Home > The First National Bank of Olathe > Income and Expense
The First National Bank of Olathe, Income and Expense
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $8,556,000 | 1,693 |
| Total interest expense | $4,970,000 | 632 |
| Net interest income | $3,586,000 | 3,017 |
| Provision for loan and lease losses | $5,000,000 | 436 |
| Total noninterest income | $1,924,000 | 1,264 |
| Gross Fiduciary activities income | $41,000 | 870 |
| Service charges on deposit accounts | $488,000 | 1,498 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,395,000 | 1,072 |
| Total noninterest expense | $11,448,000 | 874 |
| Salaries and employee benefits | $4,081,000 | 1,221 |
| Premises and equipment expense | $1,233,000 | 1,033 |
| Additional noninterest expense | $6,134,000 | 599 |
| Pre-tax net operating income | $-10,938,000 | 7,452 |
| Securities gains (losses) | $39,000 | 1,734 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-10,899,000 | 7,447 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-10,899,000 | 7,447 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-10,899,000 | 7,447 |
| Net charge-offs | $8,524,000 | 303 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-10,938,000 | 7,448 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $4,507,000 | 1,622 |
| Total interest expense | $2,608,000 | 616 |
| Net interest income | $1,899,000 | 2,848 |
| Provision for loan and lease losses | $3,500,000 | 322 |
| Total noninterest income | $405,000 | 2,325 |
| Gross Fiduciary activities income | $21,000 | 871 |
| Service charges on deposit accounts | $242,000 | 1,477 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $142,000 | 3,001 |
| Total noninterest expense | $5,375,000 | 928 |
| Salaries and employee benefits | $1,884,000 | 1,336 |
| Premises and equipment expense | $608,000 | 1,066 |
| Additional noninterest expense | $2,883,000 | 623 |
| Pre-tax net operating income | $-6,571,000 | 7,520 |
| Securities gains (losses) | $198,000 | 343 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-6,373,000 | 7,509 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-6,373,000 | 7,509 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-6,373,000 | 7,509 |
| Net charge-offs | $6,611,000 | 220 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-6,571,000 | 7,514 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $29,961,000 | 1,024 |
| Total interest expense | $16,476,000 | 477 |
| Net interest income | $13,485,000 | 1,645 |
| Provision for loan and lease losses | $14,075,000 | 504 |
| Total noninterest income | $5,232,000 | 1,053 |
| Gross Fiduciary activities income | $82,000 | 896 |
| Service charges on deposit accounts | $1,799,000 | 844 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $3,351,000 | 980 |
| Total noninterest expense | $29,497,000 | 684 |
| Salaries and employee benefits | $9,202,000 | 1,072 |
| Premises and equipment expense | $3,332,000 | 767 |
| Additional noninterest expense | $16,963,000 | 467 |
| Pre-tax net operating income | $-24,855,000 | 7,548 |
| Securities gains (losses) | $606,000 | 753 |
| Applicable income taxes | $-133,000 | 6,888 |
| Income before extraordinary items | $-24,116,000 | 7,537 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-24,116,000 | 7,537 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-24,116,000 | 7,537 |
| Net charge-offs | $29,280,000 | 242 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-24,715,940 | 7,536 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $25,277,000 | 916 |
| Total interest expense | $13,568,000 | 457 |
| Net interest income | $11,709,000 | 1,450 |
| Provision for loan and lease losses | $600,000 | 3,239 |
| Total noninterest income | $5,169,000 | 820 |
| Gross Fiduciary activities income | $61,000 | 894 |
| Service charges on deposit accounts | $1,503,000 | 771 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $3,605,000 | 718 |
| Total noninterest expense | $22,265,000 | 671 |
| Salaries and employee benefits | $7,244,000 | 1,001 |
| Premises and equipment expense | $2,630,000 | 741 |
| Additional noninterest expense | $12,391,000 | 454 |
| Pre-tax net operating income | $-5,987,000 | 7,418 |
| Securities gains (losses) | $750,000 | 530 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-5,237,000 | 7,437 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-5,237,000 | 7,437 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-5,237,000 | 7,437 |
| Net charge-offs | $11,343,000 | 412 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-5,987,000 | 7,450 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $17,437,000 | 890 |
| Total interest expense | $9,363,000 | 457 |
| Net interest income | $8,074,000 | 1,401 |
| Provision for loan and lease losses | $600,000 | 2,565 |
| Total noninterest income | $-42,000 | 7,597 |
| Gross Fiduciary activities income | $41,000 | 898 |
| Service charges on deposit accounts | $1,016,000 | 761 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $-1,099,000 | 7,769 |
| Total noninterest expense | $14,625,000 | 683 |
| Salaries and employee benefits | $4,910,000 | 987 |
| Premises and equipment expense | $1,798,000 | 733 |
| Additional noninterest expense | $7,917,000 | 472 |
| Pre-tax net operating income | $-7,193,000 | 7,628 |
| Securities gains (losses) | $393,000 | 582 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-6,800,000 | 7,642 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-6,800,000 | 7,642 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-6,800,000 | 7,642 |
| Net charge-offs | $3,828,000 | 685 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-7,193,000 | 7,647 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $8,996,000 | 875 |
| Total interest expense | $4,811,000 | 476 |
| Net interest income | $4,185,000 | 1,367 |
| Provision for loan and lease losses | $0 | 6,552 |
| Total noninterest income | $-1,241,000 | 7,910 |
| Gross Fiduciary activities income | $20,000 | 911 |
| Service charges on deposit accounts | $514,000 | 755 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-1,775,000 | 7,917 |
| Total noninterest expense | $6,761,000 | 741 |
| Salaries and employee benefits | $2,505,000 | 975 |
| Premises and equipment expense | $919,000 | 737 |
| Additional noninterest expense | $3,337,000 | 545 |
| Pre-tax net operating income | $-3,817,000 | 7,730 |
