Home > Community State Bank > Income and Expense
Community State Bank, Income and Expense
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $153,000 | 6,885 |
| Total interest expense | $30,000 | 6,548 |
| Net interest income | $123,000 | 6,898 |
| Provision for loan and lease losses | $8,000 | 4,080 |
| Total noninterest income | $35,000 | 6,060 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $18,000 | 5,710 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $17,000 | 5,804 |
| Total noninterest expense | $205,000 | 6,674 |
| Salaries and employee benefits | $102,000 | 6,712 |
| Premises and equipment expense | $29,000 | 6,295 |
| Additional noninterest expense | $74,000 | 6,531 |
| Pre-tax net operating income | $-55,000 | 6,547 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $0 | 4,602 |
| Income before extraordinary items | $-55,000 | 6,602 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $-55,000 | 6,603 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $-55,000 | 6,603 |
| Net charge-offs | $-5,000 | 5,894 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $-55,000 | 6,557 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $808,000 | 6,881 |
| Total interest expense | $169,000 | 6,540 |
| Net interest income | $639,000 | 6,903 |
| Provision for loan and lease losses | $87,000 | 4,817 |
| Total noninterest income | $114,000 | 6,207 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $93,000 | 5,543 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $21,000 | 6,247 |
| Total noninterest expense | $1,226,000 | 6,382 |
| Salaries and employee benefits | $406,000 | 6,782 |
| Premises and equipment expense | $129,000 | 6,306 |
| Additional noninterest expense | $691,000 | 5,565 |
| Pre-tax net operating income | $-560,000 | 6,524 |
| Securities gains (losses) | $10,000 | 3,374 |
| Applicable income taxes | $0 | 4,751 |
| Income before extraordinary items | $-550,000 | 6,599 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-550,000 | 6,593 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $-550,000 | 6,595 |
| Net charge-offs | $101,000 | 4,418 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $-560,000 | 6,550 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $629,000 | 6,971 |
| Total interest expense | $133,000 | 6,628 |
| Net interest income | $496,000 | 6,990 |
| Provision for loan and lease losses | $80,000 | 4,589 |
| Total noninterest income | $77,000 | 6,370 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $70,000 | 5,613 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $7,000 | 6,540 |
| Total noninterest expense | $621,000 | 6,818 |
| Salaries and employee benefits | $292,000 | 6,890 |
| Premises and equipment expense | $95,000 | 6,382 |
| Additional noninterest expense | $234,000 | 6,679 |
| Pre-tax net operating income | $-128,000 | 6,461 |
| Securities gains (losses) | $10,000 | 3,111 |
| Applicable income taxes | $0 | 4,802 |
| Income before extraordinary items | $-118,000 | 6,557 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-118,000 | 6,555 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-118,000 | 6,555 |
| Net charge-offs | $101,000 | 3,962 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $-128,000 | 6,474 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $432,000 | 7,021 |
| Total interest expense | $94,000 | 6,671 |
| Net interest income | $338,000 | 7,045 |
| Provision for loan and lease losses | $72,000 | 4,220 |
| Total noninterest income | $38,000 | 6,623 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $46,000 | 5,648 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-8,000 | 6,831 |
| Total noninterest expense | $435,000 | 6,833 |
| Salaries and employee benefits | $206,000 | 6,910 |
| Premises and equipment expense | $64,000 | 6,422 |
| Additional noninterest expense | $165,000 | 6,674 |
| Pre-tax net operating income | $-131,000 | 6,564 |
| Securities gains (losses) | $10,000 | 2,721 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $-121,000 | 6,646 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-121,000 | 6,646 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-121,000 | 6,646 |
| Net charge-offs | $104,000 | 3,367 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $-131,000 | 6,579 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $221,000 | 7,062 |
| Total interest expense | $52,000 | 6,662 |
| Net interest income | $169,000 | 7,099 |
| Provision for loan and lease losses | $47,000 | 3,746 |
| Total noninterest income | $34,000 | 6,241 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $21,000 | 5,749 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $13,000 | 6,065 |
| Total noninterest expense | $220,000 | 6,871 |
| Salaries and employee benefits | $94,000 | 7,029 |
| Premises and equipment expense | $31,000 | 6,472 |
| Additional noninterest expense | $95,000 | 6,564 |
| Pre-tax net operating income | $-64,000 | 6,650 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $-64,000 | 6,743 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-64,000 | 6,745 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-64,000 | 6,745 |
| Net charge-offs | $79,000 | 2,655 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-64,000 | 6,672 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $1,020,000 | 7,070 |
| Total interest expense | $227,000 | 6,814 |
| Net interest income | $793,000 | 7,082 |
| Provision for loan and lease losses | $311,000 | 4,054 |
| Total noninterest income | $115,000 | 6,310 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $90,000 | 5,662 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $25,000 | 6,289 |
| Total noninterest expense | $932,000 | 6,909 |
| Salaries and employee benefits | $404,000 | 7,050 |
| Premises and equipment expense | $138,000 | 6,515 |
| Additional noninterest expense | $390,000 | 6,576 |
| Pre-tax net operating income | $-335,000 | 6,319 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $-335,000 | 6,402 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-335,000 | 6,404 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-335,000 | 6,403 |
| Net charge-offs | $347,000 | 3,631 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-335,000 | 6,357 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $781,000 | 7,134 |
| Total interest expense | $171,000 | 6,904 |
| Net interest income | $610,000 | 7,137 |
| Provision for loan and lease losses | $296,000 | 3,642 |
