Home > Oritani Bank > Income and Expense

Oritani Bank, Income and Expense

2019-09-30 (YTD Data)		Rank
Total interest income	$118,499,000	277
Total interest expense	$44,229,000	184
Net interest income	$74,270,000	318
Provision for loan and lease losses	$0	3,836
Total noninterest income	$3,013,000	1,295
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$355,000	1,999
Trading account gains and fees	$0	129
Additional Noninterest Income	$2,658,000	1,042
Total noninterest expense	$28,336,000	616
Salaries and employee benefits	$19,525,000	500
Premises and equipment expense	$2,277,000	845
Additional noninterest expense	$6,534,000	784
Pre-tax net operating income	$48,947,000	262
Securities gains (losses)	$0	2,167
Applicable income taxes	$11,646,000	244
Income before extraordinary items	$37,301,000	271
Extraordinary gains, net	$0	11
Net income	$37,301,000	273
Minority interest net income	$0	72
Net income of bank and minority interests.	$37,301,000	273
Net charge-offs	$31,000	2,497
Cash dividends	$40,200,000	163
Sale, conversion, retirement of capital stock, net	$2,243,000	111
Net operating income	$37,301,000	268
2019-06-30 (YTD Data)		Rank
Total interest income	$78,527,000	279
Total interest expense	$29,018,000	185
Net interest income	$49,509,000	320
Provision for loan and lease losses	$0	3,685
Total noninterest income	$1,971,000	1,290
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$243,000	1,942
Trading account gains and fees	$0	131
Additional Noninterest Income	$1,728,000	1,042
Total noninterest expense	$19,115,000	612
Salaries and employee benefits	$12,887,000	501
Premises and equipment expense	$1,554,000	824
Additional noninterest expense	$4,674,000	752
Pre-tax net operating income	$32,365,000	263
Securities gains (losses)	$0	1,702
Applicable income taxes	$7,318,000	251
Income before extraordinary items	$25,047,000	270
Extraordinary gains, net	$0	11
Net income	$25,047,000	272
Minority interest net income	$0	69
Net income of bank and minority interests.	$25,047,000	272
Net charge-offs	$43,000	1,940
Cash dividends	$40,200,000	126
Sale, conversion, retirement of capital stock, net	$1,481,000	100
Net operating income	$25,047,000	266
2019-03-31 (YTD Data)		Rank
Total interest income	$38,350,000	283
Total interest expense	$13,960,000	187
Net interest income	$24,390,000	323
Provision for loan and lease losses	$0	3,406
Total noninterest income	$988,000	1,248
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$128,000	1,868
Trading account gains and fees	$0	126
Additional Noninterest Income	$860,000	1,001
Total noninterest expense	$9,480,000	613
Salaries and employee benefits	$6,474,000	491
Premises and equipment expense	$820,000	789
Additional noninterest expense	$2,186,000	783
Pre-tax net operating income	$15,898,000	262
Securities gains (losses)	$0	1,087
Applicable income taxes	$3,598,000	254
Income before extraordinary items	$12,300,000	267
Extraordinary gains, net	$0	5
Net income	$12,300,000	267
Minority interest net income	$0	52
Net income of bank and minority interests.	$12,300,000	267
Net charge-offs	$49,000	1,216
Cash dividends	$40,200,000	79
Sale, conversion, retirement of capital stock, net	$745,000	81
Net operating income	$12,300,000	263
2018-12-31 (YTD Data)		Rank
Total interest income	$154,863,000	266
Total interest expense	$46,964,000	170
Net interest income	$107,899,000	307
Provision for loan and lease losses	$-2,000,000	5,369
Total noninterest income	$4,800,000	1,120
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$513,000	1,948
Trading account gains and fees	$0	126
Additional Noninterest Income	$4,287,000	873
Total noninterest expense	$41,442,000	539
Salaries and employee benefits	$26,482,000	469
Premises and equipment expense	$3,161,000	790
Additional noninterest expense	$11,799,000	592
Pre-tax net operating income	$73,257,000	240
Securities gains (losses)	$0	1,125
Applicable income taxes	$19,569,000	206
Income before extraordinary items	$53,688,000	261
Extraordinary gains, net	$0	6
Net income	$53,688,000	261
Minority interest net income	$0	72
Net income of bank and minority interests.	$53,688,000	261
Net charge-offs	$-237,000	5,197
Cash dividends	$43,319,000	169
Sale, conversion, retirement of capital stock, net	$3,088,000	137
Net operating income	$53,688,000	261
2018-09-30 (YTD Data)		Rank
Total interest income	$115,741,000	264
Total interest expense	$34,099,000	166
Net interest income	$81,642,000	301
Provision for loan and lease losses	$-2,000,000	5,442
Total noninterest income	$2,959,000	1,292
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$380,000	1,969
Trading account gains and fees	$0	138
Additional Noninterest Income	$2,579,000	1,043
Total noninterest expense	$31,368,000	528
Salaries and employee benefits	$19,995,000	465
Premises and equipment expense	$2,426,000	779
Additional noninterest expense	$8,947,000	577
Pre-tax net operating income	$55,233,000	239
Securities gains (losses)	$0	1,118
Applicable income taxes	$15,033,000	203
Income before extraordinary items	$40,200,000	256
Extraordinary gains, net	$0	5
Net income	$40,200,000	256
Minority interest net income	$0	66
Net income of bank and minority interests.	$40,200,000	256
Net charge-offs	$-164,000	5,213
Cash dividends	$43,316,000	130
Sale, conversion, retirement of capital stock, net	$2,138,000	129
Net operating income	$40,200,000	256
2018-06-30 (YTD Data)		Rank
Total interest income	$77,096,000	250
Total interest expense	$22,852,000	155
Net interest income	$54,244,000	297
Provision for loan and lease losses	$0	3,782
Total noninterest income	$1,955,000	1,311
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$253,000	1,967
Trading account gains and fees	$0	130
Additional Noninterest Income	$1,702,000	1,055
Total noninterest expense	$19,413,000	571
Salaries and employee benefits	$12,097,000	516
Premises and equipment expense	$1,667,000	754
Additional noninterest expense	$5,649,000	609
Pre-tax net operating income	$36,786,000	230
Securities gains (losses)	$0	961
Applicable income taxes	$9,928,000	203
Income before extraordinary items	$26,858,000	247
Extraordinary gains, net	$0	6
Net income	$26,858,000	247
Minority interest net income	$0	65
Net income of bank and minority interests.	$26,858,000	247
Net charge-offs	$-161,000	5,313
Cash dividends	$43,316,000	97
Sale, conversion, retirement of capital stock, net	$1,417,000	116
Net operating income	$26,858,000	247
2018-03-31 (YTD Data)		Rank
Total interest income	$37,678,000	254
Total interest expense	$10,942,000	153
Net interest income	$26,736,000	301
Provision for loan and lease losses	$0	3,508
Total noninterest income	$854,000	1,420
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$124,000	1,997
Trading account gains and fees	$0	123
Additional Noninterest Income	$730,000	1,165
Total noninterest expense	$9,578,000	581
Salaries and employee benefits	$6,423,000	479
Premises and equipment expense	$862,000	749
Additional noninterest expense	$2,293,000	731
Pre-tax net operating income	$18,012,000	225
Securities gains (losses)	$0	735
Applicable income taxes	$4,692,000	206
Income before extraordinary items	$13,320,000	244
Extraordinary gains, net	$0	7
Net income	$13,320,000	243
Minority interest net income	$0	52
Net income of bank and minority interests.	$13,320,000	244
Net charge-offs	$-72,000	5,323
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$713,000	98
Net operating income	$13,320,000	243
2017-12-31 (YTD Data)		Rank
Total interest income	$149,309,000	241
Total interest expense	$41,613,000	131
Net interest income	$107,696,000	283
Provision for loan and lease losses	$0	4,227
Total noninterest income	$25,020,000	356
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$489,000	2,060
Trading account gains and fees	$0	151
Additional Noninterest Income	$24,531,000	268
Total noninterest expense	$51,088,000	443
Salaries and employee benefits	$26,508,000	454
Premises and equipment expense	$3,126,000	802
Additional noninterest expense	$21,454,000	361
Pre-tax net operating income	$81,628,000	202
Securities gains (losses)	$-1,150,000	5,626
Applicable income taxes	$37,162,000	178
Income before extraordinary items	$43,316,000	240
Extraordinary gains, net	$0	9
Net income	$43,316,000	240
Minority interest net income	$0	76
Net income of bank and minority interests.	$43,316,000	240
Net charge-offs	$-525,000	5,571
Cash dividends	$52,840,000	122
Sale, conversion, retirement of capital stock, net	$3,839,000	119
Net operating income	$44,052,000	237
2017-09-30 (YTD Data)		Rank
Total interest income	$111,218,000	240
Total interest expense	$30,876,000	126
Net interest income	$80,342,000	283
Provision for loan and lease losses	$0	4,088
Total noninterest income	$24,048,000	305
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$356,000	2,130
Trading account gains and fees	$0	145
Additional Noninterest Income	$23,692,000	226
Total noninterest expense	$41,064,000	420
Salaries and employee benefits	$19,233,000	470
Premises and equipment expense	$2,346,000	804
Additional noninterest expense	$19,485,000	305
Pre-tax net operating income	$63,326,000	194
Securities gains (losses)	$-826,000	5,714
Applicable income taxes	$23,038,000	182
Income before extraordinary items	$39,462,000	221
Extraordinary gains, net	$0	9
Net income	$39,462,000	221
Minority interest net income	$0	71
Net income of bank and minority interests.	$39,462,000	222
Net charge-offs	$-525,000	5,642
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$2,307,000	127
Net operating income	$39,990,640	218
2017-06-30 (YTD Data)		Rank
Total interest income	$73,232,000	240
Total interest expense	$20,409,000	118
Net interest income	$52,823,000	291
Provision for loan and lease losses	$0	3,871