| Securities gains (losses) | $338,000 | 348 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-3,479,000 | 7,733 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-3,479,000 | 7,734 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-3,479,000 | 7,734 |
| Net charge-offs | $270,000 | 2,135 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-3,817,000 | 7,743 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $45,604,000 | 725 |
| Total interest expense | $23,540,000 | 475 |
| Net interest income | $22,064,000 | 987 |
| Provision for loan and lease losses | $65,220,000 | 194 |
| Total noninterest income | $6,003,000 | 947 |
| Gross Fiduciary activities income | $74,000 | 904 |
| Service charges on deposit accounts | $2,494,000 | 674 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $3,435,000 | 955 |
| Total noninterest expense | $29,214,000 | 721 |
| Salaries and employee benefits | $9,491,000 | 1,035 |
| Premises and equipment expense | $3,588,000 | 753 |
| Additional noninterest expense | $16,135,000 | 520 |
| Pre-tax net operating income | $-66,367,000 | 7,894 |
| Securities gains (losses) | $2,480,000 | 227 |
| Applicable income taxes | $-9,933,000 | 7,867 |
| Income before extraordinary items | $-53,954,000 | 7,876 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-53,954,000 | 7,875 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-53,954,000 | 7,875 |
| Net charge-offs | $39,892,000 | 230 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $400,000 | 578 |
| Net operating income | $-56,037,200 | 7,882 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $35,784,000 | 707 |
| Total interest expense | $18,246,000 | 492 |
| Net interest income | $17,538,000 | 929 |
| Provision for loan and lease losses | $57,876,000 | 187 |
| Total noninterest income | $3,295,000 | 1,228 |
| Gross Fiduciary activities income | $52,000 | 906 |
| Service charges on deposit accounts | $1,942,000 | 640 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $1,301,000 | 1,530 |
| Total noninterest expense | $21,015,000 | 750 |
| Salaries and employee benefits | $7,023,000 | 1,059 |
| Premises and equipment expense | $3,158,000 | 645 |
| Additional noninterest expense | $10,834,000 | 550 |
| Pre-tax net operating income | $-58,058,000 | 7,995 |
| Securities gains (losses) | $2,584,000 | 179 |
| Applicable income taxes | $-8,904,000 | 7,965 |
| Income before extraordinary items | $-46,570,000 | 7,981 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-46,570,000 | 7,980 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-46,570,000 | 7,980 |
| Net charge-offs | $22,972,000 | 266 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $400,000 | 470 |
| Net operating income | $-48,740,560 | 7,988 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $24,854,000 | 688 |
| Total interest expense | $12,544,000 | 509 |
| Net interest income | $12,310,000 | 886 |
| Provision for loan and lease losses | $27,202,000 | 234 |
| Total noninterest income | $2,035,000 | 1,314 |
| Gross Fiduciary activities income | $34,000 | 927 |
| Service charges on deposit accounts | $1,295,000 | 641 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $706,000 | 1,804 |
| Total noninterest expense | $13,382,000 | 796 |
| Salaries and employee benefits | $4,630,000 | 1,091 |
| Premises and equipment expense | $2,115,000 | 660 |
| Additional noninterest expense | $6,637,000 | 600 |
| Pre-tax net operating income | $-26,239,000 | 8,046 |
| Securities gains (losses) | $3,009,000 | 126 |
| Applicable income taxes | $-8,904,000 | 8,088 |
| Income before extraordinary items | $-14,326,000 | 8,003 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-14,326,000 | 8,002 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-14,326,000 | 8,003 |
| Net charge-offs | $11,238,000 | 342 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $400,000 | 372 |
| Net operating income | $-16,251,760 | 8,010 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $12,829,000 | 670 |
| Total interest expense | $6,535,000 | 511 |
| Net interest income | $6,294,000 | 855 |
| Provision for loan and lease losses | $5,771,000 | 366 |
| Total noninterest income | $961,000 | 1,331 |
| Gross Fiduciary activities income | $18,000 | 925 |
| Service charges on deposit accounts | $649,000 | 624 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $294,000 | 1,987 |
| Total noninterest expense | $5,842,000 | 867 |
| Salaries and employee benefits | $2,269,000 | 1,120 |
| Premises and equipment expense | $1,002,000 | 713 |
| Additional noninterest expense | $2,571,000 | 661 |
| Pre-tax net operating income | $-4,358,000 | 7,999 |
| Securities gains (losses) | $2,906,000 | 93 |
| Applicable income taxes | $-674,000 | 7,926 |
| Income before extraordinary items | $-778,000 | 7,618 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-778,000 | 7,619 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-778,000 | 7,619 |
| Net charge-offs | $4,403,000 | 344 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $400,000 | 218 |
| Net operating income | $-2,637,840 | 7,957 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $61,790,000 | 605 |
| Total interest expense | $28,510,000 | 556 |
| Net interest income | $33,280,000 | 652 |
| Provision for loan and lease losses | $8,760,000 | 659 |
| Total noninterest income | $4,441,000 | 1,175 |
| Gross Fiduciary activities income | $69,000 | 936 |
| Service charges on deposit accounts | $2,733,000 | 637 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,639,000 | 1,500 |
| Total noninterest expense | $22,970,000 | 866 |
| Salaries and employee benefits | $10,764,000 | 932 |
| Premises and equipment expense | $4,131,000 | 669 |
| Additional noninterest expense | $8,075,000 | 819 |
| Pre-tax net operating income | $5,991,000 | 933 |
| Securities gains (losses) | $534,000 | 355 |
| Applicable income taxes | $1,754,000 | 755 |
| Income before extraordinary items | $4,771,000 | 851 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,771,000 | 851 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,233,000 | 956 |
| Cash dividends | $540,000 | 3,261 |
| Sale, conversion, retirement of capital stock, net | $20,000,000 | 80 |
| Net operating income | $4,381,180 | 1,009 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $47,097,000 | 616 |
