Home > The Buffalo Ridge Bank > Income and Expense
The Buffalo Ridge Bank, Income and Expense
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $2,054,000 | 6,105 |
| Total interest expense | $247,000 | 6,188 |
| Net interest income | $1,807,000 | 6,033 |
| Provision for loan and lease losses | $5,000 | 5,828 |
| Total noninterest income | $110,000 | 6,231 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $77,000 | 5,778 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $33,000 | 6,075 |
| Total noninterest expense | $964,000 | 6,610 |
| Salaries and employee benefits | $596,000 | 6,464 |
| Premises and equipment expense | $188,000 | 5,800 |
| Additional noninterest expense | $180,000 | 6,911 |
| Pre-tax net operating income | $948,000 | 4,085 |
| Securities gains (losses) | $0 | 3,810 |
| Applicable income taxes | $1,000 | 4,670 |
| Income before extraordinary items | $947,000 | 4,003 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $947,000 | 4,003 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $947,000 | 4,005 |
| Net charge-offs | $10,000 | 5,604 |
| Cash dividends | $571,000 | 2,625 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $947,000 | 3,828 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $1,532,000 | 6,215 |
| Total interest expense | $193,000 | 6,275 |
| Net interest income | $1,339,000 | 6,150 |
| Provision for loan and lease losses | $5,000 | 5,679 |
| Total noninterest income | $76,000 | 6,380 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $59,000 | 5,818 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $17,000 | 6,371 |
| Total noninterest expense | $694,000 | 6,716 |
| Salaries and employee benefits | $420,000 | 6,589 |
| Premises and equipment expense | $139,000 | 5,904 |
| Additional noninterest expense | $135,000 | 7,006 |
| Pre-tax net operating income | $716,000 | 4,187 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $1,000 | 4,707 |
| Income before extraordinary items | $715,000 | 4,067 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $715,000 | 4,067 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $715,000 | 4,068 |
| Net charge-offs | $1,000 | 5,692 |
| Cash dividends | $571,000 | 1,896 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $715,000 | 3,890 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $1,023,000 | 6,265 |
| Total interest expense | $133,000 | 6,327 |
| Net interest income | $890,000 | 6,193 |
| Provision for loan and lease losses | $5,000 | 5,486 |
| Total noninterest income | $52,000 | 6,416 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $37,000 | 5,917 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $15,000 | 6,309 |
| Total noninterest expense | $459,000 | 6,784 |
| Salaries and employee benefits | $279,000 | 6,655 |
| Premises and equipment expense | $95,000 | 5,888 |
| Additional noninterest expense | $85,000 | 7,087 |
| Pre-tax net operating income | $478,000 | 4,178 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $1,000 | 4,644 |
| Income before extraordinary items | $477,000 | 4,069 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $477,000 | 4,072 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $477,000 | 4,073 |
| Net charge-offs | $-12,000 | 6,677 |
| Cash dividends | $466,000 | 1,682 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $477,000 | 3,880 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $511,000 | 6,319 |
| Total interest expense | $69,000 | 6,380 |
| Net interest income | $442,000 | 6,244 |
| Provision for loan and lease losses | $3,000 | 5,118 |
| Total noninterest income | $30,000 | 6,367 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $16,000 | 6,090 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $14,000 | 6,009 |
| Total noninterest expense | $233,000 | 6,824 |
| Salaries and employee benefits | $139,000 | 6,711 |
| Premises and equipment expense | $46,000 | 5,985 |
| Additional noninterest expense | $48,000 | 7,078 |
| Pre-tax net operating income | $236,000 | 4,262 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $1,000 | 4,577 |
| Income before extraordinary items | $235,000 | 4,099 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $235,000 | 4,103 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $235,000 | 4,103 |
| Net charge-offs | $-15,000 | 6,792 |
| Cash dividends | $305,000 | 1,250 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $235,000 | 3,941 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $2,029,000 | 6,419 |
| Total interest expense | $339,000 | 6,428 |
| Net interest income | $1,690,000 | 6,357 |
| Provision for loan and lease losses | $70,000 | 5,626 |
| Total noninterest income | $89,000 | 6,518 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $82,000 | 5,779 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $7,000 | 6,582 |
| Total noninterest expense | $1,003,000 | 6,829 |
| Salaries and employee benefits | $563,000 | 6,783 |
| Premises and equipment expense | $200,000 | 6,009 |
| Additional noninterest expense | $240,000 | 7,035 |
| Pre-tax net operating income | $706,000 | 4,275 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $706,000 | 4,145 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $706,000 | 4,149 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $706,000 | 4,148 |
| Net charge-offs | $101,000 | 4,963 |
| Cash dividends | $345,000 | 2,864 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $706,000 | 4,012 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $1,532,000 | 6,477 |
| Total interest expense | $269,000 | 6,457 |
| Net interest income | $1,263,000 | 6,412 |
| Provision for loan and lease losses | $50,000 | 5,512 |
| Total noninterest income | $66,000 | 6,618 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $62,000 | 5,800 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $4,000 | 6,772 |
| Total noninterest expense | $684,000 | 6,959 |
| Salaries and employee benefits | $361,000 | 6,970 |
| Premises and equipment expense | $148,000 | 6,065 |
| Additional noninterest expense | $175,000 | 7,109 |
| Pre-tax net operating income | $595,000 | 4,234 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $595,000 | 4,044 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $595,000 | 4,045 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $595,000 | 4,046 |
| Net charge-offs | $82,000 | 4,611 |
| Cash dividends | $345,000 | 2,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $595,000 | 3,931 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $998,000 | 6,568 |
