Home > Napoleon Bank > Income and Expense
Napoleon Bank, Income and Expense
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $258,000 | 6,672 |
| Total interest expense | $10,000 | 6,910 |
| Net interest income | $248,000 | 6,604 |
| Provision for loan and lease losses | $0 | 4,409 |
| Total noninterest income | $19,000 | 6,501 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $10,000 | 6,250 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $9,000 | 6,201 |
| Total noninterest expense | $254,000 | 6,485 |
| Salaries and employee benefits | $139,000 | 6,464 |
| Premises and equipment expense | $36,000 | 6,088 |
| Additional noninterest expense | $79,000 | 6,476 |
| Pre-tax net operating income | $13,000 | 6,224 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $1,000 | 4,491 |
| Income before extraordinary items | $12,000 | 6,299 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $12,000 | 6,300 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $12,000 | 6,300 |
| Net charge-offs | $1,000 | 4,010 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $12,000 | 6,222 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $1,109,000 | 6,719 |
| Total interest expense | $44,000 | 6,996 |
| Net interest income | $1,065,000 | 6,641 |
| Provision for loan and lease losses | $0 | 5,905 |
| Total noninterest income | $67,000 | 6,534 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $47,000 | 6,271 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $20,000 | 6,264 |
| Total noninterest expense | $915,000 | 6,654 |
| Salaries and employee benefits | $650,000 | 6,364 |
| Premises and equipment expense | $94,000 | 6,571 |
| Additional noninterest expense | $171,000 | 6,937 |
| Pre-tax net operating income | $217,000 | 5,643 |
| Securities gains (losses) | $0 | 3,810 |
| Applicable income taxes | $27,000 | 4,099 |
| Income before extraordinary items | $190,000 | 5,819 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $190,000 | 5,817 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $190,000 | 5,818 |
| Net charge-offs | $-3,000 | 6,454 |
| Cash dividends | $1,002,000 | 1,926 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $190,000 | 5,641 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $839,000 | 6,819 |
| Total interest expense | $34,000 | 7,101 |
| Net interest income | $805,000 | 6,737 |
| Provision for loan and lease losses | $0 | 5,790 |
| Total noninterest income | $49,000 | 6,654 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $34,000 | 6,378 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $15,000 | 6,406 |
| Total noninterest expense | $651,000 | 6,775 |
| Salaries and employee benefits | $456,000 | 6,503 |
| Premises and equipment expense | $77,000 | 6,579 |
| Additional noninterest expense | $118,000 | 7,051 |
| Pre-tax net operating income | $203,000 | 5,671 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $15,000 | 4,256 |
| Income before extraordinary items | $188,000 | 5,776 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $188,000 | 5,775 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $188,000 | 5,775 |
| Net charge-offs | $2,000 | 5,642 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $188,000 | 5,594 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $564,000 | 6,880 |
| Total interest expense | $23,000 | 7,167 |
| Net interest income | $541,000 | 6,791 |
| Provision for loan and lease losses | $0 | 5,619 |
| Total noninterest income | $31,000 | 6,729 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $22,000 | 6,442 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $9,000 | 6,480 |
| Total noninterest expense | $430,000 | 6,844 |
| Salaries and employee benefits | $310,000 | 6,532 |
| Premises and equipment expense | $51,000 | 6,624 |
| Additional noninterest expense | $69,000 | 7,147 |
| Pre-tax net operating income | $142,000 | 5,637 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $19,000 | 4,020 |
| Income before extraordinary items | $123,000 | 5,811 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $123,000 | 5,810 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $123,000 | 5,810 |
| Net charge-offs | $2,000 | 5,336 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $123,000 | 5,626 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $283,000 | 6,931 |
| Total interest expense | $12,000 | 7,228 |
| Net interest income | $271,000 | 6,836 |
| Provision for loan and lease losses | $0 | 5,254 |
| Total noninterest income | $15,000 | 6,801 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $10,000 | 6,521 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $5,000 | 6,528 |
| Total noninterest expense | $216,000 | 6,892 |
| Salaries and employee benefits | $156,000 | 6,584 |
| Premises and equipment expense | $16,000 | 6,969 |
| Additional noninterest expense | $44,000 | 7,129 |
| Pre-tax net operating income | $70,000 | 5,725 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $8,000 | 4,083 |
| Income before extraordinary items | $62,000 | 5,849 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $62,000 | 5,849 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $62,000 | 5,849 |
| Net charge-offs | $3,000 | 4,432 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $62,000 | 5,698 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $1,196,000 | 6,964 |
| Total interest expense | $60,000 | 7,273 |
| Net interest income | $1,136,000 | 6,828 |
| Provision for loan and lease losses | $0 | 6,496 |
| Total noninterest income | $73,000 | 6,631 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $47,000 | 6,378 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $26,000 | 6,276 |
| Total noninterest expense | $906,000 | 6,935 |
| Salaries and employee benefits | $623,000 | 6,643 |
| Premises and equipment expense | $106,000 | 6,781 |
| Additional noninterest expense | $177,000 | 7,190 |
| Pre-tax net operating income | $303,000 | 5,229 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $54,000 | 3,727 |
| Income before extraordinary items | $249,000 | 5,401 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $249,000 | 5,402 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $249,000 | 5,402 |
| Net charge-offs | $13,000 | 6,026 |
| Cash dividends | $60,000 | 3,926 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $249,000 | 5,285 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $918,000 | 7,020 |
| Total interest expense | $47,000 | 7,342 |
| Net interest income | $871,000 | 6,870 |
| Provision for loan and lease losses | $0 | 6,393 |
