Home > Fidelity Savings Bank > Income and Expense
Fidelity Savings Bank, Income and Expense
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $17,341,000 | 1,170 |
| Total interest expense | $6,763,000 | 488 |
| Net interest income | $10,578,000 | 1,575 |
| Provision for loan and lease losses | $1,225,000 | 1,242 |
| Total noninterest income | $3,319,000 | 1,249 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $842,000 | 1,274 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $2,477,000 | 1,077 |
| Total noninterest expense | $12,099,000 | 1,241 |
| Salaries and employee benefits | $6,615,000 | 1,193 |
| Premises and equipment expense | $1,360,000 | 1,323 |
| Additional noninterest expense | $4,124,000 | 1,235 |
| Pre-tax net operating income | $573,000 | 4,531 |
| Securities gains (losses) | $102,000 | 1,966 |
| Applicable income taxes | $-68,000 | 6,879 |
| Income before extraordinary items | $743,000 | 3,987 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $743,000 | 3,987 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $743,000 | 3,989 |
| Net charge-offs | $1,472,000 | 1,129 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $641,000 | 4,072 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $11,776,000 | 1,165 |
| Total interest expense | $4,615,000 | 493 |
| Net interest income | $7,161,000 | 1,553 |
| Provision for loan and lease losses | $925,000 | 1,168 |
| Total noninterest income | $2,072,000 | 1,300 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $563,000 | 1,257 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,509,000 | 1,133 |
| Total noninterest expense | $7,735,000 | 1,294 |
| Salaries and employee benefits | $4,394,000 | 1,193 |
| Premises and equipment expense | $895,000 | 1,340 |
| Additional noninterest expense | $2,446,000 | 1,396 |
| Pre-tax net operating income | $573,000 | 3,882 |
| Securities gains (losses) | $173,000 | 1,210 |
| Applicable income taxes | $-46,000 | 6,934 |
| Income before extraordinary items | $792,000 | 3,063 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $792,000 | 3,063 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $792,000 | 3,063 |
| Net charge-offs | $1,394,000 | 906 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $619,000 | 3,399 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $5,985,000 | 1,147 |
| Total interest expense | $2,367,000 | 491 |
| Net interest income | $3,618,000 | 1,548 |
| Provision for loan and lease losses | $325,000 | 1,413 |
| Total noninterest income | $1,082,000 | 1,255 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $284,000 | 1,238 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $798,000 | 1,077 |
| Total noninterest expense | $3,922,000 | 1,265 |
| Salaries and employee benefits | $2,220,000 | 1,171 |
| Premises and equipment expense | $458,000 | 1,302 |
| Additional noninterest expense | $1,244,000 | 1,353 |
| Pre-tax net operating income | $453,000 | 3,078 |
| Securities gains (losses) | $173,000 | 660 |
| Applicable income taxes | $75,000 | 2,697 |
| Income before extraordinary items | $551,000 | 2,418 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $551,000 | 2,420 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $551,000 | 2,421 |
| Net charge-offs | $1,226,000 | 586 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $398,760 | 2,929 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $26,043,000 | 1,087 |
| Total interest expense | $10,900,000 | 521 |
| Net interest income | $15,143,000 | 1,461 |
| Provision for loan and lease losses | $1,250,000 | 2,103 |
| Total noninterest income | $3,477,000 | 1,344 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $1,234,000 | 1,189 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $2,243,000 | 1,257 |
| Total noninterest expense | $14,986,000 | 1,313 |
| Salaries and employee benefits | $8,413,000 | 1,181 |
| Premises and equipment expense | $1,831,000 | 1,357 |
| Additional noninterest expense | $4,742,000 | 1,446 |
| Pre-tax net operating income | $2,384,000 | 2,195 |
| Securities gains (losses) | $460,000 | 838 |
| Applicable income taxes | $545,000 | 1,949 |
| Income before extraordinary items | $2,299,000 | 2,009 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,299,000 | 2,010 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $2,299,000 | 2,010 |
| Net charge-offs | $2,457,000 | 1,369 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $1,926,400 | 2,247 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $19,747,000 | 1,089 |
| Total interest expense | $8,359,000 | 528 |
| Net interest income | $11,388,000 | 1,467 |
| Provision for loan and lease losses | $900,000 | 2,078 |
| Total noninterest income | $2,425,000 | 1,402 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $921,000 | 1,202 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $1,504,000 | 1,333 |
| Total noninterest expense | $11,226,000 | 1,321 |
| Salaries and employee benefits | $6,351,000 | 1,170 |
| Premises and equipment expense | $1,391,000 | 1,355 |
| Additional noninterest expense | $3,484,000 | 1,483 |
| Pre-tax net operating income | $1,687,000 | 2,368 |
| Securities gains (losses) | $513,000 | 634 |
| Applicable income taxes | $430,000 | 1,877 |
| Income before extraordinary items | $1,770,000 | 2,022 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,770,000 | 2,022 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $1,770,000 | 2,022 |
| Net charge-offs | $1,101,000 | 1,803 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $1,359,600 | 2,403 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $13,247,000 | 1,089 |
| Total interest expense | $5,716,000 | 539 |
| Net interest income | $7,531,000 | 1,480 |
| Provision for loan and lease losses | $600,000 | 2,044 |
| Total noninterest income | $1,690,000 | 1,369 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $604,000 | 1,198 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,086,000 | 1,274 |
| Total noninterest expense | $7,558,000 | 1,313 |
| Salaries and employee benefits | $4,212,000 | 1,189 |
| Premises and equipment expense | $927,000 | 1,365 |
| Additional noninterest expense | $2,419,000 | 1,449 |
| Pre-tax net operating income | $1,063,000 | 2,439 |
| Securities gains (losses) | $380,000 | 450 |
| Applicable income taxes | $276,000 | 1,889 |
| Income before extraordinary items | $1,167,000 | 1,999 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,167,000 | 1,999 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $1,167,000 | 1,999 |
| Net charge-offs | $894,000 | 1,573 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $859,200 | 2,470 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $6,727,000 | 1,077 |
| Total interest expense | $2,949,000 | 545 |
| Net interest income | $3,778,000 | 1,474 |
| Provision for loan and lease losses | $300,000 | 1,892 |