| Total interest expense | $187,000 | 6,507 |
| Net interest income | $811,000 | 6,517 |
| Provision for loan and lease losses | $50,000 | 5,106 |
| Total noninterest income | $44,000 | 6,688 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $39,000 | 5,861 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $5,000 | 6,772 |
| Total noninterest expense | $447,000 | 7,056 |
| Salaries and employee benefits | $242,000 | 7,020 |
| Premises and equipment expense | $100,000 | 6,083 |
| Additional noninterest expense | $105,000 | 7,245 |
| Pre-tax net operating income | $358,000 | 4,369 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $358,000 | 4,181 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $358,000 | 4,180 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $358,000 | 4,182 |
| Net charge-offs | $83,000 | 4,023 |
| Cash dividends | $251,000 | 2,073 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $358,000 | 4,081 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $479,000 | 6,674 |
| Total interest expense | $96,000 | 6,564 |
| Net interest income | $383,000 | 6,631 |
| Provision for loan and lease losses | $0 | 5,840 |
| Total noninterest income | $21,000 | 6,771 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $18,000 | 5,934 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $3,000 | 6,858 |
| Total noninterest expense | $229,000 | 7,080 |
| Salaries and employee benefits | $120,000 | 7,078 |
| Premises and equipment expense | $50,000 | 6,125 |
| Additional noninterest expense | $59,000 | 7,222 |
| Pre-tax net operating income | $175,000 | 4,423 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $175,000 | 4,199 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $175,000 | 4,198 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $175,000 | 4,199 |
| Net charge-offs | $-1,000 | 6,209 |
| Cash dividends | $135,000 | 1,697 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $175,000 | 4,145 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $2,034,000 | 6,711 |
| Total interest expense | $445,000 | 6,688 |
| Net interest income | $1,589,000 | 6,645 |
| Provision for loan and lease losses | $23,000 | 6,788 |
| Total noninterest income | $97,000 | 6,698 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $90,000 | 5,617 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $7,000 | 6,841 |
| Total noninterest expense | $1,011,000 | 7,061 |
| Salaries and employee benefits | $552,000 | 7,024 |
| Premises and equipment expense | $197,000 | 6,222 |
| Additional noninterest expense | $262,000 | 7,224 |
| Pre-tax net operating income | $652,000 | 4,026 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $1,000 | 4,548 |
| Income before extraordinary items | $651,000 | 3,951 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $651,000 | 3,951 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $651,000 | 3,952 |
| Net charge-offs | $47,000 | 5,947 |
| Cash dividends | $573,000 | 2,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $651,000 | 3,809 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $1,542,000 | 6,804 |
| Total interest expense | $339,000 | 6,797 |
| Net interest income | $1,203,000 | 6,718 |
| Provision for loan and lease losses | $17,000 | 6,738 |
| Total noninterest income | $75,000 | 6,810 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $70,000 | 5,662 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $5,000 | 7,023 |
| Total noninterest expense | $694,000 | 7,228 |
| Salaries and employee benefits | $360,000 | 7,238 |
| Premises and equipment expense | $147,000 | 6,318 |
| Additional noninterest expense | $187,000 | 7,345 |
| Pre-tax net operating income | $567,000 | 4,037 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $1,000 | 4,603 |
| Income before extraordinary items | $566,000 | 3,884 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $566,000 | 3,886 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $566,000 | 3,886 |
| Net charge-offs | $14,000 | 6,146 |
| Cash dividends | $512,000 | 1,730 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $566,000 | 3,730 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $1,022,000 | 6,854 |
| Total interest expense | $229,000 | 6,857 |
| Net interest income | $793,000 | 6,767 |
| Provision for loan and lease losses | $10,000 | 6,617 |
| Total noninterest income | $47,000 | 6,900 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $43,000 | 5,791 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $4,000 | 7,074 |
| Total noninterest expense | $454,000 | 7,312 |
| Salaries and employee benefits | $238,000 | 7,304 |
| Premises and equipment expense | $96,000 | 6,375 |
| Additional noninterest expense | $120,000 | 7,426 |
| Pre-tax net operating income | $376,000 | 4,078 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $1,000 | 4,552 |
| Income before extraordinary items | $375,000 | 3,895 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $375,000 | 3,893 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $375,000 | 3,894 |
| Net charge-offs | $16,000 | 5,608 |
| Cash dividends | $431,000 | 1,489 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $375,000 | 3,785 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $506,000 | 6,947 |
| Total interest expense | $115,000 | 6,982 |
| Net interest income | $391,000 | 6,854 |
| Provision for loan and lease losses | $10,000 | 6,114 |
| Total noninterest income | $23,000 | 6,985 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $20,000 | 5,909 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $3,000 | 7,164 |
| Total noninterest expense | $222,000 | 7,428 |
| Salaries and employee benefits | $119,000 | 7,398 |
| Premises and equipment expense | $48,000 | 6,465 |
| Additional noninterest expense | $55,000 | 7,602 |
| Pre-tax net operating income | $182,000 | 4,245 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $1,000 | 4,457 |
| Income before extraordinary items | $181,000 | 4,065 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $181,000 | 4,064 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $181,000 | 4,064 |
| Net charge-offs | $20,000 | 4,422 |
| Cash dividends | $300,000 | 1,057 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $181,000 | 3,956 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $2,077,000 | 7,004 |
| Total interest expense | $541,000 | 7,041 |
| Net interest income | $1,536,000 | 6,857 |
| Provision for loan and lease losses | $26,000 | 7,116 |
