Home > Community Bank of Central Wisconsin > Income and Expense
Community Bank of Central Wisconsin, Income and Expense
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $3,205,000 | 5,350 |
| Total interest expense | $559,000 | 4,908 |
| Net interest income | $2,646,000 | 5,358 |
| Provision for loan and lease losses | $60,000 | 5,049 |
| Total noninterest income | $882,000 | 3,473 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $210,000 | 4,167 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $672,000 | 2,953 |
| Total noninterest expense | $4,165,000 | 3,919 |
| Salaries and employee benefits | $1,764,000 | 4,446 |
| Premises and equipment expense | $413,000 | 4,247 |
| Additional noninterest expense | $1,988,000 | 3,103 |
| Pre-tax net operating income | $-697,000 | 6,567 |
| Securities gains (losses) | $0 | 3,810 |
| Applicable income taxes | $133,000 | 3,305 |
| Income before extraordinary items | $-830,000 | 6,681 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-830,000 | 6,675 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $-830,000 | 6,677 |
| Net charge-offs | $666,000 | 2,283 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $-830,000 | 6,629 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $2,448,000 | 5,402 |
| Total interest expense | $432,000 | 4,977 |
| Net interest income | $2,016,000 | 5,406 |
| Provision for loan and lease losses | $60,000 | 4,806 |
| Total noninterest income | $728,000 | 3,336 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $158,000 | 4,216 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $570,000 | 2,753 |
| Total noninterest expense | $3,006,000 | 4,063 |
| Salaries and employee benefits | $1,280,000 | 4,548 |
| Premises and equipment expense | $299,000 | 4,359 |
| Additional noninterest expense | $1,427,000 | 3,238 |
| Pre-tax net operating income | $-322,000 | 6,600 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $82,000 | 3,499 |
| Income before extraordinary items | $-404,000 | 6,722 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-404,000 | 6,720 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-404,000 | 6,720 |
| Net charge-offs | $323,000 | 2,732 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $-404,000 | 6,655 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $1,657,000 | 5,422 |
| Total interest expense | $297,000 | 5,006 |
| Net interest income | $1,360,000 | 5,419 |
| Provision for loan and lease losses | $60,000 | 4,338 |
| Total noninterest income | $456,000 | 3,411 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $105,000 | 4,205 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $351,000 | 2,843 |
| Total noninterest expense | $1,876,000 | 4,242 |
| Salaries and employee benefits | $777,000 | 4,813 |
| Premises and equipment expense | $200,000 | 4,362 |
| Additional noninterest expense | $899,000 | 3,385 |
| Pre-tax net operating income | $-120,000 | 6,554 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $8,000 | 4,301 |
| Income before extraordinary items | $-128,000 | 6,654 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-128,000 | 6,654 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-128,000 | 6,654 |
| Net charge-offs | $235,000 | 2,571 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $-128,000 | 6,575 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $837,000 | 5,447 |
| Total interest expense | $152,000 | 5,070 |
| Net interest income | $685,000 | 5,437 |
| Provision for loan and lease losses | $30,000 | 4,088 |
| Total noninterest income | $189,000 | 3,758 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $50,000 | 4,284 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $139,000 | 3,175 |
| Total noninterest expense | $841,000 | 4,535 |
| Salaries and employee benefits | $366,000 | 5,004 |
| Premises and equipment expense | $93,000 | 4,555 |
| Additional noninterest expense | $382,000 | 3,751 |
| Pre-tax net operating income | $3,000 | 6,399 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $5,000 | 4,246 |
| Income before extraordinary items | $-2,000 | 6,540 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-2,000 | 6,540 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-2,000 | 6,540 |
| Net charge-offs | $167,000 | 1,992 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-2,000 | 6,430 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $3,860,000 | 5,230 |
| Total interest expense | $761,000 | 5,033 |
| Net interest income | $3,099,000 | 5,184 |
| Provision for loan and lease losses | $110,000 | 5,257 |
| Total noninterest income | $955,000 | 3,196 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $233,000 | 4,102 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $722,000 | 2,593 |
| Total noninterest expense | $3,802,000 | 4,265 |
| Salaries and employee benefits | $1,601,000 | 4,784 |
| Premises and equipment expense | $377,000 | 4,696 |
| Additional noninterest expense | $1,824,000 | 3,376 |
| Pre-tax net operating income | $142,000 | 5,634 |
| Securities gains (losses) | $9,000 | 3,367 |
| Applicable income taxes | $3,436,000 | 527 |
| Income before extraordinary items | $-3,285,000 | 6,971 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-3,285,000 | 6,972 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-3,285,000 | 6,972 |
| Net charge-offs | $3,414,000 | 1,094 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-3,290,760 | 6,955 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $2,889,000 | 5,288 |
| Total interest expense | $601,000 | 5,041 |
| Net interest income | $2,288,000 | 5,257 |
| Provision for loan and lease losses | $80,000 | 5,195 |
| Total noninterest income | $666,000 | 3,338 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $175,000 | 4,126 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $491,000 | 2,735 |
| Total noninterest expense | $2,886,000 | 4,220 |
| Salaries and employee benefits | $1,225,000 | 4,719 |
| Premises and equipment expense | $297,000 | 4,636 |
| Additional noninterest expense | $1,364,000 | 3,382 |
| Pre-tax net operating income | $-12,000 | 6,162 |
| Securities gains (losses) | $9,000 | 3,085 |
| Applicable income taxes | $2,903,000 | 483 |
| Income before extraordinary items | $-2,906,000 | 7,142 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,906,000 | 7,142 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-2,906,000 | 7,143 |
| Net charge-offs | $3,277,000 | 886 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-2,915,000 | 7,129 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $2,060,000 | 5,169 |
| Total interest expense | $427,000 | 5,004 |
| Net interest income | $1,633,000 | 5,126 |
| Provision for loan and lease losses | $50,000 | 5,106 |