| Total noninterest income | $58,000 | 6,692 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $36,000 | 6,397 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $22,000 | 6,346 |
| Total noninterest expense | $654,000 | 7,013 |
| Salaries and employee benefits | $463,000 | 6,675 |
| Premises and equipment expense | $82,000 | 6,787 |
| Additional noninterest expense | $109,000 | 7,320 |
| Pre-tax net operating income | $275,000 | 5,209 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $43,000 | 3,704 |
| Income before extraordinary items | $232,000 | 5,367 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $232,000 | 5,367 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $232,000 | 5,367 |
| Net charge-offs | $-1,000 | 6,695 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $232,000 | 5,228 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $612,000 | 7,087 |
| Total interest expense | $33,000 | 7,411 |
| Net interest income | $579,000 | 6,920 |
| Provision for loan and lease losses | $0 | 6,217 |
| Total noninterest income | $32,000 | 6,875 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $23,000 | 6,439 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $9,000 | 6,628 |
| Total noninterest expense | $439,000 | 7,073 |
| Salaries and employee benefits | $307,000 | 6,758 |
| Premises and equipment expense | $52,000 | 6,890 |
| Additional noninterest expense | $80,000 | 7,373 |
| Pre-tax net operating income | $172,000 | 5,282 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $38,000 | 3,523 |
| Income before extraordinary items | $134,000 | 5,462 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $134,000 | 5,461 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $134,000 | 5,462 |
| Net charge-offs | $0 | 5,875 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $134,000 | 5,373 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $300,000 | 7,153 |
| Total interest expense | $18,000 | 7,469 |
| Net interest income | $282,000 | 6,982 |
| Provision for loan and lease losses | $0 | 5,840 |
| Total noninterest income | $16,000 | 6,946 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $12,000 | 6,371 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $4,000 | 6,784 |
| Total noninterest expense | $233,000 | 7,066 |
| Salaries and employee benefits | $153,000 | 6,804 |
| Premises and equipment expense | $21,000 | 7,090 |
| Additional noninterest expense | $59,000 | 7,222 |
| Pre-tax net operating income | $65,000 | 5,553 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $12,000 | 3,703 |
| Income before extraordinary items | $53,000 | 5,650 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $53,000 | 5,649 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $53,000 | 5,650 |
| Net charge-offs | $0 | 5,107 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $53,000 | 5,606 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $1,348,000 | 7,156 |
| Total interest expense | $117,000 | 7,496 |
| Net interest income | $1,231,000 | 6,948 |
| Provision for loan and lease losses | $0 | 7,042 |
| Total noninterest income | $72,000 | 6,905 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $51,000 | 6,211 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $21,000 | 6,580 |
| Total noninterest expense | $961,000 | 7,116 |
| Salaries and employee benefits | $646,000 | 6,812 |
| Premises and equipment expense | $105,000 | 7,011 |
| Additional noninterest expense | $210,000 | 7,387 |
| Pre-tax net operating income | $342,000 | 4,782 |
| Securities gains (losses) | $1,000 | 3,687 |
| Applicable income taxes | $72,000 | 3,431 |
| Income before extraordinary items | $271,000 | 5,046 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $271,000 | 5,049 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $271,000 | 5,049 |
| Net charge-offs | $5,000 | 6,697 |
| Cash dividends | $60,000 | 3,901 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $270,210 | 4,902 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $1,038,000 | 7,230 |
| Total interest expense | $95,000 | 7,597 |
| Net interest income | $943,000 | 7,023 |
| Provision for loan and lease losses | $0 | 6,977 |
| Total noninterest income | $58,000 | 6,998 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $39,000 | 6,285 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $19,000 | 6,686 |
| Total noninterest expense | $725,000 | 7,183 |
| Salaries and employee benefits | $519,000 | 6,748 |
| Premises and equipment expense | $70,000 | 7,197 |
| Additional noninterest expense | $136,000 | 7,547 |
| Pre-tax net operating income | $276,000 | 4,944 |
| Securities gains (losses) | $1,000 | 3,533 |
| Applicable income taxes | $62,000 | 3,444 |
| Income before extraordinary items | $215,000 | 5,233 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $215,000 | 5,235 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $215,000 | 5,236 |
| Net charge-offs | $4,000 | 6,473 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $214,220 | 5,071 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $698,000 | 7,285 |
| Total interest expense | $69,000 | 7,647 |
| Net interest income | $629,000 | 7,065 |
| Provision for loan and lease losses | $0 | 6,857 |
| Total noninterest income | $42,000 | 6,986 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $28,000 | 6,254 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $14,000 | 6,676 |
| Total noninterest expense | $487,000 | 7,236 |
| Salaries and employee benefits | $346,000 | 6,803 |
| Premises and equipment expense | $42,000 | 7,335 |
| Additional noninterest expense | $99,000 | 7,571 |
| Pre-tax net operating income | $184,000 | 5,021 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $42,000 | 3,401 |
| Income before extraordinary items | $142,000 | 5,266 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $142,000 | 5,269 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $142,000 | 5,268 |
| Net charge-offs | $0 | 6,372 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $142,000 | 5,112 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $354,000 | 7,384 |
| Total interest expense | $37,000 | 7,743 |
| Net interest income | $317,000 | 7,137 |
| Provision for loan and lease losses | $0 | 6,552 |
| Total noninterest income | $24,000 | 6,949 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $14,000 | 6,285 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $10,000 | 6,608 |
| Total noninterest expense | $256,000 | 7,262 |
| Salaries and employee benefits | $170,000 | 6,925 |
| Premises and equipment expense | $18,000 | 7,509 |
| Additional noninterest expense | $68,000 | 7,418 |