| Total noninterest income | $91,000 | 7,050 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $98,000 | 5,781 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-7,000 | 7,459 |
| Total noninterest expense | $979,000 | 7,418 |
| Salaries and employee benefits | $543,000 | 7,331 |
| Premises and equipment expense | $182,000 | 6,629 |
| Additional noninterest expense | $254,000 | 7,579 |
| Pre-tax net operating income | $622,000 | 3,726 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $622,000 | 3,542 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $622,000 | 3,542 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $622,000 | 3,541 |
| Net charge-offs | $42,000 | 6,304 |
| Cash dividends | $622,000 | 2,267 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $622,000 | 3,475 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $1,552,000 | 7,083 |
| Total interest expense | $414,000 | 7,131 |
| Net interest income | $1,138,000 | 6,928 |
| Provision for loan and lease losses | $10,000 | 7,094 |
| Total noninterest income | $68,000 | 7,197 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $76,000 | 5,778 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-8,000 | 7,665 |
| Total noninterest expense | $662,000 | 7,559 |
| Salaries and employee benefits | $360,000 | 7,514 |
| Premises and equipment expense | $133,000 | 6,726 |
| Additional noninterest expense | $169,000 | 7,712 |
| Pre-tax net operating income | $534,000 | 3,803 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $534,000 | 3,574 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $534,000 | 3,571 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $534,000 | 3,574 |
| Net charge-offs | $15,000 | 6,364 |
| Cash dividends | $582,000 | 1,837 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $534,000 | 3,487 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $1,041,000 | 7,141 |
| Total interest expense | $280,000 | 7,220 |
| Net interest income | $761,000 | 6,953 |
| Provision for loan and lease losses | $0 | 7,158 |
| Total noninterest income | $55,000 | 7,075 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $49,000 | 5,826 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $6,000 | 7,431 |
| Total noninterest expense | $432,000 | 7,663 |
| Salaries and employee benefits | $239,000 | 7,601 |
| Premises and equipment expense | $90,000 | 6,760 |
| Additional noninterest expense | $103,000 | 7,856 |
| Pre-tax net operating income | $384,000 | 3,754 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $384,000 | 3,545 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $384,000 | 3,543 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $384,000 | 3,544 |
| Net charge-offs | $-10,000 | 7,898 |
| Cash dividends | $507,000 | 1,603 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $384,000 | 3,427 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $532,000 | 7,170 |
| Total interest expense | $146,000 | 7,263 |
| Net interest income | $386,000 | 6,938 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $26,000 | 7,178 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $24,000 | 5,827 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $2,000 | 7,617 |
| Total noninterest expense | $211,000 | 7,707 |
| Salaries and employee benefits | $119,000 | 7,654 |
| Premises and equipment expense | $46,000 | 6,774 |
| Additional noninterest expense | $46,000 | 7,917 |
| Pre-tax net operating income | $201,000 | 4,034 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $201,000 | 3,855 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $201,000 | 3,856 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $201,000 | 3,856 |
| Net charge-offs | $-8,000 | 7,815 |
| Cash dividends | $375,000 | 1,165 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $201,000 | 3,700 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $2,245,000 | 7,158 |
| Total interest expense | $743,000 | 7,228 |
| Net interest income | $1,502,000 | 7,003 |
| Provision for loan and lease losses | $37,000 | 6,758 |
| Total noninterest income | $122,000 | 7,093 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $99,000 | 5,907 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $23,000 | 7,344 |
| Total noninterest expense | $906,000 | 7,657 |
| Salaries and employee benefits | $531,000 | 7,582 |
| Premises and equipment expense | $174,000 | 6,922 |
| Additional noninterest expense | $201,000 | 7,875 |
| Pre-tax net operating income | $681,000 | 4,441 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $681,000 | 3,979 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $681,000 | 3,980 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 6,058 |
| Cash dividends | $625,000 | 3,027 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $681,000 | 4,127 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $1,689,000 | 7,231 |
| Total interest expense | $577,000 | 7,306 |
| Net interest income | $1,112,000 | 7,080 |
| Provision for loan and lease losses | $0 | 6,991 |
| Total noninterest income | $98,000 | 7,133 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $76,000 | 5,918 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $22,000 | 7,355 |
| Total noninterest expense | $621,000 | 7,796 |
| Salaries and employee benefits | $351,000 | 7,765 |
| Premises and equipment expense | $132,000 | 6,927 |
| Additional noninterest expense | $138,000 | 7,979 |
| Pre-tax net operating income | $589,000 | 4,675 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $589,000 | 4,160 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $589,000 | 4,157 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 7,890 |
| Cash dividends | $590,000 | 2,535 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $589,000 | 4,319 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,141,000 | 7,280 |
| Total interest expense | $400,000 | 7,370 |
| Net interest income | $741,000 | 7,105 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $60,000 | 7,286 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $51,000 | 5,920 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $9,000 | 7,734 |
| Total noninterest expense | $402,000 | 7,884 |
| Salaries and employee benefits | $234,000 | 7,829 |
| Premises and equipment expense | $93,000 | 6,876 |
| Additional noninterest expense | $75,000 | 8,181 |