| Total noninterest income | $96,000 | 6,302 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $66,000 | 5,704 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $30,000 | 6,169 |
| Total noninterest expense | $712,000 | 6,929 |
| Salaries and employee benefits | $295,000 | 7,110 |
| Premises and equipment expense | $103,000 | 6,572 |
| Additional noninterest expense | $314,000 | 6,544 |
| Pre-tax net operating income | $-302,000 | 6,473 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $-302,000 | 6,576 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-302,000 | 6,577 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-302,000 | 6,577 |
| Net charge-offs | $347,000 | 3,085 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-302,000 | 6,526 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $540,000 | 7,175 |
| Total interest expense | $114,000 | 6,995 |
| Net interest income | $426,000 | 7,173 |
| Provision for loan and lease losses | $30,000 | 5,425 |
| Total noninterest income | $53,000 | 6,517 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $38,000 | 5,893 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $15,000 | 6,410 |
| Total noninterest expense | $428,000 | 7,092 |
| Salaries and employee benefits | $199,000 | 7,169 |
| Premises and equipment expense | $68,000 | 6,618 |
| Additional noninterest expense | $161,000 | 6,914 |
| Pre-tax net operating income | $21,000 | 6,092 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $21,000 | 6,185 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $21,000 | 6,184 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $21,000 | 6,185 |
| Net charge-offs | $53,000 | 4,400 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $21,000 | 6,107 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $279,000 | 7,208 |
| Total interest expense | $59,000 | 7,046 |
| Net interest income | $220,000 | 7,194 |
| Provision for loan and lease losses | $15,000 | 5,117 |
| Total noninterest income | $19,000 | 6,841 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $15,000 | 6,157 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $4,000 | 6,784 |
| Total noninterest expense | $218,000 | 7,130 |
| Salaries and employee benefits | $100,000 | 7,215 |
| Premises and equipment expense | $34,000 | 6,663 |
| Additional noninterest expense | $84,000 | 6,923 |
| Pre-tax net operating income | $6,000 | 6,261 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $6,000 | 6,304 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $6,000 | 6,303 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $6,000 | 6,304 |
| Net charge-offs | $-1,000 | 6,209 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $6,000 | 6,267 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $1,263,000 | 7,210 |
| Total interest expense | $279,000 | 7,123 |
| Net interest income | $984,000 | 7,183 |
| Provision for loan and lease losses | $201,000 | 5,326 |
| Total noninterest income | $124,000 | 6,489 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $76,000 | 5,835 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $48,000 | 6,139 |
| Total noninterest expense | $1,056,000 | 7,013 |
| Salaries and employee benefits | $431,000 | 7,261 |
| Premises and equipment expense | $143,000 | 6,690 |
| Additional noninterest expense | $482,000 | 6,575 |
| Pre-tax net operating income | $-149,000 | 5,990 |
| Securities gains (losses) | $19,000 | 3,127 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $-130,000 | 6,114 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-130,000 | 6,113 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-130,000 | 6,114 |
| Net charge-offs | $163,000 | 4,968 |
| Cash dividends | $17,000 | 4,121 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-149,000 | 6,054 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $973,000 | 7,295 |
| Total interest expense | $215,000 | 7,235 |
| Net interest income | $758,000 | 7,262 |
| Provision for loan and lease losses | $183,000 | 4,989 |
| Total noninterest income | $96,000 | 6,581 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $59,000 | 5,877 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $37,000 | 6,263 |
| Total noninterest expense | $771,000 | 7,115 |
| Salaries and employee benefits | $320,000 | 7,348 |
| Premises and equipment expense | $105,000 | 6,791 |
| Additional noninterest expense | $346,000 | 6,678 |
| Pre-tax net operating income | $-100,000 | 6,158 |
| Securities gains (losses) | $4,000 | 3,332 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-96,000 | 6,302 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-96,000 | 6,302 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-96,000 | 6,302 |
| Net charge-offs | $46,000 | 5,552 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-100,000 | 6,206 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $663,000 | 7,343 |
| Total interest expense | $151,000 | 7,272 |
| Net interest income | $512,000 | 7,301 |
| Provision for loan and lease losses | $210,000 | 4,142 |
| Total noninterest income | $77,000 | 6,411 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $40,000 | 5,874 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $37,000 | 5,932 |
| Total noninterest expense | $510,000 | 7,180 |
| Salaries and employee benefits | $224,000 | 7,370 |
| Premises and equipment expense | $70,000 | 6,839 |
| Additional noninterest expense | $216,000 | 6,816 |
| Pre-tax net operating income | $-131,000 | 6,336 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-131,000 | 6,463 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-131,000 | 6,465 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-131,000 | 6,463 |
| Net charge-offs | $37,000 | 5,126 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-131,000 | 6,403 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $337,000 | 7,427 |
| Total interest expense | $80,000 | 7,332 |
| Net interest income | $257,000 | 7,386 |
| Provision for loan and lease losses | $188,000 | 3,087 |
| Total noninterest income | $35,000 | 6,568 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $21,000 | 5,847 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $14,000 | 6,333 |
| Total noninterest expense | $254,000 | 7,273 |
| Salaries and employee benefits | $111,000 | 7,471 |
| Premises and equipment expense | $37,000 | 6,851 |
| Additional noninterest expense | $106,000 | 6,916 |
| Pre-tax net operating income | $-150,000 | 6,755 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-150,000 | 6,856 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-150,000 | 6,857 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-150,000 | 6,856 |
