Iowa Bank, Income and Expense
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $658,000 | 6,512 |
| Total interest expense | $228,000 | 5,815 |
| Net interest income | $430,000 | 6,688 |
| Provision for loan and lease losses | $350,000 | 2,221 |
| Total noninterest income | $57,000 | 5,949 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $43,000 | 4,750 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $14,000 | 6,333 |
| Total noninterest expense | $372,000 | 6,712 |
| Salaries and employee benefits | $176,000 | 6,856 |
| Premises and equipment expense | $76,000 | 5,569 |
| Additional noninterest expense | $120,000 | 6,724 |
| Pre-tax net operating income | $-235,000 | 6,888 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $-108,000 | 7,456 |
| Income before extraordinary items | $-127,000 | 6,813 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-127,000 | 6,814 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-127,000 | 6,813 |
| Net charge-offs | $492,000 | 1,592 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-127,000 | 6,766 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $2,773,000 | 6,485 |
| Total interest expense | $967,000 | 6,091 |
| Net interest income | $1,806,000 | 6,559 |
| Provision for loan and lease losses | $309,000 | 5,220 |
| Total noninterest income | $270,000 | 5,780 |
| Gross Fiduciary activities income | $1,000 | 1,342 |
| Service charges on deposit accounts | $233,000 | 4,366 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $36,000 | 6,622 |
| Total noninterest expense | $1,426,000 | 6,894 |
| Salaries and employee benefits | $718,000 | 6,926 |
| Premises and equipment expense | $299,000 | 5,653 |
| Additional noninterest expense | $409,000 | 7,071 |
| Pre-tax net operating income | $341,000 | 4,384 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $98,000 | 2,893 |
| Income before extraordinary items | $243,000 | 4,663 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $243,000 | 4,662 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $243,000 | 4,663 |
| Net charge-offs | $32,000 | 6,467 |
| Cash dividends | $90,000 | 4,200 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $243,000 | 4,591 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $2,128,000 | 6,514 |
| Total interest expense | $736,000 | 6,199 |
| Net interest income | $1,392,000 | 6,540 |
| Provision for loan and lease losses | $48,000 | 6,561 |
| Total noninterest income | $195,000 | 5,933 |
| Gross Fiduciary activities income | $1,000 | 1,297 |
| Service charges on deposit accounts | $173,000 | 4,403 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $21,000 | 6,957 |
| Total noninterest expense | $1,068,000 | 6,920 |
| Salaries and employee benefits | $550,000 | 6,907 |
| Premises and equipment expense | $219,000 | 5,760 |
| Additional noninterest expense | $299,000 | 7,126 |
| Pre-tax net operating income | $471,000 | 3,975 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $153,000 | 2,564 |
| Income before extraordinary items | $318,000 | 4,361 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $318,000 | 4,357 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $318,000 | 4,360 |
| Net charge-offs | $4,000 | 6,745 |
| Cash dividends | $90,000 | 3,656 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $318,000 | 4,295 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $1,397,000 | 6,612 |
| Total interest expense | $505,000 | 6,252 |
| Net interest income | $892,000 | 6,643 |
| Provision for loan and lease losses | $32,000 | 6,406 |
| Total noninterest income | $120,000 | 6,107 |
| Gross Fiduciary activities income | $1,000 | 1,272 |
| Service charges on deposit accounts | $105,000 | 4,568 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $14,000 | 7,048 |
| Total noninterest expense | $714,000 | 6,972 |
| Salaries and employee benefits | $372,000 | 6,955 |
| Premises and equipment expense | $146,000 | 5,811 |
| Additional noninterest expense | $196,000 | 7,198 |
| Pre-tax net operating income | $266,000 | 4,310 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $85,000 | 2,759 |
| Income before extraordinary items | $181,000 | 4,655 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $181,000 | 4,652 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $181,000 | 4,652 |
| Net charge-offs | $3,000 | 6,371 |
| Cash dividends | $50,000 | 3,632 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $181,000 | 4,569 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $694,000 | 6,672 |
| Total interest expense | $255,000 | 6,338 |
| Net interest income | $439,000 | 6,677 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $49,000 | 6,415 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $46,000 | 4,770 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $3,000 | 7,508 |
| Total noninterest expense | $353,000 | 6,978 |
| Salaries and employee benefits | $185,000 | 7,012 |