| Total interest expense | $21,457,000 | 580 |
| Net interest income | $25,640,000 | 643 |
| Provision for loan and lease losses | $7,206,000 | 507 |
| Total noninterest income | $3,401,000 | 1,187 |
| Gross Fiduciary activities income | $51,000 | 932 |
| Service charges on deposit accounts | $1,991,000 | 664 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,359,000 | 1,459 |
| Total noninterest expense | $17,212,000 | 854 |
| Salaries and employee benefits | $8,294,000 | 931 |
| Premises and equipment expense | $3,041,000 | 684 |
| Additional noninterest expense | $5,877,000 | 790 |
| Pre-tax net operating income | $4,623,000 | 1,091 |
| Securities gains (losses) | $201,000 | 618 |
| Applicable income taxes | $1,289,000 | 944 |
| Income before extraordinary items | $3,535,000 | 1,040 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $3,535,000 | 1,038 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,023,000 | 639 |
| Cash dividends | $540,000 | 2,631 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $3,388,270 | 1,158 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $31,408,000 | 622 |
| Total interest expense | $14,338,000 | 605 |
| Net interest income | $17,070,000 | 641 |
| Provision for loan and lease losses | $5,102,000 | 422 |
| Total noninterest income | $2,184,000 | 1,236 |
| Gross Fiduciary activities income | $34,000 | 953 |
| Service charges on deposit accounts | $1,272,000 | 681 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $878,000 | 1,543 |
| Total noninterest expense | $11,197,000 | 877 |
| Salaries and employee benefits | $5,370,000 | 970 |
| Premises and equipment expense | $1,971,000 | 700 |
| Additional noninterest expense | $3,856,000 | 784 |
| Pre-tax net operating income | $2,955,000 | 1,205 |
| Securities gains (losses) | $201,000 | 612 |
| Applicable income taxes | $865,000 | 1,055 |
| Income before extraordinary items | $2,291,000 | 1,206 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,291,000 | 1,207 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,580,000 | 640 |
| Cash dividends | $540,000 | 2,171 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $2,144,270 | 1,261 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $16,136,000 | 629 |
| Total interest expense | $7,829,000 | 592 |
| Net interest income | $8,307,000 | 662 |
| Provision for loan and lease losses | $3,284,000 | 287 |
| Total noninterest income | $1,167,000 | 1,178 |
| Gross Fiduciary activities income | $17,000 | 964 |
| Service charges on deposit accounts | $633,000 | 672 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $517,000 | 1,386 |
| Total noninterest expense | $5,378,000 | 899 |
| Salaries and employee benefits | $2,582,000 | 1,014 |
| Premises and equipment expense | $999,000 | 699 |
| Additional noninterest expense | $1,797,000 | 796 |
| Pre-tax net operating income | $812,000 | 2,129 |
| Securities gains (losses) | $51,000 | 1,072 |
| Applicable income taxes | $174,000 | 2,141 |
| Income before extraordinary items | $689,000 | 2,059 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $689,000 | 2,062 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-56,000 | 8,337 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $648,200 | 2,093 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $66,145,000 | 636 |
| Total interest expense | $30,703,000 | 644 |
| Net interest income | $35,442,000 | 623 |
| Provision for loan and lease losses | $4,372,000 | 461 |
| Total noninterest income | $4,436,000 | 1,202 |
| Gross Fiduciary activities income | $69,000 | 964 |
| Service charges on deposit accounts | $2,680,000 | 652 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,687,000 | 1,542 |
| Total noninterest expense | $21,463,000 | 864 |
| Salaries and employee benefits | $11,233,000 | 881 |
| Premises and equipment expense | $3,589,000 | 744 |
| Additional noninterest expense | $6,641,000 | 852 |
| Pre-tax net operating income | $14,043,000 | 624 |
| Securities gains (losses) | $-60,000 | 8,044 |
| Applicable income taxes | $4,667,000 | 579 |
| Income before extraordinary items | $9,316,000 | 699 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $9,316,000 | 697 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,481,000 | 760 |
| Cash dividends | $2,880,000 | 1,235 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $9,356,200 | 692 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $48,980,000 | 640 |
| Total interest expense | $22,698,000 | 651 |
| Net interest income | $26,282,000 | 631 |
| Provision for loan and lease losses | $1,272,000 | 730 |
| Total noninterest income | $3,184,000 | 1,239 |
| Gross Fiduciary activities income | $50,000 | 965 |
| Service charges on deposit accounts | $2,032,000 | 636 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,102,000 | 1,700 |
| Total noninterest expense | $16,131,000 | 854 |
| Salaries and employee benefits | $8,476,000 | 878 |
| Premises and equipment expense | $2,620,000 | 761 |
| Additional noninterest expense | $5,035,000 | 822 |
| Pre-tax net operating income | $12,063,000 | 590 |
| Securities gains (losses) | $-27,000 | 8,034 |
| Applicable income taxes | $4,019,000 | 552 |
| Income before extraordinary items | $8,017,000 | 655 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $8,017,000 | 653 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-75,000 | 8,325 |
| Cash dividends | $2,160,000 | 1,147 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $8,035,090 | 640 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $31,781,000 | 669 |
| Total interest expense | $14,585,000 | 684 |
| Net interest income | $17,196,000 | 663 |
| Provision for loan and lease losses | $850,000 | 668 |
| Total noninterest income | $2,301,000 | 1,197 |
| Gross Fiduciary activities income | $34,000 | 986 |
| Service charges on deposit accounts | $1,379,000 | 630 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $888,000 | 1,516 |
| Total noninterest expense | $10,755,000 | 864 |
| Salaries and employee benefits | $5,592,000 | 909 |
| Premises and equipment expense | $1,763,000 | 778 |
| Additional noninterest expense | $3,400,000 | 825 |
| Pre-tax net operating income | $7,892,000 | 632 |
| Securities gains (losses) | $-27,000 | 8,189 |
| Applicable income taxes | $2,595,000 | 586 |