| Total noninterest income | $903,000 | 1,308 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $295,000 | 1,204 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $608,000 | 1,168 |
| Total noninterest expense | $3,819,000 | 1,309 |
| Salaries and employee benefits | $2,125,000 | 1,181 |
| Premises and equipment expense | $484,000 | 1,336 |
| Additional noninterest expense | $1,210,000 | 1,453 |
| Pre-tax net operating income | $562,000 | 2,350 |
| Securities gains (losses) | $436,000 | 180 |
| Applicable income taxes | $248,000 | 1,284 |
| Income before extraordinary items | $750,000 | 1,575 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $750,000 | 1,575 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $750,000 | 1,575 |
| Net charge-offs | $91,000 | 2,826 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $423,000 | 2,492 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $28,983,000 | 1,064 |
| Total interest expense | $13,621,000 | 583 |
| Net interest income | $15,362,000 | 1,460 |
| Provision for loan and lease losses | $1,600,000 | 2,370 |
| Total noninterest income | $3,878,000 | 1,297 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,316,000 | 1,143 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $2,562,000 | 1,179 |
| Total noninterest expense | $14,928,000 | 1,343 |
| Salaries and employee benefits | $8,159,000 | 1,208 |
| Premises and equipment expense | $1,703,000 | 1,503 |
| Additional noninterest expense | $5,066,000 | 1,434 |
| Pre-tax net operating income | $2,712,000 | 1,771 |
| Securities gains (losses) | $-2,862,000 | 7,592 |
| Applicable income taxes | $-613,000 | 7,212 |
| Income before extraordinary items | $463,000 | 4,411 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $463,000 | 4,412 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $463,000 | 4,412 |
| Net charge-offs | $1,599,000 | 2,108 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $2,294,680 | 1,718 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $22,022,000 | 1,062 |
| Total interest expense | $10,494,000 | 590 |
| Net interest income | $11,528,000 | 1,475 |
| Provision for loan and lease losses | $1,300,000 | 2,172 |
| Total noninterest income | $2,834,000 | 1,302 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $1,011,000 | 1,140 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $1,823,000 | 1,186 |
| Total noninterest expense | $11,059,000 | 1,352 |
| Salaries and employee benefits | $6,013,000 | 1,223 |
| Premises and equipment expense | $1,299,000 | 1,492 |
| Additional noninterest expense | $3,747,000 | 1,413 |
| Pre-tax net operating income | $2,003,000 | 1,895 |
| Securities gains (losses) | $-1,872,000 | 7,688 |
| Applicable income taxes | $-413,000 | 7,331 |
| Income before extraordinary items | $544,000 | 3,968 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $544,000 | 3,970 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $544,000 | 3,970 |
| Net charge-offs | $1,441,000 | 1,817 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $2,416,000 | 1,328 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $14,720,000 | 1,068 |
| Total interest expense | $7,195,000 | 590 |
| Net interest income | $7,525,000 | 1,509 |
| Provision for loan and lease losses | $800,000 | 2,179 |
| Total noninterest income | $1,763,000 | 1,342 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $684,000 | 1,144 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $1,079,000 | 1,225 |
| Total noninterest expense | $7,352,000 | 1,355 |
| Salaries and employee benefits | $3,991,000 | 1,225 |
| Premises and equipment expense | $868,000 | 1,514 |
| Additional noninterest expense | $2,493,000 | 1,425 |
| Pre-tax net operating income | $1,136,000 | 2,139 |
| Securities gains (losses) | $-810,000 | 7,729 |
| Applicable income taxes | $-179,000 | 7,303 |
| Income before extraordinary items | $505,000 | 3,394 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $505,000 | 3,391 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $505,000 | 3,393 |
| Net charge-offs | $1,088,000 | 1,638 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $1,315,000 | 1,590 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $7,405,000 | 1,084 |
| Total interest expense | $3,782,000 | 595 |
| Net interest income | $3,623,000 | 1,588 |
| Provision for loan and lease losses | $300,000 | 2,372 |
| Total noninterest income | $856,000 | 1,384 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $334,000 | 1,169 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $522,000 | 1,254 |
| Total noninterest expense | $3,749,000 | 1,339 |
| Salaries and employee benefits | $1,986,000 | 1,257 |
| Premises and equipment expense | $447,000 | 1,509 |
| Additional noninterest expense | $1,316,000 | 1,352 |
| Pre-tax net operating income | $430,000 | 2,704 |
| Securities gains (losses) | $103,000 | 774 |
| Applicable income taxes | $16,000 | 3,569 |
| Income before extraordinary items | $517,000 | 2,087 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $517,000 | 2,086 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $517,000 | 2,087 |
| Net charge-offs | $776,000 | 1,236 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $417,090 | 2,388 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $33,858,000 | 1,004 |
| Total interest expense | $17,642,000 | 654 |
| Net interest income | $16,216,000 | 1,361 |
| Provision for loan and lease losses | $5,615,000 | 1,309 |
| Total noninterest income | $4,441,000 | 1,203 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $1,477,000 | 1,167 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $2,964,000 | 1,054 |
| Total noninterest expense | $14,797,000 | 1,381 |
| Salaries and employee benefits | $8,031,000 | 1,225 |
| Premises and equipment expense | $1,663,000 | 1,614 |
| Additional noninterest expense | $5,103,000 | 1,466 |
| Pre-tax net operating income | $245,000 | 4,666 |
| Securities gains (losses) | $-5,759,000 | 7,908 |
| Applicable income taxes | $-2,366,000 | 7,559 |
| Income before extraordinary items | $-3,148,000 | 7,024 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-3,148,000 | 7,022 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-3,148,000 | 7,023 |
| Net charge-offs | $3,237,000 | 1,528 |
| Cash dividends | $1,049,000 | 1,578 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $537,760 | 3,703 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $26,057,000 | 993 |
| Total interest expense | $13,558,000 | 675 |
| Net interest income | $12,499,000 | 1,333 |
| Provision for loan and lease losses | $5,315,000 | 999 |
| Total noninterest income | $3,415,000 | 1,194 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $1,091,000 | 1,187 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $2,324,000 | 1,036 |
| Total noninterest expense | $11,117,000 | 1,375 |