| Premises and equipment expense | $76,000 | 5,763 |
| Additional noninterest expense | $92,000 | 7,213 |
| Pre-tax net operating income | $135,000 | 4,655 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $43,000 | 3,015 |
| Income before extraordinary items | $92,000 | 5,060 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $92,000 | 5,065 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $92,000 | 5,064 |
| Net charge-offs | $3,000 | 5,319 |
| Cash dividends | $30,000 | 2,832 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $92,000 | 4,894 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $3,056,000 | 6,582 |
| Total interest expense | $1,250,000 | 6,347 |
| Net interest income | $1,806,000 | 6,638 |
| Provision for loan and lease losses | $91,000 | 6,138 |
| Total noninterest income | $262,000 | 6,054 |
| Gross Fiduciary activities income | $1,000 | 1,385 |
| Service charges on deposit accounts | $235,000 | 4,488 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $26,000 | 7,270 |
| Total noninterest expense | $1,368,000 | 7,048 |
| Salaries and employee benefits | $721,000 | 7,102 |
| Premises and equipment expense | $268,000 | 6,083 |
| Additional noninterest expense | $379,000 | 7,124 |
| Pre-tax net operating income | $609,000 | 4,594 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $199,000 | 2,821 |
| Income before extraordinary items | $410,000 | 4,724 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $410,000 | 4,724 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 5,719 |
| Cash dividends | $140,000 | 4,772 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $410,000 | 4,894 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $2,315,000 | 6,632 |
| Total interest expense | $986,000 | 6,370 |
| Net interest income | $1,329,000 | 6,720 |
| Provision for loan and lease losses | $91,000 | 5,254 |
| Total noninterest income | $215,000 | 5,977 |
| Gross Fiduciary activities income | $1,000 | 1,339 |
| Service charges on deposit accounts | $204,000 | 4,212 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $10,000 | 7,769 |
| Total noninterest expense | $1,025,000 | 7,056 |
| Salaries and employee benefits | $548,000 | 7,090 |
| Premises and equipment expense | $205,000 | 6,032 |
| Additional noninterest expense | $272,000 | 7,199 |
| Pre-tax net operating income | $428,000 | 5,172 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $140,000 | 3,293 |
| Income before extraordinary items | $288,000 | 5,269 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $288,000 | 5,266 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 4,802 |
| Cash dividends | $110,000 | 4,341 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $288,000 | 5,445 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,564,000 | 6,674 |
| Total interest expense | $694,000 | 6,372 |
| Net interest income | $870,000 | 6,783 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $138,000 | 6,123 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $130,000 | 4,315 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $8,000 | 7,784 |
| Total noninterest expense | $679,000 | 7,123 |
| Salaries and employee benefits | $364,000 | 7,152 |
| Premises and equipment expense | $133,000 | 6,148 |
| Additional noninterest expense | $182,000 | 7,212 |
| Pre-tax net operating income | $329,000 | 5,137 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $104,000 | 3,414 |
| Income before extraordinary items | $225,000 | 5,436 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $225,000 | 5,437 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 4,328 |
| Cash dividends | $70,000 | 4,327 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $225,000 | 5,374 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $795,000 | 6,722 |
| Total interest expense | $360,000 | 6,456 |
| Net interest income | $435,000 | 6,844 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $63,000 | 6,287 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $59,000 | 4,476 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $4,000 | 7,805 |
| Total noninterest expense | $334,000 | 7,185 |
| Salaries and employee benefits | $182,000 | 7,171 |
| Premises and equipment expense | $67,000 | 6,170 |
| Additional noninterest expense | $85,000 | 7,339 |
| Pre-tax net operating income | $164,000 | 5,313 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $54,000 | 3,490 |
| Income before extraordinary items | $110,000 | 5,709 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $110,000 | 5,712 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 3,915 |
| Cash dividends | $40,000 | 3,451 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $110,000 | 5,613 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $3,063,000 | 6,797 |
| Total interest expense | $1,390,000 | 6,583 |
| Net interest income | $1,673,000 | 6,908 |
