493,000 | 5,683 |
| Pre-tax net operating income | $348,000 | 6,961 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $141,000 | 4,922 |
| Income before extraordinary items | $207,000 | 7,434 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $207,000 | 7,434 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,993 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $207,000 | 7,368 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,612,000 | 6,230 |
| Total interest expense | $454,000 | 5,923 |
| Net interest income | $1,158,000 | 6,262 |
| Provision for loan and lease losses | $12,000 | 6,242 |
| Total noninterest income | $209,000 | 5,724 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $99,000 | 5,285 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $110,000 | 4,970 |
| Total noninterest expense | $1,123,000 | 5,648 |
| Salaries and employee benefits | $636,000 | 5,505 |
| Premises and equipment expense | $153,000 | 5,605 |
| Additional noninterest expense | $334,000 | 5,640 |
| Pre-tax net operating income | $232,000 | 6,959 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $94,000 | 4,923 |
| Income before extraordinary items | $138,000 | 7,429 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $138,000 | 7,429 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,314 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $138,000 | 7,360 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $803,000 | 6,251 |
| Total interest expense | $237,000 | 5,848 |
| Net interest income | $566,000 | 6,334 |
| Provision for loan and lease losses | $6,000 | 5,941 |
| Total noninterest income | $93,000 | 5,951 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $48,000 | 5,292 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $45,000 | 5,324 |
| Total noninterest expense | $562,000 | 5,660 |
| Salaries and employee benefits | $313,000 | 5,604 |
| Premises and equipment expense | $77,000 | 5,626 |
| Additional noninterest expense | $172,000 | 5,571 |
| Pre-tax net operating income | $91,000 | 7,292 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $37,000 | 5,183 |
| Income before extraordinary items | $54,000 | 7,710 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $54,000 | 7,710 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $54,000 | 7,642 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,444,000 | 6,086 |
| Total interest expense | $1,140,000 | 5,737 |
| Net interest income | $2,304,000 | 6,171 |
| Provision for loan and lease losses | $10,000 | 7,370 |
| Total noninterest income | $513,000 | 5,365 |
| Gross Fiduciary activities income | $5,000 | 1,443 |
| Service charges on deposit accounts | $213,000 | 5,125 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $295,000 | 4,548 |
| Total noninterest expense | $2,243,000 | 5,611 |
| Salaries and employee benefits | $1,233,000 | 5,545 |
| Premises and equipment expense | $344,000 | 5,233 |
| Additional noninterest expense | $666,000 | 5,654 |
| Pre-tax net operating income | $564,000 | 6,468 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $223,000 | 4,760 |
| Income before extraordinary items | $341,000 | 7,083 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $341,000 | 7,084 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 5,782 |
| Cash dividends | $8,000 | 6,233 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $341,000 | 6,934 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,644,000 | 6,091 |
| Total interest expense | $881,000 | 5,786 |
| Net interest income | $1,763,000 | 6,117 |
| Provision for loan and lease losses | $4,000 | 7,376 |
| Total noninterest income | $412,000 | 5,229 |
| Gross Fiduciary activities income | $3,000 | 1,448 |
| Service charges on deposit accounts | $161,000 | 5,136 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $248,000 | 4,394 |
| Total noninterest expense | $1,716,000 | 5,514 |
| Salaries and employee benefits | $966,000 | 5,372 |
| Premises and equipment expense | $270,000 | 5,071 |
| Additional noninterest expense | $480,000 | 5,766 |
| Pre-tax net operating income | $455,000 | 6,481 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $179,000 | 4,831 |
| Income before extraordinary items | $276,000 | 7,082 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $276,000 | 7,083 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 5,436 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $276,000 | 6,919 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,825,000 | 6,020 |
| Total interest expense | $608,000 | 5,793 |
| Net interest income | $1,217,000 | 6,023 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $270,000 | 5,266 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $107,000 | 5,112 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $163,000 | 4,419 |
| Total noninterest expense | $1,135,000 | 5,533 |
| Salaries and employee benefits | $651,000 | 5,350 |
| Premises and equipment expense | $177,000 | 5,101 |
| Additional noninterest expense | $307,000 | 5,914 |
| Pre-tax net operating income | $352,000 | 6,161 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $138,000 | 4,635 |
| Income before extraordinary items | $214,000 | 6,847 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $214,000 | 6,851 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $214,000 | 6,645 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $933,000 | 5,984 |
| Total interest expense | $308,000 | 5,862 |
| Net interest income | $625,000 | 5,923 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $123,000 | 5,400 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $52,000 | 5,093 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $71,000 | 4,573 |
| Total noninterest expense | $575,000 | 5,485 |
| Salaries and employee benefits | $330,000 | 5,297 |