| Total noninterest income | $645,000 | 2,682 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $115,000 | 4,126 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $530,000 | 2,020 |
| Total noninterest expense | $1,975,000 | 4,197 |
| Salaries and employee benefits | $841,000 | 4,685 |
| Premises and equipment expense | $207,000 | 4,578 |
| Additional noninterest expense | $927,000 | 3,377 |
| Pre-tax net operating income | $253,000 | 4,823 |
| Securities gains (losses) | $9,000 | 2,392 |
| Applicable income taxes | $2,877,000 | 367 |
| Income before extraordinary items | $-2,615,000 | 7,267 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-2,615,000 | 7,267 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-2,615,000 | 7,268 |
| Net charge-offs | $2,809,000 | 731 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-2,620,760 | 7,254 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,097,000 | 5,022 |
| Total interest expense | $229,000 | 4,949 |
| Net interest income | $868,000 | 4,968 |
| Provision for loan and lease losses | $20,000 | 4,994 |
| Total noninterest income | $488,000 | 2,025 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $58,000 | 4,076 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $430,000 | 1,492 |
| Total noninterest expense | $894,000 | 4,495 |
| Salaries and employee benefits | $401,000 | 4,859 |
| Premises and equipment expense | $114,000 | 4,406 |
| Additional noninterest expense | $379,000 | 3,867 |
| Pre-tax net operating income | $442,000 | 2,783 |
| Securities gains (losses) | $9,000 | 1,340 |
| Applicable income taxes | $2,905,000 | 218 |
| Income before extraordinary items | $-2,454,000 | 7,425 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-2,454,000 | 7,424 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-2,454,000 | 7,425 |
| Net charge-offs | $687,000 | 1,102 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-2,459,760 | 7,426 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $5,794,000 | 4,424 |
| Total interest expense | $1,424,000 | 4,382 |
| Net interest income | $4,370,000 | 4,326 |
| Provision for loan and lease losses | $5,975,000 | 998 |
| Total noninterest income | $1,068,000 | 3,127 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $269,000 | 3,854 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $799,000 | 2,499 |
| Total noninterest expense | $3,535,000 | 4,567 |
| Salaries and employee benefits | $1,670,000 | 4,751 |
| Premises and equipment expense | $433,000 | 4,553 |
| Additional noninterest expense | $1,432,000 | 4,129 |
| Pre-tax net operating income | $-4,072,000 | 7,035 |
| Securities gains (losses) | $11,000 | 3,287 |
| Applicable income taxes | $-1,713,000 | 7,424 |
| Income before extraordinary items | $-2,348,000 | 6,908 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-2,348,000 | 6,908 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-2,348,000 | 6,909 |
| Net charge-offs | $1,812,000 | 1,978 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-2,355,040 | 6,887 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $4,546,000 | 4,385 |
| Total interest expense | $1,150,000 | 4,353 |
| Net interest income | $3,396,000 | 4,288 |
| Provision for loan and lease losses | $5,675,000 | 791 |
| Total noninterest income | $792,000 | 3,169 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $202,000 | 3,924 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $590,000 | 2,512 |
| Total noninterest expense | $2,722,000 | 4,504 |
| Salaries and employee benefits | $1,203,000 | 4,907 |
| Premises and equipment expense | $326,000 | 4,622 |
| Additional noninterest expense | $1,193,000 | 3,822 |
| Pre-tax net operating income | $-4,209,000 | 7,314 |
| Securities gains (losses) | $8,000 | 3,163 |
| Applicable income taxes | $-1,775,000 | 7,587 |
| Income before extraordinary items | $-2,426,000 | 7,200 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-2,426,000 | 7,199 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-2,426,000 | 7,200 |
| Net charge-offs | $1,806,000 | 1,603 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-2,431,120 | 7,177 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $3,129,000 | 4,322 |
| Total interest expense | $820,000 | 4,278 |
| Net interest income | $2,309,000 | 4,238 |
| Provision for loan and lease losses | $1,900,000 | 1,320 |
| Total noninterest income | $681,000 | 2,630 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $116,000 | 4,206 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $565,000 | 1,942 |
| Total noninterest expense | $1,869,000 | 4,439 |
| Salaries and employee benefits | $821,000 | 4,861 |
| Premises and equipment expense | $213,000 | 4,693 |
| Additional noninterest expense | $835,000 | 3,684 |
| Pre-tax net operating income | $-779,000 | 6,901 |
| Securities gains (losses) | $8,000 | 2,663 |
| Applicable income taxes | $-407,000 | 7,445 |
| Income before extraordinary items | $-364,000 | 6,755 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-364,000 | 6,757 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-364,000 | 6,756 |
| Net charge-offs | $46,000 | 4,959 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-369,120 | 6,715 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,588,000 | 4,340 |
| Total interest expense | $438,000 | 4,261 |
| Net interest income | $1,150,000 | 4,277 |
| Provision for loan and lease losses | $1,600,000 | 858 |
| Total noninterest income | $345,000 | 2,610 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $56,000 | 4,261 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $289,000 | 1,881 |
| Total noninterest expense | $966,000 | 4,383 |
| Salaries and employee benefits | $450,000 | 4,649 |
| Premises and equipment expense | $117,000 | 4,526 |
| Additional noninterest expense | $399,000 | 3,803 |
| Pre-tax net operating income | $-1,071,000 | 7,433 |
| Securities gains (losses) | $7,000 | 1,814 |
| Applicable income taxes | $-456,000 | 7,698 |
| Income before extraordinary items | $-608,000 | 7,316 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-608,000 | 7,316 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-608,000 | 7,317 |
| Net charge-offs | $-126,000 | 7,863 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-612,480 | 7,303 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $6,675,000 | 4,313 |
| Total interest expense | $2,027,000 | 4,408 |
| Net interest income | $4,648,000 | 4,131 |
| Provision for loan and lease losses | $5,711,000 | 1,289 |
| Total noninterest income | $787,000 | 3,799 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $258,000 | 4,175 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $529,000 | 3,111 |
| Total noninterest expense | $7,172,000 | 2,734 |