| Pre-tax net operating income | $85,000 | 5,225 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $25,000 | 3,295 |
| Income before extraordinary items | $60,000 | 5,539 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $60,000 | 5,541 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $60,000 | 5,540 |
| Net charge-offs | $0 | 5,610 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $60,000 | 5,442 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $1,626,000 | 7,333 |
| Total interest expense | $236,000 | 7,716 |
| Net interest income | $1,390,000 | 7,026 |
| Provision for loan and lease losses | $0 | 7,427 |
| Total noninterest income | $74,000 | 7,198 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $59,000 | 6,342 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $15,000 | 7,069 |
| Total noninterest expense | $1,027,000 | 7,348 |
| Salaries and employee benefits | $677,000 | 7,027 |
| Premises and equipment expense | $127,000 | 7,127 |
| Additional noninterest expense | $223,000 | 7,671 |
| Pre-tax net operating income | $437,000 | 4,137 |
| Securities gains (losses) | $17,000 | 3,102 |
| Applicable income taxes | $115,000 | 2,789 |
| Income before extraordinary items | $339,000 | 4,352 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $339,000 | 4,352 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $339,000 | 4,353 |
| Net charge-offs | $19,000 | 6,679 |
| Cash dividends | $60,000 | 4,356 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $326,250 | 4,314 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $1,254,000 | 7,386 |
| Total interest expense | $192,000 | 7,772 |
| Net interest income | $1,062,000 | 7,042 |
| Provision for loan and lease losses | $0 | 7,284 |
| Total noninterest income | $54,000 | 7,353 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $43,000 | 6,412 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $11,000 | 7,238 |
| Total noninterest expense | $757,000 | 7,416 |
| Salaries and employee benefits | $534,000 | 6,969 |
| Premises and equipment expense | $95,000 | 7,189 |
| Additional noninterest expense | $128,000 | 7,891 |
| Pre-tax net operating income | $359,000 | 4,322 |
| Securities gains (losses) | $12,000 | 2,919 |
| Applicable income taxes | $51,000 | 3,315 |
| Income before extraordinary items | $320,000 | 4,349 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $320,000 | 4,345 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $320,000 | 4,348 |
| Net charge-offs | $-3,000 | 7,743 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $309,680 | 4,329 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $851,000 | 7,427 |
| Total interest expense | $137,000 | 7,842 |
| Net interest income | $714,000 | 7,063 |
| Provision for loan and lease losses | $0 | 7,158 |
| Total noninterest income | $35,000 | 7,427 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $28,000 | 6,462 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $7,000 | 7,375 |
| Total noninterest expense | $515,000 | 7,464 |
| Salaries and employee benefits | $358,000 | 7,039 |
| Premises and equipment expense | $58,000 | 7,366 |
| Additional noninterest expense | $99,000 | 7,889 |
| Pre-tax net operating income | $234,000 | 4,448 |
| Securities gains (losses) | $11,000 | 2,552 |
| Applicable income taxes | $32,000 | 3,439 |
| Income before extraordinary items | $213,000 | 4,462 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $213,000 | 4,459 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $213,000 | 4,459 |
| Net charge-offs | $-1,000 | 7,516 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $203,430 | 4,420 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $435,000 | 7,449 |
| Total interest expense | $72,000 | 7,886 |
| Net interest income | $363,000 | 7,056 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $16,000 | 7,562 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $13,000 | 6,516 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $3,000 | 7,508 |
| Total noninterest expense | $263,000 | 7,457 |
| Salaries and employee benefits | $182,000 | 7,039 |
| Premises and equipment expense | $28,000 | 7,445 |
| Additional noninterest expense | $53,000 | 7,798 |
| Pre-tax net operating income | $116,000 | 4,859 |
| Securities gains (losses) | $11,000 | 1,882 |
| Applicable income taxes | $19,000 | 3,607 |
| Income before extraordinary items | $108,000 | 4,842 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $108,000 | 4,847 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $108,000 | 4,845 |
| Net charge-offs | $0 | 5,728 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $98,650 | 4,828 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $1,976,000 | 7,352 |
| Total interest expense | $580,000 | 7,542 |
| Net interest income | $1,396,000 | 7,130 |
| Provision for loan and lease losses | $60,000 | 6,432 |
| Total noninterest income | $73,000 | 7,551 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $58,000 | 6,519 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $15,000 | 7,562 |
| Total noninterest expense | $977,000 | 7,574 |
| Salaries and employee benefits | $698,000 | 7,160 |
| Premises and equipment expense | $103,000 | 7,589 |
| Additional noninterest expense | $176,000 | 7,975 |
| Pre-tax net operating income | $432,000 | 5,063 |
| Securities gains (losses) | $51,000 | 1,583 |
| Applicable income taxes | $123,000 | 3,222 |
| Income before extraordinary items | $360,000 | 4,875 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $360,000 | 4,874 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 5,243 |
| Cash dividends | $60,000 | 5,180 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $321,750 | 5,170 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $1,517,000 | 7,402 |
| Total interest expense | $474,000 | 7,562 |
| Net interest income | $1,043,000 | 7,192 |
| Provision for loan and lease losses | $40,000 | 6,090 |
| Total noninterest income | $56,000 | 7,680 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $44,000 | 6,559 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $12,000 | 7,702 |
| Total noninterest expense | $748,000 | 7,574 |
| Salaries and employee benefits | $557,000 | 7,063 |
| Premises and equipment expense | $91,000 | 7,459 |
| Additional noninterest expense | $100,000 | 8,182 |
| Pre-tax net operating income | $311,000 | 5,594 |
| Securities gains (losses) | $51,000 | 1,403 |
| Applicable income taxes | $83,000 | 3,748 |