| Premises and equipment expense | $94,000 | 4,897 |
| Additional noninterest expense | $151,000 | 5,912 |
| Pre-tax net operating income | $173,000 | 6,189 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $68,000 | 4,629 |
| Income before extraordinary items | $105,000 | 6,805 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $105,000 | 6,807 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $105,000 | 6,636 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,272,000 | 5,706 |
| Total interest expense | $1,608,000 | 5,510 |
| Net interest income | $2,664,000 | 5,699 |
| Provision for loan and lease losses | $4,000 | 8,000 |
| Total noninterest income | $440,000 | 5,547 |
| Gross Fiduciary activities income | $19,000 | 1,303 |
| Service charges on deposit accounts | $204,000 | 5,152 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $217,000 | 4,851 |
| Total noninterest expense | $2,286,000 | 5,400 |
| Salaries and employee benefits | $1,302,000 | 5,188 |
| Premises and equipment expense | $372,000 | 4,893 |
| Additional noninterest expense | $612,000 | 5,854 |
| Pre-tax net operating income | $814,000 | 5,730 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $322,000 | 4,323 |
| Income before extraordinary items | $492,000 | 6,445 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $492,000 | 6,444 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,516 |
| Cash dividends | $15,000 | 6,266 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $492,000 | 6,282 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,870,000 | 5,716 |
| Total interest expense | $2,526,000 | 5,365 |
| Net interest income | $2,344,000 | 5,938 |
| Provision for loan and lease losses | $1,000 | 8,207 |
| Total noninterest income | $350,000 | 6,022 |
| Gross Fiduciary activities income | $1,000 | 1,678 |
| Service charges on deposit accounts | $201,000 | 5,155 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $148,000 | 5,569 |
| Total noninterest expense | $2,176,000 | 5,423 |
| Salaries and employee benefits | $1,218,000 | 5,255 |
| Premises and equipment expense | $385,000 | 4,711 |
| Additional noninterest expense | $573,000 | 6,011 |
| Pre-tax net operating income | $517,000 | 6,485 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $198,000 | 5,048 |
| Income before extraordinary items | $319,000 | 7,022 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $319,000 | 7,022 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $8,000 | 6,545 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $319,000 | 6,905 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,988,000 | 5,742 |
| Total interest expense | $2,565,000 | 5,463 |
| Net interest income | $2,423,000 | 5,928 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $295,000 | 6,346 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $201,000 | 5,079 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $94,000 | 6,569 |
| Total noninterest expense | $2,187,000 | 5,357 |
| Salaries and employee benefits | $1,186,000 | 5,277 |
| Premises and equipment expense | $394,000 | 4,554 |
| Additional noninterest expense | $607,000 | 5,749 |
| Pre-tax net operating income | $531,000 | 6,858 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $196,000 | 5,430 |
| Income before extraordinary items | $335,000 | 7,260 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $335,000 | 7,258 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,122 |
| Cash dividends | $15,000 | 6,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $335,000 | 7,253 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,801,000 | 5,709 |
| Total interest expense | $2,493,000 | 5,203 |
| Net interest income | $2,308,000 | 6,091 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $325,000 | 6,213 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $212,000 | 4,979 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $113,000 | 6,337 |
| Total noninterest expense | $2,132,000 | 5,429 |
| Salaries and employee benefits | $1,184,000 | 5,213 |
| Premises and equipment expense | $378,000 | 4,709 |
| Additional noninterest expense | $570,000 | 6,019 |
| Pre-tax net operating income | $501,000 | 7,137 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $188,000 | 5,838 |
| Income before extraordinary items | $313,000 | 7,514 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $313,000 | 7,513 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $15,000 | 6,992 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $313,000 | 7,489 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,735,000 | 5,889 |
| Total interest expense | $2,456,000 | 5,427 |
| Net interest income | $2,279,000 | 6,169 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $308,000 | 6,391 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $191,000 | 5,272 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $117,000 | 6,262 |
| Total noninterest expense | $2,106,000 | 5,393 |
| Salaries and employee benefits | $1,163,000 | 5,193 |
| Premises and equipment expense | $369,000 | 4,715 |
| Additional noninterest expense | $574,000 | 5,918 |
| Pre-tax net operating income | $481,000 | 7,474 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $181,000 | 6,408 |
| Income before extraordinary items | $300,000 | 7,891 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $300,000 | 7,890 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $15,000 | 7,315 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $300,000 | 7,803 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,515,000 | 6,215 |
| Total interest expense | $2,144,000 | 5,997 |
| Net interest income | $2,371,000 | 6,260 |
| Provision for loan and lease losses | $50,000 | 6,616 |