| Provision for loan and lease losses | $38,000 | 5,914 |
| Total noninterest income | $289,000 | 6,085 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $257,000 | 4,403 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $32,000 | 7,491 |
| Total noninterest expense | $1,269,000 | 7,252 |
| Salaries and employee benefits | $693,000 | 7,268 |
| Premises and equipment expense | $245,000 | 6,302 |
| Additional noninterest expense | $331,000 | 7,394 |
| Pre-tax net operating income | $655,000 | 5,554 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $213,000 | 3,780 |
| Income before extraordinary items | $442,000 | 5,890 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $442,000 | 5,889 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,483 |
| Cash dividends | $80,000 | 5,454 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $442,000 | 5,884 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $2,248,000 | 6,882 |
| Total interest expense | $1,010,000 | 6,673 |
| Net interest income | $1,238,000 | 6,980 |
| Provision for loan and lease losses | $29,000 | 5,583 |
| Total noninterest income | $214,000 | 6,172 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $194,000 | 4,399 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $20,000 | 7,670 |
| Total noninterest expense | $949,000 | 7,235 |
| Salaries and employee benefits | $520,000 | 7,240 |
| Premises and equipment expense | $181,000 | 6,321 |
| Additional noninterest expense | $248,000 | 7,380 |
| Pre-tax net operating income | $474,000 | 5,871 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $156,000 | 4,011 |
| Income before extraordinary items | $318,000 | 6,223 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $318,000 | 6,220 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $80,000 | 4,787 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $318,000 | 6,213 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,464,000 | 6,974 |
| Total interest expense | $652,000 | 6,757 |
| Net interest income | $812,000 | 7,054 |
| Provision for loan and lease losses | $23,000 | 5,257 |
| Total noninterest income | $136,000 | 6,298 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $124,000 | 4,504 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $12,000 | 7,778 |
| Total noninterest expense | $622,000 | 7,316 |
| Salaries and employee benefits | $343,000 | 7,327 |
| Premises and equipment expense | $116,000 | 6,453 |
| Additional noninterest expense | $163,000 | 7,439 |
| Pre-tax net operating income | $303,000 | 6,016 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $98,000 | 4,148 |
| Income before extraordinary items | $205,000 | 6,335 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $205,000 | 6,334 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $205,000 | 6,331 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $716,000 | 7,042 |
| Total interest expense | $310,000 | 6,848 |
| Net interest income | $406,000 | 7,065 |
| Provision for loan and lease losses | $16,000 | 4,567 |
| Total noninterest income | $65,000 | 6,376 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $59,000 | 4,564 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $6,000 | 7,790 |
| Total noninterest expense | $310,000 | 7,363 |
| Salaries and employee benefits | $174,000 | 7,335 |
| Premises and equipment expense | $56,000 | 6,566 |
| Additional noninterest expense | $80,000 | 7,484 |
| Pre-tax net operating income | $145,000 | 6,112 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $44,000 | 4,256 |
| Income before extraordinary items | $101,000 | 6,385 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $101,000 | 6,384 |
| 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 | $101,000 | 6,367 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $2,629,000 | 7,047 |
| Total interest expense | $1,065,000 | 6,811 |
| Net interest income | $1,564,000 | 7,102 |
| Provision for loan and lease losses | $21,000 | 6,273 |
| Total noninterest income | $296,000 | 6,210 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $253,000 | 4,468 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $43,000 | 7,400 |
| Total noninterest expense | $1,165,000 | 7,447 |
| Salaries and employee benefits | $635,000 | 7,487 |
| Premises and equipment expense | $211,000 | 6,607 |
| Additional noninterest expense | $319,000 | 7,481 |
| Pre-tax net operating income | $674,000 | 5,983 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $230,000 | 4,147 |
| Income before extraordinary items | $444,000 | 6,350 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $444,000 | 6,352 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,843 |
| Cash dividends | $90,000 | 5,496 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $444,000 | 6,347 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,926,000 | 7,133 |
| Total interest expense | $772,000 | 6,859 |
| Net interest income | $1,154,000 | 7,205 |