| Income before extraordinary items | $279,000 | 5,313 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $279,000 | 5,311 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 4,748 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $239,730 | 5,681 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,021,000 | 7,458 |
| Total interest expense | $342,000 | 7,581 |
| Net interest income | $679,000 | 7,256 |
| Provision for loan and lease losses | $40,000 | 5,379 |
| Total noninterest income | $39,000 | 7,710 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $31,000 | 6,533 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $8,000 | 7,784 |
| Total noninterest expense | $499,000 | 7,622 |
| Salaries and employee benefits | $378,000 | 7,073 |
| Premises and equipment expense | $44,000 | 7,818 |
| Additional noninterest expense | $77,000 | 8,161 |
| Pre-tax net operating income | $179,000 | 5,950 |
| Securities gains (losses) | $51,000 | 1,432 |
| Applicable income taxes | $34,000 | 4,347 |
| Income before extraordinary items | $196,000 | 5,637 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $196,000 | 5,638 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 3,943 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $152,650 | 5,897 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $534,000 | 7,468 |
| Total interest expense | $196,000 | 7,523 |
| Net interest income | $338,000 | 7,310 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $20,000 | 7,703 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $16,000 | 6,480 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $4,000 | 7,805 |
| Total noninterest expense | $273,000 | 7,532 |
| Salaries and employee benefits | $192,000 | 7,087 |
| Premises and equipment expense | $25,000 | 7,727 |
| Additional noninterest expense | $56,000 | 7,888 |
| Pre-tax net operating income | $85,000 | 6,182 |
| Securities gains (losses) | $48,000 | 1,107 |
| Applicable income taxes | $44,000 | 3,700 |
| Income before extraordinary items | $89,000 | 5,986 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $89,000 | 5,988 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $56,840 | 6,389 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $2,486,000 | 7,219 |
| Total interest expense | $1,037,000 | 7,107 |
| Net interest income | $1,449,000 | 7,188 |
| Provision for loan and lease losses | $50,000 | 5,648 |
| Total noninterest income | $82,000 | 7,735 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $69,000 | 6,461 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $13,000 | 7,982 |
| Total noninterest expense | $1,123,000 | 7,477 |
| Salaries and employee benefits | $748,000 | 7,126 |
| Premises and equipment expense | $150,000 | 7,243 |
| Additional noninterest expense | $225,000 | 7,913 |
| Pre-tax net operating income | $358,000 | 6,400 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $91,000 | 4,544 |
| Income before extraordinary items | $267,000 | 6,539 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $267,000 | 6,538 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 4,799 |
| Cash dividends | $60,000 | 5,541 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $267,000 | 6,523 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,893,000 | 7,236 |
| Total interest expense | $797,000 | 7,099 |
| Net interest income | $1,096,000 | 7,218 |
| Provision for loan and lease losses | $20,000 | 5,830 |
| Total noninterest income | $61,000 | 7,796 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $51,000 | 6,513 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $10,000 | 8,023 |
| Total noninterest expense | $754,000 | 7,622 |
| Salaries and employee benefits | $556,000 | 7,110 |
| Premises and equipment expense | $91,000 | 7,517 |
| Additional noninterest expense | $107,000 | 8,291 |
| Pre-tax net operating income | $383,000 | 6,225 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $66,000 | 4,763 |
| Income before extraordinary items | $317,000 | 6,225 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $317,000 | 6,222 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,905 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $317,000 | 6,216 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,253,000 | 7,280 |
| Total interest expense | $522,000 | 7,147 |
| Net interest income | $731,000 | 7,266 |
| Provision for loan and lease losses | $20,000 | 5,312 |
| Total noninterest income | $42,000 | 7,820 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $35,000 | 6,515 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $7,000 | 8,056 |
| Total noninterest expense | $496,000 | 7,699 |
| Salaries and employee benefits | $370,000 | 7,166 |
| Premises and equipment expense | $44,000 | 7,907 |
| Additional noninterest expense | $82,000 | 8,225 |
| Pre-tax net operating income | $257,000 | 6,309 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $42,000 | 4,880 |
| Income before extraordinary items | $215,000 | 6,260 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $215,000 | 6,259 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,113 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $215,000 | 6,252 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $617,000 | 7,333 |
| Total interest expense | $258,000 | 7,194 |
| Net interest income | $359,000 | 7,340 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $22,000 | 7,786 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $19,000 | 6,411 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $3,000 | 8,103 |
| Total noninterest expense | $269,000 | 7,628 |
| Salaries and employee benefits | $183,000 | 7,229 |
| Premises and equipment expense | $25,000 | 7,791 |
| Additional noninterest expense | $61,000 | 7,856 |
| Pre-tax net operating income | $112,000 | 6,520 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $30,000 | 4,619 |
| Income before extraordinary items | $82,000 | 6,678 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $82,000 | 6,677 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,049 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $82,000 | 6,665 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $2,257,000 | 7,338 |
| Total interest expense | $923,000 | 7,085 |
| Net interest income | $1,334,000 | 7,398 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $98,000 | 7,752 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $78,000 | 6,470 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $20,000 | 7,978 |
| Total noninterest expense | $1,078,000 | 7,585 |
| Salaries and employee benefits | $751,000 | 7,117 |
| Premises and equipment expense | $105,000 | 7,738 |
| Additional noninterest expense | $222,000 | 7,999 |