| Salaries and employee benefits | $1,973,000 | 4,408 |
| Premises and equipment expense | $448,000 | 4,697 |
| Additional noninterest expense | $4,751,000 | 1,570 |
| Pre-tax net operating income | $-7,448,000 | 7,378 |
| Securities gains (losses) | $307,000 | 1,225 |
| Applicable income taxes | $-2,546,000 | 7,584 |
| Income before extraordinary items | $-4,595,000 | 7,218 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-4,595,000 | 7,217 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-4,595,000 | 7,217 |
| Net charge-offs | $4,970,000 | 1,151 |
| Cash dividends | $215,000 | 3,575 |
| Sale, conversion, retirement of capital stock, net | $620,000 | 500 |
| Net operating income | $-4,791,480 | 7,264 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $5,046,000 | 4,336 |
| Total interest expense | $1,551,000 | 4,500 |
| Net interest income | $3,495,000 | 4,128 |
| Provision for loan and lease losses | $2,800,000 | 1,544 |
| Total noninterest income | $492,000 | 4,256 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $194,000 | 4,173 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $298,000 | 3,628 |
| Total noninterest expense | $2,845,000 | 4,493 |
| Salaries and employee benefits | $1,477,000 | 4,434 |
| Premises and equipment expense | $319,000 | 4,867 |
| Additional noninterest expense | $1,049,000 | 4,255 |
| Pre-tax net operating income | $-1,658,000 | 6,931 |
| Securities gains (losses) | $69,000 | 2,087 |
| Applicable income taxes | $-817,000 | 7,489 |
| Income before extraordinary items | $-772,000 | 6,611 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-772,000 | 6,612 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-772,000 | 6,612 |
| Net charge-offs | $2,306,000 | 1,388 |
| Cash dividends | $151,000 | 3,305 |
| Sale, conversion, retirement of capital stock, net | $620,000 | 401 |
| Net operating income | $-816,160 | 6,634 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,374,000 | 4,372 |
| Total interest expense | $1,055,000 | 4,567 |
| Net interest income | $2,319,000 | 4,118 |
| Provision for loan and lease losses | $2,400,000 | 1,257 |
| Total noninterest income | $513,000 | 3,367 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $132,000 | 4,122 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $381,000 | 2,627 |
| Total noninterest expense | $1,939,000 | 4,468 |
| Salaries and employee benefits | $1,005,000 | 4,423 |
| Premises and equipment expense | $235,000 | 4,627 |
| Additional noninterest expense | $699,000 | 4,267 |
| Pre-tax net operating income | $-1,507,000 | 7,241 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-712,000 | 7,669 |
| Income before extraordinary items | $-795,000 | 7,018 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-795,000 | 7,018 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-795,000 | 7,018 |
| Net charge-offs | $568,000 | 2,203 |
| Cash dividends | $66,000 | 3,543 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-795,000 | 7,007 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,756,000 | 4,292 |
| Total interest expense | $535,000 | 4,645 |
| Net interest income | $1,221,000 | 4,013 |
| Provision for loan and lease losses | $250,000 | 2,548 |
| Total noninterest income | $218,000 | 3,646 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $64,000 | 4,142 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $154,000 | 2,919 |
| Total noninterest expense | $890,000 | 4,645 |
| Salaries and employee benefits | $484,000 | 4,580 |
| Premises and equipment expense | $125,000 | 4,516 |
| Additional noninterest expense | $281,000 | 4,608 |
| Pre-tax net operating income | $299,000 | 3,343 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $72,000 | 2,518 |
| Income before extraordinary items | $227,000 | 3,645 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $227,000 | 3,645 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $227,000 | 3,646 |
| Net charge-offs | $201,000 | 2,127 |
| Cash dividends | $66,000 | 2,536 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $227,000 | 3,498 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $7,379,000 | 4,346 |
| Total interest expense | $2,988,000 | 4,266 |
| Net interest income | $4,391,000 | 4,289 |
| Provision for loan and lease losses | $1,032,000 | 2,666 |
| Total noninterest income | $1,312,000 | 2,878 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $252,000 | 4,340 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,060,000 | 2,042 |
| Total noninterest expense | $3,871,000 | 4,346 |
| Salaries and employee benefits | $2,190,000 | 4,154 |
| Premises and equipment expense | $478,000 | 4,579 |
| Additional noninterest expense | $1,203,000 | 4,286 |
| Pre-tax net operating income | $800,000 | 4,163 |
| Securities gains (losses) | $66,000 | 1,418 |
| Applicable income taxes | $65,000 | 3,696 |
| Income before extraordinary items | $801,000 | 3,702 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $801,000 | 3,702 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $471,000 | 2,880 |
| Cash dividends | $351,000 | 3,867 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $740,280 | 3,980 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $5,617,000 | 4,376 |
| Total interest expense | $2,360,000 | 4,246 |
| Net interest income | $3,257,000 | 4,357 |
| Provision for loan and lease losses | $610,000 | 2,457 |
| Total noninterest income | $1,056,000 | 2,793 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $183,000 | 4,436 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $873,000 | 2,005 |
| Total noninterest expense | $3,073,000 | 4,149 |
| Salaries and employee benefits | $1,784,000 | 3,952 |
| Premises and equipment expense | $384,000 | 4,413 |
| Additional noninterest expense | $905,000 | 4,187 |
| Pre-tax net operating income | $630,000 | 4,555 |
| Securities gains (losses) | $66,000 | 1,242 |
| Applicable income taxes | $154,000 | 3,202 |
| Income before extraordinary items | $542,000 | 4,291 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $542,000 | 4,289 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $112,000 | 3,808 |
| Cash dividends | $220,000 | 3,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $490,520 | 4,632 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,811,000 | 4,390 |
| Total interest expense | $1,664,000 | 4,214 |
| Net interest income | $2,147,000 | 4,389 |
| Provision for loan and lease losses | $110,000 | 4,116 |
| Total noninterest income | $757,000 | 2,708 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $118,000 | 4,516 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $639,000 | 1,920 |
| Total noninterest expense | $2,093,000 | 4,109 |
| Salaries and employee benefits | $1,226,000 | 3,900 |