| Provision for loan and lease losses | $15,000 | 6,184 |
| Total noninterest income | $210,000 | 6,359 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $184,000 | 4,577 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $26,000 | 7,656 |
| Total noninterest expense | $880,000 | 7,437 |
| Salaries and employee benefits | $479,000 | 7,467 |
| Premises and equipment expense | $153,000 | 6,716 |
| Additional noninterest expense | $248,000 | 7,430 |
| Pre-tax net operating income | $469,000 | 6,356 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $157,000 | 4,428 |
| Income before extraordinary items | $312,000 | 6,666 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $312,000 | 6,666 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,187 |
| Cash dividends | $90,000 | 4,802 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $312,000 | 6,667 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,230,000 | 7,217 |
| Total interest expense | $478,000 | 6,941 |
| Net interest income | $752,000 | 7,290 |
| Provision for loan and lease losses | $9,000 | 6,053 |
| Total noninterest income | $156,000 | 6,166 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $138,000 | 4,312 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $18,000 | 7,655 |
| Total noninterest expense | $581,000 | 7,489 |
| Salaries and employee benefits | $315,000 | 7,532 |
| Premises and equipment expense | $103,000 | 6,692 |
| Additional noninterest expense | $163,000 | 7,480 |
| Pre-tax net operating income | $318,000 | 6,344 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $109,000 | 4,411 |
| Income before extraordinary items | $209,000 | 6,686 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $209,000 | 6,687 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,673 |
| Cash dividends | $90,000 | 4,469 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $209,000 | 6,689 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $584,000 | 7,316 |
| Total interest expense | $222,000 | 7,031 |
| Net interest income | $362,000 | 7,380 |
| Provision for loan and lease losses | $3,000 | 5,795 |
| Total noninterest income | $80,000 | 6,074 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $69,000 | 4,247 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $11,000 | 7,462 |
| Total noninterest expense | $280,000 | 7,575 |
| Salaries and employee benefits | $151,000 | 7,617 |
| Premises and equipment expense | $52,000 | 6,673 |
| Additional noninterest expense | $77,000 | 7,578 |
| Pre-tax net operating income | $159,000 | 6,292 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $54,000 | 4,401 |
| Income before extraordinary items | $105,000 | 6,660 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $105,000 | 6,661 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 3,605 |
| Cash dividends | $90,000 | 3,212 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $105,000 | 6,651 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,086,000 | 7,371 |
| Total interest expense | $733,000 | 6,947 |
| Net interest income | $1,353,000 | 7,491 |
| Provision for loan and lease losses | $3,000 | 7,042 |
| Total noninterest income | $229,000 | 6,831 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $193,000 | 5,107 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $36,000 | 7,717 |
| Total noninterest expense | $1,108,000 | 7,554 |
| Salaries and employee benefits | $598,000 | 7,626 |
| Premises and equipment expense | $211,000 | 6,624 |
| Additional noninterest expense | $299,000 | 7,660 |
| Pre-tax net operating income | $471,000 | 6,845 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $153,000 | 4,973 |
| Income before extraordinary items | $318,000 | 7,104 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $318,000 | 7,105 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $318,000 | 7,080 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,524,000 | 7,437 |
| Total interest expense | $530,000 | 6,962 |
| Net interest income | $994,000 | 7,571 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $159,000 | 6,996 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $130,000 | 5,367 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $29,000 | 7,683 |
| Total noninterest expense | $841,000 | 7,526 |
| Salaries and employee benefits | $458,000 | 7,552 |
| Premises and equipment expense | $159,000 | 6,581 |
| Additional noninterest expense | $224,000 | 7,658 |
| Pre-tax net operating income | $312,000 | 7,153 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $102,000 | 5,224 |
| Income before extraordinary items | $210,000 | 7,393 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $210,000 | 7,395 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $210,000 | 7,358 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $992,000 | 7,467 |
| Total interest expense | $336,000 | 6,979 |