| Income before extraordinary items | $5,270,000 | 695 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $5,270,000 | 694 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 7,938 |
| Cash dividends | $1,440,000 | 1,163 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $5,288,090 | 683 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $15,435,000 | 680 |
| Total interest expense | $6,973,000 | 702 |
| Net interest income | $8,462,000 | 662 |
| Provision for loan and lease losses | $406,000 | 615 |
| Total noninterest income | $1,083,000 | 1,227 |
| Gross Fiduciary activities income | $16,000 | 996 |
| Service charges on deposit accounts | $677,000 | 624 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $390,000 | 1,617 |
| Total noninterest expense | $5,471,000 | 849 |
| Salaries and employee benefits | $2,746,000 | 928 |
| Premises and equipment expense | $923,000 | 740 |
| Additional noninterest expense | $1,802,000 | 774 |
| Pre-tax net operating income | $3,668,000 | 671 |
| Securities gains (losses) | $-27,000 | 8,408 |
| Applicable income taxes | $1,203,000 | 629 |
| Income before extraordinary items | $2,438,000 | 744 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $2,438,000 | 743 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-107,000 | 8,517 |
| Cash dividends | $720,000 | 1,060 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $2,456,090 | 728 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $55,916,000 | 692 |
| Total interest expense | $23,668,000 | 717 |
| Net interest income | $32,248,000 | 681 |
| Provision for loan and lease losses | $1,530,000 | 700 |
| Total noninterest income | $4,032,000 | 1,289 |
| Gross Fiduciary activities income | $54,000 | 1,017 |
| Service charges on deposit accounts | $3,026,000 | 567 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $952,000 | 2,308 |
| Total noninterest expense | $19,530,000 | 903 |
| Salaries and employee benefits | $10,329,000 | 932 |
| Premises and equipment expense | $3,300,000 | 762 |
| Additional noninterest expense | $5,901,000 | 902 |
| Pre-tax net operating income | $15,220,000 | 681 |
| Securities gains (losses) | $34,000 | 774 |
| Applicable income taxes | $4,712,000 | 669 |
| Income before extraordinary items | $10,542,000 | 705 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $10,542,000 | 705 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 3,499 |
| Cash dividends | $2,160,000 | 1,430 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $10,518,540 | 697 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $40,653,000 | 716 |
| Total interest expense | $16,740,000 | 743 |
| Net interest income | $23,913,000 | 709 |
| Provision for loan and lease losses | $1,304,000 | 604 |
| Total noninterest income | $3,143,000 | 1,274 |
| Gross Fiduciary activities income | $40,000 | 1,015 |
| Service charges on deposit accounts | $2,288,000 | 565 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $815,000 | 2,097 |
| Total noninterest expense | $14,165,000 | 951 |
| Salaries and employee benefits | $7,570,000 | 969 |
| Premises and equipment expense | $2,262,000 | 844 |
| Additional noninterest expense | $4,333,000 | 918 |
| Pre-tax net operating income | $11,587,000 | 702 |
| Securities gains (losses) | $34,000 | 644 |
| Applicable income taxes | $3,709,000 | 675 |
| Income before extraordinary items | $7,912,000 | 735 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $7,912,000 | 734 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 7,785 |
| Cash dividends | $1,620,000 | 1,355 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $7,888,880 | 731 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $26,158,000 | 725 |
| Total interest expense | $10,545,000 | 748 |
| Net interest income | $15,613,000 | 723 |
| Provision for loan and lease losses | $852,000 | 606 |
| Total noninterest income | $2,149,000 | 1,246 |
| Gross Fiduciary activities income | $27,000 | 1,028 |
| Service charges on deposit accounts | $1,517,000 | 564 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $605,000 | 1,946 |
| Total noninterest expense | $9,231,000 | 977 |
| Salaries and employee benefits | $4,892,000 | 1,002 |
| Premises and equipment expense | $1,413,000 | 897 |
| Additional noninterest expense | $2,926,000 | 913 |
| Pre-tax net operating income | $7,679,000 | 704 |
| Securities gains (losses) | $2,000 | 970 |
| Applicable income taxes | $2,428,000 | 688 |
| Income before extraordinary items | $5,253,000 | 744 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $5,253,000 | 744 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 7,835 |
| Cash dividends | $1,080,000 | 1,347 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $5,251,640 | 732 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $12,647,000 | 733 |
| Total interest expense | $4,928,000 | 747 |
| Net interest income | $7,719,000 | 726 |
| Provision for loan and lease losses | $432,000 | 574 |
| Total noninterest income | $1,052,000 | 1,234 |
| Gross Fiduciary activities income | $14,000 | 1,031 |
| Service charges on deposit accounts | $727,000 | 568 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $311,000 | 1,894 |
| Total noninterest expense | $4,634,000 | 967 |
| Salaries and employee benefits | $2,473,000 | 996 |
| Premises and equipment expense | $723,000 | 882 |
| Additional noninterest expense | $1,438,000 | 927 |
| Pre-tax net operating income | $3,705,000 | 717 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $1,190,000 | 698 |
| Income before extraordinary items | $2,515,000 | 758 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,515,000 | 757 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-34,000 | 8,367 |
| Cash dividends | $540,000 | 1,254 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $2,515,000 | 742 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $41,350,000 | 776 |
| Total interest expense | $13,440,000 | 841 |
| Net interest income | $27,910,000 | 754 |
| Provision for loan and lease losses | $1,143,000 | 923 |
| Total noninterest income | $2,676,000 | 1,773 |
| Gross Fiduciary activities income | $51,000 | 1,044 |
| Service charges on deposit accounts | $2,765,000 | 613 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $-140,000 | 8,830 |
| Total noninterest expense | $17,951,000 | 946 |
| Salaries and employee benefits | $9,102,000 | 1,014 |
| Premises and equipment expense | $3,153,000 | 770 |