| Premises and equipment expense | $258,000 | 4,423 |
| Additional noninterest expense | $609,000 | 4,146 |
| Pre-tax net operating income | $701,000 | 3,692 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $168,000 | 2,882 |
| Income before extraordinary items | $533,000 | 3,887 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $533,000 | 3,887 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 3,485 |
| Cash dividends | $154,000 | 3,700 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $533,000 | 3,830 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,992,000 | 4,337 |
| Total interest expense | $911,000 | 4,155 |
| Net interest income | $1,081,000 | 4,373 |
| Provision for loan and lease losses | $20,000 | 4,875 |
| Total noninterest income | $372,000 | 2,737 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $55,000 | 4,609 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $317,000 | 1,906 |
| Total noninterest expense | $1,029,000 | 4,155 |
| Salaries and employee benefits | $613,000 | 3,910 |
| Premises and equipment expense | $129,000 | 4,432 |
| Additional noninterest expense | $287,000 | 4,253 |
| Pre-tax net operating income | $404,000 | 3,530 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $105,000 | 2,738 |
| Income before extraordinary items | $299,000 | 3,801 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $299,000 | 3,805 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,531 |
| Cash dividends | $22,000 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $299,000 | 3,722 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $8,676,000 | 4,141 |
| Total interest expense | $4,449,000 | 3,744 |
| Net interest income | $4,227,000 | 4,466 |
| Provision for loan and lease losses | $120,000 | 4,617 |
| Total noninterest income | $1,470,000 | 2,749 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $220,000 | 4,714 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,250,000 | 1,907 |
| Total noninterest expense | $3,923,000 | 4,182 |
| Salaries and employee benefits | $2,300,000 | 3,951 |
| Premises and equipment expense | $534,000 | 4,179 |
| Additional noninterest expense | $1,089,000 | 4,364 |
| Pre-tax net operating income | $1,654,000 | 3,719 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $457,000 | 2,852 |
| Income before extraordinary items | $1,197,000 | 3,944 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,197,000 | 3,945 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 4,854 |
| Cash dividends | $384,000 | 4,118 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,197,000 | 3,941 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $6,540,000 | 4,143 |
| Total interest expense | $3,404,000 | 3,711 |
| Net interest income | $3,136,000 | 4,527 |
| Provision for loan and lease losses | $100,000 | 4,093 |
| Total noninterest income | $1,180,000 | 2,614 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $161,000 | 4,776 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,019,000 | 1,812 |
| Total noninterest expense | $2,888,000 | 4,203 |
| Salaries and employee benefits | $1,711,000 | 3,964 |
| Premises and equipment expense | $399,000 | 4,177 |
| Additional noninterest expense | $778,000 | 4,460 |
| Pre-tax net operating income | $1,328,000 | 3,738 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $376,000 | 2,887 |
| Income before extraordinary items | $952,000 | 3,991 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $952,000 | 3,991 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 3,780 |
| Cash dividends | $272,000 | 3,767 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $952,000 | 3,972 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,237,000 | 4,241 |
| Total interest expense | $2,243,000 | 3,734 |
| Net interest income | $1,994,000 | 4,669 |
| Provision for loan and lease losses | $100,000 | 3,268 |
| Total noninterest income | $768,000 | 2,668 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $107,000 | 4,803 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $661,000 | 1,851 |
| Total noninterest expense | $1,960,000 | 4,184 |
| Salaries and employee benefits | $1,126,000 | 4,036 |
| Premises and equipment expense | $265,000 | 4,205 |
| Additional noninterest expense | $569,000 | 4,171 |
| Pre-tax net operating income | $702,000 | 4,309 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $186,000 | 3,358 |
| Income before extraordinary items | $516,000 | 4,482 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $516,000 | 4,483 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,510 |
| Cash dividends | $204,000 | 3,589 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $516,000 | 4,473 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,086,000 | 4,276 |
| Total interest expense | $1,083,000 | 3,798 |
| Net interest income | $1,003,000 | 4,683 |
| Provision for loan and lease losses | $60,000 | 2,747 |
| Total noninterest income | $355,000 | 2,785 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $50,000 | 4,884 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $305,000 | 1,938 |
| Total noninterest expense | $968,000 | 4,237 |
| Salaries and employee benefits | $549,000 | 4,139 |
| Premises and equipment expense | $133,000 | 4,204 |
| Additional noninterest expense | $286,000 | 4,106 |
| Pre-tax net operating income | $330,000 | 4,435 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $84,000 | 3,516 |
| Income before extraordinary items | $246,000 | 4,602 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $246,000 | 4,604 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,345 |
| Cash dividends | $69,000 | 3,417 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $246,000 | 4,589 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $7,477,000 | 4,380 |
| Total interest expense | $3,646,000 | 3,814 |
| Net interest income | $3,831,000 | 4,782 |
| Provision for loan and lease losses | $220,000 | 3,350 |
| Total noninterest income | $1,349,000 | 2,902 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $191,000 | 5,080 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,158,000 | 2,019 |
| Total noninterest expense | $3,700,000 | 4,211 |
| Salaries and employee benefits | $2,146,000 | 4,061 |
| Premises and equipment expense | $486,000 | 4,353 |
| Additional noninterest expense | $1,068,000 | 4,306 |
| Pre-tax net operating income | $1,260,000 | 4,688 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $329,000 | 3,678 |
| Income before extraordinary items | $931,000 | 4,861 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $931,000 | 4,864 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $108,000 | 3,052 |