| Salaries and employee benefits | $6,050,000 | 1,238 |
| Premises and equipment expense | $1,246,000 | 1,634 |
| Additional noninterest expense | $3,821,000 | 1,416 |
| Pre-tax net operating income | $-518,000 | 6,347 |
| Securities gains (losses) | $-5,020,000 | 8,002 |
| Applicable income taxes | $-2,227,000 | 7,747 |
| Income before extraordinary items | $-3,311,000 | 7,419 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-3,311,000 | 7,419 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-3,311,000 | 7,419 |
| Net charge-offs | $3,198,000 | 1,139 |
| Cash dividends | $1,049,000 | 1,196 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-98,200 | 5,941 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $17,821,000 | 985 |
| Total interest expense | $9,246,000 | 701 |
| Net interest income | $8,575,000 | 1,298 |
| Provision for loan and lease losses | $590,000 | 2,751 |
| Total noninterest income | $2,423,000 | 1,147 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $699,000 | 1,216 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $1,724,000 | 991 |
| Total noninterest expense | $7,419,000 | 1,399 |
| Salaries and employee benefits | $4,037,000 | 1,257 |
| Premises and equipment expense | $819,000 | 1,697 |
| Additional noninterest expense | $2,563,000 | 1,447 |
| Pre-tax net operating income | $2,989,000 | 779 |
| Securities gains (losses) | $-3,045,000 | 8,088 |
| Applicable income taxes | $-226,000 | 7,336 |
| Income before extraordinary items | $170,000 | 4,733 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $170,000 | 4,730 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $170,000 | 4,730 |
| Net charge-offs | $547,000 | 2,253 |
| Cash dividends | $942,000 | 985 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $2,118,800 | 858 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $9,347,000 | 946 |
| Total interest expense | $4,673,000 | 715 |
| Net interest income | $4,674,000 | 1,181 |
| Provision for loan and lease losses | $320,000 | 2,218 |
| Total noninterest income | $879,000 | 1,437 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $342,000 | 1,210 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $537,000 | 1,331 |
| Total noninterest expense | $3,391,000 | 1,475 |
| Salaries and employee benefits | $2,035,000 | 1,271 |
| Premises and equipment expense | $431,000 | 1,644 |
| Additional noninterest expense | $925,000 | 1,750 |
| Pre-tax net operating income | $1,842,000 | 673 |
| Securities gains (losses) | $-1,645,000 | 8,163 |
| Applicable income taxes | $292,000 | 1,078 |
| Income before extraordinary items | $-95,000 | 6,797 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-95,000 | 6,797 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-95,000 | 6,798 |
| Net charge-offs | $148,000 | 2,437 |
| Cash dividends | $552,000 | 778 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $957,800 | 1,057 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $38,886,000 | 965 |
| Total interest expense | $21,364,000 | 741 |
| Net interest income | $17,522,000 | 1,262 |
| Provision for loan and lease losses | $1,635,000 | 2,046 |
| Total noninterest income | $3,397,000 | 1,437 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,473,000 | 1,227 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,924,000 | 1,336 |
| Total noninterest expense | $12,918,000 | 1,512 |
| Salaries and employee benefits | $7,787,000 | 1,296 |
| Premises and equipment expense | $1,675,000 | 1,647 |
| Additional noninterest expense | $3,456,000 | 1,767 |
| Pre-tax net operating income | $6,366,000 | 879 |
| Securities gains (losses) | $-3,133,000 | 8,007 |
| Applicable income taxes | $1,306,000 | 967 |
| Income before extraordinary items | $1,927,000 | 2,062 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,927,000 | 2,064 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,192,000 | 1,774 |
| Cash dividends | $2,061,000 | 1,304 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $3,932,120 | 1,133 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $29,135,000 | 996 |
| Total interest expense | $16,359,000 | 756 |
| Net interest income | $12,776,000 | 1,323 |
| Provision for loan and lease losses | $1,080,000 | 1,746 |
| Total noninterest income | $2,593,000 | 1,468 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $1,085,000 | 1,249 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,508,000 | 1,361 |
| Total noninterest expense | $9,716,000 | 1,501 |
| Salaries and employee benefits | $5,933,000 | 1,298 |
| Premises and equipment expense | $1,338,000 | 1,562 |
| Additional noninterest expense | $2,445,000 | 1,812 |
| Pre-tax net operating income | $4,573,000 | 1,106 |
| Securities gains (losses) | $-3,058,000 | 8,144 |
| Applicable income taxes | $1,306,000 | 937 |
| Income before extraordinary items | $209,000 | 5,653 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $209,000 | 5,651 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $798,000 | 1,491 |
| Cash dividends | $1,555,000 | 1,266 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $2,166,120 | 1,750 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $19,657,000 | 993 |
| Total interest expense | $11,108,000 | 770 |
| Net interest income | $8,549,000 | 1,312 |
| Provision for loan and lease losses | $560,000 | 1,785 |
| Total noninterest income | $1,728,000 | 1,477 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $689,000 | 1,287 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $1,039,000 | 1,359 |
| Total noninterest expense | $6,459,000 | 1,498 |
| Salaries and employee benefits | $3,939,000 | 1,316 |
| Premises and equipment expense | $892,000 | 1,567 |
| Additional noninterest expense | $1,628,000 | 1,781 |
| Pre-tax net operating income | $3,258,000 | 1,087 |
| Securities gains (losses) | $7,000 | 2,608 |
| Applicable income taxes | $788,000 | 1,127 |
| Income before extraordinary items | $2,477,000 | 1,108 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,477,000 | 1,108 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $380,000 | 1,558 |
| Cash dividends | $1,051,000 | 1,338 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $2,471,680 | 1,094 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $9,940,000 | 1,009 |
| Total interest expense | $5,747,000 | 793 |
| Net interest income | $4,193,000 | 1,324 |
| Provision for loan and lease losses | $210,000 | 1,766 |
| Total noninterest income | $853,000 | 1,493 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $326,000 | 1,338 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $527,000 | 1,364 |
| Total noninterest expense | $3,259,000 | 1,471 |
| Salaries and employee benefits | $1,975,000 | 1,315 |
| Premises and equipment expense | $464,000 | 1,501 |
| Additional noninterest expense | $820,000 | 1,736 |
| Pre-tax net operating income | $1,577,000 | 1,200 |