Total noninterest income	$22,970,000	247
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$238,000	2,112
Trading account gains and fees	$0	139
Additional Noninterest Income	$22,732,000	178
Total noninterest expense	$31,888,000	371
Salaries and employee benefits	$12,888,000	472
Premises and equipment expense	$1,597,000	783
Additional noninterest expense	$17,403,000	253
Pre-tax net operating income	$43,905,000	189
Securities gains (losses)	$-826,000	5,771
Applicable income taxes	$15,814,000	169
Income before extraordinary items	$27,265,000	218
Extraordinary gains, net	$0	11
Net income	$27,265,000	218
Minority interest net income	$0	71
Net income of bank and minority interests.	$27,265,000	218
Net charge-offs	$-395,000	5,702
Cash dividends	$0	3,544
Sale, conversion, retirement of capital stock, net	$1,572,000	113
Net operating income	$27,793,640	211
2017-03-31 (YTD Data)		Rank
Total interest income	$36,641,000	235
Total interest expense	$9,958,000	116
Net interest income	$26,683,000	283
Provision for loan and lease losses	$0	3,537
Total noninterest income	$21,826,000	149
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$114,000	2,189
Trading account gains and fees	$0	142
Additional Noninterest Income	$21,712,000	118
Total noninterest expense	$9,654,000	572
Salaries and employee benefits	$6,595,000	475
Premises and equipment expense	$834,000	765
Additional noninterest expense	$2,225,000	738
Pre-tax net operating income	$38,855,000	131
Securities gains (losses)	$0	1,153
Applicable income taxes	$14,471,000	115
Income before extraordinary items	$24,384,000	147
Extraordinary gains, net	$0	8
Net income	$24,384,000	147
Minority interest net income	$0	55
Net income of bank and minority interests.	$24,384,000	147
Net charge-offs	$0	2,943
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$793,000	95
Net operating income	$24,384,000	147
2016-12-31 (YTD Data)		Rank
Total interest income	$136,883,000	238
Total interest expense	$35,629,000	120
Net interest income	$101,254,000	284
Provision for loan and lease losses	$177,000	2,598
Total noninterest income	$7,042,000	898
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$419,000	2,379
Trading account gains and fees	$0	170
Additional Noninterest Income	$6,623,000	690
Total noninterest expense	$46,801,000	477
Salaries and employee benefits	$30,671,000	418
Premises and equipment expense	$3,176,000	781
Additional noninterest expense	$12,954,000	537
Pre-tax net operating income	$61,318,000	234
Securities gains (losses)	$386,000	547
Applicable income taxes	$19,330,000	231
Income before extraordinary items	$42,374,000	242
Extraordinary gains, net	$0	5
Net income	$42,374,000	241
Minority interest net income	$0	82
Net income of bank and minority interests.	$42,374,000	241
Net charge-offs	$758,000	820
Cash dividends	$3,000	4,232
Sale, conversion, retirement of capital stock, net	$7,377,000	69
Net operating income	$42,107,660	244
2016-09-30 (YTD Data)		Rank
Total interest income	$101,595,000	237
Total interest expense	$26,426,000	119
Net interest income	$75,169,000	286
Provision for loan and lease losses	$177,000	2,198
Total noninterest income	$5,762,000	840
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$316,000	2,376
Trading account gains and fees	$0	169
Additional Noninterest Income	$5,446,000	640
Total noninterest expense	$35,880,000	470
Salaries and employee benefits	$22,677,000	420
Premises and equipment expense	$2,396,000	783
Additional noninterest expense	$10,807,000	484
Pre-tax net operating income	$44,874,000	230
Securities gains (losses)	$386,000	504
Applicable income taxes	$14,313,000	226
Income before extraordinary items	$30,947,000	240
Extraordinary gains, net	$0	5
Net income	$30,947,000	239
Minority interest net income	$0	71
Net income of bank and minority interests.	$30,947,000	240
Net charge-offs	$757,000	594
Cash dividends	$0	3,792
Sale, conversion, retirement of capital stock, net	$5,232,000	63
Net operating income	$30,684,520	238
2016-06-30 (YTD Data)		Rank
Total interest income	$67,500,000	242
Total interest expense	$17,480,000	121
Net interest income	$50,020,000	284
Provision for loan and lease losses	$177,000	1,761
Total noninterest income	$4,510,000	740
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$207,000	2,382
Trading account gains and fees	$0	157
Additional Noninterest Income	$4,303,000	562
Total noninterest expense	$25,759,000	441
Salaries and employee benefits	$15,524,000	412
Premises and equipment expense	$1,595,000	783
Additional noninterest expense	$8,640,000	416
Pre-tax net operating income	$28,594,000	232
Securities gains (losses)	$386,000	350
Applicable income taxes	$8,629,000	238
Income before extraordinary items	$20,351,000	242
Extraordinary gains, net	$0	16
Net income	$20,351,000	241
Minority interest net income	$0	71
Net income of bank and minority interests.	$20,351,000	241
Net charge-offs	$684,000	464
Cash dividends	$0	3,654
Sale, conversion, retirement of capital stock, net	$3,805,000	59
Net operating income	$20,080,800	240
2016-03-31 (YTD Data)		Rank
Total interest income	$32,948,000	246
Total interest expense	$8,357,000	122
Net interest income	$24,591,000	283
Provision for loan and lease losses	$91,000	1,584
Total noninterest income	$1,329,000	1,056
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$99,000	2,444
Trading account gains and fees	$0	142
Additional Noninterest Income	$1,230,000	809
Total noninterest expense	$10,209,000	535
Salaries and employee benefits	$7,343,000	424
Premises and equipment expense	$818,000	770
Additional noninterest expense	$2,048,000	799
Pre-tax net operating income	$15,620,000	218
Securities gains (losses)	$0	2,077
Applicable income taxes	$5,715,000	203
Income before extraordinary items	$9,905,000	242
Extraordinary gains, net	$0	12
Net income	$9,905,000	242
Minority interest net income	$0	62
Net income of bank and minority interests.	$9,905,000	242
Net charge-offs	$687,000	270
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$2,172,000	46
Net operating income	$9,905,000	237
2015-12-31 (YTD Data)		Rank
Total interest income	$130,975,000	233
Total interest expense	$35,461,000	107
Net interest income	$95,514,000	280
Provision for loan and lease losses	$53,000	3,580
Total noninterest income	$37,897,000	261
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$422,000	2,417
Trading account gains and fees	$0	159
Additional Noninterest Income	$37,475,000	194
Total noninterest expense	$58,039,000	392
Salaries and employee benefits	$31,658,000	384
Premises and equipment expense	$2,988,000	832
Additional noninterest expense	$23,393,000	328
Pre-tax net operating income	$75,319,000	192
Securities gains (losses)	$968,000	215
Applicable income taxes	$28,117,000	168
Income before extraordinary items	$48,170,000	207
Extraordinary gains, net	$0	23
Net income	$48,170,000	207
Minority interest net income	$0	81
Net income of bank and minority interests.	$48,170,000	207
Net charge-offs	$631,000	964
Cash dividends	$57,273,000	117
Sale, conversion, retirement of capital stock, net	$11,513,000	46
Net operating income	$47,550,480	212
2015-09-30 (YTD Data)		Rank
Total interest income	$97,954,000	237
Total interest expense	$27,255,000	106
Net interest income	$70,699,000	287
Provision for loan and lease losses	$-10,000	5,807
Total noninterest income	$19,113,000	354
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$323,000	2,396
Trading account gains and fees	$0	153
Additional Noninterest Income	$18,790,000	266
Total noninterest expense	$31,366,000	517
Salaries and employee benefits	$21,837,000	418
Premises and equipment expense	$2,299,000	828
Additional noninterest expense	$7,230,000	701
Pre-tax net operating income	$58,456,000	188
Securities gains (losses)	$770,000	225
Applicable income taxes	$21,519,000	173
Income before extraordinary items	$37,707,000	204
Extraordinary gains, net	$0	21
Net income	$37,707,000	204
Minority interest net income	$0	78
Net income of bank and minority interests.	$37,707,000	204
Net charge-offs	$631,000	732
Cash dividends	$30,590,000	133
Sale, conversion, retirement of capital stock, net	$7,424,000	45
Net operating income	$37,214,200	203
2015-06-30 (YTD Data)		Rank
Total interest income	$65,209,000	239
Total interest expense	$18,309,000	107
Net interest income	$46,900,000	284
Provision for loan and lease losses	$-40,000	5,991
Total noninterest income	$14,995,000	316
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$211,000	2,401
Trading account gains and fees	$0	157
Additional Noninterest Income	$14,784,000	240
Total noninterest expense	$20,820,000	516
Salaries and employee benefits	$14,368,000	428
Premises and equipment expense	$1,582,000	798
Additional noninterest expense	$4,870,000	692
Pre-tax net operating income	$41,115,000	184
Securities gains (losses)	$770,000	180
Applicable income taxes	$15,148,000	167
Income before extraordinary items	$26,737,000	201
Extraordinary gains, net	$0	22
Net income	$26,737,000	202
Minority interest net income	$0	75
Net income of bank and minority interests.	$26,737,000	202
Net charge-offs	$376,000	793
Cash dividends	$30,590,000	111
Sale, conversion, retirement of capital stock, net	$4,963,000	48
Net operating income	$26,244,200	203
2015-03-31 (YTD Data)		Rank
Total interest income	$32,957,000	236
Total interest expense	$9,609,000	102
Net interest income	$23,348,000	286
Provision for loan and lease losses	$-20,000	6,115
Total noninterest income	$3,495,000	521
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$110,000	2,314
Trading account gains and fees	$0	152
Additional Noninterest Income	$3,385,000	394
Total noninterest expense	$10,329,000	517