| Net charge-offs | $32,000 | 4,097 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-150,000 | 6,813 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $1,405,000 | 7,472 |
| Total interest expense | $428,000 | 7,290 |
| Net interest income | $977,000 | 7,463 |
| Provision for loan and lease losses | $115,000 | 6,308 |
| Total noninterest income | $296,000 | 5,635 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $102,000 | 5,725 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $194,000 | 4,691 |
| Total noninterest expense | $1,051,000 | 7,318 |
| Salaries and employee benefits | $527,000 | 7,378 |
| Premises and equipment expense | $147,000 | 6,966 |
| Additional noninterest expense | $377,000 | 7,163 |
| Pre-tax net operating income | $107,000 | 5,069 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $107,000 | 5,129 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $107,000 | 5,129 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $107,000 | 5,129 |
| Net charge-offs | $230,000 | 4,826 |
| Cash dividends | $47,000 | 4,428 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $107,000 | 5,068 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $1,058,000 | 7,563 |
| Total interest expense | $337,000 | 7,345 |
| Net interest income | $721,000 | 7,548 |
| Provision for loan and lease losses | $35,000 | 6,735 |
| Total noninterest income | $145,000 | 6,387 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $76,000 | 5,778 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $69,000 | 5,874 |
| Total noninterest expense | $740,000 | 7,439 |
| Salaries and employee benefits | $391,000 | 7,433 |
| Premises and equipment expense | $112,000 | 6,998 |
| Additional noninterest expense | $237,000 | 7,410 |
| Pre-tax net operating income | $91,000 | 5,325 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $91,000 | 5,353 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $91,000 | 5,352 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $91,000 | 5,352 |
| Net charge-offs | $180,000 | 4,369 |
| Cash dividends | $36,000 | 3,980 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $91,000 | 5,293 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $717,000 | 7,621 |
| Total interest expense | $233,000 | 7,412 |
| Net interest income | $484,000 | 7,594 |
| Provision for loan and lease losses | $20,000 | 6,682 |
| Total noninterest income | $95,000 | 6,454 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $49,000 | 5,826 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $46,000 | 5,941 |
| Total noninterest expense | $475,000 | 7,556 |
| Salaries and employee benefits | $252,000 | 7,549 |
| Premises and equipment expense | $77,000 | 7,004 |
| Additional noninterest expense | $146,000 | 7,554 |
| Pre-tax net operating income | $84,000 | 5,324 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $84,000 | 5,325 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $84,000 | 5,321 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $84,000 | 5,321 |
| Net charge-offs | $180,000 | 3,560 |
| Cash dividends | $36,000 | 3,749 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $84,000 | 5,235 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $365,000 | 7,660 |
| Total interest expense | $121,000 | 7,457 |
| Net interest income | $244,000 | 7,620 |
| Provision for loan and lease losses | $9,000 | 6,357 |
| Total noninterest income | $49,000 | 6,415 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $26,000 | 5,712 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $23,000 | 6,000 |
| Total noninterest expense | $239,000 | 7,578 |
| Salaries and employee benefits | $127,000 | 7,596 |
| Premises and equipment expense | $38,000 | 7,069 |
| Additional noninterest expense | $74,000 | 7,467 |
| Pre-tax net operating income | $45,000 | 5,702 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $45,000 | 5,766 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $45,000 | 5,769 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $45,000 | 5,769 |
| Net charge-offs | $5,000 | 5,094 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $45,000 | 5,600 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $1,537,000 | 7,658 |
| Total interest expense | $628,000 | 7,455 |
| Net interest income | $909,000 | 7,701 |
| Provision for loan and lease losses | $77,000 | 6,264 |
| Total noninterest income | $179,000 | 6,642 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $95,000 | 5,963 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $84,000 | 6,159 |
| Total noninterest expense | $885,000 | 7,691 |
| Salaries and employee benefits | $513,000 | 7,634 |
| Premises and equipment expense | $150,000 | 7,144 |
| Additional noninterest expense | $222,000 | 7,788 |
| Pre-tax net operating income | $126,000 | 5,949 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $1,000 | 4,863 |
| Income before extraordinary items | $125,000 | 5,769 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $125,000 | 5,770 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,543 |
| Cash dividends | $111,000 | 4,900 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $125,000 | 5,921 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $1,174,000 | 7,715 |
| Total interest expense | $491,000 | 7,520 |
| Net interest income | $683,000 | 7,766 |
| Provision for loan and lease losses | $12,000 | 6,700 |
| Total noninterest income | $139,000 | 6,702 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $68,000 | 6,072 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $71,000 | 6,119 |
| Total noninterest expense | $651,000 | 7,748 |
| Salaries and employee benefits | $368,000 | 7,712 |
| Premises and equipment expense | $113,000 | 7,197 |
| Additional noninterest expense | $170,000 | 7,804 |
| Pre-tax net operating income | $159,000 | 6,198 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $1,000 | 5,240 |
| Income before extraordinary items | $158,000 | 5,902 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $158,000 | 5,900 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,807 |
| Cash dividends | $84,000 | 4,508 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $158,000 | 6,074 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $791,000 | 7,779 |
| Total interest expense | $338,000 | 7,596 |
| Net interest income | $453,000 | 7,810 |
| Provision for loan and lease losses | $3,000 | 6,580 |