| Pre-tax net operating income | $354,000 | 6,941 |
| Securities gains (losses) | $-1,000 | 6,756 |
| Applicable income taxes | $76,000 | 5,174 |
| Income before extraordinary items | $277,000 | 7,004 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $277,000 | 7,004 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,935 |
| Cash dividends | $60,000 | 5,631 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $277,780 | 6,998 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,630,000 | 7,457 |
| Total interest expense | $678,000 | 7,113 |
| Net interest income | $952,000 | 7,560 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $76,000 | 7,802 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $58,000 | 6,554 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $18,000 | 7,902 |
| Total noninterest expense | $747,000 | 7,717 |
| Salaries and employee benefits | $558,000 | 7,130 |
| Premises and equipment expense | $77,000 | 7,801 |
| Additional noninterest expense | $112,000 | 8,401 |
| Pre-tax net operating income | $281,000 | 7,092 |
| Securities gains (losses) | $-1,000 | 7,100 |
| Applicable income taxes | $13,000 | 6,132 |
| Income before extraordinary items | $267,000 | 6,887 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $267,000 | 6,890 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,412 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $267,950 | 6,891 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,062,000 | 7,503 |
| Total interest expense | $438,000 | 7,124 |
| Net interest income | $624,000 | 7,620 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $52,000 | 7,818 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $37,000 | 6,640 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $15,000 | 7,801 |
| Total noninterest expense | $492,000 | 7,764 |
| Salaries and employee benefits | $374,000 | 7,142 |
| Premises and equipment expense | $39,000 | 8,105 |
| Additional noninterest expense | $79,000 | 8,388 |
| Pre-tax net operating income | $184,000 | 7,183 |
| Securities gains (losses) | $-1,000 | 7,450 |
| Applicable income taxes | $5,000 | 6,332 |
| Income before extraordinary items | $178,000 | 6,934 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $178,000 | 6,938 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,558 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $178,970 | 6,937 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $523,000 | 7,524 |
| Total interest expense | $215,000 | 7,092 |
| Net interest income | $308,000 | 7,669 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $23,000 | 7,933 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $19,000 | 6,578 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $4,000 | 8,174 |
| Total noninterest expense | $266,000 | 7,656 |
| Salaries and employee benefits | $183,000 | 7,221 |
| Premises and equipment expense | $23,000 | 7,939 |
| Additional noninterest expense | $60,000 | 7,941 |
| Pre-tax net operating income | $65,000 | 7,504 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $2,000 | 6,346 |
| Income before extraordinary items | $63,000 | 7,309 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $63,000 | 7,308 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 3,331 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $63,000 | 7,318 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,972,000 | 7,482 |
| Total interest expense | $710,000 | 7,017 |
| Net interest income | $1,262,000 | 7,612 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $97,000 | 7,970 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $84,000 | 6,521 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $13,000 | 8,328 |
| Total noninterest expense | $1,028,000 | 7,703 |
| Salaries and employee benefits | $716,000 | 7,205 |
| Premises and equipment expense | $83,000 | 8,057 |
| Additional noninterest expense | $229,000 | 8,043 |
| Pre-tax net operating income | $331,000 | 7,294 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $73,000 | 5,614 |
| Income before extraordinary items | $258,000 | 7,350 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $258,000 | 7,353 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 6,036 |
| Cash dividends | $60,000 | 5,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $258,000 | 7,326 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,454,000 | 7,534 |
| Total interest expense | $509,000 | 7,048 |
| Net interest income | $945,000 | 7,663 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $75,000 | 7,974 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $64,000 | 6,537 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $11,000 | 8,325 |
| Total noninterest expense | $734,000 | 7,767 |
| Salaries and employee benefits | $533,000 | 7,208 |
| Premises and equipment expense | $76,000 | 7,863 |
| Additional noninterest expense | $125,000 | 8,410 |
| Pre-tax net operating income | $286,000 | 7,263 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $21,000 | 6,272 |
| Income before extraordinary items | $265,000 | 7,099 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $265,000 | 7,098 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,415 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $265,000 | 7,068 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $960,000 | 7,532 |
| Total interest expense | $327,000 | 7,031 |
| Net interest income | $633,000 | 7,667 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $52,000 | 7,927 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $45,000 | 6,448 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $7,000 | 8,349 |
| Total noninterest expense | $479,000 | 7,816 |
| Salaries and employee benefits | $361,000 | 7,192 |
| Premises and equipment expense | $39,000 | 8,135 |
| Additional noninterest expense | $79,000 | 8,451 |
| Pre-tax net operating income | $206,000 | 7,185 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $11,000 | 6,378 |
| Income before extraordinary items | $195,000 | 6,973 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $195,000 | 6,974 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 4,682 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $195,000 | 6,918 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $466,000 | 7,630 |
| Total interest expense | $156,000 | 7,088 |
| Net interest income | $310,000 | 7,766 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $26,000 | 7,944 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $23,000 | 6,401 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $3,000 | 8,454 |