| Cash dividends | $351,000 | 4,276 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $931,000 | 4,854 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,458,000 | 4,440 |
| Total interest expense | $2,631,000 | 3,834 |
| Net interest income | $2,827,000 | 4,863 |
| Provision for loan and lease losses | $180,000 | 3,038 |
| Total noninterest income | $1,028,000 | 2,877 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $139,000 | 5,188 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $889,000 | 1,995 |
| Total noninterest expense | $2,725,000 | 4,257 |
| Salaries and employee benefits | $1,608,000 | 4,041 |
| Premises and equipment expense | $356,000 | 4,428 |
| Additional noninterest expense | $761,000 | 4,443 |
| Pre-tax net operating income | $950,000 | 4,827 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $245,000 | 3,873 |
| Income before extraordinary items | $705,000 | 4,992 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $705,000 | 4,996 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $109,000 | 2,222 |
| Cash dividends | $225,000 | 4,017 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $705,000 | 4,989 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,455,000 | 4,552 |
| Total interest expense | $1,664,000 | 3,855 |
| Net interest income | $1,791,000 | 5,043 |
| Provision for loan and lease losses | $120,000 | 2,983 |
| Total noninterest income | $750,000 | 2,710 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $85,000 | 5,349 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $665,000 | 1,830 |
| Total noninterest expense | $1,821,000 | 4,261 |
| Salaries and employee benefits | $1,027,000 | 4,188 |
| Premises and equipment expense | $242,000 | 4,353 |
| Additional noninterest expense | $552,000 | 4,172 |
| Pre-tax net operating income | $600,000 | 4,992 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $144,000 | 4,064 |
| Income before extraordinary items | $456,000 | 5,101 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $456,000 | 5,105 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 2,255 |
| Cash dividends | $143,000 | 4,060 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $456,000 | 5,092 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,628,000 | 4,666 |
| Total interest expense | $776,000 | 3,903 |
| Net interest income | $852,000 | 5,215 |
| Provision for loan and lease losses | $60,000 | 2,788 |
| Total noninterest income | $396,000 | 2,559 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $38,000 | 5,504 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $358,000 | 1,696 |
| Total noninterest expense | $920,000 | 4,246 |
| Salaries and employee benefits | $505,000 | 4,248 |
| Premises and equipment expense | $116,000 | 4,522 |
| Additional noninterest expense | $299,000 | 3,908 |
| Pre-tax net operating income | $268,000 | 5,227 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $63,000 | 4,198 |
| Income before extraordinary items | $205,000 | 5,301 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $205,000 | 5,299 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 1,683 |
| Cash dividends | $72,000 | 3,370 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $205,000 | 5,302 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,190,000 | 5,034 |
| Total interest expense | $2,158,000 | 4,219 |
| Net interest income | $3,032,000 | 5,474 |
| Provision for loan and lease losses | $163,000 | 3,988 |
| Total noninterest income | $1,319,000 | 2,931 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $149,000 | 5,636 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,170,000 | 2,003 |
| Total noninterest expense | $3,098,000 | 4,668 |
| Salaries and employee benefits | $1,821,000 | 4,439 |
| Premises and equipment expense | $378,000 | 5,040 |
| Additional noninterest expense | $899,000 | 4,770 |
| Pre-tax net operating income | $1,090,000 | 5,124 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $189,000 | 4,738 |
| Income before extraordinary items | $901,000 | 5,084 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $901,000 | 5,086 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $177,000 | 2,472 |
| Cash dividends | $259,000 | 4,610 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $901,000 | 5,044 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,746,000 | 5,120 |
| Total interest expense | $1,489,000 | 4,315 |
| Net interest income | $2,257,000 | 5,519 |
| Provision for loan and lease losses | $118,000 | 3,925 |
| Total noninterest income | $1,055,000 | 2,794 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $114,000 | 5,625 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $941,000 | 1,896 |
| Total noninterest expense | $2,342,000 | 4,628 |
| Salaries and employee benefits | $1,376,000 | 4,376 |
| Premises and equipment expense | $272,000 | 5,157 |
| Additional noninterest expense | $694,000 | 4,650 |
| Pre-tax net operating income | $852,000 | 5,169 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $130,000 | 4,982 |
| Income before extraordinary items | $722,000 | 5,002 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $722,000 | 5,003 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $179,000 | 1,809 |
| Cash dividends | $169,000 | 4,242 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $722,000 | 4,959 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,368,000 | 5,234 |
| Total interest expense | $890,000 | 4,473 |
| Net interest income | $1,478,000 | 5,546 |
| Provision for loan and lease losses | $58,000 | 4,382 |
| Total noninterest income | $720,000 | 2,717 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $77,000 | 5,561 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $643,000 | 1,840 |
| Total noninterest expense | $1,594,000 | 4,544 |
| Salaries and employee benefits | $946,000 | 4,251 |
| Premises and equipment expense | $173,000 | 5,308 |
| Additional noninterest expense | $475,000 | 4,546 |
| Pre-tax net operating income | $546,000 | 5,248 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $87,000 | 4,992 |
| Income before extraordinary items | $459,000 | 5,099 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $459,000 | 5,100 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 1,987 |
| Cash dividends | $169,000 | 3,711 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $459,000 | 5,051 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,159,000 | 5,282 |
| Total interest expense | $420,000 | 4,526 |
| Net interest income | $739,000 | 5,575 |
| Provision for loan and lease losses | $-17,000 | 8,744 |
| Total noninterest income | $356,000 | 2,695 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $26,000 | 6,203 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $330,000 | 1,782 |