| Net interest income | $656,000 | 7,599 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $87,000 | 7,281 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $70,000 | 5,724 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $17,000 | 7,791 |
| Total noninterest expense | $565,000 | 7,517 |
| Salaries and employee benefits | $310,000 | 7,537 |
| Premises and equipment expense | $108,000 | 6,532 |
| Additional noninterest expense | $147,000 | 7,662 |
| Pre-tax net operating income | $178,000 | 7,351 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $58,000 | 5,391 |
| Income before extraordinary items | $120,000 | 7,588 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $120,000 | 7,588 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,029 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $120,000 | 7,545 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $485,000 | 7,554 |
| Total interest expense | $160,000 | 7,042 |
| Net interest income | $325,000 | 7,674 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $42,000 | 7,346 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $34,000 | 5,761 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $8,000 | 7,922 |
| Total noninterest expense | $269,000 | 7,665 |
| Salaries and employee benefits | $144,000 | 7,735 |
| Premises and equipment expense | $56,000 | 6,500 |
| Additional noninterest expense | $69,000 | 7,823 |
| Pre-tax net operating income | $98,000 | 7,251 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $32,000 | 5,242 |
| Income before extraordinary items | $66,000 | 7,497 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $66,000 | 7,496 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,095 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $66,000 | 7,471 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,728,000 | 7,661 |
| Total interest expense | $570,000 | 7,061 |
| Net interest income | $1,158,000 | 7,807 |
| Provision for loan and lease losses | $17,000 | 6,824 |
| Total noninterest income | $159,000 | 7,525 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $118,000 | 6,202 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $41,000 | 7,647 |
| Total noninterest expense | $1,025,000 | 7,763 |
| Salaries and employee benefits | $554,000 | 7,825 |
| Premises and equipment expense | $198,000 | 6,793 |
| Additional noninterest expense | $273,000 | 7,865 |
| Pre-tax net operating income | $275,000 | 7,528 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $90,000 | 5,619 |
| Income before extraordinary items | $185,000 | 7,721 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $185,000 | 7,721 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,099 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $185,000 | 7,682 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,276,000 | 7,723 |
| Total interest expense | $418,000 | 7,107 |
| Net interest income | $858,000 | 7,852 |
| Provision for loan and lease losses | $17,000 | 6,493 |
| Total noninterest income | $109,000 | 7,681 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $88,000 | 6,250 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $21,000 | 8,029 |
| Total noninterest expense | $754,000 | 7,770 |
| Salaries and employee benefits | $414,000 | 7,785 |
| Premises and equipment expense | $131,000 | 7,018 |
| Additional noninterest expense | $209,000 | 7,834 |
| Pre-tax net operating income | $196,000 | 7,717 |
| Securities gains (losses) | $1,000 | 3,538 |
| Applicable income taxes | $64,000 | 5,778 |
| Income before extraordinary items | $133,000 | 7,894 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $133,000 | 7,897 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 5,550 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $132,320 | 7,851 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $846,000 | 7,786 |
| Total interest expense | $274,000 | 7,183 |
| Net interest income | $572,000 | 7,900 |
| Provision for loan and lease losses | $16,000 | 6,067 |
| Total noninterest income | $76,000 | 7,672 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $60,000 | 6,233 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $16,000 | 7,964 |
| Total noninterest expense | $504,000 | 7,813 |
| Salaries and employee benefits | $277,000 | 7,846 |
| Premises and equipment expense | $85,000 | 7,103 |
| Additional noninterest expense | $142,000 | 7,835 |
| Pre-tax net operating income | $128,000 | 7,704 |
| Securities gains (losses) | $1,000 | 3,212 |
| Applicable income taxes | $42,000 | 5,789 |
| Income before extraordinary items | $87,000 | 7,911 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $87,000 | 7,912 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 4,658 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $86,330 | 7,859 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $426,000 | 7,798 |
| Total interest expense | $135,000 | 7,269 |