| Additional noninterest expense | $5,696,000 | 909 |
| Pre-tax net operating income | $11,492,000 | 857 |
| Securities gains (losses) | $12,000 | 1,423 |
| Applicable income taxes | $3,324,000 | 891 |
| Income before extraordinary items | $8,180,000 | 881 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $8,180,000 | 882 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-130,000 | 8,670 |
| Cash dividends | $2,160,000 | 1,371 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $8,171,480 | 870 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $29,484,000 | 797 |
| Total interest expense | $9,316,000 | 853 |
| Net interest income | $20,168,000 | 775 |
| Provision for loan and lease losses | $1,170,000 | 658 |
| Total noninterest income | $1,573,000 | 2,129 |
| Gross Fiduciary activities income | $39,000 | 1,031 |
| Service charges on deposit accounts | $1,984,000 | 648 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $-450,000 | 8,868 |
| Total noninterest expense | $12,761,000 | 993 |
| Salaries and employee benefits | $6,597,000 | 1,039 |
| Premises and equipment expense | $2,346,000 | 767 |
| Additional noninterest expense | $3,818,000 | 1,007 |
| Pre-tax net operating income | $7,810,000 | 942 |
| Securities gains (losses) | $12,000 | 1,416 |
| Applicable income taxes | $2,187,000 | 993 |
| Income before extraordinary items | $5,635,000 | 956 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $5,635,000 | 957 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-119,000 | 8,668 |
| Cash dividends | $1,620,000 | 1,243 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $5,626,360 | 942 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $18,655,000 | 820 |
| Total interest expense | $5,628,000 | 879 |
| Net interest income | $13,027,000 | 801 |
| Provision for loan and lease losses | $795,000 | 642 |
| Total noninterest income | $1,818,000 | 1,369 |
| Gross Fiduciary activities income | $26,000 | 1,034 |
| Service charges on deposit accounts | $1,237,000 | 680 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $555,000 | 2,038 |
| Total noninterest expense | $8,447,000 | 989 |
| Salaries and employee benefits | $4,318,000 | 1,054 |
| Premises and equipment expense | $1,550,000 | 768 |
| Additional noninterest expense | $2,579,000 | 985 |
| Pre-tax net operating income | $5,603,000 | 858 |
| Securities gains (losses) | $12,000 | 1,290 |
| Applicable income taxes | $1,731,000 | 855 |
| Income before extraordinary items | $3,884,000 | 901 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,884,000 | 901 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-127,000 | 8,705 |
| Cash dividends | $1,080,000 | 1,212 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $3,875,720 | 883 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $8,787,000 | 858 |
| Total interest expense | $2,466,000 | 944 |
| Net interest income | $6,321,000 | 822 |
| Provision for loan and lease losses | $420,000 | 565 |
| Total noninterest income | $1,175,000 | 1,105 |
| Gross Fiduciary activities income | $13,000 | 1,030 |
| Service charges on deposit accounts | $601,000 | 677 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $561,000 | 1,223 |
| Total noninterest expense | $4,342,000 | 965 |
| Salaries and employee benefits | $2,071,000 | 1,102 |
| Premises and equipment expense | $795,000 | 759 |
| Additional noninterest expense | $1,476,000 | 843 |
| Pre-tax net operating income | $2,734,000 | 863 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $835,000 | 874 |
| Income before extraordinary items | $1,899,000 | 916 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,899,000 | 916 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-215,000 | 8,873 |
| Cash dividends | $540,000 | 1,143 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,899,000 | 898 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $27,920,000 | 1,010 |
| Total interest expense | $6,382,000 | 1,287 |
| Net interest income | $21,538,000 | 915 |
| Provision for loan and lease losses | $1,375,000 | 789 |
| Total noninterest income | $4,776,000 | 1,123 |
| Gross Fiduciary activities income | $50,000 | 1,060 |
| Service charges on deposit accounts | $2,555,000 | 686 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,171,000 | 1,246 |
| Total noninterest expense | $15,892,000 | 1,020 |
| Salaries and employee benefits | $7,959,000 | 1,086 |
| Premises and equipment expense | $3,060,000 | 749 |
| Additional noninterest expense | $4,873,000 | 1,029 |
| Pre-tax net operating income | $9,047,000 | 965 |
| Securities gains (losses) | $380,000 | 539 |
| Applicable income taxes | $2,721,000 | 969 |
| Income before extraordinary items | $6,706,000 | 989 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $6,706,000 | 990 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,151,000 | 697 |
| Cash dividends | $2,070,000 | 1,300 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $6,436,200 | 996 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $19,861,000 | 1,051 |
| Total interest expense | $4,382,000 | 1,378 |
| Net interest income | $15,479,000 | 955 |
| Provision for loan and lease losses | $1,025,000 | 758 |
| Total noninterest income | $3,593,000 | 1,128 |
| Gross Fiduciary activities income | $36,000 | 1,064 |
| Service charges on deposit accounts | $1,928,000 | 687 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,629,000 | 1,244 |
| Total noninterest expense | $11,623,000 | 1,043 |
| Salaries and employee benefits | $5,832,000 | 1,101 |
| Premises and equipment expense | $2,280,000 | 749 |
| Additional noninterest expense | $3,511,000 | 1,051 |
| Pre-tax net operating income | $6,424,000 | 1,025 |
| Securities gains (losses) | $380,000 | 503 |
| Applicable income taxes | $2,001,000 | 1,009 |
| Income before extraordinary items | $4,803,000 | 1,031 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $4,803,000 | 1,032 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,085,000 | 539 |
| Cash dividends | $1,530,000 | 1,222 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $4,533,200 | 1,051 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $12,863,000 | 1,075 |
| Total interest expense | $2,776,000 | 1,429 |
| Net interest income | $10,087,000 | 969 |
| Provision for loan and lease losses | $625,000 | 804 |
| Total noninterest income | $2,238,000 | 1,175 |