| Total noninterest expense | $788,000 | 4,603 |
| Salaries and employee benefits | $481,000 | 4,218 |
| Premises and equipment expense | $80,000 | 5,566 |
| Additional noninterest expense | $227,000 | 4,679 |
| Pre-tax net operating income | $324,000 | 4,795 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $88,000 | 3,973 |
| Income before extraordinary items | $236,000 | 5,012 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $236,000 | 5,012 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $72,000 | 3,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $236,000 | 4,974 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,062,000 | 5,511 |
| Total interest expense | $1,424,000 | 4,654 |
| Net interest income | $2,638,000 | 5,830 |
| Provision for loan and lease losses | $100,000 | 4,964 |
| Total noninterest income | $1,165,000 | 3,189 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $117,000 | 6,222 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,048,000 | 2,079 |
| Total noninterest expense | $2,887,000 | 4,787 |
| Salaries and employee benefits | $1,649,000 | 4,635 |
| Premises and equipment expense | $349,000 | 5,226 |
| Additional noninterest expense | $889,000 | 4,745 |
| Pre-tax net operating income | $816,000 | 5,743 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $91,000 | 5,608 |
| Income before extraordinary items | $725,000 | 5,498 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $725,000 | 5,499 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 3,625 |
| Cash dividends | $463,000 | 3,680 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $725,000 | 5,419 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,021,000 | 5,531 |
| Total interest expense | $1,056,000 | 4,642 |
| Net interest income | $1,965,000 | 5,846 |
| Provision for loan and lease losses | $77,000 | 4,765 |
| Total noninterest income | $922,000 | 3,103 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $85,000 | 6,315 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $837,000 | 2,012 |
| Total noninterest expense | $2,152,000 | 4,761 |
| Salaries and employee benefits | $1,222,000 | 4,627 |
| Premises and equipment expense | $299,000 | 4,760 |
| Additional noninterest expense | $631,000 | 4,886 |
| Pre-tax net operating income | $658,000 | 5,658 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $116,000 | 5,171 |
| Income before extraordinary items | $542,000 | 5,614 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $542,000 | 5,614 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 2,796 |
| Cash dividends | $292,000 | 3,513 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $542,000 | 5,546 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,021,000 | 5,517 |
| Total interest expense | $700,000 | 4,670 |
| Net interest income | $1,321,000 | 5,820 |
| Provision for loan and lease losses | $30,000 | 5,293 |
| Total noninterest income | $623,000 | 3,096 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $57,000 | 6,308 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $566,000 | 2,003 |
| Total noninterest expense | $1,435,000 | 4,790 |
| Salaries and employee benefits | $820,000 | 4,631 |
| Premises and equipment expense | $192,000 | 4,896 |
| Additional noninterest expense | $423,000 | 4,868 |
| Pre-tax net operating income | $479,000 | 5,413 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $100,000 | 4,844 |
| Income before extraordinary items | $379,000 | 5,464 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $379,000 | 5,464 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 2,646 |
| Cash dividends | $219,000 | 3,338 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $379,000 | 5,365 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,004,000 | 5,558 |
| Total interest expense | $349,000 | 4,715 |
| Net interest income | $655,000 | 5,849 |
| Provision for loan and lease losses | $30,000 | 4,060 |
| Total noninterest income | $355,000 | 2,768 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $31,000 | 6,143 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $324,000 | 1,782 |
| Total noninterest expense | $721,000 | 4,823 |
| Salaries and employee benefits | $407,000 | 4,672 |
| Premises and equipment expense | $92,000 | 5,093 |
| Additional noninterest expense | $222,000 | 4,690 |
| Pre-tax net operating income | $259,000 | 5,182 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $57,000 | 4,676 |
| Income before extraordinary items | $202,000 | 5,319 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $202,000 | 5,318 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 3,014 |
| Cash dividends | $72,000 | 3,178 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $202,000 | 5,198 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,509,000 | 5,232 |
| Total interest expense | $1,540,000 | 4,795 |
| Net interest income | $2,969,000 | 5,348 |
| Provision for loan and lease losses | $240,000 | 3,615 |
| Total noninterest income | $1,037,000 | 3,648 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $173,000 | 5,573 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $864,000 | 2,605 |
| Total noninterest expense | $2,704,000 | 4,939 |
| Salaries and employee benefits | $1,478,000 | 4,888 |
| Premises and equipment expense | $358,000 | 5,096 |
| Additional noninterest expense | $868,000 | 4,768 |
| Pre-tax net operating income | $1,062,000 | 5,014 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $240,000 | 4,644 |
| Income before extraordinary items | $822,000 | 5,173 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $822,000 | 5,173 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $218,000 | 2,746 |
| Cash dividends | $341,000 | 4,192 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $822,000 | 5,017 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,486,000 | 5,204 |
| Total interest expense | $1,189,000 | 4,846 |
| Net interest income | $2,297,000 | 5,262 |
| Provision for loan and lease losses | $180,000 | 3,498 |
| Total noninterest income | $831,000 | 3,552 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $128,000 | 5,647 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $703,000 | 2,553 |
| Total noninterest expense | $1,995,000 | 4,990 |
| Salaries and employee benefits | $1,112,000 | 4,868 |
| Premises and equipment expense | $269,000 | 5,083 |
| Additional noninterest expense | $614,000 | 4,928 |
| Pre-tax net operating income | $953,000 | 4,682 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $265,000 | 4,156 |
| Income before extraordinary items | $688,000 | 5,038 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $688,000 | 5,038 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $138,000 | 2,738 |
