Sky Trust, Income and Expense
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $103,000 | 8,579 |
| Total interest expense | $0 | 8,596 |
| Net interest income | $103,000 | 8,566 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $14,820,000 | 302 |
| Gross Fiduciary activities income | $14,820,000 | 56 |
| Service charges on deposit accounts | $0 | 7,560 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $0 | 8,426 |
| Total noninterest expense | $11,229,000 | 832 |
| Salaries and employee benefits | $6,357,000 | 792 |
| Premises and equipment expense | $545,000 | 2,368 |
| Additional noninterest expense | $4,327,000 | 653 |
| Pre-tax net operating income | $3,694,000 | 1,284 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $1,350,000 | 1,001 |
| Income before extraordinary items | $2,344,000 | 1,493 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,344,000 | 1,491 |
| 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 | $2,344,000 | 1,476 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $49,000 | 8,626 |
| Total interest expense | $0 | 8,633 |
| Net interest income | $49,000 | 8,613 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $7,318,000 | 298 |
| Gross Fiduciary activities income | $7,318,000 | 56 |
| Service charges on deposit accounts | $0 | 7,573 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $0 | 8,433 |
| Total noninterest expense | $5,528,000 | 839 |
| Salaries and employee benefits | $3,293,000 | 767 |
| Premises and equipment expense | $255,000 | 2,541 |
| Additional noninterest expense | $1,980,000 | 702 |
| Pre-tax net operating income | $1,839,000 | 1,268 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $674,000 | 1,012 |
| Income before extraordinary items | $1,165,000 | 1,482 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,165,000 | 1,483 |
| 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 | $1,165,000 | 1,473 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $207,000 | 8,624 |
| Total interest expense | $0 | 8,665 |
| Net interest income | $207,000 | 8,601 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $25,993,000 | 308 |
| Gross Fiduciary activities income | $25,993,000 | 58 |
| Service charges on deposit accounts | $0 | 7,634 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $0 | 8,532 |
| Total noninterest expense | $20,416,000 | 862 |
| Salaries and employee benefits | $12,111,000 | 777 |
| Premises and equipment expense | $1,113,000 | 2,236 |
| Additional noninterest expense | $7,192,000 | 755 |
| Pre-tax net operating income | $5,784,000 | 1,665 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $2,106,000 | 1,272 |
| Income before extraordinary items | $3,678,000 | 1,926 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,678,000 | 1,927 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $3,000,000 | 1,116 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $3,678,000 | 1,916 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $144,000 | 8,704 |
| Total interest expense | $0 | 8,731 |
| Net interest income | $144,000 | 8,675 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $19,036,000 | 330 |
| Gross Fiduciary activities income | $19,036,000 | 63 |
| Service charges on deposit accounts | $0 | 7,682 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $0 | 8,609 |
| Total noninterest expense | $15,170,000 | 884 |
| Salaries and employee benefits | $9,179,000 | 794 |
| Premises and equipment expense | $809,000 | 2,302 |
| Additional noninterest expense | $5,182,000 | 787 |
| Pre-tax net operating income | $4,010,000 | 1,837 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,461,000 | 1,416 |
| Income before extraordinary items | $2,549,000 | 2,122 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,549,000 | 2,125 |
| 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 | $2,549,000 | 2,107 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $85,000 | 8,746 |
| Total interest expense | $0 | 8,755 |
| Net interest income | $85,000 | 8,730 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $12,762,000 | 331 |
| Gross Fiduciary activities income | $12,762,000 | 67 |
| Service charges on deposit accounts | $0 | 7,707 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $0 | 8,630 |
| Total noninterest expense | $10,340,000 | 870 |
| Salaries and employee benefits | $6,401,000 | 750 |
| Premises and equipment expense | $529,000 | 2,345 |
| Additional noninterest expense | $3,410,000 | 792 |
| Pre-tax net operating income | $2,507,000 | 1,946 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $911,000 | 1,506 |
| Income before extraordinary items | $1,596,000 | 2,229 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,596,000 | 2,232 |
| 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 | $1,596,000 | 2,219 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $38,000 | 8,770 |
| Total interest expense | $0 | 8,772 |
| Net interest income | $38,000 | 8,758 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $6,374,000 | 327 |
| Gross Fiduciary activities income | $6,374,000 | 63 |
| Service charges on deposit accounts | $0 | 7,698 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $0 | 8,611 |
| Total noninterest expense | $5,187,000 | 861 |