| Net interest income | $291,000 | 7,899 |
| Provision for loan and lease losses | $8,000 | 5,831 |
| Total noninterest income | $37,000 | 7,710 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $27,000 | 6,373 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $10,000 | 7,740 |
| Total noninterest expense | $253,000 | 7,863 |
| Salaries and employee benefits | $138,000 | 7,872 |
| Premises and equipment expense | $44,000 | 7,051 |
| Additional noninterest expense | $71,000 | 7,861 |
| Pre-tax net operating income | $67,000 | 7,658 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $21,000 | 5,742 |
| Income before extraordinary items | $46,000 | 7,858 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $46,000 | 7,857 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 3,876 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $46,000 | 7,799 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,659,000 | 7,903 |
| Total interest expense | $606,000 | 7,366 |
| Net interest income | $1,053,000 | 8,031 |
| Provision for loan and lease losses | $25,000 | 6,896 |
| Total noninterest income | $145,000 | 7,861 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $113,000 | 6,360 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $32,000 | 8,051 |
| Total noninterest expense | $931,000 | 8,019 |
| Salaries and employee benefits | $492,000 | 8,106 |
| Premises and equipment expense | $181,000 | 7,014 |
| Additional noninterest expense | $258,000 | 8,046 |
| Pre-tax net operating income | $242,000 | 7,667 |
| Securities gains (losses) | $4,000 | 3,987 |
| Applicable income taxes | $79,000 | 5,941 |
| Income before extraordinary items | $167,000 | 7,928 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $167,000 | 7,929 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,204 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $164,280 | 7,817 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,241,000 | 8,005 |
| Total interest expense | $468,000 | 7,460 |
| Net interest income | $773,000 | 8,129 |
| Provision for loan and lease losses | $21,000 | 6,714 |
| Total noninterest income | $106,000 | 7,949 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $82,000 | 6,466 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $24,000 | 8,092 |
| Total noninterest expense | $680,000 | 8,063 |
| Salaries and employee benefits | $360,000 | 8,149 |
| Premises and equipment expense | $133,000 | 7,071 |
| Additional noninterest expense | $187,000 | 8,116 |
| Pre-tax net operating income | $178,000 | 7,832 |
| Securities gains (losses) | $4,000 | 3,690 |
| Applicable income taxes | $58,000 | 6,101 |
| Income before extraordinary items | $124,000 | 8,073 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $124,000 | 8,077 |
| 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 | $121,280 | 7,957 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $814,000 | 8,092 |
| Total interest expense | $323,000 | 7,498 |
| Net interest income | $491,000 | 8,233 |
| Provision for loan and lease losses | $16,000 | 6,529 |
| Total noninterest income | $64,000 | 8,066 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $49,000 | 6,621 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $15,000 | 8,141 |
| Total noninterest expense | $449,000 | 8,104 |
| Salaries and employee benefits | $238,000 | 8,178 |
| Premises and equipment expense | $85,000 | 7,152 |
| Additional noninterest expense | $126,000 | 8,097 |
| Pre-tax net operating income | $90,000 | 8,088 |
| Securities gains (losses) | $4,000 | 3,287 |
| Applicable income taxes | $32,000 | 6,289 |
| Income before extraordinary items | $62,000 | 8,318 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $62,000 | 8,319 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,160 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $59,360 | 8,213 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $407,000 | 8,142 |
| Total interest expense | $167,000 | 7,527 |
| Net interest income | $240,000 | 8,308 |
| Provision for loan and lease losses | $11,000 | 6,010 |
| Total noninterest income | $28,000 | 8,245 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $23,000 | 6,666 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $5,000 | 8,460 |
| Total noninterest expense | $220,000 | 8,175 |
| Salaries and employee benefits | $115,000 | 8,280 |
| Premises and equipment expense | $42,000 | 7,220 |
| Additional noninterest expense | $63,000 | 8,130 |
| Pre-tax net operating income | $37,000 | 8,200 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $9,000 | 6,623 |
| Income before extraordinary items | $28,000 | 8,320 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $28,000 | 8,319 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $28,000 | 8,193 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,664,000 | 8,203 |
| Total interest expense | $757,000 | 7,647 |
| Net interest income | $907,000 | 8,412 |