Salaries and employee benefits	$7,108,000	428
Premises and equipment expense	$889,000	718
Additional noninterest expense	$2,332,000	711
Pre-tax net operating income	$16,534,000	209
Securities gains (losses)	$770,000	110
Applicable income taxes	$6,277,000	187
Income before extraordinary items	$11,027,000	221
Extraordinary gains, net	$0	13
Net income	$11,027,000	221
Minority interest net income	$0	64
Net income of bank and minority interests.	$11,027,000	221
Net charge-offs	$376,000	455
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$2,120,000	48
Net operating income	$10,534,200	224
2014-12-31 (YTD Data)		Rank
Total interest income	$128,912,000	235
Total interest expense	$34,420,000	109
Net interest income	$94,492,000	271
Provision for loan and lease losses	$420,000	1,625
Total noninterest income	$5,308,000	1,058
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$526,000	2,201
Trading account gains and fees	$0	180
Additional Noninterest Income	$4,782,000	782
Total noninterest expense	$39,834,000	519
Salaries and employee benefits	$28,180,000	414
Premises and equipment expense	$3,013,000	820
Additional noninterest expense	$8,641,000	759
Pre-tax net operating income	$59,546,000	214
Securities gains (losses)	$-2,000	5,864
Applicable income taxes	$20,064,000	195
Income before extraordinary items	$39,480,000	230
Extraordinary gains, net	$0	17
Net income	$39,480,000	229
Minority interest net income	$0	84
Net income of bank and minority interests.	$39,480,000	229
Net charge-offs	$-226,000	6,270
Cash dividends	$29,565,000	176
Sale, conversion, retirement of capital stock, net	$9,554,000	50
Net operating income	$39,481,320	230
2014-09-30 (YTD Data)		Rank
Total interest income	$95,510,000	236
Total interest expense	$25,406,000	110
Net interest income	$70,104,000	271
Provision for loan and lease losses	$440,000	1,301
Total noninterest income	$4,515,000	952
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$412,000	2,132
Trading account gains and fees	$0	174
Additional Noninterest Income	$4,103,000	709
Total noninterest expense	$29,511,000	521
Salaries and employee benefits	$20,664,000	418
Premises and equipment expense	$2,321,000	803
Additional noninterest expense	$6,526,000	754
Pre-tax net operating income	$44,668,000	207
Securities gains (losses)	$-2,000	5,965
Applicable income taxes	$14,844,000	199
Income before extraordinary items	$29,822,000	223
Extraordinary gains, net	$0	15
Net income	$29,822,000	223
Minority interest net income	$0	81
Net income of bank and minority interests.	$29,822,000	223
Net charge-offs	$-528,000	6,478
Cash dividends	$0	3,845
Sale, conversion, retirement of capital stock, net	$7,004,000	49
Net operating income	$29,823,340	223
2014-06-30 (YTD Data)		Rank
Total interest income	$63,446,000	233
Total interest expense	$16,578,000	110
Net interest income	$46,868,000	268
Provision for loan and lease losses	$260,000	1,415
Total noninterest income	$2,304,000	1,151
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$286,000	2,034
Trading account gains and fees	$0	172
Additional Noninterest Income	$2,018,000	885
Total noninterest expense	$19,516,000	523
Salaries and employee benefits	$13,653,000	420
Premises and equipment expense	$1,592,000	782
Additional noninterest expense	$4,271,000	763
Pre-tax net operating income	$29,396,000	211
Securities gains (losses)	$0	2,580
Applicable income taxes	$9,479,000	203
Income before extraordinary items	$19,917,000	223
Extraordinary gains, net	$0	20
Net income	$19,917,000	223
Minority interest net income	$0	80
Net income of bank and minority interests.	$19,917,000	223
Net charge-offs	$-560,000	6,571
Cash dividends	$0	3,668
Sale, conversion, retirement of capital stock, net	$4,534,000	48
Net operating income	$19,917,000	223
2014-03-31 (YTD Data)		Rank
Total interest income	$31,947,000	234
Total interest expense	$8,156,000	112
Net interest income	$23,791,000	269
Provision for loan and lease losses	$270,000	785
Total noninterest income	$918,000	1,323
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$140,000	2,053
Trading account gains and fees	$0	147
Additional Noninterest Income	$778,000	1,032
Total noninterest expense	$9,690,000	529
Salaries and employee benefits	$6,751,000	427
Premises and equipment expense	$921,000	693
Additional noninterest expense	$2,018,000	799
Pre-tax net operating income	$14,749,000	206
Securities gains (losses)	$0	1,715
Applicable income taxes	$4,511,000	211
Income before extraordinary items	$10,238,000	217
Extraordinary gains, net	$0	16
Net income	$10,238,000	217
Minority interest net income	$0	66
Net income of bank and minority interests.	$10,238,000	217
Net charge-offs	$-558,000	6,678
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$2,172,000	42
Net operating income	$10,238,000	217
2013-12-31 (YTD Data)		Rank
Total interest income	$126,964,000	229
Total interest expense	$31,758,000	123
Net interest income	$95,206,000	259
Provision for loan and lease losses	$1,100,000	1,015
Total noninterest income	$6,135,000	976
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$631,000	1,978
Trading account gains and fees	$0	184
Additional Noninterest Income	$5,504,000	749
Total noninterest expense	$38,367,000	540
Salaries and employee benefits	$27,613,000	410
Premises and equipment expense	$2,881,000	842
Additional noninterest expense	$7,873,000	856
Pre-tax net operating income	$61,874,000	200
Securities gains (losses)	$51,000	1,783
Applicable income taxes	$21,682,000	179
Income before extraordinary items	$40,243,000	225
Extraordinary gains, net	$0	29
Net income	$40,243,000	225
Minority interest net income	$0	90
Net income of bank and minority interests.	$40,243,000	225
Net charge-offs	$2,618,000	605
Cash dividends	$38,957,000	135
Sale, conversion, retirement of capital stock, net	$9,669,000	46
Net operating income	$40,209,850	220
2013-09-30 (YTD Data)		Rank
Total interest income	$95,037,000	229
Total interest expense	$23,494,000	125
Net interest income	$71,543,000	258
Provision for loan and lease losses	$900,000	951
Total noninterest income	$5,385,000	882
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$460,000	2,026
Trading account gains and fees	$0	180
Additional Noninterest Income	$4,925,000	674
Total noninterest expense	$29,157,000	539
Salaries and employee benefits	$20,327,000	421
Premises and equipment expense	$2,159,000	851
Additional noninterest expense	$6,671,000	770
Pre-tax net operating income	$46,871,000	201
Securities gains (losses)	$97,000	1,240
Applicable income taxes	$16,370,000	181
Income before extraordinary items	$30,598,000	223
Extraordinary gains, net	$0	25
Net income	$30,598,000	223
Minority interest net income	$0	84
Net income of bank and minority interests.	$30,598,000	223
Net charge-offs	$1,395,000	783
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$6,914,000	45
Net operating income	$30,534,950	221
2013-06-30 (YTD Data)		Rank
Total interest income	$63,218,000	229
Total interest expense	$15,509,000	129
Net interest income	$47,709,000	257
Provision for loan and lease losses	$620,000	966
Total noninterest income	$3,223,000	964
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$287,000	2,109
Trading account gains and fees	$0	157
Additional Noninterest Income	$2,936,000	744
Total noninterest expense	$18,876,000	553
Salaries and employee benefits	$13,440,000	422
Premises and equipment expense	$1,430,000	853
Additional noninterest expense	$4,006,000	841
Pre-tax net operating income	$31,436,000	195
Securities gains (losses)	$0	2,791
Applicable income taxes	$10,773,000	180
Income before extraordinary items	$20,663,000	214
Extraordinary gains, net	$0	22
Net income	$20,663,000	215
Minority interest net income	$0	82
Net income of bank and minority interests.	$20,663,000	215
Net charge-offs	$1,378,000	603
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$4,316,000	47
Net operating income	$20,663,000	209
2013-03-31 (YTD Data)		Rank
Total interest income	$32,304,000	229
Total interest expense	$7,724,000	135
Net interest income	$24,580,000	255
Provision for loan and lease losses	$600,000	594
Total noninterest income	$852,000	1,501
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$131,000	2,264
Trading account gains and fees	$0	148
Additional Noninterest Income	$721,000	1,232
Total noninterest expense	$9,712,000	546
Salaries and employee benefits	$6,886,000	418
Premises and equipment expense	$737,000	852
Additional noninterest expense	$2,089,000	814
Pre-tax net operating income	$15,120,000	207
Securities gains (losses)	$0	1,966
Applicable income taxes	$5,683,000	180
Income before extraordinary items	$9,437,000	230
Extraordinary gains, net	$0	10
Net income	$9,437,000	230
Minority interest net income	$0	76
Net income of bank and minority interests.	$9,437,000	231
Net charge-offs	$547,000	724
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$2,160,000	38
Net operating income	$9,437,000	222
2012-12-31 (YTD Data)		Rank
Total interest income	$123,743,000	235
Total interest expense	$33,118,000	136
Net interest income	$90,625,000	273
Provision for loan and lease losses	$6,000,000	439
Total noninterest income	$4,406,000	1,246
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$604,000	2,143
Trading account gains and fees	$0	166
Additional Noninterest Income	$3,802,000	1,002
Total noninterest expense	$36,543,000	569
Salaries and employee benefits	$26,117,000	420
Premises and equipment expense	$2,708,000	887
Additional noninterest expense	$7,718,000	903
Pre-tax net operating income	$52,488,000	211
Securities gains (losses)	$0	3,810
Applicable income taxes	$19,583,000	176
Income before extraordinary items	$32,905,000	246
Extraordinary gains, net	$0	29