| Pre-tax net operating income | $399,000 | 4,801 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $399,000 | 4,477 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $399,000 | 4,477 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,853 |
| Cash dividends | $503,000 | 2,238 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $399,000 | 4,423 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $579,000 | 7,338 |
| Total interest expense | $210,000 | 7,413 |
| Net interest income | $369,000 | 7,156 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $27,000 | 7,420 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $24,000 | 5,995 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $3,000 | 7,909 |
| Total noninterest expense | $211,000 | 7,875 |
| Salaries and employee benefits | $117,000 | 7,875 |
| Premises and equipment expense | $47,000 | 6,884 |
| Additional noninterest expense | $47,000 | 8,047 |
| Pre-tax net operating income | $185,000 | 5,095 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $185,000 | 4,814 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $185,000 | 4,819 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,488 |
| Cash dividends | $375,000 | 1,669 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $185,000 | 4,702 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $2,214,000 | 7,402 |
| Total interest expense | $797,000 | 7,509 |
| Net interest income | $1,417,000 | 7,229 |
| Provision for loan and lease losses | $9,000 | 6,631 |
| Total noninterest income | $120,000 | 7,375 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $108,000 | 5,924 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $12,000 | 8,001 |
| Total noninterest expense | $872,000 | 7,840 |
| Salaries and employee benefits | $517,000 | 7,764 |
| Premises and equipment expense | $183,000 | 6,903 |
| Additional noninterest expense | $172,000 | 8,161 |
| Pre-tax net operating income | $656,000 | 5,551 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,000 | 5,973 |
| Income before extraordinary items | $655,000 | 5,190 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $655,000 | 5,192 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-22,000 | 8,132 |
| Cash dividends | $627,000 | 3,367 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $655,000 | 5,171 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,654,000 | 7,450 |
| Total interest expense | $593,000 | 7,561 |
| Net interest income | $1,061,000 | 7,281 |
| Provision for loan and lease losses | $9,000 | 6,211 |
| Total noninterest income | $90,000 | 7,426 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $81,000 | 5,959 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $9,000 | 8,062 |
| Total noninterest expense | $592,000 | 7,927 |
| Salaries and employee benefits | $342,000 | 7,900 |
| Premises and equipment expense | $140,000 | 6,851 |
| Additional noninterest expense | $110,000 | 8,269 |
| Pre-tax net operating income | $550,000 | 5,603 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,000 | 6,113 |
| Income before extraordinary items | $549,000 | 5,207 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $549,000 | 5,208 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 8,141 |
| Cash dividends | $577,000 | 2,755 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $549,000 | 5,183 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,103,000 | 7,491 |
| Total interest expense | $389,000 | 7,610 |
| Net interest income | $714,000 | 7,318 |
| Provision for loan and lease losses | $9,000 | 5,815 |
| Total noninterest income | $58,000 | 7,509 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $50,000 | 6,089 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $8,000 | 8,008 |
| Total noninterest expense | $386,000 | 8,008 |
| Salaries and employee benefits | $227,000 | 7,958 |
| Premises and equipment expense | $86,000 | 7,023 |
| Additional noninterest expense | $73,000 | 8,315 |
| Pre-tax net operating income | $377,000 | 5,630 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $1,000 | 6,141 |
| Income before extraordinary items | $376,000 | 5,202 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $376,000 | 5,202 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 8,140 |
| Cash dividends | $507,000 | 2,402 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $376,000 | 5,189 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $547,000 | 7,543 |
| Total interest expense | $188,000 | 7,677 |
| Net interest income | $359,000 | 7,340 |
| Provision for loan and lease losses | $9,000 | 5,108 |
| Total noninterest income | $28,000 | 7,526 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $22,000 | 6,225 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $6,000 | 7,790 |
| Total noninterest expense | $179,000 | 8,123 |
| Salaries and employee benefits | $112,000 | 8,012 |
| Premises and equipment expense | $42,000 | 7,103 |
| Additional noninterest expense | $25,000 | 8,508 |
| Pre-tax net operating income | $199,000 | 5,526 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $1,000 | 6,046 |
| Income before extraordinary items | $198,000 | 5,084 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $198,000 | 5,084 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-51,000 | 8,397 |
| Cash dividends | $375,000 | 1,731 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $198,000 | 5,074 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $2,050,000 | 7,498 |
| Total interest expense | $621,000 | 7,665 |
| Net interest income | $1,429,000 | 7,263 |
| Provision for loan and lease losses | $54,000 | 5,520 |
| Total noninterest income | $104,000 | 7,692 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $94,000 | 6,232 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $10,000 | 8,253 |
| Total noninterest expense | $886,000 | 7,881 |
| Salaries and employee benefits | $531,000 | 7,785 |
| Premises and equipment expense | $173,000 | 6,996 |
| Additional noninterest expense | $182,000 | 8,209 |
| Pre-tax net operating income | $593,000 | 6,210 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $593,000 | 5,846 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $593,000 | 5,847 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 5,171 |
| Cash dividends | $544,000 | 3,587 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $593,000 | 5,838 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,528,000 | 7,560 |
| Total interest expense | $453,000 | 7,724 |
| Net interest income | $1,075,000 | 7,330 |
| Provision for loan and lease losses | $27,000 | 5,738 |