| Provision for loan and lease losses | $42,000 | 6,887 |
| Total noninterest income | $113,000 | 8,249 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $70,000 | 7,133 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $43,000 | 7,790 |
| Total noninterest expense | $798,000 | 8,353 |
| Salaries and employee benefits | $407,000 | 8,491 |
| Premises and equipment expense | $140,000 | 7,578 |
| Additional noninterest expense | $251,000 | 8,167 |
| Pre-tax net operating income | $180,000 | 8,002 |
| Securities gains (losses) | $1,000 | 4,369 |
| Applicable income taxes | $54,000 | 6,479 |
| Income before extraordinary items | $127,000 | 8,206 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $127,000 | 8,207 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,119 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $126,300 | 8,108 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,735,000 | 8,491 |
| Total interest expense | $914,000 | 8,184 |
| Net interest income | $821,000 | 8,624 |
| Provision for loan and lease losses | $20,000 | 7,552 |
| Total noninterest income | $93,000 | 8,613 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $55,000 | 7,493 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $38,000 | 8,088 |
| Total noninterest expense | $729,000 | 8,609 |
| Salaries and employee benefits | $327,000 | 8,950 |
| Premises and equipment expense | $105,000 | 8,216 |
| Additional noninterest expense | $297,000 | 7,880 |
| Pre-tax net operating income | $165,000 | 8,043 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $50,000 | 6,706 |
| Income before extraordinary items | $115,000 | 8,240 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $115,000 | 8,238 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,336 |
| Cash dividends | $25,000 | 6,381 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $115,000 | 8,132 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,570,000 | 8,879 |
| Total interest expense | $750,000 | 8,755 |
| Net interest income | $820,000 | 8,852 |
| Provision for loan and lease losses | $13,000 | 7,828 |
| Total noninterest income | $119,000 | 8,319 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $45,000 | 7,748 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $74,000 | 7,070 |
| Total noninterest expense | $747,000 | 8,710 |
| Salaries and employee benefits | $341,000 | 9,051 |
| Premises and equipment expense | $89,000 | 8,632 |
| Additional noninterest expense | $317,000 | 7,810 |
| Pre-tax net operating income | $179,000 | 8,450 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $47,000 | 7,287 |
| Income before extraordinary items | $132,000 | 8,515 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $132,000 | 8,513 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $125,000 | 5,708 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $132,000 | 8,509 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,332,000 | 9,273 |
| Total interest expense | $599,000 | 9,212 |
| Net interest income | $733,000 | 9,211 |
| Provision for loan and lease losses | $13,000 | 7,957 |
| Total noninterest income | $133,000 | 8,339 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $39,000 | 8,095 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $94,000 | 6,776 |
| Total noninterest expense | $700,000 | 9,034 |
| Salaries and employee benefits | $339,000 | 9,257 |
| Premises and equipment expense | $68,000 | 9,271 |
| Additional noninterest expense | $293,000 | 8,172 |
| Pre-tax net operating income | $153,000 | 8,792 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $45,000 | 7,725 |
| Income before extraordinary items | $108,000 | 8,905 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $108,000 | 8,902 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $85,000 | 6,243 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $108,000 | 8,873 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,055,000 | 9,804 |
| Total interest expense | $502,000 | 9,690 |
| Net interest income | $553,000 | 9,818 |
| Provision for loan and lease losses | $66,000 | 5,965 |
| Total noninterest income | $125,000 | 8,621 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $22,000 | 8,673 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $103,000 | 6,565 |
| Total noninterest expense | $587,000 | 9,486 |
| Salaries and employee benefits | $291,000 | 9,664 |
| Premises and equipment expense | $49,000 | 9,838 |
| Additional noninterest expense | $247,000 | 8,632 |
| Pre-tax net operating income | $25,000 | 9,701 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $6,000 | 9,185 |
| Income before extraordinary items | $19,000 | 9,761 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $19,000 | 9,759 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $2,800,000 | 346 |
| Net operating income | $19,000 | 9,705 |
* 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.