Net income	$32,905,000	245
Minority interest net income	$0	93
Net income of bank and minority interests.	$32,905,000	246
Net charge-offs	$2,910,000	863
Cash dividends	$38,559,000	141
Sale, conversion, retirement of capital stock, net	$9,505,000	39
Net operating income	$32,905,000	239
2012-09-30 (YTD Data)		Rank
Total interest income	$92,493,000	239
Total interest expense	$25,114,000	138
Net interest income	$67,379,000	277
Provision for loan and lease losses	$4,500,000	443
Total noninterest income	$3,520,000	1,190
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$456,000	2,154
Trading account gains and fees	$0	157
Additional Noninterest Income	$3,064,000	929
Total noninterest expense	$27,082,000	577
Salaries and employee benefits	$19,365,000	418
Premises and equipment expense	$2,007,000	907
Additional noninterest expense	$5,710,000	911
Pre-tax net operating income	$39,317,000	210
Securities gains (losses)	$0	3,575
Applicable income taxes	$14,768,000	178
Income before extraordinary items	$24,549,000	241
Extraordinary gains, net	$0	20
Net income	$24,549,000	240
Minority interest net income	$0	86
Net income of bank and minority interests.	$24,549,000	241
Net charge-offs	$815,000	1,655
Cash dividends	$14,007,000	168
Sale, conversion, retirement of capital stock, net	$6,497,000	42
Net operating income	$24,549,000	233
2012-06-30 (YTD Data)		Rank
Total interest income	$60,990,000	240
Total interest expense	$17,015,000	138
Net interest income	$43,975,000	283
Provision for loan and lease losses	$3,000,000	452
Total noninterest income	$2,386,000	1,166
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$311,000	2,091
Trading account gains and fees	$0	153
Additional Noninterest Income	$2,075,000	888
Total noninterest expense	$17,904,000	581
Salaries and employee benefits	$12,682,000	421
Premises and equipment expense	$1,326,000	917
Additional noninterest expense	$3,896,000	887
Pre-tax net operating income	$25,457,000	218
Securities gains (losses)	$0	3,178
Applicable income taxes	$9,632,000	185
Income before extraordinary items	$15,825,000	249
Extraordinary gains, net	$0	19
Net income	$15,825,000	248
Minority interest net income	$0	84
Net income of bank and minority interests.	$15,825,000	249
Net charge-offs	$632,000	1,557
Cash dividends	$14,007,000	129
Sale, conversion, retirement of capital stock, net	$4,071,000	46
Net operating income	$15,825,000	236
2012-03-31 (YTD Data)		Rank
Total interest income	$30,121,000	245
Total interest expense	$8,655,000	141
Net interest income	$21,466,000	289
Provision for loan and lease losses	$1,500,000	441
Total noninterest income	$1,636,000	904
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$160,000	2,028
Trading account gains and fees	$0	148
Additional Noninterest Income	$1,476,000	691
Total noninterest expense	$8,877,000	577
Salaries and employee benefits	$6,089,000	433
Premises and equipment expense	$791,000	760
Additional noninterest expense	$1,997,000	850
Pre-tax net operating income	$12,725,000	208
Securities gains (losses)	$0	2,210
Applicable income taxes	$4,946,000	175
Income before extraordinary items	$7,779,000	240
Extraordinary gains, net	$0	19
Net income	$7,779,000	241
Minority interest net income	$0	78
Net income of bank and minority interests.	$7,779,000	241
Net charge-offs	$70,000	2,758
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$2,010,000	42
Net operating income	$7,779,000	233
2011-12-31 (YTD Data)		Rank
Total interest income	$117,490,000	253
Total interest expense	$37,206,000	154
Net interest income	$80,284,000	291
Provision for loan and lease losses	$10,300,000	406
Total noninterest income	$5,142,000	1,023
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$776,000	1,826
Trading account gains and fees	$0	146
Additional Noninterest Income	$4,366,000	786
Total noninterest expense	$32,284,000	619
Salaries and employee benefits	$20,570,000	478
Premises and equipment expense	$2,683,000	938
Additional noninterest expense	$9,031,000	792
Pre-tax net operating income	$42,842,000	217
Securities gains (losses)	$229,000	1,349
Applicable income taxes	$15,575,000	192
Income before extraordinary items	$27,496,000	242
Extraordinary gains, net	$0	29
Net income	$27,496,000	243
Minority interest net income	$0	96
Net income of bank and minority interests.	$27,496,000	243
Net charge-offs	$5,662,000	725
Cash dividends	$26,869,000	120
Sale, conversion, retirement of capital stock, net	$4,250,000	162
Net operating income	$27,349,440	238
2011-09-30 (YTD Data)		Rank
Total interest income	$87,508,000	254
Total interest expense	$28,239,000	158
Net interest income	$59,269,000	293
Provision for loan and lease losses	$8,300,000	371
Total noninterest income	$2,818,000	1,275
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$583,000	1,828
Trading account gains and fees	$0	145
Additional Noninterest Income	$2,235,000	1,040
Total noninterest expense	$22,426,000	662
Salaries and employee benefits	$14,333,000	514
Premises and equipment expense	$1,900,000	1,001
Additional noninterest expense	$6,193,000	864
Pre-tax net operating income	$31,361,000	220
Securities gains (losses)	$229,000	1,117
Applicable income taxes	$11,477,000	193
Income before extraordinary items	$20,113,000	249
Extraordinary gains, net	$0	21
Net income	$20,113,000	250
Minority interest net income	$0	87
Net income of bank and minority interests.	$20,113,000	250
Net charge-offs	$4,941,000	633
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$2,223,000	198
Net operating income	$19,966,440	245
2011-06-30 (YTD Data)		Rank
Total interest income	$58,256,000	260
Total interest expense	$18,951,000	165
Net interest income	$39,305,000	294
Provision for loan and lease losses	$4,800,000	458
Total noninterest income	$1,154,000	1,803
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$376,000	1,854
Trading account gains and fees	$0	153
Additional Noninterest Income	$778,000	1,593
Total noninterest expense	$14,579,000	689
Salaries and employee benefits	$8,992,000	546
Premises and equipment expense	$1,288,000	993
Additional noninterest expense	$4,299,000	843
Pre-tax net operating income	$21,080,000	214
Securities gains (losses)	$229,000	667
Applicable income taxes	$7,989,000	179
Income before extraordinary items	$13,320,000	241
Extraordinary gains, net	$0	15
Net income	$13,320,000	241
Minority interest net income	$0	89
Net income of bank and minority interests.	$13,320,000	241
Net charge-offs	$2,467,000	792
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$927,000	171
Net operating income	$13,173,440	236
2011-03-31 (YTD Data)		Rank
Total interest income	$29,084,000	262
Total interest expense	$9,412,000	171
Net interest income	$19,672,000	292
Provision for loan and lease losses	$2,300,000	453
Total noninterest income	$1,156,000	1,097
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$184,000	1,865
Trading account gains and fees	$0	158
Additional Noninterest Income	$972,000	848
Total noninterest expense	$8,182,000	633
Salaries and employee benefits	$4,485,000	552
Premises and equipment expense	$720,000	916
Additional noninterest expense	$2,977,000	599
Pre-tax net operating income	$10,346,000	211
Securities gains (losses)	$252,000	290
Applicable income taxes	$3,861,000	183
Income before extraordinary items	$6,737,000	235
Extraordinary gains, net	$0	9
Net income	$6,737,000	235
Minority interest net income	$0	86
Net income of bank and minority interests.	$6,737,000	235
Net charge-offs	$2,152,000	516
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$464,000	145
Net operating income	$6,575,720	236
2010-12-31 (YTD Data)		Rank
Total interest income	$110,262,000	284
Total interest expense	$39,740,000	192
Net interest income	$70,522,000	323
Provision for loan and lease losses	$9,450,000	698
Total noninterest income	$5,125,000	1,078
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$740,000	1,959
Trading account gains and fees	$0	175
Additional Noninterest Income	$4,385,000	815
Total noninterest expense	$42,968,000	485
Salaries and employee benefits	$31,642,000	309
Premises and equipment expense	$2,337,000	1,114
Additional noninterest expense	$8,989,000	821
Pre-tax net operating income	$23,229,000	264
Securities gains (losses)	$36,000	2,848
Applicable income taxes	$9,717,000	231
Income before extraordinary items	$13,548,000	344
Extraordinary gains, net	$0	29
Net income	$13,548,000	344
Minority interest net income	$0	111
Net income of bank and minority interests.	$13,548,000	345
Net charge-offs	$7,433,000	757
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$-6,279,000	7,654
Net operating income	$13,524,960	331
2010-09-30 (YTD Data)		Rank
Total interest income	$81,434,000	288
Total interest expense	$30,093,000	196
Net interest income	$51,341,000	328
Provision for loan and lease losses	$6,950,000	677
Total noninterest income	$3,875,000	1,026
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$553,000	2,015
Trading account gains and fees	$0	165
Additional Noninterest Income	$3,322,000	767
Total noninterest expense	$35,287,000	437
Salaries and employee benefits	$26,639,000	265
Premises and equipment expense	$1,779,000	1,104
Additional noninterest expense	$6,869,000	791
Pre-tax net operating income	$12,979,000	340
Securities gains (losses)	$36,000	2,626
Applicable income taxes	$5,977,000	247
Income before extraordinary items	$7,038,000	485
Extraordinary gains, net	$0	23
Net income	$7,038,000	488
Minority interest net income	$0	110
Net income of bank and minority interests.	$7,038,000	488
Net charge-offs	$2,107,000	1,459
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$-6,689,000	7,758
Net operating income	$7,014,960	463