| Total noninterest income | $81,000 | 7,738 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $70,000 | 6,319 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $11,000 | 8,185 |
| Total noninterest expense | $619,000 | 7,989 |
| Salaries and employee benefits | $358,000 | 7,931 |
| Premises and equipment expense | $125,000 | 7,085 |
| Additional noninterest expense | $136,000 | 8,243 |
| Pre-tax net operating income | $510,000 | 6,179 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $510,000 | 5,716 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $510,000 | 5,718 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,141 |
| Cash dividends | $544,000 | 2,811 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $510,000 | 5,711 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,021,000 | 7,577 |
| Total interest expense | $294,000 | 7,730 |
| Net interest income | $727,000 | 7,365 |
| Provision for loan and lease losses | $18,000 | 5,601 |
| Total noninterest income | $54,000 | 7,788 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $47,000 | 6,322 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $7,000 | 8,267 |
| Total noninterest expense | $412,000 | 8,017 |
| Salaries and employee benefits | $246,000 | 7,923 |
| Premises and equipment expense | $83,000 | 7,114 |
| Additional noninterest expense | $83,000 | 8,347 |
| Pre-tax net operating income | $351,000 | 6,155 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $351,000 | 5,682 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $351,000 | 5,683 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,860 |
| Cash dividends | $474,000 | 2,480 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $351,000 | 5,681 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $495,000 | 7,624 |
| Total interest expense | $141,000 | 7,754 |
| Net interest income | $354,000 | 7,427 |
| Provision for loan and lease losses | $9,000 | 5,345 |
| Total noninterest income | $25,000 | 7,837 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $22,000 | 6,377 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $3,000 | 8,266 |
| Total noninterest expense | $209,000 | 8,026 |
| Salaries and employee benefits | $126,000 | 7,907 |
| Premises and equipment expense | $42,000 | 7,104 |
| Additional noninterest expense | $41,000 | 8,375 |
| Pre-tax net operating income | $161,000 | 6,268 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $161,000 | 5,796 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $161,000 | 5,797 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,481 |
| Cash dividends | $355,000 | 1,754 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $161,000 | 5,792 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,917,000 | 7,528 |
| Total interest expense | $520,000 | 7,561 |
| Net interest income | $1,397,000 | 7,428 |
| Provision for loan and lease losses | $43,000 | 5,912 |
| Total noninterest income | $102,000 | 7,917 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $92,000 | 6,405 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $10,000 | 8,416 |
| Total noninterest expense | $879,000 | 7,947 |
| Salaries and employee benefits | $532,000 | 7,797 |
| Premises and equipment expense | $163,000 | 7,133 |
| Additional noninterest expense | $184,000 | 8,319 |
| Pre-tax net operating income | $577,000 | 6,493 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $-2,000 | 8,409 |
| Income before extraordinary items | $579,000 | 6,080 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $579,000 | 6,085 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 4,136 |
| Cash dividends | $544,000 | 3,503 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $579,000 | 6,051 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,422,000 | 7,569 |
| Total interest expense | $378,000 | 7,564 |
| Net interest income | $1,044,000 | 7,473 |
| Provision for loan and lease losses | $24,000 | 6,042 |
| Total noninterest income | $74,000 | 7,998 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $65,000 | 6,511 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $9,000 | 8,407 |
| Total noninterest expense | $630,000 | 8,009 |
| Salaries and employee benefits | $367,000 | 7,911 |
| Premises and equipment expense | $124,000 | 7,105 |
| Additional noninterest expense | $139,000 | 8,304 |
| Pre-tax net operating income | $464,000 | 6,524 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $-2,000 | 8,548 |
| Income before extraordinary items | $466,000 | 6,050 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $466,000 | 6,055 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 3,581 |
| Cash dividends | $524,000 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $466,000 | 6,016 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $937,000 | 7,579 |
| Total interest expense | $238,000 | 7,599 |
| Net interest income | $699,000 | 7,478 |
| Provision for loan and lease losses | $15,000 | 5,851 |
| Total noninterest income | $45,000 | 8,078 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $38,000 | 6,682 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $7,000 | 8,349 |
| Total noninterest expense | $415,000 | 8,027 |
| Salaries and employee benefits | $243,000 | 7,927 |
| Premises and equipment expense | $82,000 | 7,100 |
| Additional noninterest expense | $90,000 | 8,306 |
| Pre-tax net operating income | $314,000 | 6,508 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-2,000 | 8,575 |
| Income before extraordinary items | $316,000 | 6,008 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $316,000 | 6,011 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 2,744 |
| Cash dividends | $461,000 | 2,323 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $316,000 | 5,953 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $465,000 | 7,634 |
| Total interest expense | $116,000 | 7,624 |
| Net interest income | $349,000 | 7,536 |
| Provision for loan and lease losses | $6,000 | 5,706 |
| Total noninterest income | $21,000 | 8,155 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $18,000 | 6,743 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $3,000 | 8,454 |
| Total noninterest expense | $207,000 | 8,113 |
| Salaries and employee benefits | $119,000 | 8,026 |
| Premises and equipment expense | $39,000 | 7,270 |
| Additional noninterest expense | $49,000 | 8,297 |
| Pre-tax net operating income | $157,000 | 6,466 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $-2,000 | 8,643 |