| Total noninterest income | $96,000 | 6,723 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $47,000 | 6,035 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $49,000 | 6,161 |
| Total noninterest expense | $421,000 | 7,840 |
| Salaries and employee benefits | $228,000 | 7,867 |
| Premises and equipment expense | $77,000 | 7,206 |
| Additional noninterest expense | $116,000 | 7,827 |
| Pre-tax net operating income | $125,000 | 6,266 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $1,000 | 5,487 |
| Income before extraordinary items | $124,000 | 6,171 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $124,000 | 6,171 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,516 |
| Cash dividends | $62,000 | 4,375 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $124,000 | 6,105 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $406,000 | 7,828 |
| Total interest expense | $175,000 | 7,652 |
| Net interest income | $231,000 | 7,837 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $45,000 | 6,809 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $25,000 | 5,933 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $20,000 | 6,458 |
| Total noninterest expense | $210,000 | 7,882 |
| Salaries and employee benefits | $114,000 | 7,907 |
| Premises and equipment expense | $36,000 | 7,313 |
| Additional noninterest expense | $60,000 | 7,803 |
| Pre-tax net operating income | $66,000 | 6,400 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $66,000 | 6,327 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $66,000 | 6,328 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,249 |
| Cash dividends | $17,000 | 3,613 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $66,000 | 6,236 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $1,749,000 | 7,738 |
| Total interest expense | $725,000 | 7,607 |
| Net interest income | $1,024,000 | 7,713 |
| Provision for loan and lease losses | $25,000 | 6,187 |
| Total noninterest income | $165,000 | 7,000 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $89,000 | 6,181 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $76,000 | 6,595 |
| Total noninterest expense | $929,000 | 7,747 |
| Salaries and employee benefits | $536,000 | 7,705 |
| Premises and equipment expense | $156,000 | 7,182 |
| Additional noninterest expense | $237,000 | 7,844 |
| Pre-tax net operating income | $235,000 | 6,778 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $5,000 | 5,774 |
| Income before extraordinary items | $230,000 | 6,686 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $230,000 | 6,685 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,625 |
| Cash dividends | $249,000 | 4,679 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $230,000 | 6,663 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,315,000 | 7,775 |
| Total interest expense | $542,000 | 7,658 |
| Net interest income | $773,000 | 7,760 |
| Provision for loan and lease losses | $25,000 | 5,669 |
| Total noninterest income | $123,000 | 7,050 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $65,000 | 6,237 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $58,000 | 6,594 |
| Total noninterest expense | $702,000 | 7,727 |
| Salaries and employee benefits | $404,000 | 7,682 |
| Premises and equipment expense | $118,000 | 7,158 |
| Additional noninterest expense | $180,000 | 7,805 |
| Pre-tax net operating income | $169,000 | 7,077 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $3,000 | 5,991 |
| Income before extraordinary items | $166,000 | 6,973 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $166,000 | 6,971 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $74,000 | 4,829 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $166,000 | 6,955 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $872,000 | 7,828 |
| Total interest expense | $359,000 | 7,696 |
| Net interest income | $513,000 | 7,827 |
| Provision for loan and lease losses | $21,000 | 5,289 |
| Total noninterest income | $95,000 | 6,911 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $42,000 | 6,312 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $53,000 | 6,185 |
| Total noninterest expense | $464,000 | 7,786 |
| Salaries and employee benefits | $264,000 | 7,763 |
| Premises and equipment expense | $80,000 | 7,161 |
| Additional noninterest expense | $120,000 | 7,843 |
| Pre-tax net operating income | $123,000 | 7,124 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $123,000 | 6,951 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $123,000 | 6,951 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $63,000 | 4,601 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $123,000 | 6,939 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $433,000 | 7,880 |
| Total interest expense | $176,000 | 7,743 |
| Net interest income | $257,000 | 7,868 |
| Provision for loan and lease losses | $12,000 | 4,908 |
| Total noninterest income | $43,000 | 7,029 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $21,000 | 6,298 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $22,000 | 6,474 |
| Total noninterest expense | $233,000 | 7,814 |
| Salaries and employee benefits | $137,000 | 7,762 |
| Premises and equipment expense | $38,000 | 7,268 |
| Additional noninterest expense | $58,000 | 7,916 |
| Pre-tax net operating income | $55,000 | 7,218 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $55,000 | 7,082 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $55,000 | 7,081 |
| 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 | $55,000 | 7,065 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,682,000 | 7,786 |
| Total interest expense | $613,000 | 7,680 |
| Net interest income | $1,069,000 | 7,741 |
| Provision for loan and lease losses | $40,000 | 5,799 |
| Total noninterest income | $178,000 | 7,099 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $78,000 | 6,470 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $100,000 | 6,329 |
| Total noninterest expense | $900,000 | 7,863 |
| Salaries and employee benefits | $499,000 | 7,875 |
| Premises and equipment expense | $150,000 | 7,258 |
| Additional noninterest expense | $251,000 | 7,846 |
| Pre-tax net operating income | $307,000 | 7,096 |
| Securities gains (losses) | $-2,000 | 6,862 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $305,000 | 6,892 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $305,000 | 6,893 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 5,380 |
| Cash dividends | $399,000 | 4,112 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $307,000 | 6,886 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,235,000 | 7,867 |