2010-06-30 (YTD Data)		Rank
Total interest income	$53,188,000	297
Total interest expense	$20,043,000	206
Net interest income	$33,145,000	338
Provision for loan and lease losses	$4,950,000	642
Total noninterest income	$2,200,000	1,150
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$370,000	2,007
Trading account gains and fees	$0	152
Additional Noninterest Income	$1,830,000	857
Total noninterest expense	$27,643,000	387
Salaries and employee benefits	$21,940,000	212
Premises and equipment expense	$1,185,000	1,117
Additional noninterest expense	$4,518,000	795
Pre-tax net operating income	$2,752,000	983
Securities gains (losses)	$23,000	2,310
Applicable income taxes	$2,281,000	364
Income before extraordinary items	$494,000	3,436
Extraordinary gains, net	$0	19
Net income	$494,000	3,433
Minority interest net income	$0	105
Net income of bank and minority interests.	$494,000	3,435
Net charge-offs	$1,212,000	1,545
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$-7,054,000	7,827
Net operating income	$479,280	3,376
2010-03-31 (YTD Data)		Rank
Total interest income	$26,629,000	308
Total interest expense	$10,261,000	218
Net interest income	$16,368,000	346
Provision for loan and lease losses	$2,500,000	628
Total noninterest income	$1,275,000	997
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$190,000	1,950
Trading account gains and fees	$0	175
Additional Noninterest Income	$1,085,000	738
Total noninterest expense	$7,353,000	680
Salaries and employee benefits	$4,747,000	517
Premises and equipment expense	$643,000	1,066
Additional noninterest expense	$1,963,000	902
Pre-tax net operating income	$7,790,000	206
Securities gains (losses)	$11,000	1,699
Applicable income taxes	$3,039,000	172
Income before extraordinary items	$4,762,000	234
Extraordinary gains, net	$0	16
Net income	$4,762,000	235
Minority interest net income	$0	91
Net income of bank and minority interests.	$4,762,000	236
Net charge-offs	$71,000	3,425
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$1,208,000	114
Net operating income	$4,754,960	228
2009-12-31 (YTD Data)		Rank
Total interest income	$95,528,000	354
Total interest expense	$46,321,000	244
Net interest income	$49,207,000	440
Provision for loan and lease losses	$9,555,000	904
Total noninterest income	$6,065,000	941
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$700,000	2,251
Trading account gains and fees	$0	211
Additional Noninterest Income	$5,365,000	669
Total noninterest expense	$29,502,000	716
Salaries and employee benefits	$18,981,000	509
Premises and equipment expense	$2,270,000	1,197
Additional noninterest expense	$8,251,000	954
Pre-tax net operating income	$16,215,000	263
Securities gains (losses)	$-233,000	7,447
Applicable income taxes	$6,318,000	230
Income before extraordinary items	$9,664,000	334
Extraordinary gains, net	$0	34
Net income	$9,664,000	335
Minority interest net income	$0	115
Net income of bank and minority interests.	$9,664,000	336
Net charge-offs	$6,299,000	968
Cash dividends	$19,600,000	110
Sale, conversion, retirement of capital stock, net	$4,965,000	186
Net operating income	$9,813,120	325
2009-09-30 (YTD Data)		Rank
Total interest income	$70,459,000	372
Total interest expense	$35,386,000	264
Net interest income	$35,073,000	466
Provision for loan and lease losses	$7,055,000	815
Total noninterest income	$4,806,000	908
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$503,000	2,346
Trading account gains and fees	$0	212
Additional Noninterest Income	$4,303,000	662
Total noninterest expense	$21,419,000	735
Salaries and employee benefits	$13,744,000	543
Premises and equipment expense	$1,693,000	1,218
Additional noninterest expense	$5,982,000	939
Pre-tax net operating income	$11,405,000	293
Securities gains (losses)	$-244,000	7,622
Applicable income taxes	$4,451,000	239
Income before extraordinary items	$6,710,000	392
Extraordinary gains, net	$0	27
Net income	$6,710,000	390
Minority interest net income	$0	118
Net income of bank and minority interests.	$6,710,000	392
Net charge-offs	$4,797,000	842
Cash dividends	$19,600,000	87
Sale, conversion, retirement of capital stock, net	$3,777,000	187
Net operating income	$6,866,160	379
2009-06-30 (YTD Data)		Rank
Total interest income	$45,076,000	394
Total interest expense	$23,695,000	277
Net interest income	$21,381,000	506
Provision for loan and lease losses	$4,505,000	813
Total noninterest income	$2,328,000	1,188
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$321,000	2,403
Trading account gains and fees	$0	193
Additional Noninterest Income	$2,007,000	881
Total noninterest expense	$14,676,000	722
Salaries and employee benefits	$9,216,000	547
Premises and equipment expense	$1,165,000	1,219
Additional noninterest expense	$4,295,000	886
Pre-tax net operating income	$4,528,000	491
Securities gains (losses)	$-245,000	7,815
Applicable income taxes	$1,792,000	368
Income before extraordinary items	$2,491,000	743
Extraordinary gains, net	$0	21
Net income	$2,491,000	738
Minority interest net income	$0	112
Net income of bank and minority interests.	$2,491,000	743
Net charge-offs	$2,732,000	919
Cash dividends	$10,000,000	100
Sale, conversion, retirement of capital stock, net	$2,601,000	185
Net operating income	$2,647,800	669
2009-03-31 (YTD Data)		Rank
Total interest income	$22,163,000	405
Total interest expense	$11,924,000	286
Net interest income	$10,239,000	529
Provision for loan and lease losses	$2,400,000	658
Total noninterest income	$1,116,000	1,171
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$160,000	2,326
Trading account gains and fees	$0	171
Additional Noninterest Income	$956,000	880
Total noninterest expense	$6,581,000	759
Salaries and employee benefits	$4,362,000	573
Premises and equipment expense	$643,000	1,110
Additional noninterest expense	$1,576,000	1,070
Pre-tax net operating income	$2,374,000	496
Securities gains (losses)	$-237,000	8,054
Applicable income taxes	$1,067,000	334
Income before extraordinary items	$1,070,000	1,008
Extraordinary gains, net	$0	15
Net income	$1,070,000	1,008
Minority interest net income	$0	102
Net income of bank and minority interests.	$1,070,000	1,010
Net charge-offs	$0	5,728
Cash dividends	$10,000,000	58
Sale, conversion, retirement of capital stock, net	$1,168,000	149
Net operating income	$1,221,680	800
2008-12-31 (YTD Data)		Rank
Total interest income	$78,088,000	493
Total interest expense	$42,261,000	379
Net interest income	$35,827,000	603
Provision for loan and lease losses	$8,725,000	662
Total noninterest income	$5,719,000	948
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$695,000	2,356
Trading account gains and fees	$0	154
Additional Noninterest Income	$5,024,000	648
Total noninterest expense	$22,458,000	887
Salaries and employee benefits	$15,620,000	625
Premises and equipment expense	$1,730,000	1,600
Additional noninterest expense	$5,108,000	1,242
Pre-tax net operating income	$10,363,000	518
Securities gains (losses)	$-2,048,000	7,907
Applicable income taxes	$3,316,000	432
Income before extraordinary items	$4,999,000	815
Extraordinary gains, net	$0	39
Net income	$4,999,000	815
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,039
Cash dividends	$0	5,455
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$6,309,720	680
2008-09-30 (YTD Data)		Rank
Total interest income	$56,532,000	519
Total interest expense	$30,752,000	413
Net interest income	$25,780,000	639
Provision for loan and lease losses	$5,225,000	634
Total noninterest income	$4,452,000	959
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$517,000	2,389
Trading account gains and fees	$0	148
Additional Noninterest Income	$3,935,000	669
Total noninterest expense	$15,997,000	927
Salaries and employee benefits	$11,119,000	678
Premises and equipment expense	$1,216,000	1,708
Additional noninterest expense	$3,662,000	1,253
Pre-tax net operating income	$9,010,000	560
Securities gains (losses)	$-646,000	7,822
Applicable income taxes	$3,399,000	417
Income before extraordinary items	$4,965,000	734
Extraordinary gains, net	$0	31
Net income	$4,965,000	732
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,534
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$5,378,440	708
2008-06-30 (YTD Data)		Rank
Total interest income	$36,188,000	543
Total interest expense	$20,390,000	432
Net interest income	$15,798,000	705
Provision for loan and lease losses	$3,350,000	561
Total noninterest income	$3,228,000	909
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$341,000	2,397
Trading account gains and fees	$0	149
Additional Noninterest Income	$2,887,000	632
Total noninterest expense	$10,195,000	967
Salaries and employee benefits	$6,942,000	732
Premises and equipment expense	$807,000	1,710
Additional noninterest expense	$2,446,000	1,217
Pre-tax net operating income	$5,481,000	647
Securities gains (losses)	$-646,000	8,359
Applicable income taxes	$1,950,000	526
Income before extraordinary items	$2,885,000	955
Extraordinary gains, net	$0	21
Net income	$2,885,000	955
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,998
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$3,298,440	810
2008-03-31 (YTD Data)		Rank
Total interest income	$17,998,000	562
Total interest expense	$10,304,000	460
Net interest income	$7,694,000	714
Provision for loan and lease losses	$750,000	753
Total noninterest income	$1,175,000	1,164
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$169,000	2,380
Trading account gains and fees	$0	158
Additional Noninterest Income	$1,006,000	859
Total noninterest expense	$4,669,000	1,047
Salaries and employee benefits	$3,013,000	858
Premises and equipment expense	$435,000	1,609
Additional noninterest expense	$1,221,000	1,173