| Income before extraordinary items | $159,000 | 5,975 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $159,000 | 5,976 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 3,295 |
| Cash dividends | $350,000 | 1,582 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $159,000 | 5,935 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,784,000 | 7,603 |
| Total interest expense | $475,000 | 7,398 |
| Net interest income | $1,309,000 | 7,586 |
| Provision for loan and lease losses | $24,000 | 6,604 |
| Total noninterest income | $98,000 | 8,099 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $88,000 | 6,649 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $10,000 | 8,525 |
| Total noninterest expense | $877,000 | 8,020 |
| Salaries and employee benefits | $541,000 | 7,865 |
| Premises and equipment expense | $149,000 | 7,339 |
| Additional noninterest expense | $187,000 | 8,380 |
| Pre-tax net operating income | $506,000 | 6,695 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $506,000 | 6,332 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $506,000 | 6,336 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 8,144 |
| Cash dividends | $375,000 | 4,013 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $506,000 | 6,264 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,321,000 | 7,660 |
| Total interest expense | $361,000 | 7,392 |
| Net interest income | $960,000 | 7,658 |
| Provision for loan and lease losses | $18,000 | 6,408 |
| Total noninterest income | $75,000 | 8,142 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $67,000 | 6,680 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $8,000 | 8,558 |
| Total noninterest expense | $606,000 | 8,138 |
| Salaries and employee benefits | $360,000 | 8,026 |
| Premises and equipment expense | $110,000 | 7,337 |
| Additional noninterest expense | $136,000 | 8,413 |
| Pre-tax net operating income | $411,000 | 6,686 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $411,000 | 6,257 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $411,000 | 6,257 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 8,271 |
| Cash dividends | $375,000 | 3,116 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $411,000 | 6,187 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $867,000 | 7,734 |
| Total interest expense | $245,000 | 7,422 |
| Net interest income | $622,000 | 7,749 |
| Provision for loan and lease losses | $12,000 | 6,242 |
| Total noninterest income | $51,000 | 8,163 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $43,000 | 6,739 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $8,000 | 8,431 |
| Total noninterest expense | $399,000 | 8,204 |
| Salaries and employee benefits | $237,000 | 8,095 |
| Premises and equipment expense | $72,000 | 7,418 |
| Additional noninterest expense | $90,000 | 8,466 |
| Pre-tax net operating income | $262,000 | 6,752 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $262,000 | 6,341 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $262,000 | 6,342 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 8,198 |
| Cash dividends | $314,000 | 2,805 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $262,000 | 6,253 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $425,000 | 7,803 |
| Total interest expense | $126,000 | 7,424 |
| Net interest income | $299,000 | 7,856 |
| Provision for loan and lease losses | $6,000 | 5,941 |
| Total noninterest income | $24,000 | 8,222 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $20,000 | 6,805 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $4,000 | 8,419 |
| Total noninterest expense | $197,000 | 8,271 |
| Salaries and employee benefits | $117,000 | 8,159 |
| Premises and equipment expense | $36,000 | 7,453 |
| Additional noninterest expense | $44,000 | 8,543 |
| Pre-tax net operating income | $120,000 | 6,855 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $3,000 | 6,752 |
| Income before extraordinary items | $117,000 | 6,569 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $117,000 | 6,568 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 8,228 |
| Cash dividends | $225,000 | 2,037 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $117,000 | 6,453 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,781,000 | 7,788 |
| Total interest expense | $544,000 | 7,600 |
| Net interest income | $1,237,000 | 7,747 |
| Provision for loan and lease losses | $24,000 | 6,956 |
| Total noninterest income | $99,000 | 8,309 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $88,000 | 6,750 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $11,000 | 8,737 |
| Total noninterest expense | $875,000 | 8,131 |
| Salaries and employee benefits | $544,000 | 7,923 |
| Premises and equipment expense | $142,000 | 7,510 |
| Additional noninterest expense | $189,000 | 8,515 |
| Pre-tax net operating income | $437,000 | 6,891 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $437,000 | 6,627 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $437,000 | 6,631 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,130 |
| Cash dividends | $310,000 | 4,302 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $437,000 | 6,463 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,345,000 | 7,869 |
| Total interest expense | $412,000 | 7,717 |
| Net interest income | $933,000 | 7,807 |
| Provision for loan and lease losses | $18,000 | 6,830 |
| Total noninterest income | $80,000 | 8,292 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $71,000 | 6,699 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $9,000 | 8,738 |
| Total noninterest expense | $627,000 | 8,210 |
| Salaries and employee benefits | $379,000 | 8,049 |
| Premises and equipment expense | $108,000 | 7,495 |
| Additional noninterest expense | $140,000 | 8,539 |
| Pre-tax net operating income | $368,000 | 6,861 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $368,000 | 6,550 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $368,000 | 6,551 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 5,702 |
| Cash dividends | $310,000 | 3,418 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $368,000 | 6,379 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $888,000 | 7,938 |
| Total interest expense | $277,000 | 7,817 |
| Net interest income | $611,000 | 7,868 |
| Provision for loan and lease losses | $12,000 | 6,682 |
| Total noninterest income | $50,000 | 8,369 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $45,000 | 6,765 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $5,000 | 8,823 |