| Total interest expense | $443,000 | 7,752 |
| Net interest income | $792,000 | 7,843 |
| Provision for loan and lease losses | $27,000 | 5,738 |
| Total noninterest income | $128,000 | 7,200 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $57,000 | 6,566 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $71,000 | 6,401 |
| Total noninterest expense | $678,000 | 7,867 |
| Salaries and employee benefits | $399,000 | 7,779 |
| Premises and equipment expense | $112,000 | 7,282 |
| Additional noninterest expense | $167,000 | 8,024 |
| Pre-tax net operating income | $215,000 | 7,363 |
| Securities gains (losses) | $-2,000 | 7,192 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $213,000 | 7,156 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $213,000 | 7,160 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,107 |
| Cash dividends | $189,000 | 4,235 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $215,000 | 7,140 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $817,000 | 7,901 |
| Total interest expense | $284,000 | 7,774 |
| Net interest income | $533,000 | 7,871 |
| Provision for loan and lease losses | $17,000 | 5,691 |
| Total noninterest income | $77,000 | 7,373 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $35,000 | 6,693 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $42,000 | 6,634 |
| Total noninterest expense | $449,000 | 7,906 |
| Salaries and employee benefits | $261,000 | 7,845 |
| Premises and equipment expense | $75,000 | 7,303 |
| Additional noninterest expense | $113,000 | 8,019 |
| Pre-tax net operating income | $144,000 | 7,419 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $144,000 | 7,202 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $144,000 | 7,203 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 4,339 |
| Cash dividends | $55,000 | 4,741 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $144,000 | 7,216 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $409,000 | 7,901 |
| Total interest expense | $140,000 | 7,762 |
| Net interest income | $269,000 | 7,884 |
| Provision for loan and lease losses | $8,000 | 5,456 |
| Total noninterest income | $36,000 | 7,439 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $18,000 | 6,650 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $18,000 | 6,859 |
| Total noninterest expense | $232,000 | 7,864 |
| Salaries and employee benefits | $138,000 | 7,782 |
| Premises and equipment expense | $35,000 | 7,427 |
| Additional noninterest expense | $59,000 | 7,967 |
| Pre-tax net operating income | $65,000 | 7,504 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $65,000 | 7,277 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $65,000 | 7,276 |
| 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 | $0 | 648 |
| Net operating income | $65,000 | 7,280 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,522,000 | 7,881 |
| Total interest expense | $500,000 | 7,622 |
| Net interest income | $1,022,000 | 7,903 |
| Provision for loan and lease losses | $28,000 | 6,283 |
| Total noninterest income | $187,000 | 7,169 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $90,000 | 6,427 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $97,000 | 6,449 |
| Total noninterest expense | $906,000 | 7,905 |
| Salaries and employee benefits | $517,000 | 7,837 |
| Premises and equipment expense | $135,000 | 7,461 |
| Additional noninterest expense | $254,000 | 7,899 |
| Pre-tax net operating income | $275,000 | 7,483 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $275,000 | 7,282 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $275,000 | 7,287 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 5,230 |
| Cash dividends | $213,000 | 4,824 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $275,000 | 7,265 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,127,000 | 7,909 |
| Total interest expense | $365,000 | 7,623 |
| Net interest income | $762,000 | 7,961 |
| Provision for loan and lease losses | $20,000 | 6,139 |
| Total noninterest income | $143,000 | 7,156 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $65,000 | 6,511 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $78,000 | 6,360 |
| Total noninterest expense | $688,000 | 7,870 |
| Salaries and employee benefits | $390,000 | 7,817 |
| Premises and equipment expense | $96,000 | 7,530 |
| Additional noninterest expense | $202,000 | 7,814 |
| Pre-tax net operating income | $197,000 | 7,642 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $197,000 | 7,463 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $197,000 | 7,464 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 4,898 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $197,000 | 7,436 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $741,000 | 7,933 |
| Total interest expense | $239,000 | 7,589 |
| Net interest income | $502,000 | 7,986 |
| Provision for loan and lease losses | $12,000 | 5,987 |
| Total noninterest income | $88,000 | 7,260 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $42,000 | 6,539 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $46,000 | 6,538 |
| Total noninterest expense | $466,000 | 7,861 |
| Salaries and employee benefits | $253,000 | 7,874 |
| Premises and equipment expense | $68,000 | 7,447 |
| Additional noninterest expense | $145,000 | 7,694 |
| Pre-tax net operating income | $112,000 | 7,788 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $112,000 | 7,659 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $112,000 | 7,659 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 4,782 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $112,000 | 7,613 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $367,000 | 8,000 |
| Total interest expense | $118,000 | 7,591 |
| Net interest income | $249,000 | 8,073 |
| Provision for loan and lease losses | $5,000 | 5,826 |
| Total noninterest income | $44,000 | 7,259 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $21,000 | 6,536 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $23,000 | 6,629 |
| Total noninterest expense | $259,000 | 7,739 |
| Salaries and employee benefits | $136,000 | 7,817 |
| Premises and equipment expense | $32,000 | 7,605 |
| Additional noninterest expense | $91,000 | 7,336 |