Pre-tax net operating income	$3,450,000	564
Securities gains (losses)	$0	2,688
Applicable income taxes	$1,417,000	446
Income before extraordinary items	$2,033,000	746
Extraordinary gains, net	$0	15
Net income	$2,033,000	747
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	$2,033,000	715
2007-12-31 (YTD Data)		Rank
Total interest income	$67,827,000	626
Total interest expense	$38,736,000	522
Net interest income	$29,091,000	754
Provision for loan and lease losses	$2,085,000	818
Total noninterest income	$5,845,000	968
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$681,000	2,422
Trading account gains and fees	$0	178
Additional Noninterest Income	$5,164,000	664
Total noninterest expense	$18,056,000	1,038
Salaries and employee benefits	$11,277,000	877
Premises and equipment expense	$1,589,000	1,668
Additional noninterest expense	$5,190,000	1,084
Pre-tax net operating income	$14,795,000	596
Securities gains (losses)	$0	2,146
Applicable income taxes	$1,221,000	1,632
Income before extraordinary items	$13,574,000	489
Extraordinary gains, net	$0	39
Net income	$13,574,000	486
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,600
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$13,574,000	484
2007-09-30 (YTD Data)		Rank
Total interest income	$50,430,000	623
Total interest expense	$28,563,000	534
Net interest income	$21,867,000	757
Provision for loan and lease losses	$1,135,000	811
Total noninterest income	$4,655,000	915
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$511,000	2,401
Trading account gains and fees	$0	184
Additional Noninterest Income	$4,144,000	636
Total noninterest expense	$13,248,000	1,048
Salaries and employee benefits	$7,934,000	938
Premises and equipment expense	$1,187,000	1,660
Additional noninterest expense	$4,127,000	1,008
Pre-tax net operating income	$12,139,000	587
Securities gains (losses)	$0	1,655
Applicable income taxes	$145,000	4,077
Income before extraordinary items	$11,994,000	461
Extraordinary gains, net	$0	33
Net income	$11,994,000	459
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,076
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$11,994,000	450
2007-06-30 (YTD Data)		Rank
Total interest income	$33,684,000	639
Total interest expense	$18,768,000	547
Net interest income	$14,916,000	760
Provision for loan and lease losses	$785,000	711
Total noninterest income	$3,349,000	890
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$347,000	2,371
Trading account gains and fees	$0	168
Additional Noninterest Income	$3,002,000	611
Total noninterest expense	$9,070,000	1,041
Salaries and employee benefits	$5,076,000	998
Premises and equipment expense	$801,000	1,658
Additional noninterest expense	$3,193,000	881
Pre-tax net operating income	$8,410,000	598
Securities gains (losses)	$0	1,444
Applicable income taxes	$-254,000	8,486
Income before extraordinary items	$8,664,000	472
Extraordinary gains, net	$0	29
Net income	$8,664,000	471
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	$8,664,000	463
2007-03-31 (YTD Data)		Rank
Total interest income	$17,477,000	608
Total interest expense	$9,234,000	542
Net interest income	$8,243,000	683
Provision for loan and lease losses	$350,000	698
Total noninterest income	$1,793,000	820
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$175,000	2,297
Trading account gains and fees	$0	195
Additional Noninterest Income	$1,618,000	579
Total noninterest expense	$5,273,000	880
Salaries and employee benefits	$2,698,000	944
Premises and equipment expense	$360,000	1,842
Additional noninterest expense	$2,215,000	624
Pre-tax net operating income	$4,413,000	576
Securities gains (losses)	$0	1,187
Applicable income taxes	$1,779,000	483
Income before extraordinary items	$2,634,000	687
Extraordinary gains, net	$0	22
Net income	$2,634,000	686
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	$2,634,000	677
2006-12-31 (YTD Data)		Rank
Total interest income	$54,248,000	712
Total interest expense	$28,053,000	614
Net interest income	$26,195,000	841
Provision for loan and lease losses	$1,125,000	935
Total noninterest income	$5,208,000	1,056
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$690,000	2,400
Trading account gains and fees	$0	130
Additional Noninterest Income	$4,518,000	727
Total noninterest expense	$17,441,000	1,032
Salaries and employee benefits	$11,583,000	826
Premises and equipment expense	$1,758,000	1,461
Additional noninterest expense	$4,100,000	1,299
Pre-tax net operating income	$12,837,000	781
Securities gains (losses)	$-35,000	7,792
Applicable income taxes	$4,839,000	651
Income before extraordinary items	$7,963,000	936
Extraordinary gains, net	$0	51
Net income	$7,963,000	936
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,377
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$7,985,400	920
2006-09-30 (YTD Data)		Rank
Total interest income	$39,079,000	739
Total interest expense	$19,780,000	634
Net interest income	$19,299,000	878
Provision for loan and lease losses	$850,000	895
Total noninterest income	$4,137,000	1,023
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$517,000	2,412
Trading account gains and fees	$0	126
Additional Noninterest Income	$3,620,000	699
Total noninterest expense	$13,227,000	1,024
Salaries and employee benefits	$9,046,000	799
Premises and equipment expense	$1,363,000	1,431
Additional noninterest expense	$2,818,000	1,402
Pre-tax net operating income	$9,359,000	829
Securities gains (losses)	$-35,000	8,051
Applicable income taxes	$3,620,000	682
Income before extraordinary items	$5,704,000	1,021
Extraordinary gains, net	$0	45
Net income	$5,704,000	1,020
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,858
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$5,726,400	1,002
2006-06-30 (YTD Data)		Rank
Total interest income	$25,745,000	734
Total interest expense	$12,480,000	635
Net interest income	$13,265,000	852
Provision for loan and lease losses	$700,000	716
Total noninterest income	$2,987,000	951
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$355,000	2,324
Trading account gains and fees	$0	126
Additional Noninterest Income	$2,632,000	652
Total noninterest expense	$8,968,000	1,007
Salaries and employee benefits	$6,173,000	787
Premises and equipment expense	$985,000	1,322
Additional noninterest expense	$1,810,000	1,465
Pre-tax net operating income	$6,584,000	794
Securities gains (losses)	$-35,000	8,269
Applicable income taxes	$2,605,000	657
Income before extraordinary items	$3,944,000	976
Extraordinary gains, net	$0	39
Net income	$3,944,000	977
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,361
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$3,966,400	954
2006-03-31 (YTD Data)		Rank
Total interest income	$12,858,000	719
Total interest expense	$6,036,000	623
Net interest income	$6,822,000	825
Provision for loan and lease losses	$393,000	619
Total noninterest income	$943,000	1,338
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$175,000	2,277
Trading account gains and fees	$0	115
Additional Noninterest Income	$768,000	985
Total noninterest expense	$4,320,000	1,050
Salaries and employee benefits	$2,903,000	845
Premises and equipment expense	$545,000	1,184
Additional noninterest expense	$872,000	1,506
Pre-tax net operating income	$3,052,000	835
Securities gains (losses)	$0	955
Applicable income taxes	$1,184,000	701
Income before extraordinary items	$1,868,000	1,022
Extraordinary gains, net	$0	21
Net income	$1,868,000	1,021
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,399
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$1,868,000	1,005
2005-12-31 (YTD Data)		Rank
Total interest income	$47,856,000	678
Total interest expense	$20,925,000	564
Net interest income	$26,931,000	784
Provision for loan and lease losses	$0	7,120
Total noninterest income	$4,888,000	1,106
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$617,000	2,606
Trading account gains and fees	$0	138
Additional Noninterest Income	$4,271,000	761
Total noninterest expense	$15,811,000	1,082
Salaries and employee benefits	$9,609,000	951
Premises and equipment expense	$2,155,000	1,128
Additional noninterest expense	$4,047,000	1,278
Pre-tax net operating income	$16,008,000	637
Securities gains (losses)	$-322,000	8,666
Applicable income taxes	$5,659,000	587
Income before extraordinary items	$10,027,000	727
Extraordinary gains, net	$0	46
Net income	$10,027,000	729
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,618
Cash dividends	$10,000,000	382
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$10,233,080	695
2005-09-30 (YTD Data)		Rank
Total interest income	$35,464,000	665
Total interest expense	$15,122,000	548
Net interest income	$20,342,000	767
Provision for loan and lease losses	$0	6,899
Total noninterest income	$3,031,000	1,279
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$429,000	2,759
Trading account gains and fees	$0	126
Additional Noninterest Income	$2,602,000	930
Total noninterest expense	$11,222,000	1,137
Salaries and employee benefits	$6,534,000	1,050
Premises and equipment expense	$1,639,000	1,103
Additional noninterest expense	$3,049,000	1,258
Pre-tax net operating income	$12,151,000	627
Securities gains (losses)	$2,000	2,008
Applicable income taxes	$4,447,000	570
Income before extraordinary items	$7,706,000	704
Extraordinary gains, net	$0	35
Net income	$7,706,000	705
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,144
Cash dividends	$5,000,000	473
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$7,704,720	686
2005-06-30 (YTD Data)		Rank
Total interest income	$23,297,000	658
Total interest expense	$9,591,000	545
Net interest income	$13,706,000	750
Provision for loan and lease losses	$0	6,626