| Total noninterest expense | $435,000 | 8,171 |
| Salaries and employee benefits | $261,000 | 7,999 |
| Premises and equipment expense | $76,000 | 7,385 |
| Additional noninterest expense | $98,000 | 8,486 |
| Pre-tax net operating income | $214,000 | 7,097 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $214,000 | 6,847 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $214,000 | 6,851 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,977 |
| Cash dividends | $175,000 | 3,672 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $214,000 | 6,645 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $438,000 | 8,015 |
| Total interest expense | $139,000 | 7,898 |
| Net interest income | $299,000 | 7,932 |
| Provision for loan and lease losses | $6,000 | 6,408 |
| Total noninterest income | $23,000 | 8,464 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $20,000 | 6,904 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $3,000 | 8,754 |
| Total noninterest expense | $214,000 | 8,221 |
| Salaries and employee benefits | $129,000 | 8,056 |
| Premises and equipment expense | $38,000 | 7,422 |
| Additional noninterest expense | $47,000 | 8,571 |
| Pre-tax net operating income | $102,000 | 7,163 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $102,000 | 6,860 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $102,000 | 6,862 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,678 |
| Cash dividends | $175,000 | 2,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $102,000 | 6,695 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,890,000 | 7,978 |
| Total interest expense | $716,000 | 7,763 |
| Net interest income | $1,174,000 | 7,989 |
| Provision for loan and lease losses | $67,000 | 6,354 |
| Total noninterest income | $102,000 | 8,383 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $91,000 | 6,741 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $11,000 | 8,861 |
| Total noninterest expense | $900,000 | 8,156 |
| Salaries and employee benefits | $543,000 | 7,961 |
| Premises and equipment expense | $147,000 | 7,485 |
| Additional noninterest expense | $210,000 | 8,490 |
| Pre-tax net operating income | $309,000 | 7,507 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $15,000 | 7,161 |
| Income before extraordinary items | $294,000 | 7,349 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $294,000 | 7,348 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 5,476 |
| Cash dividends | $258,000 | 4,553 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $294,000 | 7,249 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,027,000 | 8,179 |
| Total interest expense | $898,000 | 8,219 |
| Net interest income | $1,129,000 | 8,030 |
| Provision for loan and lease losses | $25,000 | 7,375 |
| Total noninterest income | $98,000 | 8,544 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $81,000 | 6,961 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $17,000 | 8,847 |
| Total noninterest expense | $900,000 | 8,210 |
| Salaries and employee benefits | $526,000 | 8,043 |
| Premises and equipment expense | $152,000 | 7,483 |
| Additional noninterest expense | $222,000 | 8,477 |
| Pre-tax net operating income | $302,000 | 7,403 |
| Securities gains (losses) | $-1,000 | 9,012 |
| Applicable income taxes | $11,000 | 7,558 |
| Income before extraordinary items | $290,000 | 7,206 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $290,000 | 7,207 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,796 |
| Cash dividends | $219,000 | 4,881 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $290,960 | 7,081 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,115,000 | 9,309 |
| Total interest expense | $518,000 | 9,214 |
| Net interest income | $597,000 | 9,300 |
| Provision for loan and lease losses | $25,000 | 7,386 |
| Total noninterest income | $120,000 | 8,306 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $55,000 | 7,510 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $65,000 | 7,328 |
| Total noninterest expense | $536,000 | 9,308 |
| Salaries and employee benefits | $338,000 | 9,069 |
| Premises and equipment expense | $76,000 | 8,870 |
| Additional noninterest expense | $122,000 | 9,473 |
| Pre-tax net operating income | $156,000 | 8,569 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-18,000 | 9,369 |
| Income before extraordinary items | $174,000 | 8,243 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $174,000 | 8,242 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 5,771 |
| Cash dividends | $50,000 | 6,383 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $174,000 | 8,249 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,056,000 | 9,558 |
| Total interest expense | $506,000 | 9,423 |
| Net interest income | $550,000 | 9,601 |
| Provision for loan and lease losses | $41,000 | 6,835 |
| Total noninterest income | $76,000 | 9,203 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $53,000 | 7,754 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $23,000 | 9,132 |
| Total noninterest expense | $467,000 | 9,722 |
| Salaries and employee benefits | $287,000 | 9,541 |
| Premises and equipment expense | $79,000 | 9,040 |
| Additional noninterest expense | $101,000 | 9,915 |
| Pre-tax net operating income | $118,000 | 8,984 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $47,000 | 7,686 |
| Income before extraordinary items | $71,000 | 9,133 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $71,000 | 9,132 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,586 |
| Cash dividends | $25,000 | 6,862 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $71,000 | 9,102 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,052,000 | 9,807 |
| Total interest expense | $488,000 | 9,721 |
| Net interest income | $564,000 | 9,805 |
| Provision for loan and lease losses | $114,000 | 4,857 |
| Total noninterest income | $72,000 | 9,485 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $59,000 | 7,810 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $13,000 | 9,838 |
| Total noninterest expense | $449,000 | 9,926 |
| Salaries and employee benefits | $261,000 | 9,827 |
| Premises and equipment expense | $79,000 | 9,163 |
| Additional noninterest expense | $109,000 | 10,060 |
| Pre-tax net operating income | $73,000 | 9,532 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $19,000 | 8,905 |