| Securities gains (losses) | $7,000 | 2,110 |
| Applicable income taxes | $371,000 | 1,257 |
| Income before extraordinary items | $1,213,000 | 1,238 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,213,000 | 1,241 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $151,000 | 1,479 |
| Cash dividends | $546,000 | 1,271 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $1,207,610 | 1,205 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $40,561,000 | 1,040 |
| Total interest expense | $25,250,000 | 777 |
| Net interest income | $15,311,000 | 1,487 |
| Provision for loan and lease losses | $580,000 | 2,107 |
| Total noninterest income | $3,203,000 | 1,563 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,347,000 | 1,328 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,856,000 | 1,429 |
| Total noninterest expense | $12,110,000 | 1,526 |
| Salaries and employee benefits | $7,455,000 | 1,353 |
| Premises and equipment expense | $1,775,000 | 1,503 |
| Additional noninterest expense | $2,880,000 | 1,908 |
| Pre-tax net operating income | $5,824,000 | 1,427 |
| Securities gains (losses) | $-300,000 | 8,307 |
| Applicable income taxes | $1,313,000 | 1,551 |
| Income before extraordinary items | $4,211,000 | 1,504 |
| Extraordinary gains, net | $89,000 | 25 |
| Net income | $4,300,000 | 1,489 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $131,000 | 3,397 |
| Cash dividends | $2,501,000 | 1,367 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $4,439,000 | 1,434 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $30,401,000 | 1,041 |
| Total interest expense | $18,990,000 | 778 |
| Net interest income | $11,411,000 | 1,498 |
| Provision for loan and lease losses | $400,000 | 1,861 |
| Total noninterest income | $2,356,000 | 1,588 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $949,000 | 1,395 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,407,000 | 1,442 |
| Total noninterest expense | $9,078,000 | 1,503 |
| Salaries and employee benefits | $5,648,000 | 1,327 |
| Premises and equipment expense | $1,362,000 | 1,467 |
| Additional noninterest expense | $2,068,000 | 1,948 |
| Pre-tax net operating income | $4,289,000 | 1,576 |
| Securities gains (losses) | $22,000 | 807 |
| Applicable income taxes | $1,013,000 | 1,629 |
| Income before extraordinary items | $3,298,000 | 1,531 |
| Extraordinary gains, net | $89,000 | 19 |
| Net income | $3,387,000 | 1,499 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 3,341 |
| Cash dividends | $2,501,000 | 1,012 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $3,281,060 | 1,536 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $20,243,000 | 1,059 |
| Total interest expense | $12,652,000 | 782 |
| Net interest income | $7,591,000 | 1,517 |
| Provision for loan and lease losses | $250,000 | 1,793 |
| Total noninterest income | $1,514,000 | 1,661 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $612,000 | 1,451 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $902,000 | 1,498 |
| Total noninterest expense | $5,971,000 | 1,535 |
| Salaries and employee benefits | $3,731,000 | 1,359 |
| Premises and equipment expense | $904,000 | 1,479 |
| Additional noninterest expense | $1,336,000 | 2,015 |
| Pre-tax net operating income | $2,884,000 | 1,606 |
| Securities gains (losses) | $22,000 | 693 |
| Applicable income taxes | $684,000 | 1,690 |
| Income before extraordinary items | $2,222,000 | 1,576 |
| Extraordinary gains, net | $89,000 | 18 |
| Net income | $2,311,000 | 1,511 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 3,376 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $2,205,280 | 1,568 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $10,140,000 | 1,055 |
| Total interest expense | $6,350,000 | 766 |
| Net interest income | $3,790,000 | 1,518 |
| Provision for loan and lease losses | $150,000 | 1,427 |
| Total noninterest income | $748,000 | 1,647 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $284,000 | 1,515 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $464,000 | 1,438 |
| Total noninterest expense | $3,027,000 | 1,515 |
| Salaries and employee benefits | $1,869,000 | 1,375 |
| Premises and equipment expense | $482,000 | 1,392 |
| Additional noninterest expense | $676,000 | 1,956 |
| Pre-tax net operating income | $1,361,000 | 1,678 |
| Securities gains (losses) | $22,000 | 547 |
| Applicable income taxes | $302,000 | 1,844 |
| Income before extraordinary items | $1,081,000 | 1,596 |
| Extraordinary gains, net | $89,000 | 15 |
| Net income | $1,170,000 | 1,478 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,195 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,063,840 | 1,605 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $38,770,000 | 1,017 |
| Total interest expense | $24,320,000 | 697 |
| Net interest income | $14,450,000 | 1,587 |
| Provision for loan and lease losses | $650,000 | 1,503 |
| Total noninterest income | $2,841,000 | 1,707 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,371,000 | 1,302 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,470,000 | 1,699 |
| Total noninterest expense | $11,896,000 | 1,498 |
| Salaries and employee benefits | $7,565,000 | 1,290 |
| Premises and equipment expense | $1,867,000 | 1,379 |
| Additional noninterest expense | $2,464,000 | 2,130 |
| Pre-tax net operating income | $4,745,000 | 1,982 |
| Securities gains (losses) | $-93,000 | 8,179 |
| Applicable income taxes | $874,000 | 2,362 |
| Income before extraordinary items | $3,778,000 | 1,881 |
| Extraordinary gains, net | $318,000 | 19 |
| Net income | $4,096,000 | 1,751 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $630,000 | 980 |
| Cash dividends | $1,637,000 | 1,814 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $3,853,330 | 1,832 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $28,623,000 | 1,034 |
| Total interest expense | $17,821,000 | 702 |
| Net interest income | $10,802,000 | 1,610 |
| Provision for loan and lease losses | $475,000 | 1,450 |
| Total noninterest income | $2,142,000 | 1,710 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,042,000 | 1,288 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,100,000 | 1,691 |
| Total noninterest expense | $8,875,000 | 1,510 |
| Salaries and employee benefits | $5,656,000 | 1,304 |
| Premises and equipment expense | $1,415,000 | 1,374 |
| Additional noninterest expense | $1,804,000 | 2,162 |
| Pre-tax net operating income | $3,594,000 | 2,012 |
| Securities gains (losses) | $-115,000 | 8,441 |
| Applicable income taxes | $607,000 | 2,579 |
| Income before extraordinary items | $2,872,000 | 1,901 |
| Extraordinary gains, net | $318,000 | 17 |
| Net income | $3,190,000 | 1,746 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $231,000 | 1,378 |