| Pre-tax net operating income | $29,000 | 8,153 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $29,000 | 8,102 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $29,000 | 8,102 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 3,295 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $29,000 | 8,074 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,162,000 | 8,250 |
| Total interest expense | $406,000 | 7,664 |
| Net interest income | $756,000 | 8,365 |
| Provision for loan and lease losses | $20,000 | 6,718 |
| Total noninterest income | $190,000 | 7,233 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $60,000 | 7,117 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $130,000 | 5,966 |
| Total noninterest expense | $674,000 | 8,365 |
| Salaries and employee benefits | $371,000 | 8,390 |
| Premises and equipment expense | $97,000 | 8,004 |
| Additional noninterest expense | $206,000 | 8,273 |
| Pre-tax net operating income | $252,000 | 7,601 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $92,000 | 5,595 |
| Income before extraordinary items | $160,000 | 7,835 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $160,000 | 7,834 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 5,762 |
| Cash dividends | $87,000 | 5,600 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $160,000 | 7,793 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $861,000 | 8,308 |
| Total interest expense | $311,000 | 7,645 |
| Net interest income | $550,000 | 8,434 |
| Provision for loan and lease losses | $15,000 | 6,527 |
| Total noninterest income | $143,000 | 7,277 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $44,000 | 7,182 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $99,000 | 5,932 |
| Total noninterest expense | $489,000 | 8,418 |
| Salaries and employee benefits | $277,000 | 8,391 |
| Premises and equipment expense | $73,000 | 7,993 |
| Additional noninterest expense | $139,000 | 8,396 |
| Pre-tax net operating income | $189,000 | 7,750 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $66,000 | 5,756 |
| Income before extraordinary items | $123,000 | 7,952 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $123,000 | 7,955 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 5,003 |
| Cash dividends | $38,000 | 5,097 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $123,000 | 7,901 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $569,000 | 8,367 |
| Total interest expense | $231,000 | 7,546 |
| Net interest income | $338,000 | 8,562 |
| Provision for loan and lease losses | $9,000 | 6,446 |
| Total noninterest income | $103,000 | 7,176 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $27,000 | 7,303 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $76,000 | 5,692 |
| Total noninterest expense | $322,000 | 8,483 |
| Salaries and employee benefits | $181,000 | 8,475 |
| Premises and equipment expense | $49,000 | 8,015 |
| Additional noninterest expense | $92,000 | 8,434 |
| Pre-tax net operating income | $110,000 | 7,850 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $26,000 | 6,137 |
| Income before extraordinary items | $84,000 | 7,935 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $84,000 | 7,937 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 4,323 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $84,000 | 7,875 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $274,000 | 8,461 |
| Total interest expense | $117,000 | 7,585 |
| Net interest income | $157,000 | 8,659 |
| Provision for loan and lease losses | $5,000 | 6,071 |
| Total noninterest income | $38,000 | 7,671 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $12,000 | 7,382 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $26,000 | 6,361 |
| Total noninterest expense | $166,000 | 8,499 |
| Salaries and employee benefits | $98,000 | 8,410 |
| Premises and equipment expense | $23,000 | 8,105 |
| Additional noninterest expense | $45,000 | 8,517 |
| Pre-tax net operating income | $24,000 | 8,267 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $24,000 | 8,256 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $24,000 | 8,257 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 3,075 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $24,000 | 8,188 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,240,000 | 8,351 |
| Total interest expense | $490,000 | 7,773 |
| Net interest income | $750,000 | 8,486 |
| Provision for loan and lease losses | $21,000 | 7,041 |
| Total noninterest income | $161,000 | 7,708 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $61,000 | 7,249 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $100,000 | 6,539 |
| Total noninterest expense | $649,000 | 8,554 |
| Salaries and employee benefits | $379,000 | 8,496 |
| Premises and equipment expense | $92,000 | 8,167 |
| Additional noninterest expense | $178,000 | 8,586 |
| Pre-tax net operating income | $241,000 | 7,671 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $39,000 | 6,450 |
| Income before extraordinary items | $202,000 | 7,756 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $202,000 | 7,758 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,204 |
| Cash dividends | $50,000 | 5,907 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $202,000 | 7,623 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $934,000 | 8,439 |
| Total interest expense | $439,000 | 7,589 |
| Net interest income | $495,000 | 8,683 |
| Provision for loan and lease losses | $16,000 | 6,921 |
| Total noninterest income | $114,000 | 7,843 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $46,000 | 7,311 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $68,000 | 6,750 |
| Total noninterest expense | $488,000 | 8,566 |
| Salaries and employee benefits | $282,000 | 8,501 |
| Premises and equipment expense | $69,000 | 8,186 |
| Additional noninterest expense | $137,000 | 8,563 |
| Pre-tax net operating income | $105,000 | 8,198 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $9,000 | 7,107 |
| Income before extraordinary items | $96,000 | 8,244 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $96,000 | 8,246 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,699 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $96,000 | 8,116 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $641,000 | 8,456 |
| Total interest expense | $301,000 | 7,658 |
| Net interest income | $340,000 | 8,693 |
| Provision for loan and lease losses | $11,000 | 6,777 |
| Total noninterest income | $80,000 | 7,768 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $31,000 | 7,289 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $49,000 | 6,605 |
| Total noninterest expense | $330,000 | 8,568 |