| Gross Fiduciary activities income | $24,000 | 1,070 |
| Service charges on deposit accounts | $1,249,000 | 695 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $965,000 | 1,361 |
| Total noninterest expense | $7,517,000 | 1,071 |
| Salaries and employee benefits | $3,786,000 | 1,144 |
| Premises and equipment expense | $1,506,000 | 755 |
| Additional noninterest expense | $2,225,000 | 1,103 |
| Pre-tax net operating income | $4,183,000 | 1,036 |
| Securities gains (losses) | $328,000 | 458 |
| Applicable income taxes | $1,334,000 | 1,018 |
| Income before extraordinary items | $3,177,000 | 1,039 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,177,000 | 1,040 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $331,000 | 976 |
| Cash dividends | $990,000 | 1,312 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,947,400 | 1,073 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $6,277,000 | 1,114 |
| Total interest expense | $1,392,000 | 1,440 |
| Net interest income | $4,885,000 | 1,000 |
| Provision for loan and lease losses | $325,000 | 746 |
| Total noninterest income | $1,053,000 | 1,210 |
| Gross Fiduciary activities income | $12,000 | 1,071 |
| Service charges on deposit accounts | $615,000 | 687 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $426,000 | 1,462 |
| Total noninterest expense | $3,788,000 | 1,074 |
| Salaries and employee benefits | $1,847,000 | 1,189 |
| Premises and equipment expense | $740,000 | 786 |
| Additional noninterest expense | $1,201,000 | 1,026 |
| Pre-tax net operating income | $1,825,000 | 1,151 |
| Securities gains (losses) | $220,000 | 464 |
| Applicable income taxes | $593,000 | 1,134 |
| Income before extraordinary items | $1,452,000 | 1,131 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,452,000 | 1,131 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $167,000 | 927 |
| Cash dividends | $495,000 | 1,255 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,295,800 | 1,185 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $23,965,000 | 1,189 |
| Total interest expense | $6,128,000 | 1,450 |
| Net interest income | $17,837,000 | 1,082 |
| Provision for loan and lease losses | $992,000 | 1,196 |
| Total noninterest income | $4,324,000 | 1,267 |
| Gross Fiduciary activities income | $46,000 | 1,085 |
| Service charges on deposit accounts | $2,269,000 | 754 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $2,009,000 | 1,469 |
| Total noninterest expense | $14,196,000 | 1,139 |
| Salaries and employee benefits | $6,773,000 | 1,263 |
| Premises and equipment expense | $2,770,000 | 812 |
| Additional noninterest expense | $4,653,000 | 1,094 |
| Pre-tax net operating income | $6,973,000 | 1,201 |
| Securities gains (losses) | $689,000 | 615 |
| Applicable income taxes | $2,224,000 | 1,182 |
| Income before extraordinary items | $5,438,000 | 1,180 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $5,438,000 | 1,181 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,146,000 | 827 |
| Cash dividends | $1,980,000 | 1,405 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $4,948,810 | 1,222 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $17,880,000 | 1,224 |
| Total interest expense | $4,755,000 | 1,463 |
| Net interest income | $13,125,000 | 1,121 |
| Provision for loan and lease losses | $563,000 | 1,503 |
| Total noninterest income | $3,366,000 | 1,260 |
| Gross Fiduciary activities income | $31,000 | 1,101 |
| Service charges on deposit accounts | $1,652,000 | 789 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,683,000 | 1,413 |
| Total noninterest expense | $10,698,000 | 1,147 |
| Salaries and employee benefits | $5,051,000 | 1,288 |
| Premises and equipment expense | $2,064,000 | 830 |
| Additional noninterest expense | $3,583,000 | 1,082 |
| Pre-tax net operating income | $5,230,000 | 1,234 |
| Securities gains (losses) | $689,000 | 558 |
| Applicable income taxes | $1,735,000 | 1,185 |
| Income before extraordinary items | $4,184,000 | 1,191 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $4,184,000 | 1,191 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,039,000 | 679 |
| Cash dividends | $1,485,000 | 1,290 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $3,694,810 | 1,270 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $11,913,000 | 1,236 |
| Total interest expense | $3,318,000 | 1,455 |
| Net interest income | $8,595,000 | 1,138 |
| Provision for loan and lease losses | $375,000 | 1,474 |
| Total noninterest income | $2,288,000 | 1,231 |
| Gross Fiduciary activities income | $20,000 | 1,115 |
| Service charges on deposit accounts | $1,068,000 | 807 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,200,000 | 1,335 |
| Total noninterest expense | $7,307,000 | 1,118 |
| Salaries and employee benefits | $3,361,000 | 1,285 |
| Premises and equipment expense | $1,357,000 | 839 |
| Additional noninterest expense | $2,589,000 | 975 |
| Pre-tax net operating income | $3,201,000 | 1,334 |
| Securities gains (losses) | $309,000 | 792 |
| Applicable income taxes | $1,004,000 | 1,374 |
| Income before extraordinary items | $2,506,000 | 1,322 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,506,000 | 1,322 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,031,000 | 515 |
| Cash dividends | $990,000 | 1,331 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,286,610 | 1,344 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $5,908,000 | 1,258 |
| Total interest expense | $1,726,000 | 1,433 |
| Net interest income | $4,182,000 | 1,174 |
| Provision for loan and lease losses | $188,000 | 1,444 |
| Total noninterest income | $1,055,000 | 1,284 |
| Gross Fiduciary activities income | $10,000 | 1,125 |
| Service charges on deposit accounts | $481,000 | 857 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $564,000 | 1,363 |
| Total noninterest expense | $3,583,000 | 1,120 |
| Salaries and employee benefits | $1,686,000 | 1,288 |
| Premises and equipment expense | $681,000 | 847 |
| Additional noninterest expense | $1,216,000 | 1,009 |
| Pre-tax net operating income | $1,466,000 | 1,458 |
| Securities gains (losses) | $137,000 | 838 |
| Applicable income taxes | $456,000 | 1,480 |
| Income before extraordinary items | $1,147,000 | 1,423 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,147,000 | 1,421 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-37,000 | 9,052 |