| Total noninterest expense | $256,000 | 7,758 |
| Salaries and employee benefits | $178,000 | 7,274 |
| Premises and equipment expense | $23,000 | 8,021 |
| Additional noninterest expense | $55,000 | 8,158 |
| Pre-tax net operating income | $80,000 | 7,493 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $4,000 | 6,466 |
| Income before extraordinary items | $76,000 | 7,310 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $76,000 | 7,310 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $76,000 | 7,279 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,823,000 | 7,561 |
| Total interest expense | $521,000 | 7,230 |
| Net interest income | $1,302,000 | 7,598 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $91,000 | 8,183 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $78,000 | 6,793 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $13,000 | 8,436 |
| Total noninterest expense | $1,080,000 | 7,653 |
| Salaries and employee benefits | $720,000 | 7,213 |
| Premises and equipment expense | $126,000 | 7,636 |
| Additional noninterest expense | $234,000 | 8,099 |
| Pre-tax net operating income | $313,000 | 7,392 |
| Securities gains (losses) | $23,000 | 2,306 |
| Applicable income taxes | $46,000 | 6,089 |
| Income before extraordinary items | $290,000 | 7,273 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $290,000 | 7,272 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 5,856 |
| Cash dividends | $60,000 | 5,755 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $270,220 | 7,306 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,358,000 | 7,614 |
| Total interest expense | $374,000 | 7,336 |
| Net interest income | $984,000 | 7,608 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $67,000 | 8,256 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $57,000 | 6,887 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $10,000 | 8,467 |
| Total noninterest expense | $731,000 | 7,839 |
| Salaries and employee benefits | $525,000 | 7,233 |
| Premises and equipment expense | $94,000 | 7,640 |
| Additional noninterest expense | $112,000 | 8,606 |
| Pre-tax net operating income | $320,000 | 7,104 |
| Securities gains (losses) | $23,000 | 2,216 |
| Applicable income taxes | $51,000 | 5,955 |
| Income before extraordinary items | $292,000 | 6,946 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $292,000 | 6,947 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,626 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $272,450 | 7,009 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $904,000 | 7,657 |
| Total interest expense | $233,000 | 7,534 |
| Net interest income | $671,000 | 7,591 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $45,000 | 8,298 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $38,000 | 6,913 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $7,000 | 8,495 |
| Total noninterest expense | $480,000 | 7,909 |
| Salaries and employee benefits | $348,000 | 7,307 |
| Premises and equipment expense | $52,000 | 7,942 |
| Additional noninterest expense | $80,000 | 8,582 |
| Pre-tax net operating income | $236,000 | 6,930 |
| Securities gains (losses) | $23,000 | 1,953 |
| Applicable income taxes | $27,000 | 6,108 |
| Income before extraordinary items | $232,000 | 6,611 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $232,000 | 6,611 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 4,984 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $211,300 | 6,704 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $459,000 | 7,676 |
| Total interest expense | $114,000 | 7,633 |
| Net interest income | $345,000 | 7,577 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $21,000 | 8,373 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $17,000 | 7,025 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $4,000 | 8,419 |
| Total noninterest expense | $259,000 | 7,805 |
| Salaries and employee benefits | $171,000 | 7,405 |
| Premises and equipment expense | $23,000 | 8,105 |
| Additional noninterest expense | $65,000 | 8,009 |
| Pre-tax net operating income | $107,000 | 7,030 |
| Securities gains (losses) | $23,000 | 1,635 |
| Applicable income taxes | $15,000 | 6,000 |
| Income before extraordinary items | $115,000 | 6,613 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $115,000 | 6,612 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,591 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $94,760 | 6,893 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,988,000 | 7,552 |
| Total interest expense | $530,000 | 7,639 |
| Net interest income | $1,458,000 | 7,423 |
| Provision for loan and lease losses | $20,000 | 7,057 |
| Total noninterest income | $91,000 | 8,401 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $78,000 | 6,931 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $13,000 | 8,668 |
| Total noninterest expense | $1,043,000 | 7,786 |
| Salaries and employee benefits | $700,000 | 7,295 |
| Premises and equipment expense | $119,000 | 7,822 |
| Additional noninterest expense | $224,000 | 8,274 |
| Pre-tax net operating income | $486,000 | 6,726 |
| Securities gains (losses) | $-7,000 | 8,734 |
| Applicable income taxes | $117,000 | 5,557 |
| Income before extraordinary items | $362,000 | 6,978 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $362,000 | 6,979 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,174 |
| Cash dividends | $60,000 | 5,832 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $367,320 | 6,809 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,510,000 | 7,614 |
| Total interest expense | $411,000 | 7,723 |
| Net interest income | $1,099,000 | 7,467 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $67,000 | 8,473 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $58,000 | 7,002 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $9,000 | 8,738 |
| Total noninterest expense | $723,000 | 7,954 |
| Salaries and employee benefits | $513,000 | 7,336 |
| Premises and equipment expense | $73,000 | 8,123 |
| Additional noninterest expense | $137,000 | 8,563 |
| Pre-tax net operating income | $443,000 | 6,535 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $78,000 | 5,828 |
| Income before extraordinary items | $365,000 | 6,566 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $365,000 | 6,567 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,966 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $365,000 | 6,394 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,011,000 | 7,660 |
| Total interest expense | $289,000 | 7,745 |