| Salaries and employee benefits | $194,000 | 8,499 |
| Premises and equipment expense | $46,000 | 8,198 |
| Additional noninterest expense | $90,000 | 8,589 |
| Pre-tax net operating income | $79,000 | 8,170 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $7,000 | 7,084 |
| Income before extraordinary items | $72,000 | 8,210 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $72,000 | 8,212 |
| 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 | $72,000 | 8,061 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $337,000 | 8,443 |
| Total interest expense | $150,000 | 7,759 |
| Net interest income | $187,000 | 8,649 |
| Provision for loan and lease losses | $6,000 | 6,408 |
| Total noninterest income | $40,000 | 7,748 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $14,000 | 7,374 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $26,000 | 6,499 |
| Total noninterest expense | $167,000 | 8,584 |
| Salaries and employee benefits | $91,000 | 8,622 |
| Premises and equipment expense | $22,000 | 8,271 |
| Additional noninterest expense | $54,000 | 8,376 |
| Pre-tax net operating income | $54,000 | 7,928 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $3,000 | 7,063 |
| Income before extraordinary items | $51,000 | 7,870 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $51,000 | 7,869 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,386 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $51,000 | 7,718 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,425,000 | 8,473 |
| Total interest expense | $632,000 | 7,999 |
| Net interest income | $793,000 | 8,599 |
| Provision for loan and lease losses | $17,000 | 7,610 |
| Total noninterest income | $173,000 | 7,581 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $66,000 | 7,219 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $107,000 | 6,305 |
| Total noninterest expense | $658,000 | 8,636 |
| Salaries and employee benefits | $366,000 | 8,630 |
| Premises and equipment expense | $93,000 | 8,267 |
| Additional noninterest expense | $199,000 | 8,563 |
| Pre-tax net operating income | $291,000 | 7,578 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $58,000 | 6,427 |
| Income before extraordinary items | $233,000 | 7,662 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $233,000 | 7,661 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 6,916 |
| Cash dividends | $50,000 | 5,952 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $233,000 | 7,570 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,579,000 | 8,662 |
| Total interest expense | $984,000 | 8,054 |
| Net interest income | $595,000 | 9,043 |
| Provision for loan and lease losses | $12,000 | 7,834 |
| Total noninterest income | $143,000 | 7,935 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $43,000 | 7,739 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $100,000 | 6,441 |
| Total noninterest expense | $566,000 | 9,022 |
| Salaries and employee benefits | $343,000 | 8,880 |
| Premises and equipment expense | $86,000 | 8,531 |
| Additional noninterest expense | $137,000 | 9,148 |
| Pre-tax net operating income | $160,000 | 8,064 |
| Securities gains (losses) | $13,000 | 3,437 |
| Applicable income taxes | $25,000 | 7,184 |
| Income before extraordinary items | $148,000 | 8,043 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $148,000 | 8,045 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 6,729 |
| Cash dividends | $16,000 | 6,469 |
| Sale, conversion, retirement of capital stock, net | $-185,000 | 9,515 |
| Net operating income | $136,820 | 8,004 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,445,000 | 9,011 |
| Total interest expense | $913,000 | 8,417 |
| Net interest income | $532,000 | 9,407 |
| Provision for loan and lease losses | $12,000 | 7,853 |
| Total noninterest income | $143,000 | 7,990 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $50,000 | 7,624 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $93,000 | 6,597 |
| Total noninterest expense | $571,000 | 9,190 |
| Salaries and employee benefits | $359,000 | 8,953 |
| Premises and equipment expense | $85,000 | 8,701 |
| Additional noninterest expense | $127,000 | 9,437 |
| Pre-tax net operating income | $92,000 | 8,822 |
| Securities gains (losses) | $2,000 | 1,609 |
| Applicable income taxes | $-12,000 | 9,336 |
| Income before extraordinary items | $106,000 | 8,668 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $106,000 | 8,667 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,352 |
| Cash dividends | $102,000 | 5,897 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $104,000 | 8,672 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,396,000 | 9,203 |
| Total interest expense | $834,000 | 8,607 |
| Net interest income | $562,000 | 9,576 |
| Provision for loan and lease losses | $5,000 | 8,322 |
| Total noninterest income | $158,000 | 8,006 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $47,000 | 7,913 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $111,000 | 6,379 |
| Total noninterest expense | $656,000 | 9,156 |
| Salaries and employee benefits | $374,000 | 9,036 |
| Premises and equipment expense | $88,000 | 8,858 |
| Additional noninterest expense | $194,000 | 9,088 |
| Pre-tax net operating income | $59,000 | 9,211 |
| Securities gains (losses) | $8,000 | 1,870 |
| Applicable income taxes | $7,000 | 8,560 |
| Income before extraordinary items | $60,000 | 9,195 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $60,000 | 9,192 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 5,270 |
| Cash dividends | $50,000 | 6,588 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $52,800 | 9,203 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,554,000 | 9,218 |
| Total interest expense | $878,000 | 8,742 |
| Net interest income | $676,000 | 9,548 |
| Provision for loan and lease losses | $32,000 | 7,261 |
| Total noninterest income | $169,000 | 7,970 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $62,000 | 7,728 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $107,000 | 6,480 |
| Total noninterest expense | $560,000 | 9,583 |
| Salaries and employee benefits | $330,000 | 9,423 |
| Premises and equipment expense | $83,000 | 9,091 |
| Additional noninterest expense | $147,000 | 9,685 |
| Pre-tax net operating income | $253,000 | 8,649 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $31,000 | 8,681 |
| Income before extraordinary items | $222,000 | 8,464 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $222,000 | 8,463 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,524 |