| Cash dividends | $1,638,000 | 1,344 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,967,450 | 1,829 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $18,656,000 | 1,033 |
| Total interest expense | $11,495,000 | 683 |
| Net interest income | $7,161,000 | 1,620 |
| Provision for loan and lease losses | $125,000 | 2,925 |
| Total noninterest income | $1,380,000 | 1,751 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $682,000 | 1,301 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $698,000 | 1,769 |
| Total noninterest expense | $5,924,000 | 1,513 |
| Salaries and employee benefits | $3,765,000 | 1,317 |
| Premises and equipment expense | $943,000 | 1,370 |
| Additional noninterest expense | $1,216,000 | 2,142 |
| Pre-tax net operating income | $2,492,000 | 1,956 |
| Securities gains (losses) | $-114,000 | 8,562 |
| Applicable income taxes | $435,000 | 2,498 |
| Income before extraordinary items | $1,943,000 | 1,880 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,943,000 | 1,881 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $166,000 | 1,248 |
| Cash dividends | $1,225,000 | 1,224 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,036,480 | 1,782 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $9,115,000 | 1,024 |
| Total interest expense | $5,536,000 | 672 |
| Net interest income | $3,579,000 | 1,605 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $689,000 | 1,719 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $341,000 | 1,266 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $348,000 | 1,732 |
| Total noninterest expense | $3,014,000 | 1,494 |
| Salaries and employee benefits | $1,879,000 | 1,320 |
| Premises and equipment expense | $516,000 | 1,263 |
| Additional noninterest expense | $619,000 | 2,096 |
| Pre-tax net operating income | $1,254,000 | 1,901 |
| Securities gains (losses) | $-2,000 | 7,972 |
| Applicable income taxes | $219,000 | 2,484 |
| Income before extraordinary items | $1,033,000 | 1,734 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,033,000 | 1,733 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 1,156 |
| Cash dividends | $590,000 | 1,197 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,034,660 | 1,717 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $32,638,000 | 1,006 |
| Total interest expense | $18,330,000 | 627 |
| Net interest income | $14,308,000 | 1,538 |
| Provision for loan and lease losses | $550,000 | 1,758 |
| Total noninterest income | $2,828,000 | 1,701 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,409,000 | 1,259 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,419,000 | 1,739 |
| Total noninterest expense | $11,812,000 | 1,457 |
| Salaries and employee benefits | $7,160,000 | 1,295 |
| Premises and equipment expense | $1,858,000 | 1,323 |
| Additional noninterest expense | $2,794,000 | 1,806 |
| Pre-tax net operating income | $4,774,000 | 1,936 |
| Securities gains (losses) | $-6,000 | 7,363 |
| Applicable income taxes | $1,029,000 | 2,228 |
| Income before extraordinary items | $3,739,000 | 1,841 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,739,000 | 1,840 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $425,000 | 1,332 |
| Cash dividends | $9,002,000 | 411 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,743,680 | 1,815 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $24,000,000 | 998 |
| Total interest expense | $13,169,000 | 615 |
| Net interest income | $10,831,000 | 1,500 |
| Provision for loan and lease losses | $425,000 | 1,625 |
| Total noninterest income | $2,081,000 | 1,725 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,045,000 | 1,258 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,036,000 | 1,780 |
| Total noninterest expense | $8,936,000 | 1,432 |
| Salaries and employee benefits | $5,393,000 | 1,286 |
| Premises and equipment expense | $1,417,000 | 1,286 |
| Additional noninterest expense | $2,126,000 | 1,756 |
| Pre-tax net operating income | $3,551,000 | 1,963 |
| Securities gains (losses) | $-6,000 | 7,744 |
| Applicable income taxes | $761,000 | 2,280 |
| Income before extraordinary items | $2,784,000 | 1,881 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,784,000 | 1,881 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $377,000 | 1,058 |
| Cash dividends | $8,430,000 | 327 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,788,740 | 1,838 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $15,712,000 | 990 |
| Total interest expense | $8,462,000 | 601 |
| Net interest income | $7,250,000 | 1,472 |
| Provision for loan and lease losses | $250,000 | 1,767 |
| Total noninterest income | $1,447,000 | 1,647 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $661,000 | 1,300 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $786,000 | 1,600 |
| Total noninterest expense | $6,162,000 | 1,373 |
| Salaries and employee benefits | $3,578,000 | 1,280 |
| Premises and equipment expense | $955,000 | 1,256 |
| Additional noninterest expense | $1,629,000 | 1,530 |
| Pre-tax net operating income | $2,285,000 | 1,971 |
| Securities gains (losses) | $-7,000 | 8,039 |
| Applicable income taxes | $486,000 | 2,312 |
| Income before extraordinary items | $1,792,000 | 1,908 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,792,000 | 1,908 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $258,000 | 1,010 |
| Cash dividends | $939,000 | 1,402 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,797,530 | 1,864 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $7,718,000 | 986 |
| Total interest expense | $4,101,000 | 585 |
| Net interest income | $3,617,000 | 1,459 |
| Provision for loan and lease losses | $75,000 | 2,455 |
| Total noninterest income | $660,000 | 1,744 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $310,000 | 1,324 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $350,000 | 1,697 |
| Total noninterest expense | $2,835,000 | 1,497 |
| Salaries and employee benefits | $1,745,000 | 1,315 |
| Premises and equipment expense | $486,000 | 1,242 |
| Additional noninterest expense | $604,000 | 2,029 |
| Pre-tax net operating income | $1,367,000 | 1,676 |
| Securities gains (losses) | $-7,000 | 8,456 |
| Applicable income taxes | $281,000 | 2,075 |
| Income before extraordinary items | $1,079,000 | 1,561 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,079,000 | 1,563 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $130,000 | 933 |
| Cash dividends | $475,000 | 1,304 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,084,530 | 1,528 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $29,614,000 | 949 |
| Total interest expense | $15,495,000 | 535 |
| Net interest income | $14,119,000 | 1,425 |
| Provision for loan and lease losses | $400,000 | 2,359 |
| Total noninterest income | $2,847,000 | 1,678 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,388,000 | 1,276 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,459,000 | 1,673 |