| Net interest income | $722,000 | 7,518 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $44,000 | 8,498 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $38,000 | 7,025 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $6,000 | 8,732 |
| Total noninterest expense | $471,000 | 8,017 |
| Salaries and employee benefits | $340,000 | 7,371 |
| Premises and equipment expense | $38,000 | 8,441 |
| Additional noninterest expense | $93,000 | 8,550 |
| Pre-tax net operating income | $295,000 | 6,529 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $78,000 | 5,441 |
| Income before extraordinary items | $217,000 | 6,813 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $217,000 | 6,816 |
| 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 | $217,000 | 6,611 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $518,000 | 7,649 |
| Total interest expense | $151,000 | 7,737 |
| Net interest income | $367,000 | 7,497 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $22,000 | 8,506 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $19,000 | 6,970 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $3,000 | 8,754 |
| Total noninterest expense | $249,000 | 7,938 |
| Salaries and employee benefits | $170,000 | 7,401 |
| Premises and equipment expense | $21,000 | 8,333 |
| Additional noninterest expense | $58,000 | 8,275 |
| Pre-tax net operating income | $140,000 | 6,602 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $28,000 | 5,789 |
| Income before extraordinary items | $112,000 | 6,674 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $112,000 | 6,675 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,979 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $112,000 | 6,505 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,302,000 | 7,538 |
| Total interest expense | $819,000 | 7,456 |
| Net interest income | $1,483,000 | 7,463 |
| Provision for loan and lease losses | $20,000 | 7,508 |
| Total noninterest income | $82,000 | 8,620 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $71,000 | 7,103 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $11,000 | 8,861 |
| Total noninterest expense | $1,069,000 | 7,785 |
| Salaries and employee benefits | $697,000 | 7,277 |
| Premises and equipment expense | $126,000 | 7,806 |
| Additional noninterest expense | $246,000 | 8,205 |
| Pre-tax net operating income | $476,000 | 6,859 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $119,000 | 5,791 |
| Income before extraordinary items | $357,000 | 7,040 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $357,000 | 7,041 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,852 |
| Cash dividends | $30,000 | 6,117 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $357,000 | 6,917 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,571,000 | 7,671 |
| Total interest expense | $1,281,000 | 7,441 |
| Net interest income | $1,290,000 | 7,705 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $83,000 | 8,742 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $70,000 | 7,167 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $13,000 | 9,003 |
| Total noninterest expense | $948,000 | 8,093 |
| Salaries and employee benefits | $638,000 | 7,485 |
| Premises and equipment expense | $99,000 | 8,324 |
| Additional noninterest expense | $211,000 | 8,568 |
| Pre-tax net operating income | $425,000 | 6,856 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $70,000 | 6,406 |
| Income before extraordinary items | $355,000 | 6,810 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $355,000 | 6,811 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 5,963 |
| Cash dividends | $30,000 | 6,329 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $355,000 | 6,688 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,760,000 | 7,648 |
| Total interest expense | $1,551,000 | 7,055 |
| Net interest income | $1,209,000 | 8,054 |
| Provision for loan and lease losses | $20,000 | 7,595 |
| Total noninterest income | $91,000 | 8,728 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $77,000 | 7,055 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $14,000 | 9,226 |
| Total noninterest expense | $858,000 | 8,411 |
| Salaries and employee benefits | $594,000 | 7,728 |
| Premises and equipment expense | $87,000 | 8,667 |
| Additional noninterest expense | $177,000 | 9,006 |
| Pre-tax net operating income | $422,000 | 7,359 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $144,000 | 5,996 |
| Income before extraordinary items | $278,000 | 7,603 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $278,000 | 7,603 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 5,771 |
| Cash dividends | $30,000 | 6,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $278,000 | 7,612 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,553,000 | 7,853 |
| Total interest expense | $1,291,000 | 7,427 |
| Net interest income | $1,262,000 | 8,075 |
| Provision for loan and lease losses | $20,000 | 7,660 |
| Total noninterest income | $100,000 | 8,822 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $87,000 | 6,985 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $13,000 | 9,578 |
| Total noninterest expense | $823,000 | 8,663 |
| Salaries and employee benefits | $575,000 | 7,890 |
| Premises and equipment expense | $83,000 | 8,967 |
| Additional noninterest expense | $165,000 | 9,387 |
| Pre-tax net operating income | $519,000 | 7,059 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $131,000 | 6,497 |
| Income before extraordinary items | $388,000 | 7,055 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $388,000 | 7,055 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,307 |
| Cash dividends | $30,000 | 6,807 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $388,000 | 7,027 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,682,000 | 7,888 |
| Total interest expense | $1,389,000 | 7,444 |
| Net interest income | $1,293,000 | 8,141 |
| Provision for loan and lease losses | $20,000 | 7,729 |
| Total noninterest income | $96,000 | 9,084 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $82,000 | 7,234 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $14,000 | 9,789 |
| Total noninterest expense | $843,000 | 8,625 |
| Salaries and employee benefits | $538,000 | 8,129 |
| Premises and equipment expense | $84,000 | 9,069 |
| Additional noninterest expense | $221,000 | 8,889 |
| Pre-tax net operating income | $526,000 | 7,243 |
| Securities gains (losses) | $-1,000 | 9,769 |
| Applicable income taxes | $152,000 | 6,807 |