| Salaries and employee benefits | $3,301,000 | 719 |
| Premises and equipment expense | $260,000 | 2,391 |
| Additional noninterest expense | $1,626,000 | 823 |
| Pre-tax net operating income | $1,225,000 | 1,937 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $444,000 | 1,529 |
| Income before extraordinary items | $781,000 | 2,249 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $781,000 | 2,249 |
| 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 | $781,000 | 2,227 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $136,000 | 8,779 |
| Total interest expense | $0 | 8,817 |
| Net interest income | $136,000 | 8,767 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $22,209,000 | 370 |
| Gross Fiduciary activities income | $22,209,000 | 69 |
| Service charges on deposit accounts | $0 | 7,759 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $0 | 8,688 |
| Total noninterest expense | $17,624,000 | 967 |
| Salaries and employee benefits | $9,877,000 | 922 |
| Premises and equipment expense | $999,000 | 2,362 |
| Additional noninterest expense | $6,748,000 | 781 |
| Pre-tax net operating income | $4,721,000 | 1,947 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,724,000 | 1,533 |
| Income before extraordinary items | $2,997,000 | 2,250 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,997,000 | 2,251 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $3,000,000 | 1,017 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,997,000 | 2,215 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $94,000 | 8,815 |
| Total interest expense | $0 | 8,842 |
| Net interest income | $94,000 | 8,802 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $16,421,000 | 377 |
| Gross Fiduciary activities income | $16,407,000 | 71 |
| Service charges on deposit accounts | $0 | 7,794 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $14,000 | 8,207 |
| Total noninterest expense | $12,807,000 | 987 |
| Salaries and employee benefits | $7,219,000 | 934 |
| Premises and equipment expense | $743,000 | 2,372 |
| Additional noninterest expense | $4,845,000 | 790 |
| Pre-tax net operating income | $3,708,000 | 1,888 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,354,000 | 1,495 |
| Income before extraordinary items | $2,354,000 | 2,177 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,354,000 | 2,176 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,354,000 | 2,141 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $54,000 | 8,841 |
| Total interest expense | $0 | 8,854 |
| Net interest income | $54,000 | 8,832 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $10,865,000 | 369 |
| Gross Fiduciary activities income | $10,809,000 | 71 |
| Service charges on deposit accounts | $0 | 7,790 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $56,000 | 6,224 |
| Total noninterest expense | $8,563,000 | 980 |
| Salaries and employee benefits | $4,748,000 | 941 |
| Premises and equipment expense | $493,000 | 2,354 |
| Additional noninterest expense | $3,322,000 | 778 |
| Pre-tax net operating income | $2,356,000 | 1,929 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $859,000 | 1,532 |
| Income before extraordinary items | $1,497,000 | 2,235 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,497,000 | 2,233 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,497,000 | 2,201 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $25,000 | 8,907 |
| Total interest expense | $0 | 8,917 |
| Net interest income | $25,000 | 8,898 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $5,417,000 | 366 |
| Gross Fiduciary activities income | $5,414,000 | 74 |
| Service charges on deposit accounts | $0 | 7,845 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $3,000 | 8,454 |
| Total noninterest expense | $4,208,000 | 988 |
| Salaries and employee benefits | $2,435,000 | 915 |
| Premises and equipment expense | $244,000 | 2,404 |
| Additional noninterest expense | $1,529,000 | 820 |
| Pre-tax net operating income | $1,234,000 | 1,831 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $448,000 | 1,470 |
| Income before extraordinary items | $786,000 | 2,116 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $786,000 | 2,117 |
| 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 | $786,000 | 2,083 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $147,000 | 8,902 |
| Total interest expense | $0 | 8,956 |
| Net interest income | $147,000 | 8,888 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $18,289,000 | 415 |
| Gross Fiduciary activities income | $18,281,000 | 76 |
| Service charges on deposit accounts | $0 | 7,912 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $8,000 | 8,601 |
| Total noninterest expense | $16,377,000 | 999 |
| Salaries and employee benefits | $8,103,000 | 1,067 |
| Premises and equipment expense | $872,000 | 2,594 |
| Additional noninterest expense | $7,402,000 | 706 |
| Pre-tax net operating income | $2,059,000 | 3,436 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $784,000 | 2,564 |
| Income before extraordinary items | $1,275,000 | 4,045 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,275,000 | 4,046 |