| Total noninterest expense | $11,346,000 | 1,437 |
| Salaries and employee benefits | $6,894,000 | 1,275 |
| Premises and equipment expense | $1,885,000 | 1,210 |
| Additional noninterest expense | $2,567,000 | 1,892 |
| Pre-tax net operating income | $5,220,000 | 1,634 |
| Securities gains (losses) | $487,000 | 462 |
| Applicable income taxes | $1,140,000 | 1,967 |
| Income before extraordinary items | $4,567,000 | 1,412 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $4,567,000 | 1,413 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $966,000 | 803 |
| Cash dividends | $1,762,000 | 1,512 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $4,177,400 | 1,499 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $22,042,000 | 946 |
| Total interest expense | $11,487,000 | 528 |
| Net interest income | $10,555,000 | 1,419 |
| Provision for loan and lease losses | $225,000 | 2,754 |
| Total noninterest income | $2,151,000 | 1,672 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,032,000 | 1,297 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,119,000 | 1,635 |
| Total noninterest expense | $8,526,000 | 1,427 |
| Salaries and employee benefits | $5,155,000 | 1,279 |
| Premises and equipment expense | $1,422,000 | 1,214 |
| Additional noninterest expense | $1,949,000 | 1,837 |
| Pre-tax net operating income | $3,955,000 | 1,628 |
| Securities gains (losses) | $487,000 | 431 |
| Applicable income taxes | $882,000 | 1,970 |
| Income before extraordinary items | $3,560,000 | 1,384 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $3,560,000 | 1,385 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $730,000 | 714 |
| Cash dividends | $1,301,000 | 1,411 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $3,170,400 | 1,489 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $14,709,000 | 930 |
| Total interest expense | $7,662,000 | 521 |
| Net interest income | $7,047,000 | 1,403 |
| Provision for loan and lease losses | $150,000 | 2,691 |
| Total noninterest income | $1,450,000 | 1,656 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $668,000 | 1,325 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $782,000 | 1,565 |
| Total noninterest expense | $5,767,000 | 1,407 |
| Salaries and employee benefits | $3,446,000 | 1,270 |
| Premises and equipment expense | $946,000 | 1,220 |
| Additional noninterest expense | $1,375,000 | 1,736 |
| Pre-tax net operating income | $2,580,000 | 1,637 |
| Securities gains (losses) | $439,000 | 384 |
| Applicable income taxes | $534,000 | 2,095 |
| Income before extraordinary items | $2,485,000 | 1,308 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,485,000 | 1,309 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $354,000 | 929 |
| Cash dividends | $849,000 | 1,477 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,125,020 | 1,459 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $7,431,000 | 919 |
| Total interest expense | $3,853,000 | 528 |
| Net interest income | $3,578,000 | 1,385 |
| Provision for loan and lease losses | $75,000 | 2,550 |
| Total noninterest income | $684,000 | 1,697 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $316,000 | 1,358 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $368,000 | 1,628 |
| Total noninterest expense | $2,947,000 | 1,395 |
| Salaries and employee benefits | $1,700,000 | 1,302 |
| Premises and equipment expense | $488,000 | 1,195 |
| Additional noninterest expense | $759,000 | 1,574 |
| Pre-tax net operating income | $1,240,000 | 1,673 |
| Securities gains (losses) | $419,000 | 289 |
| Applicable income taxes | $298,000 | 1,944 |
| Income before extraordinary items | $1,361,000 | 1,198 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,361,000 | 1,198 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $222,000 | 756 |
| Cash dividends | $410,000 | 1,413 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,017,420 | 1,486 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $30,775,000 | 907 |
| Total interest expense | $17,890,000 | 511 |
| Net interest income | $12,885,000 | 1,510 |
| Provision for loan and lease losses | $275,000 | 3,362 |
| Total noninterest income | $2,982,000 | 1,701 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,277,000 | 1,356 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,705,000 | 1,643 |
| Total noninterest expense | $10,671,000 | 1,498 |
| Salaries and employee benefits | $6,462,000 | 1,331 |
| Premises and equipment expense | $1,853,000 | 1,211 |
| Additional noninterest expense | $2,356,000 | 2,046 |
| Pre-tax net operating income | $4,921,000 | 1,653 |
| Securities gains (losses) | $229,000 | 1,243 |
| Applicable income taxes | $1,008,000 | 2,165 |
| Income before extraordinary items | $4,142,000 | 1,515 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $4,142,000 | 1,516 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $220,000 | 2,731 |
| Cash dividends | $1,671,000 | 1,609 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,958,800 | 1,508 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $23,630,000 | 913 |
| Total interest expense | $13,872,000 | 515 |
| Net interest income | $9,758,000 | 1,507 |
| Provision for loan and lease losses | $225,000 | 3,052 |
| Total noninterest income | $2,246,000 | 1,730 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $922,000 | 1,426 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,324,000 | 1,682 |
| Total noninterest expense | $7,912,000 | 1,527 |
| Salaries and employee benefits | $4,770,000 | 1,370 |
| Premises and equipment expense | $1,408,000 | 1,217 |
| Additional noninterest expense | $1,734,000 | 2,071 |
| Pre-tax net operating income | $3,867,000 | 1,635 |
| Securities gains (losses) | $241,000 | 1,113 |
| Applicable income taxes | $790,000 | 2,222 |
| Income before extraordinary items | $3,318,000 | 1,480 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $3,318,000 | 1,480 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $193,000 | 2,241 |
| Cash dividends | $1,261,000 | 1,467 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $3,122,790 | 1,479 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $16,263,000 | 900 |
| Total interest expense | $9,644,000 | 513 |
| Net interest income | $6,619,000 | 1,479 |
| Provision for loan and lease losses | $150,000 | 3,000 |
| Total noninterest income | $1,461,000 | 1,752 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $582,000 | 1,477 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $879,000 | 1,661 |
| Total noninterest expense | $5,355,000 | 1,498 |
| Salaries and employee benefits | $3,141,000 | 1,378 |
| Premises and equipment expense | $938,000 | 1,213 |
| Additional noninterest expense | $1,276,000 | 1,881 |
| Pre-tax net operating income | $2,575,000 | 1,628 |
| Securities gains (losses) | $278,000 | 848 |