| Cash dividends | $227,000 | 3,860 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $688,000 | 4,852 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,366,000 | 5,172 |
| Total interest expense | $809,000 | 4,892 |
| Net interest income | $1,557,000 | 5,222 |
| Provision for loan and lease losses | $120,000 | 3,448 |
| Total noninterest income | $536,000 | 3,603 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $76,000 | 5,869 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $460,000 | 2,569 |
| Total noninterest expense | $1,293,000 | 5,080 |
| Salaries and employee benefits | $726,000 | 4,941 |
| Premises and equipment expense | $177,000 | 5,101 |
| Additional noninterest expense | $390,000 | 5,101 |
| Pre-tax net operating income | $680,000 | 4,506 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $211,000 | 3,860 |
| Income before extraordinary items | $469,000 | 4,963 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $469,000 | 4,963 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 2,641 |
| Cash dividends | $156,000 | 3,803 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $469,000 | 4,757 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,185,000 | 5,210 |
| Total interest expense | $411,000 | 4,954 |
| Net interest income | $774,000 | 5,214 |
| Provision for loan and lease losses | $60,000 | 3,248 |
| Total noninterest income | $253,000 | 3,610 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $35,000 | 5,954 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $218,000 | 2,578 |
| Total noninterest expense | $633,000 | 5,163 |
| Salaries and employee benefits | $350,000 | 5,087 |
| Premises and equipment expense | $91,000 | 5,012 |
| Additional noninterest expense | $192,000 | 5,116 |
| Pre-tax net operating income | $334,000 | 4,511 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $101,000 | 3,916 |
| Income before extraordinary items | $233,000 | 4,905 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $233,000 | 4,904 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 2,205 |
| Cash dividends | $35,000 | 3,583 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $233,000 | 4,707 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,935,000 | 5,222 |
| Total interest expense | $1,872,000 | 5,028 |
| Net interest income | $3,063,000 | 5,222 |
| Provision for loan and lease losses | $456,000 | 2,549 |
| Total noninterest income | $979,000 | 3,532 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $129,000 | 6,134 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $850,000 | 2,415 |
| Total noninterest expense | $2,561,000 | 5,008 |
| Salaries and employee benefits | $1,331,000 | 5,117 |
| Premises and equipment expense | $361,000 | 4,984 |
| Additional noninterest expense | $869,000 | 4,655 |
| Pre-tax net operating income | $1,025,000 | 5,149 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $292,000 | 4,492 |
| Income before extraordinary items | $733,000 | 5,434 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $733,000 | 5,433 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $179,000 | 3,194 |
| Cash dividends | $225,000 | 4,750 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $733,000 | 5,292 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,845,000 | 5,059 |
| Total interest expense | $3,370,000 | 4,329 |
| Net interest income | $2,475,000 | 5,754 |
| Provision for loan and lease losses | $215,000 | 3,959 |
| Total noninterest income | $1,106,000 | 3,108 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $134,000 | 6,027 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $972,000 | 2,080 |
| Total noninterest expense | $2,864,000 | 4,499 |
| Salaries and employee benefits | $1,418,000 | 4,711 |
| Premises and equipment expense | $470,000 | 4,099 |
| Additional noninterest expense | $976,000 | 4,146 |
| Pre-tax net operating income | $502,000 | 6,537 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $176,000 | 5,226 |
| Income before extraordinary items | $326,000 | 6,978 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $326,000 | 6,978 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $134,000 | 3,560 |
| Cash dividends | $82,000 | 5,881 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $326,000 | 6,858 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,375,000 | 5,476 |
| Total interest expense | $3,231,000 | 4,662 |
| Net interest income | $2,144,000 | 6,356 |
| Provision for loan and lease losses | $130,000 | 4,683 |
| Total noninterest income | $1,265,000 | 2,656 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $120,000 | 6,224 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,145,000 | 1,696 |
| Total noninterest expense | $2,469,000 | 4,902 |
| Salaries and employee benefits | $1,275,000 | 4,965 |
| Premises and equipment expense | $300,000 | 5,422 |
| Additional noninterest expense | $894,000 | 4,361 |
| Pre-tax net operating income | $810,000 | 5,839 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $307,000 | 4,558 |
| Income before extraordinary items | $503,000 | 6,299 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $503,000 | 6,297 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 4,408 |
| Cash dividends | $77,000 | 6,161 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $503,000 | 6,319 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,411,000 | 6,010 |
| Total interest expense | $2,414,000 | 5,316 |
| Net interest income | $1,997,000 | 6,652 |
| Provision for loan and lease losses | $118,000 | 4,907 |
| Total noninterest income | $359,000 | 5,929 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $102,000 | 6,671 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $257,000 | 4,370 |
| Total noninterest expense | $1,603,000 | 6,527 |
| Salaries and employee benefits | $757,000 | 6,959 |
| Premises and equipment expense | $270,000 | 5,798 |
| Additional noninterest expense | $576,000 | 5,977 |
| Pre-tax net operating income | $635,000 | 6,594 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $233,000 | 5,368 |
| Income before extraordinary items | $402,000 | 6,980 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $402,000 | 6,978 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,499 |
| Cash dividends | $61,000 | 6,481 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $402,000 | 6,948 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,541,000 | 6,906 |
| Total interest expense | $1,951,000 | 6,265 |
| Net interest income | $1,590,000 | 7,486 |
| Provision for loan and lease losses | $143,000 | 4,290 |
| Total noninterest income | $242,000 | 7,093 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $77,000 | 7,365 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $165,000 | 5,440 |