| Income before extraordinary items | $373,000 | 7,387 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $373,000 | 7,386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,720 |
| Cash dividends | $30,000 | 7,122 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $373,710 | 7,312 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,621,000 | 8,223 |
| Total interest expense | $1,400,000 | 7,586 |
| Net interest income | $1,221,000 | 8,637 |
| Provision for loan and lease losses | $30,000 | 7,369 |
| Total noninterest income | $105,000 | 9,314 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $91,000 | 7,399 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $14,000 | 10,198 |
| Total noninterest expense | $733,000 | 9,285 |
| Salaries and employee benefits | $459,000 | 8,891 |
| Premises and equipment expense | $71,000 | 9,671 |
| Additional noninterest expense | $203,000 | 9,373 |
| Pre-tax net operating income | $563,000 | 7,598 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $157,000 | 7,502 |
| Income before extraordinary items | $406,000 | 7,595 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $406,000 | 7,598 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,835 |
| Cash dividends | $30,000 | 7,454 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $406,000 | 7,539 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,387,000 | 8,840 |
| Total interest expense | $1,246,000 | 8,252 |
| Net interest income | $1,141,000 | 9,175 |
| Provision for loan and lease losses | $40,000 | 6,972 |
| Total noninterest income | $129,000 | 9,376 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $100,000 | 7,492 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $29,000 | 9,892 |
| Total noninterest expense | $757,000 | 9,601 |
| Salaries and employee benefits | $521,000 | 8,704 |
| Premises and equipment expense | $65,000 | 10,223 |
| Additional noninterest expense | $171,000 | 10,282 |
| Pre-tax net operating income | $473,000 | 8,101 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $109,000 | 8,610 |
| Income before extraordinary items | $364,000 | 7,897 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $364,000 | 7,896 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 6,265 |
| Cash dividends | $30,000 | 7,843 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $364,000 | 7,838 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,221,000 | 9,388 |
| Total interest expense | $1,215,000 | 8,544 |
| Net interest income | $1,006,000 | 9,928 |
| Provision for loan and lease losses | $35,000 | 6,883 |
| Total noninterest income | $113,000 | 10,003 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $84,000 | 8,206 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $29,000 | 10,336 |
| Total noninterest expense | $670,000 | 10,297 |
| Salaries and employee benefits | $463,000 | 9,426 |
| Premises and equipment expense | $60,000 | 10,776 |
| Additional noninterest expense | $147,000 | 11,084 |
| Pre-tax net operating income | $414,000 | 8,972 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $152,000 | 8,222 |
| Income before extraordinary items | $262,000 | 9,308 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $262,000 | 9,313 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,500 |
| Cash dividends | $15,000 | 8,467 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $262,000 | 9,281 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,859,000 | 10,065 |
| Total interest expense | $822,000 | 9,492 |
| Net interest income | $1,037,000 | 10,268 |
| Provision for loan and lease losses | $30,000 | 7,083 |
| Total noninterest income | $102,000 | 10,687 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $84,000 | 8,561 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 11,564 |
| Total noninterest expense | $686,000 | 10,762 |
| Salaries and employee benefits | $437,000 | 9,946 |
| Premises and equipment expense | $57,000 | 11,399 |
| Additional noninterest expense | $192,000 | 11,243 |
| Pre-tax net operating income | $423,000 | 9,177 |
| Securities gains (losses) | $-4,000 | 9,291 |
| Applicable income taxes | $151,000 | 8,285 |
| Income before extraordinary items | $268,000 | 9,513 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $268,000 | 9,522 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 7,569 |
| Cash dividends | $15,000 | 8,673 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $270,560 | 9,531 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,638,000 | 10,932 |
| Total interest expense | $666,000 | 10,788 |
| Net interest income | $972,000 | 10,877 |
| Provision for loan and lease losses | $45,000 | 7,729 |
| Total noninterest income | $97,000 | 11,399 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $81,000 | 8,972 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $16,000 | 12,333 |
| Total noninterest expense | $712,000 | 11,102 |
| Salaries and employee benefits | $432,000 | 10,323 |
| Premises and equipment expense | $84,000 | 11,010 |
| Additional noninterest expense | $196,000 | 11,788 |
| Pre-tax net operating income | $312,000 | 10,140 |
| Securities gains (losses) | $2,000 | 6,773 |
| Applicable income taxes | $127,000 | 9,151 |
| Income before extraordinary items | $187,000 | 10,793 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $187,000 | 10,897 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 7,032 |
| Cash dividends | $15,000 | 8,780 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $185,720 | 10,595 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,736,000 | 11,458 |
| Total interest expense | $773,000 | 11,454 |
| Net interest income | $963,000 | 11,237 |
| Provision for loan and lease losses | $65,000 | 8,399 |
| Total noninterest income | $98,000 | 11,783 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $85,000 | 8,993 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $13,000 | 13,144 |
| Total noninterest expense | $665,000 | 11,714 |
| Salaries and employee benefits | $384,000 | 11,048 |
| Premises and equipment expense | $83,000 | 11,388 |
| Additional noninterest expense | $198,000 | 12,265 |
| Pre-tax net operating income | $331,000 | 9,862 |
| Securities gains (losses) | $3,000 | 7,429 |
| Applicable income taxes | $70,000 | 10,722 |
| Income before extraordinary items | $264,000 | 9,736 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $264,000 | 9,874 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 7,091 |
| Cash dividends | $15,000 | 8,575 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $261,630 | 9,392 |
* 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.