| Income before extraordinary items | $54,000 | 9,605 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $54,000 | 9,604 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $105,000 | 3,569 |
| Cash dividends | $30,000 | 7,122 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $54,000 | 9,541 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,002,000 | 10,303 |
| Total interest expense | $451,000 | 10,224 |
| Net interest income | $551,000 | 10,284 |
| Provision for loan and lease losses | $23,000 | 7,798 |
| Total noninterest income | $178,000 | 8,159 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $52,000 | 8,373 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $126,000 | 6,144 |
| Total noninterest expense | $553,000 | 9,922 |
| Salaries and employee benefits | $324,000 | 9,783 |
| Premises and equipment expense | $77,000 | 9,513 |
| Additional noninterest expense | $152,000 | 9,970 |
| Pre-tax net operating income | $153,000 | 9,830 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $67,000 | 8,963 |
| Income before extraordinary items | $86,000 | 10,043 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $86,000 | 10,046 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 6,139 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $86,000 | 10,008 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $962,000 | 10,871 |
| Total interest expense | $422,000 | 10,819 |
| Net interest income | $540,000 | 10,799 |
| Provision for loan and lease losses | $22,000 | 7,876 |
| Total noninterest income | $66,000 | 10,565 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $49,000 | 8,876 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 10,581 |
| Total noninterest expense | $453,000 | 10,782 |
| Salaries and employee benefits | $271,000 | 10,570 |
| Premises and equipment expense | $58,000 | 10,410 |
| Additional noninterest expense | $124,000 | 10,858 |
| Pre-tax net operating income | $131,000 | 10,205 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $34,000 | 9,971 |
| Income before extraordinary items | $97,000 | 10,252 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $97,000 | 10,252 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 6,559 |
| Cash dividends | $30,000 | 7,843 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $97,000 | 10,197 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $909,000 | 11,415 |
| Total interest expense | $371,000 | 11,409 |
| Net interest income | $538,000 | 11,311 |
| Provision for loan and lease losses | $115,000 | 4,295 |
| Total noninterest income | $70,000 | 10,954 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $49,000 | 9,268 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,000 | 10,833 |
| Total noninterest expense | $406,000 | 11,412 |
| Salaries and employee benefits | $221,000 | 11,360 |
| Premises and equipment expense | $51,000 | 11,056 |
| Additional noninterest expense | $134,000 | 11,263 |
| Pre-tax net operating income | $87,000 | 11,158 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $39,000 | 10,400 |
| Income before extraordinary items | $48,000 | 11,296 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $48,000 | 11,295 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $120,000 | 3,382 |
| Cash dividends | $84,000 | 7,124 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $48,000 | 11,260 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $868,000 | 11,955 |
| Total interest expense | $336,000 | 11,879 |
| Net interest income | $532,000 | 11,902 |
| Provision for loan and lease losses | $30,000 | 7,083 |
| Total noninterest income | $80,000 | 11,248 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $57,000 | 9,442 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $23,000 | 11,244 |
| Total noninterest expense | $438,000 | 11,879 |
| Salaries and employee benefits | $271,000 | 11,468 |
| Premises and equipment expense | $47,000 | 11,731 |
| Additional noninterest expense | $120,000 | 12,113 |
| Pre-tax net operating income | $144,000 | 11,317 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $60,000 | 10,220 |
| Income before extraordinary items | $84,000 | 11,526 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $84,000 | 11,533 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 6,088 |
| Cash dividends | $60,000 | 7,692 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $84,000 | 11,577 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $911,000 | 12,483 |
| Total interest expense | $376,000 | 12,326 |
| Net interest income | $535,000 | 12,453 |
| Provision for loan and lease losses | $20,000 | 9,046 |
| Total noninterest income | $69,000 | 12,094 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $52,000 | 9,975 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 12,255 |
| Total noninterest expense | $443,000 | 12,453 |
| Salaries and employee benefits | $264,000 | 12,037 |
| Premises and equipment expense | $44,000 | 12,403 |
| Additional noninterest expense | $135,000 | 12,601 |
| Pre-tax net operating income | $141,000 | 11,544 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $63,000 | 10,631 |
| Income before extraordinary items | $78,000 | 12,030 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $78,000 | 12,059 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 7,969 |
| Cash dividends | $51,000 | 7,904 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $78,000 | 11,849 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,030,000 | 12,969 |
| Total interest expense | $489,000 | 12,810 |
| Net interest income | $541,000 | 12,934 |
| Provision for loan and lease losses | $8,000 | 11,328 |
| Total noninterest income | $74,000 | 12,451 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $52,000 | 10,228 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $22,000 | 12,406 |
| Total noninterest expense | $468,000 | 12,815 |
| Salaries and employee benefits | $251,000 | 12,595 |
| Premises and equipment expense | $44,000 | 12,911 |
| Additional noninterest expense | $173,000 | 12,625 |
| Pre-tax net operating income | $139,000 | 11,634 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $44,000 | 11,422 |
| Income before extraordinary items | $95,000 | 12,005 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $95,000 | 12,072 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 10,157 |
| Cash dividends | $42,000 | 7,917 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $95,000 | 11,703 |
* 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.