| Cash dividends | $495,000 | 1,248 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,048,360 | 1,441 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $23,700,000 | 1,289 |
| Total interest expense | $8,495,000 | 1,320 |
| Net interest income | $15,205,000 | 1,267 |
| Provision for loan and lease losses | $600,000 | 2,054 |
| Total noninterest income | $4,199,000 | 1,204 |
| Gross Fiduciary activities income | $39,000 | 1,168 |
| Service charges on deposit accounts | $2,142,000 | 756 |
| Trading account gains and fees | $4,000 | 143 |
| Additional Noninterest Income | $2,014,000 | 1,302 |
| Total noninterest expense | $12,647,000 | 1,208 |
| Salaries and employee benefits | $6,274,000 | 1,301 |
| Premises and equipment expense | $1,961,000 | 1,119 |
| Additional noninterest expense | $4,412,000 | 1,123 |
| Pre-tax net operating income | $6,157,000 | 1,361 |
| Securities gains (losses) | $350,000 | 813 |
| Applicable income taxes | $1,797,000 | 1,414 |
| Income before extraordinary items | $4,710,000 | 1,330 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $4,710,000 | 1,328 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $292,000 | 2,415 |
| Cash dividends | $1,890,000 | 1,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $4,458,000 | 1,347 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $28,330,000 | 1,208 |
| Total interest expense | $14,259,000 | 1,123 |
| Net interest income | $14,071,000 | 1,264 |
| Provision for loan and lease losses | $871,000 | 1,402 |
| Total noninterest income | $3,285,000 | 1,383 |
| Gross Fiduciary activities income | $127,000 | 940 |
| Service charges on deposit accounts | $1,644,000 | 897 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,514,000 | 1,511 |
| Total noninterest expense | $11,272,000 | 1,288 |
| Salaries and employee benefits | $5,756,000 | 1,289 |
| Premises and equipment expense | $1,687,000 | 1,266 |
| Additional noninterest expense | $3,829,000 | 1,239 |
| Pre-tax net operating income | $5,213,000 | 1,389 |
| Securities gains (losses) | $20,000 | 3,157 |
| Applicable income taxes | $1,536,000 | 1,472 |
| Income before extraordinary items | $3,697,000 | 1,452 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $3,697,000 | 1,455 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 4,593 |
| Cash dividends | $4,819,000 | 640 |
| Sale, conversion, retirement of capital stock, net | $-200,000 | 9,518 |
| Net operating income | $3,682,800 | 1,403 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $31,737,000 | 1,105 |
| Total interest expense | $15,110,000 | 1,147 |
| Net interest income | $16,627,000 | 1,060 |
| Provision for loan and lease losses | $960,000 | 1,104 |
| Total noninterest income | $2,459,000 | 1,616 |
| Gross Fiduciary activities income | $238,000 | 769 |
| Service charges on deposit accounts | $937,000 | 1,458 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,284,000 | 1,575 |
| Total noninterest expense | $9,971,000 | 1,392 |
| Salaries and employee benefits | $5,228,000 | 1,355 |
| Premises and equipment expense | $1,397,000 | 1,488 |
| Additional noninterest expense | $3,346,000 | 1,347 |
| Pre-tax net operating income | $8,155,000 | 948 |
| Securities gains (losses) | $-330,000 | 9,651 |
| Applicable income taxes | $2,656,000 | 918 |
| Income before extraordinary items | $5,169,000 | 1,038 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $5,169,000 | 1,038 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $278,000 | 1,921 |
| Cash dividends | $1,186,000 | 2,018 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $5,386,800 | 992 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $26,633,000 | 1,226 |
| Total interest expense | $12,965,000 | 1,171 |
| Net interest income | $13,668,000 | 1,277 |
| Provision for loan and lease losses | $65,000 | 6,026 |
| Total noninterest income | $2,296,000 | 1,685 |
| Gross Fiduciary activities income | $232,000 | 828 |
| Service charges on deposit accounts | $972,000 | 1,349 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,092,000 | 1,753 |
| Total noninterest expense | $9,119,000 | 1,524 |
| Salaries and employee benefits | $4,646,000 | 1,490 |
| Premises and equipment expense | $1,303,000 | 1,569 |
| Additional noninterest expense | $3,170,000 | 1,454 |
| Pre-tax net operating income | $6,780,000 | 1,136 |
| Securities gains (losses) | $-85,000 | 9,925 |
| Applicable income taxes | $2,238,000 | 1,113 |
| Income before extraordinary items | $4,457,000 | 1,222 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,457,000 | 1,221 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $217,000 | 2,278 |
| Cash dividends | $1,096,000 | 2,124 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $4,513,950 | 1,189 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $25,669,000 | 1,260 |
| Total interest expense | $12,881,000 | 1,207 |
| Net interest income | $12,788,000 | 1,329 |
| Provision for loan and lease losses | $60,000 | 6,123 |
| Total noninterest income | $2,389,000 | 1,596 |
| Gross Fiduciary activities income | $194,000 | 879 |
| Service charges on deposit accounts | $1,062,000 | 1,184 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,133,000 | 1,697 |
| Total noninterest expense | $8,640,000 | 1,539 |
| Salaries and employee benefits | $4,296,000 | 1,533 |
| Premises and equipment expense | $1,356,000 | 1,443 |
| Additional noninterest expense | $2,988,000 | 1,458 |
| Pre-tax net operating income | $6,477,000 | 1,155 |
| Securities gains (losses) | $41,000 | 1,880 |
| Applicable income taxes | $2,212,000 | 1,136 |
| Income before extraordinary items | $4,306,000 | 1,236 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $4,306,000 | 1,236 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 3,828 |
| Cash dividends | $1,096,000 | 2,089 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $4,278,940 | 1,204 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $23,382,000 | 1,401 |
| Total interest expense | $11,299,000 | 1,394 |
| Net interest income | $12,083,000 | 1,436 |
| Provision for loan and lease losses | $1,200,000 | 849 |
| Total noninterest income | $2,546,000 | 1,458 |
| Gross Fiduciary activities income | $165,000 | 942 |
| Service charges on deposit accounts | $1,060,000 | 1,195 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,321,000 | 1,449 |