| Applicable income taxes | $675,000 | 1,870 |
| Income before extraordinary items | $2,178,000 | 1,502 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,178,000 | 1,501 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $165,000 | 1,864 |
| Cash dividends | $840,000 | 1,518 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,966,720 | 1,539 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $8,306,000 | 892 |
| Total interest expense | $4,932,000 | 519 |
| Net interest income | $3,374,000 | 1,446 |
| Provision for loan and lease losses | $75,000 | 2,805 |
| Total noninterest income | $698,000 | 1,783 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $276,000 | 1,508 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $422,000 | 1,675 |
| Total noninterest expense | $2,680,000 | 1,485 |
| Salaries and employee benefits | $1,551,000 | 1,397 |
| Premises and equipment expense | $462,000 | 1,241 |
| Additional noninterest expense | $667,000 | 1,762 |
| Pre-tax net operating income | $1,317,000 | 1,596 |
| Securities gains (losses) | $161,000 | 750 |
| Applicable income taxes | $350,000 | 1,820 |
| Income before extraordinary items | $1,128,000 | 1,448 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,128,000 | 1,447 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $133,000 | 1,227 |
| Cash dividends | $416,000 | 1,423 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,005,640 | 1,501 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $36,097,000 | 841 |
| Total interest expense | $21,201,000 | 552 |
| Net interest income | $14,896,000 | 1,296 |
| Provision for loan and lease losses | $630,000 | 1,978 |
| Total noninterest income | $2,619,000 | 1,739 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,087,000 | 1,486 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,532,000 | 1,624 |
| Total noninterest expense | $10,039,000 | 1,542 |
| Salaries and employee benefits | $5,976,000 | 1,365 |
| Premises and equipment expense | $1,621,000 | 1,360 |
| Additional noninterest expense | $2,442,000 | 1,892 |
| Pre-tax net operating income | $6,846,000 | 1,232 |
| Securities gains (losses) | $235,000 | 1,065 |
| Applicable income taxes | $1,882,000 | 1,352 |
| Income before extraordinary items | $5,199,000 | 1,204 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $5,199,000 | 1,204 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $647,000 | 1,359 |
| Cash dividends | $2,040,000 | 1,286 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $5,027,450 | 1,197 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $37,982,000 | 900 |
| Total interest expense | $25,134,000 | 667 |
| Net interest income | $12,848,000 | 1,381 |
| Provision for loan and lease losses | $485,000 | 2,261 |
| Total noninterest income | $1,942,000 | 2,061 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $683,000 | 2,188 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,259,000 | 1,737 |
| Total noninterest expense | $9,249,000 | 1,578 |
| Salaries and employee benefits | $5,298,000 | 1,435 |
| Premises and equipment expense | $1,590,000 | 1,346 |
| Additional noninterest expense | $2,361,000 | 1,908 |
| Pre-tax net operating income | $5,056,000 | 1,419 |
| Securities gains (losses) | $397,000 | 722 |
| Applicable income taxes | $1,227,000 | 1,781 |
| Income before extraordinary items | $4,226,000 | 1,289 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $4,226,000 | 1,288 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $451,000 | 1,673 |
| Cash dividends | $1,839,000 | 1,428 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $3,920,310 | 1,333 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $37,516,000 | 943 |
| Total interest expense | $24,457,000 | 747 |
| Net interest income | $13,059,000 | 1,343 |
| Provision for loan and lease losses | $440,000 | 2,094 |
| Total noninterest income | $1,739,000 | 2,073 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $635,000 | 2,177 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,104,000 | 1,746 |
| Total noninterest expense | $8,351,000 | 1,669 |
| Salaries and employee benefits | $4,769,000 | 1,487 |
| Premises and equipment expense | $1,482,000 | 1,398 |
| Additional noninterest expense | $2,100,000 | 2,068 |
| Pre-tax net operating income | $6,007,000 | 1,235 |
| Securities gains (losses) | $-119,000 | 9,465 |
| Applicable income taxes | $1,491,000 | 1,523 |
| Income before extraordinary items | $4,397,000 | 1,204 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $4,397,000 | 1,204 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $465,000 | 1,306 |
| Cash dividends | $7,346,000 | 470 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $4,486,250 | 1,183 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $31,804,000 | 1,036 |
| Total interest expense | $18,878,000 | 833 |
| Net interest income | $12,926,000 | 1,355 |
| Provision for loan and lease losses | $535,000 | 1,676 |
| Total noninterest income | $1,448,000 | 2,352 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $919,000 | 1,414 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $529,000 | 2,855 |
| Total noninterest expense | $8,091,000 | 1,700 |
| Salaries and employee benefits | $4,648,000 | 1,489 |
| Premises and equipment expense | $1,415,000 | 1,449 |
| Additional noninterest expense | $2,028,000 | 2,162 |
| Pre-tax net operating income | $5,748,000 | 1,327 |
| Securities gains (losses) | $62,000 | 908 |
| Applicable income taxes | $1,565,000 | 1,539 |
| Income before extraordinary items | $4,245,000 | 1,274 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,245,000 | 1,274 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $361,000 | 1,571 |
| Cash dividends | $927,000 | 2,412 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $4,199,740 | 1,267 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $27,868,000 | 1,170 |
| Total interest expense | $16,673,000 | 951 |
| Net interest income | $11,195,000 | 1,517 |
| Provision for loan and lease losses | $395,000 | 2,085 |
| Total noninterest income | $1,148,000 | 2,783 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $655,000 | 1,949 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $493,000 | 3,010 |
| Total noninterest expense | $7,514,000 | 1,740 |
| Salaries and employee benefits | $4,225,000 | 1,568 |
| Premises and equipment expense | $1,346,000 | 1,461 |
| Additional noninterest expense | $1,943,000 | 2,159 |
| Pre-tax net operating income | $4,434,000 | 1,665 |
| Securities gains (losses) | $1,000 | 4,151 |
| Applicable income taxes | $1,177,000 | 2,028 |
| Income before extraordinary items | $3,258,000 | 1,616 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $3,258,000 | 1,617 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $125,000 | 3,256 |