Total noninterest income	$2,030,000	1,249
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$278,000	2,766
Trading account gains and fees	$0	116
Additional Noninterest Income	$1,752,000	893
Total noninterest expense	$7,450,000	1,130
Salaries and employee benefits	$4,327,000	1,052
Premises and equipment expense	$1,120,000	1,064
Additional noninterest expense	$2,003,000	1,252
Pre-tax net operating income	$8,286,000	601
Securities gains (losses)	$2,000	1,855
Applicable income taxes	$2,994,000	548
Income before extraordinary items	$5,294,000	678
Extraordinary gains, net	$0	30
Net income	$5,294,000	678
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,660
Cash dividends	$5,000,000	335
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$5,292,720	659
2005-03-31 (YTD Data)		Rank
Total interest income	$11,570,000	650
Total interest expense	$4,655,000	529
Net interest income	$6,915,000	733
Provision for loan and lease losses	$0	6,226
Total noninterest income	$1,038,000	1,213
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$130,000	2,849
Trading account gains and fees	$0	115
Additional Noninterest Income	$908,000	852
Total noninterest expense	$3,730,000	1,119
Salaries and employee benefits	$2,141,000	1,058
Premises and equipment expense	$640,000	923
Additional noninterest expense	$949,000	1,308
Pre-tax net operating income	$4,223,000	597
Securities gains (losses)	$2,000	1,406
Applicable income taxes	$1,447,000	571
Income before extraordinary items	$2,778,000	645
Extraordinary gains, net	$0	24
Net income	$2,778,000	645
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	$2,776,680	625
2004-12-31 (YTD Data)		Rank
Total interest income	$44,367,000	636
Total interest expense	$17,495,000	480
Net interest income	$26,872,000	719
Provision for loan and lease losses	$0	7,314
Total noninterest income	$2,907,000	1,644
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$590,000	2,743
Trading account gains and fees	$0	138
Additional Noninterest Income	$2,317,000	1,198
Total noninterest expense	$13,612,000	1,199
Salaries and employee benefits	$8,135,000	1,060
Premises and equipment expense	$2,165,000	1,071
Additional noninterest expense	$3,312,000	1,500
Pre-tax net operating income	$16,167,000	580
Securities gains (losses)	$4,000	3,277
Applicable income taxes	$5,929,000	531
Income before extraordinary items	$10,242,000	656
Extraordinary gains, net	$0	34
Net income	$10,242,000	657
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,973
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$10,239,440	626
2004-09-30 (YTD Data)		Rank
Total interest income	$32,964,000	633
Total interest expense	$12,816,000	478
Net interest income	$20,148,000	713
Provision for loan and lease losses	$0	7,100
Total noninterest income	$2,211,000	1,639
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$454,000	2,696
Trading account gains and fees	$0	134
Additional Noninterest Income	$1,757,000	1,195
Total noninterest expense	$9,979,000	1,226
Salaries and employee benefits	$5,955,000	1,082
Premises and equipment expense	$1,426,000	1,208
Additional noninterest expense	$2,598,000	1,422
Pre-tax net operating income	$12,380,000	571
Securities gains (losses)	$4,000	3,145
Applicable income taxes	$4,483,000	526
Income before extraordinary items	$7,901,000	647
Extraordinary gains, net	$0	26
Net income	$7,901,000	648
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,496
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$7,898,440	619
2004-06-30 (YTD Data)		Rank
Total interest income	$21,716,000	638
Total interest expense	$8,474,000	474
Net interest income	$13,242,000	717
Provision for loan and lease losses	$0	6,885
Total noninterest income	$1,382,000	1,712
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$309,000	2,649
Trading account gains and fees	$0	130
Additional Noninterest Income	$1,073,000	1,256
Total noninterest expense	$6,482,000	1,252
Salaries and employee benefits	$3,961,000	1,084
Premises and equipment expense	$770,000	1,505
Additional noninterest expense	$1,751,000	1,384
Pre-tax net operating income	$8,142,000	569
Securities gains (losses)	$4,000	2,826
Applicable income taxes	$3,037,000	519
Income before extraordinary items	$5,109,000	658
Extraordinary gains, net	$0	21
Net income	$5,109,000	658
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,017
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$5,106,440	627
2004-03-31 (YTD Data)		Rank
Total interest income	$10,934,000	644
Total interest expense	$4,203,000	489
Net interest income	$6,731,000	720
Provision for loan and lease losses	$0	6,501
Total noninterest income	$835,000	1,444
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$167,000	2,448
Trading account gains and fees	$0	121
Additional Noninterest Income	$668,000	1,047
Total noninterest expense	$3,482,000	1,170
Salaries and employee benefits	$2,065,000	1,045
Premises and equipment expense	$529,000	1,116
Additional noninterest expense	$888,000	1,360
Pre-tax net operating income	$4,084,000	564
Securities gains (losses)	$4,000	2,410
Applicable income taxes	$1,518,000	526
Income before extraordinary items	$2,570,000	654
Extraordinary gains, net	$0	16
Net income	$2,570,000	653
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,097
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$2,567,440	612
2003-12-31 (YTD Data)		Rank
Total interest income	$44,693,000	628
Total interest expense	$18,709,000	490
Net interest income	$25,984,000	729
Provision for loan and lease losses	$0	7,651
Total noninterest income	$3,044,000	1,664
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$680,000	2,421
Trading account gains and fees	$0	160
Additional Noninterest Income	$2,364,000	1,287
Total noninterest expense	$12,660,000	1,278
Salaries and employee benefits	$7,487,000	1,130
Premises and equipment expense	$1,659,000	1,372
Additional noninterest expense	$3,514,000	1,392
Pre-tax net operating income	$16,368,000	555
Securities gains (losses)	$0	4,500
Applicable income taxes	$6,056,000	536
Income before extraordinary items	$10,312,000	642
Extraordinary gains, net	$0	54
Net income	$10,312,000	644
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-8,000	8,564
Cash dividends	$5,000,000	626
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$10,312,000	598
2003-09-30 (YTD Data)		Rank
Total interest income	$33,849,000	640
Total interest expense	$14,404,000	502
Net interest income	$19,445,000	736
Provision for loan and lease losses	$0	7,481
Total noninterest income	$2,281,000	1,710
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$506,000	2,446
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,775,000	1,349
Total noninterest expense	$9,381,000	1,306
Salaries and employee benefits	$5,470,000	1,171
Premises and equipment expense	$1,259,000	1,367
Additional noninterest expense	$2,652,000	1,390
Pre-tax net operating income	$12,345,000	568
Securities gains (losses)	$0	4,204
Applicable income taxes	$4,545,000	552
Income before extraordinary items	$7,800,000	659
Extraordinary gains, net	$0	40
Net income	$7,800,000	660
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-8,000	8,464
Cash dividends	$5,000,000	478
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$7,800,000	612
2003-06-30 (YTD Data)		Rank
Total interest income	$23,246,000	621
Total interest expense	$9,843,000	505
Net interest income	$13,403,000	712
Provision for loan and lease losses	$0	7,324
Total noninterest income	$1,433,000	1,783
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$314,000	2,558
Trading account gains and fees	$0	150
Additional Noninterest Income	$1,119,000	1,396
Total noninterest expense	$6,099,000	1,341
Salaries and employee benefits	$3,474,000	1,232
Premises and equipment expense	$877,000	1,310
Additional noninterest expense	$1,748,000	1,419
Pre-tax net operating income	$8,737,000	539
Securities gains (losses)	$0	3,782
Applicable income taxes	$3,284,000	520
Income before extraordinary items	$5,453,000	640
Extraordinary gains, net	$0	30
Net income	$5,453,000	640
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-8,000	8,455
Cash dividends	$5,000,000	343
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$5,453,000	589
2003-03-31 (YTD Data)		Rank
Total interest income	$11,893,000	617
Total interest expense	$5,015,000	510
Net interest income	$6,878,000	698
Provision for loan and lease losses	$0	6,934
Total noninterest income	$708,000	1,761
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$167,000	2,371
Trading account gains and fees	$0	134
Additional Noninterest Income	$541,000	1,406
Total noninterest expense	$3,109,000	1,303
Salaries and employee benefits	$1,722,000	1,248
Premises and equipment expense	$494,000	1,170
Additional noninterest expense	$893,000	1,353
Pre-tax net operating income	$4,477,000	535
Securities gains (losses)	$0	2,891
Applicable income taxes	$1,685,000	520
Income before extraordinary items	$2,792,000	620
Extraordinary gains, net	$0	21
Net income	$2,792,000	618
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,539
Cash dividends	$5,000,000	181
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$2,792,000	578
2002-12-31 (YTD Data)		Rank
Total interest income	$51,316,000	604
Total interest expense	$22,434,000	524
Net interest income	$28,882,000	659
Provision for loan and lease losses	$573,000	2,149
Total noninterest income	$3,512,000	1,379
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$738,000	2,152
Trading account gains and fees	$0	153
Additional Noninterest Income	$2,774,000	1,048
Total noninterest expense	$15,709,000	999
Salaries and employee benefits	$7,342,000	1,087
Premises and equipment expense	$1,663,000	1,318