| Cash dividends | $50,000 | 6,861 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $222,000 | 8,384 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,573,000 | 9,584 |
| Total interest expense | $847,000 | 9,120 |
| Net interest income | $726,000 | 9,869 |
| Provision for loan and lease losses | $17,000 | 8,044 |
| Total noninterest income | $162,000 | 8,402 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $68,000 | 7,935 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $94,000 | 6,947 |
| Total noninterest expense | $586,000 | 9,808 |
| Salaries and employee benefits | $314,000 | 9,852 |
| Premises and equipment expense | $102,000 | 8,911 |
| Additional noninterest expense | $170,000 | 9,774 |
| Pre-tax net operating income | $285,000 | 9,078 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $64,000 | 9,013 |
| Income before extraordinary items | $221,000 | 8,977 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $221,000 | 8,981 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 4,367 |
| Cash dividends | $45,000 | 7,291 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $221,000 | 8,948 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,568,000 | 10,015 |
| Total interest expense | $923,000 | 9,258 |
| Net interest income | $645,000 | 10,528 |
| Provision for loan and lease losses | $5,000 | 8,822 |
| Total noninterest income | $141,000 | 9,154 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $60,000 | 8,549 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $81,000 | 7,707 |
| Total noninterest expense | $523,000 | 10,487 |
| Salaries and employee benefits | $290,000 | 10,431 |
| Premises and equipment expense | $71,000 | 10,045 |
| Additional noninterest expense | $162,000 | 10,409 |
| Pre-tax net operating income | $258,000 | 9,427 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $88,000 | 8,964 |
| Income before extraordinary items | $170,000 | 9,600 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $170,000 | 9,601 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,441 |
| Cash dividends | $185,000 | 5,630 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $170,000 | 9,539 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,441,000 | 10,627 |
| Total interest expense | $834,000 | 9,840 |
| Net interest income | $607,000 | 11,100 |
| Provision for loan and lease losses | $16,000 | 7,905 |
| Total noninterest income | $117,000 | 9,914 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $47,000 | 9,337 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $70,000 | 8,356 |
| Total noninterest expense | $504,000 | 11,004 |
| Salaries and employee benefits | $299,000 | 10,756 |
| Premises and equipment expense | $68,000 | 10,529 |
| Additional noninterest expense | $137,000 | 11,219 |
| Pre-tax net operating income | $204,000 | 10,439 |
| Securities gains (losses) | $-1,000 | 9,017 |
| Applicable income taxes | $41,000 | 10,357 |
| Income before extraordinary items | $162,000 | 10,346 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $162,000 | 10,349 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 6,295 |
| Cash dividends | $45,000 | 7,893 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $162,800 | 10,320 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,261,000 | 11,221 |
| Total interest expense | $590,000 | 10,645 |
| Net interest income | $671,000 | 11,483 |
| Provision for loan and lease losses | $68,000 | 5,388 |
| Total noninterest income | $110,000 | 10,520 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $43,000 | 9,936 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $67,000 | 8,779 |
| Total noninterest expense | $507,000 | 11,585 |
| Salaries and employee benefits | $308,000 | 11,133 |
| Premises and equipment expense | $51,000 | 11,600 |
| Additional noninterest expense | $148,000 | 11,811 |
| Pre-tax net operating income | $206,000 | 10,847 |
| Securities gains (losses) | $-12,000 | 9,966 |
| Applicable income taxes | $46,000 | 10,566 |
| Income before extraordinary items | $148,000 | 10,845 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $148,000 | 10,850 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 11,066 |
| Cash dividends | $45,000 | 8,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $157,120 | 10,776 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,225,000 | 11,835 |
| Total interest expense | $588,000 | 11,208 |
| Net interest income | $637,000 | 12,085 |
| Provision for loan and lease losses | $60,000 | 6,949 |
| Total noninterest income | $95,000 | 11,441 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $38,000 | 10,477 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $57,000 | 9,699 |
| Total noninterest expense | $441,000 | 12,465 |
| Salaries and employee benefits | $278,000 | 11,898 |
| Premises and equipment expense | $37,000 | 12,642 |
| Additional noninterest expense | $126,000 | 12,703 |
| Pre-tax net operating income | $231,000 | 10,779 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $56,000 | 10,800 |
| Income before extraordinary items | $175,000 | 10,928 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $175,000 | 11,024 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 8,555 |
| Cash dividends | $45,000 | 8,091 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $175,000 | 10,727 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,103,000 | 12,830 |
| Total interest expense | $617,000 | 12,217 |
| Net interest income | $486,000 | 13,122 |
| Provision for loan and lease losses | $13,000 | 10,972 |
| Total noninterest income | $76,000 | 12,392 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $32,000 | 11,008 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $44,000 | 10,778 |
| Total noninterest expense | $366,000 | 13,325 |
| Salaries and employee benefits | $219,000 | 12,944 |
| Premises and equipment expense | $37,000 | 13,172 |
| Additional noninterest expense | $110,000 | 13,433 |
| Pre-tax net operating income | $183,000 | 11,235 |
| Securities gains (losses) | $26,000 | 5,197 |
| Applicable income taxes | $49,000 | 11,284 |
| Income before extraordinary items | $160,000 | 11,128 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $160,000 | 11,217 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 9,962 |
| Cash dividends | $45,000 | 7,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $139,980 | 11,089 |
* 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.