| 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 | $1,275,000 | 3,987 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $110,000 | 8,959 |
| Total interest expense | $0 | 9,003 |
| Net interest income | $110,000 | 8,945 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $13,293,000 | 434 |
| Gross Fiduciary activities income | $13,285,000 | 80 |
| Service charges on deposit accounts | $0 | 7,933 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $8,000 | 8,558 |
| Total noninterest expense | $11,879,000 | 1,024 |
| Salaries and employee benefits | $5,976,000 | 1,075 |
| Premises and equipment expense | $630,000 | 2,661 |
| Additional noninterest expense | $5,273,000 | 731 |
| Pre-tax net operating income | $1,524,000 | 3,540 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $578,000 | 2,638 |
| Income before extraordinary items | $946,000 | 4,141 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $946,000 | 4,141 |
| 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 | $946,000 | 4,075 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $72,000 | 9,021 |
| Total interest expense | $0 | 9,056 |
| Net interest income | $72,000 | 9,004 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $8,211,000 | 443 |
| Gross Fiduciary activities income | $8,206,000 | 86 |
| Service charges on deposit accounts | $0 | 7,979 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $5,000 | 8,618 |
| Total noninterest expense | $7,622,000 | 1,052 |
| Salaries and employee benefits | $3,768,000 | 1,153 |
| Premises and equipment expense | $407,000 | 2,748 |
| Additional noninterest expense | $3,447,000 | 732 |
| Pre-tax net operating income | $661,000 | 4,590 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $260,000 | 3,323 |
| Income before extraordinary items | $401,000 | 5,316 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $401,000 | 5,316 |
| 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 | $401,000 | 5,230 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $35,000 | 9,070 |
| Total interest expense | $0 | 9,093 |
| Net interest income | $35,000 | 9,054 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $4,109,000 | 441 |
| Gross Fiduciary activities income | $4,105,000 | 87 |
| Service charges on deposit accounts | $0 | 7,976 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $4,000 | 8,419 |
| Total noninterest expense | $3,756,000 | 1,080 |
| Salaries and employee benefits | $1,859,000 | 1,181 |
| Premises and equipment expense | $116,000 | 4,345 |
| Additional noninterest expense | $1,781,000 | 708 |
| Pre-tax net operating income | $388,000 | 4,153 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $151,000 | 3,084 |
| Income before extraordinary items | $237,000 | 4,891 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $237,000 | 4,890 |
| 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 | $237,000 | 4,766 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $160,000 | 9,091 |
| Total interest expense | $0 | 9,164 |
| Net interest income | $160,000 | 9,067 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $14,351,000 | 513 |
| Gross Fiduciary activities income | $14,348,000 | 92 |
| Service charges on deposit accounts | $0 | 8,063 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $3,000 | 8,956 |
| Total noninterest expense | $13,924,000 | 1,165 |
| Salaries and employee benefits | $6,768,000 | 1,265 |
| Premises and equipment expense | $826,000 | 2,674 |
| Additional noninterest expense | $6,330,000 | 814 |
| Pre-tax net operating income | $587,000 | 6,387 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $254,000 | 4,552 |
| Income before extraordinary items | $333,000 | 7,115 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $333,000 | 7,116 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $333,000 | 6,971 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $121,000 | 9,166 |
| Total interest expense | $0 | 9,218 |
| Net interest income | $121,000 | 9,142 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $10,578,000 | 542 |
| Gross Fiduciary activities income | $10,576,000 | 95 |
| Service charges on deposit accounts | $0 | 8,111 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,000 | 9,035 |
| Total noninterest expense | $10,610,000 | 1,157 |
| Salaries and employee benefits | $5,343,000 | 1,206 |
| Premises and equipment expense | $620,000 | 2,694 |
| Additional noninterest expense | $4,647,000 | 841 |
| Pre-tax net operating income | $89,000 | 8,288 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $62,000 | 6,040 |
| Income before extraordinary items | $27,000 | 8,630 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $27,000 | 8,631 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $27,000 | 8,526 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $83,000 | 9,209 |
| Total interest expense | $0 | 9,250 |
| Net interest income | $83,000 | 9,186 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $6,993,000 | 541 |
| Gross Fiduciary activities income | $6,991,000 | 95 |
| Service charges on deposit accounts | $0 | 8,133 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $2,000 | 9,014 |
| Total noninterest expense | $7,301,000 | 1,120 |
| Salaries and employee benefits | $3,731,000 | 1,141 |