| Cash dividends | $1,174,000 | 1,990 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $3,257,270 | 1,557 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $25,303,000 | 1,316 |
| Total interest expense | $14,452,000 | 1,123 |
| Net interest income | $10,851,000 | 1,590 |
| Provision for loan and lease losses | $500,000 | 1,761 |
| Total noninterest income | $829,000 | 3,490 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $560,000 | 2,342 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $269,000 | 4,185 |
| Total noninterest expense | $6,619,000 | 1,951 |
| Salaries and employee benefits | $3,622,000 | 1,805 |
| Premises and equipment expense | $1,191,000 | 1,645 |
| Additional noninterest expense | $1,806,000 | 2,304 |
| Pre-tax net operating income | $4,561,000 | 1,683 |
| Securities gains (losses) | $28,000 | 1,673 |
| Applicable income taxes | $1,492,000 | 1,713 |
| Income before extraordinary items | $3,097,000 | 1,717 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,097,000 | 1,718 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $113,000 | 3,562 |
| Cash dividends | $545,000 | 3,300 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $3,078,240 | 1,696 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $21,634,000 | 1,548 |
| Total interest expense | $12,108,000 | 1,335 |
| Net interest income | $9,526,000 | 1,868 |
| Provision for loan and lease losses | $355,000 | 2,296 |
| Total noninterest income | $708,000 | 4,076 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $452,000 | 2,990 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $256,000 | 4,476 |
| Total noninterest expense | $8,041,000 | 1,764 |
| Salaries and employee benefits | $3,197,000 | 2,088 |
| Premises and equipment expense | $1,097,000 | 1,827 |
| Additional noninterest expense | $3,747,000 | 1,419 |
| Pre-tax net operating income | $1,838,000 | 3,645 |
| Securities gains (losses) | $37,000 | 1,547 |
| Applicable income taxes | $351,000 | 5,316 |
| Income before extraordinary items | $1,524,000 | 3,148 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,524,000 | 3,149 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $92,000 | 4,102 |
| Cash dividends | $1,020,000 | 2,096 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,494,030 | 3,167 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $19,441,000 | 1,746 |
| Total interest expense | $11,406,000 | 1,429 |
| Net interest income | $8,035,000 | 2,244 |
| Provision for loan and lease losses | $170,000 | 3,392 |
| Total noninterest income | $570,000 | 4,744 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $366,000 | 3,624 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $204,000 | 5,077 |
| Total noninterest expense | $6,092,000 | 2,231 |
| Salaries and employee benefits | $2,902,000 | 2,286 |
| Premises and equipment expense | $1,047,000 | 1,949 |
| Additional noninterest expense | $2,143,000 | 2,273 |
| Pre-tax net operating income | $2,343,000 | 3,036 |
| Securities gains (losses) | $-2,000 | 9,253 |
| Applicable income taxes | $739,000 | 3,086 |
| Income before extraordinary items | $1,602,000 | 3,055 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,602,000 | 3,051 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $152,000 | 2,975 |
| Cash dividends | $550,000 | 3,104 |
| Sale, conversion, retirement of capital stock, net | $12,000 | 754 |
| Net operating income | $1,603,360 | 3,025 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $17,734,000 | 1,733 |
| Total interest expense | $9,599,000 | 1,356 |
| Net interest income | $8,135,000 | 2,217 |
| Provision for loan and lease losses | $360,000 | 1,966 |
| Total noninterest income | $556,000 | 4,919 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $313,000 | 4,209 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $243,000 | 4,679 |
| Total noninterest expense | $5,712,000 | 2,459 |
| Salaries and employee benefits | $2,721,000 | 2,458 |
| Premises and equipment expense | $1,010,000 | 2,013 |
| Additional noninterest expense | $1,981,000 | 2,597 |
| Pre-tax net operating income | $2,619,000 | 2,705 |
| Securities gains (losses) | $-53,000 | 11,075 |
| Applicable income taxes | $887,000 | 2,524 |
| Income before extraordinary items | $1,679,000 | 2,879 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,679,000 | 2,885 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $152,000 | 2,950 |
| Cash dividends | $340,000 | 4,156 |
| Sale, conversion, retirement of capital stock, net | $24,000 | 1,002 |
| Net operating income | $1,713,450 | 2,842 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $18,403,000 | 1,701 |
| Total interest expense | $9,724,000 | 1,385 |
| Net interest income | $8,679,000 | 2,079 |
| Provision for loan and lease losses | $640,000 | 1,773 |
| Total noninterest income | $581,000 | 5,065 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $243,000 | 5,221 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $338,000 | 4,191 |
| Total noninterest expense | $5,712,000 | 2,503 |
| Salaries and employee benefits | $2,512,000 | 2,636 |
| Premises and equipment expense | $1,019,000 | 2,012 |
| Additional noninterest expense | $2,181,000 | 2,536 |
| Pre-tax net operating income | $2,908,000 | 2,356 |
| Securities gains (losses) | $357,000 | 1,137 |
| Applicable income taxes | $1,246,000 | 1,866 |
| Income before extraordinary items | $2,019,000 | 2,487 |
| Extraordinary gains, net | $530,000 | 435 |
| Net income | $2,549,000 | 2,032 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $398,000 | 2,057 |
| Cash dividends | $290,000 | 4,525 |
| Sale, conversion, retirement of capital stock, net | $31,000 | 1,033 |
| Net operating income | $1,790,520 | 2,624 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $19,348,000 | 1,836 |
| Total interest expense | $11,673,000 | 1,512 |
| Net interest income | $7,675,000 | 2,347 |
| Provision for loan and lease losses | $483,000 | 3,085 |
| Total noninterest income | $482,000 | 5,790 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $203,000 | 5,939 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $279,000 | 4,635 |
| Total noninterest expense | $5,465,000 | 2,642 |
| Salaries and employee benefits | $2,331,000 | 2,786 |
| Premises and equipment expense | $957,000 | 2,178 |
| Additional noninterest expense | $2,177,000 | 2,614 |
| Pre-tax net operating income | $2,209,000 | 2,825 |
| Securities gains (losses) | $787,000 | 773 |
| Applicable income taxes | $1,281,000 | 1,649 |
| Income before extraordinary items | $1,715,000 | 2,677 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,715,000 | 2,717 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $307,000 | 3,279 |
| Cash dividends | $252,000 | 4,434 |
| Sale, conversion, retirement of capital stock, net | $150,000 | 768 |
| Net operating income | $1,211,320 | 3,492 |
* 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.