| Total noninterest expense | $8,247,000 | 1,597 |
| Salaries and employee benefits | $3,944,000 | 1,669 |
| Premises and equipment expense | $1,292,000 | 1,506 |
| Additional noninterest expense | $3,011,000 | 1,439 |
| Pre-tax net operating income | $5,182,000 | 1,492 |
| Securities gains (losses) | $7,000 | 2,566 |
| Applicable income taxes | $1,784,000 | 1,463 |
| Income before extraordinary items | $3,405,000 | 1,584 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,405,000 | 1,585 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $777,000 | 936 |
| Cash dividends | $1,096,000 | 2,029 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $3,400,380 | 1,549 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $20,961,000 | 1,604 |
| Total interest expense | $9,911,000 | 1,603 |
| Net interest income | $11,050,000 | 1,604 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $1,894,000 | 1,924 |
| Gross Fiduciary activities income | $191,000 | 985 |
| Service charges on deposit accounts | $951,000 | 1,417 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $752,000 | 2,190 |
| Total noninterest expense | $7,285,000 | 1,935 |
| Salaries and employee benefits | $3,637,000 | 1,820 |
| Premises and equipment expense | $1,165,000 | 1,731 |
| Additional noninterest expense | $2,483,000 | 2,022 |
| Pre-tax net operating income | $5,659,000 | 1,262 |
| Securities gains (losses) | $83,000 | 1,045 |
| Applicable income taxes | $2,003,000 | 1,231 |
| Income before extraordinary items | $3,739,000 | 1,329 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $3,739,000 | 1,330 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $236,000 | 2,427 |
| Cash dividends | $826,000 | 2,436 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $3,685,050 | 1,313 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $19,522,000 | 1,741 |
| Total interest expense | $8,697,000 | 1,821 |
| Net interest income | $10,825,000 | 1,650 |
| Provision for loan and lease losses | $440,000 | 1,736 |
| Total noninterest income | $1,983,000 | 1,841 |
| Gross Fiduciary activities income | $139,000 | 1,089 |
| Service charges on deposit accounts | $965,000 | 1,421 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $879,000 | 1,969 |
| Total noninterest expense | $7,231,000 | 1,920 |
| Salaries and employee benefits | $3,386,000 | 1,958 |
| Premises and equipment expense | $1,051,000 | 1,941 |
| Additional noninterest expense | $2,794,000 | 1,803 |
| Pre-tax net operating income | $5,137,000 | 1,468 |
| Securities gains (losses) | $-64,000 | 11,304 |
| Applicable income taxes | $1,817,000 | 1,382 |
| Income before extraordinary items | $3,256,000 | 1,567 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $3,256,000 | 1,564 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 4,556 |
| Cash dividends | $736,000 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $3,296,960 | 1,529 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $15,410,000 | 2,005 |
| Total interest expense | $5,890,000 | 2,120 |
| Net interest income | $9,520,000 | 1,898 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $1,776,000 | 2,002 |
| Gross Fiduciary activities income | $126,000 | 1,129 |
| Service charges on deposit accounts | $985,000 | 1,360 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $665,000 | 2,419 |
| Total noninterest expense | $6,939,000 | 2,058 |
| Salaries and employee benefits | $3,310,000 | 2,010 |
| Premises and equipment expense | $1,003,000 | 2,029 |
| Additional noninterest expense | $2,626,000 | 2,054 |
| Pre-tax net operating income | $4,357,000 | 1,648 |
| Securities gains (losses) | $-359,000 | 12,162 |
| Applicable income taxes | $1,366,000 | 1,688 |
| Income before extraordinary items | $2,632,000 | 1,850 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,632,000 | 1,848 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,826 |
| Cash dividends | $556,000 | 2,957 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,868,940 | 1,714 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $13,665,000 | 2,273 |
| Total interest expense | $5,885,000 | 2,202 |
| Net interest income | $7,780,000 | 2,302 |
| Provision for loan and lease losses | $499,000 | 2,110 |
| Total noninterest income | $2,103,000 | 1,906 |
| Gross Fiduciary activities income | $135,000 | 1,152 |
| Service charges on deposit accounts | $961,000 | 1,395 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,007,000 | 2,026 |
| Total noninterest expense | $6,596,000 | 2,206 |
| Salaries and employee benefits | $3,136,000 | 2,112 |
| Premises and equipment expense | $1,093,000 | 1,899 |
| Additional noninterest expense | $2,367,000 | 2,358 |
| Pre-tax net operating income | $2,788,000 | 2,470 |
| Securities gains (losses) | $487,000 | 916 |
| Applicable income taxes | $1,137,000 | 2,016 |
| Income before extraordinary items | $2,138,000 | 2,338 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,138,000 | 2,431 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $146,000 | 3,739 |
| Cash dividends | $556,000 | 2,822 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,821,450 | 2,584 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $13,831,000 | 2,549 |
| Total interest expense | $6,830,000 | 2,466 |
| Net interest income | $7,001,000 | 2,590 |
| Provision for loan and lease losses | $778,000 | 2,193 |
| Total noninterest income | $1,915,000 | 1,994 |
| Gross Fiduciary activities income | $143,000 | 1,159 |
| Service charges on deposit accounts | $905,000 | 1,492 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $867,000 | 2,194 |
| Total noninterest expense | $6,079,000 | 2,393 |
| Salaries and employee benefits | $2,912,000 | 2,234 |
| Premises and equipment expense | $912,000 | 2,279 |
| Additional noninterest expense | $2,255,000 | 2,541 |
| Pre-tax net operating income | $2,059,000 | 3,020 |
| Securities gains (losses) | $332,000 | 1,445 |
| Applicable income taxes | $717,000 | 2,892 |
| Income before extraordinary items | $1,674,000 | 2,752 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,674,000 | 2,790 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $882,000 | 1,693 |
| Cash dividends | $376,000 | 3,472 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,441,600 | 2,956 |
* 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.