Additional noninterest expense	$6,704,000	762
Pre-tax net operating income	$16,112,000	549
Securities gains (losses)	$0	4,537
Applicable income taxes	$6,113,000	501
Income before extraordinary items	$9,999,000	628
Extraordinary gains, net	$0	70
Net income	$9,999,000	629
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	7,261
Cash dividends	$5,000,000	609
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$9,999,000	601
2001-12-31 (YTD Data)		Rank
Total interest income	$44,218,000	770
Total interest expense	$24,210,000	690
Net interest income	$20,008,000	879
Provision for loan and lease losses	$270,000	3,439
Total noninterest income	$3,152,000	1,424
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$362,000	3,677
Trading account gains and fees	$0	177
Additional Noninterest Income	$2,790,000	999
Total noninterest expense	$9,719,000	1,508
Salaries and employee benefits	$5,636,000	1,318
Premises and equipment expense	$1,184,000	1,821
Additional noninterest expense	$2,899,000	1,603
Pre-tax net operating income	$13,171,000	598
Securities gains (losses)	$0	4,612
Applicable income taxes	$4,623,000	576
Income before extraordinary items	$8,548,000	655
Extraordinary gains, net	$0	105
Net income	$8,548,000	658
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,777
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$8,548,000	630
2000-12-31 (YTD Data)		Rank
Total interest income	$44,372,000	796
Total interest expense	$24,513,000	745
Net interest income	$19,859,000	873
Provision for loan and lease losses	$742,000	1,350
Total noninterest income	$3,258,000	1,250
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$316,000	3,907
Trading account gains and fees	$0	180
Additional Noninterest Income	$2,942,000	870
Total noninterest expense	$10,392,000	1,334
Salaries and employee benefits	$5,997,000	1,177
Premises and equipment expense	$1,274,000	1,630
Additional noninterest expense	$3,121,000	1,439
Pre-tax net operating income	$11,983,000	669
Securities gains (losses)	$0	1,956
Applicable income taxes	$2,902,000	853
Income before extraordinary items	$9,081,000	620
Extraordinary gains, net	$0	38
Net income	$9,081,000	620
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,622
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$9,081,000	616
1999-12-31 (YTD Data)		Rank
Total interest income	$41,221,000	823
Total interest expense	$22,689,000	717
Net interest income	$18,532,000	949
Provision for loan and lease losses	$0	8,503
Total noninterest income	$2,935,000	1,377
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$443,000	2,931
Trading account gains and fees	$0	173
Additional Noninterest Income	$2,492,000	993
Total noninterest expense	$9,304,000	1,495
Salaries and employee benefits	$5,448,000	1,273
Premises and equipment expense	$1,971,000	1,026
Additional noninterest expense	$1,885,000	2,323
Pre-tax net operating income	$12,163,000	695
Securities gains (losses)	$0	3,155
Applicable income taxes	$4,053,000	697
Income before extraordinary items	$8,110,000	724
Extraordinary gains, net	$0	35
Net income	$8,110,000	725
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,897
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$-69,000	10,086
Net operating income	$8,110,000	711
1998-12-31 (YTD Data)		Rank
Total interest income	$40,694,000	819
Total interest expense	$23,026,000	712
Net interest income	$17,668,000	953
Provision for loan and lease losses	$0	8,652
Total noninterest income	$2,788,000	1,422
Gross Fiduciary activities income	$0	1,398
Service charges on deposit accounts	$398,000	3,146
Trading account gains and fees	$0	224
Additional Noninterest Income	$2,390,000	1,039
Total noninterest expense	$9,262,000	1,425
Salaries and employee benefits	$4,760,000	1,380
Premises and equipment expense	$1,764,000	1,090
Additional noninterest expense	$2,738,000	1,574
Pre-tax net operating income	$11,194,000	712
Securities gains (losses)	$0	4,449
Applicable income taxes	$4,319,000	645
Income before extraordinary items	$6,875,000	800
Extraordinary gains, net	$0	32
Net income	$6,875,000	800
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,132
Cash dividends	$5,330,000	615
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$6,875,000	769
1997-12-31 (YTD Data)		Rank
Total interest income	$40,903,000	829
Total interest expense	$23,380,000	716
Net interest income	$17,523,000	1,008
Provision for loan and lease losses	$750,000	1,253
Total noninterest income	$4,962,000	933
Gross Fiduciary activities income	$0	1,450
Service charges on deposit accounts	$259,000	4,534
Trading account gains and fees	$0	239
Additional Noninterest Income	$4,703,000	638
Total noninterest expense	$10,027,000	1,317
Salaries and employee benefits	$4,992,000	1,325
Premises and equipment expense	$2,094,000	952
Additional noninterest expense	$2,941,000	1,469
Pre-tax net operating income	$11,708,000	715
Securities gains (losses)	$0	3,944
Applicable income taxes	$4,272,000	683
Income before extraordinary items	$7,436,000	762
Extraordinary gains, net	$0	44
Net income	$7,436,000	764
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,513
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$7,436,000	746
1996-12-31 (YTD Data)		Rank
Total interest income	$39,526,000	888
Total interest expense	$22,488,000	768
Net interest income	$17,038,000	1,061
Provision for loan and lease losses	$400,000	2,077
Total noninterest income	$1,656,000	2,133
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	262
Additional Noninterest Income	$1,656,000	1,321
Total noninterest expense	$13,377,000	1,112
Salaries and employee benefits	$5,448,000	1,222
Premises and equipment expense	$2,317,000	933
Additional noninterest expense	$5,612,000	1,037
Pre-tax net operating income	$4,917,000	1,467
Securities gains (losses)	$51,000	1,313
Applicable income taxes	$1,940,000	1,271
Income before extraordinary items	$3,028,000	1,645
Extraordinary gains, net	$0	53
Net income	$3,028,000	1,646
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	9,914
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$2,995,360	1,634
1995-12-31 (YTD Data)		Rank
Total interest income	$36,857,000	966
Total interest expense	$20,597,000	862
Net interest income	$16,260,000	1,130
Provision for loan and lease losses	$1,424,000	737
Total noninterest income	$1,962,000	1,857
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	522
Additional Noninterest Income	$1,962,000	1,142
Total noninterest expense	$9,290,000	1,530
Salaries and employee benefits	$5,024,000	1,317
Premises and equipment expense	$2,075,000	1,033
Additional noninterest expense	$2,191,000	2,228
Pre-tax net operating income	$7,508,000	1,036
Securities gains (losses)	$0	3,831
Applicable income taxes	$2,799,000	959
Income before extraordinary items	$4,709,000	1,128
Extraordinary gains, net	$0	65
Net income	$4,709,000	1,126
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$156,000	2,942
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	NA	NA
Net operating income	$4,709,000	1,107
1994-12-31 (YTD Data)		Rank
Total interest income	$34,068,000	936
Total interest expense	$16,435,000	844
Net interest income	$17,633,000	1,045
Provision for loan and lease losses	$1,025,000	903
Total noninterest income	$1,097,000	2,912
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	475
Additional Noninterest Income	$1,097,000	1,735
Total noninterest expense	$8,730,000	1,684
Salaries and employee benefits	$4,661,000	1,446
Premises and equipment expense	$2,040,000	1,036
Additional noninterest expense	$2,029,000	2,541
Pre-tax net operating income	$8,975,000	865
Securities gains (losses)	$-8,000	9,681
Applicable income taxes	$3,377,000	784
Income before extraordinary items	$5,590,000	926
Extraordinary gains, net	$0	249
Net income	$5,590,000	922
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,921
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$5,595,120	930
1993-12-31 (YTD Data)		Rank
Total interest income	$34,432,000	939
Total interest expense	$17,254,000	813
Net interest income	$17,178,000	1,071
Provision for loan and lease losses	$300,000	2,975
Total noninterest income	$1,397,000	2,585
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$1,397,000	1,635
Total noninterest expense	$7,759,000	1,913
Salaries and employee benefits	$4,040,000	1,671
Premises and equipment expense	$1,982,000	1,082
Additional noninterest expense	$1,737,000	3,068
Pre-tax net operating income	$10,516,000	693
Securities gains (losses)	$5,000	6,132
Applicable income taxes	$3,974,000	656
Income before extraordinary items	$6,547,000	796
Extraordinary gains, net	$375,000	589
Net income	$6,922,000	783
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,000	8,297
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$6,543,800	747
1992-12-31 (YTD Data)		Rank
Total interest income	$33,249,000	1,089
Total interest expense	$20,125,000	900
Net interest income	$13,124,000	1,409
Provision for loan and lease losses	$75,000	8,067
Total noninterest income	$33,000	13,491
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$33,000	11,562
Total noninterest expense	$7,425,000	1,987
Salaries and employee benefits	$3,656,000	1,819
Premises and equipment expense	$1,870,000	1,179
Additional noninterest expense	$1,899,000	2,922
Pre-tax net operating income	$5,657,000	1,148
Securities gains (losses)	$1,680,000	457
Applicable income taxes	$2,016,000	1,107
Income before extraordinary items	$5,321,000	898
Extraordinary gains, net	$0	1,422
Net income	$5,321,000	900
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	11,197
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$4,094,600	1,057

* 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.