| Premises and equipment expense | $426,000 | 2,609 |
| Additional noninterest expense | $3,144,000 | 835 |
| Pre-tax net operating income | $-225,000 | 8,949 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $-60,000 | 9,092 |
| Income before extraordinary items | $-165,000 | 8,979 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-165,000 | 8,979 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-165,000 | 8,903 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $44,000 | 9,249 |
| Total interest expense | $0 | 9,288 |
| Net interest income | $44,000 | 9,221 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $3,340,000 | 552 |
| Gross Fiduciary activities income | $3,339,000 | 99 |
| Service charges on deposit accounts | $0 | 8,142 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,000 | 9,034 |
| Total noninterest expense | $3,670,000 | 1,088 |
| Salaries and employee benefits | $1,971,000 | 1,074 |
| Premises and equipment expense | $211,000 | 2,633 |
| Additional noninterest expense | $1,488,000 | 843 |
| Pre-tax net operating income | $-286,000 | 9,135 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $-90,000 | 9,217 |
| Income before extraordinary items | $-196,000 | 9,129 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-196,000 | 9,126 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-196,000 | 9,067 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $189,000 | 9,280 |
| Total interest expense | $0 | 9,338 |
| Net interest income | $189,000 | 9,251 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $13,490,000 | 524 |
| Gross Fiduciary activities income | $13,479,000 | 98 |
| Service charges on deposit accounts | $0 | 8,205 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $11,000 | 8,861 |
| Total noninterest expense | $14,562,000 | 1,067 |
| Salaries and employee benefits | $7,638,000 | 1,043 |
| Premises and equipment expense | $871,000 | 2,485 |
| Additional noninterest expense | $6,053,000 | 826 |
| Pre-tax net operating income | $-883,000 | 9,092 |
| Securities gains (losses) | $-38,000 | 9,054 |
| Applicable income taxes | $-315,000 | 9,192 |
| Income before extraordinary items | $-606,000 | 9,077 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-606,000 | 9,074 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-580,920 | 9,026 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $199,000 | 9,539 |
| Total interest expense | $0 | 9,598 |
| Net interest income | $199,000 | 9,492 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $14,432,000 | 468 |
| Gross Fiduciary activities income | $14,432,000 | 96 |
| Service charges on deposit accounts | $0 | 8,399 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $0 | 9,480 |
| Total noninterest expense | $13,923,000 | 1,063 |
| Salaries and employee benefits | $7,141,000 | 1,041 |
| Premises and equipment expense | $872,000 | 2,431 |
| Additional noninterest expense | $5,910,000 | 837 |
| Pre-tax net operating income | $708,000 | 5,788 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $243,000 | 4,657 |
| Income before extraordinary items | $465,000 | 6,233 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $465,000 | 6,235 |
| 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 | $465,000 | 6,116 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $123,000 | 9,852 |
| Total interest expense | $7,000 | 9,854 |
| Net interest income | $116,000 | 9,836 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $15,151,000 | 445 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 8,617 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $15,151,000 | 340 |
| Total noninterest expense | $13,339,000 | 1,045 |
| Salaries and employee benefits | $6,446,000 | 1,091 |
| Premises and equipment expense | $870,000 | 2,378 |
| Additional noninterest expense | $6,023,000 | 826 |
| Pre-tax net operating income | $1,928,000 | 3,423 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $670,000 | 2,887 |
| Income before extraordinary items | $1,258,000 | 3,737 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,258,000 | 3,738 |
| 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 | $1,258,000 | 3,722 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $109,000 | 10,177 |
| Total interest expense | $3,000 | 10,191 |
| Net interest income | $106,000 | 10,147 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $1,630,000 | 2,170 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 8,885 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,630,000 | 1,327 |
| Total noninterest expense | $2,896,000 | 4,323 |
| Salaries and employee benefits | $637,000 | 7,559 |
| Premises and equipment expense | $226,000 | 6,413 |
| Additional noninterest expense | $2,033,000 | 2,150 |
| Pre-tax net operating income | $-1,160,000 | 10,086 |
| Securities gains (losses) | $5,000 | 2,145 |
| Applicable income taxes | $-422,000 | 10,124 |
| Income before extraordinary items | $-733,000 | 10,009 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-733,000 | 10,008 |
| 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 | $5,233,000 | 233 |
| Net operating income | $-736,200 | 9,999 |
* 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.