| Total noninterest income | $294,000 | 6,705 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $194,000 | 5,433 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $100,000 | 6,788 |
| Total noninterest expense | $2,070,000 | 5,521 |
| Salaries and employee benefits | $1,060,000 | 5,637 |
| Premises and equipment expense | $428,000 | 4,211 |
| Additional noninterest expense | $582,000 | 5,924 |
| Pre-tax net operating income | $545,000 | 7,691 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $200,000 | 6,869 |
| Income before extraordinary items | $345,000 | 8,033 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $345,000 | 8,036 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,371 |
| Cash dividends | $15,000 | 7,671 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $345,000 | 7,984 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,591,000 | 6,305 |
| Total interest expense | $2,287,000 | 5,868 |
| Net interest income | $2,304,000 | 6,557 |
| Provision for loan and lease losses | $55,000 | 6,421 |
| Total noninterest income | $282,000 | 7,167 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $196,000 | 5,636 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $86,000 | 7,551 |
| Total noninterest expense | $1,939,000 | 6,071 |
| Salaries and employee benefits | $919,000 | 6,374 |
| Premises and equipment expense | $454,000 | 4,079 |
| Additional noninterest expense | $566,000 | 6,572 |
| Pre-tax net operating income | $592,000 | 7,461 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $219,000 | 6,854 |
| Income before extraordinary items | $373,000 | 7,839 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $373,000 | 7,837 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $15,000 | 8,125 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $373,000 | 7,776 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,083,000 | 6,897 |
| Total interest expense | $2,040,000 | 6,373 |
| Net interest income | $2,043,000 | 7,204 |
| Provision for loan and lease losses | $38,000 | 6,705 |
| Total noninterest income | $264,000 | 7,516 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $184,000 | 5,982 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $80,000 | 7,955 |
| Total noninterest expense | $1,770,000 | 6,545 |
| Salaries and employee benefits | $794,000 | 7,129 |
| Premises and equipment expense | $368,000 | 4,852 |
| Additional noninterest expense | $608,000 | 6,484 |
| Pre-tax net operating income | $499,000 | 8,441 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $195,000 | 7,506 |
| Income before extraordinary items | $304,000 | 8,901 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $304,000 | 8,905 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $15,000 | 8,467 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $304,000 | 8,873 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,704,000 | 7,069 |
| Total interest expense | $1,804,000 | 6,063 |
| Net interest income | $1,900,000 | 7,803 |
| Provision for loan and lease losses | $139,000 | 3,781 |
| Total noninterest income | $258,000 | 7,831 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $191,000 | 6,044 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $67,000 | 8,779 |
| Total noninterest expense | $1,511,000 | 7,564 |
| Salaries and employee benefits | $749,000 | 7,532 |
| Premises and equipment expense | $208,000 | 7,250 |
| Additional noninterest expense | $554,000 | 7,393 |
| Pre-tax net operating income | $508,000 | 8,604 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $176,000 | 7,790 |
| Income before extraordinary items | $332,000 | 8,805 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $332,000 | 8,807 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $15,000 | 8,673 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $332,000 | 8,857 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,816,000 | 7,097 |
| Total interest expense | $1,946,000 | 5,966 |
| Net interest income | $1,870,000 | 8,041 |
| Provision for loan and lease losses | $8,000 | 9,904 |
| Total noninterest income | $262,000 | 8,182 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $191,000 | 6,139 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $71,000 | 9,036 |
| Total noninterest expense | $1,479,000 | 7,898 |
| Salaries and employee benefits | $712,000 | 7,924 |
| Premises and equipment expense | $201,000 | 7,662 |
| Additional noninterest expense | $566,000 | 7,636 |
| Pre-tax net operating income | $645,000 | 7,651 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $235,000 | 7,015 |
| Income before extraordinary items | $410,000 | 8,327 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $410,000 | 8,488 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $15,000 | 8,780 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $410,000 | 8,054 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,193,000 | 7,253 |
| Total interest expense | $2,361,000 | 6,264 |
| Net interest income | $1,832,000 | 8,243 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $244,000 | 8,594 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $173,000 | 6,539 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $71,000 | 9,237 |
| Total noninterest expense | $1,402,000 | 8,284 |
| Salaries and employee benefits | $668,000 | 8,239 |
| Premises and equipment expense | $202,000 | 7,788 |
| Additional noninterest expense | $532,000 | 8,177 |
| Pre-tax net operating income | $674,000 | 7,242 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $242,000 | 6,787 |
| Income before extraordinary items | $432,000 | 7,914 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $432,000 | 8,033 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $15,000 | 8,575 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $432,000 | 7,558 |
* 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.