| Total noninterest expense | $1,356,000 | 7,084 |
| Salaries and employee benefits | $626,000 | 7,613 |
| Premises and equipment expense | $246,000 | 6,015 |
| Additional noninterest expense | $484,000 | 6,547 |
| Pre-tax net operating income | $333,000 | 8,211 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $129,000 | 7,122 |
| Income before extraordinary items | $204,000 | 8,591 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $204,000 | 8,590 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 6,135 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $204,000 | 8,517 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,645,000 | 8,194 |
| Total interest expense | $1,502,000 | 7,342 |
| Net interest income | $1,143,000 | 8,827 |
| Provision for loan and lease losses | $78,000 | 5,710 |
| Total noninterest income | $150,000 | 8,575 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $48,000 | 8,475 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $102,000 | 6,733 |
| Total noninterest expense | $1,142,000 | 7,867 |
| Salaries and employee benefits | $531,000 | 8,391 |
| Premises and equipment expense | $176,000 | 7,266 |
| Additional noninterest expense | $435,000 | 7,058 |
| Pre-tax net operating income | $73,000 | 10,164 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $-28,000 | 10,575 |
| Income before extraordinary items | $101,000 | 9,952 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $101,000 | 9,953 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,767 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $101,000 | 9,910 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $865,000 | 10,965 |
| Total interest expense | $463,000 | 10,709 |
| Net interest income | $402,000 | 11,082 |
| Provision for loan and lease losses | $20,000 | 7,945 |
| Total noninterest income | $37,000 | 11,047 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $23,000 | 9,517 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $14,000 | 10,772 |
| Total noninterest expense | $431,000 | 10,865 |
| Salaries and employee benefits | $175,000 | 11,139 |
| Premises and equipment expense | $67,000 | 10,175 |
| Additional noninterest expense | $189,000 | 10,064 |
| Pre-tax net operating income | $-12,000 | 10,827 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $8,000 | 10,393 |
| Income before extraordinary items | $-20,000 | 10,876 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-20,000 | 10,872 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,815 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-20,000 | 10,831 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,980,000 | 9,747 |
| Total interest expense | $1,048,000 | 9,091 |
| Net interest income | $932,000 | 10,151 |
| Provision for loan and lease losses | $50,000 | 6,165 |
| Total noninterest income | $59,000 | 11,185 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $40,000 | 9,531 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,000 | 10,950 |
| Total noninterest expense | $528,000 | 10,897 |
| Salaries and employee benefits | $269,000 | 11,018 |
| Premises and equipment expense | $66,000 | 10,593 |
| Additional noninterest expense | $193,000 | 10,501 |
| Pre-tax net operating income | $413,000 | 8,977 |
| Securities gains (losses) | $97,000 | 975 |
| Applicable income taxes | $104,000 | 9,095 |
| Income before extraordinary items | $406,000 | 8,007 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $406,000 | 8,005 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $328,400 | 8,649 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,888,000 | 10,011 |
| Total interest expense | $884,000 | 9,202 |
| Net interest income | $1,004,000 | 10,373 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $92,000 | 10,935 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $62,000 | 9,281 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $30,000 | 10,793 |
| Total noninterest expense | $558,000 | 11,323 |
| Salaries and employee benefits | $275,000 | 11,429 |
| Premises and equipment expense | $75,000 | 10,805 |
| Additional noninterest expense | $208,000 | 11,044 |
| Pre-tax net operating income | $538,000 | 8,395 |
| Securities gains (losses) | $-270,000 | 12,073 |
| Applicable income taxes | $110,000 | 9,133 |
| Income before extraordinary items | $158,000 | 10,719 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $158,000 | 10,723 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 10,929 |
| Cash dividends | $132,000 | 6,359 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $330,800 | 8,877 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,786,000 | 10,612 |
| Total interest expense | $845,000 | 9,810 |
| Net interest income | $941,000 | 10,992 |
| Provision for loan and lease losses | $120,000 | 5,200 |
| Total noninterest income | $98,000 | 11,377 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $58,000 | 9,765 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $40,000 | 10,664 |
| Total noninterest expense | $500,000 | 12,171 |
| Salaries and employee benefits | $257,000 | 12,106 |
| Premises and equipment expense | $72,000 | 11,428 |
| Additional noninterest expense | $171,000 | 12,145 |
| Pre-tax net operating income | $419,000 | 9,264 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $113,000 | 9,447 |
| Income before extraordinary items | $306,000 | 9,407 |
| Extraordinary gains, net | $71,000 | 1,896 |
| Net income | $377,000 | 8,819 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 4,760 |
| Cash dividends | $190,000 | 5,586 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $306,000 | 9,152 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,916,000 | 11,067 |
| Total interest expense | $1,044,000 | 10,208 |
| Net interest income | $872,000 | 11,625 |
| Provision for loan and lease losses | $98,000 | 7,351 |
| Total noninterest income | $71,000 | 12,535 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $53,000 | 10,193 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 12,735 |
| Total noninterest expense | $526,000 | 12,477 |
| Salaries and employee benefits | $237,000 | 12,746 |
| Premises and equipment expense | $69,000 | 11,913 |
| Additional noninterest expense | $220,000 | 11,961 |
| Pre-tax net operating income | $319,000 | 9,951 |
| Securities gains (losses) | $20,000 | 5,594 |
| Applicable income taxes | $124,000 | 9,259 |
| Income before extraordinary items | $215,000 | 10,395 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $215,000 | 10,530 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 8,345 |
| Cash dividends | $72,000 | 7,205 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $202,200 | 10,229 |
* 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.